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Macmillan Business – Professional Titles Portfolio, on line business.#On #line #business


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Business Case Study brochure 2016

Read what teachers around the world are saying about our popular business English titles. Featuring case studies for In Company 3.0, The Business 2.0, Get Ready for International Business, and more.

On line business

  • Macmillan Business and Professional Titles

    Macmillan has an extensive range of titles for those pre-work, in work or in very specific professions. Browse for free teaching resources, course information and downloadable samples and FAQs.

    On line business

  • In Company 3.0

    New edition of the highly-successful course for established business professionals

    On line business

  • The Business 2.0

    Building the next business generation

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  • Get Ready for International Business

    For students at the start of their professional career.

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    For our businessmen and women of the future

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    For established business professionals

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  • Independent Study

    For business grammar, vocabulary and photocopiables

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    For focused skills development

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    For those preparing for BEC or LCCI EfB exams

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    Easy-to-access online activities for business English students

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    • On line businessMeetings in English Bryan Stephens
    • On line businessIn Company Second Edition Mark Powell, Simon Clarke and Pete Sharma
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    Bank of Ireland – For small steps, for big steps, for life, on line

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    Cashback PLUS with your mortgage

    Do you qualify for 2% of your new mortgage back as cash, plus 1% in 5 years?

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    What would you do with €7,500 cashback? Call our Switcher Team 1890 365 850 .

    Flexible loans from just 6.8% APR*

    For dreams big or small – our flexible loans are available from €1,000 to €65,000.

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    Bank of Ireland Group plc is a public limited company incorporated in Ireland, with its registered office at 40 Mespil Road, Dublin 4 and registered number 593672. Bank of Ireland Group plc, whose shares are listed on the main markets of the Irish Stock Exchange plc and the London Stock Exchange plc, is the holding company of Bank of Ireland.

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    Online Business, on line business.#On #line #business


    Online Business

    Hapag-Lloyd’s Online Business Video

    Watch our Video. It gives you an insight to our Online Business suite.

    For further help, please also visit our Online Business User Guide.

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    Expert Interview with Noah Wieder on the benefits of owning an ATM #business #grant


    #atm business

    #

    Expert Interview with Noah Wieder on the benefits of owning an ATM

    Cash is still king in plenty of places, which is why ATMs are more popular than ever, says Noah C. Wieder, CEO of ATM Depot .

    ATM users prefer to pay with cash to avoid credit card debt and interest charges, and merchants also prefer cash users; so having an ATM nearby helps them lower their credit card processing fees.

    “So it’s a win-win for merchants who either own and operate their own ATM or who contract with an IAD to operate one for them,” he adds.

    Noah recently checked in to tell us about the benefits of investing in an ATM machine and give us a crash course on becoming an independent ATM deployer. Here’s what he had to say:

    Tell us the story behind ATM Depot. What’s on your site? Who should be reading it?

    ATM Depot caters to individuals, investors, entrepreneurs and independent ATM deployers (IAD’s) looking for a flexible, friendly, experienced and honest ATM company. We believe in transparency in an industry where we see a lot of secrets and scams .

    Who can invest in an ATM machine?

    Literally, anyone can invest in an ATM. Retailers; commercial landlords; city governments looking to increase revenues at parks, museums and other public places; entrepreneurs; and anyone who can count money.

    The cost to enter the ATM business is amazingly low. Many ATM models can be purchased for under $2,500 including shipping. The cost of not working with an experienced ATM company is the expensive part. The cost of learning from mistakes can get expensive.

    A better question is who can operate an ATM. Most investors and entrepreneurs can invest or operate an ATM business unless they have a felony criminal record or have been involved in any type of financial crime.

    What are the benefits of investing in and managing ATM machines?

    It’s very similar to most passive income business models. Benefits include:

    • Working your own hours
    • Excellent annual returns (even on locations that only have three or four users per day)
    • Minimal investment, relatively low risk
    • Getting to meet and work with great people
    • No more trading time for money
    • Great ROI

    What considerations should someone who’s interested in investing in an ATM machine make before purchasing one?

