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Penelitian ini bertujuan untuk mengetahui pengaruh financing to deposit (FDR), non peforming financing (NPF), pembiayaan bagi hasil, dana pihak ketiga (DPK) dan dummy covid terhadap return of assets (ROA). Tulisan ini menggunakan metode regresi linear berganda. Observasi penelitian yaitu data triwulan Desember 2018 sampai September 2021 pada Bank Pembangunan Daerah Syariah di Indonesia. Hasil penelitian menunjukkan bahwa bahwa FDR, NPF, dan dummy COVID berpengaruh negatif terhadap profitabilitas. Sedangkan PSF dan DPK memberikan pengaruh positif terhdap profitbilitas. Selain itu, pada tes Kruskal-Wallis menunjukkan tidak ada perbedaan ROA, FDR, dan NPF sebelum dan selama Covid-19.
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