MODEL KAUSALITAS PEOPLE EQUITY, SUMBER DAYA VRIN, MODAL SOSIAL, KAPABILITAS INOVASI, DAN KINERJA UKM KERAJINAN TANAH LIAT SENTRA KASONGAN BANTUL DAERAH ISTIMEWA YOGYAKARTA

This research purpose is to test and analyze the influence of: 1) people equity, VRIN resources, innovation capability towards SMEs performance; 2) social capital and people equity toward innovation capability; 3) social capital towards people equity; and 4) social capital towards VRIN resources. The population in this research is all group produces of small and medium enterprises (SMEs) in Kasongan Clay Crafts Centers which is the biggest one in Indonesia, located on Bantul Regency, Province of Daerah Istimewa Yogyakarta (DIY) as many as 582 SMEs spread in 15 sub village. The sampling technique that is used in this research is purposive sampling with amount of sample 237 SMEs. Whereas, statistic technique used in this research is Partial Least Square. Conclusion of this research is: 1) people equity, VRIN resources, and innovation capability have a significant positive result toward innovation capability; 2) social capital and people equity have a significant positive result toward innovation capability; 3) social capital has a significant positive result towards People Equity; 4) social capital has a significant positive result towards VRIN Resources; 5) VRIN Resources mediate the influence of social capital on performance of SMEs;6) people equity mediate the influence of social capital on performance of SMEs; 7) innovation capability do not mediate the influence of people equity on performance of SMEs in Kasongan Clay Crafts Centers. 8) the influence of people equity on performance of SMEs in Kasongan Clay Crafts Centers is directly to the SMEs whose business is similar. People equity and innovation capabilities do not mediate the influence of social capital on performance of SMEs. Key words : People Equity, VRIN resources, social capital, innovation capability, SMEs performance

Analisis Kesehatan Keuangan Bank Syariah Mandiri Ditinjau dari Faktor Permodalan (CAR), Pembiayaan (FDR), Profitabilitas (ROA & ROE) Serta Risiko Kredit (NPF)

The aims of the research is to find out the financial soundness of Bank Syariah Mandiri (BSM) seen from the capital factor (CAR), financing (FDR), profitability (ROA & ROE), and credit risk (NPF). This research uses quantitative descriptive methods. The data used are the 2014-2018 financial statements. The results of this study indicate that BSM in terms of capital using the CAR ratio shows an average CAR ratio of 14.75%. This means that BSM in terms of capital is ranked very well. This means that BSM's ability to generate profits is ranked quite well. Bank Syariah Mandiri in terms of financing using the FDR ratio shows an average FDR ratio of 79.81%. This means that BSM's ability to repay short-term loans and meet agreed financing is at a healthy rating. Bank Syariah Mandiri in terms of profitability using the ROA and ROE ratio shows an average ROA of 0.53% and ROE of 6%. Bank Syariah Mandiri in terms of credit risk using the NPF ratio shows an average NPF ratio of 3.18%. This means that there is very little credit provided by Bank Syariah Mandiri and the bank is viewed from the aspect of credit risk, including in a good rating. From the results of these research, indicate that the the soundness level of Bank Syariah Mandiri (BSM) is in a good level of soundness