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"This paper presents a study of sustainable rating systems for sustainable housing that have been developed by various countries around the world. The objective of this study is to develop aframework for a rating system for housing development by taking into account local requirements. There are numerous sustainable rating systems for buildings and groups of buildings that have been developed and rating tools like Comprehensive Assessment System forBuilding Environmental Efficiency (CASBEE), Leadership in Energy and Environmental Design (LEED), British Research Establishment Environmental Assessment Method (BREEAM), Green Building (GB) Tool and Green Star influential in the development of otherrating systems. Malaysia has recently launched a rating system for buildings called the Green Building Index (GBI). However, Malaysia hasyet to introduce a rating system for measuring sustainable practices in housing development. Hence, this paper reviews some available toolsrelated to the rating of housing developments for the purpose of developing one for Malaysia. Important factors for developing a tool for measuring sustainability practices should includesustainability criteria that relates to the environment, society, economics, site/land use, communication, and transportation. An index for measuring sustainability in housing development will be developed to suit the local context. The formulated index will take into consideration the parameters in sustainable housing developed by various systems around the world. The index, called A Comprehensive Assessment System for Sustainable Housing (CASSH), will be available for further testing. "

"This paper presents a study of sustainable rating systems for sustainable housing that have been developed by various countries around the world. The objective of this study is to develop a framework for a rating system for housing development by taking into account local requirements. There are numerous sustainable rating systems for buildings and groups of buildings that have been developed and rating tools like Comprehensive Assessment System for Building Environmental Efficiency (CASBEE), Leadership in Energy and Environmental Design (LEED), British Research Establishment Environmental Assessment Method (BREEAM), Green Building (GB) Tool and Green Star influential in the development of other rating systems. Malaysia has recently launched a rating system for buildings called the Green Building Index (GBI). However, Malaysia has yet to introduce a rating system for measuring sustainable practices in housing development. Hence, this paper reviews some available tools related to the rating of housing developments for the purpose of developing one for Malaysia. Important factors for developing a tool for measuring sustainability practices should include sustainability criteria that relates to the environment, society, economics, site/land use, communication, and transportation. An index for measuring sustainability in housing development will be developed to suit the local context. The formulated index will take into consideration the parameters in sustainable housing developed by various systems around the world. The index, called A Comprehensive Assessment System for Sustainable Housing (CASSH), will be available for further testing."

"Sektor perbankan memainkan peran penting dalam implementasi keuangan berkelanjutan di Indonesia. Penelitian ini bertujuan mengkaji perkembangan kerangka hukum terkait keuangan berkelanjutan di sektor perbankan untuk menjaga stabilitas sistem keuangan dalam konteks pembangunan berkelanjutan. Penelitian ini menganalisis perbandingan kerangka hukum kebijakan keuangan berkelanjutan di Indonesia dengan praktik terbaik di Eropa dan Asia serta kebijakan keuangan berkelanjutan dan aspek Environmental, Social and Governance (ESG) khususnya di sektor perbankan, sesuai dengan peraturan perundang-undangan yang ada. Metode penelitian yang digunakan adalah gabungan metode hukum doktrinal dan non-doktrinal dengan bahan hukum primer, sekunder, dan tersier. Teknik pengolahan data menggunakan pendekatan kualitatif deskriptif. Penelitian ini menganalisis secara komprehensif Sustainability Report dari 10 bank yang dipilih secara purposive dan menggunakan pendekatan perbandingan dengan negara lain. Hasil penelitian menunjukkan bahwa pengembangan keuangan berkelanjutan di Indonesia masih dalam tahap awal tetapi telah menunjukkan kemajuan signifikan dengan potensi besar untuk berkembang melalui pembelajaran dari praktik terbaik negara lain dan memperkuat kolaborasi antar pemangku kepentingan. Implementasi keuangan berkelanjutan di sektor perbankan Indonesia bervariasi berdasarkan KBMI (Kelompok Bank Berdasarkan Modal Inti). KBMI 1 berada pada tahap awal implementasi dengan fokus pada pemenuhan regulasi dasar. KBMI 2 mulai mengadopsi praktik lebih kompleks seperti kredit hijau. KBMI 3 memiliki program lebih terstruktur dan produk serta layanan berkelanjutan seperti obligasi hijau. KBMI 4 menjadi pelopor dengan portofolio investasi hijau besar dan integrasi ESG yang mendalam.

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The banking sector plays a crucial role in the implementation of sustainable finance in Indonesia. This study aims to examine the development of the legal framework related to sustainable finance in the banking sector to maintain the stability of the financial system in the context of sustainable development. This research analyzes the comparison of the legal framework for sustainable finance policies in Indonesia with best practices in Europe and Asia, as well as sustainable finance policies and Environmental, Social, and Governance (ESG) aspects specifically in the banking sector, in accordance with existing laws and regulations. The research method used is a combination of doctrinal and non-doctrinal legal research methods, with primary, secondary, and tertiary legal materials. Data processing techniques use a descriptive qualitative approach. This study comprehensively analyzes the Sustainability Reports of 10 banks selected purposively and uses a comparative approach with other countries. The results of the study indicate that the development of sustainable finance in Indonesia is still in its early stages but has shown significant progress with great potential for growth by learning from the best practices of other countries and strengthening stakeholder collaboration. The implementation of sustainable finance in Indonesia's banking sector varies based on KBMI (Core Capital-Based Bank Groups). KBMI 1 is at the initial stage of implementation with a focus on meeting basic regulations. KBMI 2 has begun to adopt more complex practices such as green credit. KBMI 3 has more structured programs and sustainable products and services such as green bonds. KBMI 4 is a pioneer with a large green investment portfolio and deep ESG integration."

