Title: Assessing the effectiveness of green loans in promoting eco-friendly practices among women borrowers

Authors: R. Naveen Kumar; A. John William; V. Yuvaraj; R. Pavithra; M. Janani

Addresses: Institute of Management, School of Business and Management, Kristu Jayanti Deemed to be University, Bengaluru, Karnataka, India ' Institute of Management, School of Business and Management, Kristu Jayanti Deemed to be University, Bengaluru, Karnataka, India ' Department of Statistics, Kristu Jayanti Deemed to be University, Bengaluru, India ' School of Sciences and Computer Studies, CMR University, Bengaluru, India ' Department of Professional Accounting and Finance, School of Commerce, Accounting and Finance, Kristu Jayanti Deemed to be University, Bengaluru, India

Abstract: Green banking is a holistic approach to sustainability in banking, encompassing social, environmental, and economic aspects. It includes online banking, unique accounts, and eco-friendly loan options. This shift involves internal changes within financial institutions, assessing environmental impact before financial backing. Green banks are ethical, environmentally responsible, socially conscious, or sustainable. Banks are now recognising the risks associated with environmental practices and are actively collaborating with stakeholders to assess clients' investments, recognising the importance of green banking in mitigating these risks within the banking sector. The study analysed 76 participants in green loan borrowing, categorising them into low- and high-risk groups based on credibility. It provides insights into financial institutions' support for women borrowers, highlighting their benefits, challenges, and satisfaction levels, and recommending improvements for sustainable finance.

Keywords: green banking; eco-friendly loan options; online banking; sustainability in banking; women borrowers.

DOI: 10.1504/IJICBM.2026.154067

International Journal of Indian Culture and Business Management, 2026 Vol.38 No.1, pp.94 - 111

Received: 07 Oct 2023
Accepted: 18 Jan 2024
Published online: 11 Jun 2026 *

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