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Socially Responsible Lending
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Book Synopsis Socially Responsible Finance and Investing by : H. Kent Baker
Download or read book Socially Responsible Finance and Investing written by H. Kent Baker and published by John Wiley & Sons. This book was released on 2012-08-31 with total page 528 pages. Available in PDF, EPUB and Kindle. Book excerpt: A detailed look at the role of social responsibility in finance and investing The concept of socially responsible finance and investing continues to grow, especially in the wake of one of the most devastating financial crises in history. This includes responsibility from the corporate side (corporate social responsibility) as well as the investor side (socially responsible investing) of the capital markets. Filled with in-depth insights and practical advice, Socially Responsible Finance and Investing offers an important basis of knowledge regarding both the theory and practice of this ever-evolving area of finance. As part of the Robert W. Kolb Series in Finance, this book showcases contributed chapters from professionals and academics with extensive expertise on this particular subject. It provides a comprehensive view of socially responsible foundations and their applications to finance and investing as determined by the current state of research. Discusses many important issues associated with socially responsible finance and investing, like moral hazard and the concept of "too big to fail" Contains contributed chapters from numerous thought-leaders in the field of finance Presents comprehensive coverage starting with the basics and bringing you through to cutting-edge, current theory and practice Now more than ever, we need to be mindful of the social responsibilities of all investment practices. The recent financial crisis and recession has changed the financial landscape for years to come and Socially Responsible Finance and Investing is a timely guide to help us navigate this difficult terrain.
Book Synopsis Socially Responsible Lending by : Yizhe Dong
Download or read book Socially Responsible Lending written by Yizhe Dong and published by . This book was released on 2017 with total page 46 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper studies socially responsible lending (SRL) by examining a unique sample of Chinese commercial banks. We define SRL as loans that are issued to promote social welfare, preserve the environment, develop agriculture, or support small business. We find that state-controlled banks issue less SRL than private banks, which rely on SRL to build credibility and enhance corporate image. Among state-owned banks, central-government-controlled ones respond to SRL-related polices more actively than others. The public sector experience of board directors is associated with more SRL. Finally, board independence and better-educated directors are found to increase SRL.
Book Synopsis The Future of Responsible Lending in India by : Sophie Alice Hadfield-Hill
Download or read book The Future of Responsible Lending in India written by Sophie Alice Hadfield-Hill and published by . This book was released on 2010 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial institutions are becoming increasingly accountable to a broader range of stakeholders, particularly with regard to their lending habits and their subsequent social and environmental footprint. As a consequence, a substantial number of banks, predominantly from the minority world, have voluntarily adopted the Equator Principles, a set of environmentally and socially sound lending guidelines aimed at the project finance industry. It is imperative that Indian banks become signatories; increasingly they are funding national infrastructure growth at the expense of the environment and communities which inhabit areas of development. Previously, Indian bankers have been absent from the Equator dialogue; this research sought to include them and ascertain the future of responsible lending within the Indian context. Across the minority world, responsible lending is entwined with the motivation to become a good corporate citizen. An analysis of Indian corporate social responsibility initiatives demonstrated that a number of financial institutions and corporations are encouraging innovation, sustainable development and independence within their local communities; a positive outcome for the potential of Equator adoption in India. The global financial crisis presently threatens to negate the progress banks have made with their commitment to responsible project finance. However, the reshaping and redefining of the global banking system presents an opportunity for financial institutions worldwide to be more responsible with the allocation of credit on an individual basis and the financing of large-scale development projects. India, at this time of major infrastructure growth, can either develop at the expense of its natural and social environments, or strive towards lifting its population out of poverty within a sustainable, responsible framework.
Book Synopsis Regulating by Values by : Barney Gough
Download or read book Regulating by Values written by Barney Gough and published by . This book was released on 2007-01-01 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Raising Dough written by Elizabeth Ü and published by Chelsea Green Publishing. This book was released on 2013-06-13 with total page 282 pages. Available in PDF, EPUB and Kindle. Book excerpt: More and more entrepreneurs are using food-based businesses to solve social and environmental problems - and yet the majority of them report that a lack of access to capital prevents them from launching, maintaining, or growing their ventures. Raising Dough is an unprecedented guide to the full range of financing options available to support sustainable food businesses. Raising Dough provides valuable insights into the world of finance, including: Descriptions of various capital options, including traditional debt and equity, government grant and loan programs, and cutting-edge models such as crowdfunding and community-based alternatives Guiding questions to help determine which capital options are the most appropriate given the size, stage, entity type, growth plans, mission, and values of an enterprise Case studies and testimonials highlighting the experiences of food system entrepreneurs who have been there before, including both success stories and cautionary tales Referrals to sources of capital, financiers, investor networks, and other financial resources. Written primarily for people managing socially responsible food businesses, the resources and tips covered in this book will benefit social entrepreneurs - and their investors - working in any sector.
