BUSINESS ETHICS IN A LEASING PRODUCT OF A FINANCIAL INSTITUTION: A CASE STUDY IN AN AFRICAN COUNTRYDOI: 10.5773/rgsa.v4i2.275

E possivel que um banco comercial ofereca um produto que seja simultaneamente etico, economicamente viavel, socialmente justo e ambientalmente correto? Esta e a pergunta que guiou a elaboracao deste artigo. O seu objeto de estudo e um produto que resulta de uma parceria entre o Millennium Bim, um banco comercial de Mocambique, e a Associacao dos Taxistas de Maputo. Trata-se da oferta de um produto de leasing com o proposito de comparar carros mais novos em condicoes especiais para os taxistas, em uma cidade cuja frota de taxis e velha, sem manutencao e nao confiavel. O referencial teorico descreve o modelo de Business Ethics de Lozano (1999), a partir da organizacao proposta por Patrus-Pena (2004), que propoe integrar consideracoes eticas as operacoes fundamentais do negocio e a estrategia do negocio. Trata-se de um estudo de caso cujos dados foram coletados por meio de entrevistas semi-estruturadas. A analise dos dados revelou a viabilidade pratica da integracao entre as vantagens economicas para a empresa e o desenvolvimento social da comunidade, como recomendam Porter and Kramer (2006) e Burke and Logsdon (1996) Palavras-chave: Etica Empresarial, Sustentabilidade, Responsabilidade Social e Empresarial, Africa. Abstract Is it possible that a commercial bank offers a product that is simultaneously ethical, economically viable, socially fair and environmentally correct? This is the question that guided the elaboration of this paper. The object of this study is a product that results from a partnership between Millenium bim, a Mozambican commercial bank, and the Maputo Taxi Drivers Association. It made possible the offer of a leasing product in order to buy more recent vehicles with special conditions to the taxi drivers, in a city where the fleet of taxis is old, uncared and not reliable. The theoretical referential describes Lozano’s Business Ethics model (1999), through the organisation proposed by Patrus-Pena (2004). It suggests to integrating ethical considerations more effectively into core business operations and strategy. It is a case study whose data was collected through semi structured interviews. The data analysis revealed the practical realization from the integration viability between a company’s economic advantages and the community’s social development, as suggested by Porter and Kramer (2006) and Burke and Logsdon (1996). Keywords: Business Ethics, Sustainability, Corporate Social Responsibility, Africa.