I takt med att nya aktörer intar den svenska bankmarknaden ökar kraven på de stora traditionella aktörerna. Trots detta väljer ändå många bankkunder att stanna kvar vid sin ursprungliga bank, vilket är en bidragande orsak till att det fortfarande råder en märkbar trögrörlighet på marknaden. Syftet med uppsatsen är att undersöka orsaker till den befintliga trögrörligheten på den svenska bankmarknaden utifrån ett kund - och branschperspektiv. Andra områden som uppsatsen syftar att undersöka är hur nöjda bankkunderna är och vilken betydelse interaktionen mellan banken och kunden har. Som utgångspunkt har vi valt teorier från vedertagna forskare som står för en traditionell syn inom relationsmarknadsföring.

In recent years, global organizations safeguarding financial stability has started to track commercial property markets. One of the reasons for this refers to the fact that commercial property constitutes a large share of bank lending. Simultaneously, bank exposures to commercial property are extensive and risky since collateral values are strongly correlated to borrowers cash flows. Since banks are viewed to play a key role for financial stability, studying the relationship is well motivated. To better understand how commercial property markets interact with financial stability, this paper develops an econometric model for studying the commercial rental market.

I uppsatsen utreds under vilka omständigheter som aktieägarna eller företrädarna i ett svenskt processaktiebolag kan bli ansvariga för bolagets skulder genom ansvarsgenombrott. I uppsatsen görs också en studie av det atypiska processbolag HQ AB. .

The real estate industry is a sector where the companies generally have a capital structure which is high leveraged. The financing? with the related terms ? is therefore specifically of high importance for the companies in the sector. Traditionally, the way of obtain financing is by borrowing from the bank. Lately, due to new bank regulations, the banks have become more restrictive in their lending which have lead to a growth of other financing alternatives.

The ambition with this study is to look into and create an understanding for how an intranet can work as a support system in work processes in capacity as a source of knowledge. We want to enhance the understanding for which kind of knowledge that can be coded in and transmitted by an intranet, and which that is lost in this process. We also want to clarify what it takes to get this knowledge, in collaboration with the intranet, to support the work in an organization. It is a qualitative case study at a Swedish bank. It consisted of semi standardized, half structured interviews with five people in one of the bank?s local offices.

The real estate industry is a sector where the companies generally have a capital structure which is high leveraged. The financing? with the related terms ? is therefore specifically of high importance for the companies in the sector. Traditionally, the way of obtain financing is by borrowing from the bank. Lately, due to new bank regulations, the banks have become more restrictive in their lending which have lead to a growth of other financing alternatives.

The purpose of this study was to examine and explain Sweden?s defence and security policy during the twenty-first century. The method that was used in this research was a case study. The material that was used were government documents focusing on this area of policy, and numerous books concerning the theoretical perspectives on international relations and defence security policy. The study is of an explaining art and the analysis explains Sweden?s security and defence policy during the twenty-first century. The analysis explains this by testing it against a liberal and a realist view on international relations. The conclusion of the study is that Sweden?s defence and security policy has been liberal during this time period ? and still is.

Vole populations in northern Scandinavia vary in cycles with peaks every third or fourth year as described by the National Environmental Monitoring Programme of small mammals (NEMP). Some vole species have declined in population numbers since the NEMP started in 1971, especially the grey-sided vole (Myodes rufocanus) which is nearly extinct in the forested region. Since small mammals are an important food source for several avian and mammalian predators, the decline in vole numbers is expected to have consequences for the whole food chain, especially if other vole species start to decline in numbers. This study tried to test the hypothesis that presence and abundance of M. rufocanus (a specialist species) and Myodes glareolus (a generalist species) can be predicted by patch size and connectivity of forest patches >60 years old with a minimum of 15% pine >100years old.

AbstractIn the heart of Paris, you will find Sweden?s only cultural center abroad. Since the early 70?s a wealth of cultural activities has been offered, and every year the center receives more than 100,000 visitors. The center is a branch of the Swedish Institute (Si), a public authority which promotes mutual relationships between Sweden and other countries through culture, education, science and business.

In a time where information overload is a fact, well formulated messages is required and communication is a big contributing element for building strong brands. In the north of Sweden, Norrmejerier is one of the big actors with dominance on the dairy factor market. Through making milk products that lands in the consumers refridgerators, they are not only working for economical interest but also for improving the nature of the north of Sweden. Through visual communication, Norrmejerier shows the consumers a beneficial view of the north of Sweden which corresponds to the populations own impression of their part of the country. This contributes to a feeling of belonging that makes strong and loyal consuments. The feeling of belonging is also reflected in Norrmejeriers commercial movies, that uses the consumers conscience to make costumers. By two group interviews and a semiotic analysis of Norrmejeriers commercial movies, this study aims to examine how Norrmejerier uses qualities of the north of Sweden when building their brand.

The aim of this master-thesis is to investigate the emergence of bureaucratic drift in connection with implementation of EU-legislation in Sweden. To narrow it down I have chosen to look at the Swedish implementation of the Working Time Directive, directive 93/104/EG. To be able to fulfil the purpose of this master-thesis I have used two research questions; [1] How did Sweden implement the Working Time Directive into Swedish law? and [2] Why did Sweden omit to correct implement the Working Time Directive? To be able to understand and explain the situation I have used the principal-agent perspective as a theoretical framework. An analysis of motives has been used as analytical method.The results from the analysis show that Sweden, in order to keep the contractual model used on the labour market, which is a part of the well known Swedish model, shirked while implementing the directive and implemented as to be able to fulfil its own agenda.

The real estate industry is a sector where the companies generally have a capital structure which is high leveraged. The financing? with the related terms ? is therefore specifically of high importance for the companies in the sector. Traditionally, the way of obtain financing is by borrowing from the bank. Lately, due to new bank regulations, the banks have become more restrictive in their lending which have lead to a growth of other financing alternatives.

The point of interest in this study is to identify whether ethnicity is a correlating factor regarding Hungarian immigrants? development of identity in Sweden. The general aim is to increase knowledge and understanding of the conditions for the Hungarian ethnical group in Sweden to reach self-realization. The main question is whether the general view of the background of this ethnical group has a connection to their self-realization in Sweden? Since the study involves a whole group of minority, a limitation has been made to adults living in the city of Halmstad, Sweden.

Our purpose with this essay was to make a comparative study of the methadone programme in Sweden versus Denmark. We wanted to examine the issue by illustrating the historical and recent development of the drug political policy and the growth of the methadone programme in both countries.We chose to work with the following questions:1. What differences occur in the methadone programme if you compare the same in Denmark and Sweden? 2. How is the respective methadone programmes designed? 3.

Syfte: Syftet är att undersöka bankernas tillvägagångssätt när de lämnar krediter till en kund, vilka skillnader och likheter finns mellan de olika bankerna och på vilket sätt använder de sig av riskhantering vid kreditbedömning av hushåll?Metod: För insamling av det empiriska materialet har vi använt en         kvalitativ metod, i form av intervjuer med bankchefer. Det empiriska materialet analyserade vi främst utifrån teoretiskt material kring risker och riskmanagement, konkurrens och relationer.Slutsats: Riskbedömningen hos de olika bankerna görs i stora drag likartat, men det finns skillnader i bankernas hantering när det kommer till handläggarens frihet och hur de personliga relationerna spelar in. Vi kan se att riskhantering sker till stor del reaktivt, bankerna är passiva i förändring av riskhantering och behåller rutinerna så länge som möjligt. Undersökningen visar även att bolånen inte längre är den starka konkurrensfaktorn den tidigare varit för bankerna..