Analisis Pengaruh Green Banking terhadap Pertumbuhan Usaha Mikro, Kecil, Menengah (UMKM) E-Commerce Indonesia: Dengan Perspektif Pelaku Usaha

This study examines how the implementation of green banking principles affects the growth of Micro, Small, and Medium Enterprises (UMKM) in the Indonesian e-commerce sector. Using a qualitative approach with a case study method, this study focuses on two main aspects: access to sustainable funding and the impact of environmental education programs. The aim is to understand how these two factors affect the performance and sustainability of e-commerce UMKM. UMKM that have participated in the green banking program were selected as the subjects of the study. Data were collected through structured interviews to obtain direct information from business actors, as well as analysis of related documents such as financial reports and business strategies. Thematic analysis methods were used to identify patterns and themes that emerged from the data, revealing the relationship between green banking and UMKM success. The results of the study are expected to provide real contributions in designing effective and environmentally friendly strategies to support the growth of sustainable e-commerce UMKM. These findings will be useful for policymakers and financial institutions in formulating policies and programs that encourage the adoption of sustainable business practices in the Indonesian e-commerce sector. This study aims to provide a foundation for greener and more sustainable economic development.