Title: Nordea Life and Pension during financial crisis Subject: Business administration, Candidate thesis 15 p. Authors: Seyithan Öngörur och Adnan Yari Instructor: Peter Lindberg Date: 2010-01-13 Key words: Nordea, the financial crisis, advice, marketing, customer relationship Purpose: The purpose of the study is to provide an understanding of how the financial crisis has affected Nordea Life and Pensions market growth based on market share. We also want to give an understanding of what factors may be responsible for the outcome that it may be helpful in future financial crises. Method: A qualitative study was the basis for the study, where three interviews were carried out by the respondents from Nordea Life and Pension.  Theory: In this section we have focused on relevant theory and has divided them into different themes, advice, current legislation, marketing, consumption and buying behavior. Conclusion: The study shows that Nordea Life and Pension had a positive growth during the financial crisis and a number of factors are presented that may be the basis for the outcome.Proposal for further research: Since this study was limited to one company it may be intresting to investigate and examine the consuling industry market as a whole affected by the financial crisis. Contributions: This paper has provided an understanding of how Nordea Life and Pensions affected during a financial crisis, based on market share and the factors that may have been the basis for this..

The elderly care is an area of great importance to women. Women are more often in need of elderly care; they work with the service and provide a majority of the informal service. Research shows that managers? work-related prerequisites are significantly different between the male dominated technical administration and the female dominated care and educational administration. Studies also show that what the highest managerial organisation gives priority to, often permeate the whole organisation.

Over the last couple of years the airline business has gone through some turbulent changes, which has meant that customer loyalty has been affected. It?s no longer certain how or why customers are loyal to an airline, although the companies now use more and more complicated loyalty programs to keep their customers.The purpose of this essay has therefore been to examine what makes customers loyal to a service business, and what is the extent of their loyalty.To be able to answer these questions, a survey about costumers loyalty were accomplished. The results we received show that availability is the most significant issue for customers of SAS, and satisfaction is the minimum requirement for the customer. But to be able to attract loyal customers the airline has to offer them more..

The globalization and the realization of a European common insurance market have increased the importance of cross border insurance contracts. Despite that, a gathered set of rules regulating cross border insurance contracts does not exist. The sets of rules within Private International Law which arises today when determining the applicable law regarding cross border insurance contracts are the law of 1993 on applicable law to certain insurance contracts (the law of 1993) and the law of 1998 on applicable law to contractual obligations (Rome Convention). Since the Rome Convention is the only Community instrument which still is in the form of a treaty, work has been done in order to convert it into a regulation, called the Rome-I-regulation. Therefore, the future Rome I-regulation is of importance for the thesis as well since it most likely will replace the Rome Convention.Swedish law is based on the principle of party autonomy, which means that the contracting parties have the right to freely agree on the content of the contract, including the choice of law.

The goal of this work is to get as good a basis as possible to explain what the owners want for products and services when those doing business with buying groups in Korsnäs purchases regions: Gävleborg, Dalarna, Uppland and Frövi. It should also provide Korsnäs knowledge of the most important factors to consider in business with the owners. Another important aspect is to find out what you have done better at the business with owners, to eventually be able to preserve and take them into account. 300 questionnaires sent out to randomly selected owners in these regions. This is to find out what the owners did not have the products/services of Korsnäs. 29 questions were asked in the affected areas to identify what was missing and to eventually be able to satisfy them.

Globalization has lead to evolvement of teamwork between companies and their customers. One reason for this change is the growth of the IT community and the propagation of the Internet. This in turn has lead to faster communication within business networks and also a higher degree of integration between companies.The purpose of this thesis is to describe IT can be used to develop and support networks formed around IT corporations. IT also aim at describing what impact usage of IT within personal networks has on usage of IT within business networks. The thesis is limited to IT-companies using IT artifacts, not only for communication within its organization, but also communicating with its customers and other IT-companies.

This is a report for our thesis that was conducted as a conclusion of our bachelor degree in Business engineering at the Royal Institute of Technology (KTH). The work is done in cooperation with the firm Navigate Consulting Business Solutions AB.They have their leading expertise in Oracle E-Business Suite and has previously chosen to implement Oracle EBS R12. The modules that are planned to be implemented are general ledger (GL), accounts payable (AP), accounts receivable (AR), project module (PA), purchases, and CRM. For a consulting company like Navigate, it is particularly important to have a simple and effective time reporting process. We were therefore asked to provide new tabs with a decision-making process to determine if Oracle Time & Labor (OTL) is a useful time tracking system for their business.In order to achieve the company´s aim and objective we decided to follow a development method with five different phases.

