Determinan Adopsi Green Banking Nasabah Bank Syariah Indonesia di Semarang: Peran Persepsi Sebagai Mediasi

Afina Damayanti; Ahmad  Furqon; Mardhiyaturrositaningsih Mardhiyaturrositaningsih

doi:10.37859/jae.v16i1.11298

Authors

Afina Damayanti Universitas Isalam Negeri Walisongo Semarang
Ahmad Furqon Universitas Islam Negeri Walisongo Semarang
Mardhiyaturrositaningsih Mardhiyaturrositaningsih Universitas Isalam Negeri Walisongo Semarang

DOI:

https://doi.org/10.37859/jae.v16i1.11298

Keywords: customer, behavior, green banking, islamic bank, sharia bank

Abstract

The implementation of green banking is essential for Islamic banking in supporting sustainability. This study is based on an environmental survey showing that air quality in Semarang is categorized as moderate and may negatively affect public health. The study aims to analyze the influence of awareness, social influence, and environmental factors on the adoption of green banking among BSI customers in Semarang. A quantitative approach using SEM-PLS was applied to 130 respondents. The findings indicate that awareness, social influence, and environmental factors do not significantly affect green banking adoption directly. However, perception significantly moderates the relationship between awareness and adoption decisions. These results highlight the importance of positive customer perceptions of green banking benefits as a strategic reference for banks in improving education and developing sustainable green banking services in the future.

Downloads

Download data is not yet available.

References

Ahmad, A., Qaiser, N., Yaqoob, B., Ahmad, A., Qaiser, N., Yaqoob, B., & Researcher, I. (2024). Determinants of Green Banking Adoption and Bank’s Performance: An Emerging Challenge 1. Contemporary Issues in Social Sciences and Management Practices (CISSMP), 3(4), 117–131. https://doi.org/https://doi.org/10.61503/cissmp.v3i3.247

Bank Syariah Indonesia. (2024). Kinerja Impresif BSI Hasil Konsistensi Transformasi. https://www.bankbsi.co.id/news-update/berita/kinerja-impresif-bsi-hasil-konsistensi-transformasi

Bouteraa, M. et al. (2020). Islamic Banks Customers ’ Intention to Adopt Green Banking : Extension of UTAUT Model. International Journal of Business and Technology Management, 2(1), 121–136. http://myjms.moe.gov.my/index.php/ijbtm

Bukhari, S. A. A., Bukhari, S. N. Z., Hashim, F., & Azlan Amran. (2025). Determinants of Green Banking Adoption in Pakistan : A Stakeholder Approach.

Gharaibeh, M. K., Arshad, M. R. M., & Gharaibh, N. K. (2018). Using the UTAUT2 model to determine factors affecting adoption of mobile banking services: A qualitative approach. International Journal of Interactive Mobile Technologies, 12(4), 123–134. https://doi.org/10.3991/ijim.v12i4.8525

Habibah, U., & Nurafini, F. (2024). Pengaruh Persepsi Kegunaan, Kemudahan dan Risiko Terhadap Minat Membayar Zakat, Infaq dan Shodaqoh Menggunakan Fitur Berbagi-Ziswaf BSI. Jurnal Ekonomika Dan Bisnis Islam, 7(1), 97–112. https://doi.org/https://doi.org/10.26740/jekobi.v7n1.p97-111

Hair, J. F. R., Sarstedt, J. J., & M.Ringle, C. M. (2019). When to use and how to report the results of PLS-SEM. European Business Review, 31(1), 2–24. https://doi.org/https://doi.org/10.1108/EBR-11- 2018-0203

Hariharan, A. K., & Nedumaran, G. (2025). Environmental Consciousness and Adoption of Green Banking Services. Mercados y Negocios, 26(55), 107–132. https://doi.org/https://doi.org/10.32870/myn.vi55.7785

Hasan, G., Fasha, A., & I, R. A. (2025). Influence of Attitude Toward Green Product on Green Purchase Behavior in E-Commerce. EKUITAS (Jurnal Ekonomi Dan Keuangan), 9(3), 422–441. https://doi.org/10.24034/j25485024.y2025.v9.i3.7351

