Through certain exceptions in the Swedish regulation on credit agreements for consumers, a new form of instrument for credits has arisen on the national market. The instrument, which is most commonly known as easy credits and was first seen on the Swedish market for consumer credits in 2006, has developed to become part of a vast problem with excessive debt incursion. In order to counteract this development and to harmonise the internal market within the EU, directive 2008/48 EC on credit agreements for consumers was introduced in 2008. In Sweden, the implementation of the directive has led to a proposition for a new regulation on credit agreements for consumers (SFS 2009/10:242 Ny konsumentkreditlag) coming into effect on the 1 January 2011. The proposition puts up stricter rules on creditors granting consumer credits in their course of business, and revokes the former exemption on information and practices preliminary to the conclusion of the credit agreement for minor credits.

The aim of this study was to understand how social workers deal with honour-related violence, with special focus on the processing from sheltered housing. Our qualitative interviews with social workers that work with this kind of problems show that there are both obstacles and opportunities in the processing from sheltered housing. On the negative side are the loneliness, the shame and the guilt that the girls may experience when they need to leave their families. The social services can both be an obstacles and an opportunity. When the girls need to create a new life in a new city they have a lot of opportunities and in the same time it is hard to get to know new friends when you don´t know the city or have much money.

Background: The Swedish Financial Supervisory Authority?s mortgage limitation, of mortgaging up to 85 percent of the market value of the real estate was introduced on the first of October 2010. The aim of the recommendation is to prevent a detrimental development of the market for mortgages while at the same time creating incentives for the consumers to limit the debt level. The mortgage limitation is a recently adopted recommendation and few studies have made a thorough analysis of its effects, hence it is an interesting topic to study.Aim: The aim of this study is to analyze the initial effects of the mortgage limitation for consumers, banks and estate agencies. Furthermore, the study aims to evaluate drivers of consumer debt levels and conclude whether the mortgage limitation will result in lower debt levels for consumers.Completion: The study is based on interviews with respondents from banks and with respondents from estate agencies to enlighten the initial and long term effects of the mortgage limitation.

For the Swedish artist Björn Lövin, the personal was a problem. In his first exhibition in Moderna Museet, Lövin observed through the fictitious character Mr. P (for »Personality«) the ruptures in the Swedish welfare state. The exhibition Konsument i oändligheten och Herr P:s penningar (Consumer in Infinity and Mr. P?s Money) (1971) was composed of two environments, through which a veridical working class apartment and a high street with life-sized mannequins and furniture characteristic of its time, visualized the societal discrepancies in the welfare state as well as the art world of the early 1970s.

The aim of this study is to understand how the library environment affects the experiences and feelings of public library users. In order to concretise this, the study sets out from the public library in Bollebygd. We wanted to find out how the library users experience the library environment. Does the library environment affect the meeting between library users? How does the environment affect their moving patterns inside the library? Which environmental factors influence the users' experiences? Our questions were: how do users experience the library environment - as a mediating space for information and culture? - as a social room and meeting place? The material used to attain the purpose of the study consists of qualitative observations and interviews, and literature studies.

This thesis in social anthropology is based on the essence of Scottishness i.e. Scottish identity and Scottish clans. The thesis intends to raise the meaning of Scottish history for the Scottish identity and to analyse the relation between Scots and Englishmen. It is also meant to study how Geertz and Lewellen?s theories work in the Scottish field.

Aim and starting point: The aim of the Bachelor thesis is to examine and define the paramount knowledge Chinese businessmen need in order to succeed with their establishment in Sweden. The authors also seek to answer what incentives attract Chinese businessmen to come to Sweden, as well as how Chinese establishments in Sweden can be predicted to appear in the future.Results/conclusions: The study outlines key areas in which Chinese businessmen should have knowledge in order to succeed with their establishment in Sweden. The results also gives an indication on how Chinese business establishments in Sweden will appear in the future, into which areas the Chinese mainly invest/establish in, as well as why and how these are done. On the basis of this material the authors generate proposals for educational packages which among others can be sold to Chinese businessmen.Knowledge overview: Here relevant theory connected to the area of study is presented. The knowledge overview presents the Swedish in relation to the Chinese perspective in areas such as: culture, hierarchy, relations, Face, communication, HRM, education, CSR and labour law.

