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1457 Uppsatser om Consumer credit legislation - Sida 59 av 98
Riskhantering : Hur applicerar svenska fondbolag teoretiska riskhanteringsmodeller i praktiken?
There are different types of risk, examples include credit risk, liquidity risk and financial risk. In DeMarzo & Berk (2011, s. 293) is a study presented which is based on the yield of different types of financial assets between 1925 and 2009, the study show that a high risk gave substantially higher reward. With the study as a background, it is interesting to study practical risk management within participants of the financial markets of Sweden. In risk management there are several theories about whether risk can be calculated and analyzed with scientific methods in practice.
Ligghall för utegångsdjur ? en sammanställning och analys av domar i djurskyddsärenden som handlar om ligghall till utegångsdjur åren 2007-2013
There is currently an ongoing discussion in Sweden about the need for weather shelter for farm animals being kept outdoors during the winter season. Currently, the national animal welfare legislation requires weather shelter providing the animals? with access to a dry and clean place to rest, but under certain conditions exemptions can be granted. The Swedish Board of Agriculture has put forward a hypothesis that there is a difference between judicial decisions in animal welfare cases dealing with weather shelters, as to whether the animal has shown to be suffering or not. The aim of the study was to highlight any weaknesses or difficulties when assessing animal welfare issues associated to the absence of or design of weather shelters.
Utbildningssituationen i Norrland år 1813. : En undersökning av genus och etnicitet
Abortion remains a contentious issue, which greatly raises ethical problems. This thesis examines the leading arguments in the Swedish abortion debate around the ? in terms of legislation ? critical years of 1938 and 1974. With Foucault's genealogical method, Butler's theories of gender as a social construction in relation to power and doxa, the study examines what the development of the argumentation says about the views on morality, the woman's body, life, individual and state? How has the arguments pro and against abortion changed over time and what does this say about the norms that guide and orientate the arguments? The most obvious change in argumentation is seen in the shift from an absolute moral and conservative position into an increasingly relativistic and liberal position, and this study will argue that this shift has its prerequisites in the changing status of the citizen and state.
En sekulär Lucia? : En argumentationsanalys av debatterna kring det svenska skolväsendets förhållningssätt till religiösa institutioner och traditioner under åren 2011-2012
On the 1st of July 2011 a new education act was carried out, which elucidate that all education in course of a public principal shall be non-denominational. In relation to this a public debate about the educational system's policy toward religious institutions, particularly the earlier nation church Svenska Kyrkan, and religious traditions burst out. This thesis reconstructs the ?Lucia debates? that were kept during the years 2011-2012. The aim of this thesis is to identify the mechanisms of the Lucia debate's issue and progress.
Optimering av driftläggningar i Fortums nät
Future emission legislation puts great emphasis on increasing the efficiency of the engine, thereby reducing fuel consumption. The tribological contact between cylinder liner and piston ring is where an great amount of energy is lost due to friction, and by reducing these losses an reduction in fuel consumption can be achieved.The aim of this thesis was to evaluate the tested piston ring coatings against a plasma sprayed cylinder liner and rank these combinations of materials for friction and wear resistance. The coatings that were tested was Cr + Al2O3, (Al,Cr)N, two types of CrN and WC / C.The experimental tests were performed with a so-called pin-plate, where used oil with addition of an acidic mixture of sulfuric and nitric acid to mimic the acidic condensate formed when exhausts recirculate, were added with a continuous flow. The results were then analyzed by weighing, studies by optical microscopy and scanning electron microscopy (SEM) and profile measurements.The results from each material combination were that the plasma coated cylinder liner wears too aggressively in order to yield a ranking of the piston ring coatings based on the parameters of friction and wear resistance. It is therefore proposed that an alternative coating on the cylinder liner should be developed, lacking the large abrasive wear on piston rings and that can withstand the corrosive environment resulting in engines equipped with EGR.
Hur hanterar E-handelsföretag inom Business to Consumer returflödet?
Att handla på Internet har blivit mycket populärt. Allt fler företag öppnar
handelsportaler på Internet där konsumenten kan köpa företagets produkter. I
och med att kunden inte kan se produkten i verkligenheten, utan bara som en
bild på Internet, händer det att kunden blir missnöjd med produkten och väljer
att returnera den. Produkter som säljs på Internet har en tendens att
returneras i högre grad än andra produkter som säljs på traditionellt sätt. När
det gäller betalningen av produkterna har konsumenterna många olika
betalningssätt att välja bland.
Kritikhantering på social media
Social medias användningsområde har under de senaste åren ökat. Från att till enbörjan användas av privatpersoner till att nu även vara en del av flertalet företag.Tekniken kan skapa nya tillfällen att synas, skapa kundrelationer samt kommunikationsmöjligheter. Det finns olika syften med att använda social mediamen värdet kommer inte från plattformen i sig utan från hur den används. För attett företag ska använda social media kan det finnas anledning att acceptera och varamedvetna om att kritik riktat till företaget offentliggörs. Forskning pekar på attföretag förväntas bemöta åsikter, uppfattningar och upplevelser från konsumenter.Dock saknas tydlig vetskap om hur eller på vilket sätt.
