Transfer of responsible lending practices in an MNC - Case of a consumer finance company

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dc.contributor Aalto University en
dc.contributor Aalto-yliopisto fi
dc.contributor.author Ketonen, Wilhelmiina
dc.date.accessioned 2012-07-02T10:20:38Z
dc.date.available 2012-07-02T10:20:38Z
dc.date.issued 2011
dc.identifier.uri https://aaltodoc.aalto.fi/handle/123456789/3811
dc.description.abstract AALTO UNIVERSITY SCHOOL OF ECONOMICS ABSTRACT: International Business Master’s Thesis December 20, 2011 Wilhelmiina Ketonen Transfer of Responsible Lending Practices in an MNC - Case of a Consumer Finance Company Objectives of the study Existing literature has not paid proper attention to the transfer of value-infused practices in multinational corporations (MNCs) and has similarly neglected the individual actor in transfer situations. Overall, transfer processes have been viewed too simplistically. The aim of this study was to study the transfer of a value-infused practice, responsible lending, within an MNC and its local subsidiary. Furthermore, it aimed to identify the role of individual employees in a transfer situation. Therefore, the study presented two main research questions 1) What kind of responsible lending practices does a subsidiary implement locally? How are they implemented across organizational levels within the subsidiary? 2) How are these practices transferred from the corporate headquarters via regional headquarters to the local subsidiary? Methodology This thesis was conducted as a single case study, consisting of qualitative, semi-structured interviews and supportive use of documentation. Altogether fifteen interviews were conducted, thirteen at the local subsidiary level and two at the regional headquarters level. The practices of the corporate headquarters were in turn determined through documentation and the above-mentioned interviews. Findings and Conclusions This study shows that responsible lending is important and implemented within the entire organization, since it is viewed as an obvious choice for operators in the financial industry and as strategically important. However, these practices are hardly transferred from the headquarters to the subsidiary or within the subsidiary. The reason why responsible lending practices do not transfer is because of the social and cultural determinants, the nature of relationships within the organization, the value-infused nature of the practice, and because the practice seems to be taken for granted. Therefore, this study contributes to the existing literature by representing the concept of negative transfer and depicting how value-infused practices and individual actors affect the transfer situation. Keywords responsible lending, transfer of organizational practices, MNCs, corporate social responsibility, value-based practices, institutional theory en
dc.format.extent 163
dc.format.mimetype application/pdf en
dc.language.iso en en
dc.title Transfer of responsible lending practices in an MNC - Case of a consumer finance company en
dc.type G2 Pro gradu, diplomityö fi
dc.contributor.school Kauppakorkeakoulu fi
dc.contributor.school School of Economics en
dc.contributor.department Department of Management and International Business en
dc.contributor.department Johtamisen ja kansainvälisen liiketoiminnan laitos fi
dc.subject.keyword responsible lending
dc.subject.keyword transfer of organizational practices
dc.subject.keyword MNCs
dc.subject.keyword corporate social responsibility
dc.subject.keyword value-based practices
dc.subject.keyword institutional theory
dc.identifier.urn URN:NBN:fi:aalto-201305163191
dc.type.dcmitype text en
dc.programme.major International Business en
dc.programme.major Kansainvälinen liiketoiminta fi
dc.type.ontasot Master's thesis en
dc.type.ontasot Pro gradu tutkielma fi
dc.subject.helecon kansainväliset yhtiöt
dc.subject.helecon international companies
dc.subject.helecon rahoitus
dc.subject.helecon financing
dc.subject.helecon luotto
dc.subject.helecon credit
dc.subject.helecon vastuu
dc.subject.helecon responsibility
dc.subject.helecon etiikka
dc.subject.helecon ethics
dc.subject.helecon yhteiskuntavastuu
dc.subject.helecon corporate responsibility
dc.subject.helecon arvot
dc.subject.helecon values
dc.ethesisid 12855
dc.date.dateaccepted 2012-02-03
dc.location P1 I


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