The authors study the effects of brand salience on how consumers form brand attitudes and how consumers value the importance of various brand attributes. The study was conducted through two separate tests, the one focusing on the link between brand salience and brand attitudes and the other focusing on the link between brand salience and evaluations of attribute importance. Both tests measured brand salience as the ease with which brands are recalled by respondents who have been cued with a specific product category. The results show that brand salience has direct effects on both brand attitudes and the evaluation of attribute importance. As brands are recalled, high brand salience for a brand creates a more positive attitude towards that brand in the mind of the consumer.

The purpose of this study is to examine how teachers and parents are communicating with each other in a foreign area. In case of obstacles in the communication, this study will examine how the preschools create opportunities to solve the problem. This study will also look closely at this relationship from an intercultural communication.This study is based on interviews. My informants are four teachers and four parents, one of the parents is Swedish and the other three have different ethnic and culture backgrounds.This study has reached to several results. The interviews with the teachers have shown that they are unsatisfied with their relationship with the parents because there are two factors that result to their communication difficulties.

Syfte: Syftet med uppsatsen är att kartlägga hur ett tänkbart samband mellan mode och varumärke kan se ut i modeföretag. Metod: En kvalitativ studie med ett abduktivt angreppssätt. Slutsatser: Sambandet mellan mode och marknadsföring i modeföretag är mycket starkt, även om branschen i sig, historiskt sett inte agerat som om så vore fallet. Centrala faktorer för modeföretagen med ett starkt samband i just dessa två begrepp är bl.a.: ? Överexponeringsproblematiken, det faktum att varumärken kan förbrukas.

The purpose of this study has been to analyze the relationship between commercial brands and a subculture, with a focus on a number of elements of success. These elements could be in the nature of sale stats as well as that of influence within the subculture. All of this within the context of the snowboard culture. In accossiation to this we have formulated a question of study:What marks brands which gains influence within a subculture in addittion to becoming an important factor in the self-expression process of the cultural members?In this study, we have practised a qualitative method based on six (6) independant interviews with participants, active within the snowboard culture as well as one outside marketing executive and one ethnological reseracher.

Adam Smith?s economic theory is often subject to criticism, in which it is claimed to be inherently inconsistent. Recently, criticism from well-known scholars has arisen claiming Smith should be characterized a labor value theorist anticipating Karl Marx. This study seeks to analyze whether such criticism is legitimate. Firstly, the economic theory of Smith is discussed in terms of consistency, and secondly, a number of typical and main points of the critique, from the most influential of his contemporary critics, are lifted up and analyzed.

This bachelor thesis argues for consumers' views on origin labeling effect and their willingness to pay for goods with this kind of label. The purpose of this study is to analyze the factors that influence and to measure willingness to pay for a national origin labeled product previously only competeing with a less expensive conventional product, when a further regional product is introduced in the purchasing decisions of consumers. This is achieved by testing whether Simonson's (1989) theory of the compromise effect is applicable to increase consumers' willingness to pay for eco-labeled food products. The factors affecting the willingness to pay; trust in eco- label, opinions about the products of their own nation and the surrounding region. Furthermore presents theory about what underlying the consumer consumption choices.In order to achieve credible results 240 respondents have participated in a questionnaire survey.

Lately an increasing portion of the public debate in Sweden has been devoted to how societies may facilitate entrepreneurship, yet a negligible portion of this debate has discussed the impact of the community spirit on entrepreneurial activity. Further, this connection is a relatively uncharted field in terms of research as well. The aim of this study is accordingly to advance the study surrounding the impact of community spirit on the propensity for entrepreneurial activity and add new empirical data and insights to the existing body of theory. A four-month ethnographic study of the Provo-Orem region in Utah, USA, comprising of in-depth interviews and participant observations, was therefore undertaken with the aim of understanding the community spirit in the studied region and its influence on entrepreneurship. The thesis finds that numerous values such as self-reliance, family focus and security together with a strong religious culture make up the essence of the community spirit in Provo-Orem.

The aim of this study is to show how some persons with one of the Swedish national minority languages as mother tongue use a library with regard to their mother tongue and culture. The research questions are: How do Sami-speaking, Finnish-speaking and Meänkieli-speaking (Tornedalen Finnish-speaking) persons use a library with regard to their mother tongue and their culture? What aspects do they find important in this use? As a theoretical frame I have used Marianne Andersson and Dorte Skot-Hansen?s model of the functions of the local library and Will Kymlicka?s theory of the value of maintenance of minority cultures. The study is a qualitative user study. Deep interviews have been conducted with 9 persons with Finnish, Meänkieli or Sami as mother tongue.The results show that the main use of the library is as a cultural centre and the most frequently used service is borrowing of literature.