This research aims to find out the effects of CAR ( Capital Adequency Ratio), (BOPO) operating costs on operating income, NPF ( Non Performing Financing), FDR ( Financing Deposit Ratio), on ROA ( Return on Assest) linked to potential financial distress at BPRS ( Sharia’s financing banks) in the period of 2013-2016. Logistic regression analysis using a computer program of Minitab version 18 was used as the research method. The samples were 58 BPRS in Indonesia in the period of 2013-2016. The findings of the research indicates that CAR (Capital Adequacy Ratio) had no effect on ROA (Return on Asset) with sig. of 0.891>0.05. BOPO (operating costs on operating income) and NPF (Non Performing Financing) had significant effect on ROA (Return on Asset) with sig of 0.000 and 0.003 < 0.05. and FDR ( Financing to Deposit Ratio) had no significant effect on ROA ( Return On Asset) with sig of 0.429 > 0.05 positively.