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 study aims to examine how professionals in the field of foster care works with recruitments, assessment and education of family homes for unaccompanied children. The intention is to find out in case there are specific needs that justify specific approach to ensure that the child's best interests are indicative and satisfied. The survey was conducted based on a qualitative method and empirical data gathered through semi-structured interviews with employees in the social services. The result shows that there is a need for more and specific education for families receiving unaccompanied children. It is motivated by the needs and conditions that are often common for this group.

The main purpose of this study was to translate Stuttering Severity Instrument 3 and to evaluate its reliability and validity. Five speech-language pathologists assessed 35 adults who stutter with this assessment tool. Overall the results showed a very high inter- and intrarater reliability. A highly significant correlation between Stuttering Severity Instrument 3 and ratings of severity, made by the speech-language pathologists, strengthen the validityof Stuttering Severity Instrument 3. No correlation was found between the total score of Stuttering Severity Instrument 3 and the self-report measure Overall Assessment of the Speaker's Experience of Stuttering, whichindicates a lack of social validity in Stuttering Severity Instrument 3.

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.

November 1, 2010 the audit requirement in Sweden for small and medium enterprises was abolished, after many years of discussion. This essay aims to examine the effects of the abolishment of the audit requirement on credit. The intention is to draw conclusions about how the possible negative effects of the abolishment of the audit requirement could be prevented.The study has been made using a qualitative method to get a clearer and broader explanation that leads to deeper understanding. It includes an interview with creditors from one of the largest banks whose position represents a large group of lenders. In addition to the lender, two auditors with years of experience have been interviewed.Analysis of collected data has shown that there are both advantages and disadvantages of abolished mandatory auditing.

This examination project focuses on the pupils and teachers experience of written assessments and grades.  To highlight the significance of assessments and grades we will present the background to the development of the current educational view of knowledge, assessment and marking models.  Today?s current laws and policies are described as is a proposal for a future law and grading scheme.The project is based on literature we have read and the empirical material is derived from interviews with eight students and two teachers. Four of the students are eleven years old, the other four are between seventeen and nineteen. The teachers teach years four and five. Each sex is equally represented.  The interview questions are based on the students memories and personal development discussions in which the written assessments were presented.

Introduction: The complexity of the neonates? way of expressing pain is a difficulttask for the pediatric nurse. The Swedish national guidelines for prevention and treatmentof pain in the newborn infant is suggesting that departments regularly use structuredmethods, such as pain assessment instrument, for the assessment of pain in the neonatalperiod. Previous research shows that pain assessment instruments are only used in abouthalf of all pain assessments in Sweden. Neonate's cannot verbally communicate their pain,and are therefore dependent on the pediatric nurse to acknowledge the pain.

The evaluation and assessment of a pupil?s knowledge is today an important part of a teachers work. The function of the evaluations for younger pupils (grades 1-3) has assumed a more prominent role in the school system due to the introduction of written assessments as well as national testing in grade 3. One of the purposes of this research has been to find out the teacher?s opinions of the written assessment in grade 3.

When a municipality is about to realize an IT investment, e.g. an economy system, theywill need to do procurement according to the laws of procurements. To perform suchprocurement takes time and energy from the everyday work at the municipalities, andtherefore they want to make a quick and efficient procurement. Unfortunately it showsthat municipalities do not always make an assessment that is sufficient enough for theirneeds, which can result in an inefficient system in a longer perspective. Municipalitiesthink more often about the hard values such as costs of the investments, and not alwaysas much when it comes to the soft values, like the user-friendliness.

The use of environmental management systems, and objectives-led corporate management have become a widespread phenomenon today. Identification and assessment of an organisation?s significant (environmental) aspects is crucial within this work. Identification and especially assessment of significant aspects is often considered as a problematic step in many organisations. There are no generally accepted methods how to undertake this crucial step.

Svenska banker har genomgått flera finanskriser som resulterat i olika konsekvenser, bland annat kreditförluster. Intresset för varför en del banker drabbades mer medan andra drabbades mindre påverkade valet av problemområde. Många studier har gjorts beträffande kreditbeslut vid nya krediter, dock verkade området kring kredituppföljningen, det sekundära kreditbeslutet, vara relativt outforskat. Förhoppningen var att kunna bidra med kunskap som dels kunde vara användbar för kreditgivare, genom att dra lärdom av bra exempel, och dels vara brukbar för låntagarna. En annan önskan var att ge inspiration till ytterligare studier i ett relativt outforskat område.

Aim: The purpose of the study was to investigate how the assessment and grading is designed and practiced in the practical courses of physical education at GIH - the Swedish School of Sport and Health Sciences, along with how it could affect newly graduated physical education teachers? ability to assess and grade students. The study was based on Habermas?s system and life-world theory.What view occurs concerning proficiencies, basis for assessment and marking among teachers who are responsible for examinations within physical education at GIH?How is the examination structured within physical education at GIH?How are skills and proficiencies among assessment and marking further mediated to students in the teacher education at GIH?Method: The case study was realized by performing qualitative interviews with a total of four teachers at physical education at GIH. Additionally, syllabi were text-analyzed to improve the validity of the study.Results: From the results we found that the teachers experience marking as a complicated assignment, where particularly the didactic ability but also the practical ability form a formative and summative assessment.

My aim is to find out about teachers? perceptions of methods concerning learning and assessment of oral proficiencies. My questions are: What perceptions are there among teachers concerning assessment of oral proficiencies? How do teachers describe their ways of promoting and assessing oral proficiency? In order to answer my questions and obtain data I have accomplished two focus groups interviews with seven language teachers. The result shows that teachers are concerned with several factors regarding assessment of oral proficiency.

Discussions started on how to handle liquidity problems crises in credit institutions and investment with the financial in 2008 as a research background. This led to the establishment of a new legislation regarding the current managing of liquidity risks which involves major changes in organizations. The changes will address the problems on how a successful implementation work could be completed and what is required of the organizations. Good communication is essential in order to have a successful changing process when everything an organization undergoes requires clear and ongoing communication.The purpose of this paper was to examine if Organization X application communications to the same extent as a deployment model shows. Organization X was the company we chose to investigate as they are one of many banks that are facing the upcoming change.Communication Concepts such as understanding, dialogue, discussion, open mindness, transparency and participation, have been key words during our work.