Sharia Compliance in Achieving Green Banking: The Role of Hifz Al-Din and Hifz Al-Bi’ah

Wahyu Syarvina, Chuzaimah Batubara

Abstract


This study explores the integration of Islamic principles with environmentally sustainable practices in Islamic banking institutions, focusing specifically on two core elements of maqasid al-shariah: preserving faith (hifz al-din) and preserving the environment (hifz al-bi’ah). The central challenge addressed is the implementation of hifz al-bi’ah within Sharia-compliant financial systems. Employing a non-parametric qualitative approach through the Analytic Network Process (ANP), the study analyzes insights from nine informants representing Islamic banking practitioners, academics, and regulators. The findings reveal three key strategic pathways to strengthen Sharia Compliance in green banking: (1) enhancing human resource capacity, (2) optimizing the role of the Sharia Supervisory Board, and (3) fostering environmental awareness through certification mechanisms. The study underscores that Islamic banks implementing environmentally conscious HR practices benefit from reduced carbon footprints, improved financial performance, and higher employee retention, thereby contributing to both spiritual and ecological sustainability.

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ABSTRAK - Kepatuhan Syariah dalam Mencapai Green Banking: Peran Hifz Al-Din Dan Hifz Al-Bi’ah. Penelitian ini mengeksplorasi integrasi prinsip-prinsip Islam dengan praktik berkelanjutan pada institusi perbankan syariah, dengan fokus pada dua elemen inti maqasid al-shariah, yaitu: memelihara agama (hifz al-din) dan memelihara lingkungan (hifz al-bi’ah). Tantangan utama terletak pada implementasi hifz al-bi’ah dalam sistem keuangan yang sesuai dengan syariah. Dengan pendekatan kualitatif non-parametrik melalui Analytic Network Process (ANP), penelitian ini menganalisis perspektif dari sembilan informan yang mewakili praktisi perbankan Syariah, akademisi, dan regulator. Temuan penelitian menunjukkan ada tiga strategi utama untuk memperkuat kepatuhan syariah dalam pencapaian green banking, yaitu: (1) peningkatan kapasitas sumber daya manusia, (2) optimalisasi peran Dewan Pengawas Syariah, dan (3) peningkatan kesadaran lingkungan melalui mekanisme sertifikasi. Studi ini menegaskan bahwa bank syariah yang menerapkan praktik manajemen SDM yang ramah lingkungan memperoleh manfaat lebih besar, termasuk pengurangan jejak karbon, peningkatan kinerja keuangan, dan retensi karyawan yang lebih tinggi, sehingga berkontribusi pada keberlanjutan spiritual dan ekologis.

 

Keywords


Hifz al-Bi'ah, Hifz al-Din, Islamic Banking, Sharia Compliance

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