Managing credit risk might be the single most important business area for any commercial bank. The assessment of "good" and "bad" corporate clients is a important task for a creditor. A bad debtor is a corporate client with hardships in meeting the continous claims (interest payments) that a creditor requires. One way of evaluating or separating a "bad" client from a "good" client is to assess the propensity for the client to file for bankruptcy. This thesis examines 226 firms in the Swedsh market in the quest of predicting corporate bankruptcy.

Reliable methods to analyze food for the presence of almond are important ? not only for those allergic to almond, but also for monitoring the compliance with labelling regulations (EG directive 2003/89). Until now the Swedish National Food Administration has used methods like rocket immunoelectrophoresis and real-time PCR to detect almond in food. These methods are, however, not sensitive enough for protecting the most sensitive individuals. Therefore, the performance of a commercial ELISA kit was tested with regard to specificity/cross reactivity and limit of detection for almond both in solution and in different matrixes.The limit of quantitation was at least 3,1 ppm (mg/kg) in solution and similar concentrations were measured in bisquits and chocolate.

This thesis examines how the EU and Sweden aim to prevent radicalization through their strategies on preventing violent extremism (PVE). It contributes to PVE knowledge by examining how both actors plan preventive measures to combat radicalization and promote resilient societies. Analyzing Sweden's anti-terrorism strategy (Skr. 2014/15:146) and the EU strategy (COM(2020) 795 final), this study shows similarities in their approaches, particularly in targeting schools and youth with their preventive measures. Emphasis is placed on education to promote democratic and critical thinking, thus promoting resilience against radicalization.

This Bachelor thesis examines the possibility of replacing an outdated, analog video recording system to a digital counterpart. It is key that the video and audio signals remain synchronized, generator locked and time stamped. It is up to nine different video sources and a number of audio sources to be recorded and treated in such a manner which enables synchronized playback. The  different video sources do not always follow a universal standard, and differ from format as well as resolution. This thesis aims to compare a number of state of the art commercial of the shelf solutions with proprietary hardware.

Abstract Title: Benefit from Competition ? An analysis of the consequences of Stopplagen for the Swedish health care market Author: Cecilia Halldelius Tutor: Carl Hampus Lyttkens Date: 2005-09-05 Purpose: The purpose of the thesis is to examine how the new legislation for the health care market, primarily the anti-profit-legislation, will affect the competition in the Swedish health care market. Method: The thesis is based on literary studies. By combining theories and empirics regarding the health care market, competition and profit, a deeper understanding of the aspects important for the chosen subject, is created. Combined with official reports and the new legislation, an analysis is formed.

This thesis examines if commercial-of-the-shelf (COTS) systems meet the needs in different types of organizations. This was investigated through a case study of a COTS system. The system is built for contact centers and used in different types of organizations. Contextual inquiries with users from six different organizations were held together with interviews with stakeholders of the system. This gave an understanding for how the system is used and the needs to be met in the different organizations were recognized.

The purpose of this master?s thesis is to examine the activity at the library and preschool at Kristineberg (a part of the town of Borås) and its underlying approach. How do the activities agree with the ideological attitudes of the 1970s? To answer these questions I have carried out a case study based on qualitative interviews. The theoretical background includes ideas of the library, the community center and the cultural activity at the library.

During installation and operation of a geothermal heat pump system leakage of an antifreezing agent can appear in a borehole and leak out in surrounding groundwater. To guarantee high quality drinking water for generations to come Sweden has dedicated some areas as water protection areas. The local authority gives permits for the installation of heat pump systems within water protection areas. Before giving a permit the local authority makes an evaluation of the risks involved in installation and operation of the system within the area. By keeping a certain distance between the protected object in the area and the heat pump system the risk of polluting the protected object with an anti-freezing agent can be reduced.This thesis makes a comparison between three different methods of calculating an appropriate distance between the protected object and the heat pump system.

National identity, multiculturalism and invisible norms are three conceptions focused on in this essay. They are discussed and analysed with the purpose of deepening deepen the understanding of their meaning. Further on they become instruments in a study of the Liberal Party's proposal for new politics of integration. My ambition is to distinguish signs of a Swedish national identity in this proposal and to interpret the party's relation to multiculturalism.The method of this essay comprises partly a literature study and partly a qualitative analysis of text.My discussion and analysis ended in an understanding of national identity and multiculturalism as complex and interrelated conceptions. I found parts of a Swedish national identity in the value of working, in the fear of the cultural unknown and of eventual anti Swedish culture, in the idea of Sweden as the best country in the world considering gender equality and in the strong defence for the Swedish language.

