Managing credit risk might be the single most important business area for any commercial bank. The assessment of "good" and "bad" corporate clients is a important task for a creditor. A bad debtor is a corporate client with hardships in meeting the continous claims (interest payments) that a creditor requires. One way of evaluating or separating a "bad" client from a "good" client is to assess the propensity for the client to file for bankruptcy. This thesis examines 226 firms in the Swedsh market in the quest of predicting corporate bankruptcy.

Reliable methods to analyze food for the presence of almond are important ? not only for those allergic to almond, but also for monitoring the compliance with labelling regulations (EG directive 2003/89). Until now the Swedish National Food Administration has used methods like rocket immunoelectrophoresis and real-time PCR to detect almond in food. These methods are, however, not sensitive enough for protecting the most sensitive individuals. Therefore, the performance of a commercial ELISA kit was tested with regard to specificity/cross reactivity and limit of detection for almond both in solution and in different matrixes.The limit of quantitation was at least 3,1 ppm (mg/kg) in solution and similar concentrations were measured in bisquits and chocolate.

This Bachelor thesis examines the possibility of replacing an outdated, analog video recording system to a digital counterpart. It is key that the video and audio signals remain synchronized, generator locked and time stamped. It is up to nine different video sources and a number of audio sources to be recorded and treated in such a manner which enables synchronized playback. The  different video sources do not always follow a universal standard, and differ from format as well as resolution. This thesis aims to compare a number of state of the art commercial of the shelf solutions with proprietary hardware.

Älvdalens Savings Forest was formed in the late 1800's. During this time the country was conducting the first major land reform in Sweden, namely the redistribution of arable land through government action. In Älvdalen people saw an opportunity to form Savings Forest, that is jointly owned forests, where everyone would get part of the proceeds. The yield in the first place would cover were costs to manage and monitor the forest and to the measures to ensure regrowth and improve the forests. You could also use the proceeds to develop the area and make it easier for the population to manage their forest. In early summer, a survey was sent to all the members of Älvdalens Savings Forest.

This thesis examines if commercial-of-the-shelf (COTS) systems meet the needs in different types of organizations. This was investigated through a case study of a COTS system. The system is built for contact centers and used in different types of organizations. Contextual inquiries with users from six different organizations were held together with interviews with stakeholders of the system. This gave an understanding for how the system is used and the needs to be met in the different organizations were recognized.

Vår studie har haft som syfte att undersöka hur några elever i år 8 multimodalt designar sin förståelse av utvalda kunskapsområden, med koppling till kursplanerna för Engelska och Moderna språk, genom sin produktion av digitala bildspel. Vi har frågat oss: Hur sorterar och bearbetar eleverna information från olika medier? Hur designar eleverna ett eget kommunikativt innehåll och hur använder de olika semiotiska modaliteter i sin representation av detta? Vilka tecken på lärande kan vi finna hos eleverna genom att studera deras visuella representationer och genom att analysera deras intervjusvar? För att få svar på våra forskningsfrågor har vi analyserat och tolkat elevers bruk av semiotiska modaliteter såsom skrift, bild och layout i samband med designen av bildspel. Vi har även genomfört intervjuer med de flesta av deltagarna. Vår studie visar att dessa elevgrupper använt en mängd resurser för att multimodalt designa sitt lärande.

The development of software was considered until the beginning of the 1990th as a cathedral like product development in closed companies. This way of development changed in the last decade. Open source software (OSS) development challenged this consideration significantly. OSS is produced in co-operation by skilled people, distributed and used by many moral agents. The result, the software itself, can be studied and modified.

The aim of this thesis is to study the private owner structure in the Swedish forestry. This will be done with both a investigation of forest owners in Småland the year 2000 and 2001 and also a statistic research for the private forest owners in Sweden right now and over the years. In Sweden more than half of the total forest area is owned by private forest owner, witch is approximately 22 600 000 ha. Private forestry includes the owner categories private person, ordinary partnership and the estate of deceased persons. The main part of the private forestry is to be found in Norrland but also in the rest of Sweden private forestry constitute a large part of the forestry area.

