ROA is a ratio that describes a bank's ability to manage funds invested in all assets that generate profits. ROA is a picture of a bank's productivity in managing funds so as to generate profits. The purpose of this study was to determine the effect of NPF, FDR, and BOPO on ROA. This study uses a quantitative approach to the type of associative research. The population in this study is the financial statements of PT. Bank Muamalat Indonesia with the research sample used, namely the quarterly financial reports of PT. Bank Muamalat Indonesia for the 2012-2019 period. The data collection technique uses documentation, while the data analysis technique uses the Error Correction Model (ECM) method with the help of Eviews 9 software.