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Analisis Integrasi Etika Bisnis Islam Dalam Implementasi Green Financing dan Sustainable Banking Pada Bank Syariah Indonesia

Vol. 5 No. 03 (2026): AT TARIIZ : JURNAL EKONOMI DAN BISNIS ISLAM:

Siti Maghfiroh (1), Saiful Ansori (2), Ryan Fahmi Hikmat (3)

(1) Universitas Islam Negeri Profesor Kiai Haji Saifuddin Zuhri Purwokerto, Indonesia
(2) Universitas Islam Negeri Siber Syekh Nurjati Cirebon, Indonesia
(3) Universitas Islam Negeri Profesor Kiai Haji Saifuddin Zuhri Purwokerto, Indonesia
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Abstract:

This study aims to analyze the integration of Islamic business ethics in the implementation of green financing and sustainable banking at Bank Syariah Indonesia (BSI). The research employs a qualitative approach using library research. Data were collected from official BSI documents, including Sustainability Reports and Annual Reports, as well as academic literature and relevant regulations on sustainable finance. Data analysis was conducted through content analysis by linking Islamic business ethics principles justice, trust (amanah), public benefit (maslahah), and the prohibition of harm to banking sustainability practices. The findings indicate that BSI has integrated Islamic ethical values into green financing and sustainable banking through environmentally friendly financing, green MSME empowerment, and the application of ESG principles. Nevertheless, this integration still faces challenges, particularly a tendency toward legalistic compliance and the need to strengthen substantive ethical implementation beyond regulatory fulfillment.

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