Sharia Economic and Management Business Journal (SEMBJ)
Vol. 7 No. 2 (2026): Sharia Economic and Management Business

Moderating Effect of Religiosity on Islamic Green Banking Interest as a Supporting Factor for Sustainable Finance

Fauzani (Institut Agama Islam Abuya Salek Sarolangun)
Anisah (Institut Agama Islam Abuya Salek Sarolangun)
Yeni Oktaviani (Universitas Islam Negeri Batusangkar)



Article Info

Publish Date
22 Jun 2026

Abstract

Background: Sustainable finance has gained global attention, with ESG principles becoming increasingly important in the Islamic banking sector. However, public ESG literacy and bank reputation remain limited, influencing interest in Islamic green banking. This study analyzes the influence of ESG literacy and bank reputation on interest in Sharia green banking, with religiosity as a moderating variable. Method: This quantitative study employed a moderated regression analysis (MRA) using SPSS to test both direct and moderating effects. Data were collected through questionnaires distributed to 200 respondents selected via purposive sampling in Sarolangun Regency, with criteria of being at least 18 years old, aware of Islamic banks, and familiar with sustainability or green banking issues. Results: The findings indicate that ESG literacy and bank reputation have a positive and significant influence on interest in Sharia green banking, both partially and simultaneously. The t-test results show ESG literacy (t=2.283, p=0.023) and bank reputation (t=2.521, p=0.036) significantly affect interest. The F-test confirms joint significance (F=23.061, p=0.000). Religiosity was found to amplify the influence of both ESG literacy (p=0.021) and bank reputation (p=0.011) on interest. The adjusted R² value of 0.354 indicates that the independent variables explain 35.4% of the variation in interest. Conclusion: ESG literacy and bank reputation positively influence interest in Islamic green banking, with religiosity strengthening this relationship. These findings provide an empirical basis for strengthening Islamic banks' educational and reputational strategies to encourage public participation in a just and sustainable green economy.

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Journal Info

Abbrev

sembj

Publisher

Subject

Religion Agriculture, Biological Sciences & Forestry Computer Science & IT Economics, Econometrics & Finance Education Other

Description

SEMB-J, sharia economic and management business journal is peer-reviewed journal published by Yayasan Darussalam Bengkulu. SEMB-J focus on the research of sharia economic and management business. The aim of this journal is to explore and develop economic management related to islamic and business. ...