Populer: Jurnal Penelitian Mahasiswa
Vol. 4 No. 4 (2025): Jurnal Penelitian Mahasiswa

Analisis Implementasi Green Finance dan Kinerja Keuangan dalam Meningkatkan Profitabilitas Bank Umum Konvensional di Indonesia Periode 2020-2024

Lailatus Sa’adah (Universitas Kh. A. Wahab Hasbullah)
Lilik Puji Lestari (Universitas Kh. A. Wahab Hasbullah)
Friska Devita Sari (Universitas Kh. A. Wahab Hasbullah)
Ahmad Ardi Hamzah (Universitas Kh. A. Wahab Hasbullah)
Brian Dickson Argatumewa (Universitas Kh. A. Wahab Hasbullah)



Article Info

Publish Date
31 Dec 2025

Abstract

This study aims to provide a comprehensive overview of the implementation of green finance and its relationship with the financial performance and profitability of banking institutions in Indonesia. Although sustainable finance policies have been continuously strengthened by regulators and stakeholders, the contribution of green financing to overall banking performance is still developing gradually, making it important to conduct a more focused and systematic analysis of its effectiveness. This research specifically aims to describe the application of green financing practices, assess financial performance conditions, and analyze bank profitability during the 2020–2024 period. The study employs a descriptive quantitative approach using secondary data on green financing distribution, financial performance indicators such as the Capital Adequacy Ratio (CAR), Non-Performing Loans (NPL), and Loan to Deposit Ratio (LDR), as well as profitability measured through Return on Assets (ROA). The findings indicate that the implementation of green finance has the potential to enhance long-term financial stability and improve profitability in the banking sector. This study implies that expanding green financing can serve as a relevant and sustainable business strategy for the banking industry while simultaneously supporting national sustainability and environmental development objectives.

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Journal Info

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Populer

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Subject

Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Social Sciences Other

Description

Populer: Jurnal Penelitian Mahasiswa ini terbit 1 tahun 4 kali (Maret, Juni September dan Desember). Karya yang diterbitkan merupakan suatu hasil penelitian orisinil atau tinjauan Pustaka yang ditulis oleh mahasiswa. Ruang lingkup karya yang diterbitkan mencakup Multidisiplin diantaranya yaitu: Ilmu ...