The last years? financial situation has contributed to an increased willingness from the banks to handle risks. The most important risk to cope with is a risk that is related to a customer?s ability to repay loans. Forecasts indicate that in the future, Swedish farmers will be facing profitability challenges, which points to a need to reconsider the banks procedures considering risk management in credit granting for agricultural businesses.Today?s risk management will be given two complements in this study.

Syftet med föreliggande uppsats var dels att psykometriskt utpröva en svensk översatt självskattningsskala för bland annat skam, Test of Self-Conscious Affect (TOSCA) och dels att undersöka i vilken grad patienter, som får korttidsbehandling av social fobi med hjälp av kognitiv beteendeterapi upplevelse av skam förändras. För den psykometriska utprövningen utgjordes jämförelsegruppen av 72 st psykologstuderande vid psykologiska institutionen, Stockholms universitet. Den kliniska gruppen utgjordes av 8 st behandlingsdeltagare. Resultaten visar att TOSCA har en god intern konsistens och en hög test-retest relia¬bilitet. Dock kunde ej testets samtidiga validitet påvisas i denna studie.

This paper investigates a number of components that influence the relationship between consultant and client in a procurement process of ERP. The paper deals with Trust, Commitment, Cooperation and Satisfaction. The problem lies within the fact that consultants do not know how and to what extent the components affect relationship quality. Based on the theories in the areas of procurement, relationship marketing and relationship quality, information has been gathered about how the various authors believe a procurement process works, how they view relationship marketing and how relationship quality is created. The components discussed are trust, commitment, cooperation and satisfaction.

The aim of our master thesis is to study the way valuation of real estate is conducted by real estate companies. Furthermore we want to identify the factors that affect the relevance and reliability of the valuation. The reason for this is the introduction of IFRS, in 2005, and the application of the IAS 40 rules stating that real estate are to be recognized at fair value on the balance sheet. To do this we have performed a case study on 10 Swedish real estate compa-nies listed on the Stockholm stock exchange, OMX, Large Cap and Mid Cap list to see how the share value has performed in relation to the reported net asset value since 2005 and how they value their collection of properties. We also studied the assumptions made by real estate company analysts.

The purpose of this study has been to examine how customers, by interacting with each other, can communicate and create the image of a brand. We find this topic to be relevant since there are no previous studies conducted concerning the customers influence on the brand image. Our ambition has been to describe in what ways and to what extent the customer can affect and influence the brand image by communicating with other customers. To fulfill our purposed we have targeted three important questions which are:? In which ways can the customer affect the communicated image of a brand?? To what extent can the customer influence the brand image and the perceived value?? Who has control over the brand, the customer or the company?For this study we have used a qualitative approach in which we have conducted eight personal interviews with brand consultants and the editor of the magazine Dagens Media which has given us the foundation for our analysis.

The purpose of this investigation is to come across the associations of consumers who are being exposed to a brand extension from a different product category. Moreover, our aim is to contribute to the knowledge of how consumers respond to these extended products, by investigating the influence of the parent brand. To fulfill our purpose, this study was conducted through qualitative interviews with consumers. In order to carry out our investigation and analyze our findings the following theoretical framework has been used: Customer-based equity, Parent brand affect and Perceived fit. Our data was collected through ten semi-structured interviews including consumers of Fiat and Marlboro brand extensions.

 AbstractThis study is performed by studying seven livestock businesses in the agricultural sector. The focus of the essay has been put on the structures that limit and enable the lives of the farmers in this study. One of these major structures that affect everyday life is the gender structure and to this day the housewife role exists where the women are responsible for the home, family and domestic pets while the men are responsible for the production, machinery and the heavier tasks on the farm. This is grounded in the history and the development that agriculture has gone through, but also in the strong patriarchal power structure that exists in this industry. In this essay I also show how the life form analysis of Liselotte Jakobsen and the independent life form can not be fully applied to the farmer as he is not completely independent in his work.

