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"Perbankan syariah di Indonesia telah mengalami perkembangan yang cukup baik, namun, pangsanya terhadap perbankan nasional masih relatif kecil. Bank Indonesia, sebagai bank sentral Republik Indonesia, memegang peran penting dalam pengembangan perbankan syariah melalui bauran kebijakan. Penelitian ini akan menganalisis dampak bauran kebijakan Bank Indonesia terhadap pembiayaan syariah berdasarkan pola pembiayaan dan lapangan usaha. Penelitian ini menggunakan VAR-VECM. Berdasarkan hasil analisis diperoleh hasil bahwa pada jangka pendek pembiayaan piutang dipengaruhi oleh RIM syariah. Pada jangka panjang, pembiayaan piutang dan bagi hasil dipengaruhi kebijakan FTV dan RIM syariah. Berdasarkan lapangan usaha, pada jangka pendek BI Rate memengaruhi pembiayaan sektor perdagangan dan keuangan, sementara pada jangka panjang memengaruhi sektor perdagangan, keuangan, transportasi dan pertanian. Pada jangka pendek kebijakan FTV memengaruhi sektor industri dan perdagangan, sementara pada jangka panjang memengaruhi semua sektor kecuali pertanian dan keuangan. RIM syariah hanya berpengaruh pada jangka panjang yaitu memengaruhi semua sektor kecuali industri pengolahan. Untuk mengakselerasi pembiayaan syariah, otoritas terkait perlu melakukan evaluasi kebijakan secara lebih mendetail terhadap polam dan akad pembiayaan dan lapangan usaha, mendorong bank syariah untuk meningkatkan inovasi produk pembiayaan khususnya untuk sektor properti dan pertanian. Koordinasi antar kementerian dan lembaga perlu dioptimalkan dalam rangka sinergi dan harmonisasi kebijakan untuk mengakselerasi kinerja perbankan syariah.

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Sharia banking in Indonesia has seen growth in assets and financing, but its market share remains small. Bank Indonesia’s policy mix plays a crucial role in the development of sharia banking. This study will analyze the impact of Bank Indonesia's policy mix on the growth of sharia financing. The method used in this study is VAR-VECM. It was found that, in the short term, receivables financing is influenced by Sharia RIM. In the long term, receivables financing and profit sharing are influenced by FTV and sharia RIM policies. Based on the business sector, The BI Rate impacts financing in various sectors in both short and long terms. In the short term, the FTV policy affects the industry and trade sectors, The FTV policy affects most sectors except agriculture and finance in the long term. while Sharia RIM policy affects all sectors except the industry in the long term. To accelerate financing growth, the authorities need to conduct a more detailed policy evaluation of business sector and akad that have not grown according to policy objectives and encourage sharia banks to increase innovation in financing products, especially for the property and agriculture sectors, and better inter-ministerial coordination are needed. "

"Indonesia banking based on Article 4 of Act No.10, 1998, aims at supportingthe implementation of national development in order to improve equity,economic growth and national stability in the direction of improving people?swelfare. Therefore, to show how important is banking role in supportingthe implementation of development, the 6 (six) Strategic Dimensions asthe foundation of Banking Standards Contract are: (1). Prudent BankingSupervision and Good Corporate Governance (GCG) in banking activities,(2). Refunctionalization the principle of Contract Law in Banking StandardsContract, (3). Ethics Value in Business, (4). The Act No. 8, 1999 on ConsumerProtection, (5). Enforcement of Human Rights Principles in banking activities,(6). Abuse of Circumstances implementations (Misbruik van Omstandigheden)in banking Contract. Based on the 6 (six) Strategic Dimension as the foundationof Banking Standard Contract, it will undoubtedly create justice, equity andassurance of the rights and obligations of the parties framed in the contractualand law bonds."