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Keywords Capital Adequacy, Profitability, Financing Risk, Cost Efficiency Financial technology, Digital lending, Sharia financial literacy Foreign Direct Investment, Gulf Cooperation Council, Panel Regression Good Corporate Governance, independent board of commissioner, syariah supervisory board, DPS positions, audit committee, temporary syirkah fund, profitability, maqasid sharia. Human Development Index (HDI), Islamic Human Development Index (I-HDI), Maqashid Sharia Inflation Islamic Business Ethics, Key to Success, Family Business Islamic Economics and Finance Islamic Economics, Micro Small Medium Entreprises (MSMEs), Halal Industry, Qualitative Method Islamic branding, halal awareness, product quality, halal socks Islamic financial inclusion, Islamic Human Development Index (I-HDI), material welfare index (MWI), non-material welfare index (NWI), maqashid sharia. Islamic macroeconomics Islamic monetary economics Islamic philanthropy, orphans, maqashid sharia, Maqashid Sharia Multidimensional Poverty Index (MSMPI) Literacy Service quality Understanding Waqf Zakah Zakah Funds Reserves brand image, customer satisfaction