<![CDATA[This study aims to conduct an in-depth and integrated analysis of the relationship between short-term liquidity access (call money) and foreign multilateral loans on the efficiency of productive assets and the control of non-productive assets at Bank Syariah Indonesia (BSI). This research employs a descriptive quantitative approach using secondary data derived from the annual financial reports of Bank Syariah Indonesia. The analysis examines the influence of short-term liquidity access (call money) and foreign multilateral loans on productive asset efficiency and non-productive asset control, with the objective of providing an overview of the effectiveness of liquidity and asset management in supporting bank performance and stability. The results indicate that the implementation of call money plays a crucial role in maintaining interbank liquidity, both in Islamic and conventional banks, through mechanisms that emphasize trust-based relationships, compliance with reserve requirement obligations, and the smooth execution of daily clearing processes. These mechanisms enable short-term transactions to operate efficiently and contribute to overall banking stability. Keywords: Liquidity, Call Money, Multilateral Loans, Productive Assets, Non-Productive Assets AbstrakPenelitian ini bertujuan untuk menganalisis secara mendalam dan terintegrasi keterkaitan antara akses likuiditas jangka pendek (call money) dan pinjaman multilateral asing terhadap efisiensi aset produktif serta pengendalian aset non-produktif pada Bank Syariah Indonesia (BSI). Metode penelitian yang digunakan adalah pendekatan deskriptif kuantitatif dengan memanfaatkan data sekunder berupa laporan keuangan tahunan Bank Syariah Indonesia. Analisis dilakukan untuk mengkaji pengaruh akses likuiditas jangka pendek (call money) dan pinjaman multilateral asing terhadap efisiensi aset produktif dan pengendalian aset non-produktif, dengan tujuan memberikan gambaran mengenai efektivitas pengelolaan likuiditas dan aset dalam mendukung kinerja serta stabilitas bank. Hasil penelitian menunjukkan bahwa penerapan call money berperan penting dalam menjaga likuiditas antarbank, baik pada bank syariah maupun bank konvensional, melalui mekanisme yang menekankan prinsip kepercayaan, pemenuhan kewajiban Giro Wajib Minimum, serta kelancaran proses kliring harian, sehingga transaksi jangka pendek dapat berjalan secara efisien dan stabil. Kata kunci: Likuiditas, Call Money, Pinjaman Multilateral, Aset Produktif, Aset Non-Produktif]]>
