Credits are considered as a natural financing form for all types of companies. The financial market in Sweden is dominated by four banks and the credit appraisals that are done by these banks are partly based on credit reports from external companies. This thesis? purpose is to increase the knowledge of which the consequences of payment remarks can imply for companies in relation to the banks. A qualitative study has been done to relay to the purpose, through the means of interviews with four companies, four banks, one rating institute and a collecting agency.

AbstractThis is a thesis done in cooperation with the firm Somas and University of Karlstad. The project is an independent final examination part of the program in Innovation and DesignEngineering comprising 22.5 points, and performed by Mia Myrén Zreloff during spring term 2012. In parallel and collaboration, Fredrik Kjellin performs a similar job for the same company and with the same extent, but for the Program in Mechanical Engineering.The client and supervisor at the company have been Magnus Jansson and Anders Josefsson. At Karlstad University has technical supervisor been Hans Johansson, and in the design- and development process it was Monica Jakobsson. Examiner has been Fredrik Thuvander, professor in the Faculty of Technology and Science at Karlstad University.The mission has been to make a basis work for the company's own development and make a computational model to calculate, visualize and implement materials and other solutions in the manufacture of the company's ball valves.The project has undergone three major phases that included thorough study of the company, production, the problem and product.

In speech and language intervention, the ability to interact is seldom evaluated; rather intervention is evaluated in terms of improved testresults.  If goal-setting in intervention also is based on everyday communicative needs, the relevance of the treatment may be increased and intervention outcome may be implemented in the patient?s natural environment.The present study, as part of a research-project, is based on analyses of interaction and interviews to examine everyday conversations and speech and language intervention. The aim was to explore if there is a relation between everyday communication needs and goal-setting in speech and language intervention for people with aphasia. A further aim was to investigate if there are everyday communicative needs that may form goals for speech and language intervention.Two individuals with aphasia and one individual with both dysarhtria and aphasia participated in the study. Three speech and language pathologists and two relatives also participated in the study.

Gavlegårdarna is in the state of an invisible dissatisfaction situation from the students on the University of Gävle.This paper shows how the students feel about their housing situation in Gavlegårdarnas student apartments. It is a basis of change that hopefully will open up Gavlegårdarnas eyes and minds for changes.In this paper we come up with solutions for Gavlegårdarna to create a more satisfying student-housing situation, for the students on Högskolan i Gävle who are situated in Gavlegårdarnas student apartments..

New method for measuring road quality- A statisticalstudy of the relationship between road quality andsocioeconomic development A new tool with implications for road maintenance has the potential to yield statistical data for road quality in a large number of regions. This thesis investigates the possibility to develop a method, from this data, for evaluating the effects of road quality on socioeconomic development.The thesis is essentially divided into two parts. Part one looks to qualitatively establish the link between socioeconomic development and road quality and the second part focuses on how to develop a method for evaluating the effects of road quality on socioeconomic development. A method was devised using categorical data and a multinomial regression model. This method provides a comprehensive overview of the complex relationship between a variety of different variables.

It is a well known archaeological concern that the remains of human bones left from the bronze age and early iron age Scandinavia are not nearly enough to represent the estimated population of the time. Furthermore the bones of each find rarely represent a whole individual. The majority of the bones must have been disposed of somewhere else, possibly scattered in running waters or in the fields, where they have evaporated or are securely hidden from archaeological excavations.This thesis deals with the grave concept and the problem in using a word that is so very clouded by its modern, western meaning. It also offers an alternative explanation to why the bones are handled the way they are and why they are found in such awkward contexts..

Lansen Technology is a security company from Halmstad, Sweden and their focus indeveloping and selling alarm solutions. One of their latest inventions is a vibration sensor thatrecognizes very small movements in the ground.The thesis work was made in cooperation with Lansen Technology AB and the task was toinvent a test equipment that decides whether the sensor is working correctly. By generatingcertain frequencies with specific amplitude, we will expect the sensor to give a similar output.The final report includes all the parts of our work as studying, choosing components,programming, construction, results and conclusion..

The water company MittSverige Vatten (?MidSweden Water?) located in the Medelpad, Sweden was in need of a moreexclusive water carafe for restaurants and conference in the region. Current design solution was not able to cope with thedemand of a more exclusive setting and was not promoting the company in a good way. In the beginning of the projectit became clear thru an intense interview period that there was at least three directions for design solutions the companycould go for.? A carafe (exclusive settings)? A pitcher (conference and lunch servings)? A water dispenser type (serving of larger amounts of water during a certain brief periods of time.)It was decided to go for the exclusive one.Small pieces of rock from the last ice age turned out to be a vital component of the new design concept for the company..

