دانلود مقاله ISI انگلیسی شماره 39299
عنوان فارسی مقاله

ادغام با جریان اصلی؟ بحث تجربی از فرسایش بالقوه مزیت رقابتی در یک جنبش اتحادیه اعتباری بازسازی شده ایرلندی

کد مقاله سال انتشار مقاله انگلیسی ترجمه فارسی تعداد کلمات
39299 2014 10 صفحه PDF سفارش دهید محاسبه نشده
خرید مقاله
پس از پرداخت، فوراً می توانید مقاله را دانلود فرمایید.
عنوان انگلیسی
Merging into the mainstream? An empirically based discussion of the potential erosion of competitive advantage in a restructured Irish credit union movement
منبع

Publisher : Elsevier - Science Direct (الزویر - ساینس دایرکت)

Journal : Journal of Co-operative Organization and Management, Volume 2, Issue 2, December 2014, Pages 55–64

کلمات کلیدی
اتحادیه های اعتباری - خدمات مالی - مزیت رقابتی - بازسازی - جغرافیا
پیش نمایش مقاله
پیش نمایش مقاله ادغام با جریان اصلی؟ بحث تجربی از فرسایش بالقوه مزیت رقابتی در یک جنبش اتحادیه اعتباری بازسازی شده ایرلندی

چکیده انگلیسی

Credit unions are key constituents of the financial services landscape in Ireland. Currently, the movement comprises mostly small-medium, local, autonomous credit unions. Restructuring is viewed as a means to ensuring viability and achieving economies of scale and scope. Debate has focused on the advantages of restructuring without due concern for its negative consequences. We argue that the competitive advantage of community-based credit unions is inextricably linked to their geographical scale and the implications of restructuring for competitive advantage must be considered. Using qualitative data obtained through interviews with borrowers in seventeen community-based credit unions, we construct a typology of factors influencing members’ decisions to borrow from credit unions during a time when credit was widely available and marketed aggressively by the conventional banking sector. We conclude that non-bureaucratic, member-centred systems and relational factors tend to outweigh material considerations in members’ decisions to borrow from credit unions. Moreover, both sets of factors relate not only to the movement's ethos but also to the ‘connectedness’ or sense of ‘the local’ experienced by credit union members. In the context of a restructuring agenda dominated by mergers and amalgamations, there is a need to guard against the erosion of the movement's unique, community-embedded competitive advantage.

خرید مقاله
پس از پرداخت، فوراً می توانید مقاله را دانلود فرمایید.