    They should read everything they can about the business. A couple of links to some of the papers I’ve authored:

    Of course, I recommend my book, The Amazing Money Machine, where I explain the entire business from start to finish. ATMdepot.com also offers serious investors a private members’ area where they can get proprietary information, forms and videos that are reserved for our IADs.

    Get a handle on your cash with Mint.com .

    What are the disadvantages and/or risks associated with these machines?

    As with any business, the biggest risk is loss of capital; however, with the ATM business that risk is minimized since the biggest investment is the ATM hardware, which is an asset that can always be moved to a new location.

    Another risk is vandalism and/or theft, but inexpensive insurance is available; and in my 20+ years in the business we’ve experienced very few of those issues (but they can occur).

    Machines do need to be serviced and cleaned regularly to make sure they remain in the best working order. While not usually an issue, there can be cash jams, printer jams, communication problems or electrical surges that can bring the ATM offline (a good surge protector is key).

    ATMDepot.com offers toll free 24/7 tech support and most issues can be resolved over the phone, but if an ATM investor owner-operator needs more help, a field service call can be arranged quickly.

    Where are the best locations for ATM machines?

    This is a big question and also varies by geography.

    While everyone knows that convenience stores, casinos, supermarkets and adult retailers are great locations, they are difficult to obtain.

    The best locations are high traffic places where people need cash, like stores that don’t accept credit cards or where a bank might be several blocks away.

    My book has an entire in-depth chapter dedicated to this topic. A good ATM company can help their IADs evaluate locations using a variety of tools including Google Maps (satellite view) to help access the area, Zillow or SearchBug Tools to hone in on certain neighborhoods and geographic characteristics to further evaluate the potential of a location.

    Where do we go to purchase an ATM machine?

    ATMs can be purchased from several different ATM companies; it’s important to compare features and models carefully. New laws and compliance requirements are forcing existing ATM operators to upgrade machines, and some non-compliant machines that should be recycled are showing up for sale on websites. Some machines are non-ADA compliant, some ATMs have old software and hardware that cannot be upgraded; so it’s important to purchase ATM machines from reputable firms with the most updated information on what ATM models are outdated.

    I wrote an eBay guide about the five questions to ask before buying an ATM since I saw so many scams on eBay for used machines.

    How are the machines stocked? Who handles stocking them?

    There are several ways to load an ATM. It’s as easy as loading a napkin holder.

    The person loading the ATM is called the vaulter. Vaulters could be the ATM owner, a professional independent cash vaulter, an armored car service, or a trusted third party. The important thing to remember is that if the vaulter is not consistent and lets the machine run out of cash, then the ATM owner and the store lose money and customers get upset. So vaulting is a very important component of the business.

    The most costly vaulter is an armored car and a cash management service, but it’s also the most reliable. So for a very busy machine, this can be beneficial; but the ATM also requires a significant lock upgrade for armored car auditing.

    The additional lock can increase the cost of the ATM by $600 to $650, which can be significant on a $2,500 machine. The least expensive solution is to have the location be the vaulter and share the revenue or pay a set per transaction fee.

    What types of machine models are available?

    We currently like the Hyosung and Genmega ATMs as they are fairly priced and very reliable. There are many different models, many of which suited to different applications. It’s best to work with someone from our office once a location is selected.

    Recommendations can then be made based on available space, traffic estimates, cash needs, visibility, and indoor/outdoor or freestanding/through-the-wall models.

    There are many questions that should be asked and answered before a specific machine is ordered by an investor. Preservation of capital, ROI, and profit potential should all be considered.


    Tags : , , , , , , , , , , ,

    Small Business Finance – Information and guidance on how to finance your business #business

    #financing a new business

    #

    We use cookies on our website

    Every new business faces the challenge of finding the funding to sustain itself until it establishes a revenue and cash stream.

    Starting Your Own Business

    New business development is important because it creates much-needed jobs and generates economic activity, giving the economy a welcome boost. A number of organisations provide supports and advice for start-ups, including the Local Enterprise Office, Citizens Information and Enterprise Ireland.

    Every new business faces the challenge of finding the funding to sustain itself until it establishes a revenue and cash stream.

    These businesses need money to research new products and markets, to commission or produce feasibility studies and to pay employees as well as suppliers and other creditors.

