Analisis Implementasi Green Financing Dan Kinerja Keuangan Terhadap Profitabilitas Perbankan Umum Di Indonesia

Abstract

Green Financing (Pembiayaan hijau) mengacu pada investasi dan proyek ramah lingkungan yang membahas keberlanjutan. Saat ini penggunaan tekhnologi yang berlebihan telah memberikan tantangan berat bagi perekonomian di seluruh dunia. Perekonomi menghadapi dua masalah signifikan; dampak lingkungan dan urgensi uang. Jadi, perlu pembiayaan untuk mengatasi dua tantangan yang mengkhawatirkan yang jika tidak dapat berubah dari buruk akan menjadi lebih buruk. Berdasarkan hal ini, keuangan hijau dianggap sebagai solusi untuk degradasi lingkungan. Perbankan memiliki peran penting dalam pembiayaan. Profitabilitas perbankan menjadi nilai bagi masyarakat untuk melakukan pembiayan atau pendanaan dalam perbankan. Nilai Profitabilitas dilihat dari rasio kinerja keuangan perbankan. Penelitian ini menggunakan metode kuantitatif dengan analisis Poled Least Square (PLS). Obyek penelitian ini adalah Perbankan Syariah di Indonesia periode 2016-2020 menunjukkan hasil bahwa variabel Green Financing tidak berpengaruh terhadap Return on Asset (ROA). Penerapan green finance belum memiliki dampak positif bagi keuntungan perusahaan karena penerapan pelaporan green financing pada perbankan syariah baru dimulai pada tahun 2018. Biaya Operasional Pendapatan Operasional (BOPO) dan Non Performing Financing (NPF) berpengaruh terhadap ROA Return on Asset (ROA). Sedangkan variabel Capital Adequacy Ratio (CAR) dan Non Performing Loan (NPL) tidak berepengaruh. Perbankan harus menjaga rasio BOPO dan NPF tetap minim agar tidak terjadi pembiayaan macet yang dapat menurunkan profitabilitas

The Effect of Efficiency, Capital Adequacy and Liquidity on the Financial Performance of Commercial Banks in Indonesia with Foreign Share Ownership as Moderator

“…The results of this study are in line with previous research which suggests that the CAR ratio does not have a significant impact / influence on banking financial performance as measured by return on assets. (Chandra & Anggraini, 2020;Hasanah & Hariyono, 2022;Rokhayati et al, 2020;Usman & Lestari, 2019;Widyarini & Santoso Marsoem, 2021) As for LDR, the Prob value is 0.2185 or greater than the alpha value of 0.05 so it is obtained that LDR has no significant effect on financial performance (ROA). The analysis results show that liquidity proxied by the LDR ratio has no significant effect on financial performance (ROA) with the observation period 2017 to 2022.…”

“…However, there are also research results that find that the CAR ratio has no effect on banking financial performance. (Chandra & Anggraini, 2020;Hasanah & Hariyono, 2022;Rokhayati, Cahyo, & Mulwati, 2020;Usman & Lestari, 2019;Widyarini & Santoso Marsoem, 2021). In addition, there are also research results that show that the CAR ratio has a negative effect on financial performance (Abdurrohman, Fitrianingsih, Salam, & Putri, 2020;Anggraini, Nita Aryani, Budi Prasetyo, & Malang Kucecwara, 2020;Barasa & Hikmah, 2021) Furthermore, to increase profitability, banks make efficiency on the company's operating costs.…”

“…Research conducted by Cuandra & Setiawan, (2020); Hidayat & Kurniasih, (2022) ;Purnamasari, (2020); Widyarini & Santoso Marsoem, (2021); Yulianto et al, (2020); Yusuf & Ichsan, (2021) found that the BOPO ratio has a significant negative effect on bank financial performance. However, there are also research results that find that the BOPO ratio has a significant positive effect on bank financial performance (Chandra & Anggraini, 2020;Hasanah & Hariyono, 2022;Parenrengi & Hendratni, 2018;Susilowati & Tiningrum, 2019). Meanwhile, according to Rembet & Baramuli (2020); Rohimah, (2021); Siagian et al, (2021), the BOPO ratio has no effect on bank performance.…”

Impact of Green Banking Implementation, Financial Performance, and Covid-19 Crisis on Islamic Bank Profitability in Indonesia

“…SDGs are also government policies that apply to all countries so that they are universal or comprehensive, including 1) No poverty; 2) Zero hunger; 3) Good health and well-being; 4) Quality education; 5) Gender equality; 6) Clean water and sanitation; 7) Affordable and clean energy; 8) Decent work and economic growth; 9) Industry, innovation, and infrastructure; 10) Reduced inequalities; 11) Sustainable cities and communities; 12) Responsible consumption and production; 13) Climate action; 14) Life below water; 15) Life on land; 16) Peace, justice, and strong institutions, and 17) Partnerships for the goals (UNDP, 2021). Therefore, a banking system is needed to support increasing the number of investments in low-carbon production and energy efficiency as well as other environmentally sound projects (Hasanah & Hariyono, 2022). The banking system plays a crucial role in achieving this goal by implementing the concept of green banking (Gunawan et al, 2022).…”

“…51 of 2017 concerning the Implementation of Sustainable Finance for Financial Services Institutions, Issuers, and Public Companies aimed at clarifying the implementation of sustainable finance in Indonesia. The POJK also encourages establishing a contributive and inclusive financial service system to provide sustainable development funding (Hasanah & Hariyono, 2022).…”