<![CDATA[This study basically wants to see further how Smart IB savings and time deposits affect net income at PT Bank Sumut KCP Syariah Multatuli during the period 2021 to 2024. This interest arises because the bank's net profit is seen to fluctuate from time to time, while the third-party funds raised also undergo changes, not always consistent. To study it, a quantitative approach using causal associative research design is used, which is suitable for reading the cause-and-effect relationships between variables. The analyzed Data came from monthly financial statements for four years, totaling 48 samples. You could say that the data is representative enough to capture the patterns that occur, although of course there are still limits. The analysis process is carried out in stages, ranging from descriptive statistics for the general picture, followed by classical assumption tests, to multiple linear regression. In addition, partial test or t test, simultaneous test or F test, and coefficient of determination R2 are all processed using SPSS. Interestingly, the results showed that partially Smart IB Savings did not have a significant effect on net income. In contrast to other variables, deposits have been shown to have a noticeable effect, but in a negative direction. That is, an increase in deposits tends to be followed by a decrease in net income. However, when viewed together, Smart IB savings and fixed deposits have a significant effect on the bank's net profit. Sourced Adjusted R Square value obtained as much as 0.113, it can be interpreted that the two independent variables are only able to explain about 11.3% change in net income, while the other largest proportion is determined by variables that are not classified with this model. This finding indicates that the increase in third party funding is not certain to increase profitability if it is not adjusted to optimal financing management and operational efficiency. The results of this study are expected to be a reference, both scientifically and operationally, especially for decision makers in managing funds in the Islamic banking environment at the regional level. Keywords: Smart IB Savings; Time Deposit; Net Profit; Islamic Bank; Third party funds.]]>
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