Sustainable Banking Business Model for Rural Banks in the Philippines




sustainable banking business model, sustainability practices, financial performance, rural banks, quantitative


While rural banks have business strategies to generate and exploit opportunities, they also need to consider economic, social, and environmental facets for sustainability. This study used the survey approach for descriptive-correlational research involving rural banks’ eighty managers or key employees who are knowledgeable about sustainability policies. The researcher employed quantitative tools to analyze the survey's hypothesis. The associations between the variables of a research model were examined using multiple regression analysis. In addition to conducting structured surveys, the researcher examined secondary data on rural banks' financial performance from the Bangko Sentral ng Pilipinas website. Results revealed that sustainable and sound environmental banking practices as well as their capital and loan portfolios significantly influence financial performance. Thus, the current study suggested a sustainable banking model for Philippine rural banks.


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How to Cite

Cabaron, J. B. (2023). Sustainable Banking Business Model for Rural Banks in the Philippines. Recoletos Multidisciplinary Research Journal, 11(1), 15–24.