iarjbmIARJBMIARJBM2708-5147https://doi.org/10.47310/iarjbm.2021.v02i01.096The Effect of Capital Adequacy Ratio, Non-Performing Financing, and Financing to Deposit Ratio on Financial Performance: Study at The Islamic Microfinance Banks in IndonesiaTaufikAkbarUniversitas Mercu Buana, Jakarta, IndonesiaThis study aims to analyze the effect of Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF) and Financing to Deposit Ratio (FDR) toward financial Performance (proxies with return on assets [ROA]) in Indonesian Islamic microfinance Banks. This study's population was 130 Islamic microfinance banks in Indonesia registered in the Indonesia Financial Services Authority (OJK) from 2017 -2019, with a total sample of 130 used the census method. The analytical approach used multiple linear regression for hypothesis testing. The results showed partially that the Capital Adequacy Ratio (CAR) and Financing to Deposit Ratio (FDR) have a positive effect and significant toward Return on Assets (ROA) of Islamic microfinance bank in Indonesia. In contrast, Non-Performing Financing (NPF) has a negative effect and insignificant on Return on Assets (ROA) of Islamic microfinance bank in Indonesia.