ANALISIS STRATEGI PEMBIAYAAN DALAM UPAYA OPTIMALISASI KONSEP GREEN FINANCE (Studi Kasus Pada Bank Rakyat Indonesia Syariah Kantor Cabang Malang)
DOI:
https://doi.org/10.30741/adv.v2i1.285Keywords:
Green Finance, Optimalisasi, Strategi Pembiayaan, Analisis SWOTAbstract
The concept of Green Finance (Triple Bottom Line), Profit, People and Planet which emphasized for optimization economic factors, attention to the sustainability of environmental factors. The community demanded that company follow concept of Green Finance to achieve environmental improvement balanced with economic development. Banks should apply concept of Green Finance to maintain environmental conditions. The purpose research is to know the application of Green Finance at Bank Rakyat Indonesia Syariah Branch Malang and optimize the existing Green Finance by using SWOT Analysis. This research use descriptive qualitative approach. Object of this study was taken at PT Rakyat Indonesia Syariah Branch Malang, uses research method, data reduction, data display, conclusion and verification. The results showed that implementation of Green Finance at Bank Rakyat Indonesia Syariah Branch Malang not only to improve the economic level of the customer, but also social awareness and environmental analysis with AMDAL. Bank Rakyat Indonesia Syariah Branch Malang have potential to became bank which to maintain economic and natural stability, and strive the needs of funds desired by customers. Bank Rakyat Indonesia Syariah Branch Malang optimize balancing aspects of people, the planet (environment), and profit (economy), in financing, Account Officers keep in providing financing comfort to customer
Downloads
References
Tahun 2008). Yogyakarta: Refika Aditama.
Asiyah, Binti Nur. 2015. Manajemen Pembiayaan Bank Syariah. Yogyakarta: Kalimedia.
Arikunto, Suharsimi. 2002. Prosedur Penelitian : Sebuah Pendekatan Praktek,ed 5. Jakarta: Rineka Citra.
Ascarya. 2015. Akad dan Produk Bank Syariah. Jakarta: PT Raja Grafindo Persada
Asy-Syafii', Imam Muhammad bin Idris. 1997. Al-Asybah Wan Nazhair. Mekah - Riyadh - Arab Saudi: Maktabah Nazzar Al-Baz.
Ayu, Andi Nurul Fadhilah dan Anityasari, Maria. Analisis Implementasi Green Banking pada PT. Bank X (Persero) Tbk. Jurnal Teknik Pomits Vol. 1, No. 1, (2013) 1-6.
Azwar, Saifuddin. 2007. Metode Penelitian. Yogyakarta: Pustaka Belajar.
Creswell, John W. 2015. Penelitian Kualitatif & Desain Riset Memilih Diantara Lima Pendekatan. Yogyakarta: Pustaka Pelajar
Chowdhury, Tasnim, dkk. Green finance Is Essential For Economic Development And Sustainability. International Journal Of Research In Commerce, Economics & Management. Volume No. 3 (2013), Issue No. 10 (October). ISSN 2231-4245.
Djamil, Faturrahman. 2012. Penyelesaian Pembiayaan Bermasalah di Bank Syariah. Jakarta: Sinar Grafika
Fadhilah, Andi Nurul dan Maria Anityasari. Analisis Green Banking pada PT BANK X (Persero) Tbk. Jurnal Teknik Pomits Vol. 1, No. 1, (2013) 1-6
Fandeli, Chafid. 2007. Analisis Mengenai Dampak Lingkungan Prinsip Dasar Dalam Pembangunan. Yogyakarta: Liberty Offset
Ginting, Perdana. 2007. Sistem Pengelolaan Lingkungan dan Limbah Industri. Bandung: Yrama Widya.
Goel, Priyanka. Green Finance: A Step Towards Sustainable Financial System. Abhinav International Monthly Refereed Journal of Research in Management & Technology. Volume 5, Issue 3 (March, 2016) ISSN-2320-0073.
Institute for Essential Services Reform (IESR). 2016. Laporan FGD Pangan dan Perubahan Iklim.
Kasmir. 2014. Manajemen Perbankan. Jakarta: PT. Raja Grafindo Persada
Keerthi. A Study on Emerging Green Finance in India: Its Challeges and Oppurtunities Research scholar, School of Commerce & International business. International Journal of Management and Social Sciences Research (IJMSSR) ISSN: 2319-4421 Volume 2, No. 2, February 2013
Lako, Andreas. 2014. Green Economy Menghijaukan Ekonomi, Bisnis, & Akuntansi. Jakarta: Erlangga. International Multidiciplinary E-Journal ISSN: 2277- 4262.
