INDONESIA
Permasalahan dalam penelitian ini adalah masih rendahnya Market Share Bank Umum Syariah di Indonesia, meskipun kinerja keuangannya menunjukkan hasil positif. Hal ini tercermin dari peningkatan Return On Assets (ROA), Capital Adequacy Ratio (CAR), serta penurunan Non Performing Financing (NPF). Namun, pertumbuhan market share tersebut masih lambat dan belum mencapai target yang ditetapkan Bank Indonesia, sehingga menunjukkan adanya kesenjangan antara kinerja internal bank dan tingkat penerimaan pasar secara luas.

Metodologi penelitian yang digunakan adalah pendekatan kuantitatif dengan jenis data sekunder yang diambil dari website resmi Otoritas Jasa Keuangan menggunakan teknik sampling jenuh. Analisis data yang digunakan yaitu statistik deskriptif, uji asumsi klasik, regresi linear berganda, dan uji hipotesis menggunakan bantuan IBM SPSS 2022.

Hasil penelitian berdasarkan uji hipotesis menunjukkan bahwa pertama, variabel ROA secara parsial tidak berpengaruh signifikan terhadap market share dengan nilai probabilitas > signifikansi yaitu sebesar (0,279 > 0,05). Kedua variabel CAR secara parsial berpengaruh signifikan terhadap market share dengan nilai probabilitas < signifikansi yaitu sebesar (0,000 < 0,05). Ketiga variabel NPF secara parsial berpengaruh signifikan terhadap market share dengan nilai probabilitas < signifikansi yaitu sebesar (0,044 < 0,05).

ENGLISH
The problem in this study is the still low Market Share of Islamic Commercial Banks in Indonesia, even though their financial performance shows positive results. This is reflected in the increase in Return On Assets (ROA), Capital Adequacy Ratio (CAR), and the decrease in Non Performing Financing (NPF). However, the growth of the market share is still slow and has not reached the target set by Bank Indonesia, thus indicating a gap between the bank's internal performance and the level of broad market acceptance.

The research methodology used is a quantitative approach
with secondary data types taken from the official website of the Financial Services Authority using saturated sampling techniques. The data analysis used is descriptive statistics, classical assumption tests, multiple linear regression, and hypothesis testing using IBM SPSS 2022.

The results of the study based on the hypothesis test show that first, the ROA variable partially does not have a significant effect on market share with a probability value > significance, namely (0.279 > 0.05). Second, the CAR variable partially has a significant effect on market share with a probability value < significance, namely (0.000 < 0.05). The three NPF variables partially have a significant effect on market share with a probability value < significance of (0.044 < 0.05).