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Abstrak :
The permanent building societies of England grew from humble beginnings as a multitude of small and localized institutions in the nineteenth century to become the dominant players in the house mortgage market by the interwar period. The movement cultivated an image of being a champion of home ownership for the working classes, but housing historians have questioned whether building societies really lived up to this claim. This book fills a major gap in the historiography of the movement by investigating the class profile of building society members, and how the design of different building societies affected their accessibility, efficiency, and risk-taking practices between 1880 and 1939. These themes are explored through a case study approach, the results of which show that building societies did lend to working-class households before the first and second world wars, with some societies showing a greater commitment to working-class home ownership than others. The phenomenal growth of some of these institutions in the interwar period and the ensuing competition which emerged between them brought about profound changes in their firm structure which impaired their ability to reach out to lower-income households as efficiently as before. The findings of this research are relevant to both past and present debates about the optimal design of financial institutions in overcoming social exclusion in credit markets, and the deleterious effects that firm growth, market competition, and managerial self-interest can have on their performance and stability.

Abstrak :
Penelitian ini bertujuan untuk menginvestigasi kepatuhan atau pengungkapan penjelasan atas ketidakpatuhan terhadap pedoman tata kelola 32/SEOJK.04/2015 setelah 1 tahun berlaku secara efektif di tahun 2016. Dengan menggunakan sampel 386 perusahaan terbuka di sektor nonkeuangan yang terdaftar di Bursa Efek Indonesia, penelitian ini membuktikan bahwa skor pengungkapan terkait implementasi pedoman tata kelola masih sangat timpang. Berdasarkan teori keagenan dan teori sinyal, menggunakan regresi OLS, penelitian ini juga memberikan bukti bahwa kepatuhan atau pengungkapan atas ketidakpatuhan mempunyai pengaruh positif terhadap kinerja perusahaan, baik kinerja keuangan dan kinerja pasar, terutama terkait Dewan Komisaris. Implikasi dari hasil penelitian menunjukkan kepada regulator untuk meningkatkan implementasi pedoman tata kelola dan meningkatkan kesadaran investor terhadap implementasi mekanisme tata kelola perusahaan. ...... This study aims to investigate compliance or disclosure of non compliance with governance guidelines 32 SEOJK.04 2015 after its first year effectively implemented in 2016. Using a sample of 386 listed companies in the non financial sector listed on the Indonesia Stock Exchange, this study proves that the disclosure scores related to governance is still limp. Based on agency theory and signalling theory, using OLS regression, this study also provides evidence that compliance or disclosure of non compliance has a positive impact on the company rsquo s performance, both financial performance and market performance, especially regarding Board of Commissioners. This research signals the regulators to enforce the implementation of governance guidelines and increase investor awareness regarding implementation of good corporate governance mechanisms.

Abstrak :
ABSTRAK
Penelitian ini menganalisis perbedaan mendasar konsep keuangan berkelanjutan dan konsep keuangan tradisional menggunakan parameter oleh Soppe 2004. Selain itu penelitin ini juga menganalisis penerapan keuangan berkelanjutan pada Bank ABC menggunakan parameter dari Soppe 2004 dan POJK nomor 51. Berdasarkan penelitian studi kasus yang didukung dengan data primer dan sekunder, penelitian ini menunjukkan bahwa Bank ABC telah memenuhi seluruh parameter penerapan keuangan berkelanjutan oleh Soppe 2004 yakni Theory of the Firm, Human Nature of Economic Actors, Ownership Paradigm, dan Ethical Framework. Selain itu, Bank ABC pun telah menunjukkan upaya maksimal dalam pemenuhan ketentuan keuangan berkelanutan berdasarkan POJK nomor 51 yang mewajibkan lembaga jasa keuangan untuk menerapkan delapan konsep prinsip keuangan berkelanjutan, penyusunan Rencana Aksi Keuangan Berkelanjutan, serta penyusunan laporan keberlanjutan perusahaan. Berdasarkan hasil analisis, Bank ABC pun dapat dikatakan telah menerapkan konsep keuangan berkelanjutan. ABSTRACT> This study analyzes the fundamental differences of sustainable finance and traditional finance using parameters by Soppe 2004. In addition to that, this study also analyzes the implementation of sustainable finance in Bank ABC using parameters from Soppe 2004 and POJK 51. Based on case study approach supported by primary and secondary data, this study shows that Bank ABC has fulfill all parameters of sustainable finance implementation by Soppe 2004, such as Theory of the Firm, Human Nature of Economic Actors, Ownership Paradigm, and Ethical Framework. In addition, Bank ABC has also demonstrated its maximum effort in fulfilling sustainable finance implementation obligations under POJK 51 which requires financial institutions to apply eight principles of sustainable finance, prepare a Sustainable Financial Action Plan and sustainability report. Based on the analysis, it can be concluded that Bank ABC has implemented sustainable finance.