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All Journal International Journal of Management and Business Economics
Mufidatul Himmah
Universitas Nurul Jadid Probolinggo, Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Integrating ESG Principles Into Islamic Banking Digitalization To Strengthen Sustainable Financial Literacy Nadiaatul Khoir; Mufidatul Himmah
International Journal of Management and Business Economics Vol. 5 No. 1 (2026): October (Inpres)
Publisher : CV Putra Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58540/ijmebe.v5i1.2011

Abstract

This study aims to analyze how the integration of Environmental, Social, and Governance (ESG) principles in Islamic banking serves as a mechanism for strengthening sustainable financial literacy through the use of Sharia-based digital financial services in the Kerang Krajan community. This study uses a descriptive qualitative approach with a literature review method supported by an analysis of the implementation of Sharia-compliant digital financial services. Data were obtained from scientific articles, official reports, regulations related to ESG and Islamic banking, and documentation of digital service implementation. Data were then analyzed thematically through data reduction, data presentation, and conclusion drawing. The results show that ESG integration supports the improvement of sustainable financial literacy through environmental, social, and governance dimensions. In the environmental dimension, the digitalization of financial services contributes to resource efficiency through reduced paper use. In the social dimension, the implementation of digital services increases public understanding of responsible financial management, business ethics, and the values ​​of the maqashid of Sharia. Meanwhile, in the governance dimension, the integration of digital systems with Islamic banking strengthens transparency, accountability, and compliance with Sharia principles. These findings indicate that ESG integration plays a role in supporting the strengthening of sustainable financial literacy through innovation in Islamic banking digital services and provides input for the development of more transparent, accountable, and sustainability-oriented financial service strategies.
The Influence Of Trust and Social Relations On Member Loyalty At The Mangaran Branch Of BMT NU Mufidatul Himmah; Adinda Fitri Firdaus
International Journal of Management and Business Economics Vol. 5 No. 1 (2026): October (Inpres)
Publisher : CV Putra Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58540/ijmebe.v5i1.2013

Abstract

The development of the financial industry in the era of disruption increases competition among financial institutions, making maintaining member loyalty a significant challenge for Baitul Maal wat Tamwil (BMT). This study aims to analyze the influence of trust and social relationships on the loyalty of members of BMT NU Mangaran Branch. The study used a quantitative approach with a survey method of 30 active members selected using a purposive sampling technique. Data were collected through a four-point Likert scale questionnaire and analyzed using multiple linear regression tests, t-tests, F-tests, and the coefficient of determination (R²). The results showed that trust had a positive and significant effect on member loyalty (t = 3.287; p = 0.003), as did social relationships which also had a positive and significant effect (t = 3.254; p = 0.003). Simultaneously, both variables have a significant effect on member loyalty based on the results of the F test. The coefficient of determination (R²) value of [fill in according to the research results, for example 0.68 or 68%] indicates that trust and social relationships are able to explain [68%] of the variation in member loyalty, while the rest is influenced by other factors outside the research model. This finding indicates that strengthening trust and community-based social relationships is an effective strategy to increase member loyalty while reducing their tendency to move to other financial institutions.
Co-Authors Adinda Fitri Firdaus Nadiaatul Khoir