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Evaluating Environmental Sustainability Practices in Bank Syariah Indonesia Febiola, Vani; Iqbal Fasa, Muhammad; Suharto, Suharto
Econetica: Jurnal Sosial, Ekonomi, dan Bisnis Vol 5 No 1 (2023): Mei 2023
Publisher : Program Studi Ekonomi Islam Fakultas Ekonomi Universitas Nahdlatul UlamaNusa Tenggara Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69503/econetica.v5i1.361

Abstract

This study explores the implementation of green banking practices in Bank Syariah Indonesia(BSI) through the lens of Islamic economic ethics and sustainable finance principles. Theresearch seeks to understand how Islamic banking institutions integrate environmentalresponsibility within their financial operations, investment decisions, and corporate governancestructures. Using a qualitative descriptive approach, data were collected throughdocumentation, literature review, and secondary reports from regulatory authorities and BSI’ssustainability publications. The findings indicate that BSI has adopted various environmentallyconscious initiatives such as green financing, paperless transactions, and eco-efficientinfrastructure. However, the implementation remains partially instrumental, focusing more onregulatory compliance than on transformative commitment to sustainability. From an Islamicperspective, these efforts resonate with the principles of Maqashid al-Syari’ah—particularly thepreservation of life (hifz al-nafs) and wealth (hifz al-mal)—but require deeperinstitutionalization through strategic alignment with the Sustainable Development Goals (SDGs)and Islamic Environmental Governance. The study contributes to the growing discourse onIslamic sustainable finance by emphasizing that true green banking must embody not onlyenvironmental prudence but also spiritual accountability and social justice.
Pengaruh Kepuasan Nasabah Terhadap Loyalitas Nasabah Pengguna Produk Tabungan Easy Wadiah Pada PT. Bank Syariah Indonesia Tahun 2022 Febiola, Vani; Iqbal Fasa, Muhammad; Suharto, Prof
Jurnal Akuntansi, Manajemen, Bisnis dan Teknologi Vol 3 No 1 (2023): Jurnal Akuntansi, Manajemen, Bisnis dan Teknologi - Edisi Februari 2023
Publisher : Sekolah Tinggi Ilmu Ekonomi Mahaputra Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56870/ambitek.v3i1.73

Abstract

The development of the banking world in Indonesia is very fast, dynamic and modern, both in terms of the variety of banking products as well as the quality of service and technology owned. Banking is increasingly dominating the economic and business development of a country, not only in developed countries but also in developing countries. The role of banks in the service sector has a very important role in improving service quality and satisfaction for its customers. For this reason, banking management can understand the factors that affect service quality. Islamic banks are financial institutions whose main business is to provide financing and other services in payment traffic and money circulation, whose operations are adjusted to the principles of Islamic law, namely based on the Qur'an and Hadith. , Bank Syariah Indonesia (IDX: BRIS; abbreviated BSI) is a bank in Indonesia that is engaged in Islamic banking. This bank is the result of the merger of Bank Syariah Mandiri, BNI Syariah, and BRIsyariah into one. Bank Syariah Indonesia became a sharia bank owned by HIMBARA (State-Owned Bank Association) with majority (controlling) shares held by Bank Mandiri, so it is considered a subsidiary company in the Mandiri Group.Islamic banks, especially Indonesian Islamic banks, have several superior products, one of which is sharia savings products. In sharia savings, Bank BSI has 2 types of contracts that can be chosen, namely by using wadiah and mudharabah contracts. Wadiah is an activity that includes the safekeeping of goods which is carried out between parties who want to do safekeeping and those who have the power to do safekeeping and gain trust with the aim of maintaining the safety, security, and integrity of the goods or money. Meanwhile, mudharabah is a form of cooperation agreement between the owner of the property and the manager of the property or mudharib. The owner of the property surrenders his property to another party for business. If it is profitable, the profits are divided between the owner of the property and the property manager in accordance with the agreement at the beginning of the agreement. The method used in this problem is descriptive method and associative method.. The results of this study are that there is a positive and quite strong influence between Customer Satisfaction and Customer Loyalty in the Easy Wadiah Savings product of PT. Indonesian Islamic Bank with a correlation value of (+) 0.503. This means that the higher the customer satisfaction, the higher the customer loyalty.