Community bank managers are struggling with the implementation of the many new regulations promulgated over the past several years. The purpose of this qualitative multiple case study was to explore strategies community bank managers in Pennsylvania use to implement new financial regulations. The population of interest included all community banks in Pennsylvania. For purposes of this study, a community bank was defined in terms of an asset size less than $500 million. Two community banks in Pennsylvania were selected, and 3 participants at each bank were interviewed. The participants included the chief executive officer, the compliance manager, and a mortgage lender. The transcribed interviews were analyzed using keyword frequency comparisons and cluster analysis. Member checking and triangulation of interview data and public company data (e.g., press releases) were employed to ensure trustworthy interpretation of data. Four major themes were identified, including leadership, training, collaboration, and organizational structure. Systems theory was the conceptual framework that guided this multiple case study. The board of directors, senior managers, and compliance managers can apply the recommendations to improve the approach to regulatory implementation in their organizations. The implication for positive social change includes the potential to sustain or increase the availability of loans to small businesses in the United States.

Submitted by (edna.saturno@ufrpe.br) on 2016-05-18T12:07:43Z No. of bitstreams: 1 Aluisio Gondim da Silva.pdf: 1097327 bytes, checksum: d1fac4c24da22f7b033d423dc7255298 (MD5) / Made available in DSpace on 2016-05-18T12:07:43Z (GMT). No. of bitstreams: 1 Aluisio Gondim da Silva.pdf: 1097327 bytes, checksum: d1fac4c24da22f7b033d423dc7255298 (MD5) Previous issue date: 2009-03-26 / The lending related to microcredit at Brazil has been a source of floating capital and financing investment to microbusiness leaded by entrepreneurs or low incoming families. Its introduction into poorest families' universe and the shocking over social reality of those families make this initiative a possible solution against poverty. The general subject of this work was to identify the performance of a variant into microcredit, namely Community Banks Methodology, through accompanying collected results of families living at Greater Recife. This work analyses the profile of some areas residents at Greater Recife that has been around two years of Community Banks Methodology. A qualitative analyses was made by a 94 loan takers data survey and linear regression models was estimated to testify hypothesis in community banks influence over microbusiness performance pertaining to these takers. The study concludes that there is a positive contribution of Community Banks Methodology, showing that this maturing process helps the productive activities development and a family health increase. This work has its theoretically basis at non perfect information models, allowing the perception over asymmetric information issues, adversative selection and moral risk impacting the interest rate finds a solution in Community Banks structure to decrease hardness forced by these problems to the credit market. / Os empréstimos relacionados ao microcrédito no Brasil têm sido uma fonte de capital de giro para atividades econômicas. Sua inserção no universo das famílias mais pobres e o impacto que provoca na realidade social das famílias o tornaram um efetivo instrumento de combate a pobreza. O objetivo geral deste trabalho foi identificar na Metodologia de Bancos Comunitários fatores que reduzem o problema de informação assimétrica, seleção adversa e do risco moral para aumentar o nível de renda das famílias. O estudo analisa o perfil de todos os membros que estão a mais de dois anos sob a metodologia de Bancos Comunitários. Através de um levantamento bibliográfico e documental com 94 atividades produtivas, onde foi realizada uma análise descritiva e uma regressão das variáveis levantadas pelo método econométrico dos mínimos quadrados. Algumas questões levantadas neste trabalho identificaram que existe uma relação entre a melhoria da renda e a Metodologia de Bancos Comunitários, onde o amadurecimento do processo ajuda a desenvolver as atividades produtivas e melhorar a qualidade de vida da família. Também foi constatado que as mulheres empreendedoras casadas sofrem uma perda na variação da renda em relação aos homens. Com relação ao problema de informação assimétrica, seleção adversa e risco moral que impacta na taxa de juro das Instituições de Microcrédito, encontra-se na estrutura de Bancos Comunitários um instrumento de solução para novas práticas de juros reduzidos. A conclusão deste trabalho é que existe uma relação entre a melhoria da renda das atividades pesquisadas e a Metodologia de Bancos Comunitários, onde o amadurecimento do processo ajuda a desenvolver as atividades produtivas e melhorar a qualidade de vida da família.

