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Fangky A. Sorongan
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Journal of Business, Finance, and Banking
Published by Institut Keuangan-Perbankan dan Informatika Asia Perbanas
ISSN : -     EISSN : 31097103     DOI : https://doi.org/10.56174/jbfb.v1i1
Core Subject : Economy, Science, Education, Social,
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other
The Journal of Business, Finance, and Banking (JBFB) is a scientific journal published by the Perbanas Institute in collaboration with the Indonesian Chamber of Commerce and Industry (KADIN). JBFB is dedicated to providing a platform for academics and practitioners to publish their quantitative and qualitative research findings in the fields of economics, business, finance, and banking. The journal is published biannually in July and January. The journal’s editors welcome empirical research articles and scholarly reviews. JBFB prioritizes the consistency and quality of scholarly work to advance knowledge and practice in economics, business, finance, and banking.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 14 Documents
 1   2 
Integration of Sustainable Finance in KBMI 4 State-Owned Banks in Indonesia R. Hermawan, Hardy; Marmen, Jerry; A. Sorongan, Fangky
Journal of Business, Finance, and Banking Vol. 2 No. 1 (2026): Journal of Business, Finance, and Banking (JBFB)
Publisher : Institut Keuangan-Perbankan Dan Informatika Asia Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56174/jbfb.v2i1.1078

Abstract

The Indonesian banking industry faces demands to integrate environmental, social, and governance (ESG) principles in line with OJK regulations and the Sustainable Finance Taxonomy. This study analyzes the implementation of sustainable finance at three state-owned banks in KBMI category 4—Bank Mandiri, BRI, and BNI—during the 2022–2024 period. The method used is content analysis of sustainability reports, quantified using content analysis scoring based on GRI indicators and OJK regulations. The results show that Bank Mandiri excels in green financing, BRI excels in microfinance inclusion, and BNI plays a role as a development agent. Disclosure scores range from 70–77 percent, reflecting formal compliance but suboptimal in depth, transparency, and impact measurement. Theoretical analysis using Sustainable Finance Disclosure Theory, Greenwashing Typology, and the ESG Integration Maturity Model indicates that regulatory pressures, market expectations, and reputational demands influence the quality of ESG reporting. All three banks are still in the transition stage from compliance to impact-based integration. External verification, consistency of quantitative indicators, and measurement of tangible results are required so that sustainability reporting functions not merely as a normative obligation, but as an instrument of strategic legitimacy and ongoing accountability.
Environmental Sustainability and Business Feasibility of Digital Platforms: A Sharia-Based Approach Kaban, Reny Fitriana; Amelia Yupita, Natasya; Tsalisa Karim, Najwa
Journal of Business, Finance, and Banking Vol. 2 No. 1 (2026): Journal of Business, Finance, and Banking (JBFB)
Publisher : Institut Keuangan-Perbankan Dan Informatika Asia Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56174/jbfb.v2i1.1159

Abstract

The rapid expansion of digital platform ecosystems has played a crucial role in promoting economic inclusion and innovation, particularly in emerging economies. However, this growth has also generated significant environmental challenges that are often overlooked in conventional business feasibility assessments. This study aims to analyze the environmental impacts of PT GoTo Gojek Tokopedia Tbk (GoTo) and to evaluate its business feasibility through an integrated sharia-based perspective. Methods: This research employs a qualitative descriptive approach by integrating Environmental Impact Assessment (AMDAL), SWOT analysis, and maqashid shariah as a normative ethical framework. Data were collected from GoTo’s annual and sustainability reports, regulatory documents, and relevant national and international scholarly literature. The findings indicate that GoTo demonstrates strong economic feasibility through job creation, financial inclusion, and MSME empowerment, reflecting the fulfillment of maslahah and hifz al-mal. Nevertheless, substantial environmental challenges persist, particularly related to transportation emissions, energy-intensive digital infrastructure, and packaging waste, indicating limited fulfillment of hifz al-bi’ah. The study concludes that integrating environmental sustainability into core business strategies and aligning corporate decision-making with maqashid al-shariah principles are essential to ensure the long-term feasibility and ethical legitimacy of digital platform businesses.
What Drives Customer Intention in Digital Banking? Evidence from Trust, Security Risk, and Technological Innovation Cahaya, Yohanes Ferry; Dhika Mahendra, Alloysius Pamurda; Pujiati, Herni; Armanda, Ilham Nawang
Journal of Business, Finance, and Banking Vol. 2 No. 1 (2026): Journal of Business, Finance, and Banking (JBFB)
Publisher : Institut Keuangan-Perbankan Dan Informatika Asia Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56174/jbfb.v2i1.1160

Abstract

This study examines the determinants of digital banking adoption intention among Book IV bank customers in Indonesia, focusing on the interplay between trust, security risks, and technological innovation. Using Smart PLS-SEM with data from 385 respondents, we investigate how technological innovation influences customer trust and perceived security risks, which subsequently affect digital banking usage intention. Results reveal that technological innovation significantly enhances trust while reducing security risk perceptions. Trust emerges as the strongest predictor of digital banking intention, while security risks negatively impact adoption. The study contributes theoretical insights into technology acceptance in emerging markets and provides practical implications for banks developing digital transformation strategies in competitive environments.
Policy Recommendations for Enhancing Sustainable Performance in Banking Through Leveraging FinTech Mercurius Broto Legowo; Raka Fahlevi; Sorongan, Fangky A.; Nguyễn Kim Thanh
Journal of Business, Finance, and Banking Vol. 2 No. 1 (2026): Journal of Business, Finance, and Banking (JBFB)
Publisher : Institut Keuangan-Perbankan Dan Informatika Asia Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56174/jbfb.v2i1.1161

Abstract

The emergence and acceleration of technology innovation and digitalization in the financial system are increasingly being developed nowadays, especially in the banking and financial sectors. One of them is financial technology, known as FinTech, which increased sustainable business performance in banking. However, it turns out that this synergy and collaboration between banking and fintech has given rise to new problems in the banking and financial system for financial and banking regulators, especially regulatory issues and their implementation. The objective of this study is to formulate policy recommendations for strategies that enhance sustainable performance in the banking sector through leveraging financial technology. For developing policy recommendations, this study uses a mixed-method research approach, which can provide credible research results. The final empirical research results developed a strategic map to inform policy recommendations for sustainable performance improvement strategies in the banking sector for leveraging FinTech. The novelty of this study lies in its application of a mixed-methods approach to formulate policy recommendations for leveraging fintech in enhancing sustainable banking performance. The findings of this study make a significant contribution to the formulation of policy recommendations for Indonesia’s financial regulators, namely Bank Indonesia and the Financial Services Authority.

Page 2 of 2 | Total Record : 14

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