Institutional Repository UIN Sunan Kalijaga YogyakartaPENGARUH KEBIJAKAN MONETER, MAKROPRUDENSIAL, DAN MIKROPRUDENSIAL TERHADAP PEMBIAYAAN BANK SYARIAH PADA SEKTOR REAL ESTATE PASCA GLOBAL FINANCIAL CRISIS 2008NIM.: 22108020031Muhammad Rifdi FadhilaauthorPenelitian ini bertujuan untuk menganalisis pengaruh kebijakan moneter, makroprudensial, dan mikroprudensial terhadap pembiayaan sektor real estate pada perbankan syariah di Indonesia pasca Global Financial Crisis 2008. Kebijakan moneter diproksikan dengan Suku Bunga (SB), kebijakan makroprudensial dengan Rasio Intermediasi Makroprudensial (RIM), sedangkan aspek mikroprudensial meliputi Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), dan Total Aset (TA). Penelitian ini menggunakan data sekunder bulanan periode Januari 2009–Desember 2024 yang bersumber dari Bank Indonesia dan Otoritas Jasa Keuangan. Analisis dilakukan menggunakan Vector Error Correction Model (VECM), uji kausalitas Granger, Impulse Response Function (IRF), dan Forecast Error Variance Decomposition (FEVD) dengan bantuan StataMP 17. Hasil penelitian ini diharapkan dapat memberikan gambaran empiris mengenai dinamika pembiayaan sektor real estate serta menjadi bahan pertimbangan bagi perbankan syariah dan regulator dalam meningkatkan efektivitas intermediasi dan menjaga stabilitas pembiayaan. Kata Kunci: Kebijakan Moneter, Kebijakan Makroprudensial, Kebijakan Mikroprudensial, Pembiayaan Real Estate, VECM.Perbankan Syariah2026-08-19UIN SUNAN KALIJAGA YOGYAKARTA;FAKULTAS EKONOMI DAN BISNIS ISLAMThesis

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