Title: Predictions and explanation models for bankruptcy in stock-companies ? A study of three failed Swedish companies Author: Tim Svanberg Supervisor: Emil Numminen Department: School of Management, Blekinge Institute of technology Course: Bachelor?s thesis in business administration, 10 credits Purpose: The purpose of the thesis is to find explanation for bankruptcy with the help of prediction models. The purpose is also to add explanation by using Behavioral analysis Method: Quantitative research of bankruptcies using financial prediction models and qualitative study of psychological pitfalls. The study is deductive. Results: I found that it is possible to explain the bankruptcies using the prediction models. The behavioural perspective adds further explanation.

Syftet var att undersöka de interna och externa krafter som påverkar privata inve-sterares förmåga att agera rationellt på aktiemarknaden. Uppsatsens empiri är huvudsakligen baserad på en enkätundersökning, vilken syftar till att ge en bild av vilka prioriteringar och preferenser privata investerare har när de agerar på aktiemarknaden. Ett viktigt mål med analysen av enkätsvaren var att undersöka i vilken utsträckning det går att finna irrationella beteenden hos den undersökta gruppen av investerare. Det framkom att en stor del av enkätun-dersökningens respondenter förlitar sig på tumregler när de träder in i sina positio-ner. De har alltså redan när de tar en position på aktiemarknaden bestämt sig för efter hur stor uppgång respektive nedgång de ska gå ur positionen.

The purpose of this bachelor-thesis is to investigate the possible effects of lease accounting on the estimation of bankruptcy. This is done by estimating the risk via prediction models based on accounting ratios for a sample of 43 listed firms in Sweden. Estimation is conducted twice for each firm, once base on unadjusted data as it is presented in the annual report of 2012, and one with data adjusted for operational leases (that is data is treated as if all leases present were to have been reported as financial leases). In the next step it is tested weather the predictive ability of the models is affected by this adjustment or not. For this purpose translation of bankruptcy risk into synthetic credit ratings via interest coverage ratios is done.

Flera olika behandlingsmetoder för autism finns utvecklade, även om bäst stöd finns för intensiv beteendeterapi (IBT). Variationen i behandlingseffekt inom IBT är dock stor. I Sverige används IBT på förskolor, sannolikt med varierande framgång. 22 förskolor med 24 barn som fått IBT i två år undersöktes retrospektivt med telefonenkäter, och flera faktorer undersöktes för samband med barnens förbättring i adaptiv förmåga under samma period. Integration av träningen i förskolans verksamhet samt tränarens tilltro till metoden samvarierade med behandlingsutfall.

Since the financial crisis of 2007, the global financial market has been characterized by instability. At the same time the banks? lending rates and its link to the reporänta have been in the spotlight in various debates in the media. The government with Anders Borg leading the charge has criticized the banks for not lowering their lending rates when the reporänta has been lowered. The banks defend themselves by saying that the reporänta does not have a direct link to their lending rates anymore.

Oxytocin is today widely spoken of as a "feel good" hormone. Recent research has increased interest in the hormone and its role in social and sexual interactions, as well as its importance for complex behavioral patterns. There is evidence that oxytocin is released during physical contact and is said to suppress anxiety and stress. In animals and humans, oxytocin, which is a neuropeptide and likewise a hormone, is necessary for parturition and lactation. Synthesis of oxytocin occurs in brain neurons and in specific organs involved in reproduction.

This study investigated the efficacy of a multicomponent cognitive?behavioral intervention of insomnia, CBT-I, for patients suffering from an anxiety disorder and/or a major depressive episode together with comorbid insomnia. In particular, the aim of the study was to evaluate whether anxiety and depressive symptoms declined as a function oftreatment for insomnia. After rigorous diagnostic procedures, 8 patients were treated in a multiple baseline design. Patients experienced clinically significant reductions in insomnia-, (57 %) depressive- (75 %) and anxiety symptoms (40 %).

AbstractAbout 160 000 persons living inSwedensuffer from some form of dementia. Alzheimer disease is the most common form of dementia and affects mostly people in the age of 65 and older. People with some form of dementia have memory problems and may even have other problems as aphasia and behavioral disorders. This may lead to communication problems and difficulties for the people around them. The number of demented people is increasing; it is therefore important to study methods for communication in order to improve the wellbeing for people with dementia.

