The result of hypothesis test simultaneously between Customer and Short The result of Hypothesis test partially on Customer and Short Term The result of hypothesis test partially between Equity Financing

t Test Partially testing is done to knowing the existence of relation or influence one of independent variable with dependent variable with assumption that the other variables are constant. The test result with helps from SPSS 13.0. can be seen on the following table 12. In testing this hypothesis, the criteria which can be used is a criteria where: Ho is accepted when: -t 12 t count -t 12 . Ho is rejected when: t count -t 12 or t count t 12 with df = n-k-1 = 7-2-1 = 4 then the obtained t table is 2.7764. from table 4.10, can be known that value of t count for Customer and Short Term Funding over Total Assets is 2.980 an for equity financing rate Mudharabah- Musyarakah Ratio is - 2.527. since 2.980 2.7764 or t count t 12 , so Ho is in the rejection area, it means that the relation and the influence happened between variable Customer and Short Term Funding over Total Assets with Return in Assets is significant. Meanwhile, -2.527 -2.77642.527or -t 12 t count t 12 , so Ho is in the acceptance area, it means that the relation and influence happened between variable Equity Financing Rate with Return on Assets is non-significant. Conclusion and Suggestions Conclusion From the research that has been done and also explained on the previous chapters, can be concluded as follows:

1. The result of hypothesis test simultaneously between Customer and Short

Term Funding over Total Assets and Equity Financing Rate over profitability Return on Assetsshows that zero hypothesis is accepted. This shows that there are no significant influence from Customer and Short Term Funding over Total Assets and Equity Financing Rate simultaneously over Islamic Bank.

2. The result of Hypothesis test partially on Customer and Short Term

Funding over Total Assets CSTFTA over profitability ROA Islamic Bank shows that zero hypothesis is rejected. This means CSTFTA has significant influence over profitability ROA with positive way. Positive influence means that the increase decrease Customer and Short Term Funding over Total Assets CSTFTA will be followed with the increase decrease Islamic bank profitability ROA. This happens because most funds that accepted by Bank Mandiri Syariah are invested in financing form, which has the biggest portion from profitable assets.

3. The result of hypothesis test partially between Equity Financing

mudharabah – Musyarakah Ratio MMF over profitability ROA. This happens because the portion of equity financing mudharabah musyarakah still low compared with non equity financing which still dominating about 71 of total financing . Suggestion For those who interested in doing advanced research, writer would like to give several suggestion, as in follows: 1. Using other profitability ratio such as Return on Equity, Gross Profit Margin, or Net Profit as independent variable. 2. Researching other factors that influence Islamic bank profitability, such as financing distribution financing to work capital sector, investment, and consumptive and equity ratio rate 3. Doing research on other general Islamic Bank, because every bank has its own policy in order to research its profitability. References Ajiwarman karim. 2004. Bank Islam: Analisis Fiqh dan keuangan, 2 nd ed. Jakarta: IIIT Indonesia A.Wirman syafe’i. 200. “Pengukuran Kinerja Bank Syariah”.Majalah Ekonomi Syariah. Jakarta.EKABA Universitas Trisakti. Ascarya. 2005. “Dominasi Pembiayaan non Bagi hasil Perbankan Syariah di Indonesia: Masalah Alternatif solusi”. Majalah Ekonomi Syariah. Jakarta. EKABA Universitas Trisakti. Bank Indonesia. 2002. Certakan Biru Perkembangan Perbankan Syariah 2002- 2011. Jakarta: www.bi.go.id Bank Indonesia. 2006. Statistik Perbankan Syariah September 2006. Jakarta: www.bi.go.id Ikatan Akuntan Indonesia. 2003. Pedoman Akuntansi Perbankan Syariah Indonesia. Jakarta: Biro Perbankan Syariah Bank Indonesia. Ikatan Akuntan Indonesia. 2004. Standar Akuntansi Keuangan per 1 Oktober 2004. Jakarta . Penerbit Salemba. Gujarati. Damodar. 2003. Basic econometrics 4 th . Singapore: McGrawhill. Kabir, hasan and Abdel – Hameed. Bashir. 2002. “Determinants of Islamic Banking profitability”. ERF Paper. www.google.com Lukman Dendawijaya. 2003. Manajemen Perbankan. Jakarta. Ghalia Indonesia. Kasmir. 2002. Manajemen Perbankan. Jakarta. Raja Grafindo Persada. Moch. Nazir. 2003. Metode Penelitian. Edisi lima. Jakarta. Ghalia Indonesia. Muhammad. 2002. Manajemen pembiayaan bank Syariah. Yogyakarta.UPP-AMP YKPN. Muhammad Syafi’i Antonio. 2001. bank Syariah: dari teori ke Praktik. Jakarta. Gema Insani Press. Undang- Undang No.10 1998, Perbankan Syariah, Bank Indonesia Nur Indriantoro dan Bambang Supomo. 2002. Metodologi Penelitian Bisnis Untuk Akuntansi. Yogyakarta. BPFE Samad, Abdus,. And M. Khabir hassan. 1999. ”Islamic International Journal of Financial Service: The performance of Malaysian Islamic bank During 1984-1997: An Exploratory Study”. www.google.com Sarker, Md Abdul Awwal. 1999. “Islamic International journal of Financial Service: Islamic Banking in Bangladesh Performance problems Prospects” www.google.com Sugiono. 2003. Statistika untuk Penelitian. Bandung. Alvabeta Wiroso. 2005. Penghimpunan Dana dan Distribusi Hasil Usaha Bank Syariah. Jakarta. Gramedia Widiasarana Indonesia. www.syariahmandiri.co.id Yulia Mustika Wati. 2004. Prospek Perbankan Syariah Pasca Fatwa MUI. www.esyariah.com Zainul Arifin. 2005. Dasar- dasar Manajemen Bank Syariah. Jakarta. Pustaka Alvabet