In order to reduce the risks, banks has two ways to evaluate the loan exposure. One is credit rating, and the other one is pledge collaterals. Many literatures and financial regulations are emphasizing on the importance of credit rating. However, with the illustration of a plenty of empirical study, the pledging collaterals are the popular way which was using by “lazy” banks. Credit rating or pledging with collaterals is the gap between theories and practices.  The aim of this thesis is to figure the factors which make the gap between the theories and practices. At last, the front-line employees are paid attention on. Since front-line employees are the first and direct one who contact customers. Reliability and responsiveness has a space to develop by training first-line employees, moral hazard controlling, and sectoral specialization the credit inspection.

Course: FOA214 Bachelor Thesis in Business Administration, 15 ECTS University: Mälardalens University School of Business, Society and Engineering Date: 2014, June 2nd Authors: Enkhluun Enkhmandakh, Cimin Ghaffari and Junyao Song Tutor: Zarina Osmonalieva Examiner: Eva Maaninen-Olsson Keywords: Hotel industry, service, internal marketing, front line employee, job satisfaction, Scandic Hotel. Research Question: How does Scandic Hotel in Västerås influence front line employee job satisfaction through internal marketing activities? Purpose of Research: The purpose of this thesis is to describe and analyze how hotels can influence front line employee job satisfaction through internal marketing. This thesis is useful for organizations in the hotel industry to gain a deeper understanding of the connection between internal marketing and job satisfaction as well as the outcome of job satisfaction. Method: This descriptive case study has used a deductive strategy. A qualitative approach was applied to collect the empirical data through interviews with the General Manager of Scandic Hotel in Västerås. Both primary and secondary data have been gathered to achieve the purpose. Within-case analysis was used to analyze the collected data. Conclusion: It was discovered that Scandic Hotel in Västerås acknowledges the importance of front line employee job satisfaction and is able to influence it through internal marketing activities. Through analyzing the theories and the empirical data two differences were found. It is believed that the result can be generalized to others in the hotel industry. The thesis also noticed a link between the four components of internal marketing and the five dimensions of job satisfaction.

Environmental policy debates are gaining momentum in the public square from scholars and citizens alike. From all sides of the debate, a growing consensus is emerging that advocates a shift in the environmental regulatory system in the United States from one that emphasizes command and control regulations to one that advocates collaboration between the regulator and regulatee. Although this dialogue is expanding, the research literature largely remains silent on a critical component of the environmental regulatory system — the individuals on the front-lines. Most notably, these front-line workers are environmental compliance inspectors and the individuals that inspectors deal with at regulated facilities. Inspectors and facility personnel are largely responsible for the implementation of environmental regulation in the U.S., yet they are overlooked in the discussion of regulation, past and present. These key actors are of tremendous significance and must be considered in discussions of environmental policy. In particular, the interactions of these two important groups of actors merit exploration. This research examines the interactions of inspectors and facility personnel in Virginia and investigates contentions that the relationships in the environmental regulatory system lack trust. One-on-one interviews were conducted with nearly four dozen inspectors and facility personnel in Virginia to seek answers to the question: How does trust factor into the relationships between environmental compliance inspectors and facility personnel in Virginia? In contrast to presumptions in the literature, this study finds evidence of positive relationships between these two seeming adversaries and asserts that trust is present in these interactions. Accordingly, there are potentially significant implications of these findings for future environmental policy. These implications include the realization that the relationships are positive, that there may indeed be differences between relationships at the state versus federal level and the experiences at one level dominate prevailing perceptions, and that traditional assumptions of command and control regulations may not be as valid as previously thought. / Ph. D.

Yes / This article reasserts the value of the examination of class relations. It does so via a case study of tax-processing sites within HM Revenue and Customs, focusing on the changes wrought by the alterations to labour and supervisory processes implemented under the banner of ‘lean production’. It concentrates on the transformation of front-line managers, as their tasks moved from those that required tax knowledge and team support to those that narrowed their work towards output monitoring and employee supervision. Following Carchedi, these changes are conceptualised as strengthening the function of capital performed by managers, and weakening their role within the labour process.

