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2621 Uppsatser om Credit bank loan requirement evaluation - Sida 44 av 175
En jämförelse mellan linjära och traditionella bedömningssystem hos hästar
In Sweden the breeding organization for the Swedish Warmblood horse uses a traditional scoring system when evaluating horses. The horse is scored subjectively in relation to how good each trait is in relation to the breeding objective. Other countries, for example the Netherlands, instead use a linear scoring system. The linear scoring system evaluates the horse on a scale between two, for the breed, biological extremes which makes the evaluation more objective since the judges personal values does not influence as much. The breeding organization for the Swedish Warmblood is today planning a change towards a linear scoring system.
Decision making and the role of empathy in animal ethics committees (AECs)
Ethical evaluation of scientific studies carried out using animals is legally mandated in many countries and has been so in Sweden for over three decades. The animal ethics committees (AECs) responsible for the task have however been subjected to criticism; common critique being that the wrong issues are discussed and that the ethical evaluation is thus incomplete, that there is a lack of coherence across committees and that the committees are not as democratic as they might appear. This study investigates the view of Swedish AEC members on a number of issues in order to shed some light on the mandate and functioning of the committees, and on the grounds for ongoing criticism. In a survey and interviews AEC members and other persons connected to the committees gave their views on the AEC task in relation to their roles, the ethical evaluation per se and whether or not emotions such as empathy play any part in it. There were significant differences found between AEC member categories and several issues were encountered, many of which have been stressed in previous studies.
Evaluation and Comparison of Ecological Models Simulating Nitrogen Processes in Treatment Wetlands,Implemented in Modelica
Two ecological models of nitrogen processes in treatment wetlands have been evaluated and compared. These models have been implemented, simulated, and visualized in the Modelica language. The differences and similarities between the Modelica modeling environment used in this thesis and other environments or tools for ecological modeling have been evaluated. The modeling tools evaluated are PowerSim, Simile, Stella, the MathModelica Model Editor, and WEST. The evaluation and the analysis have been performed using McCall?s factors for software quality (McCall et al, 1977), a correlation analysis and the Constant Comparative Method (Glaser&Strauss, 1999).
Hållbarhetscertifiering av stadsdelar : En studie av BREEAM Communities praktiska tillämpning i svensk stadsbyggnad
In this diploma work the approach of determining the required amount of reinforcement in slabs exposed to pure tension is processed, on behalf of Ramböll Uppsala. It is a well-known problem in the industry that there are uncertainties in the determining of the amount of crack reinforcement, especially for structures exposed to pure tension. Cracking caused during the time of dehydration in concrete slabs is the most common defect according to statistics made by CBI[1], which provides numbers as high as 35 % of all the defects caused on slabs are generated by cracks. Comparisons between Sweden's former national standard BBK 04, Building Regulations for concrete structures due to restrained forces of shrinkage, and the current European standard Eurocode 2 are carried out through theoretical studies and concludes with several examples of calculations. Rigorous calculations of both standards, BBK 04 and Eurocode 2 with application of the national annex in Sweden and Denmark are performed.
Värdepapperisering i Sverige : Finns det en marknad?
As of today, securitization is an established product on the capital market. The first transaction was made in the US in the 1970s. Since then the product has been developed and today there are several different structures of the product. Internationally securitization has been used for two reasons. Originally securitization was used to gain capital relief, but since capital requirements such as Basel II were implemented, the usage of securitization changed to more of a funding source.
Coachande ledarskap : En utvärdering av genomförd ledarutveckling inom Borlängekommun
This is a thesis in Personal- och Arbetslivsprogrammet at Dalarna University with thepurpose of evaluating an education initiative in Borlänge kommun. The educationCoaching Leadership is an initiative for the managers in the organization to exercisegood leadership and the education also serves as an incentive for managers. Eightbusiness managers and one from the HR staff have completed the training. Out of thetotal 9 participants in the training, six of them took part in this evaluation. Based on thethesis aim and questions we wanted to explore participants' attitudes to the education,and what skills and abilities they have acquired on the basis of educational goals andcontent.
Analys av fastighetsbolagens möjlighet att klara en ny lågkonjunktur. : En kvantitativ studie av fastighetsbolag i Europa
The goal of this thesis was to explore how real estate investment companies are affected by a weaker world economy. The reason to investigate this was that in the 90s in Sweden, the housing market crashed in conjunction with the bank collapse. Therefore I have looked at how the commercial real estate companies would be affected if we were to have a double dip recession, because it has been confirmed by Gyourko that commercial real estate market and the housing market tend to react in the same way on new fundamental information. This was examined through a sensitivity analysis, one investigated the effect of falling rent income and the second analysis looked at the effect of higher interest costs. I found that IAS 40 rule about unrealized profits of properties affected the results in a significant matter and therefore decided to include the regulation in my thesis.
Kan banker skapa kundlojalitet med hjälp av brevutskick?
Idag karakteriseras den svenska bankmarknaden av hård konkurrens på en mättad marknad vilket gör det viktigt att ha behålla kunderna. För att lyckas med detta informerar bankerna kunderna kontinuerligt om nya och befintliga tjänster och produkter, oftast i brevform. Fler kunder gör fler affärer i dagens samhälle vilket leder till ytterligare brev till kunderna. Ovan resulterar i att bankerna överexponerar sina egna kunder med brev. Kunden upplever att den får för många brev och kan därmed tappa intresset för att läsa breven och kan därmed missa viktig information.
