The purpuse with this work is to see if there is a possibility to buy a farm with a low amount of own capital. We have been doing budgets for five farms with different kind of productions. Some of the farms in this work are possible to buy with a low amount of capital but if you start without any money you will run into problems with the bank. The bank is not very pleased with fully financed projects; they would recommend an own capital of at least 10-20%. The farms with the best budgets were farms with animals..

Course:Business Administration, Master Thesis, Second Level, 30 Credits.Authors:Sara Frännlid and Helena RamstedtTutor:Jim AndersénTitle:Internet, relationships and loyalty ? Best praCtice foR the bankMarketPurpose:The study aims to explain how banks use electronic customer relationship management, eCRM, to create loyal customers. A figure will be created, which will enlighten the factors a bank should focus on when enhancing customer loyalty through the internet. Through interviews with two successful banks is it possible to study how a bank can successfully create loyal customers.Methodology:A qualitative method in terms of semi-structured interviews is used. The empirical results were then analyzed with the theory in order to contribute with a new figure.Theoreticalperspective:The theory describes how a bank can create a loyal customer over the Internet.

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.

Background: The hurricane in the south of Sweden in January 2005 was the worst storm in Sweden for the last hundred years. The storm named Gudrun has blown down forest that according to estimation is corresponding to one year of cutting down in the entire country.Purpose: The purpose of this thesis is to describe how credit granters act when facing falling forest real estate mortgage and describe if they will make considerations due to the storm in the south of Sweden 2005.Method: With help of a qualitative method, we investigated how the credit granters act when facing falling forest real estate mortgage. Interviews were obtained with three credit granters, SEB, Landshypotek and FöreningsSparbanken in the county of Jönköping and Kronoberg.Conclusion: The conclusion is based upon the empirical study, the analysis and our own reflections and it shows that the credit granters do not change their policy concerning credit granting to forest real estate properties. The policy of the credit granters has proven to be valid even in this extreme situation..

In relation with structure transformation in farm companies with bigger animal population and pressure at the milk price, the farmers in both countries have to invest more money in the company to endure. This had conduct what more owners had seen grown requirements to invest in bigger population barns. The investment is necessary to retain stability in the economy for the companies, at that time when the profitability for small production barns decrease. This essay carries out through a case, there the activities main part are milk production. The present operation consists of 82 milk cows in long stall with a yield on 10 500 kg ECM. The idea is that the company should increase the activity to 180 cows.

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.

This thesis concerns the Swedish credit card market to a younger public and specifically Nordea as a card editor. The purpose is to investigate whether a Swedish bank can, and want to build long term relationships with a young public through credit cards, and if so, how they do this.The theoretical background formulated by researchers Bendapundi and Berry consists of four key factors of relationship maintenance; trust, dependency, dedication and constraint. These key factors are also assembled in an analytical framework. The empirical findings mainly consist of interviews with three employees at Nordea. They describe a recent segmentation of the bank?s customers with the issuing of a new credit card; Mastercard Silver.

The aim is to develop a new decision-making model for credit-loans. The model will be specific for credit applicants of the OKQ8 bank, becauseit is based on data of earlier applicants of credit from the client (the bank). The final model is, in effect, functional enough to use informationabout a new applicant as input, and predict the outcome to either the good risk group or the bad risk group based on the applicant?s properties.The prediction may then lay the foundation for the decision to grant or deny credit loan.Because of the skewed distribution in the response variable, different sampling techniques are evaluated. These include oversampling with SMOTE, random undersampling and pure oversampling in the form of scalar weighting of the minority class.

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.

Course:Business Administration, Master Thesis, Second Level, 30 Credits.Authors:Sara Frännlid and Helena RamstedtTutor:Jim AndersénTitle:Internet, relationships and loyalty ? Best praCtice foR the bankMarketPurpose:The study aims to explain how banks use electronic customer relationship management, eCRM, to create loyal customers. A figure will be created, which will enlighten the factors a bank should focus on when enhancing customer loyalty through the internet. Through interviews with two successful banks is it possible to study how a bank can successfully create loyal customers.Methodology:A qualitative method in terms of semi-structured interviews is used. The empirical results were then analyzed with the theory in order to contribute with a new figure.Theoreticalperspective:The theory describes how a bank can create a loyal customer over the Internet.

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.

Idag finns det många muslimer i Sverige som inte har ett alternativ vad gäller val av banker som agerar i linje med deras tro där det råder ett förbud mot ränta. Studien ämnar undersöka hur man kan marknadsföra och finansiera en islamisk bank i Sverige, vilka nyckelfaktorer som finns samt vilka som går att använda för en lyckad positionering i den svenska bankmarknaden. Vi har använt oss utav kvantitativa och kvalitativa ansatser genom primär data i form av intervjuer och en enkätstudie. Vi har kombinerat marknadsföringsteorinValue Innovation med finansieringsteorin Bootstrapping i syfte att få en undersökning som är övergripande för hela uppsatsen.Resultaten tyder på att marknadsföringen av en nyetablerad islamisk bank i Sverige bör göras med fokus på att den är i linje med islamiska principer, men även att den följer vissa etiska principer, för att bredda målgruppen till andra än muslimer. Grundfinansieringen bör skötas av utländska investerare på ett sätt som undgår de restriktioner som finns gällande inflöde av utländskt kapital..

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.