<![CDATA[This study aims to analyze the effect of Non-Performing Financing (NPF), Third-Party Funds (DPK), and Capital Adequacy Ratio (CAR) on Asset Liquidity Management (ALMA) in Islamic Commercial Banks in Indonesia for the period 2020-2024. The main issue addressed in this study is the instability of Islamic banking liquidity, which is influenced by financing risk, fluctuations in public funds, and bank capital adequacy, particularly in the post-COVID-19 pandemic period. This study employs a quantitative approach using secondary data in the form of financial statements of Islamic Commercial Banks obtained from the Islamic Banking Statistics published by the Financial Services Authority (OJK). The sample consists of 10 Islamic Commercial Banks selected using purposive sampling. The data analysis technique used is panel data regression processed using EViews 13 software. The results show that partially, Non-Performing Financing (NPF) has a negative but insignificant effect on ALMA. Meanwhile, Third-Party Funds (DPK) and Capital Adequacy Ratio (CAR) have a negative and significant effect on ALMA in Islamic Commercial Banks in Indonesia during the 2020-2024 period. These findings indicate that although theoretically financing quality, third-party fund mobilization, and capital adequacy influence liquidity management, in practice banks tend to adopt more conservative strategies in maintaining liquidity. This study is expected to provide valuable insights for Islamic bank management and regulatory authorities in strengthening adaptive and sustainable liquidity management strategies.]]>
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