Samarbete på bolånemarknaden - Ett vinnade koncept?
Att en ma?klare samarbetar med en bank a?r idag mer regel a?n undantag. A?r 2011 tra?dde den nya fastighetsma?klarlagen i kraft som mo?jliggjorde fo?r ma?klare att fa? ersa?ttning fo?r fo?rmedlandet av bola?nekunder med villkoret att ersa?ttningen skall vara av en obetydlig summa. Vi har underso?kt ett samarbete mellan en bank och en bola?nefo?rmedling.
TaqMan® Sample-to-SNP Kit? : evaluation of kit for low-cost and fast preparing of DNA-samples before genotype analysis
Genotyping can be used to link genetic variation among individuals to certain diseases or conditions. Some known disorders and states that are dependent on single nucleotide polymorphism (SNPs) are lactose intolerance, venous thrombosis, hereditary hemochromatosis and the difference in sensibility among people to metabolise drugs.In this project a new kit, TaqManÒ Sample-to-SNP KitÔ for extraction of DNA and preparation of the extract for genotyping with real-time PCR and allelic discrimination, was evaluated. QIAamp® DNA Blood Biorobot® MDx Kit was used as the reference method.The purpose of the comparison was to find a method that makes DNA extraction from blood samples cheaper and faster, but with the same reliability as the reference procedure.The results of the evaluation showed a complete agreement of the genotype results between the methods tested, which means that the new method was as reliable as the reference method. The costs of reagents and material would be reduced with 52% if the new method is adopted, that alone would result in a cost reduction of 144 000SEK a year with a sample volume of 650 samples/month. The time for DNA extraction would also be reduced with the new procedure. .
It takes a new way to think to solve the problems we created by the old way to think ? Social welfare secretaries thoughts about family-placement on institution
The purpose with this essay is to take part of the process when a family is placed on the family-institution, Trollbacken. We want to know what makes the social welfare secretaries place a family in institutional care. Has Trollbacken lived up to the social welfare secretary expectations and are the social welfare secretaries following Trollbackens recommendation regarding the follow up treatment. We also want to know to what value the social welfare secretary assigns Trollbackens investigation and are they able to see changes in the family due to the placing on Trollbacken. The method is qualitative and is based on interviews from six social welfare secretaries that work around and in West Sweden.
Environmental, Social and Governance : Hot eller möjlighet för investerare
This study explores whether environmental, social and governance (ESG) issues affect the monetary value of a company.The samples used in this study have been taken from the Johannesburg Stock Exchange (JSE) in South Africa. Since 2010, JSE have been categorizing companies using the King Code III criteria to establish a Socially Responsible Investment index (SRI index). Companies that fulfill the required number of criteria are classified as 'best performers' using the SRI index. In this study the monetary value of a random sample of 'best performers' has been compared to the monetary value of a random sample of companies without an SRI index evaluation.This study found that companies without a SRI index have a higher unique risk, which means a lower stock price with a higher dividend yield. Companies with an SRI index evaluation have a lower unique risk, which means a higher stock price and lower dividend yield. In conclusion, this study shows that SRI adjusted companies have an enhanced monetary value in comparison to non- SRI adjusted companies..
Kundnöjdhet : Bankkunders uppfattning om lokala banker
Nya banker etablerar sig kontinuerligt i Sverige. Det är därför av stort intresse för etablerade banker att ha nöjda och lojala kunder för att klara av marknadens hårda konkurrens. Uppsatsen riktar sig mot banksektorn och undersöker bankkundernas åsikter kring vad kundnöjdhet är och vad de efterfrågar från bankerna för att vara nöjda och lojala.Genom en fokusgrupp har denna studie undersökt hur lokala bankkunder upplever bankerna utifrån ett kundnöjdhets- och lojalitetsperspektiv. Fokusgruppen bestod av sju deltagare som fick svara på frågor i en diskussionsform. Data från fokusgruppen ställs mot vald teori och sammanställs i en analys.Resultatet av uppsatsarbetet visar att kundnöjdhet hos bankkunder inte är resultatet av hur väl företag lyckas överträffa kundens förväntningar.
KBT-gruppbehandling av bipolär sjukdom : En pilotstudie
Bipolar disorder is a chronic affective disorder, characterized by episodes of mania and depression. Previous studies have shown beneficial results for CBT in conjunction with pharmacotherapy over pharmacological treatment alone. The aim of the present study was to evaluate a CBT treatment in group for patients with bipolar disorder, run by Norrlands universitetssjukhus. The treatment group consisted of pharmacologically stabilized patients (n=12) who received group CBT. They were compared to a control group (n=5) who received pharmacological treatment only.
Tjänsteföretags villkor och tillgångar : Bankernas värdering av intellektuellt kapital
Bakgrund och problem: Marknadsutvecklingen mot ett tja?nstesamha?lle medfo?r att medarbetarna idag har en mer betydande roll inom organisationer. Fo?retag har olika behov av resurser, da?remot a?r brist pa? finansiering ett hinder fo?r tillva?xt. Litteraturen illustrerar en problematik i bankernas kreditbedo?mningsprocess av dagens alltmer immateriella fo?retag, da? flertalet tillga?ngar utela?mnas i den traditionella redovisningen.