Organizational change initiatives in the United States frequently fail with estimated failure rates as high as 90%. Change failure rates resulting from underused and poorly trained front-line managers (FLMs) remained high, with no signs of improvement in the past 2 decades. The purpose of the correlational study, grounded in servant leadership theory, was to examine the relationship between employee perceptions of their FLM's servant leadership dimensions and employee affective commitment to change. A purposive, nonprobability sample of 107 employees of a U.S. manufacturing organization that had recently undergone organizational change completed a questionnaire for the study. Results of the multiple linear regression analysis were not significant, F(7, 107) = .714, p = .660, R2 = 0.045. Though results were not statistically significant, the beta weights for creating value for the community (β = .165) and behaving ethically (β = .168) indicated that creating value for the community and behaving ethically were potentially the most important variables in accounting for variance in the model. The beta weights for emotional healing (β = -.048) and conceptual skills (β = -.047) indicated that emotional healing and conceptual skills were potentially the least important variables in accounting for variance in the model. The findings may be of value to manufacturing leaders developing initiatives to improve change initiative success rates. Support for servant leadership during periods of organizational change has positive social change implications for employees. The practice of servant leadership reduces employee uncertainty and anxiety incurred during periods of change by resolving uncertainties and sustaining employee motivation for supporting organizational change.

<p>Abstract</p><p>Essay in political science, C-level, by Line Säll, spring semester 2007.</p><p>Tutor: Susan Marton.</p><p>”To do things by the rule of law -A study in the discretion of front-line bureaucrats”</p><p>This essay has it´s starting-point in the theoretical problem of social science to unite democracy and bureaucracy. The purpose is to illustrate the problems with the discretion of front-line bureaucrats in a democratic state. The theoretical approach is front-line bureaucracy-theory. Certain characteristics of the work of street-level bureaucrats makes it impossible to severly reduce discretion. The thesis is that the public policy in important ways is made in the offices of street-level bureaucrats because of their discretion. My research question is: How does front-line bureaucrats, at an employment exchange office in Sweden, interpret their discretion? The discretion is investigated in relation to the marginalised position of immigrants on the swedish labor-market, and in the perspective of that the swedish population is getting more and more heterogeneous. The essay is an qualitative interview study, as front-line bureaucrats at an employment exchange office has been interviewed. My findings is that the front-line bureaucrats interpret their discretion as quite limited. The limits is mostly seen in relation to the rules of the organisation, the bureaucrats orientation towards the organisation over the client and to the ideal of the rule of law.</p>

This bachelor thesis aims to investigate how social workers in Uppsala describe their procedure when investigating applications for housing assistance (i.e. boendestöd). Boendestöd is a specific type of services for people with disabilities, which aim to assist them in their lives. This welfare service is one of many regulated by the framework legislation that is the social services act (SoL 2001:453). Previous research indicates that civil servants who make decisions based on goal-oriented framework legislations like SoL, have a great freedom to act when they make judgments and decisions. A consequence of this can be that they make judgments and decisions largely based on their own personal interpretations of this legislation. The previous research points to the fact that the individual civil servants freedom to act can be viewed as an infringement of individual rights, but also that this freedom is necessary when it comes to assessing the needs of help seeking persons in the context of social work.   We have carried out six interviews with social workers in Uppsala. These social workers primarily investigate the needs of persons with mental disabilities who apply for different forms of assistance from the city. The analysis suggests that the social workers interviewed are relatively unanimous when it comes to which grounds for judgment or criteria they use when investigating applications for boendestöd. This in spite of the fact that their judgments are based on individual cases as well as their own personal assessments of them.

Referring to an employee as “the face” of an organization suggests that an individual worker’s actions may transmit information about the kind of organization they represent. Mascots in a baseball stadium make that metaphor material by wearing an organizationally prescribed mask and performing in the name of the organization (Keller & Richey, 2006; MacNeill, 2009). This study investigated how one baseball mascot, Spike of the Round Rock Express, embodied his team’s identity through the activation of organizational routines by analyzing video recordings, autoethnographic field notes, and stories (Heath & Luff, 2013). Recognizing the highly symbolic work of a mascot work has implications for the performer, audience members, and organizations who rely on mascots to enhance the stadium experience. Additionally, this research provides suggestions for future mascot performers on how they might come to “know your role and play it to the hilt” (Devantier & Turkington, 2006). Organizational routines combine three recursive dimensions: the ostensive, understandings an employee brings to his or her work, the performative, actions an employee takes while doing his or her work, and the artifactual, material objects an employee uses or creates in order to facilitate work tasks (Feldman & Pentland, 2003). This research begins with an exploration of how I developed occupational and organizational role expectations. In order to know my role, I had to learn Spike’s identity: what he must do, may do, and can do (Strauss, 1959; Enfield, 2011). I specifically recognize the ways I came to understand my role as someone who embodies the mission of the organization through the preparation of artifacts for performance and protection of the audience for whom I am performing. The performative dimension is explored by identifying instances when my performance challenged established understandings of Spike’s identity, specifically in instances where I was unprepared for a scenario or chose to protect one group’s interest over another’s. In these unanticipated moments, I often found myself turning other participants in the stadium event, like fans and coworkers, into co-performers and relied on their improvisational offerings to inform my ongoing performance (Eisenberg, 1990; Meyer, Frost, & Weick, 1998). / text

