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1674 Uppsatser om Credit decision - Sida 18 av 112
Kampen för ökad tillgänglighet : - om enskilda aktörer, policynätverk och förhandlingsarenor i utarbetandet av EU:s bussdirektiv
The Motor Group of the European Council was commissioned in the autumn of 1997 to prepare a proposal for a new European Bus and Coach Directive. In the beginning, most of the Member States did not have the accessibility requirements as their main concern; still a smaller network with actors from the National delegations from Britain, Germany and Sweden would influence the other National delegations in the Council group to finally agree to retain the requirement of accessibility of the Directive. Within the EU decision process, the European Disability movement acted as a strong player during the whole negotiation process using the proposal to a new Bus and Coach Directive as a tool to influence key actors to go towards a Directive with a strong approach for accessibility.Policy Transfer and Policy Transfer Network are used as analytical tools to understand and structure the transfer of the question of accessibility during the negotiation process. Actors understanding how the bureaucratic process works within the EU decision system have a chance to contributing for the changes in the directions they wishes for within a range of policy areas. The principal aim of the Directive was to guarantee the safety of passengers and to provide technical prescription in particular to wheelchair users.
En Samhällsekonomiskt utvärdering av Uddevalla kommuns satsning på handelscentret Östra torp
There is an irregularity in the interregional migration in Sweden. An increasing proportion ofthe population is drawn to the metropolitan areas, which creates problems for the smallermunicipalities and towns when their population declines. At the same time, our whole societyis faced with a great challenge: we need to redirect towards a sustainable development, wherethe environmental issues are discussed and dealt with to secure that all present and futuregenerations are given equal opportunities to live a good life.The aim of this study is to, focusing mainly on the environmental dimension of thesustainability concept, examine the attractivity of housing with sustainability claims. Toanswer this, three research questions were used:? Was the migration motive to reduce their environmental impact a part of the decision tomove, among migrants who had moved to housing with sustainability claims?? If the motive was a part of the decision, how much impact did it have compared to othermigration motives?? Which factors in housing aiming at sustainability are considered important by peopleliving in housing with sustainability claims?The research questions have been answered using quantitative data, gained in the form of selfadministeredquestionnaires which were distributed in four different residential areas withsustainability claims in the county of Västra Götaland, Sweden.
Kan geografiska informationssystem effektivisera skapandet av beslutsunderlag?
Villkoren i dagens samhälle förändras snabbt och miljön som beslutsfattare måste hantera blir allt mer komplex, detta samtidigt som tiden för att fatta beslut krymper. För att beslutsfattare ska klara detta kan de ta hjälp av verktyg. Vi har undersökt om geografiska informationssystem (GIS) är ett verktyg som effektiviserar framtagandet av ett beslutsunderlag när problemet är geografiskt relaterat. Undersökningen har genomförts som en fallstudie på fyra olika organisationer där vi jämfört processen vid skapandet av ett beslutsunderlag före och efter införandet av GIS i organisationen. Slutsatsen vi drar av vår undersökning är att geografiska informationssystem effektiviserar framtagandet av beslutsunderlag när problemet är geografiskt relaterat..
Analys av turkisk utrikespolitik-Beslutsfattande och konsekvenser till följd av den kurdiska frågan
This thesis aims to describe and characterise the impact of the Kurdish question for Turkey's decision-making process and foreign relations from the 1980's until today. The Kurdish question as perceived by Ankara, is separatist, and poses a security threat to the entire country but has also international dimensions, which are responded with foreign policy actions by Turkey. Initially, a systemic view is considered in order to investigate Turkey's position in this issue in a global perspective. Moreover, this is completed with an ?Internal Politics Perspective?(Joe D Hagan), which gives a deeper understanding of the actual structures and actors in Turkish domestic policy that shape the foreign policy.
