Research has shown that our numbers of choices are constantly increasing. In this paper, we investigate the choice-making process further with regard to satisfaction, recommendation propensity, confidence, and preference. The study focuses on two fitness clubs where product information is provided sequential to the participant. We examine if consumers who maintain their choice tend to be more satisfied with their choice and more willing to recommend the choice to a friend. If they are, why is this? We found that the participants who changed their choice claimed to be less satisfied and had less propensity to recommend the choice to a friend.

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..

The aim of the study was to examine whether parental leave can serve as capacitating period in life. More specifically our aim was to get a deeper comprehension of the abilities and competencies developed through parental leave and how these can be of use to the individual when at work. 12 semistructured interviews were conducted with employees from a large organization in the south of Sweden. The results were analyzed using a hermeneutic approach. The results of the study show that competencies and abilities such as effectiveness, organizing, multitasking, leader abilities, communication, sensitivity, limiting skills, mindfulness, acceptance, self-confidence and life balance were enhanced during parental leave.

In this report a model was constructed in order to determine how a number of covariates influence the gross domestic product, GDP. The covariates were chosen depending on their expected influence on GDP, for example education and life expectancy. The data used in this report are collected from the World Bank. The model to describe GDP has been calculated using multiple line arregression. In order to reach a reliable final model the number of covariates has been gradually decreased to eliminate insignificant covariates.

Starting in January 2007, capital adequacy of internationally active banks will be regulated by the new Basel Capital Accord, International Convergence of Capital Measurement and Capital Standards ? a revised framework, [Basel II]. The framework introduces for the first time minimum capital requirements for operational risk and encourages market discipline of capital adequacy by initiating requirements for public disclosure of quantitative and qualitative information on operational risk exposure. This thesis examines the nature, definition, management and public disclosure of operational risk in Scandinavian banks based on regulations and recommendations presented in Basel II. We find that the models currently available for addition of operational risk to the capital requirement do not reflect actual operational risk exposure of banks.

This study explores the different effects on attitude and behaviour three frequently used advertising techniques have. The techniques compared are social influence and egoistic and altruistic benefit-appeals. The results showed that ads featuring social influence had statistically significant higher mean values regarding attitude towards the ad compared to both the other ads, and significantly higher mean values regarding brand attitude compared to the ad appealing to egoistic motivations. Though, all advertising effectiveness measures used in this study - that is, attitude and intention variables - indicated that social influence was more effective than the other advertising messages. Thus, in accord with earlier studies, it can be stated with confidence that social influence is an effective tool to use in marketing communications..

Syftet med denna uppsats var att visa hur banker balanserar lönsamhetskrav med rollen som samhällsfunktion. För att uppfylla syftet formulerades tre forskningsfrågor om hur banker identifierar och hanterar olönsamma kunder samt behandlar samhällsansvar gällande finansiell uteslutning. En fallstudie baserades på intervjuer med kontorscheferna på tre lokala bankkontor i medelstor svensk stad. Det empiriska resultatet presenterades anonymt för att få härligare och mer uttömmande information. Resultatet visade att banker använder ögonblickligt värde för att analysera kunder värde och när det gäller hantering av olönsamma kunder finns risk för finansiell uteslutning främst på grund av kreditkrav och riktad marknadsföring.

Asthma is one of the most common diseases among children. The aim of this study was, through a literature review, describing children's experience of living with asthma and show how negative experiences can be turned into positive ones, by the nurse's work. Results showed that many of the children with asthma experienced respiratory- and chestproblems, tiredness, panic, fear, anger, frustration, discomfort, irritation and anxiety. Children felt most restricted in physical activity's. Education used to enhance children's experiences included relaxation, imaginary exercises and confidence training.

Utvecklingen av självförtroendet är en pågående process. Ett dåligt självförtroende hos skolelever återspeglas på deras arbetslust och resultat i skolan. Hur yttras det och hur kan man avstyra det? Kan dramapedagogiken hjälpa och hur i så fall? Vad är dramapedagogik? I detta arbete beskrivs dramapedagogikens metod och inverkan på att motverka dåligt självförtroende hos elever. Underökningen baseras på litteratur samt empirisk undersökning i form av intervju med tre elever och en dramapedagog.

Research issue: The transition from Basel II to Basel III becomes consuming for banks, financially. But Basel III should be profitably for financial market economy. Risks in the financial world is very complex. Is Basel III is sufficient to manage risk and future crisesPurpose: The purpose of this paper is to examine the application of Basel II and the transition to Basel III in Sweden with the banking system in focus.Method: The study has a qualitative research methodology for the collection of empirical data. The study is based on interviews with four large banks of Sweden (Swedbank, SEB, Nordea, Handelsbanken) and with Finansinspektionen.

 Den här studien vill synliggöra elever med läs- och skrivsvårigheter och deras situation på yrkes­förberedande gymnasieprogram. Studien är baserad på kvalitativa halvstruktu­rerade intervjuer med kvinnliga elever som studerar vid yrkesförberedande gymnasieprogram. Resultatet belyser det stöd och bemötande som eleverna upplever från skola, familj och kamra­ter. Ett tydligt re­sultat i denna studie är brist på information från lärare till elever om tillgängliga kompenserande hjälpmedel. I slutsatsen presenteras förslag på utvecklingsprojekt mellan be­rörda parter i skolan för att förbättra måluppfyllelsen för elever i behov av särskilt stöd..

The process of European Integration and creation of the single market revealed many questions and boundaries on the development and improvement of the European Social Policy. Pension?s sustainability has become the priority issue especially during the EU enlargement processes. Different policy instruments and institutions available to governments of Member States in realization of social objectives resulted in a growing diversity of pension polices which produced different combinations of public and private provisions - ?private-public hybrids? , with the state exercising different degrees of influence in their development.

Background and problem: The importance of banks was clearly shown during the last financial crises, when the crises that started in the banking sector spread to the rest of the world. This is one of the reasons that this thesis is focused on banks in particular, one other reason is that a lot of previous studies has chosen to exclude banks because of the fact that their balance sheet differ from non-financial companies. This thesis is a beginning in filling in the gap that exists in the knowledge of banks capital structure. Purpose: The purpose of this thesis is to prove that it is possible to explain the capital structure in banks and that differences in the capital structure of the banks in Great Britain, Sweden and the United states of America exists. Method: The fact that our study is partly a replication of two earlier studies made a deductive approach most appropriate.

The aim of this qualitative study was to explore which inner conceptions about the abused older women the professional social workers had and how they experienced the enconter of an abused old woman in an intimate partner relation. The theoretical background is social construction by Berger and Luckmann. This theory was uset to analyze the transcribed interviews. This study is based on nine interviews with five professionals in social services, three volunteers from the voluntary sector and one social worker who worked in a community based support group for abused older women. The result of this study shows that older women were often abused, by a relative they were dependent on, in their home.

At Kungliga Biblioteket in Stockholm you can find over 40 000 letters sent to Selma Lagerlöf. Many of her readers wrote and asked for her help, and the letters show that she helped a lot of people with money as well as with writing advice. People from all over the world asked her for money to be able to study, to finish their written works, or just to get through the day. Others want her to read their texts and poems, because they wish to hear her opinion or wonder if she can put in a good word for them at some publisher. This essay illuminates the question why so many people had this confidence in Selma Lagerlöf.