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All Journal Al-bank: Journal of Islamic Banking and Finance
Elfadhli Elfadhli
Universitas Islam Negeri Mahmud Yunus Batusangkar
Religion Economics, Econometrics & Finance Social Sciences

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Praktik Green Financing pada Bank Pembiayaan Rakyat Syariah: Pendekatan Sustainability Accounting Standards Board Elfadhli Elfadhli; Gampito Gampito; Revi Candra; Sri Madona Saleh; Lili Ramahdani
Al-bank: Journal of Islamic Banking and Finance Vol. 6 No. 1 (2026): January - June 2026
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v6i1.16571

Abstract

This study examines the implementation of Green Financing in Islamic Rural Bank in West Sumatra using the Sustainable Accounting Standards Board (SASB) Index as an analytical framework. A descriptive qualitative approach was employed, utilizing interviews and surveys to evaluate Environmental, Social, and Governance (ESG) dimensions. The findings indicate that environmental initiatives have been initiated; however, their implementation remains informal and lacks systematic documentation. In contrast, the social dimension demonstrates a strong commitment to employee welfare and community empowerment, reflecting the social objectives inherent in Sharia banking principles. Meanwhile, the governance dimension shows that environmental risk considerations have been partially integrated into standard operating procedures (SOP), aligned with Sharia compliance requirements. Overall, the results suggest that while Islamic Rural Bank practices are generally consistent with basic SASB standards, the absence of comprehensive written policies and standardized reporting mechanisms limits the effectiveness and sustainability of green financing implementation. This study highlights the need for formalized governance structures and documented environmental policies to strengthen sustainable finance practices within Islamic rural banking institutions
Behavioral Intention Mahasiswa dalam Menggunakan QRIS Sebagai Alat Pembayaran Digital Dengan Pendekatan UTAUT 2 Rotzami Rotzami; Elfadhli Elfadhli; Izzati Tiara Ramadhani; Fatimah Setia Wardhani; Revi Candra
Al-bank: Journal of Islamic Banking and Finance Vol. 6 No. 2 (2026): July - Desember 2026
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v6i2.16659

Abstract

The research aims to determine the behavioral intention of students in using QRIS as a digital payment tool with the UTAUT 2 approach. The type of research used is field research with quantitative methods. The data collection technique used is a questionnaire by distributing questionnaires via google form to respondents. Sampling was 82 respondents who used QRIS from 119 students who became the population determined by purposive sampling technique. The results showed that partially, hedonic motivation and habit affect students' behavioral intention in using QRIS, while performance expectancy, effort expectancy, social influence, facilitating conditions, and price value have no effect on students' behavioral intention in using QRIS. Simultaneously, the variables of performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, price value, and habit affect the behavioral intention of students in using QRIS as a digital payment tool with an influence level of 78.9%
Co-Authors Fatimah Setia Wardhani Gampito Gampito Izzati Tiara Ramadhani Lili Ramahdani Revi Candra Revi Candra Rotzami Rotzami Sri Madona Saleh