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Value Chain and ESG Performance as Determinants of Sustainable Lending in Commercial Bank: A Systematic Literature Review

Aptisi Transactions on Technopreneurship (ATT) · Vol. 6 No. 1 (2024) · hlm. 41–55

DOI
10.34306/att.v6i1.381
ISSN
2656-8888, 2655-8807
Terbit
2024-03-31
Penerbit
Pandawan
Bahasa
en
Lisensi
creativecommons.org/licenses/by/4.0

Abstrak

Currently, the topic of sustainability is increasingly discussed, including in lending activities in commercial banks about environmental, social, and governance (ESG) aspects. The positive influence of economic aspects on sustainability is generally accepted, but the influence of ESG aspects on sustainability still has no consensus. These opinions address ESG-oriented credit products and lending activities. This paper has two aims related to research questions. The first aim is to identify the factors that play a role in sustainable lending in commercial banks through the value chain concept; the second aim is to elucidate the relationship between factors that play a role in sustainable lending. To achieve this goal, a systematic literature review (SLR) of 1,073 articles from various scientific journals was conducted. There are 18 articles relevant to the banking industry related to credit (bank lending) that are selected and become references for knowing the determinant factors in sustainable lending. Based on the systematic review, there are 8 value chain articles, 9 ESG performance articles, and 1 economic performance article related to sustainable lending. A total of 15 articles show the potential and positive influence of sustainability, consisting of 7 value chain articles regarding the potential to encourage sustainability and 8 ESG performance articles regarding a positive relationship with sustainability. The review revealed that a value chain and ESG performance are the two dominant factors in sustainable lending. The review also found the influence of ESG aspects on sustainability; some argue that there is a positive influence or the opposite, and some argue that they do not see the influence. This review has not been able to explain the causal relationship between these two factors and sustainable lending, so further research is also required.

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  • University of Indonesia
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Rekan penulisOrganisasiArtikel bersama
Tubagus Nur Ahmad MaulanaAfiliasi tidak diketahui4
Rifki IsmalUniversity of Indonesia3
Tanti NoviantiAfiliasi tidak diketahui3
Bambang JuandaAfiliasi tidak diketahui2
Pamuji Gesang RaharjoAfiliasi tidak diketahui2
Adler Haymans ManurungAfiliasi tidak diketahui2
Noer Azam AchsaniAfiliasi tidak diketahui2
Arif Imam SurosoIPB University2
Rini Dwiyani HadiwidjajaAfiliasi tidak diketahui1
Illah SailahAfiliasi tidak diketahui1
Tatik MariyantiAfiliasi tidak diketahui1
Lokot Zein NasutionAfiliasi tidak diketahui1
Muhammad IqbalHasanuddin University1
Muhammad FirdausAfiliasi tidak diketahui1
Nengsi Puspita DewiAfiliasi tidak diketahui1
Sri Utami LestariAfiliasi tidak diketahui1
Akhmad FauziAfiliasi tidak diketahui1
Dedy YuliawanAfiliasi tidak diketahui1
Linda Karlina SariAfiliasi tidak diketahui1
Nadim Muhammad IqbalAfiliasi tidak diketahui1
Hansen TandraAfiliasi tidak diketahui1
Adi HaryonoAfiliasi tidak diketahui1
Toni BakhtiarAfiliasi tidak diketahui1
Ferry SyarifuddinAfiliasi tidak diketahui1
Anny RatnawatiAfiliasi tidak diketahui1
Yati NuryatiAfiliasi tidak diketahui1
Heni HasanahAfiliasi tidak diketahui1
Aviliani AvilianiAfiliasi tidak diketahui1
Dila VindayaniAfiliasi tidak diketahui1
Alla AsmaraAfiliasi tidak diketahui1
Trias AndatiAfiliasi tidak diketahui1
Astoeti Wahjoe WidiartiAfiliasi tidak diketahui1
Farida FaridaAfiliasi tidak diketahui1
Nunung NuryartonoAfiliasi tidak diketahui1
Eka Intan KPAfiliasi tidak diketahui1
Nadiah HidayatiAfiliasi tidak diketahui1

Afiliasi berasal dari OpenAlex; metadata OAI-PMH jurnal tidak memuatnya. Penulis tanpa ID OpenAlex dicocokkan berdasarkan nama, sehingga dua orang bisa tergabung atau satu orang bisa terpisah.

