<![CDATA[Abstrak. Perbankan syariah di Indonesia berkembang pesat seiring meningkatnya minat masyarakat terhadap layanan berbasis syariat Islam. Namun, stabilitas asetnya dipengaruhi oleh faktor eksternal seperti inflasi, BI rate, pertumbuhan ekonomi, serta faktor internal seperti dana pihak ketiga dan kualitas aset. Penelitian ini bertujuan untuk menganalisis pengaruh faktor eksternal (inflasi, BI rate, dan pertumbuhan ekonomi), dana pihak ketiga, serta kualitas aset (CAR dan ROA) terhadap pertumbuhan aset (total aset). Penelitian ini menggunakan pendekatan kuantitatif dengan analisis regresi linier berganda, menggunakan data sekunder yang diperoleh dari laporan keuangan bulanan Bank Mega Syariah selama periode 2016-2023, Bank Indonesia, dan Badan Pusat Statistik. Hasil penelitian menunjukkan bahwa faktor eksternal (inflasi, BI rate, pertumbuhan ekonomi), dana pihak ketiga, dan kualitas aset (CAR dan ROA) secara simultan memiliki pengaruh signifikan terhadap pertumbuhan aset. Namun, secara parsial masing-masing variabel independen menunjukkan pengaruh yang bervariasi terhadap total aset dengan hasil berpengaruh positif maupun negatif. Pada faktor eksternal, inflasi berpengaruh positif sebesar 7.69, sedangkan BI rate dan pertumbuhan ekonomi berpengaruh negatif sebesar -7.93 dan -101.48. Pada dana pihak ketiga berpengaruh positif sebesar 30.82. Sedangkan pada kualitas aset, CAR dan ROA tidak berpengaruh signifikan sebesar 0.64 dan 7.84 terhadap pertumbuhan aset. Abstract. Islamic banking in Indonesia is growing rapidly along with the increasing public interest in Islamic law-based services. However, the stability of its assets is influenced by external factors such as inflation, BI rate, economic growth, and internal factors such as third-party funds and asset quality. This study aims to analyze the effect of external factors (inflation, BI rate, and economic growth), third-party funds, and asset quality (CAR and ROA) on asset growth (total assets). This study uses a quantitative approach with multiple linear regression analysis, using secondary data obtained from the monthly financial reports of Bank Mega Syariah during the period 2016-2023, Bank Indonesia, and the Central Statistics Agency. The results of the study indicate that external factors (inflation, BI rate, economic growth), third-party funds, and asset quality (CAR and ROA) simultaneously have a significant effect on asset growth. However, partially each independent variable shows a varying effect on total assets with positive and negative results. In external factors, inflation has a positive effect of 7.69, while the BI rate and economic growth have a negative effect of -7.93 and -101.48. On third party funds, it has a positive effect of 30.82. While on asset quality, CAR and ROA do not have a significant effect of 0.64 and 7.84 on asset growth]]>
