In Sweden today almost all people are connected to a bank in some way. It can range from loans, savings, shares, etc. They have a current account where salaries, student aid etc. is paid. Due to the large selection of banks, it has become more important for banks to be competitive in their services to their customers so they don?t change bank.

The vegetation?s impact on erosion control is widely explored, even though research? results are scattered where it suggests a both positive and negative relationship between roots and erosion tendency. Research has measured the roots? impact on erosion by many different methods, hence the aim of this study is to offer a clearance of what factors play an important role in the choice of appropriate species controlling river bank erosion. I have therefore studied 17 articles concerning vegetation and erosion control, which were found in different databases such as: Web of Knowledge, Biological Sciences, Academic Search Elite and Google Scholar.

Background: Increasingly, companies choose to finance their business with corporate bonds which has resulted in an increased demand on credit ratings. As such the rating agencies have a very important role in the financial markets. Examining the value of a credit-rating can be very interesting for both issuer and investor. Purpose: The purpose of the study is to identify and define the value of rating. Execution: The study is built upon nine interviews with rated and non-rated firms and investors.

There are many different forms of financing for small businesses and two common financing options mentioned in the study, bank loans and Venture Capital.Venture Capital is a form of risk capital financing, investing in unlisted stock market. The feature of the arrangement is that those people are trying to find companies that can offer unique, attractive and in demand products on a strong growing market. Since VC-firms are taking a big risk in cooperation with the investment, the VC-company strong demands while assessments are made on the company will generate a return in the future.Bank loans are the most common form of financing for companies in the market. Requirements and assessment under the law is hard especially for small businesses because financing entails high risks. Banks require that the liquidity management in the enterprise should be stable because the bank's main objective is to repayment of debt and the interest payable on the capital.The purpose of this study is to examine the requirements and assessments VC-firms and banks make use of the financing of small businesses. .

The main purpose of this study was to investigate which enter- and exit barriers that exist on the banking market for small enterprises located within the region of Gotland. The reason was to examine and identify which barriers that could affect the mobility among small enterprise bank customers on the bank market. To identify the barriers, the study was carried out partly by a quantitative survey with 33 small business owners respondents located at three different concentrated small enterprise areas within the region of Gotland. And partly by qualitative interviews that were conducted with two employees at Länsförsäkringar Gotland Bank.The result indicated that the enter barrier mostly depended on the aspect that business owners of small enterprises believed that bank switching were complicated. The business owners did also consider bank switching as time demanding.

Titel: Kundens val av bank Nivå: C-uppsats i ämnet företagsekonomi Författare: Sanna Westling och Angelica Kjellin Handledare: Lars-Johan Åge Datum: 2012- januari Syfte: Syftet med denna studie är att belysa vilka faktorer som påverkar kunden i valet av bank och jämföra dessa med bankernas syn på vilka faktorer som avgör kundens val av bank. Målet är att presentera ett resultat som kan vara till nytta för bankerna i deras framtida marknadsföring. Metod: En kvantitativt inriktad enkätundersökning har via metoden snowballing spridits till respondenter. Resultat har mätts och presenterats empiriskt via staplar och diagram. Kvalitativa intervjuer har skett med bankerna där resultatet har kopplats till enkätundersökningen och en diskussion förts med kopplingar till teorierna vi presenterat och bearbetat med inhämtad sekundärdata. Resultat & slutsats: Vår studie utmynnade i att de tre viktigaste faktorerna för val av bank är kunskap, kundbehandling och säkerhet. Det visade sig att bankerna var på ungefär samma linje men att det fortfarande finns några kunskapsluckor här att fylla ut. Förslag till fortsattforskning: Vi har bara skrapat på ytan bland alla de orsaker som kan finnas till valet av bank.

SUMMARYEnvironmental issues are currently a hot topic of debate. Studies within the optics branch have not specifically been conducted previously, so the aim of this study was to determine the extent of environmental-awareness specifically within this branch.A survey, consisting of questions relating to environmental issues, was distributed to 100 randomly-selected opticians in Sweden. Of these 100 surveys, 64 were returned and showed a varied branch-engagement for environmental issues.Results of this survey showed that opticians were best in sorting newspapers, magazines, other paper and hazardous waste. Metal and rigid plastic were not sorted to any larger extent.Choosing environmentally-safe products was not so popular and only six stores always do this. 25 shops turn off electrical machines and equipment over night; while the majority of the remaining stores leave the machines on during the night.27 stores did not know if their electrical company provided ?green electricity?.Results showed that there is a lot of work to be done in making the stores more environmentally friendly.

