This study aims to determine the efficiency of Islamic Rural Banks (BPRS) in Indonesia, as well as to analyze the factors that influence this efficiency. The variables used in measuring bank efficiency include the input variable consisting of total assets and third party funds (TPF) while the output variable consists of total financing. This study examines the effect ofvariables independent in the form of Capital Adequacy (CAR), Liquidity (FDR), and Problem Financing (NPF) on the dependent variable, namely the Level of Efficiency. The research method used is the analysis of Stochastic Frontier Analysis (SFA) and Multiple Linear Regression. The results of this study indicate that the level of efficiency of Islamic People's Financing Bank in Indonesia is high, which is almost close to the value of 1 which means that it is almost efficient, capital adequacy and financing problems have an effect, while liquidity does not affect the level of efficiency of Islamic People's Financing Banks in Indonesia. The results of the analysis show that the high level of efficiency of Islamic People Financing Banks in Indonesia is caused by a healthy level of capital adequacy, unhealthy liquidity and unhealthy financing problems.