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The finding of Granger Causality Test in Indonesian Islamic banks concludes that industrial production does not have causal relationship with asset growth. Conclusion of VECM model through its IRF and FEVD is that inflation and interest rate are major variables that negatively affect the asset growth while industrial production, human capital and office branch and channeling are variables that contribute positive impact to the asset growth. Although the impact is insignificant, human capital and office branch and channeling promise long-term positive impact to the asset growth. "Murniati has shown her serious works dedicated for the development of Islamic economic practices in indonesia. Her contribution is not only in the area of accounting and finance where she is belong to but also in doing research on Islamic banking, zakah, Islamic micro finance, Islamic micro insurance and Islamic financial planning. Her research in this book on Islamic banking asset growth is important to be addressed and it is recommended to become a reference for Islamic bankers to formulate relevant strategies" ( Dr. Muhammad Syafii Antonio, M.Ec, Chairman of Tazkia Group).
