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All Journal Proceeding of National Conference on Accounting & Finance Riset Akuntansi dan Keuangan Indonesia
Furqan, Ahmad Maslahatul
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Economics, Econometrics & Finance

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Determinants of Green Credit and Their Influence on Banking Profitability in Indonesia Sutrisno; Furqan, Ahmad Maslahatul
Riset Akuntansi dan Keuangan Indonesia Vol. 9 No. 1 (2024): Riset Akuntansi dan Keuangan Indonesia
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/reaksi.v9i1.3906

Abstract

Green finance involves efforts to internalize environmental externalities and adjust risk perceptions to encourage environmentally friendly investments and reduce those that are harmful to the environment. One form of green financial support is the provision of green credit by banks. This research aims to test the effect of green credit on bank profitability, and test the effect of capital adequacy, operational efficiency, credit risk and bank size on bank profitability. This research also examines the influence of capital adequacy, operational efficiency, credit risk and bank size on green credit. The population in this study are banks operating in Indonesia with a sample of all banks that have a commitment to green credit. To test the hypothesis, use panel data regression analysis. After conducting a model test, the best model was obtained, namely the fixed effect model. The results of research using the fixed effect model show that green credit in Indonesia is not influenced by bank capital adequacy, bank operational efficiency, bank liquidity, bank credit risk, and bank size. However, green credit has a significant positive effect on bank profitability in Indonesia. Another result is capital adequacy, which has a positive effect on profitability, while operational efficiency and bank size have a significant and negative effect on profitability, while credit risk has no effect on profitability.
Determinan green credit dan pengaruhnya terhadap profitabilitas perbankan di Indonesia Furqan, Ahmad Maslahatul; Sutrisno, Sutrisno
Proceeding of National Conference on Accounting & Finance Volume 6, 2024
Publisher : Master Program in Accounting, Faculty of Economics, Universitas Islam Indonesia

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Abstract

Keuangan hijau atau berkelanjutan melibatkan upaya untuk menginternalisasi eksternalitas lingkungan dan menyesuaikan persepsi risiko untuk mendorong investasi ramah lingkungan dan mengurangi hal-hal berbahaya bagi lingkungan. Salah satu bentuk dukungan keuangan hijau adalah pemberian kredit hijau oleh perbankan. Bisnis kredit hijau saat ini telah sukses dijalankan pada beberapa negara seperti China. Di Indonesia, kredit hijau masih tergolong hal yang baru dan telah dikembangkan seiring terbentuknya kebijakan OJK untuk mendukung keuangan hijau. Penelitian ini mencoba memberikan wawasan terkait perkembangan kredit hijau di Indonesia. Penelitian ini bertujuan untuk mengetahui determinan kredit hijau dan pengaruhnya terhadap profitabilitas bank di Indonesia. Hasil penelitian menunjukkan bahwa kredit hijau di Indonesia tidak dipengaruhi oleh kecukupan modal bank, efisiensi operasional bank, likuiditas bank, kredit macet bank, serta ukuran bank. Namun kredit hijau yang dikeluarkan bank memiliki pengaruh signifikan terhadap profitabilitas bank di Indonesia.
Co-Authors SUTRISNO Sutrisno, Sutrisno