Sweden adopted a new anti-discrimination legislation 2009, DiskL, which aim to prevent direct and indirect discrimination in matters of employment and occupation.According to directives and practices from EU, pregnant workers are entitled a special protection from discrimination during employment situations. The purpose of this essay is to study the legal protection for pregnant workers in employment situations and also analyze whether male workers have similar protection when they plan parental leave. Both regulations from the EU-law and the Swedish law are presented and discussed. This because Swedish discrimination legislation is largely influenced by the EU-law.The study confirms that pregnant workers have a strong legal protection against discrimination through directives from the EU and DiskL. Employers must include this protection in employment situations.

The purpose of this study is to do a research about some pedagogues? perceptions of the social phenomenon of bullying, about the roles that can occur and how these pedagogues consider themselves to work accordingly. Our research questions are therefore:What beliefs about the social phenomenon of bullying has the pedagogues?What roles emerge in different bullying situations according to the pedagogues?How do the pedagogues work with bullying and the roles that emerge?The study provides insight into how different approaches to bullying can contribute to various pedagogical implications in anti-bullying work. In our theoretical part we present general issues and the roles that different writers describe.

Den här uppsatsen handlar om mobbing ur elevers perspektiv. Jag har valt att intervjua barn i åldrarna 8-12 år, och barnen kom från två olika grundskolor i mellan Sverige. Den litteratur som används är mestadels baserad på nordisk forskning. I studien redogörs för barnens uppfattning om vilka personligheter som mobbar och vilka som offren är. Hur ser barnen på fenomenet mobbing och hur kan lärare och elever, enligt dem, arbeta tillsammans för att förebygga mobbing i skolan.

I denna uppsats undersöker jag hur det är att arbeta som hbt-aktivist i Litauen, och redogör för hur man som aktivist förbereder sig inför landets första Prideparad: Baltic Pride. Uppsatsens syfte är att ur ett queerteoretiskt perspektiv undersöka hur litauiska hbt-aktivister arbetar för att synliggöras som grupp.Jag undersöker på vilka sätt litauiska hbt-aktivister förhåller sig till, och verkar inom, heteronormativa praktiker i sitt dagliga arbete och i förberedelserna av Baltic Pride. Mitt material består av sex semi-strukturerade intervjuer med litauiska hbt-aktivister.Resultatet visar att det litauiska samhällets i mångt och mycket negativa inställning till hbt-personer påverkar hur aktivisterna väljer att presentera sig själva som grupp. I presentationen av sig själva vill aktivisterna bryta ner stereotypa bilder av homosexualitet genom att iscensätta ett genusbeteende som associeras till normalitet. Inom ramen för Baltic Pride innebär detta en slags Anti-Pride, där iscensättningen av hbt-identiteten som en del av normen uppfattas som en effektivare strategi för att utmana heteronormen snarare än att använda lekar med könsroller, stereotyper eller parodier av normativa genusbeteenden..

Objektet för min studie är Pow-Wow, en grupp som arbetar mot rasism och mobbning på en svensk grundskola. Syftet med uppsatsen är att genom en kvalitativ undersökning titta närmare på hur Pow-Wow, har startats, genomförts och utvecklats. Utgångspunkten är att liknande grupper som arbetar mot rasism är sällsynta i svenska skolor. Därför är det speciellt intressant att titta närmare på hur det kommer sig att Pow-Wow startades på skolan och varför verksamheten har kunnat överleva så länge. För att kunna besvara dessa frågor har jag intervjuat skolans nuvarande rektor, skolans före detta rektor, de två lärare som arbetar med Pow-Wow och en elev som var med under Pow-Wows första år.

This thesis in Art History and Visual Science is about values to graffiti and graffiti artist Banksy. I have studied values relating to Banksy´s graffiti images through which context they are placed in and where they are located. I have selected two different images of Banksy as an example on the basis of a transnational phenomenon, where the images that circulate in the public arena by street art and other images and imported into the galleries and consumption market. My conclusion is that the values of the images are based on the context in which each room have its surroundings and that therefore the impression will increase. The public space context, signal availability and the white cube context indicates art, and the commercial context signals goods and items that can be bought.