Green Banking in Sharia Banking: A Comprehensive Study of Environmentally Friendly Policies and Practices to Support Green Economy

Abstract

This study aims to examine green banking policies and practices in Islamic banking as a means of supporting the implementation of a green economy at Bank Syariah Indonesia (BSI) and BPRS Mandiri Mitra Sukses Gresik. This study employed a descriptive qualitative method, utilizing data collection techniques that included in-depth interviews, observation, and documentation. The results of the study indicated that both institutions have implemented several environmentally friendly initiatives, including the digitalization of services to reduce paper usage, energy-saving policies, and the financing of green sectors such as agribusiness. However, the implementation of green banking in Islamic banking still faces challenges, including limited written regulations, uneven environmental awareness among customers, and a need to enhance digital literacy. This study also proposed a systematic implementation model known as the G-Syariah Framework, which integrated Islamic values, digital technology, environmentally friendly financing, ecological education, and internal governance.