This thesis builds on the core problem: What Factors Affect IT-related Group Communicationwithin Oragnizations? With sub-questions: How does the daily communication in the workplacepresent itself? How can the individual affect communication? The purpose of this paper is toinvestigate which factors influence group communication positively and negatively, andhow communication affects the daily work in an organization. For this study, the fourinterviewees, from four different organizations, have been selected to participate in astructured interview conducted with the help of an interview guide. To analyse thequalitative data derived from interviews, a method of creating patterns and themes wasused. This is presented by selected quotations from the interviews in order to provide aricher depiction of the collected data.The result could indicate large gaps in both formal and informal communication, whereemail turned out to be one of the biggest single problems.

Piglet survival is of importance because it affects the farmer?s economy and the welfare of the pigs. There are several factors affecting piglet survival and they are often linked to each other. This paper will focus on how the behaviour of the sow can affect the growth and survival of the piglets and also possible causations of differences in maternal behaviour. Sows in intensive production systems have different possibilities to express their maternal behaviour than free ranging sows.

This thesis aimed to investigate how a rising sea level would affect the livable area of the island Fongafale, Tuvalu. Through the IPCC stabilization scenarios it was examined which areas of the island that would be affected by flooding. The local population?s perceptions of the effects of climate change were studied to see how the consequences of a world-wide problem such as global warming affect people's lives. The paper clarified the Tuvaluans place in the discussion of climate refugees, explained IPCC's work and described the results of previous studies concerning people in Fongafales perceptions and concerns about climate-related changes.

This exam work project strives to investigate different roles a teacher can adapt to in classroom situations. The focus is on three different types, gained from a dissertation made by Evelyn Säll where she has investigated teacher students? opinions about the teacher?s role. These types are:the Dramatist, the Director and the Illuminator, and five teachers are defined accordingly. Questionnaires and observations are used as a tool in order to come to a conclusion.

The aim of our study is to examine experience of the quality of life for elderly people with assisted living from their own, and caretakers, perspectives. We also aim to examine how elderly people in assisted living, and caretakers, experiences that they could affect the elderly people´s quality of life. The study is based on a qualitative method and the data is collected by interviews with four recipient of care and three care takers. The result shows that there are many factors that have an importance when it comes to quality of life for the recipient of care. It has shown in the study that the recipient of care and the caretakers put emphasize in the same factors. These factors are health, the affect of assisted living, happiness, relationships and self-determination. The result has shown that the assisted living has a major importance when it comes to the quality of life for the recipient of cares..

This report is a qualitative interview study which central content enlightens how movement and sports effects children?s performance in school. With the help of five different teachers in three different schools questions like; how does movement effect the performance of children in school? Have been answered.Lots of research and litterateur shows that children is doing better physical and mental, the concentration level is improved and the performance in school is better when exposed to more movement, also there are less conflicts and the students gets better motor skills.Comparison with the ?Bunkefloproject? has been done, which was a project in the south of Sweden where they let the children have physical education every day and then they examined how this effected their performance in school. With this basis this report will examine the teachers view on the subject.The result shows that the teachers think that there should be more movement in the daily schedule for the children because they seam to be more happy and concentrates better after movement.

Computational techniques have transformed the journalistic approach. Journalists now have the opportunity to integrate user-statistics from the news website with their work. Singer (2011) argues that journalists seem particularly afraid of items, which they perceive as trivial or otherwise unsavory, will prove popular - potentially creating management pressures to produce more of those stories. She describes this practice as ??traffic whoring??.

Det här kandidatarbetet undersöker hur Physically based rendering kan påverkar en 3D-grafikers arbete. Målet är att skapa förståelse kring physically based rendering och hur denna tekniken kan komma att påverkar en 3D-grafikers arbete. För att undersöka problemområdet skapades en virtuell miljö i 3D med hjälp av physically based rendering. Arbetsupplevelsen jämfördes senare med det tidigare arbetssättet. Undersökningen beskriver tidigare arbetsätt och hur arbetet har ändrats med physically based rendering.