Självkänsla är något vi ständigt bär med oss och den inverkar på vårt agerande samt våra val i livet. Johnson (2003) delar in självkänslan i två delar den inre och yttre, vilka kan kombineras till fyra personligheter. Forskning har visat att självkänslan samvarierar med tendensen till att bruka self-handicapping. Self-handicapping innebär att människan skapar hinder för sig själv påhittade eller verkliga. Etthundrasju studenter fyllde i en enkät bestående av 58 påståenden, vilken mätte inre, yttre självkänsla samt self-handicapping.

Being physically active plays an essential role in ensuring good health and well-being. Motivation is a key factor for maintaining a healthy lifestyle and together with the help of today?s modern technology, facilitating new innovative approaches has made it easier to motivate people towards regular physical activity. This study aims to examine how a training application can increase motivation and how behavioral change occurs when using a training application. Qualitative data collection methods such as interviews and observations have been used in this study.

Syfte: I november år 2010 avskaffas revisionsplikten i Sverige för mindre företag. Med den utgångspunkten grundar sig studien i att studera och identifiera de nya förutsättningarna på revisionsmarknaden efter att revisionsplikten avskaffats.Metod: Uppsatsen är inriktad i ett kvalitativt perspektiv. Empirin som samlats in via personliga intervjuer utgår från teori om revisionspliktens avskaffande, från Europanivå till den svenska lagen, för att sedan mynna ut i en analys och en slutsats.Resultat & slutsats: Undersökningen påvisar att såväl större som mindre revisionsbyråer har haft kundförluster, men bara i enstaka fall och har inte påverkat byråerna i någon större utsträckning. Studien är för tidigt ute för att se någon radikal förändring. .

Betydelsen av kognitivt och beteendemässigt undvikande samt katastroftankar studerades i det sedan tidigare kända sambandet mellan psykosocial arbetsmiljö och upplevd stress. Vidare undersöktes huruvida det fanns subgrupper med olika psykosocial arbetsmiljö. Denna tvärsnittsstudie baserades på enkätdata. Resultat indikerar att kognitivt undvikande och katastroftankar har en medierande funktion, samt att katastroftankar har en svag modererande funktion i sambandet. Vidare finns det subgrupper med olika psykosocial arbetsmiljö, vilka även skiljer sig åt avseende kognitivt undvikande och katastroftankar samt upplevd stress.

The main aim of this bachelor thesis is to describe through a quantitative study the extent of support received by foster families, their opinion of the support and any areas that might need improvement. The foster families receive foster care support through a private agency. We concentrated on the following areas of support; education, health, contact with the children?s biological relatives and behavioral difficulties. These four areas have, in previous research, shown to be problematic for foster children.

This paper?s objective is to investigate whether Modigliani and Miller (MM) I & II proposition from 1958 with regard to capital structure, is still valid among public Swedish firms.We have chosen the 63 firms on the Stockholm Stock Exchange (OMX) that Affärsvärlden magazine?s general index (AFGX) has categorized as industrial firms. We based this selection on the assumption that these firms are relatively capital intense and have a clear focus on production and, therefore, mainly uses capital structure as a mean to finance their production and not as a means in itself.To be able to fully evaluate these firms we have calculated the current key ratios based each firm?s annual report. To make the figures comparable across the entire population we adjusted them to each firm?s turnover.The results we have reached concur with MM?s proposition I regarding capital structures independence of the firm value.

Background and research problem: The former highly inflationary property market is currently undergoing a stagnation process. Investors have been used to annual growth figures in double digits,but now this is no longer considered to be a realistic outlook for future years. According to a report from PriceWaterhouseCoopers and Urban Land Institute, published by Avanza Wealth Management,the three most attractive markets for property investment in Europe are London, Paris and Stockholm. Because of this the authors have focused their investigation on two companies in the London andStockholm. The authors will additionally use an international bank, an estate agent and a consultancy firm for further information, with regards to the property market and risks associated with these typesof investment in particular.