Purpose: The COVID-19 pandemic's effects were broken down by the financial institution and economic sector. Even though society as a whole has been impacted by the crisis, certain financial institutions have been able to grow their operations by catering to the most vibrant economic sectors. In addition to economic slowdown, customer behavior regarding sentra meetings remains a challenge. During the 2020-2022 period, Bank Syariah CIPTA prioritized the health and safety of its employees and customers, leading to a reduced attendance of routine sentra meetings by largest customers. As a consequence, the effectiveness of support and reminders between customers decreased compared to pre- pandemic times. To address this issue and improve support and communication among customers, the Bank will implement a return to the previous group financing. The purpose of this research is to identify and comprehend the factors contributing to the decreased profitability of Wisma Siaga, with the ultimate goal of providing valuable insights for future decision-making aimed at enhancing its financial performance. Materials and Methods: This research uses a mix method of quantitative and qualitative analysis. This study uses a quantitative descriptive method with secondary data sourced from the annual reports of Cipta Syariah Bank obtained from 2018-2022. The dependent variables in this study are Return On Assets (ROA), while the independent variables are CAR, FDR and NPF. This research uses a qualitative approach with AHP and interview. This condition is of concern to Islamic financial institutions in Indonesia, including Cipta Syariah Bank. Findings: The impact of Covid-19 has given rise to various risks faced by the Bank industry, starting from asset income which has decreased compared to the time before Covid-19And for sharia creative banks that have poor profits, they can improve internally from services, products and creative financial services that can increase profitability. Practical Implications: The research underscores the practical significance for Bank Syariah CIPTA and similar Islamic financial institutions, offering actionable insights to adapt strategies, enhance customer engagement and restore profitability in the aftermath of the COVID-19 pandemic. Originality/value: The research holds originality and value by uniquely addressing the specific challenges faced by Bank Syariah CIPTA during the COVID-19 pandemic, proposing a distinctive return to the previous group financing approach and employing a comprehensive mixed-method analysis that contributes to a deeper understanding of adaptive strategies for Islamic financial institutions navigating post-pandemic uncertainties.