Ethical banking and socially responsible investment
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Título
Ethical banking and socially responsible investmentAutoría
Tutor/Supervisor; Universidad.Departamento
Balaguer Franch, María Rosario; Universitat Jaume I. Departament de Finances i ComptabilitatFecha de publicación
2019-06-13Editor
Universitat Jaume IResumen
Financial institutions have an important influence on the global economy. Their investment projects can contribute positively or negatively to society. This led social and cultural movements to start promoting criteria ... [+]
Financial institutions have an important influence on the global economy. Their investment projects can contribute positively or negatively to society. This led social and cultural movements to start promoting criteria for the money deposited in these institutions to be invested in projects with social, cultural and environmental commitment, thus favoring the growth of Ethical Banking (BE), whose purpose is not
only focused on economic profit, like traditional banking, but also seeks to support projects with a positive social and environmental impact and including those groups excluded from lending by traditional financial sectors. The financial products offered by ethical banking are very similar to those of traditional banking, but with the characteristics of transparency, participation, coherence and selection criteria in the
projects to be invested. The BE has shown sustainable and progressive growth in recent years, as evidenced by the percentage of savings collected and loans granted. However, countries such as the Netherlands, France, the United Kingdom, Sweden and Italy are more developed than Spain, mainly due to the fact that there are no tax incentives or laws that directly support this business model. In the same order of ideas, Socially Responsible Institutions (SRI) are investments that, in addition to economic
criteria, add social and environmental criteria; at the time the investment is made, the BE constitutes an expression of SRI. Social responsibility as an investment criterion is the axis where sustainable investments are currently focused and is the model towards which financial markets should be directed. Finally, although the development of the BE in Spain has been evident, there must be greater support from the State from the fiscal and regulatory point of view, to further promote this type of financial institutions that contribute to a sustainable economy. [-]
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