Book Synopsis The Economics of Social Responsibility by : Carlo Borzaga
Download or read book The Economics of Social Responsibility written by Carlo Borzaga and published by Routledge. This book was released on 2010-06-10 with total page 392 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book offers a rethinking of the burgeoning research on not-for-profit organizations and socially responsible economics. Adopting a comparative approach, the chapters explore and reinterpret the impact of social enterprises on the provision of general-interest services, work integration, microfinance, and fair trade, and show how these enterprises form the hub of an emerging economy of social responsibility. The book provides a new interpretation of social enterprises as entrepreneurial organizations that pursue social objectives and are successful due to the non-self-seeking motives of their members. This book will be of interest to postgraduate students, professionals working in the not-for-profit sector, and scholars interested in socially responsible economics. It is particularly suitable for seminars and workshops focusing on the management of not-for-profit organizations, sustainable development, and globalization.
Download or read book Sustainable Banking written by Olaf Weber and published by University of Toronto Press. This book was released on 2016-04-06 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt: Sustainable Banking introduces business leaders and students to the many ways in which financial institutions can manage their environmental and social impact and meet the needs of the current generation without compromising the needs of future generations. Olaf Weber and Blair Feltmate go beyond the business case for sustainability: how managing environmental, social, and governance risk can contribute to a bank’s bottom line – to make the sustainability case for banking: how banks and other financial institutions can make a positive impact on society. In their book, Weber and Feltmate discuss the key aspects involved in making a financial institution sustainable: how to manage the direct and indirect impacts of banking activities on the community and the environment, how to minimize and mitigate the environmental footprint of internal operations, and how to account for various types of environmental and social risk in lending and project finance. They also introduce sustainable banking products and strategies being adopted by industry leaders, such as responsible investing, social finance, and impact lending.
Book Synopsis Social Banks and the Future of Sustainable Finance by : Olaf Weber
Download or read book Social Banks and the Future of Sustainable Finance written by Olaf Weber and published by Routledge. This book was released on 2011-03-21 with total page 293 pages. Available in PDF, EPUB and Kindle. Book excerpt: Social Banking describes a way of value-driven banking that has a positive social and ecological impact at its heart, as well as its own economic sustainability. Although it has a long and successful history, it has arguably never been more topical than it is now in the aftermath of the latest financial crisis. Most Social Banks came out of this crisis not only unscathed but much stronger and bigger than they were before. And contrary to their conventional peers, none of the Social Banks had to be bailed out with public funds. This increasingly attracts the interest not only of clients searching for safe and sensible ways to deposit their funds but also of conventional banks that begin to understand the potential of a more socially oriented approach towards banking. Social Banks and the Future of Sustainable Finance is the first book to deliver a comprehensive and detailed overview about the past, present and possible future of Social and Sustainable Banking for researchers, students and a professional audience. The authors are experts from research and practice and have bee involved in Social Banking for many years. Thus they combine state-of-the-art expertise with valuable insider knowledge. The book covers the following topics: the history of Social Banking, the need for Social Banking in the current economy, the particular issues of managing a Social Bank as business enterprise, Social Banking products and services, the special role of donations and foundations for financing change, the opportunities and challenges for Social Banks lying ahead, and concrete directions for the future of Social Banking. In addition to these respective analyses are many real-world examples and interviews with representatives of Social Banks. As such, this comprehensive collection delivers valuable insights for academics, students and professionals who are interested in the growing field of Social Banking.
Download or read book Sustainable Banking written by Olaf Weber and published by University of Toronto Press. This book was released on 2016-01-01 with total page 253 pages. Available in PDF, EPUB and Kindle. Book excerpt: Sustainable Banking introduces business leaders and students to the many ways in which financial institutions can manage their environmental and social impact and meet the needs of the current generation without compromising the needs of future generations. Olaf Weber and Blair Feltmate go beyond the business case for sustainability: how managing environmental, social, and governance risk can contribute to a bank's bottom line - to make the sustainability case for banking: how banks and other financial institutions can make a positive impact on society. In their book, Weber and Feltmate discuss the key aspects involved in making a financial institution sustainable: how to manage the direct and indirect impacts of banking activities on the community and the environment, how to minimize and mitigate the environmental footprint of internal operations, and how to account for various types of environmental and social risk in lending and project finance. They also introduce sustainable banking products and strategies being adopted by industry leaders, such as responsible investing, social finance, and impact lending.
