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All Journal Jurnal Kewirausahaan dan Bisnis Jurnal Manajemen Perbankan Keuangan Nitro
Muzammil, Rozina
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Economics, Econometrics & Finance Social Sciences

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INTEGRATING TNFD INTO GREEN FINANCE TO SUPPORT AN INCLUSIVE AND SUSTAINABLE ECONOMIC TRANSFORMATION IN SUMATRA Khulsum, Umi; Utami, Pertiwi; Risna, Meilia; Zuhriyah, Nur azizah; Muzammil, Rozina
Jurnal Manajemen Perbankan Keuangan Nitro Vol. 1 No. 3 (2025): Vol. 1 No. 3 (2025): Special Volume for International Collaboration
Publisher : LP2M IBK Nitro

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Abstract

This study analyzes the potential implementation of the Taskforce on Nature-related Financial Disclosures (TNFD) to strengthen green finance and sustainable economic transformation in Sumatra. The research background includes the global economic crisis, post-pandemic recovery gaps, and the need for transparency in Green Finance. This study uses a qualitative approach and policy review based on secondary data from Bank Indonesia, Statistics Indonesia (BPS), the Ministry of Finance, the Financial Services Authority (OJK), and TNFD documents. The results show that the success of TNFD implementation in Sumatra is strongly influenced by the synergy of monetary, fiscal, and macroprudential policies as well as the readiness of financial institutions to adopt nature risk disclosure. Strategic sectors such as food, renewable energy, and downstreaming have significant potential to become models for TNFD implementation through digital reporting. This study recommends the development of a TNFD integration roadmap, strengthening of the national data center, and green finance incentives to attract green investment. These findings contribute to the green finance literature and provide policy implications for inclusive and sustainable economic growth in the region.
The Policy Role of Bank Syariah Indonesia for MSMEs Sector in Community Economic Empowerment Habibi, Ahmad; Utami, Pertiwi; Muzammil, Rozina; Nasor, Muhammad
Jurnal Kewirausahaan dan Bisnis Vol 28, No 1 (2023): June
Publisher : Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/jkb.v28i1.67178

Abstract

The people's economy can be improved through the micro business sector. The issue of the role of Bank Syariah Indonesia (BSI) as a competent Islamic bank is a new hope for these business actors. Unfortunately, previous studies have not disclosed in depth the programs and policies of BSI after the merger. This study aims to determine the policy of Islamic banking toward the micro-business sector to empower the community's economy. The study was conducted on Bank Syariah Mandiri (BSM), which merged with two other large Islamic banks, Bank Rakyat Indonesia Syariah (BRI Syariah) and Bank Negara Indonesia Syariah (BNI Syariah), and became BSI. The research design used a qualitative approach with data collection techniques in interviews, observation, and documentation. BSI is a bank that collects and distributes funds to the public based on sharia principles. The findings show that BSI maintained its reputation as a competent Islamic bank in community empowerment efforts. This is evidenced by the inclusion of BSI in the Forbes list of The World's Best Banks 2021 because it has met the criteria for trust, terms and conditions, customer services, digital services, and financial advice. Although it has merged with two other Islamic banks, BSM continues to use the same system as before, except for some adjustments related to product policies regarding costs, benefits, and margin provisions by applicable regulations. Community empowerment through Micro Business products refers to Law Number 21 of 2008 concerning Islamic Banking. In its development, to support the community's economy, BSI carries out a sustainable finance agendavillage economic programs, food security, sociopreneur scholarships, and siding with MSMEs.Keywords: Bank Syariah Indonesia; policy; MSMEs
Co-Authors ahmad habibi Khulsum, Umi Muhammad Nasor, Muhammad Risna, Meilia Utami, pertiwi Zuhriyah, Nur Azizah