Moderating Effect of Religiosity on Islamic Green Banking Interest as a Supporting Factor for Sustainable Finance
Keywords:
Culture, Support Wife, Knowledge, Use Tool Contraception
Abstract
The trend toward sustainable finance is increasingly being taken seriously in a global context. One key component of sustainable finance’s success is the public’s level of ESG literacy. In reality, ESG literacy and bank reputation moderated by religiosity remain limited, thereby influencing public interest in Islamic green banking. This study aims to analyze the influence of ESG literacy and bank reputation on interest in Sharia green banking, moderated by religiosity. This study employs a quantitative approach using moderated regression analysis (MRA). The analysis was conducted using SPSS to test both direct effects and moderating effects among the variables. The data for this study were obtained from a questionnaire with a sample size of 200 respondents. The sampling technique used in this study was purposive sampling. The results indicate that ESG literacy and bank reputation have a positive and significant influence on interest in Sharia green banking, both partially and simultaneously. Furthermore, religiosity was found to amplify the influence of ESG literacy and bank reputation on interest in Sharia green banking. The contribution of the independent variables to the dependent variable is 35.4%. These results also provide an empirical basis for strengthening Islamic banks’ educational and reputational strategies to encourage public participation in a just and sustainable green economy.
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Ahmad, S. M. (2024). Menjembatani ESG dan kinerja keuangan perusahaan di pasar negara berkembang . Jurnal Ekonomi Bisnis dan Administrasi.
Anisa, L. N. (2025). SUSTAINABLE FINANCE FROM THE PERSPECTIVE OF MAQASHID SYARIAH. Jurnal Studi Islam dan Sosial.
Bahri S. A., M. H. (2022). Sharia Financial Literature in Promoting Religious Moderation in Indonesia . Jurnal Lektur Keagamaan.
Benjamin, D. J. (2016). Religious Identity and Economic Behavior . Review of Economics and Statistic.
Bhatti, M. (2020). Managing Shari'ah Noncompliance Risk Via Islamic Dispute Resolution . Journal of Risk and Management .
Budianto, E. W. (2025). Manajemen Resiko Reputasi. Malang.
Buhmann, A. P. (2020). Managing Algorithmic Accountability: Balancing Reputional Concerns, Engagement Strategies and the Potential of Rational Discourse . Journal of Business Ethics.
Bukhari, S. A. (2020). Green Banking and Islam: Two Sides of The Same Coin. Journal of Islamic Marketing.
Bunga Qurotul Aini, M. d. (2024). Analisis Prinsip-Prinsip Environmental, Social, and Governance (ESG) Pada Operasional BSI Stabat Kh Zainul Arifin. Jurnal Ilmiah Ekonomi Islam.
Caniago, F. (2018). Ketentuan Pembayaran Upah Dalam Islam. Jurnal Textura, Vol. 05 No. 01, 43.
Chitra, V. &. (2020). Green Banking Trends: Customer Knowledge and Awareness in India. Shanlax International Journal of Management .
Cinta Rahmi, A. A. (2024). Penerapan Maqashid Syariah Dalam Perbankan Syariah di Indonesia. Jurnal Ilmiah Research and Development Student (JIS).
Dinda Fitriyaningsih, N. N. (2021). Keadilan Dalam Upah Perspektif Hukum Islam Dihubungkan Dengan Kebijakan Peraturan Pemerintah Nomor 78 Tahun 2015 Tentang Pengupahan. Prosiding Hukum Ekonomi Syariah 7, No. 2, 362.
Dwi Retno Widiyanti, S. H. (2024). Exploring Green Banking Performance of Islamic Banks in Indonesia. International Journal of Islamic Economics and Finance .
Faris, M. d. (2017). Fiqh Muamalah (Teori dan Praktik). Jakarta: Raja Grafindo Persada.
Fieseler, C. F. (2019). Corporate Social Responsibility in The Blogosphere. Journal of Business Ethics.
Fitranty Adirestuty, R. T. (2025). Sustainable Finance in the Islamic World: A Comparative Study of ESG Reporting in Indonesia, Malaysia, and Brunei Darussalam. Al-Uqud: Journal of Islamic Economics.
Ghofur, R. A. (2020). Konsep Upah Dalam Ekonomi Islam. Bandar Lampung: Arjasa Pratama.
Hasan, M. M. (2022). Role of Envrionmental Sustainability, Psychological and Managerial Supports for Determining Bankers' Green Banking Usage Behavior: An Integrated Framework. Psychology Research and Behavior Management.
Hasanah, M. d. (2023). Pengetahuan Produk dan Reputasi Bank Serta Pengaruhnya Terhadap Minat Masyarakat Menabung di BSI. Jurnal Islam Ulil Albab.
Izzany, M. (2025). Startegi Peningkatan Literasi Keuangan Syariah di Masyarakat: Peran Pendidikan dan Kampanye. Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah.
Jalal. (2021). Roadmap Keuangan Berkelanjutan Tahap II.
Johan, S. (2022). Complementary or Substitute: Sharia Financing, Green Financing, and Sustainable Development Goals? International Journal of Sustainable Development and Planning.
Julia, T. &. (2020). Exploring Green Banking Performance of Islamic Banks vs Conventional Banks in Bangladesh Based on Maqashid Syariah Framework. Journal of Islamic Marketing.
Julia, T. R. (2016). Shariah Compliance of Green Banking Policy in Bangladesh. Humanomics.
Kusumadewi, R. Y. (2019). Literasi Keuangan Syariah di Kalangan Pondok Pesantren . CV Elsi Pro. Cirebon.