ABB Gate Model : En processledningsmetod för ABB:s produktutveckling
Organisations tend to focus more and more on product and process development to increase their competitiveness. Several major organisations, among them ABB, have developed models aimed to more effectively control and manage product development processes. ABB is using its standardised model ABB Gate Model for this. The purpose of this thesis is to analyze how the introduction of ABB Gate Model has affected the outcome of decisions and also the decision-making in the product development process. The study is limited to elucidate the version of ABB Gate Model handling product development projects.
Basel II och fastighetsbranschen - en scenariostudie av de nya kapitaltäckningsreglernas konsekvenser för fastighetsbranschen
Banks carry a great responsibility when it comes to the financial systems in our society. Disturbance in the credit system affects both lender and borrower. All financial institutions must therefore carefully estimate their risk exposure. This assessment enables them to cover themselves from losses with appropriate capital buffers as main guardian. In order to prevent bank crises and also to maintain financial stability in general, new regulations concerning analysis and preventive actions were introduced on the 1st of February 2007.
Mikroföretags kreditpreferenser beroende på bransch och företagsstorlek : periodiseringsfonder kontra externa lån
Det här är en kvantitativ studie av hur kreditpreferenser hos mikrobolag med en årsomsättning om mindre än 10 miljoner SEK beror av branschtillhörighet och företagsstorlek. Mikrobolag är små bolag med mindre än 10 personer anställda och en årsomsättning på mindre än 2 miljoner euro. Det teoretiska ramverket utgår från asymmetrisk informationsteori och mer specifikt från pecking order theory, POT samt trade off-teorin. Kreditpreferenserna mäts genom två olika parametrar, dels genom mikrobolagens avsättning till periodiseringsfonder vilket kan ses som ett mellanting mellan extern och intern finansiering, dels genom förekomsten av externa lån från kreditinstitut. Branscherna som undersöks är tillverkning samt tjänster vilka anses skilja sig åt vad gäller kreditpreferenser.
Hur fattas specifika utrikespolitiska beslut? : Externa hot och idéer i Clintons och Bushs Irakpolitik
The aim of this paper is to try to explain how specific, foreign policy decisions are made, and why one state decides to use violence against another state. A qualitative method is used, and text and documents are analysed. The two theoretical points of departure are central within foreign policy analysis: realism´s theories on external threats and constructivism´s theories on ideas´ policy influence. The empirical case chosen is the US decision to use military violence against Iraq. The paper investigates whether the real threat from Saddam Hussein´s Iraq was the cause of the American military attacks, or whether the ideas of leading politicians in the USA were decisive for the decision to invade the country.
Strategisk Gender-Swapping: En kvantitativ studie av hur motståndarens kön påverkar beslutsfattande i Texas Holdem
Abstract: According to previous research, it is not unusual for online poker players to create profiles which indicate they are members of the opposite sex. This phenomenon, known as 'Gender Swapping', is partly being utilized in a strategic fashion. The purpose of this thesis is to evaluate whether or not the gender of an opponent has an impact on decision-making in an online poker environment. An experiment was constructed where subjects made 15 poker-related decisions against seven randomly generated opponents, consisting of three male, three female and one genderless opponent. The results indicate no significant differences in decisions against male and female opponents.
I andra hand en studie av attraktiviteten hos boenden med hållbarhetsanspråk
There is an irregularity in the interregional migration in Sweden. An increasing proportion ofthe population is drawn to the metropolitan areas, which creates problems for the smallermunicipalities and towns when their population declines. At the same time, our whole societyis faced with a great challenge: we need to redirect towards a sustainable development, wherethe environmental issues are discussed and dealt with to secure that all present and futuregenerations are given equal opportunities to live a good life.The aim of this study is to, focusing mainly on the environmental dimension of thesustainability concept, examine the attractivity of housing with sustainability claims. Toanswer this, three research questions were used:? Was the migration motive to reduce their environmental impact a part of the decision tomove, among migrants who had moved to housing with sustainability claims?? If the motive was a part of the decision, how much impact did it have compared to othermigration motives?? Which factors in housing aiming at sustainability are considered important by peopleliving in housing with sustainability claims?The research questions have been answered using quantitative data, gained in the form of selfadministeredquestionnaires which were distributed in four different residential areas withsustainability claims in the county of Västra Götaland, Sweden.
