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All Journal Federalisme : Jurnal Kajian Hukum Dan Ilmu Komunikasi Unifikasi : Jurnal Ilmu Hukum
Dendi Marcello
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Environmental Science Law, Crime, Criminology & Criminal Justice

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Challenges of Implementing Corporate Social Responsibility (CSR) and Sustainable Finance in Financing Companies Pertiwi, Kartika Eka; Dendi Marcello
Unifikasi: Jurnal Ilmu Hukum Vol. 12 No. 01 (2025)
Publisher : Universitas Kuningan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25134/unifikasi.v12i01.1176

Abstract

This study aims to thoroughly analyze the role of Corporate Social Responsibility (CSR) Regulations in Financing Companies and examine the Implementation of CSR Fund Allocation by these ventures. The exploraion  also aims to comprehensively investigate the Implementation of CSR and Sustainable Finance at PT BNI Finance in the Context of Sustainable Development Goals (SDGs). In order to achieve the stated objectives, a socio-legal study approach based on previous explorations on various disciplines such as tax, economics, and law was adopted. Accordingly, this investigation utilized primary data obtained through interviews and observations, and secondary data gathered from regulations, journals, and reports. The obtained results showed that CSR was an obligation regulated in the Law on Limited Liability Companies and Financial Services Authority Regulation (FSAR/POJK) on the Implementation of Sustainable Finance for Financial Services Institutions, Issuers, and Public Companies. This obligation applies to PT BNI Finance due to the indirect environmental impact of the main business activity, namely vehicle financing. However, a significant discrepancy was found between the planned CSR fund allocation of IDR 65 million in the Sustainable Finance Action Plan and the actual realization of IDR 28.4 million in 2023. Based on the observations made, approximately 66.7% of the implemented programs were philanthropic and not optimally integrated with sustainable finance principles or SDGs. In essence, an inference was made that the implementation of CSR at PT BNI Finance was not optimal, particularly due to the general nature of existing regulations and the absence of specific technical guidelines.
Potensi dan Dampak Kebijakan Wajib Spin-off terhadap Unit Usaha Syariah dalam Sektor Perbankan Muhammad Riadi Setiawan; Dendi Marcello
Federalisme: Jurnal Kajian Hukum dan Ilmu Komunikasi Vol. 3 No. 1 (2026): Februari: Federalisme : Jurnal Kajian Hukum dan Ilmu Komunikasi
Publisher : Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/federalisme.v3i1.1506

Abstract

Banks are financial institutions that play a very important role in the economy and continue to innovate by developing various new forms and services. Spin-offs of Sharia Business Units (UUS) are a new method in the world of Islamic banking with the aim of becoming independent Islamic banks in conducting business activities based on sharia principles. The spin-off of the SBU is one of the main focuses of Law Number 4 of 2023 concerning the Development and Strengthening of the Financial Sector. Furthermore, referring to the provisions in Financial Services Authority Regulation Number 12 of 2023 concerning Sharia Business Units, conventional banks can carry out banking activities in accordance with sharia principles by being required to open an SBU. This shows that the UUS is a unit that remains part of the conventional bank, and the provisions governing its activities, even though they are carried out by conventional banks, must still follow sharia principles, including prohibiting interest-based transactions. This study shows that spin-offs of UUS have great potential to drive the growth of Islamic banking. A spin-off is a company's decision to restructure, which has various legal implications. Although spin-offs of Islamic banks have the potential to improve the performance of Islamic banking, government policies that require spin-offs without considering the specific context of each bank can hinder the development of this sector. The implementation of mandatory spin-off policies needs to be balanced with more comprehensive government policy support.
Co-Authors Muhammad Riadi Setiawan Pertiwi, Kartika Eka