ESG FRAMEWORK ASSESMENT IN GREEN FINANCE:A CASE STUDY OF CITI INDONESIAâS DISBURSEMENT CHALLENGES
Currently ESG (Environmental, Social, and Governace) and green finance concept are becoming popular in banking industry. Banking used to focus on how to generate net income margin from being an intermediary party between lending and funding needs. Nowadays, there is a growing trend in banking...
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| 格式: | Theses |
| 語言: | Indonesia |
| 在線閱讀: | https://digilib.itb.ac.id/gdl/view/83726 |
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| 機構: | Institut Teknologi Bandung |
| 語言: | Indonesia |
| 總結: | Currently ESG (Environmental, Social, and Governace) and green finance concept
are becoming popular in banking industry. Banking used to focus on how to
generate net income margin from being an intermediary party between lending and
funding needs. Nowadays, there is a growing trend in banking industry to move
beyond purely financial considerations to incorporate environmental, social, and
governance considerations into the decision-making process.
Green finance disbursement at Citi Indonesia is still classified as low compared to
conventional financing though they have had ESG framework in place which
should have been effective in promoting sustainable investments. This research
aims to investigate the challenges faced by Citi Indonesia in integrating its ESG
framework into its green finance disbursement programs, and to recommend
solutions that can be implemented to overcome these challenges. The research
objectives are to identify the internal and external factors that contribute to the low
disbursement of green finance at Citi Indonesia, explore and analyze customers'
perceptions and decision-making processes towards green finance products,
develop feasible recommendations for Citi Indonesia to increase the disbursement
of green finance, and examine the role of the Otoritas Jasa Keuangan (Indonesia
Financial Services Authority) in promoting green finance.
The study will use interview to collect primary data and literature review for
secondary data. The findings will be analyzed using fishbone diagram for the root
cause analysis, combined with 5-Whys analysis, and PESTEL framework for
external analysis.
The study is expected to contribute to the market deepening of green finance in the
Indonesia banking sector, and provide recommendations for Citi Indonesia to
increase the disbursement of green finance. |
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