This Degree project is a study about the Mortgage Cap, introduced in October of 2010, and its impact on the demand for rented apartments. The mortgage cap was introduced to decrease the households? loan-to-value ratio and thereby increase their economical resistance during times of financial instability.The past ten years Swedish households have continuously increased their average loan-to-value ratio. In an attempt prevent this negative development Finansinspektionen introduced a mortgage cap stating that banks should no longer grant mortgages corresponding to more than 85 percent of the property?s market value.In order to answer the main question two methods were used both a survey and two interviews.

Abstract______________________________________________________________________Title:A study about creating understanding for different kinds of empowermentLevel:Bachelors thesis in Business Administration, 15 creditsAuthor:Fredrik LegovicSupervisor:Tomas KällquistDate:2014 - JuneAim:The main purpose of this study is to increase the understanding for different kinds of empowerment and how it affects the staff in the public sector.Method:The choice of method was based on the research aim. The method used to meet the objective was qualitative. The qualitative study was conducted with a hermeneutic basis, where individuals were asked to describe their experience of empowerment and how they feel affected of it. This thesis has a deductive approach, where existing theories dealing empowerment formed the basis for the design of interview substrate, which is then paired with the empirical evidence, based on this the conclusions was drawn.Result & Conclusion:What separates the different kinds of empowerment and how it affect the staff depends most of all on how the management chooses to communicate and share information with their staff.Suggestions for future research:A study regarding managers that works with different kinds of empowerment, and how that affects them, could be regarded as an interesting future research.Contribution of thesis:It shows that different kinds of empowerment affect the staff in different ways, which I made clear to the readers.Keywords:empowerment, thinking skills, relations and organizational - structure and theory.

The purpose of this study is to explain how shame can be experienced by women with the stigmatizing illness of alcoholism. Another aim is to illustrate how this shame can be affected in social interaction with others and by other circumstances. The following questions will be highlighted in this essay: How can shame be experienced by female alcoholics? What can affect shame in interaction with other people, from the view of female alcoholics? What other circumstances can affect the shame, from the view of female alcoholics?This study features interviews with women who have successfully gone through the process of rehabilitation from the illness of alcoholism, have a long going and stable sobriety and arecurrently part of the work force. The study also features interviews with therapists specializing in the field of addiction recovery and have considerable experience in their fieldof working with women suffering from alcoholism.The subject matters shame and stigma form the theoretical/analytical tools for this research.

A lot of habitats have declined or disappeared as the old cultural landscape changed to the modern agricultural landscape of today. Places such as power line corridors, racing tracks, gravel pits and military training sites have become refuges for many species associated with the old cultural landscape. These sites have been exposed to ecological disturbances that create the same type of habitats that were found in the old cultural landscape.The military training sites in Sweden has an impressive diversity of species. Disturbances from the military exercises have created habitats that are important for a wide range of species.The purpose of this thesis is to study some of the ecological disturbances occurring in the military training sites of the Swedish Armed Forces and examine how they affect different types of habitats. The thesis explains through litterateur and field studies the reason to the rich biodiversity often found at military training sites.

This study takes its starting point in ongoing changes and differences in the global power dynamics. The liberal rules-based world order that has been acknowledged for governing the world with the US as the hegemon of power has been strongly challenged during the last decades. Russia?s invasion of Ukraine can be seen as an example of ongoing changes in the world order, with Russia as a challenger to the US as the hegemon of power. The changes and instability that this has led to for Sweden's national security situation can be seen as a concrete example of how ongoing changes in the world order affect Sweden?s foreign policy.

Our society has become a society of knowledge. The answer to the question of how to reduce unemployment has become more and more unified: education. In this case, higher education, meaning college and university. With this disposition in our society, how does it affect the students? How does this change of society and our universities affect the students of these institutions? In this study we have chosen to examine the choices of students in universities in several Swedish cities.

The purpose of this study is to investigate whether the employability of newly graduated social workers is affected by the Supervised Practical Work Experience performed during the educational program. Four main questions were developed in order to establish an educated and concise theory: Does the newly graduated social worker?s choice of a specific Supervised Practical Work Experience affect their employability? Does the structure of the Supervised Practical Work Experience affect newly graduated social worker?s employability? What specific skills do employers within social work consider important for their organization? Is there a difference in how the representatives of various organizations within social work answer the aforementioned questions? The study was conducted through six qualitative semi-structured interviews. The people being interviewed work either as employers or recruiters in organizations from different areas within social work. Theories concerning organization and symbolic interactions were used during the analysis of the results.