    Some businesses rely on money invested in the business by the founders themselves but most will need additional financing, whether it be grant support, external investors or bank/non-bank credit.

    In this section we look at the financing options available to new businesses


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    Play Caravaneer, a free online game on Kongregate #loan #for #small #business


    #business games online

    #

    We have reduced support for legacy browsers.

    What does this mean for me? You will always be able to play your favorite games on Kongregate. However, certain site features may suddenly stop working and leave you with a severely degraded experience.

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    g Register or sign in to start receiving activity updates from around Kongregate!

    Kongregate is a community-driven browser games portal with an open platform for all web games. Get your games in front of thousands of users while monetizing through ads and virtual goods. Learn more

    Visit our developers site

    Learn more about our publishing program –
    we help game developers get their games out to millions of users on multiple platforms.

    Read Our Blog

    We publish new content weekly, on game/data analysis, case studies, engineering solutions, and design insights.

    Access Documentation

    Get everything you need to know about how to implement our APIs and SDKs into your game.

    Caravaneer


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    Reflections on the co-creation of innovative business ideas #business #loans #for #veterans


    #innovative business ideas

    #

    Reflections on the co-creation of innovative business ideas

    From Participation to Collaboration: Reflections on the co-creation of innovative business ideas

    Cara Broadley, Katherine Champion, Michael Pierre Johnson, Lynn-Sayers McHattie

    The Glasgow School of Art (2), University of Abertay, The Glasgow School of Art

    Keywords: co-design methods; knowledge exchange; collaboration; design-led innovation

    Design-led innovation interventions are predicated on the importance of establishing complex disciplinary collaborations. This paper reflects on the effects of different co-design methods to support knowledge exchange and the co-creation of new business ideas with multidisciplinary participants. It draws on data collected from sandpit style events entitled Chiasma, undertaken as part of the knowledge exchange hub, Design in Action (DiA) in which co-design methods were used to bring designers, entrepreneurs, and academics together to develop innovative business ideas in Scotland. Employing a thematic analysis of idea generation, team formation, and idea development, we suggest that a more nuanced range of methods, tools, and techniques can strengthen multidisciplinary engagement and participation. We argue that such approaches can be enhanced by designers and researchers’ shifting focus from co-design methods to supporting collaborative mindsets in knowledge exchange towards innovation.

    download the paper (PDF)

    Cite this paper: Broadleya, C. Championa, K. Johnsonb, M.P. McHattiea, L.S. (2016). From Participation to Collaboration: Reflections on the co-creation of innovative business ideas. Proceedings of DRS 2016, Design Research Society 50th Anniversary Conference. Brighton, UK, 27–30 June 2016.

    This paper will be presented at DRS2016, find it in the conference programme


    Tags : , , , , , , ,

    Expert Interview with Noah Wieder on the benefits of owning an ATM #most #successful

    #atm business

    #

    Expert Interview with Noah Wieder on the benefits of owning an ATM

    Cash is still king in plenty of places, which is why ATMs are more popular than ever, says Noah C. Wieder, CEO of ATM Depot .

    ATM users prefer to pay with cash to avoid credit card debt and interest charges, and merchants also prefer cash users; so having an ATM nearby helps them lower their credit card processing fees.

    “So it’s a win-win for merchants who either own and operate their own ATM or who contract with an IAD to operate one for them,” he adds.

    Noah recently checked in to tell us about the benefits of investing in an ATM machine and give us a crash course on becoming an independent ATM deployer. Here’s what he had to say:

    Tell us the story behind ATM Depot. What’s on your site? Who should be reading it?

    ATM Depot caters to individuals, investors, entrepreneurs and independent ATM deployers (IAD’s) looking for a flexible, friendly, experienced and honest ATM company. We believe in transparency in an industry where we see a lot of secrets and scams .

    Who can invest in an ATM machine?

    Literally, anyone can invest in an ATM. Retailers; commercial landlords; city governments looking to increase revenues at parks, museums and other public places; entrepreneurs; and anyone who can count money.

    The cost to enter the ATM business is amazingly low. Many ATM models can be purchased for under $2,500 including shipping. The cost of not working with an experienced ATM company is the expensive part. The cost of learning from mistakes can get expensive.

