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1457 Uppsatser om Consumer credit legislation - Sida 8 av 98
The role of relationships in lending to farmers : a study from the loan officer?s perspective
There have been significant changes in the agricultural sector during the past 20 years (Jordbruksverket, 2008). The development of today is towards deregulation and adaption to global market conditions. As farmers try to adapt to the changed and more competitive market conditions investments are often necessary (LRF Konsult et al, 2012). Loans to agriculture and forestry businesses have increased to record levels and debt has doubled over the past years. The financial turbulence of the past years has contributed to an increase of the meaningfulness and willingness of the banks to be able to understand and handle risks associated with agriculture and forestry (Breiding, 2010).
Om remedier i upphandlingsrätten : särskilt om skadestånd
An investigation of the remedies in the Swedish Public Procurement Law. The result of this investigation shows that the remedies are not satisfactory in upkeeping the Procurement Law. The swedish legislator has not fulfilled the demands of the European Councils Regulations in this area. This results in ineffective use of public funding as well as discriminating actions against private suppliers. I have found that some changes must take place in the legislation and that an electronic procurement procedure makes the legislation easier for both the public and the private parties to understand..
Effektiv marknadsföring genom segmentering : i ett litet kommunalt bostadsföretag i glesbygd
It is important to Ockelbogårdar to have knowledge about different needs by the segments on a market, while they can bring a product into line with consumer needs by marketing. To survey the needs of consumers, demographic segmentation could be in use. It is about to survey the most importent factors or advantages the consumers have in their living environment.The purpose of the essay is to investigate how Ockelbogårdar could make their marketing better against several target groups, in the existing building population, by distribute the consumers into segments. On the basis of the investigation and the segments that will introduces, Ockelbogårdar can offer the consumer a living which fits the indivdual consumer.A poll have been done by the conusmers of Ockelbogårdar. The poll have been delivered by post and a quantity data about the needs of the consumer have been evaluated.
Inköpsstrategier för ökad konkurrenskraft inom dagligvarubranschen
Term: Spring term 2007Study objects: Reitan Servicehandel AB, Vi-butikerna, ICA Sverige ABPurpose: The purpose of this study is to analyse how procurement is used as a strategy to achieve better competitive strength, within the retail food industry.Theoretical: The theoretical chapter illustrates different procurement organisations, multiple and single sourcing, brand equity, consumer behaviour and involvement, Efficient Consumer Response including supply chain and category management and finally Demand Chain Management.Method: For the case studies, three food retail companies have been interviewed: Reitan Servicehandel AB, Vi-butikerna and ICA AB. To illustrate how consumer behaviour influences retail food market, several secondary consumer research studies have been analysed.Conclusions: The results indicate that the procurement organisation can achieve a better competitive strength by a centralised organisation, which make it possible to improve conditions of terms when ordering higher purchase volumes. The sourcing strategies can improve a company?s power within the supply chain. All companies within the study had a very good knowledge about consumer behaviour.
Kreditgivning till lantbruksföretag : en jämförelse mellan Sverige och Danmark
In relation with structure transformation in farm companies with bigger animal population and pressure at the milk price, the farmers in both countries have to invest more money in the company to endure. This had conduct what more owners had seen grown requirements to invest in bigger population barns. The investment is necessary to retain stability in the economy for the companies, at that time when the profitability for small production barns decrease.
This essay carries out through a case, there the activities main part are milk production. The present operation consists of 82 milk cows in long stall with a yield on 10 500 kg ECM. The idea is that the company should increase the activity to 180 cows.
Reklamprat: effekter på upplevt reklamvärde och köpintention
This thesis provides the first test of the effects of ?advertising talk?, i.e. comments, discussions and opinions about advertising. Despite its prevalence quantitative research on advertising talk has been scarce and this study is thus an attempt to fill in some blanks. Hypothesizing that advertising talk will enhance consumer-perceived advertising value as well as purchase intentions and that the effects are more pronounced for talk generated by consumers as compared to marketers, I use a fictional campaign to measure responses in an experimental study.
Kommunikation mellan djurskyddsinspektörer och djurägare
This paper discusses animal welfare, and Sweden, as an EU member state, has a responsibility toensure that official animal welfare inspections are carried out in accordance with communityregulations. The first of January 2009, the welfare moved from the municipalities in to the 21county administrative boards. This restructuring was made due to the deficiencies that the auditconducted by the EU of the FVO (Food and Veterinary Office) 2003 found in the Swedishsystem. Sweden failed in coordination and inspection to ensure animal welfare.The aim of this examination paper is to shed light on animal welfare work operated in the countyof Halland and in Sweden in general. The paper focuses on a few questions.
