The purpose of this research are (1) To know effect liquidity ratio(banking ratio, loan to deposit ratio, and loan to assets ratio) on financing channeling at Bank Syariah Mandiri; (2) To know effect activity and business risk ratio (credit risk ratio, liquidity risk ratio, and deposit risk ratio) on funding channeling at Bank Syariah Mandiri; (3) To know effect solvability ratio (capital adequacy ratio, risk assets ratio, and capital ratio) on funding channeling at Bank Syariah Mandiri; (4) To know effect profitability ratio (net profit margin, gross yield on total assets ratio, and leverage multiplier) on funding channeling at Bank Syariah Mandiri. The sample at this research is financial report of Bank Syariah Mandiri period 2001 ? 2006. 
The result of this research indicate variables of liquidity ratio (banking ratio, loan to deposit ratio, dan loan to asset ratio) have not significant effect on financing channeling. For liquidity risk ratio and deposit risk ratio at level 10% significantly effect on financing channeling, while credit risk ratio not significantly effect on financing channeling. At risk assets ratio not significantly effect on financing channeling. For leverage multiplier significantly effect on financing channeling, while net profit margin and gross yield on total assets not significantly effect on financing channeling.