Donsyah Yudistira Loughborough University   Department of Economics Loughborough University Ashby Road Loughborough, LEICS LE11 3TU UK   donsyah@hotmail.com   http://www.geocities.com/d_yudistira       Primary Research Focus: Financial Intermediation, Financial Economics, Corporate Finance.   JEL Areas: G2 : Financial Institutions and Services: General G3 : Corporate Finance and Governance: General