    A better question is who can operate an ATM. Most investors and entrepreneurs can invest or operate an ATM business unless they have a felony criminal record or have been involved in any type of financial crime.

    What are the benefits of investing in and managing ATM machines?

    It’s very similar to most passive income business models. Benefits include:

    • Working your own hours
    • Excellent annual returns (even on locations that only have three or four users per day)
    • Minimal investment, relatively low risk
    • Getting to meet and work with great people
    • No more trading time for money
    • Great ROI

    What considerations should someone who’s interested in investing in an ATM machine make before purchasing one?

    They should read everything they can about the business. A couple of links to some of the papers I’ve authored:

    Of course, I recommend my book, The Amazing Money Machine, where I explain the entire business from start to finish. ATMdepot.com also offers serious investors a private members’ area where they can get proprietary information, forms and videos that are reserved for our IADs.

    Get a handle on your cash with Mint.com .

    What are the disadvantages and/or risks associated with these machines?

    As with any business, the biggest risk is loss of capital; however, with the ATM business that risk is minimized since the biggest investment is the ATM hardware, which is an asset that can always be moved to a new location.

    Another risk is vandalism and/or theft, but inexpensive insurance is available; and in my 20+ years in the business we’ve experienced very few of those issues (but they can occur).

    Machines do need to be serviced and cleaned regularly to make sure they remain in the best working order. While not usually an issue, there can be cash jams, printer jams, communication problems or electrical surges that can bring the ATM offline (a good surge protector is key).

    ATMDepot.com offers toll free 24/7 tech support and most issues can be resolved over the phone, but if an ATM investor owner-operator needs more help, a field service call can be arranged quickly.

    Where are the best locations for ATM machines?

    This is a big question and also varies by geography.

    While everyone knows that convenience stores, casinos, supermarkets and adult retailers are great locations, they are difficult to obtain.

    The best locations are high traffic places where people need cash, like stores that don’t accept credit cards or where a bank might be several blocks away.

    My book has an entire in-depth chapter dedicated to this topic. A good ATM company can help their IADs evaluate locations using a variety of tools including Google Maps (satellite view) to help access the area, Zillow or SearchBug Tools to hone in on certain neighborhoods and geographic characteristics to further evaluate the potential of a location.

    Where do we go to purchase an ATM machine?

    ATMs can be purchased from several different ATM companies; it’s important to compare features and models carefully. New laws and compliance requirements are forcing existing ATM operators to upgrade machines, and some non-compliant machines that should be recycled are showing up for sale on websites. Some machines are non-ADA compliant, some ATMs have old software and hardware that cannot be upgraded; so it’s important to purchase ATM machines from reputable firms with the most updated information on what ATM models are outdated.

    I wrote an eBay guide about the five questions to ask before buying an ATM since I saw so many scams on eBay for used machines.

    How are the machines stocked? Who handles stocking them?

    There are several ways to load an ATM. It’s as easy as loading a napkin holder.

    The person loading the ATM is called the vaulter. Vaulters could be the ATM owner, a professional independent cash vaulter, an armored car service, or a trusted third party. The important thing to remember is that if the vaulter is not consistent and lets the machine run out of cash, then the ATM owner and the store lose money and customers get upset. So vaulting is a very important component of the business.

    The most costly vaulter is an armored car and a cash management service, but it’s also the most reliable. So for a very busy machine, this can be beneficial; but the ATM also requires a significant lock upgrade for armored car auditing.

    The additional lock can increase the cost of the ATM by $600 to $650, which can be significant on a $2,500 machine. The least expensive solution is to have the location be the vaulter and share the revenue or pay a set per transaction fee.

    What types of machine models are available?

    We currently like the Hyosung and Genmega ATMs as they are fairly priced and very reliable. There are many different models, many of which suited to different applications. It’s best to work with someone from our office once a location is selected.

    Recommendations can then be made based on available space, traffic estimates, cash needs, visibility, and indoor/outdoor or freestanding/through-the-wall models.

    There are many questions that should be asked and answered before a specific machine is ordered by an investor. Preservation of capital, ROI, and profit potential should all be considered.