IQAir. (2024). Air quality in Semarang, Central Java, Indonesia. https://www.iqair.com/id/indonesia/central-java/semarang

Jangir, K., Sharma, V., Taneja, S., & Rupeika-Apoga, R. (2023). The Moderating Effect of Perceived Risk on Users’ Continuance Intention for FinTech Services. Journal of Risk and Financial Management, 16(1). https://doi.org/10.3390/jrfm16010021

John, J. K., Kilumile, J. W., Makorere, R., Hudson Mrisha, S., Nyagawa, M., & Miraji Hussein, M. (2025). From business-to-consumer interactions to brand equity: driving social commerce purchase intentions. Cogent Business and Management, 12(1). https://doi.org/10.1080/23311975.2025.2494064

Kaeksi, R. A., Sartika, I., Maghfiroh, E., & Akbar, M. A. (2025). Pengaruh Faktor Adaptasi Model UTAUT terhadap Intensi Adopsi Sistem Hijau pada Bank Indonesia. Jurnal Buana Informatika, 16(01), 57–68.

Kartika, R., & Tinia, A. G. (2025). Faktor-Faktor Yang Mempengaruhi Adopsi Green Finance Pada Perbankan Di Indonesia. Akuntabilitas: Jurnal Ilmu-Ilmu Ekonomi, 17(2), 17–27. https://doi.org/https://doi.org/10.35457/5287 l

Kumari, P., & Kumar, P. (2024). Factors Affecting Individuals to Adopt Green Banking : Empirical Evidence from the UTAUT Model. International Journal of Trend in Scientific Research and Development (IJTSRD), 8(4), 495–503. https://doi.org/https://doi.org/10.26710/jbsee.v6i2.1258

Majeed, A., & Rasheed, A. (2025). Environmental Responsibility , Environmental Concerns , and Green Banking Adoption in Pakistan : Using the Unified Theory of Acceptance and Use of Technology. Human Behavior and Emerging Technologies, 20. https://doi.org/10.1155/hbe2/7268813

Makorere, R. (2025). Factors Influencing the Adoption of Green Banking Services Among Higher Learning Students in Tanzania : The Moderating role of Customer Perception. International Journal for Multidisciplinary Research (IJFMR), 7(5), 1–13. https://doi.org/https://doi.org/10.36948/ijfmr.2025.v07i05.56831

Mawaddah, D. M., Mardhiyaturrositaningsih, M., & Nihayah, A. Z. (2025). Determinants of Financial Stability in Islamic Banks. Jurnal Akuntansi, 17(2), 239–252. https://doi.org/10.28932/jam.v17i2.11866%0Ahttps://journal.maranatha.edu/index.php/jam/article/download/11866/3303

Mehrabian, A., & Russell, J. A. (1974). An approach to environmental psychology. The MIT Press. https://psycnet.apa.org/record/1974-22049-000

Merli, M., Pallud, J., & Pulikova, M. (2023). Going green ? On the drivers of individuals ’ green bank adoption. Business Ethics, the Environment & Responsibility, 33(4), 780–794. https://doi.org/10.1111/beer.12641

Mishra, A. K., & Aithal, P. S. (2023). Assessing the Association of Factors Influencing Green Banking Practices. International Journal of Applied Engineering and Management Letters, 7(3), 36–54. https://doi.org/10.47992/ijaeml.2581.7000.0187

OJK, O. J. K. (2023). Laporan Perkembangan Keuangan Berkelanjutan di Indonesia: Mendorong Akselerasi Green Economy.

OJK, O. J. K. (2025). Keuangan berkelanjutan tahap ii (2021 – 2025). https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/Pages/Roadmap-Keuangan-Berkelanjutan-Tahap-II-(2021-2025).aspx

Permana, F. B., & Hidayah, R. T. (2025). The Influence of Attitude and Trust in Green Banking on Customer Interest in Opening an Account : Case Study of PT Bank Central Asia Tbk. The Es Economics and Entrepreneurship, 4(02), 179–194. https://doi.org/10.58812/esee.v4i02

