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Because so many mortgage companies and lending institutions pass of the debts represented by their loans to third parties, there is little incentive to ensure that borrowers actually qualify for loans based on their income and credit history the way might where the original lending institution must absorb the cost of eventual default. Throughout the mortgage industry, practices evolved where realtors and mortgage brokers actively encouraged borrowers to misrepresent their financial circumstances to qualify for much more expensive properties than they could actually afford. Brokers who objected to this practice were subject to reprimand and even to dismissal from their positions, precisely because the moral rules within that vocational environment conflicted with objective values, not to mention federal law. Faced with similar circumstances, I would have no choice but to voice my objection, even at the expense of my position.
Similarly, my moral perspective does not permit rigid adherence to formal rules where those rules conflict with objective moral considerations. For example, if a coworker misplaced her ID card, I would not refuse to allow her to use mine to access the building, despite the fact that the rules of our workplace specifically...
In this situation, there is no issue of safety provided the coworker is someone known to me personally (rather than a stranger). Even if the employer has a legitimate interest in maintaining an accurate data base of computerized access and egress information logged by the computer chip in our ID cards, I value the impact on the coworker for having to return home for her card or disrupt her morning complying with formal rules of acquiring a temporary ID card over the interests of employer in maintaining accurate records.
Conclusion:
My moral perspective values character ethics in many instances, because the underlying motivation for contemplated action often provides valuable information relevant to moral decisions. However, because character/virtue ethics and deontological rules often fail to account for specific circumstances, I rely more heavily on utilitarian principles, because they emphasize the ultimate effect of my moral decisions and actions.
In my view, the primary purpose of moral decisions is precisely to achieve the greatest moral good, regardless of adherence to rules or even of the underlying morality of the motivation where neither actually produces an objectively moral result.
Personal Ethics Development A personal ethics system is a category of philosophy that stands apart from other ethical systems such as business ethics, legal ethics, value ethics, or any of the other various ethical perspectives. The component that makes a personal ethical system special is that it is uniquely derived from an individual's experiences and beliefs. Although an individual's ethical system may share overlapping material from more formal systems, it also
Ethics Statement I base my personal ethics on the rights and responsibilities lens from the Four Ethical Lenses. This lens focuses on the key questions such as: What rules and duties must we follow? And What rights are relevant? This standard of ethics is rooted in deontological ethics, where our actions are guided by our sense of right and wrong, and that sense is in turn guided by society's standards. Consider the aspect
Personal Ethics Development Personal ethics are something that develop over time. According to Corey, Corey, & Callanan (2007) ethics originate or emerge "from what has occurred rather than from anticipating what may occur" (p.10). Ethics result from the desire to achieve and strive for what is in the better welfare and interest of the self and others. Ethical development stems from the standards and behaviors that develop when a person acts,
Personal Ethics Development For an individual, group of individuals or even a business organization to succeed; it is necessary to come up with or develop well defined rules of engagement and behavior or set of ethics which are adhered to by each and every individual across the board. In most places all over the world, acts like making other people suffer (on purpose), stealing or even dishonesty are taken to be
Business Ethics At one time it may have been possible, if inhumane, to run a business like the Robber Barons, on sheer fear, power and control. If a person incorrectly followed directions, made too many mistakes, or did not put in numerous extra hours, then he/she was expendable. Someone else could easily take that place in the factory. In these days of quickly changing times and technology, increased globalization, international competition, and
Therefore, corporations have had to change their viewpoints and start looking at the long-term consequences of their behavior, as well as looking at the bottom line. Businesses also have to be concerned because consumers have also become aware of environmental concerns, and many consumers are demanding earth-friendly products and have shown a willingness to pay more money to competitors who observe environmentally-friendly practices. Interestingly enough, this demand has given rise