Background: Fall injuries are a costly problem for society, with costs ranging up to 14 billion a year. In addition to economic loss accidental falls also creates human value losses and reduced quality of life for its victims. In order to prevent the occurrence of injury related to accidental falls healthcare providers utilize various scientifically developed risk assessment tools, one of them being Downton Fall Risk Index. Method: Empirical, quantitative cross-sectional study. Objective: The purpose of the extended essay was to describe the categories in Downton Fall Risk Index that have a bearing on patients' risk of falling while in hospital and in municipal care, and to illustrate how nurses can use the fall risk assessment tool.

This paper studies the option market?s implied dividend as a predictor of future equity market returns. We introduce this variable in the simple total return framework and discuss some complications of using it as a proxy for the expected dividend. We construct some regressions using the price-dividend ratio and the implied dividend growth, and test them on six years worth of data on the EURO STOXX 50-index. The main result is that implied dividend growth exhibits some forecastability over two-year horizons, but that the dataset is too short to draw any definitive conclusions about long-horizon forecastability.

Under våren 2008 utförde jag mitt examensarbete på Utvecklingsverkstaden, inom Volvo Construction Equipment i Eskilstuna. Uppdraget bestod i att presentera förslag på ett skyltsystem som skulle vara modernt, professionellt utformat och ha ett enhetligt utseende. Den befintliga skyltparken var kraftigt eftersatt och föråldrad.  Syftet formulerades till att utforma förslag på ett tydligt skyltsystem som skulle representera aktuell avdelning och dess verksamhet. Syftet innefattade även att ta fram övergripande riktlinjer om placering, för varje kategori av skyltar.

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.

This study investigates whether the site index curve method (SICM) and the growth intercept method (GIM) can be used for site index predictions in younger Norway spruce (Picea abies (L.) Karst.) stands than recommended by current guidelines. For SICM it was thus investigated whether the method could be used for stands younger than ten years, and for GIM it was tested whether a starting point for the intercept measurements could be used below the recommended 2.5 meter. This was tested based on measurements taken from experimental stands in Tönnersjöheden Research Forest. For GIM it was found that the method can only be used when the TH-trees of a stand have five complete intercepts above 2.5 meters. For the method to be applicable beyond this, it will be necessary to adapt the underlying equations, perhaps following the Canadian example where a 1.3 meter intercept start is used. In conclusion it is not currently possible to apply the approach beyond the current recommendations. For SICM, SI predictions are accurate for the study area already form year three.

Idag berör fondsparandet alla svenskar. Exklusive ppm äger sju av tio svenskar andelar i någon fond och under fjärde kvartalet 2009 uppgick det totala fondsparandet till 1393 miljarder kronor. En majoritet av detta kapital är investerade i aktivt förvaltade fonder. Målet för aktivt förvaltade fonder är att slå index och genom detta ge en bättre avkastning än passivt förvaltade indexfonder.Media har under senaste tiden börjat ifrågasätta om de aktivt förvaltade fonderna kan slå index. Men redan tidigare, faktiskt så tidigt som 1960 talet har forskarvärlden påstått att det inte går att slå index under en längre period genom aktiv förvaltning.

The main objective of this paper has been to construct a way to measure the level of social capital in a society. Based on a theory which describes the ideal society have I herein tried to find out to what extent the Swedish and Danish communities correspond to this model. The theoretical foundation consist of several different levels of analysis, and I have indeed found there to be consideral differences between the two nations on these different levels. The paper however conclude that these differences even out to add up to a Social Capital Index that is remarkably similar. A result which is to be interpreted as one nation being about as close to the ideal situation from a social capital point-of-view as the other..

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.

This thesis aims to open the Pandora?s Box of hedge fund styles through an index-based style analysis. This information asymmetry is due to both less strict disclosure requirements and inherent nature of hedge funds. We employ a multiple unconditional linear regression model wherein 23 Swedish hedge funds are regressed on 10 style indices. In addition to the increased interest in hedge funds and their performance drivers, our unique approach with regressing return on return motivates this study.

