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The integration of economic, social and environmental goals in a leasing product for a financial institution in an African country:
Pena, Roberto Patrus Mundim,1967-Co-orientador Bettencourt, Patricia
Pena, Roberto Patrus Mundim,1967-Co-orientador
Bettencourt, Patricia
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Abstract
How can a commercial bank contribute to the overall national development of a developing country with its products and services? Is it possible that a commercial bank offers a product that is simultaneously economically viable, socially fair and environmentally correct? Those were the questions that guided the production of this paper. It is a case study undertaken at Millennium bim, a Mozambican commercial bank. The object of this study is a specific program/product denominated “More Taxi for Me”. This product results from a partnership between Millenium bim and the Maputo Taxi drivers Association, which made possible the offer of a leasing product in order to buy more recent vehicles with special terms to the taxi drivers. The theoretical referential describes Lozano’s Business Ethics model (1999), from the organisation accomplished by Pena (2004), and it suggests the integrated sustainability concept in reverse of the compensating sustainability one. It is an explorative nature case study whose data was collected from semi structured interviews. The data analysis revealed the empiric realization from the integration viability between a company’s economic advantages and the community’s social development, through a financial product which aggregates social qualities. It has also been concluded that from a sustainability point of view over the business there are chances of improving Taxi Leasing, mainly in its environmental dimension.
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Preprint
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2008
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With permission of the license/copyright holder