    Tags : , , , , , , , , , , ,

    Monkey Business » On a Mission to Make the World More Fun and Yellow

    #monkey business

    #

    We help people
    to implement
    new ideas!

    Meille apinoille ihminen on tärkein.
    Organisaatio on ihmisten päiden, käsien ja sydänten summa. Tavoitteenamme on saada sydämet ja päät toimimaan yhdessä entistä paremmin. Tällöin kädet vapautuvat ja uudenlainen tekeminen luo tekemisen kulttuurin.
    Lähestymistapamme on muotoilullinen, eikä meillä ole valmiita vastauksia. Jokainen ongelma ratkaistaan yhdessä ihmisten kanssa, ihmisten tarpeisiin. Avullamme tekijät itse keksivät ratkaisut ja ideat omiin ongelmiinsa.

    Tämä referenssi on ollut osa Kokeiluraportti 2/2015 -uutiskirjettämme. Käy vilkaisemassa koko kirje tästä. Emme voi kertoa organisaation nimeä tai hankkeen tarkkoja

    Tämä referenssi on ollut osa Yellow Press – Kokeilut 1/2015 -uutiskirjettämme. Käy vilkaisemassa koko kirje tästä. Emme voi kertoa organisaation nimeä

    Organisaatiot hakevat jatkuvasti uusia toiminnan muotoja. Toimintaympäristössä tapahtuvat muutokset edellyttävät valmiutta reagoida nopeasti, ketterästi ja tehokkaasti. On löydettävä se, missä

    Vuodesta 2006 asti olemme Monkey Busineksessä tutkineet tulevaisuuden organisaatioita. Tutkimusmatkoillamme olemme toteuttaneet yli kaksisataa erilaista kehitysprojektia yli kahdessakymmenessä maassa, viidellä

    Katri Viippola kertoo yllä olevalla videolla miksi on valinnut Monkey Busineksen avukseen jo kahdessa eri organisaatiossa.

    Monkey Busineksen ensimmäinen virallinen iso keikka elokuussa 2007 oli Strategian lanseeraustilaisuus eräälle yritykselle Pieksämäellä. Se tarjoiltiin Tatulle ja Villelle verkoston

    Monkey Business on teille oikea kumppani, jos: Haluatte muutosta toimintatapoihinne, yksinkertaisin keinoin. Haluatte, että muutos on vuorovaikutteinen ja osallistava – ihmiset saavat

    Kolmas ydinteoriamme on kirjasta The Leadership Challenge.

    Nonakan & Takeuchin kiteyttämä tiedon luomisen teoria on hyvä malli uuden tiedon synnyttämiselle. Tässä yksinkertaistettu malli. 1. Dialogi – käymme dialogia

    Toimintamme ytimessä on dialogi. Dialogi on yhdessä puhumista ja ajattelua. Dialogin perusidea on yksinkertainen: kun yksi puhuu, niin muut kuuntelee.

    Visiomme: Monkeyn visio on olla Suomelle paras lifestyle-osuuskunta. Teemme töitä sydämestä puhumisen ja välittämisen vallankumouksen puolesta. Meidän unelmamme Suomesta on intohimon


    Tags : , , , , , , , , , , , , ,

    7-Eleven, Volkswagen cases show why we should push back on – corporate ethics #order

    #business ethics articles

    #

    7-Eleven. Volkswagen cases show why we should push back on ‘corporate ethics’

    Professor of Management and Organization Studies, Macquarie University

    Disclosure statement

    Carl Rhodes does not work for, consult, own shares in or receive funding from any company or organisation that would benefit from this article, and has disclosed no relevant affiliations beyond the academic appointment above.

    The Conversation’s partners

    The Conversation UK receives funding from Hefce, Hefcw, SAGE, SFC, RCUK, The Nuffield Foundation, The Ogden Trust, The Royal Society, The Wellcome Trust, Esmée Fairbairn Foundation and The Alliance for Useful Evidence, as well as sixty five university members.

    Republish this article

    We believe in the free flow of information. We use a Creative Commons Attribution NoDerivatives licence, so you can republish our articles for free, online or in print.

