Financial factors contribution to SMEs’ profitability in Malang city

Micro, small, and medium enterprises play a very important role in driving the economy both nationally internationally. The level of profitability is one indicator performance SMEs. One factors that affect financial factor. Therefore, this study attempts to analyze contribution (Own Capital, Loan Assets, Trade Credit, Production Costs, Sales, Average Wages, Taxes, Lagged Profitability) population consists all SMEs city Malang. sampling technique used an iteration formula obtained sample 116 Malang received financing from Islamic institutions, banks, non-banks. Questionnaires observational interviews collected data. data analysis Multiple Linear Regression. result determination test on research model 0.839 (84%). And based results partial test, nine independent variables study, only three have significant positive effect SMEs, namely Own Profitability. provide largest or influence Capital.