A Script on Ethical Dilemma

This script narrates an ethical dilemma faced by employees of a bank. The loan manager plans to increase interest rates and use brokers to lure customers into applying for large loans to gain more commission. Two employees decide to report the issue to the general manager, despite the risks involved. The manager appreciates their honesty and takes appropriate measures to stop the unethical practices.

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Running head: A SCRIPT ON ETHICAL DILEMMA
A Script on Ethical Dilemma
Student’s Name
Institution

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A SCRIPT ON ETHICAL DILEMMA
It’s in a meeting proceeding in the office of Common Wealth Bank’s Housing Loan
manager. Several brokers of the bank are in the house together with the manager’s
personal secretary. Everything seems okay apart from the anxiety of the shareholders to
know what the manager called them for.
Loan manager: Good morning?
All: Good morning too sir.
Loan manager: It’s my hope we are all doing well and going on with the job well. I’m happy
with the work we have been doing so far. The bank have been seen to
improve in performance as far as mortgages sales is concerned. The
number of customers we serve has drastically improved from 20% to 30%
in the last three months.
Broker: This is such a nice report sir. On our side as brokers we are doing all we can
to ensure that these sales rise even beyond 50%. We desire to see the bank
grow.
Loan manager: wow! This is very encouraging. I have some good news for you today. Due to
these improvements, our manager has introduced a strategy that will help in
shooting the sales even to higher levels. He has decided to involve the
staffs too in this process of improving our organization. We will be receiving
commission too depending on the number of successful sales we facilitate.
I have thought and decided to include you in this that you may gain
something too.

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A SCRIPT ON ETHICAL DILEMMA
Mr. Mau: We are glad sir. In which way do you want us to be involved in this?
Loan manager: alright, this is how we will go about it. You are going to earn yourself $1000
for every client you will bring me. How do you love it?
Broker: It’s a good deal sir, I can’t wait to start it. A thousand dollars is quite a huge
amount of money. No one would ignore such an amount.
Mr. Mau: I have a concern sir, where are you going to afford compensating us with
amount of money. I feel it’s quite high for you.
Loan manager: That should not worry you, I have it sorted. The same customers we are
bringing will cater for the cost. We will double the interest rates of the
loans we will offer them. However this should remain a secret
among us if we want to reap much from it. I hope I can trust you.
Broker: Sure! You can.
Mr. Mau: I have an objection sir, adding the rate of interests is not fair to our customer
since we are not giving them anything in return for the added cost. This is
illegal and against our ethics too.
Loan manager: I don’t think this should be an issue at all. We all need money and this is a
deal that you cannot find in any other place. Grab it and run. I guess we
should be discussing on how to maximize sales. We will also be urging
our customers to apply for large amounts of money if we want to get high
commissions too. Are we together?

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A SCRIPT ON ETHICAL DILEMMA
Broker: Yes we are sir. Thank you for considering us.
The meeting was adjourned though Mr. Mau didn’t show satisfaction of the decision made.
He however saw it wise to leave it since it seemed to be a losing battle. Dan was still
disturbed by this decision but being just an intern, he decided to remain silent too. He was
however very uncomfortable and felt he should find a way to solve it. He had however
found Mr. Mau, a man who they shared ideologies. Maybe sharing with him would bear
some fruits. He decided to visit him in his office.
Dan: Hello Mr. Mau, can I have a minute with you?
Mr. Mau Sure, you can Dan, how are you doing?
Dan: I’m doing well despite being troubled by my boss’ decision. I’m finding it
uncomfortable.
Mr. Mau: I understand Dan, I also have the same feeling, I tried my best to oppose
the idea but then I saw there was no way I was going to win the
argument. He is at a higher rank than I further more whatever he says
is always right. What troubles you and you are just new here?
Dan: I just feel it’s against my values. This action is illegal and against the
ethics of banking. We will be stealing from our customer if we
choose to go with this decision.
Mr. Mau: That’s true, but I don’t really see what we can do as at now. We are
powerless.

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A SCRIPT ON ETHICAL DILEMMA
Dan: If we choose to keep quiet and watch we might suffer in one way or the
other. If this decision is implemented, hardly can the customer bear
the burden. They try to seek other cheaper ways of getting loans such
as approaching young microfinance bank or even savings and credit
cooperative societies. The bank will eventually lose some
potential customers.
Mr. Mau: Oh, that’s very insightful of you but I have decided to just let go. I will
do the business in the right way and live the other to continue with
the illegal business.
Dan: What if the managers comes to know of this, we will all lose our place in
this organization.
Mr. Mau: I’m getting you but still this is beyond us. Either way it’s not safe. The
loan manager still can make us lose our job.
Dan: That’s true but we should give speaks what we stand for. This is called
giving voice to value. We all know what is right. This calls us to
now the say it in a way that it will persuade them that we are
targeting. I suggest we communicate this to the manager in a good way
and we can stop it. He is the right person who can solve all this. I know it’s
risky but it is the right thing to do.
Mr. Mau: Wow! I had not viewed it in this angle. I think this is the right thing to
do.

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A SCRIPT ON ETHICAL DILEMMA
Dan and Mr. Mau decided to book an appointment with the general manager. They had
seen that this was the right thing to do.
General Manager: Good morning!
All: Good morning too sir.
General Manager: Please you can have a seat.
They all sits and Mr. Mau begins to share.
Dan: Thank you for having us sir. The reason we came to you is because of
something that has been happening without your knowledge. We
understand the risk accompanied by this but we have
chosen to stand for what is right. The Loan Manager has been planning to our
brokers to gain commissions from the offer that you introduced.
Consequently, he plans to increase the customers’ interest rates which we
understand is risky for the bank.
Mr. Mau: He also plans to use the broker to lure the customer to apply the for huge
amounts of loans so as to gain more commission. We understand
that this is against the banking ethics. This is also illegal since it is
happening without your consent.
General Manager: I’m surprised that all this has been happening here without my knowledge.
However I’m happy for such a bold step you have taken. Such
characters are very rare in today’s word of business world. I will take
appropriate measures to stop this. I understand this is a risky step that

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A SCRIPT ON ETHICAL DILEMMA
you have taken be assured of my support and protection. Be assured of
your job security.
Dan: Thank you for the sir for listening to us. I’m are assured that the business
will improve even the more. A profession should be beyond money
since when this is reversed all goes wrong.
General Manager: Sure, I’m amazed by your spirit, we are lucky to have you here.
They left the office feeling relieved since their values had been respected. The manager was
also happy in the way they approached the whole issue. He decided to conceal their identity
as he was addressing the issue so as to reduce the probability of conflict. They had
convinced the manager too that this was the right thing to do.

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A SCRIPT ON ETHICAL DILEMMA
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A SCRIPT ON ETHICAL DILEMMA