Background:In Sweden and Northern Europe, cardiovascular disease mortality rates are high. The clinical picture in the Western world is dominated by lifestyle diseases in which individual behavior and attitudes have a significant impact on the health effect. In the society cardiovascular disease is seen as an illness factor and contribution to disability. Conditions for a good life are not only good health also factors such as intimate relationships and meaningful work which affect the person's quality of life.Aim:Lifestyle changes and quality of life for patients, regarding cardiovascular disease.Method:A literature review was made. Eight articles, quantitative and qualitative were analyzed.

2011 Praktik med examensarbete i idrottspedagogik inom Idrottsvetenskapliga programmet, 15 hpSofia Pettersson (2011). Miljön kring Dalarnas damfotbollsspelare ? Vad påverkar deras möjligheter till utveckling? (The environment surrounding female football players in Dalarna, Sweden ? What factors affect their opportunities to develop?) Bachelor Essay in Swedish. Umeå: Umeå university, Department of EducationThe following study investigated the environment in which female football players in the district of Dalarna in Sweden operate. The aim was to identify the elements that affect the players? ability to develop according to their own potential, values and differences.

Sow shoulder lesions are a common form of decubital ulcers in sows. The wounds are often bilateral and affect both loose housed and restrained sows. In most cases shoulder lesions develop after farrowing and heal after weaning. Sows that once have had decubital ulcera are however more proned to develop new wounds after the next farrowing. The problem is multifactorial and a number of risk factors have been described, including body condition, body size, parity, time spent lying down, flooring, moisture, breed, body temperature and some herd factors. The aim of this study was to investigate whether the height of the tuber spina scapulae is a risk factor for the development of decubital ulcers.

The objective of this study was investigating social worker?s perspective of how alcohol consumption can affect, and what elements in the social environment that may be of significance for, alcohol consumption and development of identity. The questions at issue were: Do social workers experience any positive effects from alcohol consumption in 16-17 year-old girls with problematic alcohol consumption and what influence do the effects have on self esteem, self image and development of identity? What do social workers experience are the negative effects from alcohol consumption on self esteem, self image and development of identity? How important do social workers find the social environment and how do they believe the social environment affect the alcohol consumption and development of identity? This was investigated with a qualitative approach from a social worker?s perspective, hence social workers were interviewed. The study?s theoretical basis was Symbolic Interactionism and Erikson?s theory of Psychosocial Development.

The knowledge of value-enhancing factors in condominiums is very important for real estate agents when valuing condominiums, but it is also of interest to the owner for an upcoming renovation and sale. Previous research has sorted out the most fundamental factors affecting value of condominiums such as location size, age and condition.The purpose of this paper is by consumer?s actual preferences regarding various attributes identify the most value-adding factors in condominiums. Thereby we want to add and nuance previous research.This has been done through a quantitative method in which possible buyers have ranked how various attributes affect their willingness to pay. The results were analyzed and the median of the various attributes have been recognized.The result shows in accordance with previous research that the location is the primary value-adding factor.

Parenting and parental leave in a career context is a highly topical subject in which discussions about gender equality and corporate discrimination against parents occur daily. Media has recently raised the theory of parenting and parental leave as having positive impacts on personal development, such as creativity enhancement, which may promote the individual's work performance. Despite the subject's significant value for society and organizations, no scientific research is to be found. This paper examines how an individual's creativity at work is affected when becoming a parent and if parental leave has any contributory effect. Furthermore, the paper identifies and scrutinizes four creativity theories that may help explain these changes in creativity.

 The aim of this thesis is to examine men's attitudes towards literature, and how social norms affect their book reading, in order to contribute to the knowledge of why men's book reading is decreasing. This is realized through a discourse analysis of literature recommendations in men's lifestyle magazines.Two magazines, King of Sweden and Magazine Café, are examined through critical discourse analysis. Theories of discourse are combined with theories of gender to explore how gender stereotypes affect men's reading habits.The analysis shows that ideals of masculinity have a great influence on the book recommendations. Social norms, associated with gender, also seem to have significance to whether or not a book is considered suitable for men to read. These are, inter alia, norms of heterosexuality and violence.

The purpose of this study is to explain how shame can be experienced by women with the stigmatizing illness of alcoholism. Another aim is to illustrate how this shame can be affected in social interaction with others and by other circumstances. The following questions will be highlighted in this essay: How can shame be experienced by female alcoholics? What can affect shame in interaction with other people, from the view of female alcoholics? What other circumstances can affect the shame, from the view of female alcoholics?This study features interviews with women who have successfully gone through the process of rehabilitation from the illness of alcoholism, have a long going and stable sobriety and arecurrently part of the work force. The study also features interviews with therapists specializing in the field of addiction recovery and have considerable experience in their fieldof working with women suffering from alcoholism.The subject matters shame and stigma form the theoretical/analytical tools for this research.