<![CDATA[This study aims to analyze the determinants of the consumer financing ratio within the financing portfolio of Islamic banks in Indonesia during the period 2014–2024. A quantitative approach is employed using monthly time series data with the Autoregressive Distributed Lag (ARDL) model. The long-term estimation results indicate that the profit-sharing rate and FDR (Financing to Deposit Ratio) have a negative and significant effect on the consumer financing ratio, while total financing has a positive and significant impact, and NPF (Non-Performing Financing) is found to be insignificant. In the short term, it is found that the previous period’s consumption ratio and NPF influence the current ratio, indicating an adjustment effect. Additionally, total financing shows a significant effect on the consumer financing ratio in Islamic banking. This study also finds that the determinants of the consumer financing ratio within the portfolio of Islamic banks in Indonesia exhibit different dynamics across time periods.]]>
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