Institutional Repository UIN Sunan Kalijaga YogyakartaPENGARUH TOTAL ASET, TABUNGAN, GIRO, DAN DEPOSITO TERHADAP LABA BANK UMUM SYARIAH DI INDONESIA PERIODE 2021-2024NIM.: 22108030048Niswati Hindi KurniaauthorThis research is motivated by the crucial role of the Islamic banking industry in supporting the national economy, where efficient management of assets and third-party funds is a key determinant of stable bank profitability. The primary objective of this study is to analyze the impact of asset accumulation, savings, current accounts, and time deposits on profit generation at Islamic Commercial Banks in Indonesia during the post-pandemic observation period (2021-2024). The research method used in this study is a quantitative descriptive approach utilizing secondary data sourced from quarterly financial reports and Islamic banking statistics published in the banks' quarterly financial reports. The data analysis technique applied was multiple linear regression on a number of Islamic Commercial Banks selected through a purposive sampling method. The results show that, partially, total assets and savings have a positive and significant effect on Islamic Commercial Bank profits. Conversely, current accounts and time deposits were found to have a significant negative effect on profit generation during the study period. Simultaneously, all tested variables were shown to have a significant effect on Islamic Commercial Bank profits in Indonesia. This research model demonstrates excellent accuracy in explaining profit variations, although a small number of factors outside the tested variables influence financial performance. These findings offer strategic implications for Islamic banking management to further optimize asset management and strengthen low-cost funding structures to support sustainable profitability.658.15 Manajemen Keuangan2026-05-20UIN SUNAN KALIJAGA YOGYAKARTA;FAKULTAS EKONOMI DAN BISNIS ISLAMThesis

For work being deposited by its own author: In self-archiving this collection of files and associated bibliographic metadata, I grant Institutional Repository UIN Sunan Kalijaga Yogyakarta the right to store them and to make them permanently available publicly for free on-line. I declare that this material is my own intellectual property and I understand that Institutional Repository UIN Sunan Kalijaga Yogyakarta does not assume any responsibility if there is any breach of copyright in distributing these files or metadata. (All authors are urged to prominently assert their copyright on the title page of their work.)

For work being deposited by someone other than its author: I hereby declare that the collection of files and associated bibliographic metadata that I am archiving at Institutional Repository UIN Sunan Kalijaga Yogyakarta) is in the public domain. If this is not the case, I accept full responsibility for any breach of copyright that distributing these files or metadata may entail.

Clicking on the deposit button indicates your agreement to these terms.