Pooja Meena, & Jangid, K. K. (2025). Customer Satisfaction Regarding Online Banking Services: A Comparative Study of Public and Private Sector Banks in Punjab. Communications on Applied Nonlinear Analysis, 05(082), 805–815. https://doi.org/10.52783/cana.v32.5107

Prayogi, A. H., & Solekah, N. A. (2024). Green Banking Trends in Islamic Bank: Gen Z’s Awareness and Knowledge. Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah, 6(6), 5150–5165. https://doi.org/10.47467/alkharaj.v6i6.2366

Rahi, S., Ghani, M. A., & Ngah, A. H. (2020). Factors propelling the adoption of internet banking: The role of e-customer service, website design, brand image and customer satisfaction. International Journal of Business Information Systems, 33(4), 549–569. https://doi.org/10.1504/IJBIS.2020.105870

Setyorini, M., & Hakam, D. F. (2025). The Impact of Green Banking Activities on Environmental Performance: A Youth-Driven Perception Study in Indonesian Financial Institutions. Journal of Risk and Financial Management, 18(10). https://doi.org/10.3390/jrfm18100558

Sowmya M, & Prabakaran G. (2024). the Influence of Customer Awareness and Utilization of Green Banking Services on E-Banking Adoption. ShodhKosh: Journal of Visual and Performing Arts, 5(1), 2081–2089. https://doi.org/10.29121/shodhkosh.v5.i1.2024.4897

Supriad, Siregar, E. S., & Ismadharliani, A. (2024). Pengaruh Manfaat Dan Kemudahan Terhadap Minat Menggunakan BSI Mobile Pada Masyarakat Di Desa Sungai Tering Kecamatan Nipah Panjang. Maslahah: Jurnal Manajemen Dan Ekonomi Syariah, 2(1), 99–119. https://doi.org/https://doi.org/10.26740/jekobi.v7n1.p97-111

Tanchangya, T., Rahman, J., Siddiqi, K. O., Islam, N., Sarker, T., Naher, K., Das, S., & Chowdhury, S. (2025). Factors affecting green banking technology adoption in Bangladesh. Discover Sustainability, 6(1), 2–27. https://doi.org/https://doi.org/10.1007/s43621-025-02143-3

Ubaidillah, & Sholikha, A. F. (2023). Analisa Persepsi Nasabah PT . Bank Syariah Indonesia Tbk Purwokerto Terhadap Kebijakan Green Banking Dalam Mendukung Program Sustainable Development Goals( SDGs ). Indonesian Scientific Journal of Islamic Finance, 4(1), 98–121. https://doi.org/https://doi.org/10.21093/inasjif.v4i1.11463

Ulwany, N. Z., & Hasanah, N. (2025). Pengaruh Penerapan Green Banking terhadap Loyalitas Nasabah dalam Bertransaksi di Bank Umum Syariah dengan Kinerja Bank sebagai Variabel Moderasi. Prosiding Seminar Nasional Akuntansi Dan Manajemen, 5(2). https://prosiding.pnj.ac.id/index.php/SNAM/article/view/2994

Utami, R. D., Gunarsih, T., & Aryanti, T. (2017). Pengaruh Pengetahuan, Kepedulian dan Sikap pada Lingkungan Terhadap Minat Pembelian Produk Hijau. Media Trend, 9(2), 151–161. https://doi.org/10.1016/b978-0-444-87100-8.50042-2

Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). Acceptance of Information Technology: Toward a Unified View. Management Information Systems Research Center, 27(3), 425–478. https://www.jstor.org/stable/30036540

Xie, J., Ye, L., Huang, W., & Ye, M. (2021). Understanding fintech platform adoption: Impacts of perceived value and perceived risk. Journal of Theoretical and Applied Electronic Commerce Research, 16(5), 1893–1911. https://doi.org/10.3390/jtaer16050106

Yusuf, muhammad dafi, & Utomo, A. P. (2023). Kualitas Udara di Kota Semarang Tak Baik untuk Kelompok Sensitif, Mayoritas dari Gas Buang Kendaraan. Kompas.Com. https://regional.kompas.com/read/2023/09/01/144327878/kualitas-udara-di-kota-semarang-tak-baik-untuk-kelompok-sensitif-mayoritas