J.E.R.E.M.I.E : en studie om förutsättningarna för ett nytt EU program
Abstract Semester and year: Spring, 2008Writers: Victor Andersson and Filip ForslundTutor: Thomas HelgessonProgram: Marketing program, Halmstad University - School of Business and EngineeringTitle: Differentiation from a consumer perspective - How important is differentiation from a consumer?s perspektive when choosing a residence? Presentation of problem: How important is differentiation from a consumer?s perspective when choosing a residence?Purpose: The purpose is on basis from previous theories on the subject to describe what kind of differentiating that from a consumerperspective is the most important when choosing a residence. Key words: Differentiation, brand, apartment market Methodology: This thesis is built on an qualitative method, where eight open individual interviews have been made. Our choice of respondents was based on what kind of respondents that could give us the most accurate information on the subject which we based on relevant variables. Theory: The framing of the theories is based on a marketing perspective within the area of differentiating and focuses on how companies use different tools to differentiate their offer to create competitive advantages.
Securitization as An Alternative Tool of Financing Student Loans ? A Case Study for CSN
The purpose of the study is to highlight the issue of student loans securitization, and assure the importance and benefits that could be realized by performing such a transaction. The methodology is a case study for The National Board of Student Aid. It is a qualitative study, mainly using interviews, literature and scientific articles. By using this information we construct a securitization transaction structure ?CSN 2006-1?, and conduct a cost/benefit analysis.
Tilltro vid nyttjande av e-tjänster
Background: Trust has been a foundation of commerce since the very beginning. Trust can in the traditional commerce be built by face-to-face meetings, this is not possible at the Internet. Although, trust ought to be important even for the commercial business relation at the Internet and crucial for the consumer to use this communication channel. Purpose: The purpose of this master thesis is, from a consumer point of view, to study and analyse the importance of trust using e-services. Demarcation: The thesis is focusing trust using e-services, from a consumer point of view.
Otillåtna ändringar av byggnadsminnen. Hur byggnadsminnesförändringar utförda utan tillstånd hanteras av länsstyrelserna
Unauthorized changes in listed buildings and environments occur all around Sweden. The main purpose of this thesis is to examine how these forms of transgressions have been and are being handled in some Swedish county administrations. What do legislation within conservation of heritage expresses when transgressions occur? How do county administrations interpret and apply legislation to actual situations? What methods do county administrations make use of to prevent unauthorized changes?16 out of Sweden´s 21 county administrations have been studied and used as an empirical basis. This basis has led to a general conclusion of the county administrations experiences and working processes when handling unauthorized changes in listed buildings.
Behovsbedömning av detaljplaner i Östergötlands kommuner.
In Sweden, detailed development plans (DDPs) go through a screening process to decide whether their implementation could cause significant environmental impact or not. The criteria in the legislation were studied to see if an environmental impact assessment was needed. This study also investigated 26 DDPs from 12 out of 13 of the municipalities in Östergötland and how they meet up to the demands in relevant legislation, for example the rules for Environmental Impact Assessments. Plans that concerned suburban communities and new housing were selected. The environmental issues highlighted in the plan documents were compared to selected topics from the GIS data base 'Östgötakartan' to see if the assessments made by the municipalities were reasonable judged.
Differentiering ur ett konsumentperspektiv
Abstract Semester and year: Spring, 2008Writers: Victor Andersson and Filip ForslundTutor: Thomas HelgessonProgram: Marketing program, Halmstad University - School of Business and EngineeringTitle: Differentiation from a consumer perspective - How important is differentiation from a consumer?s perspektive when choosing a residence? Presentation of problem: How important is differentiation from a consumer?s perspective when choosing a residence?Purpose: The purpose is on basis from previous theories on the subject to describe what kind of differentiating that from a consumerperspective is the most important when choosing a residence. Key words: Differentiation, brand, apartment market Methodology: This thesis is built on an qualitative method, where eight open individual interviews have been made. Our choice of respondents was based on what kind of respondents that could give us the most accurate information on the subject which we based on relevant variables. Theory: The framing of the theories is based on a marketing perspective within the area of differentiating and focuses on how companies use different tools to differentiate their offer to create competitive advantages.
Den som vet bäst vinner mest - Om information i butik och hur den används.
When in the process of buying a product based high effort behavior, the consumer needs information to decide on which product that best satisfies their need. There is a wide arrange of sources where this could be found. One of the most important, due to the great influence it has on consumer choice, is in-store communications. This is also one of the least developed sources. It is not uncommon that the only facts that can be acquired are found on product packaging and from contact with the store´s staff.
Nyckelfaktorer vid exportetableringar i Tyskland : - En studie gjord på fyra norrländska företag
A common assumption in marketing is the wider variety of product a corporation has, the better for the consumer: more product - more choices. Companies often develop a line extension to broaden consumer range through product attributes including quality, function and design. These developed attributes within the product are not always optimal for the consumer. As a result, companies often become entangled in having a price higher than the cost and benefit of the products. This essay aims to analyze the consumer value of line extension products and how these evaluations relate to extended line product pricing.