Right now a major generational change is taking place within the banking sector. The new generation entering the labor market is often referred to as generation Y and it consists of individuals born between 1980 and 1995. Previous research has shown that the banking industry as a whole put a widespread emphasis on monetary incentives within the reward system. At the same time several studies highlight that individuals from generation Y are rather motivated by primarily non-monetary incentives.The aim of this dissertation is to explain how various monetary and non-monetary incentives affect the motivation of bank employees from generation Y. A positivistic research philosophy has been used with a deductive approach and a quantitative research method.This study indicates that bank employees from generation Y are motivated by retirement savings as well as a personal mentor or chief who draws attention to their development.

En sammanfattning av uppsatsen på maximalt 8000 tecken..

Despite the fact that the issue has been discussed for several decades, there are still no rules in Sweden mandating political parties and candidates to disclose received donations. Because of this lack of transparency, Sweden is not fulfilling some of its international obligations and has fallen behind in the international trend to increase the transparency of election campaign finance. The lack of disclosure rules in Sweden has led to extensive criticism, most notably from the Council of Europe´s group of states against corruption, Greco, who criticized Sweden in light of the guidelines on the subject from the Council of Europe. At this writing, a new proposal for disclosure rules is being prepared at the Department of Justice, DoJ. The proposal is to be presented in spring 2013.

My purpose with this study was to find out if it is possible to buy a farm today for a person who want to start a farm but has very little own capital. In old study?s they have come to the conclusion that you will need at least 20 % own capital to succeed to management the farm. But in the last year the cost for arable land approxley has increased with 30 % in Sweden and the crops have doubled in price. So it would be interesting to see if the banks have a new vision on the need of the own capital when you buy a farm. I have chosen two different farms who was for sale in Östergötland, one dairy farm and the other farm was a plant farm.

Bakgrund: Den heliga fastemånaden Ramadan innebär stora omställningar i cirka en och en halv miljard muslimers liv. Detta har, med bakgrund i den effektiva marknadshypotesen, föranlett flera olika undersökningar av eventuellt återkommande prisavvikelser i samband med Ramadan, en så kallad Ramadaneffekt. Tidigare studier visar dock på något motstridiga resultat vilket gör att vidare forskning inom området är motiverad. De till viss del förändrade livsvillkor som Ramadan innebär har i tidigare studier använts som förklaringsvariabler, något som dock kan ifrågasättas och undersökas vidare med utgångspunkt i Behavioral finance.Syfte: Denna studie ämnar undersöka om det existerar någon Ramadaneffekt på 17 olika muslimska aktiemarknader samt att kritiskt granska tidigare studier inom området och förklaringsvärdet i fastans fysiska och psykiska påverkan vid en eventuell Ramadaneffekt.Genomförande: Studien är av både kvalitativ och kvantitativ karaktär med huvudsaklig tyngdpunkt i statistiska analyser av studiens datamaterial. Regressionsanalys med dummyvariabler utgör den statistiska metoden och resultatet analyseras genom att applicera Behavioral finance till dokumentstudien för att försöka förklara de statistiska resultaten.Slutsats: Studien finner att endast den pakistanska aktiemarknaden uppvisar en signifikant prisavvikelse under Ramadan.

Syftet med denna uppsats är att beskriva interaktionsprocessen mellan företagen Svensk Fastighetsförmedling och Nordea. Detta har undersökts i en observationsstudie av interaktionen mellan fastighetsmäklare och bank i samband med en bostadsförsäljning mellan två privatpersoner. Som analysverktyg används en bearbetning av IMP Groups interaktionsmodell bestående av kortsiktiga flöden och långsiktiga anpassningar som utbyts mellan aktörer. Interaktionsmodellen baseras på nätverkteorins grundtanke om att aktörer utbyter resurser i aktiviteter. Syftet med relationen mellan mäklare och bank tycks vara att få del av varandras kunder.

Small business enterprises have escalated in Sweden during the last decade. However, new established companies are struggling to maintain their selves during the startup process and according to a survey from Tillväxtanalys, only 68 % of startup companies from 2008 were still active three years later. One of the main reasons is lack of capital and the most common approach to finance companies is to apply for a bank loan. In other words, commercial banks are of great importance for new businesses. Although, the problem arises when there is no previous history from the new businesses that the bank could base its credit assessment on.

Bakgrund: Prestationsmätning syftar till att implementera ett företags strategi. För att lyckas med det krävs tillgång till relevant information för att ta rätt beslut. Nya alternativa organisationsformer som shared service centres har lett till en ökad efterfrågan på ny anpassad ekonomistyrning. En förfrågan om att utvärdera P2P-processens prestationsmätningssystem på IKEA AB, Finance Services ledde till utvärderingsstudien.Syfte: Syftet med utvärderingsstudien är att utveckla en modell med dimensioner, för att analysera prestationsmätningssystem på shared service centres. Analysmodellen kommer appliceras på P2P-processen inom IKEA AB, Finance Services.