The European Union is struggling to maintain democracy and tries to increase the participation among the citizens in Europe. The European Citizens? Initiative, ECI, is a platform established by the European Commission to allow citizens to propose new legislation. ?Water and sanitation are a human right! Water is a public good, not a commodity!? is the first ECI that has met the requirements.

En bostad kan ses som en investering och finansieras oftast med ett bostadsslån från en bank. Finansinspektionen som fungerar som ett tillsynsorgan till bankverksamheterna har agerat mot en osund kredithantering med hjälp av införandet av ett bolånetak. Tidigare finansiella kriser har visat på svårigheterna att i förväg föreställa sig effekterna av framtida osäkerheter. Vid ett bostadslån kommer kreditgivaren och kredittagaren behöva resonera kring framtida osäkerhet som medföljer skuldsättningen. En ökad skuldsättning i förhållande till disponibel inkomst för varje enskild låntagare skulle innebära en ökad risk för bankens stabilitet.

The purpose of this essay is to analyze and understand how producerbrands are able to communicate their brand through today's marketing channels, also how development and changes that occur in the society can affect the producers communication abilities. We have seen a tendency that many retailers have created their own brands that are competing with the producers, this leads to the fact that producers in some cases are having trouble communicating their brand to the end-consumer. The fact that the producers marketing through retailers now is more limited than before, the producers now have to capture the consumers wants and needs through other channels.This essay is based on a qualitative method involving seven interviews. The persons that we've chosen to interview are carefully selected based on their specific knowledge about the subject in question..

Att bedöma och betygssätta företags kreditvärdighet är en stor och vinstbringande marknad. Ett företags kreditbetyg har visat sig ha stort inflytande när t ex lånevillkor behandlas. Detta ställer höga krav på kreditvärderingsföretagens förmåga att leverera korrekta analyser. Såväl långivare som investerare reagerar på ett ändrat kreditbetyg, vilket ger direkta effekter på det företag som betygssätts. Kreditvärderingsföretagen har kritiserats bland annat för att inte svara tillräckligt snabbt på ny information.

E-commerce is a conception who many are taking about nowadays. E-commerce is associate with computer based business and it?s a new way to do business on. Users and system connect up to each other for effective mediate and transfer information. Within e-commerce there?s a lot of ways to do business on and it can for example be between a business and a another business (B2B) or between business and consumer (B2C).In this degree report have I reached if small business will invest on e-commerce and if they will, how.

En produkt lever inte för alltid. Behovet av ständig förnyelse försvinner aldrig. Många produkter misslyckas på grund av att säljaren inte förstår målmarknadens köpbeteende. Syftet med denna uppsats var att skapa en förståelse för vad som påverkar företags vilja att köpa nya produkter. För att nå detta syfte skickade vi ut 200 enkäter till utvalda företag i Sverige.

Crowdfunding is a phenomenon that is subject to a great growth during the recent years, and the growth rate doesn't seem to stagnate. When new legislation named the JOBS Act in the U.S. becomes effective in late 2015, crowd equity will surely become a popular tool for financing businesses. Because crowdfunding great popularity is caused by the possibility to reach out to crowds through the internet, it is a global phenomenon, why it's relevant to examine current legislations in jurisdictions. This thesis covers an examination of Swedish laws of how they govern crowdfunding, and also suggestions on how the laws should be changed to more efficiently  correspond with the purposes of crowdfunding..

The consumer society exploits the earth?s resources more than the earth itself has capability to produce. This over-consumption causes a mass production of products, which mean that more greenhouse gases are being emitted to the atmosphere. This is one of the reasons why the earth?s temperature is rising, where the result of it is worldwide disasters.

The purpose of this thesis is to through the analysis of interviews with finance professionals in listed companies answer the question on what lies behind capital structure decisions, and to see how well the prevailing theories fit the answers. This article is an explorative and descriptive hypothesis creating study. We have used a qualitative method to analyse practice through theory. We have conducted telephone interviews with CFO:s and financial executives in Swedish listed companies on how they reason when they make capital structure decisions. We have then thoroughly reviewed the theory and empirical tests of the theories.

The intention of this essay was to describe and analyse the participant's experience in a work project based on a holistic model. The main purpose of the project was to integrate homeless people back into society. My main questions were: 1. What meaning did the project have in the participant's life? 2.

The purpose of this essay is to perform an evaluation regarding retrieval performance of three web search engines. The search engines included are All the Web, Alta Vista and Google. These have been tested using ten queries within different subject areas chosen by the author. The first twenty hits for each question have been analyzed for relevancy. Relevancy is judged on a three-point scale; 0, 0,5 and 1 where 0 goes to irrelevant and inactive or duplicate documents, 0,5 point goes to partially relevant documents and 1 point goes to highly relevant documents.

Denna fallstudie tar upp enskilda kvinnors upplevelser i samband med mediala diskurser och identitet utifrån deras position som tidigare utsatta för direkt patriarkalt våld. Vissa diskursiva begrepp diskuteras, exempelvis ?offer?. Centralt för respondenterna är att inte identifiera sig med dessa termer. Våldserfarenheterna har påverkat samtliga respondenter och det präglar hur de förhåller sig till diskursiva termer.

There exist a number of different types of value transfers between companies in a group. Most of these transfers are undertaken on the basis of private law. These transfers also give rise to tax law consequences. Taxation is normally based on how the classifications of transfers are made in private law, which means that there exists a relation between private law and tax law. Despite this relation, the classification is not always made in the same way in private law and tax law.

During the last decades the evolution of information technology and the increasing ability to access information have been discussed in many ways. In the beginning the focus was on the technology but now the discussion is more and more about the use of information and how to develop knowledge out of it. There is an ongoing discussion about the difference between knowledge and information. The subject of this Master s thesis is to find out if and how the Swedish elementary school has written into its mission statements to help the pupils to become information literate. For this purpose I have examined literature about information literacy and pedagogic as well as legislation and other documents that control how the Swedish elementary schools work.

Since 1996 the Swedish households have ten folded their volume of loans for own homes that is attached to a floating interest rate. Also in 1996 the Swedish electric market was deregulated. These two facts have increased the volatility in the household expenses for these two commodities. This thesis studies the risk for homeowners attached to the exposure against the electric and the credit market. The risk model used is Cost-at-Risk which is usually used by public authorities for analysing the risk involved with national debt.