    Chairman and major shareholder of 7-Eleven Russ Withers sits in a Senate Committee hearing in Melbourne. Julian Smith/AAP

    There is perhaps no phrase more hackneyed in the corporate world than: “good ethics is good business”. Against the image of the ruthless business baron who will stop at nothing in the pursuit of wealth and power, the slogan tells us there is no friction between being good and being successful.

    As luck should have it (for corporations that is) it is argued organisations can stand up and be righteous about their do-gooding, and this will actually lead to the achievement of self-interested business results. The cake can be had and eaten.

    But does this ethical catch phrase really hold sway in the corporate world? Events this September suggest not.

    The month of the corporate scandal

    September 2015 was mired in corporate scandal. German car manufacturer Volkswagen was raked over the coals for installing software in its cars that ensured it falsely passed emission tests. Eleven million cars were involved over a period of seven years. VW’s CEO Martin Winterkorn resigned over the affair and now faces possible criminal charges .

    American corporation Turing Pharmaceuticals was publicly vilified for its predatory pricing when it raised the price of the drug Daraprim by 4000%. This is a drug used to treat infections associated with HIV and AIDS. Turing’s CEO Martin Shkreli was described by the Washington Post as “the most hated man in America”.

    In Australia trouble arrived at convenience store chain 7-Eleven when the ABC’s documentary series Four Corners revealed its use of exploitative and illegal work practices to reduce its labour costs. Employees were being paid less than half the legal minimum wage. Young and foreign workers were especially targeted. The scandal saw the resignations of 7-Eleven’s chairman Russ Withers, and its CEO Warren Wilmot.

    Bad ethics is good business

    Each of these scandals has been scrutinised in terms of business ethics. We are not talking here about contentious and nuanced debates about the nature of morality. In these cases the ethical issues relate to cheating, lying, deception, law breaking, exploitation, and merciless profiteering. As far as any common understanding of ethics is concerned these things are on the far side of the thick and grey line that separates right from wrong.

    What do these cases have in common? Each one suggests there was an ethos in place in these corporations that held that “bad ethics is good business”. Seven years of highly orchestrated cheating at VW meant increased sales. In 2009 VW became the world’s biggest car manufacturer .

    Institutionalised wage fraud and labour exploitation at 7-Eleven kept store costs down, increasing profits both for franchisees and (especially) for the parent company. 7-Eleven has twice been names Australia’s “franchisor of the year”. Price gouging at Turing meant a drug listed on The World Health Organization’s essential medicines list could bolster the company’s profits by exploiting the sick and vulnerable.

    Just don’t get caught

    The “bad ethics is good business” approach was going well for these businesses until they got caught. These three cases have triggered debates still raging in all sectors of society. Heads have rolled and bottom lines are jeopardised.

    Does this really confirm that “bad ethics is bad business”? Of course not. There is no doubt many other corporations are profiting handsomely from deceit, lies, fraud and exploitation. The scandals of September 2015 show that “bad ethics is good business … unless you get caught”.

    It’s not just about not getting caught. It is also about the political, legal, social and economic implications of being found out. In the cases of VW, 7-Eleven and Turing there has been a massive public and media outcry about their reprehensible and selfish behaviour.

    Bringing these corporations to justice was not the work of one heroic individual, nor the result of government action. It was a collective effort that involved NGOs, scientists, academics, politicians, the media and the general public. This was a victory of civil society and democratic dissent.

    So, we can reformulate our proposal: “Bad ethics is good business … unless you get caught … and as long as you aren’t the subject of a public outcry”.

    Democratic business ethics

    When corporations speak of business ethics their idea is that they can keep it all in house. The ethics of business is largely seen as a matter of corporate self-regulation so that pesky outsiders won’t stick their noses into corporate affairs. The September scandals suggest an entirely different ethics.

    If we want ethics in business, what we need is more corporations being caught and more public outcry. For business ethics to be effective they must be pushed onto corporations against their will. Business ethics is democratic, not corporate.

    What we can learn from the business events of September is that ethics cannot be left to corporations themselves. Business ethics requires a vigilant democracy where the public and its institutions will hold corporations to account for their actions.

    Business ethics, to borrow a phrase, is about keeping the bastards honest.


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