Single vehicle accidents are one of the most common types of accidents that occur on the Swedish road network. Depending on the design of the road, the presence of a crash barrier and embankment on the roadside, the outcome of a roadside collision can lead to serious injuries and even deaths.The aim of this project is to investigate the possibility of improving road safety by designing the optimal roadside area based on the results of a life cycle cost analysis (LCC).The questions that have been answered during the duration of this project are:1) Describe the current technical solutions for roadside area design and the various barrier types used in Sweden.2) Complete an existing mathematical model that has been developed by Hawzheen Karim, for calculating life-cycle costs for various roadside areas.3) Calculate and compare the life cycle costs for the side area with a barrier and without a barrier.By performing an analysis of the documentation on the current guidelines and rules for shaping the roadside, was it possible to describe the current technical solutions for the formation the roadside as well as the current roadside barriers in use today. A mathematical model for calculating the life cycle costs of different barrier types had already been developed by Hawzheen Karim. This model was supplemented so that it could calculate life-cycle costs of the roadside region with and without a barrier. After the model was completed, an analysis was performed to obtain life-cycle costs of a roadside with and without a barrier.The result showed that there is a clear relationship between the slope inclination, fill height, and the rate at which the costs rise.

The competition in sports equipment and sports fashion today is fierce. And as e-commerce grows, the competing players has to remain accessible and usable regard-less of the device their customers visit the website on. Stadium is Swedens biggest player on the market and puts a lot of effort on their online activity. Something Stadium found interesting was the possibility of introducing elements that would increase the conversion rates directly into the product menu. This study explores the possibility to find a responsive solution for the product menu at Stadiums? e-commerce website which could contribute to increased conversion rates.The study is built upon an experiment and the foundations of the experiment is based upon a market analysis of used design patterns for product navigation in the domain of sport resellers.

Live exports of animals began during the late 19th century and are nowadays a valuable alternative to the slaughter industry in Australia. About four million sheep and half a million to one million cattle are exported annually from Australia to the Middle East and Southeast Asia. Most of these animals are exported for slaughter, but some cattle are exported with the purpose of breeding. One factor that has been the driving force for the live export industry is that countries through tariffs and other barriers have favored the import of live animals rather than the import of meat.The export means that animals with a great cognitive ability are exposed to a long chain of production from the farm to the market and there are many factors that can affect the welfare of the animals in a negative way. Some of the most serious are high temperatures and a high stocking density, although seasickness, noises and handling can also have a negative impact on the welfare of animals.

The project this report is handling has been implemented on NBB, Nordisk Bilbelysning AB in Linköping. The company produces and develops lightning and searchlights for all types of vehicles. Lately NBB´s supplier of electronics, OSRAM, has developed a mercuryfree xenon lightsource. Mercury is one of the most hazardous environmental waste and to get rid of the mercury entirely in the lightsource is a big step that means alot for the environment.This lightsource will be placed in one of NBB´s worksearchlights called My, and will be sold as an alternative to mercurycontaining searchlights. NBB wants to put an environmental label on this product and they want to have essential information about the product that is needed for the production.

As a teacher in baking and patisserie courses there can be difficulties in following the curriculum for Patisserie 1. If this leads to an education that is not the same for all the schools in the country, it creates a problem that has to be solved. The results of this investigation show that teachers generally do not follow the curriculum but instead chooses their own solutions. Some conclusions that have come forth are that the National Agency for Education needs to make the curriculum clearer and give tangible examples of products, that can either be classified as easy or complicated, in the field of baking and pastry courses. I have chosen the standardized interview method.

This case study is performed within the production of Sherwin-Williams, Bellö. The purpose is to increase the understanding how a value stream can function more efficient, from a lead time perspective. With the analytical model that is build up on known theories, the purpose have been fulfilled. Mapping of value and non value time for four products thru their respectively process reveals wastes, which is, waiting, transport and movement, incorrect processing and set-up time that in it self create transport and movement. Thru identified wastes that causes loss in lead time suggestions of improvement has been proposed.

AbstractThe purpose of project is to study the possibility for Borås Energy & Environment to build and run a commercial ethanol production facility in Borås. The project also studies the technology for the production of ethanol using renewable energy, e.g. lignocelluloses with focus on two processes, svag-syra hydrolyse and enzymatic hydrolyse. The technology of the process is based of hydrolysation of biomass (hemicelluloses and cellulose) to sugar and extract it to ethanol. These two techniques will compare with each other to determine which of them that it?s more suitable for ethanol production.