Pengaruh Faktor Internal Terhadap Pembiayaan Usaha Kecil dan Menengah pada Bank Umum Syariah (Tahun 2012-2014)

The main driver of the Indonesian economy so far is the Small and Medium Enterprises (UKM) sector, this SME also plays an important role in employment and increase the number of new business units that support the household income from the business. Constraints for SMEs to grow one of them is the capital, especially financing from banks. Without financing SMEs will lose the potential to grow and develop because the main support of the establishment of SMEs is capital or financing. This study aims to determine the internal factors that influence the third-party funds, inflation, the level of margin period 2012-2014 in sharia commercial banks in Indonesia. This test is done by OLS (ordinary Least Square) method. Due to these methods can provide knowledge to us about the factors that affect the financing of SMEs very clearly. Based on the estimation result shows that the Third Party Fund has a significant positive effect on the financing of small and medium enterprises. The variable level of margin has a significant negative effect on the financing of small and medium enterprises. While the inflation variable has a significant positive effect and the coefficient value is more dominant toward the financing of small and medium enterprise