<![CDATA[Problem Introduction: The growth of Islamic banking assets in Indonesia has shown a positive trend over the last five years; however, its market share remains relatively low compared to conventional banking. This condition raises questions regarding the effectiveness of internal banking factors in driving asset growth. Previous studies mainly focus on profitability and financial stability, while empirical evidence explaining Islamic bank asset growth using comprehensive internal variables remains limited. Study Objectives/Goals: This study aims to analyze the influence of Third-Party Funds (DPK), MSME Financing, Non-Performing Financing (NPF), Capital Adequacy Ratio (CAR), and Profit Sharing Ratio (PSR) on the growth of Islamic commercial bank assets in Indonesia, with the Financing to Deposit Ratio (FDR) as a control variable. Design/Methodology/Approach: This research employs a quantitative explanatory approach using panel data regression. The data consist of secondary data from Islamic Commercial Banks in Indonesia for the period 2020–2024, obtained from Islamic Banking Statistics published by the Financial Services Authority (OJK) and banks’ annual reports. Model selection was conducted through Chow and Hausman tests, resulting in the Fixed Effect Model as the most appropriate estimation method. Findings: The results indicate that Third-Party Funds (DPK) and Profit Sharing Ratio (PSR) have a positive and significant effect on Islamic bank asset growth. In contrast, MSME financing has a negative and significant effect, suggesting that financing risk and efficiency challenges may suppress asset expansion. Meanwhile, NPF and CAR do not show a significant influence on asset growth. The Financing to Deposit Ratio (FDR) as a control variable negatively and significantly affects asset growth, indicating potential liquidity pressure due to excessive intermediation.]]>
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