标题：PENGARUH PEMBIAYAAN USAHA MIKRO, KECIL, MENENGAH (UMKM), DAN KECUKUPAN MODAL TERHADAP KEMAMPUAN MENDAPATKAN LABA DARI ASET PERBANKAN SYARIAH DI INDONESIA
摘要：The purpose of this research is to know the influence of sharia financing by the real sectorthrough micro, small and medium enterprises (SMEs) and the influence of capital adequacyof Islamic Banking in Indonesia in order to earn profit by using managed assets. This studyuses a quantitative approach that analyzes secondary data from financial statementsIslamic Banking in Indonesia period 2012-2015. Sampling technique using purposivesampling with the ratio of each variable as a unit of analysis. The analysis used multiplelinear regression with t test partially. The results showed that the influence of Islamicfinancing of micro, small and medium enterprises (SMEs) on the ability to get a verysignificant profit partially by 0.708 or 70.8%, while the influence of capital adequacy asmeasured by Capital Adequacy Ratio (CAR) -0.519 or -51.9%. The Effect of micro, smalland medium enterprises (SMEs) financing and Capital Adequacy of Islamic Banking inobtaining profit amounts to 55.7%. This research shows that the financing of UMKM givenby Islamic Banking gives an important role for entrepreneurs to develop his business withsharia scheme.
关键词：Pembiayaan UMKM; Kecukupan Modal (CAR); Profitabilitas; Aset; Bank
Syariah