This study examines the effects of credit risk and information disclosure in the new bank regulating system Basel II on bank and bank customer. The effects are then discussed in a perspective of the economic man and information asymmetric theories. Furthermore is the Basel II effects on the capital adequacy of Andelsbanken för Åland examined.The approach of the study is qualitative and several interviews with individuals on different levels of the examined bank, Andelsbanken för Åland, have been carried out during the collecting of empirical facts about the effects of the regulating change from the Basel I system to Basel II.The research findings are as follows:Andelsbanken för Åland have increased its capital adequacy ratio from 12,7 percent to 14,4 percent, mostly due to lower risk weights on housing mortgages compared to Basel I. Andelsbanken för Åland have started to use a completely new credit risk and customer assessment system which classifies every customer and gives them a credit rating. The system cause a much heavier information gathering of the customers profile as well as a much better assessment of risk than the previous system, which the bank finds positive.

All companies face risk in their daily business. Internationalised companies tend to experience higher risk due to for example unfamiliar business environment than companies that act only on the national market. Estonia became independent as late as in 1991 and is therefore a new interesting market for many companies in neighbouring countries like Sweden. Risks that are most apparent for an internationalised company are political risk, currency risk, capital and interest rate risk, business risk and credit risk. Our intention of this study was to find out how Swedish companies acting on the Estonian market faced the different risks when entering the Estonian market and how they value the risks today.

The purpose of this study was to analyze the two thinning models: Bergvik Skog´s thinning model, which is based on total stems and dominant height, And Swedish forest agency´s thinning model which is based on basal area, habitat index, dominant height and recommended number of stems at final felling in Heureka´s StandWise and PlanWise. The data we chosen for our study were taken from the Swedish National Forest Inventory and we were creating a simulated stand based on a great number of sample plots in Region three from The Swedish National Forest Inventory. We had chosen to create one stand with low habitat index (T20) and one with high habitat index (T24). Our purpose were to come as close as possible to a natural stand in central Sweden. We performed the thinning in StandWise and analyzed the data I Excel files. Our thinning optimizing´s were performed and analyzed in PlanWise. There wasn´t any big differences between the thinning on the lower habitat index.

The depth-to-water-index (DTW-index) is derived from digital elevation models (DEM) to map soil wetness, in terms of distance from soil surface to the ground water table. The aim of this GIS based study was to investigate the existence of a relationship between DTW-index and forest site productivity (SP). The belief of such an assumed relationship was based on knowledge that the ground water level is related to site properties that can either promote or impede tree growth. Data primarily comprised rasters of the Krycklan catchment in northern Sweden and depicted DTW-index and a laser scanned vegetation height. The 100th height percentile of each pixel in the vegetation raster was assumed to mirror the top-height, letting it act as a relative measure of SP within a delineated area of equal stand age.

Today you can pay in many different ways. You can for instance use cash, credit cards, internet and now even with your mobile phone. Today we can also see new types of technical payment solutions being developed, such as Near Field Communication (NFC), mobile banking or through the use of QR-codes. We have today many different payment methods; therefore it?s interesting to see which payment method people prefer the most.

Bachelor thesis in business administration with emphasis in accounting and auditing. Spring term 2011, Mälardalens Högskola.Authors:Jim Hansson, Filip Sahl and Pererik Sewerin.Advisor:Lennart Bogg.Key words:Abolition of mandatory auditing, optional audit, auditor, audit.Title:The role of audit in a credit review - impact from the creditor's perspectiveBackground:As of November 1st2010, auditing became optional for micro companies in Sweden. This leads to an opportunity for about 70 % of the joint-stock companies to choose whether or not to keep their auditors. Creditors are affected by this as they may receive a less trustworthy base to make a good credit review if many companies choose to proceed their accountings without the control of an auditor. Creditors have the option to require that companies are to be reviewed by auditors, while authorized accounting consultants may be a possible substitute as a quality control for the accountings.Purpose:The purpose of this thesis is to examine what impact optional audit has had in credit processes so far and look into alternative forms of reviews for businesses.Problem definition:? Does auditing simplify for the creditors in a credit review? ? Is there some kind of accounting that could be a substitute for the audit?Method:The study is qualitative in character through six interviews.