Pliktleverans under förändring: en diskursanalys av E-pliktutredningen samt diskussion kring dokumentbegrepp som uttrycks däri.
Sweden has a long tradition of collecting documents by way of a process of legal deposit of copies. Its aim is to ensure the availability of material for research, cultural preservation and citizens? right to free information. New forms of publications, made possible by technical advances, are not accommodated in the traditional deposit submission criteria. Certain information accordingly risks being lost.
Är vinkritik nonsens - En explorativ studie av vinkritiker och deras bedömningsprocess i en kluven industri
With increasing wine consumption and a growing assortment at available to Swedish consumers, there is an interest in understanding the decision making process of Swedish wine consumers. In this thesis the expert phenomenon is studied with respect to wine through wine critic reliability: grading objectivity, understanding the process of wine criticism and possible critic influence on consumer behavior. Two studies were performed; a qualitative in-depth session of interviews with industry connoisseurs and a quantitative analysis of 589 online wine reviews. Our results indicate that wine reviews are highly subjective and defy prediction through analysis of external variables. Critics are likely to judge differently based on what information they have at hand, suggesting that expectations affect grading.
Konsumenters uppfattning av hållbarhetsredovisningar i livsmedelsbranschen
Sustainability reports are drawn up for the company's stakeholders and declare the company?s corporate social responsibility. Consumers are one of the companies' most important stakeholders for food companies. This study is aimed to describe how consumers perceive sustainability reporting in the food industry and if the application level of the GRI framework has an impact on how consumers perceive sustainability reports. Consumer perception is described in the GRI principles and the basis is the ICA and Coop's sustainability reports, which are two of Sweden's largest food company.
"Hur dricker du?" : En studie av kommunikationsstrategiers utfall hos målgruppen med avseende på olika konsumtionsbakgrund
In this paper the authors aim to examine the effects on consumers using different strategies in a campaign within social marketing. A model by Evans et al (1996) has been used in order to see the different steps in which advertising catches the viewers? attention and eventually leads to action or purchasing. However, in the case of this thesis, the intention of the chosen campaign is to change the consumers? attitudes and behavior towards alcohol.
Mincing the brand ? A study of the relationship between private labels and retailer brands
Purpose: To contribute to the understanding of the relationship between private labels and the retailer brand in grocery retailing. Methodology: We use structured interviews as a cross-sectional method for quantitative data collection. The existence of the relationship is tested through correlation analysis and regression analysis. Theoretical perspective: Perceived quality of private labels and of retailers are the main theoretical concepts for this thesis. Additionally, we introduce the concept of loyalty to show the benefits of a positive consumer image.
Expertskattens förutsägbarhet
In 1984 the Swedish government introduced a special law which gave tax benefits to foreign researchers who for a limited time was engaged in research or development work in Sweden. The purpose was to facilitate for companies to recruit skilled employees from outside of Sweden and to make Sweden more attractive to this important group of researchers and to strengthen the Swedish competitiveness. In 2001 the law for foreign researchers was reformed to include foreign experts, researchers, managers and other key personnel. In Sweden called ?expert tax?.As a result of this; problem with the predictability of who may have the potential to apply for the expert tax benefits was developed.
Byggnadsminnesförklaring : ett långsiktig hållbart skydd?
There are currently 2160 buildings in Sweden that are protected by law with the designation as a cultural heritage building, which is the strongest protection that can be obtained for a building of cultural historic significance. The purpose of this thesis is to research how strong and sustainable the protection of such a designation is and how you can motivate a revocation. Furthermore, this thesis aims to give an overall insight into all cases where there has been a revocation.To achieve the protection of a designation as a cultural heritage building, the object has to be of outstanding interest on account of its cultural historic value. In the first part, this thesis gives a short historic background of the cultural heritage law and its terms, like outstanding interest and cultural historic value. The County Administrative Board's documents about revocation are the main source for this research.There have been 24 cases of revocation and the frequency of such cases has increased in the past ten years.
Avfallsförebyggande arbete i Norrbottens läns kommuner : En studie om kommunal avfallshantering och avfallsdirektivets påverkan
This study aims to evaluate the waste management in Norrbottens municipalities in key areas such as possibilities to reach the two national waste goals, information to the public, the effect of legislation, future of waste management and differences in geographic- and demographic areas. The Waste Framework Directive (WFD) issued by the EU and incorporated into Swedish law plays a major part in waste management by defining a hierarchy in five steps how waste should be treated. Interviews conducted with each of the fourteen municipalities aimed to find out what step in the hierarchy they are at and what effect the implementation of EU-legislature into Swedish law has had. Based on the interviews a diverse range of answers was found in relation to the questions asked, generally the more populated municipalities saw a more positive future of waste management, mainly because more developed infrastructure to handle waste is already in place. However the smaller the municipality is the harder it is to allocate resources for waste management and problems arise in the form of expensive transports of waste.