Masukujjaman, Mohammad, dkk. Bankers’ perception of Green Banking: Learning from the experience of Islamic banks in Bangladesh. GEOGRAFIA OnlineTM Malaysian Journal of Society and Space 12 issue 2 (144 – 153, Themed issue on contemporary financial, business, investment and entrepreneurial facets of Malaysia’s development © 2016, ISSN 2180-2491
Nagarjuna, Loluru. Green Financial Management Practices in the Public and Private sector Banks - a Case study of SBI & ICICI.
OJK. 2015. Roadmap Keuangan Berkelanjutan di Indonesia. Jakarta: OJK
Oh, Deokkyo. Green Finance in Korea. Research Fellow at Korea Corporate Governance Service.
Rangkuti, Freddy. 2001. Analisis SWOT Teknik Membedah Kasus Bisnis Reorientasi Konsep Perencanaan Strategis Untuk Menghadapi Abad 2. Jakarta: PT Gramedia Pustaka Utama
Rivai, Veithzal. 2010. Islamic Banking: Sistem Bank Islam Bukan Hanya Solusi Menghadapi Krisis Namun Solusi Dalam Menghadapi Berbagai Persoalan Perbankan & Ekonomi Global. Jakarta: Bumi Aksara
Sugiyono. 2008. Metode Penelitian Kualitatif Kuantitatif dan R&D. Bandung: Alfabeta
Sumantri, Arif. 2010. Kesehatan Lingkungan & Perspektif Islam. Jakarta: Kencana Prenada Media Grup
Tripti Chopra and Punit Kakrecha. Green Finance: The Practices of Banks and Perspective of Customers. International Journal Of Research –Granthaalayah. Chopra et.al., Vol.3(Iss.5): May, 2015 ISSN- 2350-0530(O) ISSN- 2394-3629(P)
Uddin, Nazim. Shari’ah Based Banking and Green Financing: Evidence from Bangladesh. IOSR Journal of Business and Management (IOSR-JBM) e-ISSN: 2278-487X, p-ISSN: 2319-7668. Volume 18, Issue 1 .Ver. III (Jan. 2016), PP 79-90 DOI: 10.9790/487X-18137990
Valarmathi and Yuvarani. SWOT Analysis And Strategies Of Green Marketing. Available Online through Research Article Department of Commerce, Trinity College for Women, Sanyasikaradu, Mohanur Road, Namakkal – 637 001, Tamil Nadu, India. 2Department of Commerce, Kailash Women’s College, Nangavalli, Salem – 636 502, Tamil Nadu, India ISSN: 0975-766X.
Vyas, Manmohan. Green Finance and Sustainable Development: An Indian Perspective. International Journal Of Multifaceted And Multilingual Studies. Volume-Iv, Issue-Vi, ISSN (Online): 2350-0476.
Wahyudin, Dian. Strategi Konsep Ekonomi Hijau Sebagai Suistainable Development Goals Di Indonesia. Volume III, No. 01, Februari 2016 ISSN 2355-2883.
Volz, Ulrich. 2016. Fostering Green Finance for Sustainable Development in Asia. German: Deutsches Institut für Entwicklungspolitik (DIE)
Yongrok, Choi. Article Intermediary Propositions for Green Growth with Sustainable Governance. Department of International Trade and Regional Studies, Inha University, Academic Editors: Giuseppe Ioppolo, Malin Song and Seunghwan Myeong - sustainability ISSN 2071-1050
Zhou, Jiping. Research on the Development of Green Finance in Shenzhen to Boost the Carbon Trading Market. MSETEE 2017 IOP Publishing IOP Conf.
Bmkg.go.id, 2015-2016 diakses pada tanggal 28 Agustus 2017 pukul 20.43 WIB.
Himpunan Pemerhati Lingkungan Hidup Indonesia.org, 2 Desember 2011 diakses pada tanggal 18 Mei 2017 pukul 14.42 WIB
Beta, 2017. Kompasiana.com, 22 April 2017 diakses pada tanggal 05 Januari 2017 pukul 20.50 WIB