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All Journal Uncang : Journal of sharia Banking and islamic finance
Ali Rahman
Universitas Islam Negeri Sjech M.Djamil Djambek Bukittinggi
Economics, Econometrics & Finance

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Indonesia Analisis Implementasi Green Banking Pada Perbankan Syariah (Studi Kasus Bank Muamalat KCP Payakumbuh) Doni Iskandar; Iiz Izmuddin; Ali Rahman; Himmatul Khairi
UNCANG : Journal of Sharia Banking and Islamic Finance Vol. 1 No. 2 (2025): December 2025
Publisher : Program Studi Ekonomi Islam - UIN Sjech M. Djamil Djambek Bukttinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/uncang.v1i2.10328

Abstract

This research is based on the increasing environmental issues that encourage banks to transform their behavior and activities known as green banking. The concept of green banking is banking that emphasizes the implementation of sustainability in operational activities. Thus, banks strive to implement environmentally friendly practices by reducing the carbon footprint generated from banking operational activities. This study aims to analyze the implementation of the green banking concept in Islamic banking with a case study at Bank Muamalat KCP Payakumbuh. The research method used is descriptive qualitative with a field study approach, through direct interviews with parties at Bank Muamalat KCP Payakumbuh, and documentation. Data analysis techniques in this study are data collection, data reduction, data presentation, and drawing conclusions/verification. The results of the study indicate that Bank Muamalat KCP Payakumbuh has implemented green banking in stages based on research indicators, namely green banking indicators, namely Carbon Emissions, Green Building, Paperless, Reuse/Recycle/Refurbish Green Rewards And Green Investment. The implementation of environmentally friendly practices provides operational efficiency achieved through the implementation of green banking, helping banks reduce costs and increase work efficiency. The use of technology also plays a role in accelerating service processes and increasing customer satisfaction.
Indonesia Persepsi Petani Terhadap Perbankan Syariah Di Nagari Pandai Sikek Muhammad Farel Rizky; Rusydi Fauzan; Ali Rahman; Yefri Joni
UNCANG : Journal of Sharia Banking and Islamic Finance Vol. 1 No. 2 (2025): December 2025
Publisher : Program Studi Ekonomi Islam - UIN Sjech M. Djamil Djambek Bukttinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/uncang.v1i2.10738

Abstract

This research is motivated by the fact that many farmers prefer to borrow funds from conventional banks or through traditional systems due to limited information, a lack of understanding of Islamic contracts (akad), and diverse perceptions toward Islamic banking. The purpose of this study is to analyze farmers’ perceptions of Islamic banking in Nagari Pandai Sikek and to identify the factors influencing those perceptions. The study employs a descriptive qualitative method with a field research approach, which allows the researcher to deeply understand farmers’ perceptions, views, and experiences regarding Islamic banking based on real conditions in the field. This approach emphasizes the meaning behind farmers’ behaviors and opinions rather than merely focusing on numerical or statistical data. Data were collected through interviews, observations, and documentation involving 40 informants from four sub-villages (jorong) in Nagari Pandai Sikek. The findings reveal that farmers’ perceptions of Islamic banking remain diverse and not entirely positive. Out of 360 responses, 34.17% were positive (123 responses), 29.17% were neutral (105 responses), and 36.66% were negative (132 responses). The highest negative perception was found in the value variable (44.16%), as many farmers believed that the Islamic financing system is not significantly different from conventional banking due to burdensome installments and complex procedures. In the information variable, negative perceptions reached 35%, mainly caused by the lack of socialization and Islamic financial literacy. Meanwhile, the education variable recorded the highest positive perception at 36.67%, indicating that education level and religious understanding help farmers comprehend the principles of Islamic banking.This study concludes that Islamic banks need to enhance socialization, education, and product innovation to make their services more relevant to the needs of rural farmers.
Co-Authors Doni Iskandar Himmatul Khairi Iiz Izmuddin Muhammad Farel Rizky Rusydi Fauzan Yefri Joni