Sumber metadata: OAI-PMH (metadata jurnal) https://att.aptisi.or.id/index.php/att/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Value Chain and ESG Performance as Determinants of Sustainable Lending in Commercial Bank: A Systematic Literature Review</dc:title>
	<dc:creator xml:lang="en">Adrianus Manurung, Kepas Antoni</dc:creator>
	<dc:creator xml:lang="en">Siregar, Hermanto</dc:creator>
	<dc:creator xml:lang="en">Fahmi, Idqan</dc:creator>
	<dc:creator xml:lang="en">Hakim, Dedi Budiman</dc:creator>
	<dc:subject xml:lang="en">Commercial Bank</dc:subject>
	<dc:subject xml:lang="en">Value Chain</dc:subject>
	<dc:subject xml:lang="en">ESG Performance</dc:subject>
	<dc:subject xml:lang="en">Sustainable Lending</dc:subject>
	<dc:description xml:lang="en">Currently, the topic of sustainability is increasingly discussed, including in lending activities in commercial banks about environmental, social, and governance (ESG) aspects. The positive influence of economic aspects on sustainability is generally accepted, but the influence of ESG aspects on sustainability still has no consensus. These opinions address ESG-oriented credit products and lending activities. This paper has two aims related to research questions. The first aim is to identify the factors that play a role in sustainable lending in commercial banks through the value chain concept; the second aim is to elucidate the relationship between factors that play a role in sustainable lending. To achieve this goal, a systematic literature review (SLR) of 1,073 articles from various scientific journals was conducted. There are 18 articles relevant to the banking industry related to credit (bank lending) that are selected and become references for knowing the determinant factors in sustainable lending. Based on the systematic review, there are 8 value chain articles, 9 ESG performance articles, and 1 economic performance article related to sustainable lending. A total of 15 articles show the potential and positive influence of sustainability, consisting of 7 value chain articles regarding the potential to encourage sustainability and 8 ESG performance articles regarding a positive relationship with sustainability. The review revealed that a value chain and ESG performance are the two dominant factors in sustainable lending. The review also found the influence of ESG aspects on sustainability; some argue that there is a positive influence or the opposite, and some argue that they do not see the influence. This review has not been able to explain the causal relationship between these two factors and sustainable lending, so further research is also required.</dc:description>
	<dc:publisher xml:lang="en">Pandawan</dc:publisher>
	<dc:date>2024-03-31</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://att.aptisi.or.id/index.php/att/article/view/381</dc:identifier>
	<dc:identifier>10.34306/att.v6i1.381</dc:identifier>
	<dc:source xml:lang="en">Aptisi Transactions on Technopreneurship (ATT); Vol. 6 No. 1 (2024): March; 41-55</dc:source>
	<dc:source xml:lang="id">Aptisi Transactions On Technopreneurship (ATT); Vol 6 No 1 (2024): March; 41-55</dc:source>
	<dc:source>2656-8888</dc:source>
	<dc:source>2655-8807</dc:source>
	<dc:source>10.34306/att.v6i1</dc:source>
	<dc:language>en</dc:language>
	<dc:relation>https://att.aptisi.or.id/index.php/att/article/view/381/252</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2024 Kepas Antoni Adrianus Manurung, Hermanto Siregar, Idqan Fahmi, Dedi Budiman Hakim</dc:rights>
	<dc:rights xml:lang="en">https://creativecommons.org/licenses/by/4.0</dc:rights>
</oai_dc:dc>