<![CDATA[The optimization of Islamic banking financial performance cannot be separated from the effectiveness of regulatory frameworks and government policy support. This study aims to analyze the impact of investment policies on profitability, efficiency, and resilience of Islamic banks, as well as to identify key driving factors and constraints, in order to provide recommendations for strengthening investment strategies in Islamic banking. This research employs a literature review method with descriptive qualitative analysis, examining the role of investment policies in Islamic banking financial performance based on relevant literature published over the last five years. The analysis focuses on indicators of profitability, operational efficiency, and financial stability. The findings indicate that Islamic banking investment policies play a significant role in enhancing financial performance while simultaneously supporting Indonesia’s economic growth through the allocation of public funds to productive sectors in accordance with Sharia principles. Optimal asset management is shown to improve liquidity, efficiency, and returns, as well as to promote MSME empowerment and community welfare. However, Islamic banking investment practices continue to face various risks and challenges, highlighting the need for well-designed, innovative, and sustainable investment strategies. Keywords: Investment Policy, Financial Performance, Islamic Banking, Asset Management, Economic Growth AbstrakOptimalisasi kinerja keuangan bank syariah tidak dapat dilepaskan dari efektivitas regulasi dan dukungan kebijakan pemerintah. Penelitian ini bertujuan untuk menganalisis pengaruh kebijakan investasi terhadap profitabilitas, efisiensi, dan ketahanan bank syariah, serta mengidentifikasi faktor pendorong dan hambatan yang dihadapi, sehingga dapat memberikan rekomendasi dalam memperkuat strategi investasi di perbankan syariah. Penelitian ini menggunakan metode kepustakaan dengan analisis deskriptif kualitatif untuk mengkaji peran kebijakan investasi terhadap kinerja keuangan perbankan syariah berdasarkan berbagai sumber literatur relevan dalam lima tahun terakhir, dengan fokus pada indikator profitabilitas, efisiensi operasional, dan stabilitas keuangan. Hasil penelitian menunjukkan bahwa kebijakan investasi perbankan syariah berperan penting dalam meningkatkan kinerja keuangan sekaligus mendukung pertumbuhan ekonomi Indonesia melalui penyaluran dana masyarakat ke sektor produktif yang sesuai dengan prinsip syariah. Pengelolaan aset yang optimal mampu meningkatkan likuiditas, efisiensi, dan imbal hasil, serta mendorong pemberdayaan UMKM dan kesejahteraan masyarakat. Namun demikian, perbankan syariah masih menghadapi berbagai risiko dan tantangan yang memerlukan strategi investasi yang matang, inovatif, dan berkelanjutan. Kata kunci: Kebijakan Investasi, Kinerja Keuangan, Perbankan Syariah, Pengelolaan Aset, Pertumbuhan Ekonomi]]>
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