ABSTRAK Tujuan penelitian ini adalah untuk menguji pengaruh BI Rate, Beban Operasional Pendapatan Operasional (BOPO), Non Performing Financing (NPF), dan simpanan wadiah terhadap pendapatan margin murabahah pada Bank Umum Syariah di Indonesia. Metode yang digunakan dalam penelitian ini ialah metode kuantitatif dan menggunakan data sekunder yang berasal dari laporan keuangan tahunan bank periode tahun 2014 s.d 2018 yang diperoleh dari situs masing-masing bank. Populasi dalam penelitian ini ialah seluruh Bank Umum Syariah di Indonesia. Teknik pengambilan sampel yang digunakan adalah Purposive Sampling, yang memenuhi kriteria sebagai objek penelitian berjumlah 12 Bank Umum Syariah. Dengan jumlah unit analisis sebanyak 60 laporan keuangan selama periode 5 tahun. Hasil penelitian ini menunjukkan bahwa secara simultan variabel independen mempengaruhi variabel dependen. Penelitian secara parsial menunjukkan bahwa variabel BI Rate tidak berpengaruh terhadap pendapatan margin murabahah, sedangkan Beban Operasional Pendapatan Operasional (BOPO), Non Performing Financing (NPF), dan simpanan wadiah berpengaruh terhadap pendapatan margin murabahah. Kata Kunci: BI Rate, Beban Operasional Pendapatan operasional (BOPO), Non Performing Financing (NPF), simpanan wadiah, dan pendapatan margin murabahah ABSTRACT The purpose of this study was to examine the effect of the BI Rate, Operating Expenses to Operating Income (BOPO), Non Performing Financing (NPF), and wadiah deposits on murabahah margin income at Islamic Commercial Banks in Indonesia. The method used in this study is a quantitative method and uses secondary data derived from the bank's annual financial statements for the period 2014 to 2018 obtained from the website of each bank. The population in this study are all Islamic Commercial Banks in Indonesia. The sampling technique used was Purposive Sampling, which met the criteria as research objects totaling 12 Islamic Commercial Banks. With a total of 60 units of financial analysis for a period of 5 years. The results of this study indicate that simultaneously the independent variables affect the dependent variable. Partial research shows that the BI Rate variable does not affect murabahah margin income, while Operating Expenses to Operating Income (BOPO), Non Performing Financing (NPF), and wadiah deposits affect the murabahah margin income. Keywords: BI Rate, Operating Expenses to Operating Income (BOPO), Non Performing Financing (NPF), and wadiah deposits on murabahah margin income