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259 Uppsatser om Credit Scoring - Sida 11 av 18

"Det var synd att Süleyman Efendi måste dö" : En introduktion till den turkiska litteraturhistorien och presentation av Orhan Veli Kanik

The paper directs to introduce the turkish literary tradition to an fairly unknown european audience, as well as to present a turkish poet called Orhan Veli. Since there is hardly any literature written within this subject in either swedish or english I have come to the conclusion that the europeans have not yet been subjected to a discussion of this nature. For this reason my main task has been to gather and compose all that has already been written within this matter. I have chosen not to dig deep into such an unexploared subject, but rather offer different types of entries with which further research can be pursued and built upon.The early literature in Turkey consisted mostly of imitations of the well established arabic- and persian traditions. Because of that the turkisk modernism came, in comparison to the rest of Europe, relatively late.

Ergonomisk utvärdering av NAFC- linorna: Med konceptförslag och genomförda delåtgärder

This paper presents the result of a master thesis project at 30 Hp, master of industrial engineering at Luleå University of Technology. The project was performed during 20 weeks, spring 2014, in collaboration with ABB Control Products in Västerås. The aim of the project was to evaluate two half-automated assembly lines for a new generation of contactors, the NAFC assembly lines (New AF Conductor). The aim and purpose of the project was achieved by answering the following questions:? How are the ergonomic working conditions at the NAFC assembly lines during spring 2014?? Which areas at NAFC assembly lines can be improved for the work environment?? How can the ergonomic work conditions improve at the NAFC assembly lines?Literature reviews were performed from earlier research papers and articles of the ergonomic, musculoskeletal and work environment subject, from where a number of chosen methods and tools were used to perform the ergonomic evaluation.

Årets gränsbelopp : Vem kan betraktas som ägare vid årets ingång

Being able to know how use the rules about how taxes works, allows a shareholder with qualified holding in a closely held company, to pay less taxes. When the owner of the share makes an agreement, which the ownership rights transfers later than the actual date for when legal contract is written. The question is therefore who can consider being the new owner at the beginning of the year and taking part of the benefits. Do the ownership rights transfer on the contract date or the date of access?When a buyer purchase a share during the year, he may not partake of any threshold amount, then the expected time is for those who are owners at the beginning of the year.

Säkerhetsanalys av brandbekämpning i kritiska utrymmen på Forsmark 1

In order to maintain a high safety level at a nuclear power plant it is important not only to measure the reliability of the components and systems of the plant, but also to investigate how the plant responds to human actions. One of the most hazardous situations in managing a power plant is fire occurring in critical areas. This study concerns the prospect of the local fire brigade to suppress a fire that has started in one of the most critical rooms for maintaining high reactor safety. The model created gives an indication on the possibilities of succeeding in suppressing a fire. In order to get a more reliable fire fighting the following advice are given:- Let the fire brigade go rounds in the plant together with the personnel, during which recommended fire suppressing methods are determined to avoid long preparation time in an actual situation.- Prepare rooms with two subsystems to make them partly with no voltage.- Give the fire brigade better feedback from actual events on nuclear power plants.- Education and training in suppressing fires in electrical equipment.The probabilistic safety assessment strives to be as realistic as possible.

"Rätt man på rätt plats" - men hur väljer man rätt?

The aim of this thesis is to investigate which the main determinants of capital structure in Swedish listed firms are and to identify which incentives lies behind managers choice of capital structure determinants. Further, the study investigates whether the Post Keynesian theory and theories which incorporate behavioral aspects can be used to explain the capital structure decisions or if the traditional Neoclassical theory give an better explanation. We have used a qualitative method to analyze the determinants of capital structure and the managers incentives behind capital structure decision. We conducted a survey which was sent to 83 Chief Financial Managers and financial executives in Swedish firms listed on Mid Cap or Large Cap. The questionnaire was on-line which enabled for the respondents to quickly and convenient respond.

Att identifiera signaler för obestånd i tid

To be able to protect themselves from credit risk, the banks must constantly check the performance of  the companies they have lent money to. There are many mathematical models for predicting financial distress. These models use accounting-based ratios, which often are historical and not representative for the present situation. This study describes how the banks do in practice to find signals of insolvency in time and the variables they are observing for doing that.In addition to financial reports which the company sends in to the bank at least once a year, also the relationship between them and information from different information  agencies are of great importance to track  signals of insolvency. Poor profitability is the primary cause of insolvency.

Sverige under andra Världskriget : En uppsats om neo-realism och neutralitet

Abstract   The actions of Sweden during the second world war has been richly discussed over the years. Sweden declared itself neutral in the war between the great powers but did not manage to maintain its neutrality. The nature of neutrality has often been discussed; whether it is of a idealistic or more pragmatic nature. Realism, a theory of international relations, would argue that it is of a more pragmatic nature, hence these two are in opposition. Realism also takes credit in claiming to explain how and why a state chooses to act in a situation. The aim of this essay was to, by examining specific decisions made by the swedish government during the Second World War, come to a conclusion whether or not Sweden?s proclaimed neutrality was of idealistic or pragmatic nature, and thereby possibly coming to a conclusion about neutrality in large.It was also to examine the worth of realism as an explanatory theory by applying it to this specific case; to examine its validity.The study was conducted using a qualitative method; presenting empiric facts and then by using a decision model interpreting the actions and results from a realist perspective. The study concludes that realism has explanatory power, although not a complete one.

Har probiotikabehandling effekt p? symptom vid atopisk dermatit? En systematisk ?versikt ?ver det vetenskapliga underlaget bland barn och ungdomar.

Syfte: Syftet med denna systematiska litteratur?versikt var att unders?ka om intaget av probiotika minskar symptomen vid diagnostiserad atopisk dermatit (AD) m?tt med SCORing Atopic Dermatitis (SCORAD), hos individer sex m?nader till 19 ?r. Metod: Litteraturs?kningen genomf?rdes i databaserna PubMed och Scopus. S?kningen genomf?rdes som en avancerad s?kning med fyra s?kblock. Block ett riktades mot populationen, block tv? mot AD och block tre mot probiotika.

Kredithantering ? Rådgivares syn på riskhantering vid bostadslån

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.

Ickelinjär kurspåverkan vid kreditbetygsändring

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.

The Rationale Behind Capital Structure Decisions: Does Theory Explain Practice?

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.

EN VÄG BORT FRÅN SOCIAL EXKLUDERING? - Fyra deltagares upplevelser av ett holistiskt projekt

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.

All the Web, Alta Vista och Google: en effektivitetsstudie av tre söktjänster på webben.

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.

Risk för bostadsägare - en analys av risken vid förändringar av ränta och elpris

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.

A Business Perspective on Reducing the Climate Impact from Tetra Paks Transportations of Goods

Title: A Business Perspective on Reducing the Climate Impact from Tetra Paks Transportations of Goods. Authors: Pär BerglundSebastian Lyngström Supervisors: Lars J Nilsson, Environmental and Energy Systems, Lund UniversityNils Månsson, Department of Business Administration, Lund University Problem Analysis: Increased awareness concerning climate change will put pressure on companies to reduce their climate impact. Problems arise when trying to reduce the impact from transportations due to companies? limited control on forwarding agents and difficulties measuring the emissions. Purpose: From a business perspective, this report will enable a reduction of the climate impact that arises from Tetra Paks transportation of goods.

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