Pengaruh Inovasi Keuangan, Keuangan Hijau dan Performa Keberlanjutan terhadap Pertumbuhan Berkelanjutan dalam Perspektif Islam (Studi pada Bank Umum Syariah)
DOI:
https://doi.org/10.54065/jss.6.3.2026.1493Keywords:
Inovasi Keuangan, Keuangan Hijau, Kinerja Keberlanjutan, Pertumbuhan BerkelanjutanAbstract
Urgensi penelitian ini adalah semakin meningkatnya kebutuhan integrasi inovasi keuangan, keuangan hijau, dan performa keberlanjutan dalam sektor perbankan syariah guna mendorong pertumbuhan ekonomi yang tidak hanya berorientasi pada keuntungan, tetapi juga selaras dengan prinsip keadilan, keberlanjutan, serta nilai-nilai Islam. Perkembangan industri keuangan menuntut lembaga keuangan untuk mampu menciptakan pertumbuhan yang berkelanjutan (Sustainable growth) melalui penerapan inovasi dan prinsip keberlanjutan. Financial innovation, Green finance, dan Sustainability performance diharapkan mampu memberikan efek peningkatan terhadap Sustainable growth. Penelitian ini bertujuan untuk mengetahui dan menganalisis seberapa besar Financial innovation, Green finance, dan Sustainability performance mempengaruhi Sustainable growth pada Bank Umum Syariah. Populasi penelitian ini adalah 14 Bank Umum Syariah yang terdaftar di OJK. Teknik pemilihan sampel pada penelitian ini ialah Purposive Sampling dengan jumlah sampel yang dipilih sebanyak 4 Bank Umum Syariah. Penelitian ini menggunakan metode kuantitataif dengan pendekatan asosiatif. Data yang digunakan adalah data sekunder yang berasal dari Annual Report dan Sustainability Report tiap-tiap sampel bank. Alat analisis yang digunakan adalah aplikasi E-Views 12. Hasil penelitian menunjukkan bahwa Financial innovation berpengaruh negatif dan signifikan terhadap Sustainable growth. Green finance berpengaruh positif dan signifikan terhadap Sustainable growth. Sustainability performance berpengaruh positif dan signifikan terhadap Sustainable growth. Selain itu, Financial innovation, Green finance, dan Sustainability performance berpengaruh positif dan signifikan secara simultan terhadap Sustainable growth.
References
Ali, M. A. (2022). Growth and development of Islamic banking: A global review. Review of Applied Management and Social Sciences, 5(2), 263–289. https://doi.org/10.47067/ramss.v5i2.235
Abdullah, I., Sulaiman, S., Mukrima, N. A., & Kahar. (2025). Influence quality service employee to loyalty customers at BRI Bank Tassililu Unit Subdistrict West Sinjai. Income Journal of Economics Development, 5(1), 16–26. https://doi.org/10.54065/ijed.5.1.2025.352
Babic, M. (2024). Green finance in the global energy transition: Actors, instruments, and politics. Energy Research & Social Science, 111, 103482. https://doi.org/10.1016/j.erss.2024.103482
Erawati, T., Kusuma, H., Suban, S. D., & Putri, F. K. (2025). The role of sustainable growth rate in mediating liquidity, profitability, and company size on financial performance. Jurnal Akuntansi dan Auditing Indonesia, 29(1). https://doi.org/10.20885/jaai.vol29.iss1.art13
Firdaus, A., & Mariana, L. (2026). The impact of managerial capabilities on the effectiveness of sustainable economic development: A systematic literature review. Income Journal of Economics Development, 6(1), 1–15. https://pusdig.web.id/ekonomi/article/view/172
Florensia, E., Kohardinata, C., & Laturette, K. (2022). Pengaruh intellectual capital terhadap sustainable growth rate di masa pandemi COVID-19 pada sektor perbankan dan jasa keuangan lainnya. Jurnal Akuntansi AKUNESA, 11(1), 36–48. https://doi.org/10.26740/akunesa.v11n1.p36-48
Hasanah, N., & Hariyono, S. (2022). Analisis implementasi green financing dan kinerja keuangan terhadap profitabilitas perbankan umum di Indonesia. Jurnal Ekobis: Ekonomi, Bisnis & Manajemen, 12(1), 149–157. https://doi.org/10.37932/j.e.v12i1.444