"Kegiatan pembangunan dan aktivitas tambang memiliki efek positif terhadap perekonomian, namun kegiatan tersebut berdampak negatif terhadap lingkungan hidup. Meskipun kegiatan usaha bank tidak secara langsung berdampak negatif terhadap lingkungan, penyaluran kredit kepada bank terhadap proyek maupun kegiatan usaha tersebut berkontribusi terhadap kerusakan lingkungan. Untuk meminimalkan kerusakan lingkungan yang terjadi akibat aktivitas tersebut, pemerintah menginisiasikan keuangan berkelanjutan yang salah satunya wajib dijalankan oleh bank dalam penyaluran kredit. Untuk mendukung aktivitas keuangan berkelanjutan di Indonesia, Pemerintah Indonesia menerbitkan peraturan perundang-undangan yang ditujukan kepada bank untuk menerapkan keuangan berkelanjutan dalam penyaluran kredit. Muatan terkait penyaluran kredit dengan memerhatikan keuangan berkelanjutan terdapat dalam Undang-Undang Nomor 7 Tahun 1992 tentang Perbankan dan terakhir diatur dalam Undang-Undang Nomor 4 Tahun 2023 tentang Pengembangan dan Penguatan Sektor Keuangan (UU P2SK). Sebagai salah satu bank terbesar di Indonesia, PT Bank X (Persero) Tbk. (Bank X) sudah menerapkan keuangan berkelanjutan dalam penyaluran kredit. Salah satu aktivitas penyaluran kredit dengan memerhatikan keuangan berkelanjutan yang dilakukan oleh Bank X adalah menyalurkan kredit terhadap sektor yang berkelanjutan. Dalam penulisannya, skripsi ini menggunakan metode penelitian doktrinal yang berfokus terhadap penerapan prinsip dan norma dalam hukum positif. Skripsi ini akan membahas terkait pengaturan penyaluran kredit bank dengan memerhatikan keuangan berkelanjutan di Indonesia dan kebijakan penyaluran kredit berdasarkan keuangan berkelanjutan pada Bank X setelah UU P2SK. Kesimpulan dari skripsi ini adalah Pemerintah Indonesia sudah menerbitkan berbagai peraturan perundang-undangan yang memuat unsur keuangan berkelanjutan dalam penyaluran kredit. Kemudian, terdapat kebijakan Bank X yang selaras dengan penyaluran kredit dengan memerhatikan keuangan berkelanjutan yang terdapat  dalam UU P2SK.

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Development activities and mining operations had a positive impact on the economy, however, both activities had a negative impact on the environment. Even though banking activities didn’t directly cause a negative environmental impact, the credit loan to those projects made the bank contribute to the environmental damages. To minimize the environmental damage by credit loan activities, the government has initiated sustainable finance which is mandatory for banks on credit loan activities. To support sustainable activities in Indonesia, the Indonesian government has issued laws that are directed toward to financial services sector to implement sustainable finance in credit loans. The provisions related to credit distribution considering sustainable finance are stipulated in the Banking Law Number 7 of 1992 and recently enacted in Law Number 4 of 2023 concerning the Development and Strengthening of the Financial Sector (Law P2SK). As one of the largest banks in Indonesia, PT Bank X (Persero) Tbk. (Bank X) has already implemented sustainable finance in its credit loan activities. One of the activities carried out by Bank X in credit distribution with consideration for sustainable finance is providing credit to sustainable sectors. This thesis, therefore, employs the doctrinal research method, which focuses on applying principles and norms in positive law. The thesis discusses the regulation of bank credit distribution considering sustainable finance in Indonesia and the policies for providing credit based on sustainable finance at Bank X after the enactment of Law P2SK. The conclusion of this thesis is Indonesian government has issued various regulations that incorporate elements of sustainable finance in credit distribution. Furthermore, Bank X has policies that align with the provisions of sustainable finance in credit distribution under Law P2SK."

"Tren pembangunan perumahan berkelanjutan yang diberi label green semakin naik dikalangan pengembang dan juga masyarakat. Salah satu manfaat yang diperoleh pengembang dengan menerapkan konsep green adalah sebagai pendorong terjadinya market driven yang lebih besar. Hal ini menjadi strategi baru developer untuk meraih profit. Tetapi hal ini tidak menjamin bahwa perumahan yang mereka bangun sudah memenuhi konsep pembangunan berkelanjutan maka dari itu penelitian ini dibuat untuk meneliti seberapa besar penerapan pembangunan berkelanjutan telah diterapkan. Dengan menggunakan sertifikasi world green building council dari negara Indonesia, Malaysia, Singapura, dan Amerika didapatkan bahwa pada perumahan x hanya mendapatkan penilaian 34 untuk Greenship Indonesia, 21 untuk GBI Malaysia, 22.5 untuk Green Mark Singapura, dan 7.7 untuk LEED Amerika.

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The development trend of sustainable housing that is labeled green getting up among developers and communities. One of the benefits obtained by applying the concept of green development is greater market driven. This has become a new strategy to achieve a profit for developer. But this does not guarantee that the housing they built has fulfilled the concept of sustainable development and therefore the study was made to examine how much the implementation of sustainable development has been applied. By using certification from World Green Building Council of state of Indonesia, Malaysia, Singapore, and USA found that in the Housing X only get ratings 34 for Greenship Indonesia, 21 for GBI Malaysia, 22.5 for Green Mark Singapore, and 7.7 for LEED USA."