Book Synopsis Well Governed, Sustainable and Socially Responsible Financial Corporations by : Gill North
Download or read book Well Governed, Sustainable and Socially Responsible Financial Corporations written by Gill North and published by . This book was released on 2018 with total page 20 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper considers the efficacy of key reforms across the finance sector since the major crisis in 2008, including capital management standards, responsible lending standards, and the establishment of an incremental framework governing systemically important financial institutions. It suggests that in a best-case scenario, these reforms will enhance the survival prospects of finance entities and the continued functioning of financial systems during extreme events without support from public sources. But without more, these reforms, are unlikely to prevent or mitigate many of the most devastating economic and social costs of financial crises and deep recessions on society. Interest rates are still relatively low and continued access to cheap credit in many countries is undermining lending standards and resulting in levels of indebtedness that are unsustainable and that will exacerbate the resilience of governments and populations in coming decades. Moreover, policies introduced to promote financial stability are not preventing an accumulation of systemic risks and the world is ill-prepared for further financial crises and adverse economic shocks. Mounting systemic risks are exacerbated by fragile financial and economic environments in key areas, high levels of private and or public indebtedness in many countries, greater interconnections between finance and economic activities worldwide, a continuing concentration of assets, liabilities and risks across the finance sector, and increasing levels of financial activity relative to the real economy.
Book Synopsis Socially Responsible Investing For Dummies by : Ann C. Logue
Download or read book Socially Responsible Investing For Dummies written by Ann C. Logue and published by John Wiley & Sons. This book was released on 2009-01-06 with total page 484 pages. Available in PDF, EPUB and Kindle. Book excerpt: Generate a good return as well as goodwill with this guide to ethical investments Want to make money while you make a difference in the world? Socially Responsible Investing For Dummies, a 2010 Green Book Festival award winner, is as practical, hands-on guide to smart social investing that shows you how to maximize your profits while remaining true to your values. You get expert advice in targeting an issue you're passionate about, researching potential investments, and putting your socially responsible choices into action. Get started with social investing basics — understand what it is, why it works, and how investors define social responsibility Navigate the socially responsible enterprise — discover the business principles that help ethical organizations thrive Conduct your research — determine whether an investment has financial potential and also serves your personal needs Evaluate your investment choices — from stocks and bonds to mutual funds and ETFs to real estate and high finance, select the best investments and adjust your portfolio over time Get help from the pros — find brokers, financial planners, and mutual fund companies that can help you with your decisions Ensure your success — see how to diversify, monitor your investments, join forces with others, vote your proxies, keep your perspective, and more Keep up with investment trends — discover how to take advantage of new investment products and stay on top of industry changes Recognize truly socially responsible investments — understand how to tell socially responsible investment opportunities from "feel good" opportunities In Socially Responsible Investing For Dummies you will find: A clear introduction to social investing Issues to invest in, from environmental to international The different types of investments How to buy and sell Fiduciary responsibilities for the social investor How to use your investment clout to influence a company's performance Ten social investing traps you must avoid Activist investing success stories
Book Synopsis The Evolution of Sustainable Investments and Finance by : Francesco Gangi
Download or read book The Evolution of Sustainable Investments and Finance written by Francesco Gangi and published by Springer Nature. This book was released on 2021-03-19 with total page 280 pages. Available in PDF, EPUB and Kindle. Book excerpt: Over the last decade, socially responsible investments (SRIs) have become paramount to both professionals and academics. In the aftermath of the financial crisis of 2007-8, practitioners have become much more involved in new financial models that integrate returns and positive social and environmental impacts. The authors argue that previous irresponsible financial models are anachronistic, and propose a new relationship between stakeholder and shareholder. Starting from the mainstreaming of SRI, this book recovers the social function of banks and the innovative role of crowdfunding and venture capital models. The book offers a unified perspective for firm and funder, making it a timely and invaluable read for scholars and practitioners interested in sustainable development and social impact finance.
Book Synopsis A Corporate Social Responsibility Analysis of Payday Lending by : Chris Robinson
Download or read book A Corporate Social Responsibility Analysis of Payday Lending written by Chris Robinson and published by . This book was released on 2017 with total page 33 pages. Available in PDF, EPUB and Kindle. Book excerpt: We conclude based on our analysis that the payday loan industry appears to be, at present, an example of what Schwartz and Carroll (2003, pp. 513-514) label as an “economic/legal” industry, as it appears to focus only on maximizing profit and shareholder value while sometimes falling within the legal domain but clearly outside the ethical domain. Our CSR assessment and the evidence we present supports the case for additional government regulation. Another more extreme public policy alternative is to ban payday lending altogether, which as indicated has already been enacted across several jurisdictions. The evidence provided above provides considerable support for a ban, given the current lack of appropriate CSR practices of the industry and the apparent absence of proper self-regulation.
