Desafios e problemas do green banking nos bancos islâmicos e tradicionais do Paquistão
DOI:
https://doi.org/10.23925/2179-3565.2022v13i3p4-24Palavras-chave:
Green Banking, Paquistão, Bancos Islâmicos, Bancos TradicionaisResumo
Este estudo investiga os desafios e questões atuais na adoção de atividades bancárias verdes no setor bancário paquistanês, especialmente em bancos islâmicos, devido à sua estreita ligação com os bancos verdes e éticos. Foram realizadas 26 entrevistas (19 oficiais bancários verdes e sete chefes do departamento de Shariah) por meio de um questionário semiestruso. O estudo revela oito fatores em ordem prioritária, causando obstáculos na implementação de bancos verdes no Paquistão. São falta de consciência, conhecimento e habilidades, cultura de adoção para mudar, falta de pressão, falta de incentivos, falta de poder jurídico, cultura e infraestrutura. Entre as quatro áreas bancárias verdes, os entrevistados identificaram a gestão de riscos ambientais como a área mais desafiadora. A maioria dos bancos tem exigido revisão nas diretrizes bancárias verdes com algum poder legal e incentivos. O estudo é o primeiro da literatura que identifica os problemas em ordens prioritárias com razões e efeitos posteriores. Este estudo apoia os modelos de jeucken e chapra de bancos verdes e islâmicos, respectivamente. O estudo ajudará a formular a política de revisão nas diretrizes bancárias verdes e nas leis ambientais no Paquistão. O estudo ajudará ainda mais a alcançar Maqasid-e-Shariah em bancos islâmicos.
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