The service companies have been suffering, in the last years deep modifications deriving from factors such as the globalization, competitiveness, technological progress and the consumer's new profile, more demanding and conscious about his rights. These factors had forced the service organizations to search for information about their customers' preferences, mainly, when it is about financial institutions that represent accelerated transformations in the market. The main objective of this work is to evaluate the interaction between the customer and the service providers with the purpose of proposing suggestions of improvement in the quality of services and to contribute with information that might be indeed useful, capable to trigger improvement actions in the level of bank agencies. So through a research of quantitative because they emphasize the casual relationship between variables and not processes. The investigation is intentionally inserted in a structure of free value. The results showed that l general the customers are satisfied with services provided by the bank agency. On the other hand, we can see the difference when compared the employees' perception with the customers, for example, about the patience and objectivity ", the employees affirm that 25,0% of customers are satisfied, while the customers' perception, related to satisfaction is 35,0%. Therefore, the employees of front line interact directly with customers, but, they don't get to notice this satisfaction. / As empresas de serviço têm sofrido, nos últimos anos, profundas modificações decorrentes, sobretudo, de fatores como a globalização, a competitividade, os avanços tecnológicos e o novo perfil do consumidor, mais exigente e consciente de seus direitos. Estes fatores têm forçado as organizações de serviços buscarem informações sobre preferência de seus clientes, principalmente, quando se trata de instituição financeira que apresenta transformações aceleradas no mercado. O objetivo principal, deste trabalho é avaliar a interação entre o cliente e o prestador de serviço com a finalidade de propor sugestões de melhoria na qualidade dos serviços e contribuir com informações que possam ser efetivamente úteis capazes de desencadear ações de melhoria ao nível de agências bancárias. Assim, através de uma pesquisa de natureza qualitativa, classificada também como descritiva, uma vez que a realização deste estudo se baseou na opinião de pessoas relacionadas diretamente com o trabalho desenvolvido; e quantitativa, pois enfatizam o relacionamento causal entre variáveis e não entre processos. A investigação é intencionalmente inserida em uma estrutura de livre valor. Os resultados mostraram que de modo geral os clientes estão satisfeitos com os serviços prestados pela agência bancária. Por outro lado, percebe-se a diferença quando comparada percepção dos funcionários com a de clientes, por exemplo, quanto à paciência e objetividade , os funcionários afirmam que, 25,0% dos clientes se encontram satisfeitos, enquanto que à percepção dos clientes, quanto à satisfação é de 35,0%. Portanto, os funcionários da linha de frente, interagem diretamente com os clientes, mas não conseguem perceber esta satisfação.

Magister Commercii - MCom (Business and Finance) / This master's thesis report is a record of my action research study conducted at a traditional bank in South Africa. The report follows a narrative writing style. It contains my personal learnings and reflections. In it I record my practices aimed at promoting Islamic banking products of a traditional bank. In undertaking this action research, I employed interventions whereby I improved my own learning and behaviour through practice. This action research took place within the customer facing division of a national traditional bank in the Western Cape. While conducting my situational analysis, I found that front-line employees lacked knowledge and awareness about Islamic banking products, which negatively impacted their attitude and willingness to promote the Islamic banking offering. As the action research progressed, another concern was identified, namely, the lack of awareness of Islamic banking by customers. In order to guide activities that are directed at improving the behaviour of front-line employees and customers, I drew insights from the Theory of Planned Behaviour (TPB) by Icek Ajzen (1991) for my theoretical framework. Observations, interviews and interview schedules were used to collect data and continuously analysed using content analysis and univariate analysis for the respective data types. Evidence was generated by measuring the data against a standard of judgments as required for an action research project. This resulted in the identification of key factors that influence front-line employees' willingness to promote the Islamic banking products. These factors were their attitudes and perceived behavioural control. It was further identified that the lack of awareness by customers had a negative impact on their attitudes towards using the Islamic banking offering. Both issues were addressed, by following the cyclical approach of action research. In order to influence front-line employees' behaviour, with the support of the necessary stakeholders, I implemented internal marketing programmes such as training and development. To increase the level of customer awareness, I implemented activities directed at external customers such as brochures and poster displays within branches. The study finds that through my ethical and political practices, front-line employees were motivated and stakeholders actively participated in planning and executing interventions designed to improve the performance of Islamic banking sales. The practices implemented by myself, as an Islamic banking product champion, were identified as a key influence in the promotion of Islamic banking. I also identified that senior management and middle management influenced front-line employees' acceptance and implementation of internal marketing practices.