Research Question: What is the strategic orientation that community banks in Sweden adopt? What are the Gen Z preferences concerning these strategic orientations? Purpose: By using two different methodological approaches, the objective of this study is to answer two questions concerning the organization’s strategic orientation. Essentially, the authors have conducted a qualitative study to explore the strategic orientation which community banks in Sweden adopt. Additionally, a quantitative survey has been carried out to surface the generation Z's preferences on the question of strategic orientation. Method: The research methodology steering this thesis will be conducted using the research onion model. This implies that the methodology will be divided into layers including, the research approaches, the research strategy, the research choice, the time horizon of the study, as well as the techniques and procedures concerning the data collection and data analysis. Eventually, the authors discuss the quality criteria by referring to the interview’s credibility, confirmability, transferability, dependability, and the survey’s reliability and validity and applicability. Conclusion: The findings derived from an interview with the three managers have shown that community banks in Sweden adopt brand orientation, whereas the empirical findings have revealed that generation Z has hybrid orientation, meaning that generation preferences are located in the middle ground between the brand orientation and market orientation.

Made available in DSpace on 2016-06-02T20:38:26Z (GMT). No. of bitstreams: 1 4107.pdf: 3456084 bytes, checksum: b0551b9f73d9266af60aa2ae1ed02650 (MD5) Previous issue date: 2011-12-13 / The present work is aimed at exploiting the relationship between city and work, from the study of two democratic experiences: a self-managed joint effort (mutirão) and a community bank in the city of Sao Paulo. These two experiences show us that the social movements constantly need new ways of carrying out their actions in order to renew participation and strengthen the social organization towards the creation of a political community. Both the community bank, that broadens the range of the discussion on the endogenous circulation of money and on the possibility of higher consumption in the area, and the self-managed joint effort (mutirão), which intensifies the access to rights and to participation, are, however, experiences that struggle with huge difficulties and are perhaps weak as alternatives to the capitalist processes of sociability. In spite of that, they show themselves to be, in the very core of the system, capable of transforming previously precarious realities. / Este trabalho tem como objetivo explorar a relação entre cidade e trabalho a partir da análise de duas experiências democráticas: um mutirão autogestionário e um banco comunitário na cidade de São Paulo. Essas duas experiências nos mostram que os movimentos sociais precisam constantemente de novas formas de atuação para renovar a participação e fortalecer a organização social na direção da formação de uma comunidade política. Tanto o Banco Comunitário, que amplia a discussão em torno da circulação endógena do dinheiro e da possibilidade de maior consumo na localidade, quanto o mutirão autogestionário, que intensifica o acesso aos direitos e à participação, são, no entanto, experiências que enfrentam enormes dificuldades e são talvez frágeis como alternativas aos processos de sociabilidade capitalista. Porém, vão se revelando, no interior mesmo do sistema, transformadoras de realidades antes precárias.

This study investigates the impact of technological advancement in community bank lending, more specifically, how online financial product and service offerings affect community banks' performance. Community banks, institutions with assets under $1 billion are praised as relationship banking specialists, are important source of credit to individuals and businesses. Their productive performance is highly beneficial for the economic development of the communities and customers that they serve, yet community banks' competitive power against large banks has become increasingly more challenging. Technological advancements radically shift all production and service based industries, including the banking industry and its institutions' offerings. The increasing use of online products and services provides convenience for bank customers, and eventually creates more demand, and boosts up the industry competition. Regarding the impact of technological advancements in the banking industry and the specific position that community banks carries, the question arises of "How does a changing technological landscape affect community banks' performance?". This study aims to contribute to the understanding of how these institutions can better utilize their limited resources to improve their performances.

