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"Tujuan Penelitian ini adalah untuk mengetahui bagaimana pengaruh struktur neraca yang tercermin dalam Rasio Rate Sensitive Asset (RSA) dan Rate Sensitive Liability (RSL), Financing to Deposit Rario (FDR), Interest Rate of Sertifikat Bank Indonesia (SBI), Capital Adequacy Ratio (CAR) dan Non Performing Financing (NPF) terhadap Net Margin di Bank Syariah Mandiri. Data yang digunakan dalam penelitian ini adalah data sekunder dari Laporan Publikasi Bank Syariah MandirL Sampel yang digunakan adalah Laporan Keuangan Bank Syariah Mandiri dari bulan Mei 2004 sampai dengan Mei 2009. Penelitian ini menggunakan model regresi berganda dengan data time series. Hasil Penelitian ditemukan bahwa indikator Net Margin dipengaruhi secara besama-sama oleh Rasio RSA/RSL, FDR, SBI, CAR dan NPF tetapi secara individu, banyak dipengaruhi secara signifikan oleh Rasio RSA/RSL, SBI dan CAR sedangkan FDR dan NPF tidak berpengaruh signifikan secara statistik."

"ABSTRAKThis study aims to find the concept of rate of profit on Islamic banking that can create economic justice. Rate of profit that creates economic justice can be achieved through its role in maintaining the stability of the financial system in which there is an equitable distribution of income and wealth. To determine the role of the rate of profit as the basis of the sharing system implemented in the Islamic financial system, we can see the connection of rate of profit in creating financial stability, especially in the asset-liability management of financial institutions that generate a stable net income or the rate of profit that is not affected by the ups and downs of the market risk factors including indirect effect on interest rates. Futhermore, Islamic financial stability can be seen from the role of the rate of profit on the stability of the Islamic financial assets that are measured from the Islamic financial asset price volatility."