Dublinförordningen är en överstatlig EU-lag som reglerar asylansökningsprocessen inom unionen och grundar sig på principen om första land. Under uppsatsperioden publicerade EU-domstolen generaladvokat Pedro Cruz Villalóns Förslag till avgörande, som förespråkar en mildare behandling av gruppen ensamkommande flyktingbarn som tar hänsyn till begreppet barnets bästa. Uppsatsens syfte är att problematiserar förhållandet mellan EU:s Dublinförordning och ensamkommande flyktingbarn. Genom en diskursteoretisk analys av Cruz Villalóns förslag har två övergripande diskurser identifierats, dessa kallas i analysen för förstalandsförespråkarna respektive sistalandsförespråkarna. Diskurserna som återfinns i förslaget speglar två alternativa sätt att se på ensamkommande flyktingbarn inom EU:s asyl- och flyktingpolitik.

The release of green house gases and the environmental impacts humans have on the environment are huge and might cause irreversible changes to our earth. Meat is considered to have large impacts on the environment, especially beef meat and therefore there have lately been considerable discussions on the sustainable level of meat consumption and production. The main goal with this thesis is to study sustainable meat production and meat consumption in the county of Dalarna in Sweden. Indicators for sustainable meat production and meat consumption were developed and applied on three cases. Interviews were carried out with a municipality in the region that represents the consumer and three beef farmers that represents the producers.

The construction of buildings and paved surfaces changes the natural water balance.Precipitation generates surface runoff and storm water instead of infiltrating into the soil.Storm water has come to be considered as a major source of pollution in lakes and streams inthe vicinity of urban areas. Reduction of pollutants in storm water is a key action in order toprotect sensitive recipients and maintain high water quality. Storm water is traditionallytransported by storm sewers to the nearest recipient. In recent years the approach to stormwater management has changed; storm water should primarily be disposed of on site, throughlocal disposal of storm water, LOD. LOD is created by a combination of the function ofseveral smaller local facilities and the general sewer system.

Restrictions in nature conservations are increasing the influence of forest management. Nobel broadleaved forests are more influenced than other forests, because they are considered to be more valuable than other forest types in Skåne. There has been a lack of knowledge about the amount that is set-aside for nature conservation and what types of forest that is concerned. These are the main questions to be answered in this thesis. Moreover has the timber quality been compared between set-aside and non-set-aside areas since it affect the financial conditions for the forestry in nobel broadleved forests. The last asked question deals with the financial consequences of set-aside.

In the town of Väderstad which lies in the middle of Sweden, called Östergötland is Väderstad-Verken situated. It´s an international company which produce machines for land processing and sown to farmers all over the world. Väderstad-Verken is an expansive company with 750 employees. The turnover is 1.4 billion sek. Rapid seed-sower has become a popular machine since it was introduced in 1991.

This thesis in Art History and Visual Science is about values to graffiti and graffiti artist Banksy. I have studied values relating to Banksy´s graffiti images through which context they are placed in and where they are located. I have selected two different images of Banksy as an example on the basis of a transnational phenomenon, where the images that circulate in the public arena by street art and other images and imported into the galleries and consumption market. My conclusion is that the values of the images are based on the context in which each room have its surroundings and that therefore the impression will increase. The public space context, signal availability and the white cube context indicates art, and the commercial context signals goods and items that can be bought.

By immersion in the situation of the food production today and a historical study of how past development has led us to this point, one goal of this essay is to discuss whether the current way of farming can be applied in a sustainable future. Another objective of the essay is to study the vision Vertical farming as an alternative approach, and to focus on different aspects of this phenomenon in order to provide as comprehensive a picture as possible.The paper, thus, seeks to broaden the views for alternative approaches regarding a well-established method which we often take for granted. The aim is also to initiate a discussion around the need to also take radical ideas in regard if we want to face the future in a sustainable manner. The method is a qualitative literary study where scientific articles and papers have been used to discuss the issues: why has the idea of Vertical farming arisen, what is Vertical farming and how is the Vertical Farm meant to operate? Does Vertical farming have a place in the sustainable city of the future? For a long time us humans lived as one with nature, in a symbiotic relationship in which we gave and took as a functioning part of an ecosystem.