Analisis Pengaruh PDB, Kurs dan NPF Terhadap Pembiayaan Perbankan Syariah di Indonesia

Sharia banking is experiencing rapid development in Indonesia. This can be seen from the increasingly advanced sharia banking every year and the successful existence of the sharia economy which is used as a benchmark. This research aims to analyze the influence of GDP, Exchange Rates and NPF on Sharia Banking Financing in Indonesia. The research method uses a quantitative approach to secondary data in a time series with the Vector Error Correction Model (VECM) and uses the help of the eviews 9 program. This research uses monthly data from 2017 to 2021. he results of this research have shown that there is a one-way causality relationship between PENGPS and NPF, a one-way causality relationship between GDP and KURS and a one-way causality relationship between GDP and NPF. Based on the results of the long-term VECM estimation, the GDP and NPF variables have a positive and significant effect on PENGPS, while the exchange rate variable has a negative effect on PENGPS. The results of the short-term VECM estimation of PENGPS have a relationship with the NPF variable and GDP has a relationship with the KURS variable. Meanwhile, KURS and NPF have no relationship with other variables in the short term. Based on Impulse Response Function (IRF) analysis, it is clear that all variables are stable and respond little to shocks that occur in the short term. The results of the Variance Decomposition (VD) analysis show that the GDP variable plays a very dominant role from the beginning to the end with a composition of 94%