PT Bank Syariah Indonesia (Persero) Tbk (BSI) strengthened its role as an inclusive Islamic bank by increasing sustainable financing by 11.20% year-on-year, reaching Rp73.92 trillion in 2025 (11/02).

About 79% of this financing supported the empowerment and capacity building of micro, small, and medium enterprises (MSMEs), while the remaining 21% focused on green initiatives such as electric vehicle financing and sustainability sukuk.

By December 2025, BSI’s total financing portfolio reached Rp319 trillion, with sustainable financing composing 23.18%, reflecting the bank’s commitment to green, social, and MSME-focused programs.

MSMEs Remain Central to Sustainable Financing

Bob T Ananta, Vice President and Director of BSI, emphasized the strategic importance of MSMEs.

“MSMEs are one of the company’s focuses in strengthening sustainable financing because this segment represents a grassroots potential that must be nurtured to scale up and sustain itself as a driver of national economic growth,” said Bob T Ananta.

BSI supports MSMEs from upstream to downstream, including mentoring non-bankable businesses and enhancing their capacities through the BSI UMKM Center. The bank also collaborates with ministries and business communities to improve financial literacy and business competence.

“Islamic banks have an important role in assisting MSMEs so that this segment can sustain and increase its capacity, and from the bank’s side it aligns with the ESG framework,” he added.

Integrating ESG into Islamic Finance

Bob explained that combining ESG principles with Islamic finance requires stronger literacy, product innovation, and collaboration among stakeholders to build an inclusive and sustainable financial ecosystem.

Operational initiatives include environmentally friendly buildings at Landmark BSI Aceh and BSI Tower, solar panels at branches and Desa BSI (Bangun Sejahtera Indonesia), 70 Recycle Vending Machines in Greater Jakarta and Bali, 13 EV charging stations at branch offices, 144 eco-friendly operational vehicles, a digital carbon tracking system, and sustainability education programs.

Social Commitment Through Ziswaf

BSI also acts as a social partner by distributing zakat, infaq, sedekah, and waqf (ziswaf). In 2025, total distribution reached Rp400 billion across sectors such as economic empowerment, education, humanitarian aid, health, and advocacy, reaching over 1.2 million beneficiaries. This demonstrates BSI’s alignment with the Principles for Responsible Banking.

Promoting Green Finance Internationally

BSI represented Indonesia at SDG Hive ASEAN in Kuala Lumpur, Malaysia, part of the Ethical Finance ASEAN Summit 2026. In a session titled “Unlocking Islamic Sustainable Finance,” BSI highlighted that Islamic finance is value-based but must be applied practically to create inclusive impact, particularly in MSME financing.

The bank stressed that financing should not only provide capital but also ensure long-term business sustainability and resilience for MSMEs.

PHOTO: BSI

This article was created with AI assistance.

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