ANALISIS IMPLEMENTASI GREEN FINANCING DAN KINERJA KEUANGAN TERHADAP PROPITABILITAS PERBANKAN UMUM DI INDONESIA

Authors

  • Nurul Hasanah Magister Ekonomi Syariah UIN Sunan Kalijaga
  • Slamet Hariyono UIN Sunan Kalijaga

DOI:

https://doi.org/10.37932/j.e.v12i1.444

Keywords:

Green Finance, Kinerja Keuangan, Profitabilitas, Bank Syariah

Abstract

Green Financing (Pembiayaan hijau) mengacu pada investasi dan proyek ramah lingkungan yang membahas keberlanjutan. Saat ini penggunaan tekhnologi yang berlebihan telah memberikan tantangan berat bagi perekonomian di seluruh dunia. Perekonomi menghadapi dua masalah signifikan; dampak lingkungan dan urgensi uang. Jadi, perlu pembiayaan untuk mengatasi dua tantangan yang mengkhawatirkan yang jika tidak dapat berubah dari buruk akan menjadi lebih buruk. Berdasarkan hal ini, keuangan hijau dianggap sebagai solusi untuk degradasi lingkungan. Perbankan memiliki peran penting dalam pembiayaan. Profitabilitas perbankan menjadi nilai bagi masyarakat untuk melakukan pembiayan atau pendanaan dalam perbankan. Nilai Profitabilitas dilihat dari rasio kinerja keuangan perbankan. Penelitian ini menggunakan metode kuantitatif dengan analisis Poled Least Square (PLS). Obyek penelitian ini adalah Perbankan Syariah di Indonesia periode 2016-2020 menunjukkan hasil bahwa variabel Green Financing tidak berpengaruh terhadap Return on Asset (ROA). Penerapan green finance belum memiliki dampak positif bagi keuntungan perusahaan karena penerapan pelaporan green financing pada perbankan syariah baru dimulai pada tahun 2018. Biaya Operasional Pendapatan Operasional (BOPO) dan Non Performing Financing (NPF) berpengaruh terhadap ROA Return on Asset (ROA). Sedangkan variabel Capital Adequacy Ratio (CAR) dan Non Performing Loan (NPL) tidak berepengaruh. Perbankan harus menjaga rasio BOPO dan NPF tetap minim agar tidak terjadi pembiayaan macet yang dapat menurunkan profitabilitasGreen Green Financing refers to environmentally friendly investments and projects that address sustainability. Today's excessive use of technology has presented a formidable challenge to economies around the world. The economy faces two significant problems; environmental impact and the urgency of money. So there is a need for financing to address two worrisome challenges that would otherwise go from bad to worse. Based on this, green finance is considered as a solution to environmental degradation. Banking has an important role in financing. Banking profitability becomes a value for the community to do financing or funding in banking. Profitability value is seen from the ratio of banking financial performance. This study uses quantitative methods with Poled Least Square (PLS) analysis. The object of this research is Islamic Banking in Indonesia for the 2016-2020 period which shows that the Green Financing variable has no effect on Return on Assets (ROA). The implementation of green finance has not yet had a positive impact on company profits because the implementation of green financing reporting in Islamic banking only started in 2018. Operating Income (BOPO) and Non-Performing Financing (NPF) have an effect on ROA Return on Assets (ROA). While the variables of Capital Adequacy Ratio (CAR) and Non Performing Loan (NPL) have no effect. Banks must keep the BOPO and NPF ratios to a minimum so that non-performing financing does not occur which can reduce profitability

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Published

2022-03-31

How to Cite

Hasanah, N., & Hariyono, S. (2022). ANALISIS IMPLEMENTASI GREEN FINANCING DAN KINERJA KEUANGAN TERHADAP PROPITABILITAS PERBANKAN UMUM DI INDONESIA. Jurnal Ekobis : Ekonomi Bisnis &Amp; Manajemen, 12(1), 149–157. https://doi.org/10.37932/j.e.v12i1.444

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Vol. 12 No. 1 (2022): Jurnal Ekobis: Ekonomi Bisnis dan Manajemen

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