The last years? financial situation has contributed to an increased willingness from the banks to handle risks. The most important risk to cope with is a risk that is related to a customer?s ability to repay loans. Forecasts indicate that in the future, Swedish farmers will be facing profitability challenges, which points to a need to reconsider the banks procedures considering risk management in credit granting for agricultural businesses.Today?s risk management will be given two complements in this study.

Account receivables tie up large amounts of capital in. Various reports show that the actual time for customer to pay their invoices is getting longer. This is a problem both from a society and a business economic perspective. The purpose of the essay is to find out if Swedish companies have longer credit days than normal contractual terms of payment and if so, can the business cycle or the geographical distribution of sales have an impact and does it make a difference if the companies have an active monitoring of the actual customer credit days. To answer this, we studied 12 listed companies in four different sectors between the years 2000-2008. In the analysis, we reason about the results of the study and how the various factors may have influenced the outcome.

The aim of this study was to examine the students' perspectives on formative assessment, partly about how students perceived the assessment in general, partly about what students' opinions were on formative assessment, and partly about students' view of how assessment could be organized to stimulate learning process.  The study consisted of qualitative interviews with six students in grades one in an upper secondary school.The survey showed that students primarily perceived assessment with summative purpose: tests and scores.  Majority of the students experienced that there were too many tests occasions.  Those high-performing students were positive to tests.  However, those lower-performing students felt more negative and became more stressful with the exams.Results showed that they were lack of experience of formative assessment.  All the six students thought that they had not got any chance to involve in the assessments process.  They realized that they had not got adequate feedback about their learning-situations.  With regard to students' wishes about how assessment could be developed in order to improve their learning, it was mainly about more and concrete feedback on tests and assignments.Two models were developed in the final discussion, which showed the author's own perception of formative and summative assessments..

This study examines assessment and how the teaching staff at one school reason around equivalent assessment. More specifically, it aims at studying what obstacles and possibilities the teachers identify to achieve this. Furthermore, the study wishes to gain insight about the current state of the equivalent assessment within the examined teaching staff. The study is based on five semi-structured interviews as well as previous research on the subject matter. To deepen the understanding and highlight case problems that surround assessment, the participating teachers also assess an authentic essay.

The title of this thesis is ?The preconditions of the acquisition guarantee- hard to design working political reforms?. The acquisition guarantee (förvärvsgaranti) is a form of credit guarantee issued by the Swedish government to credit institutes that give out housing loans to debtors with poor credit history. The reform hasn´t been used in any substantial extent.The purpose of the study is to investigate whether you could identify any problems with the preconditions that the governmental agency BKN was given to implement the acquisition guarantee, and if so describe which these problems are.Two questions are answered:1.      What preconditions for a working implementation of the guarantee, in the form of rules, objectives and directives was offered by the government in their steering of BKN?2.      How did the structural preconditions for a working implementation of the guarantee look like?By doing a text analysis of central documents I find that the lack of outcome could to some extent be related to weaknesses in how the reform was formulated.

The aim of this study was to investigate what formative assessment means and get information about how teachers? assessment practice in formative assessment can look like, based on five key strategies. I have observed five teachers in grade 4 to 6 during a week of their mathematics teaching. Formative assessment is assessment for learning and has the purpose to support students? knowledge development.

Issues related to knowledge assessment and its consequences for both the individual and the entire school system are topical in today's school debate. The mere fact that didactic issues that focus on assessment are discussed actively not only in scholastic environments but even in media and other communities is further proof that knowledge assessment is an important and complex phenomenon in our lives.The subject that I have chosen to look into is about how the work with assessment issues is handled in Swedish as well as Russian elementary school's early years. The goal with this study is to see how my studies have been conducted with a qualitative approach by which I collected qualitative information in the form of documents, papers and interviews. To make the approach even more appropriate for my area of research, I have chosen to merge two qualitative research methods. The first is a qualitative content analysis which analyses the governing documents.

The aim of this study is to investigate how mathematics teachers use formative assessment to make the course objectives clear to the student. This is part of a wider aim in Sweden to find ways for improving mathematics teaching. Qualitative semi-structrured interviews and observations were used for collecting data. Different approaches to integrate formative assessment in their classrooms is discussed: questioning, discussions in whole-class, group work and assessment and feedback. The analysis of the results indicated that the teachers thought differently about how to integrate the course objectives in their planning.

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.

In the current situation there is not much written about assessment of laboratory work, and the majority of the working physics teachers are retiring and there are only a few newly qualified physics teachers. The purpose of this thesis is to examine how physics teachers assess laboratory work within upper secondary schools, with Gy2011 in mind. The new grade system, Gy2011, has a larger focus on the laboratory work then the earlier system Lpf 94. Skolverket has in their man-ual with examples of assessment two different sorts of laboratory experiments. The first assess-ment is regarding the planning of a laboratory work and the other about how able the pupil exe-cutes laboratory work.

Background: Patients postoperative pain is often underestimated. Untreated or undertreated pain decreases the chance of optimal recovery after surgery. Pain assessment is an important factor of efficient pain relief. Aim: The aim of the literature study was to describe factors of importance for nurses´ assessment of postoperative pain in patients. Method: A literature study was done where qualitative and one quantitative article was reviewed.

När ditt företag söker ett lån undersöker banktjänstemannen företagets framtida förmåga att betala räntor och amorteringar på ditt lån, dvs. återbetalningsförmågan. För att avgöra företagets återbetalningsförmåga görs en kreditbedömning vilken grundar sig på hård och mjuk information. Uppsatsens syfte är att undersöka om våra tre erfarenhetsvariabler: antal år som kreditbedömare, tidigare erfarenhet av företagande och formell utbildning påverkar informationshanteringen under bedömningsprocessen vid kreditgivning till svenska företag. Vi har valt en kvantitativ ansats för att bättre kunna förklara skillnaderna och försöka generalisera.

För att undersöka interbedömarreliabiliteten i Emotional Interaction Style ? assessment (EIS ? assessment), vid bedömningar av Marschak Interaction Method (MIM), har tre inspelade MIM filmer skattats av sju bedömare. Reliabiliteten beräknades med intraklasskorrelationskoefficient (ICC). I bakgrunden har en teoretisk genomgång gjorts av aktuell forskning gällande barns utveckling och samspel mellan barn och föräldrar. Vidare har bakgrunden till MIM och EIS-assessment redovisats.

This paper studies how peer assessment is used as a strategy to improve young learners' results in Swedish as a school subject. Nine teachers are interviewed about their use of the method on 7-12-year-old pupils. Comparisons are made between the interviews and Swedish and international discussion on peer assessment. There are similarities between the practice of the teachers and what is said in the litterature about the method and its advantages and drawbacks. The teachers tend to emphasize the social aspects more, though.

The purpose of my independent work was to develop and test a task-specific assessment matrix to the students writing logs that occurs in connection with their APL (workplace-based learning). The matrix is based on upper secondary school subject plan House building from The Swedish National Agency for Education and the four courses House building process, House building 1, House building 2 and House building 3 - conversion. Due to the matrix structure, I used the example matrix of Malmö University. The task-specific assessment must both serve as a guide for students in the implementation of the log writing, and in the evaluation of the assessment work. Both students and teachers then get a common assessment tool for evaluation.