En avdemokratisering av förvaltningen? : - En analys av socialförsäkringsnämndernas avveckling och dess effekter
Swedish public administration has for the last few decades undergone reforms aimed at making it more efficient. A substantial part of these reforms have concerned creating clearer roles for politicians versus officials in the public sector, i.e. giving politicians a responsibility for setting goals and steering activities and public officials the role of implementing them.This study aims to examine one reform following this path that is under implementation in a Swedish public authority; Försäkringskassan, the Social Insurance Agency. The purpose of the reform is to increase the organization?s effectiveness and the rule of law.
Mer kreativitet med fler patent? En textanalys av förslaget till nytt EU-direktiv Patenterbarhet för datorrelaterade uppfinningar och anslutande dokument.
In February 2002 the European commission put forward a proposal for a new directive on The patentability of computer-implemented inventions, but which during my work on this essay has not been decided on yet. The directive has divided the decision-makers in the union, the commission and parliament, into two different positions regarding by which range computer-implemented inventions should be patentable. The parliament has amended the commissions proposal in a substantial way and the legal process has caused a heated debate both within the unions administration and among various interest groups both in favour of and against a patent on computer-implemented inventions. The loudest protests have come from a group that feels threatened by a possible software patent: Open Source. In this study I examine both the arguments by the decision-makers and by the lobbying for and against the proposal.
Utveckling av handtag till spolarvätska
Title Becoming involved in the planning process - from the construction workers perspective.University/Institution Halmstad UniversityKeywordsEmpowerment through participation, construction workers involvement in decision making in the planning process, knowledge management and communication in the planning process, partnering, human resource managementAimThe aim of this bachelor thesis is to provide knowledge and examine how construction workers perceive involvement in the planning process of partnering projects, what they can contribute and what they get out of the planning process.Methodology The study was conducted with a qualitative approach in the form of semi-structured interviews. The interview studie consist of 10 interviews with construction workers who are specially educated in participating in the planning process at the company ByggDialog AB.ConclusionAll respondents are positive to be involved in the planning process. The main advantages they can see is that they are able to influence technical solutions and methods that will be used later on in the production. Therefore it is important to consider when construction workers should be involved in the planning process so that they get the chance to influence in this decisions.When it comes to the decision making the construction workers should be involved in the decisions that are related to their tasks in the production such as technical solutions, choice of methods and materials. Their main duties and working hours should be in the production.Involvement in planning does not automatically mean that the construction workers are involved in the decision making, it is up to them how much they participate.
En Elektrisk Kris : En studie om en kommun och dess lokala aktörers krisförberedelser vid ett omfattande elavbrott
Title: The mortgage limitation and its impact on the mortgage marketLevel: Final assignment for Bachelor Degree in Business AdministrationAuthor: Mattias Arnkvist and Magnus Vitasp PerssonSupervisor: Lars SteinerDate: 2011 ? MayAim: We have conducted this report to find out what effect the mortgage limitation has had on the mortgage market since its introduction in autumn 2010. The mortgage limitation has both before and after the introduction been a topic of discussion as it affects many and above all makes it diffucult for certain customer groups.Method: This report was written by a qualitative method. The report uses qualitative and quantitative data. The quantitative data we have in the report are printed literature in books, articles and journals as well as data taken from Internet.
Information till mjölkföretaget : vilken information behövs och hur bör den utformas när gården ska ta investeringsbeslut?
The fast developments in information and data technology during the recent years have accentuated the need for the business manager to interpret and act on information from the surrounding environment. Today we know little about what information is really used in the unique decision-making. Further, little is known about how information should be designed to fit people with a more intuitive approach to interpreting information. This study is therefore about the difference between peoples approach to interpreting information and how information should be designed to fit those with a more intuitive approach to interpreting information. The application is made to dairy farms in Sweden.
The literature review describes the strategic leadership, the decision-making process and the intuitive and the analytic thinking.