Abstract. Syaria Banking is institution as intermediary between who have a fund and parties who needed funds. Syaria Bank in realizing economic activity based on syaria principal have a functions as funding, financing and financial services. This study attempts to know how far is the volume of mudharaba financing, volume of musharaka financing and Non Performing Financing have an effect against Return on Asset. The methods that’s using in this research is descriptive to technique survey on Sharia Commerciaal Banks placed in Indonesia periode 2012-2017 with analysis of secondary data uses the quantitative. Multiple linear regression as the analysis which used in this research helped with spss 16.0 program. The result of this result found that volume of mudharaba financing have negative effect on Return On Asset partially. Moreover, volume of musyaraka financing have negative effect on Return On Asset too. And variable Non Performing Financing also have negative effect on Return On Asset. On the another side, volume of Mudharaba financing, volume of musyaraka financing and Non Performing Financing simultaneously have an effect against Return On Asset. its proven by the numbers of percentage effect is 61,3%. Keywords: mudharaba, musyaraka, Non Performing Financing, Return on AssetAbstrak. Bank Syariah yakni sebagai lembaga intermediasi antara pemilik dana dan pihak yang membutuhkan dana. Bank syariah dalam merealisasikan aktivitas ekonomi berdasarkan prinsip syariah memiliki fungsi menghimpun dana, menyalurkan dana dan jasa keuangan. Penelitian ini bertujuan untuk mengetahui sejauh mana pengaruh Volume pembiayaan mudharabah, Volume Pembiayaan Musyarakah dan Non Performing Financing terhadap Return On Asset (ROA). Metode yang digunakan dalam penelitian ini adalah deskriptif dengan menggunakan survey pada Bank Umum Syariah di Indonesia periode 2012-2017 serta analisis terhadap data sekunder dengan metode kuantitatif. Regresi linier berganda merupakan alat yang digunakan dalam penelitian ini dengan bantuan program SPSS 16.0. Penelitian ini menemukan bahwa secara parsial volume pembiayaan mudharabah mempengaruhi secara negative signifikan terhadap Return On Asset. Begitu pula dengan volume pembiayaan musyarakah yang berpengaruh  negative  terhadap Return On Assset (ROA) secara parsial. Serta variabel Non Performing Financing mempunyai pengaruh negative signifikan terhadap Return On Asset (ROA) secara parsial. Kemudian secara simultan volume pembiayaan mudharabah, volume pembiayaan musyarakah dan Non Performing Financing memiliki pengaruh terhadap Return On asset. Hal ini dibuktikan dengan besarnya pengaruh 61,3%.Kata kunci: mudharabah, Musyarakah, Non Performing Financing, Return on Asset