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All Journal Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Jurnal Ekonomi & Studi Pembangunan Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam International Journal Of Science, Technology & Management (IJSTM) Journal of Waqf and Islamic Economic Philanthropy Jurnal Ekonomi, Manajemen, Akuntansi
Sobar M. Johari
Universitas Muhammadiyah Yogyakarta
Aerospace Engineering Agriculture, Biological Sciences & Forestry Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Industrial & Manufacturing Engineering Mechanical Engineering Social Sciences Transportation

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Journal : International Journal Of Science, Technology

 1 
Green Banking In Sharia Banking: Initiation And Implementation Review M. Johari, Sobar; Al-Qurratun Ainiyah, Dhina
International Journal of Science, Technology & Management Vol. 6 No. 3 (2025): May 2025
Publisher : Publisher Cv. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46729/ijstm.v6i3.1286

Abstract

This study aims to determine the initiation and implementation of green banking in relation to the influence of social, environmental, economic, human resources (HR), and ethics, on the initiation and implementation of green banking. This study was conducted by analyzing the results of interviews and questionnaires with 66 policy actors in Islamic banking in Islamic banking in the DIY Province. This study was analyzed using a descriptive quantitative method, in testing the hypothesis using multiple regression. The results of the study indicate that the highest initiation and implementation of green banking in Islamic banking in the Special Region of Yogyakarta (DIY) Province is in the economic aspect, this allows the implementation to still consider the profit and loss aspects in its implementation. While in the HR aspect it is the lowest, so it is still difficult to develop the totality of implementation and become serious homework for Islamic banking in Indonesia.
The Effectiveness Of Islamic Banking Financing In Enhancing Economic Growth In Sumenep Regency M. Johari, Sobar; Andrian Bungas, Ihzan
International Journal of Science, Technology & Management Vol. 6 No. 3 (2025): May 2025
Publisher : Publisher Cv. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46729/ijstm.v6i3.1298

Abstract

This study investigates the effectiveness of Islamic banking financing in enhancing economic growth in Sumenep Regency. Islamic banking plays a significant role in providing Sharia-compliant financing solutions, especially for Small and Medium Enterprises (SMEs) that form the backbone of the local economy. The research employs a mixed-methods approach combining quantitative and qualitative data collected from Islamic banking institutions and regional economic statistics between 2018 and 2023. Quantitative analysis utilizes multiple regression models to measure the impact of Islamic financing schemes, such as Mudharabah and Musyarakah, on the growth of SMEs and Gross Regional Domestic Product (GRDP) in Sumenep. Qualitative data from interviews with banking officials and SME entrepreneurs provide insights into factors that enhance financing effectiveness, including trust, compliance with Islamic economic principles, and accessibility of capital. The findings indicate that Islamic banking financing significantly contributes to economic growth by supporting SME development, improving income levels, and fostering sustainable business practices. However, challenges such as limited human resources and regulatory constraints are identified as barriers to maximizing financing potential. The study concludes that optimizing Islamic banking products and strengthening institutional support can further accelerate economic growth in the region. This research provides valuable implications for policymakers, banking institutions, and stakeholders seeking to leverage Islamic finance as a tool for regional economic development.
Co-Authors Adhitya Wardhana Al-Qurratun Ainiyah, Dhina Andrian Bungas, Ihzan Dewi Larasati Eko Hariyadi Muljarijadi, Bagja Nurias, Nurias Ramadhania, Sabrina Ayu Sabrina Ayu Ramadhania