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Access to credit in the changing environment is the primary challenge to survival for many small and medium-sized enterprise (SME) owners. The purpose of this multicase study was to understand how seasoned small business leaders in wholesaling and manufacturing in Northwest Arkansas strategically adapted to obtaining access to credit in an environment of bank mergers and acquisitions, disruptive information technology, federal and state regulations, and globalization. The conceptual framework that grounded this study was adaptive leadership and change management. Although, small business leaders prefer to obtain credit from community banks through relationship financing, leaders of SMEs can adapt to the challenges of the changing environment. The data collection process involved face-to-face, onsite, semistructured interviews of 5 participant SME owners selected via purposive sampling throughout the Northwest Arkansas region. Analysis of the transcripts involved coding data into groups using keyword identification and regrouping the data into themes. Themes that emerged from the study included the importance of formalizing a capital strategy, utilizing alternative forms of financing, and responding and adapting to change. Also, small business owners use financial software to provide technical, financial reports, and pro forma statements with variance analysis. Positive social change from the findings of this study may develop through SMEs' potential to increase job provision thereby benefiting workers' families with better employment opportunities, enhancing public infrastructure through greater tax revenues, and generating a long-term, viable, sustainable future to the region's public education through an increased tax base.

Submitted by Fabiany Feitosa (fabiany.sousa@ufba.br) on 2017-03-21T12:51:23Z No. of bitstreams: 1 Pedro Henrique Gomes Jatobá.pdf: 32486392 bytes, checksum: fd90d6b0b76344c2870e47a6e6954277 (MD5) / Approved for entry into archive by Maria Angela Dortas (dortas@ufba.br) on 2017-03-21T18:06:37Z (GMT) No. of bitstreams: 1 Pedro Henrique Gomes Jatobá.pdf: 32486392 bytes, checksum: fd90d6b0b76344c2870e47a6e6954277 (MD5) / Made available in DSpace on 2017-03-21T18:06:37Z (GMT). No. of bitstreams: 1 Pedro Henrique Gomes Jatobá.pdf: 32486392 bytes, checksum: fd90d6b0b76344c2870e47a6e6954277 (MD5) / A economia da cultura tem se tornado, nas últimas décadas, um importante vetor produtivo e de inclusão social na economia brasileira. Dentre as políticas públicas que estimulam a organização produtiva na cultura, destacam-se o Programa Cultura Viva e as ações de fomento da Secretaria de Economia Criativa, ambos ligados ao Ministério da Cultura. Mesmo beneficiados com incentivos públicos, os empreendimentos comunitários têm dificuldades em acessar o mercado cultural do seu território, formar público e dominar as tecnologias da informação necessárias a sua sustentabilidade. O desenvolvimento de ambientes virtuais de aprendizagem e gestão colaborativa, adaptado à realidade desses grupos, pode ser bem sucedido quando os futuros usuários dos empreendimentos comunitários são capacitados para utilizar a nova solução em paralelo ao seu desenvolvimento. A pesquisa participante junto a Produtora Colabor@tiva.PE na Universidade Federal de Pernambuco e a pesquisa-ação realizada Universidade LIVRE de Teatro Vila Velha na Bahia, analisam como essas produtoras culturais colaborativas conseguiram se beneficiar de novos suportes digitais em seus processos de gestão interna e formação continuada. A colaboração desses usuários na comunidade de desenvolvimento da plataforma CORAIS possibilitou aprimorar as ferramentas de groupware existentes e desenvolver novas funcionalidades como a gestão transparente de uma moeda social digital. / The culture economy has become in the last decades one of the most important productive and social inclusion vectors on Brazilian economy. Among the public finance actions made by the government the main actions that support productive organization on the cultural groups are the Points of Culture network and the creative economy secretary, both related do the Minister of Culture of Brazil. Even the institutions that received public investments are showing difficulties in access in the local market create and maintain consumers have access and learn how to use information technology that is necessary to achieve economical sustainability. The development of collaborative management and learning virtual environments customized to these realities are only possible when these groups learn how to use free software tools in their internal activities. The study of the Produtora Colabor@tiva.PE in Recife at the Federal University of Pernambuco and the Universidade LIVRE de Teatro Vila Velha in Salvador, Bahia, part of this research execute an analysis about how this collaborative cultural producers got better results by adopting virtual environments. The participation of these groups in the CORAIS platform development community made possible that the existing groupware tools and develop new solutions as the public management of a local digital currency.