Variable Operation The needed variable operation can be seen on the following table Hypothesis Planning Data Analysis

Research Object and Method Research Object The object used by writer in this research is Customer and Short Term Funding over Total Assets, which is ratio between collectible funds by Islamic bank from customer or third party and has short term character with total assets; Equity Financing Rate by using Mudharabah and Musyarakah ratio proxy, is ratio that shows Islamic bank commitment to development the Moslem communities through equity financing; and also Islamic bank Return on Assets Profitability, is ratio to measure the Islamic bank management ability simultaneously from owned asset development. Research Method 1. Used Research Method In this research, writer used description method by associative approach 2. Population And Sample Populations in this research are all banks that operated in Islamic way and have form as general Islamic Bank. While sampling technique used in this research is purposive sample. Writer chooses Bank Syariah Mandiri BSM as sample because from three general Islamic Banks in Indonesia, BSM has the biggest assets and Islamic financing. The total assets distributed by BSM are 39.62 or almost 40 from Islamic banking total assets. BSM also has the highest ability in developing Islamic bank network with total funds collected from the third party is 46.2. 3. Data Collecting Technique The data used in this research are quantitative data, which are secondary data in form of BSM yearly financial report. Those data are obtained by library research and internet research. Writers takes period 1999-2005 because starting 1999, BSM start its operation until present. The data taken which total assets, total funds of third party current deposits, saving deposits and investment deposits, mudharabah financing, total given financing and net income. 4. Variable Operation The needed variable operation can be seen on the following table 4. Table 4 Variable operationalization Variable Formula Scale Customer and Short Term Funding over Total Assets Equity Financing Rate Mudharabah-Musyarakah Ratio Return on Assets Profitability CSTFTA Total Assets Mudharabah-Musyarakah Total Financing Profit after Tax Total assets Ratio Ratio Ratio Sources: - Journal “the performance of Malaysian Islamic Bank During 1984- 1997: an exploratory study” by Abdus Samad and M. Kabir Hasan - Journal “Determinants of Islamic Banking Profitability” by M. Kabir Hasan and Abdel Hamed M. Bashir.

5. Hypothesis Planning Data Analysis

In doing analysis, the writer through the following steps: a. Collecting data, which related with interrelated variables such as customer and short term funding over total assets, equity financing rate, and profitability. Determining the value of interrelated variables match with determined formula from previous data that already collected. b. Doing statistic testing to test hypothesis and also interpret and make analysis over the result of hypothesis testing. c. Making summary according to the result of statistic testing. Hypothesis determination Simultaneously: Ho 1 : µ = 0 there are no significant influence happened simultaneously between customer and short term funding over total assets and equity financing rate over Islamic bank profitability Ha 1 : µ ≠ 0 there are significant influence happened simultaneously between customer and short term funding over total assets and equity financing rate over Islamic bank profitability Partially: 1. Customer and Short Term Funding over Total Assets Ho 2: β = 0 There are no significant influence happened partially to customer and short term funding over total assets over Islamic bank profitability. Ho 2: β ≠ 0 there are significant influence happened partially to customer and short term funding over total assets over Islamic bank profitability.

2. Equity financing rate Ho