Book Synopsis Microfinance for Bankers and Investors, Part 4 - Socially Responsible Returns by : Elizabeth Rhyne
Download or read book Microfinance for Bankers and Investors, Part 4 - Socially Responsible Returns written by Elizabeth Rhyne and published by McGraw Hill Professional. This book was released on 2009-05-18 with total page 34 pages. Available in PDF, EPUB and Kindle. Book excerpt: The following chapter is from Microfinance for Bankers and Investors. Written in a non-academic, direct style, it is enhanced with detailed case studies that showcase innovative and entrepreneurial ventures into microfinance by some of the world's best-known corporations such as Citibank, Visa Inc. and Wal-Mart. The company-cases help bring microfinance to life, recounting the motivations that led these companies into inclusive finance, the opportunities, and the obstacles they saw and the results they have experienced so far.
Book Synopsis Financing Sustainability by : Marco Kerste
Download or read book Financing Sustainability written by Marco Kerste and published by VU Uitgeverij. This book was released on 2011 with total page 224 pages. Available in PDF, EPUB and Kindle. Book excerpt: Sustainability thinking is rapidly gaining traction. It offers an inspiring vision for the future of the world and provides significant business and investment opportunities. Based on insights from over 300 empirical studies, this book explores the possibilities in the field of renewable energy finance, carbon trading, and sustainable investing. In addition, it describes innovative finance mechanisms – such as green bonds and peer-to-peer lending – that may further spur environmental and social sustainability. By taking an empirical, fact-based approach, this book aims to provide investors, business executives, and policymakers with a more thorough understanding of how sustainable finance can create value for business and society. Key words: Sustainable finance, renewable energy finance, cleantech, green investing, sustainable investments, responsible investments, carbon trading, carbon finance, ESG, impact investing.
Book Synopsis Corporatesocialresponsibility,ethicsandsustainableprosperity by : Boubaker Sabri
Download or read book Corporatesocialresponsibility,ethicsandsustainableprosperity written by Boubaker Sabri and published by World Scientific. This book was released on 2019-06-06 with total page 500 pages. Available in PDF, EPUB and Kindle. Book excerpt: Corporate activities are not only drivers of economic growth but also key actors of the changes towards more sustainable markets and environment as well as inclusive development. Significant efforts have recently been devoted to transform private and public firms alike from pure economic-oriented organizations to entities that deliberately and diligently create value without neglecting social and environmental implications of their activities. Firm performance, resilience, and survival are nowadays, more than ever before, dependent on how they consciously and purposefully engage in appropriate corporate social responsibility (CSR) strategies and actions.This book, Corporate Social Responsibility, Ethics and Sustainable Prosperity, will provide all readers, including investors, managers, lawmakers, and policymakers with an up-to-date, comprehensive, and thoughtful coverage of CSR and ethical issues at the crossroads of different finance and management disciplines. It contains a rich collection of insightful studies covering a wide range of topics in corporate ethics, CSR, and sustainable prosperity. Together, these studies help readers deepen their knowledge on different country environments and various organizational forms, policies, and activities. The book is composed of 16 chapters which are divided into two interconnected parts: Part I addresses ESG and ethical issues in corporate decision-making, while Part II provides insights towards sustainable prosperity.
Book Synopsis The Impact of ESG Performance on Cost of Debt via Credit Risk. A Case for Sustainability-Linked Loans in Europe by : Florian Porzel
Download or read book The Impact of ESG Performance on Cost of Debt via Credit Risk. A Case for Sustainability-Linked Loans in Europe written by Florian Porzel and published by GRIN Verlag. This book was released on 2021-02-17 with total page 71 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2020 in the subject Business economics - Investment and Finance, grade: 1,0, Erasmus University Rotterdam (Rotterdam School of Management), course: Finance / Sustainable Finance, language: English, abstract: This thesis, graded with summa cum laude, examines the effect of Corporate Social Responsibility (CSR) expressed through Environmental, Social, and Governance (ESG) scores on firms’ cost of debt on two distinct layers with a particular interest on the economic mechanism through which sustainability performance unfolds. Three distinct economic channels for the effect of corporate sustainability on the cost of debt capital are established, namely governance strengths, information asymmetry, and credit risk. The work provides evidence that the latter is primarily responsible for lower debt premia to sustainable borrowers. First, on firm-level, it is shown that superior ESG performance can offset cost of debt by 0.45% for a one standard deviation improvement on ESG performance. In current times of global climate stress with environmental anomalies happening at a daily rate, business actions are understood to play the pivotal role in fighting the most pressing concern in contemporary human history – the transition towards a sustainable economic model. In fact, in order to reach the ambitious sustainability target set by the European Union to reach carbon neutrality by 2050, additional sustainable investments of EUR175 to EUR290 billion are in demand annually. As such, the scaling up of private sector investments entered as key element into the EU Sustainable Finance Action Plan launched by the European Commission in 2018. And although the first climate change bankruptcy with PG&E Corp. failing to meet potential liabilities of around USD30 billion resulting from wildfires already occurred, the need for sustainable adaptation of business practices is erroneously evaluated against hypothetical scenarios or a debatable model of the long-term effects of change.
