Analisis implementasi green banking pada Bank Syariah: studi di Bank Muamalat kantor cabang Malang

This item is published by Universitas Islam Negeri Sunan Ampel Surabaya

Rizka, Hasyiminabila (2023) Analisis implementasi green banking pada Bank Syariah: studi di Bank Muamalat kantor cabang Malang. Undergraduate thesis, UIN Sunan Ampel Surabaya.

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Abstract

Environmental problems are an impetus for the financial and banking sectors to make efforts in order to care for the environment which then makes banking transform in its behavior and activities, resulting in green banking. Banks take part in maintaining the environment through their banking activities. In 2015, 8 local banks participated in the Pilot Project to implement the environmental social integrity and governance (ESG) guidelines for banks. Also called the "First Mover on Sustainable Banking" and one of these banks is Bank Muamalat Indonesia. This research was conducted to determine the policy of implementing the concept of green banking at Bank Muamalat Malang Branch Office and to find out the implementation of green banking in the distribution of financing at Bank Muamalat Malang Branch Office. This research is a field research with a qualitative research type and a descriptive approach. Data collection techniques used are observation, interviews, and documentation. Data analysis techniques used in this research are collecting data, compiling data, interpreting data, and analyzing data. The data sources in this research are primary data sources and secondary data sources. The results showed that the green banking implementation policy at Bank Muamalat Malang Branch Office is on internal education about green banking, information technology system adjustments, and environmental management at the bank. Implementation of green banking in financing distribution at Bank Muamalat Malang Branch Office is carried out in the form of environmental and social risk mitigation, as well as an assessment of environmental documents owned by customers for financing applications. The market segment in the distribution of financing at Bank Muamalat Malang Branch Office is in the Small Medium Enterprise (SME) segment which gets environmentally friendly guarantees in the form of ownership of environmental documents. Based on the results of the study, it is recommended to Bank Muamalat Malang Branch Office to continue implementing green banking in financing distribution and improve bank policies related to green banking implementation.