Overindebtedness and Overlegalization: Consumer Bankruptcy as a Field for Alternative Dispute Resolution

In the advisory report to the European Commission (Huls et al., 1994), the conclusion was reached that the optimal European solution for overindebtedness of consumers is a combination of legal change and a strengthening of the work of social debt counsellors. It was argued that the two spheres, the legal and the social, should be linked in order to create a constructive coalition.Europe has learned from the USA how to introduce the concept "discharge of debts" into their legislation (Huls, 1992). The USA may learn from Europe how debt counsellors can play a more vital part in tackling the debt problem of consumers. This paper explores the possibilities for expanding the domain of non-legal actors in this field by looking at legal aid discussions in general, and more specifically at the new Alternative Dispute Resolution (ADR) trend that is developing both in the USA and Europe.In the first section of the paper, the importance of an adequate definition of the problem is stressed. The following section summarizes the model proposed in Huls et al. (1994). It is followed by a plea for professional and independent debt counselling, a prerequisite for dejuridification of the debt problem, and for a coupling of debt problems to legal aid discussions. This leads to the conclusion that a strong case can be made for debt counselling as a form of ADR.     

Does ownership matter for service delivery value? an examination of citizens’ service satisfaction

Governments across the world outsource service delivery to external agents, but does ownership matter for service delivery value? Though theory points to clear ownership differences on effectiveness, there remains limited empirical evidence of the impact of ownership on citizens’ satisfaction. Focusing on local authorities in England, we draw on secondary data (2007 and 2009) to examine if ownership type matters. The findings indicate that ownership – public, non-profit, private – confers no direct benefits for citizens’ satisfaction suggesting that the outsourcing decision should not rely on unfounded assumptions about performance differentials between ownership types. The implications for public management are explored.     

Managing the “S” in ESG: The Case of Indigenous Peoples and Extractive Industries

Although a company's “social license to operate” is critical to its long‐run viability and success, the “social” component of corporate environmental, social, and governance (ESG) problems appears to be taking the longest to be integrated into the corporate business model. The authors make the case that corporate boards must assume a more direct and proactive role in identifying, measuring, and mitigating social risk. Board involvement in the management of social issues, although not a silver bullet by itself, is an important step that can help catalyze the changes needed within upper, middle, and lower management. The absence of board oversight of social performance means that the reporting chain is not reaching the highest level of management. And this in turn creates a lack of attention and accountability to social performance that is likely to permeate the rest of the company. Along with board oversight, companies need more and better information to understand the value that good social performance creates for business, and to equip them for building and maintaining positive relationships with communities. At the individual company level, this means more comprehensive and granular analysis of social risk, the full range of costs of conflicts with local communities, the benefits of having a social license, and quality baseline data for community engagement. At the macro level, these data points must be aggregated to understand their implications across industries.     

The Power(lessness) of Industry Self-regulation to Promote Responsible Labor Standards: Insights from the Chinese Toy Industry

The provision of responsible labor standards along the entire value chain poses considerable challenges for corporations. In particular, management shortcomings and institutional deficits—which are partly related to cultural issues—frequently impede the realization of responsible business practices in emerging and developing countries. It is widely established in theory that industry self-regulation constitutes a particularly promising approach for overcoming these challenges. Nonetheless, it is still an open question as to whether industry initiatives effectively promote responsible standards in practice. This contribution aims to enrich the current discussion about the power of industry self-regulation to ensure responsible labor standards in factories in emerging and developing countries. For this purpose, we analyze the ICTI CARE Process (ICP), the self-regulation initiative of the international toy industry, that aims to promote responsible business practices in Chinese toy factories. The assessment of the ICP shows that corporations’ buying behavior is decisive in order for industry self-regulation to become an appropriate means of improving labor standards. Based on the insights from the study and from theoretical reasoning, we develop a framework for effective industry self-regulation that integrates the perspective of factories.     

Change agency in occupational context: lessons for HRM

Change agency is seen as a key route to reducing the occupational vulnerability of human resource management (HRM). However, few look outside of the HRM context to consider change agency more broadly in organisations. Drawing on a study of change agency units in British organisations, we argue that challenges to occupational credibility and competing jurisdictional claims have wider implications for the role of HR practitioners. In particular, change agency is better seen as replaying rather than resolving the ambiguity of HRM's role and identity in organisations.     

From spending to understanding: Analyzing customers by their spending behavior

In customer segmentation, a common strategy is to use individual differences as a predictor of future behavior. Recent advances in data management in large financial institutions give an unprecedented and potentially powerful source of data for identifying such differences. We show that spending data can substantially help target the direct marketing of financial products, and constitutes new information, not captured by demographics. In particular, a systematic combination of this independent source and more traditional measures can enhance the predictive power of marketing research and improve the relationship with customers as illustrated in a direct mailing selection method which substantially raises response rates.     

The view from inside the 'simulacrum‘: visitors’ tales from the set of Coronation Street

The social significance of visits to television and film locations has been little studied. This article concentrates on Granada Studios Tour (GST) - home of the external set of Coronation Street - and uses as its main source interviews with visitors to GST, conducted on site and in visitors' homes, to explore the complex significance of this site. Although sites such as GST have tended to be dismissed because of their ‘fictive’ status, a detailed examination of visitors’ experiences - in particular, their reactions to the Street set's status as an actual place of filming - suggests a more interesting picture. Visiting the Street set connects viewers to the ‘world of television’, a connection examined from a number of different perspectives: ‘aura’ (in Walter Benjamin's sense), social memory and symbolic reversals, pilgrimage and ritual place. The analysis of GST and the Street set as ‘ritual places’ draws in particular on the work of the anthropologist Jonathan Smith. It develops from the way the set connects two places and two worlds organized in a symbolic hierarchy: the ‘ordinary world’ of viewers and the ‘media world’. Such worlds are, largely, social constructions, but they are the basis of GST's particular ‘power of place’. The conclusion connects this analysis to Lash and Urry's recent (1994) analysis of the ‘resubjectivization of space’ in contemporary travel and reflexivity.