Lemiyana, M. R. (2024). How Do Digital Literacy Affect Millennial Investment in Sharia Capital Markets? The Role of Lifestye. IKONOMIKA: Jurnal Ekonomi dan Bisnis Islam.
Lilik, H. (2019). Corporate Governance dan Green Banking Disclosure: Studi Pada Bank di Indonesia. Jurnal Dinamika Akuntansi dan Bisnis.
M. Bouteraa, R. I. (2020). Green Banking Practies From Islamic and Western Perspectives. International Journal of Business, Economics and Law.
M.K Hassan., L. C. (2022). The Religious Fringe of Corporate Social Responsibility. International Review of Economics and Finance.
Mahdzan, N. S. (2017). Islamic Religiosity and Portofolio Allocation: The Malaysian Context. International Journal of Islamic and Middle Eastern Finance and Management.
Mashuri, T. (2024). Implementasi Green Banking Pada Perbankan Syariah Indonesia Melalui CSR. Jurnal Perbankan Syariah, 17(3), 1–12. http://www.emerald.com/imefm/article/17/3/461-484/1225127
Mohd Zain, F. A. (2024). Integrating environmental, social, and governance (ESG) principles with Maqashid al-Shariah: a blueprint for sustainable takaful operations. International Journal of Islamic and Middle Eastern Finance and Management.
Muarif, I. (2025). Integrasi ESG (Environmental, Social and Governance) Dalam Keuangan Syariah Untuk Mendukung Pembangunan Berkelanjutan. Jurnal Akuntansi, Keuangan, Perpajakan dan Tata Kelola Perusahaan.
Muh. Fiqran, M. A. (2024). Motivation for Waqf in Millenials and Generation Z: Highlighting Religiosity, Literacy and Accessibility. IKONOMIKA: Jurnal Ekonomi dan Bisnis Islam.
Muhammad Ikbal Falevy, S. P. (2022). Pengaruh Literasi Keuangan Syariah, Religiusitas dan Persepsi Mahasiswa Jabodetabek Terhadap Keputusan Menggunakan Layanan Perbankan Syariah. Jurnal Perbankan Syariah An-Nisbah.
Mulyadi, A. O. (2023). The Islamic Religiosity and Financial Well-Being: A Moderated Mediation Model of Financial Behavior and Literacy. Jurnal Reviu Akuntansi dan Keuangan .
Mulyawan, F. (2017). Fiqh Muamalah (Teori dan Praktik). Jakarta: Raja Grafindo Persada.
Neville, B. A. (2021). Corporate Reputation, Stakeholders and The Social Performance-Financial Performance Relationship. European Journal of Marketing.
Nurafifah Wulandari, R. S. (2025). ESG Controversy as a Moderator of the Impact of Environmental, Social, and Governance Indicators on High-Profile Companies' Performance in Asia. International Journal of Business.
OJK. (2021). Roadmap Keuangan Berkelanjutan 2021-2025. Jakarta: OJK.
Pantri Heriyati, L. A. (2024). Managing Financial Life: Examining The Factors Impacting The Financial Literacy of Indonesian Students Studying Abroad. Journal of Indonesian Economy and Business.
Risma Wati, M. I. (2025). Strategi Pengembangan Green Banking Dalam Pembiayaan Berkelanjutan: Tantangan dan Peluang Bagi Perbankan Syariah di Indonesia. MAMEN (Jurnal Manajemen).
Seli Okta Piya, E. S. (2024). Manajemen Pemasaran Produk Ijarah Pada Bank Syariah. Bengkulu: CV. Sinar Jaya Berseri.
Siti Masruroh, R. O. (2024). Green Banking In Indonesia: Literature Studies And Perspective Of Islamic Academics. ICES (International Conference on Education and Sharia .
Sylva Alif Rusmita, F. B. (2024). Fundamental and Role ESG in Islamic Finance and Business: A Literature Review and Content Analysis. International Journal of Religion.
Tangmanee. (2021). Effects of Perceived Risk and Bank Reputation Through Online Trust On The Use Of Internet Banking Service. International Journal of Electronic Commerce Studies.
Umari, S. d. (2023). Sosialisasi Ijarah Dalam Hukum Islam. Jurnal Aksi Kepada Masyarakat STEBIS IGM 3 (2).
Utomo, A. N. (2017). Analisa Kebutuhan Sistemhost-To-Host Untuk Collection Agent Aggregator (Caa) Pada Kerjasama Brilink Bank BRI (Sebuah Rekayasa Fintech). . Jurnal Rekayasa Informasi, 6(1).
Zheng, G. W. (2021). Green Finance Development in Bangladesh: The Role of Private Commercial Banks (PCBs). Sustainability (Switzerland).
Zuardi, M. H. (2020). Analisis Keputusan Nasabah Menggunakan BRILink. Adzkiya: Jurnal Hukum dan Ekonomi Syariah, 8(1), 93-114.
Zunairi Zaman, B. M. (2017). Role of Islamic Financial Literacy in the Adoption of Islamic Banking Services: An Empirical Evidence from lahore, Pakistan. Journal of Islamic Business and Management (JIBM).
Published
2026-06-22
How to Cite
Fauzani, Anisah, Yeni Oktaviani, Ghina Nabilah Effendi, & Zainab Yusuf. (2026). Moderating Effect of Religiosity on Islamic Green Banking Interest as a Supporting Factor for Sustainable Finance. Sharia Economic and Management Business Journal (SEMBJ), 7(2), 515-526. https://doi.org/10.62159/sembj.v7i2.2285
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Articles
Copyright (c) 2026 Fauzani, Anisah, Yeni Oktaviani, Ghina Nabilah Effendi, Zainab Yusuf
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