Ett problem entreprenörer ofta ställs inför vid uppstarten av ett företag är en avsaknad av antingen kapital eller kompetens eller en kombination av dessa båda. Hur avgörande är nätverket för ett företags möjlighet att genom ett tillskott av kompetens och kapital förverkliga en vision och bli framgångsrik? Vilken betydelse kan en inkubator ha för ett företags framgång? Syftet är att beskriva hur en specifik inkubator fungerar i praktiken samt utreda när denna utgör ett lämpligt alternativ för en entreprenör. Vi vill även förklara hur ett nystartat företags utvecklingspotential påverkas av att få tillgång till både kapital och handgriplig hjälp med kompetenstillförsel, genom att vara en del av denna inkubatorverksamhet. Vi har tillämpat en induktiv ansats, genom att vi låtit studien ha sin utgångspunkt i empirin.

The financial sector includes insurance business, which is a crucial part of the infrastructure in a modern economy. There are different parts to protect within the financial sector which is the reason for a comprehensive inspection. History shows several examples of disasters a mismanaged financial sector can bring. This also affects the society and stability over all. The inspection is conducted by the Swedish inspection of finance, which ensures that the insurance companies follow the law for its practice.

Skandia är ett gammalt gediget företag som varit ledande inom sitt område under många år. Under år 2002 drabbades företaget av en skandal som gjorde att det raserades. Efter denna rasering har de lyckats återfå sitt anseende och förtroende genom ett omfattande arbete. Detta var möjligt tack vare att deras grund hölls intakt, det vill säga relationen mellan rådgivarna och kunderna. Syftet med uppsatsen är att utvärdera hur Skandia arbetar med att återfå sitt anseende samt resultatet av detta arbete. Vi har studerat deras tillvägagångssätt för att återskapa värdet samt genomfört en undersökning bland allmänheten för att se hur denna har uppfattat Skandias arbete.

This report was undertaken at the request of the Management and maintenance department of Swedish National Road Authority (Vägverket Region Sydöst) in Jönköping.In 1992, the management and maintenance of Swedish roads were laid out on external constructors. When putting out a tender for the work, the foundation is from a national set of rules which are in constant change. This report is limited to winter road upkeep.The trend in the invitation for tenders is that it is moving from the more conventional executional demands towards the less controlling demands. The downside of functional, less controlling demands is that it is difficult to articulate how to measure them. The order authority therefore has to find ways to make sure to get what has been paid for.In connection to the invitation for tender of winter road upkeep for 2005, the new set of rules, ATB Vinter 2003 was deployed.The main purpose of this thesis is to see which the big changes in the set of rules are and how these changes affect the organisation and activities of the constructor.It is also studied how the changes in execution is perceived by road users and how it affects the possibilities of the constructor to come as a newcomer to a new area of administration.Interviews and examination of sets of rules has led to a list of a number of changes that the constructors feel affect their work in any sense.Views from road users that have come in to the order authority have been scrutinized to see how they have experienced the change.

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.

As the globalization progresses, the matters of transfer pricing have become essential to multinational enterprises and tax administrations. For states it is important that the transfer pricing is correct to defend their tax base. Incorrect transfer pricing can also have dire effect on the enterprises. They run the risk of both double taxation and tax penalties. Some of the most difficult assets to put a transfer price on are intangibles.

How do we match our education with the needs of the construction line of business and the requirementsof the Swedish National Agency for education? Is there something that we have to change?In this study I have asked our former students about their opinion of our education and I have also asked them to give me their view on what a good teacher is like. I have been able to benefit a lot from their answers in my efforts to be that good teacher. This survey took place at Facebook.The answers showed that we carry on a piece of solid workmanship. But you can always improve, try harder.

Problem Då uppfattningarna går isär om vilken ledarstilar som finns och vilken roll de spelar i en organisation så tittar vi på hur ledarstilarna har uppkommit och förändrats, med en fokus på coachning. Fanns coachning tidigare än vad teorierna säger? Vilken betydelse spelar coachningen och hur har den utvecklats över tiden? Syfte Syftet med uppsatsen är att titta på förändringarna som ledarstilarna har genomgått över tiden, där vi fokuserar på coachningen. Vilka slutsatser kan man dra beroende på om stilarna har funnits tidigare än de uppdagats i teorin? Kan vi se mönster genom att titta längre tillbaka i tiden och vilken roll spelade coachningen? Genom att titta bakåt i tiden kan vi också se hur samhället har uppfattat ledarstilarna. Metod Uppsatsen bygger på studier av tre filmer som representerar olika tidsperioder.