Barriers to Sustainable Finance in Islamic Banking: Qualitative Insights from Bank Syariah Indonesia
イスラム銀行における持続可能な金融への障壁：Bank Syariah Indonesiaからの質的洞察 (AI 翻訳)
Awaliyah Alifi, Wahyu Dwi Agung
🤖 gxceed AI 要約
日本語
インドネシアのイスラム銀行BSIにおける持続可能な金融の障壁を、年次報告書と関係者インタビューから質的に分析。伝統的な信用枠組み、OJKの助言的規制姿勢、政策と実践の乖離という3つの障壁を特定し、シャリア適合に環境保護を統合することを提言する。
English
This qualitative study examines barriers to sustainable finance in Indonesian Islamic banking, focusing on Bank Syariah Indonesia. It identifies three key obstacles: traditional credit frameworks prioritizing short-term profit, a regulatory stance lacking fiscal incentives, and a policy-practice gap burdening entrepreneurs. It recommends integrating environmental protection into Sharia compliance to make sustainability a strategic pillar.
Unofficial AI-generated summary based on the public title and abstract. Not an official translation.
📝 gxceed 編集解説 — Why this matters
日本のGX文脈において
日本ではSSBJ開示が進むが、金融機関の融資判断にESGを統合する実務は途上。本論文の「伝統的信用枠組み」と「規制のインセンティブ欠如」の指摘は、日本の地域金融機関やメガバンクの投融資実務にも示唆を与える。
In the global GX context
This paper contributes to global discourse on sustainable finance by highlighting the gap between regulation and practice in an emerging market context. It offers insights for ISSB/CSRD implementation in jurisdictions where regulatory incentives are weak, and underscores the need for integrating sustainability into core financial decision-making.
👥 読者別の含意
🔬研究者:Provides qualitative evidence on barriers to sustainable finance in Islamic banking, useful for comparative studies on ESG integration in emerging markets.
🏢実務担当者:Highlights the need for aligning credit frameworks with ESG metrics and for regulatory incentives to encourage sustainable lending.
🏛政策担当者:Suggests that advisory regulation without fiscal incentives is insufficient; recommends integrating environmental protection into Sharia compliance to drive change.
📄 Abstract（原文）
Sustainable reporting aims to promote transparency and accountability, yet a significant implementation gap persists within the Indonesian Islamic banking sector. This study investigates the systemic barriers hindering the growth of sustainable financing at Bank Syariah Indonesia (BSI), where documented proportions decline between 2021 to 2023. Employing a qualitative methodology, the research synthesizes BSI’s annual reports with in-depth interviews from bank executives, entrepreneurs across various scales, sustainable financing expert, and the Financial Services Authority (OJK. The findings reveal three primary obstacles: first, a traditional credit framework within BSI that prioritize immediate profitability over ESG metrics. Second, an advisory regulatory stance by the OJK that lacks tangible fiscal incentives or infrastructure. Third, a misalignment between policy and practice that causes entrepreneurs to perceive sustainable practises as a financial and administrative burden rather than a strategic advantage. By exposing the disconnect between government regulation and practical application, this study offers novel qualitative insights into the industry’s reality. It proposes targeted recommendations to harmonize the tripartite interest of the state, financial institutions, and the private sectors. Furthermore, the research advocates for integrating environmental protection (hifz al bi’ah ) into Sharia compliance to transition sustainability from a voluntary formality into a strategic pillar of operational stability. Ultimately, these strategies aim to enhance regulatory frameworks and foster innovation, supporting a more responsible and inclusive financial ecosystem aligned with global environmental goals.
🔗 Provenance — このレコードを発見したソース
- semanticscholar https://doi.org/10.21043/malia.v10i1.36023first seen 2026-08-14 05:37:10
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gxceed は公開メタデータに基づく研究支援データセットです。要約・翻訳・解説は AI 支援で生成されています。 最終的な解釈・検証は利用者が原典資料に基づいて行うことを前提とします。