As of today, securitization is an established product on the capital market. The first transaction was made in the US in the 1970s. Since then the product has been developed and today there are several different structures of the product. Internationally securitization has been used for two reasons. Originally securitization was used to gain capital relief, but since capital requirements such as Basel II were implemented, the usage of securitization changed to more of a funding source.

Men?s magazines is a form of media that has been present and popular among men for decades and even centuries. In the beginning of 1990 the popularity for men?s magazines boosted as the new ideal man was presented. The new lad represented a new masculinity that was more honest about its ideals and point of views.

According to Nosti (2012) banks target youths to find new customers by giving them special offers such as debit cards from a relatively early age. However, Moschis and Churchill (1979) point out that age can affect the level of knowledge in the consumer. Therefore, this essay focuses on youths as consumers. Specifically, youths? awareness of security risks in using bank tools such as debit cards or internet banks was studied.

The aim of the study was to examine which approach future social workers have regarding specific competence in the meeting with lesbian, gay, bisexual, transgender and queer clients. Previous research shows that LGBTQ people have a low confidence towards social services, police and courts and say they face discrimination and degrading treatment to a greater extent than the heterosexual population. Research shows that education and better skills of LGBTQ culture among professionals can change the situation.The essay is based on a model of cultural competence in working with sexual minorities and people with a transgender expression. The model defines the meaning of an LGBTQ perspective and is designed to improve social work with LGBTQ clients.The study is quantitative and empirical data consists of 203 survey responses from students with a long experience of the social work education. The analysis of the results is based on the cultural competence three principles; attitudes, knowledge and skills.

Problem: Trots att betalkort funnits länge i samhället, så används idag kontanter fortfarande i stor utsträckning. Handhavandet av kontanter innebär höga kostnader, dels på grund av extraarbetet det innebär för butiker att räkna pengar varje dag, dels för bankpersonal som ska sköta insättningar och uttag och dels för kostnader till vaktbolag som sköter penningtransporter. Om man vet varför kontanter fortfarande används till så stor utsträckning och till vad, så kan man rikta in sina insatser på var man ska öka betalkortsanvändningen. Avgränsningar: Fokus i denna uppsats är på samtliga svenska konsumenter som har rättighet att få ha betalkort från en bank. Syfte: Syftet med denna uppsats är att undersöka om produktegenskaper såsom pris och kvalité påverkar valet om att betala med kort eller kontant. Metod: Undersökningen är genomförd som en kvantitativ undersökning.

The knowledge of value-enhancing factors in condominiums is very important for real estate agents when valuing condominiums, but it is also of interest to the owner for an upcoming renovation and sale. Previous research has sorted out the most fundamental factors affecting value of condominiums such as location size, age and condition.The purpose of this paper is by consumer?s actual preferences regarding various attributes identify the most value-adding factors in condominiums. Thereby we want to add and nuance previous research.This has been done through a quantitative method in which possible buyers have ranked how various attributes affect their willingness to pay. The results were analyzed and the median of the various attributes have been recognized.The result shows in accordance with previous research that the location is the primary value-adding factor.

The purpose of this essay was to find conceivable marketing- and business strategies that can be combined with a company?s lifestyle.This essay is dependent on a number of interviews with the owner of a maternity clothing trademark, PROUD. PROUD is a new company that has many different options concerning expansion, trademark and its existing and future products and also the knowledge regarding the client?s attitude towards PROUD.The authors of this essay believe that the trademark should represent a lifestyle. For a company to be able to deliver, it has to understand what the future clients want and need.

Återkommande kunder, det är något de flesta företag på dagens marknader strävar efter. Idagens rådande situation präglas många marknader av hård konkurrens och relativt nyförsäljningskanal växer med stormsteg nämligen E-handel. Utan dyra butikshyror, derelativt små uppstartningskostnaderna och möjligheten att nå potentiella kunder världenöver är några av de faktorer som gör att fler företag finns och verkar inom E-handel. Det isin tur leder till ökad konkurrens om kunder och återkommande kunder blir vitalt för ettlönsamt företagande. Vi har studerat och försökt förstå varför en kund som handlat engång väljer att återkomma med ytterligare ett köp.

The matter of CSR and sustainable products has gained an increased amount of interest in recent years as "green products" are becoming a trend with more "eco"-alternatives in the assortment of many retailers. However, among the increasing number of socially oriented customers, it seems that although they claim an increased demand for these kind of products, its easier to "talk the talk" that to actually "walk the walk". This is due to a discrepancy between attitude and behavior, called the attitude-behavior gap. The purpose of this paper is to examine how to overcome this gap by using three different studies to get a nuanced and reality-based view of the problem. The focus within these different studies is on the potential effects inside the store and how information provided has an effect on perceived credibility and purchase intention.