Huda, N., & Kholilah, K. (2025). Do financial and non-financial factors affect sustainable growth rates? Jurnal Akuntansi Kontemporer, 17(1), 38–52. https://doi.org/10.33508/jako.v17i1.6079
Indriati, T., Nawasiah, N., & W, B. R. (2022). Kinerja lingkungan dan kebijakan hutang pengaruhnya terhadap sustainable growth rate melalui profitabilitas. Account: Jurnal Akuntansi, Keuangan dan Perbankan, 9(1), 1631–1639. https://doi.org/10.32722/acc.v9i1.4586
Ishak, A. F., Zahra, F., & Meldawati, L. (2025). Literature study on Go-Pay service acceptance model for consumers. Income Journal of Economics Development, 5(2), 275–282. https://doi.org/10.54065/ijed.5.2.2025.464
Khotimah, H., Ruhiyat, E., & Hakim, D. R. (2024). The effect of green intellectual capital, good corporate governance, and growth options on sustainability performance. Journal of Economics, Business, and Accountancy Ventura, 27(1), 113–129. https://doi.org/10.14414/jebav.v27i1.4256
Olanrewaju, O. I. K., Ekechukwu, D. E., & Simpa, P. (2024). Driving energy transition through Financial innovation: The critical role of big data and ESG metrics. Computer Science & IT Research Journal, 5(6), 1434–1452. https://doi.org/10.51594/csitrj.v5i6.1226
Pranesti, A., Larasati, K. S., & Widiyanti, A. (2022). Kinerja keterlanjutan dan nilai perusahaan: Sebuah kajian teoritis. Jurnal Ilmiah Universitas Batanghari Jambi, 22(3), 1624–1631. https://doi.org/10.33087/jiubj.v22i3.2622
Randanan, G. F., & Furqan, A. C. (2025). Exploring the correlation between green investment, financial performance, and corporate value in Indonesian manufacturing: A study on 2019–2023 period. Income Journal of Economics Development, 5(2), 263–274. https://doi.org/10.54065/ijed.5.2.2025.435
Rohmandika, M. S., & Oktaviana, U. K. (2024). Sharia bank’s attention related to sustainability performance, through financial performance, good corporate governance, and risk management. SULTANIST: Jurnal Manajemen dan Keuangan, 12(1), 19–26. https://doi.org/10.37403/sultanist.v12i1.564
Suhardjo, I., Suparman, M., Hidayah, Y., Misnawati, M., Rahmadyan, A. N., & Hirlian, R. D. (2024). Market capitalization, leverage, and the pursuit of sustainable growth: Evidence from the Indonesian FinTech industry. Jurnal Akademi Akuntansi, 7(2), 267–288. https://doi.org/10.22219/jaa.v7i2.31212
Sulawati, Darmawansah, & Natsir, U. (2025). Financial decision-making in corporate management: A systematic literature review. Income Journal of Economics Development, 5(2). https://doi.org/10.54065/ijed.5.2.2025.477
Sunarso. (2021, October 12). Tiga aksi korporasi besar ini jaga pertumbuhan berkelanjutan BRI. Kompas.com. https://biz.kompas.com/read/2021/10/12/080348228/tiga-aksi-korporasi-besar-ini-jaga-pertumbuhan-berkelanjutan-bri
Syam, S. (2025). A systematic literature review on the role of artificial intelligence in digital marketing strategies. Income Journal of Economics Development, 5(1), 1–6. https://doi.org/10.54065/ijed.5.1.2025.335
Waruwu, M., Pu`at, S. N., Utami, P. R., Yanti, E., & Rusydiana, M. (2025). Metode penelitian kuantitataif: Konsep, jenis, tahapan dan kelebihan. Jurnal Ilmiah Profesi Pendidikan, 10(1), 917–932. https://doi.org/10.29303/jipp.v10i1.3057
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 Shinta Asmara Dewi, Ersi Sisdianto , Nurhayati Nurhayati
This work is licensed under a Creative Commons Attribution 4.0 International License.
License and Copyright Agreement
- Authors retain copyright and other proprietary rights related to the article.
- Authors retain the right and are permitted to use the substance of the article in their own future works, including lectures and books.
- Authors grant the journal the right of first publication with the work simultaneously licensed under Creative Commons Attribution License (CC BY 4.0) that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post or self-archive their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
