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Keywords Bank Syariah Budgeting, Performance Based APBD, Commitment, Administrative System, Resources, Awards, Sanctions, and Motivation. DPS, Margin, Margin Determination, Murabahah Development, Human Resources, Motivation Approach Dewan Pengawas Syariah Etika Bisnis, Prilaku Bisnis, Islam, Hindu, Budhha, Judeo-Cristian, Protestan, filsafat, Ekonomi Islam. Good Corporate Governance Haji, Umrah, Motivasi, Jati Diri Inflasi, BI rate, Profitabilitas, dan Return Saham Kompensasi, Motivasi, Kinerja Dosen dan Karyawan Malaysia, The Source of Income, The Allocation of Income, Finance The Public of Islam. Optimalisasi, wakaf, Indonesia. Perbankan Syariah Problem financing, Murabahah Profitability, Financial Ratio ROA (Return On Asset) and ROE (Return On equity), Musyarakah Financing. Reksa Dana Syariah, ISBI, Metode Sharpe Sikap, Pengelolaan Zakat, Negara-BAZ Yield to Maturity and Rating, Sukuk Ijārah and Sukuk Muḍārabah economic interests of zakat, interest, market mechanisms, the need for public sector intervention financial ratio analysis, financing. pola kemitraan, inistiatif zakat indonesia, pengembangan lembaga