The question is who should govern and administrate a municipality owned urban forest? Should societies and the public be invited to participatory planning, who are the interested parties, could they be treated like a group and what are their opinions on administration and management? The study is carried out in a municipal owned forest Vitberget Skellefteå that is widely used by associations and individuals for recreation and training.This has led to several discussions in the local media about the management of the forest, especially in connection to harvesting. The work undertaken here has been to identify who has any interest in the management of the area. After identifying the interested parties, a selection of the societies, schools and pre-schools that actively uses the area as well as random individuals met in the area was interviewed. The questions asked can be divided into six main groups:? Communication with the municipality?s managers for the area? Interference from other activities? Views on forest management? Views on nature conservation? The uniqueness of Vitberget? Development opportunitiesThe crucial factors identified as being needed to succeed in managing an urban forest are long-term administration, information and communication.

Syfte: Syfte med uppsatsen är att öka vår kunskap om product displacement samt att utreda den påverkan product displacement har på mottagaren sett ur ett marknadsföringsperspektiv. Pararellt undersöks om fenomenet kan vara en fördel eller nackdel i marknadskommunikationen. Utgångspunkten i utredningen är att varumärkesinnehavare själva använder sig av product displacement.Metod: Denna studie har genomförts med en kvalitativ metod och induktiv ansats. Metodvalet har sin utgångspunkt i den bristande teorin då fenomenet product displacement är ett nytt begrepp sett ur ett marknadsföringsperspektiv. Undersökningen bygger på tjugo kvalitativa intervjuer med mottagare av product displacement samt två respondenter med yrkesanknytning inom marknadsföring.Avgränsningar: Denna uppsats behandlar endast product displacements effekter på mottagaren som i vårt fall är begränsat till studenter i ålder 20-25 år.

Bakgrund: Framväxten av Internet hade stor inverkan på många branscher. Det talades både om den potential som E-handeln hade och det hot den utgjorde mot traditionella butikshandlare. Att E-handel har förändrat många branscher är tydligt men också att återförsäljare börjar kombinera E-handel med fysiska försäljningskanaler. Traditionella företag har i många fall öppnat en E-handel för att svara på konkurrensen och en hel del har skrivits om detta i forskningen. Vad som dock fortfarande är relativt outforskat är E-handlare som väljer att öppna fysiska försäljningskanaler.Syfte: Syftet är att studera hur ett E-handelsföretag inom återförsäljning går till väga när det öppnar butiker och skaffar sig en hybrid distributionsstruktur.Genomförande: Vi har valt att göra en fallstudie av företaget Scandinavian Photo som i huvudsak baseras på intervjuer genomförda på deras huvudkontor i Jönköping samt i deras butik i Stockholm.Resultat: Vad som karaktäriserat strategin för fallföretaget är att den verkar ha vuxit fram över tid snarare än yttrat sig som ett rationellt vägval.

Background: The background shows that since the consumption patterns constantly are changing and the Internet usage is growing it creates more opportunities for the companies to interact through new media. There are two ways to go for companies that intend to use social media as a marketing strategy, to be in the possession of their own information or get help from a third party.Problem definition: What factors are important in the long term survival of the companies when choosing a social media?Objective: The objective of this essay is to analyze and evaluate the personal blog and the company blog as an information technology strategy.Method: The essay will have a hermeneutic and quantitative approach in the form of a survey. Theories: Consumer Behavior, The Buying Decision Process, Involvement Theory, Business Concept, Branding, Total Communication Theory, Word-of-mouth/web and Service Profit Chain.Empiric: The empiric will consist of the results from the survey.Results: The result shows that the blog is effective as an information technology strategy however the companies should adapt their choice of blog to the products that they sell.Conclusion: Important factors for companies that seek long-term survival are involvement, communication and loyalty. It is also important to use a relationship marketing approach. .

Background and problem: Whether or not the pay to executives is fair is widely debated. During the last years especially the variable pay has been in the spotlight. But at what levels are the compensations really at? Media?s focus is mainly on the absolute highest compensations which may result in a skew view on pay-for-performance incentives.Purpose: The purpose of this thesis is to establish the levels of compensation to executives in a wide range of randomly selected companies listed on the Stockholm stock exchange during the years 2001 to 2005. Furthermore, the impact of a set of firm specific variables on compensation levels will be analyzed with basis in several hypothesis.Delimitations: The variable pay considered in this thesis will only be variable cash bonuses.

The purpose of this study has been to examine a few Swedish advertisment producers opinions on the subject of viral advertising and especially the ethical aspects of hidden viral advertising. The specified purpose of this paper is to:To clarify the underlying reasons for the use of viral advertising.To clarify the advertising producers ethical views on hidden viral advertising.The essay is based on a qualitive research metod of an abductive nature where the empirical data is derived from interviews with three advertisment producers. Through a stratified selection method we contacted agencies that in one way or another uses digital solutions as an advertisment method. All interviews were conducted via the digital chat room Skype, one of the interviews were conducted with both picture and sound and the other two with audio-only.The following points are the essential conclusions of our study:Hidden viral advertising is seen as a rare promotional method in Sweden today, however, the viral-spread effect is more commonly used.The economic factors together with the spreading capacity of the viral advertising is contributing to one of the biggest reasons behind the use of viral advertising. In addition to these, viral advertising is seen as an effective way to stand out from traditional advertising.Viral advertising where the sender is hidden or unclear is always seen as unethical.