rate of return of a BaitulMaalwaTamwil (BMT) is one of the survival of BMT, which willbe a contributing factor to the level of SHU. Sample of this research is 178 consisting of BMTwhich exists in North of Central Java. The method used is quantitative with Structural EquationModel (SEM) using Partial Least Squar (PLS) tool. The results of this research are variablepressure; the ability of actors has a significant positive effect on the variable rate of return onfinancing. Variable of legal uncertainty has a significant negative effect on the variable rate ofreturn on financing. While variable of the return rate of financing has a significant positive effectto the rest of the business results (SHU). Thus, the implications of BMT need to strengthen theoperational standards and the implementation of the system of financing and billing in order toreduce or even eliminate loan defaults, which will support the welfare of BMT members.