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1674 Uppsatser om Credit decision - Sida 25 av 112

Odlingsstrategier på organogena jordar : en studie om beslutsfattande bland KRAV-anslutna lantbrukare

This study examines how farmers certified by KRAV face proposed regulations on organic soils put forward by KRAV economic association among others, and how they are affected economically. These soils are, from an environmental perspective, interesting as a target for production regulations as they cause greenhouse gas emissions through decomposition of organic material when cultivated. The regulations advocate that organic soils should be grown with pasture where soil cultivation is only allowed every fith year which implies that possible adjustments of cultivation have to be made in order to fulfill the regualtions. Collection of data have been made through a questionnaire sent out to 574 farmers certified by KRAV. The answers have been analysed using a decision making model and statistical findings suggest that proportion of organic soils, type of production, economic conditions and farmers? goals and values have an influence on whether the regulations and potential cultivation adjustments have been considered or not.

Villa Furulid : gamla anor möter dagens behov

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.

Hur hanterar ambulanspersonal ett hotfullt beteende vid utryckning

Varje gång ambulanspersonalen åker på ett larm finns risk för att de ska råka ut för personer som kan bli hotfulla eller våldsamma. Det behöver nödvändigtvis inte vara patienten som är hotfull, utan det kan lika gärna vara någon annan i omgivningen. Syftet med detta examensarbete var att undersöka hur ambulanspersonalen kan bedöma att ett hotfullt beteende föreligger och vilka beslut de därefter tar om hur de ska agera. En kvalitativ undersökning gjordes med hjälp av halvstrukturerade intervjuer där frågeställningarna var: Har ambulanspersonalen utbildning och kunskap för att bedöma vad som är ett riskfyllt beteende? Agerar personalen utifrån sin utbildning, kunskap eller gällande säkerhetsrutiner? Påverkar stress ambulanspersonalens bedömningar och beslut? Har personalen återkoppling efter ett larm för att diskutera om bedömningen och besluten de tog var korrekta? Den teoretiska utgångspunkten var Naturalistiskt beslutsfattande (NDM = Naturalistic Decision Making) och mer specifikt Igenkänningsbaserade beslut (RPD = Recognition-Primed Decision).

Rådslå om det som berör dig. Om möjligheterna till deliberativa processer inom ramen för dagens brukarverksamhet.

Deliberative politics offers a new and exiting way of overcoming the problems that the western democracy of today is facing. A lot of research in the most recent years have had the goal to replace the representative democracy with a decision-making frame built on decentralization and deliberation. The goal for this essay is to create a framework for local decision-making, based on deliberativ norms, that could work as a complement to the representative democracy instead of replacing it.During the recent years the so-called "brukarråd"; councils for the most common users of one special public service, has been a new way for the local government to get in direct contact with those who are most affected by changes and developments in the specific area of the public administration. In this essay I argue for that these councils should be designed so that they could house deliberative processes.After creating a model for the possible way of designing the "brukarråd" I compare the framework with the system that exists today. In this way there is a possibility to point out if there is a way to deepen the democracy within the already existing system..

Riskhantering vid kreditgivning till lantbruksföretag : riskanalyser av fyra fallgårdar

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.

Köp av bostad efter införandet av bolånetaket : Hur påverkar konsumentens förutsättningar valet av finansieringsalternativ?

Introduction: A general guideline was introduced on October first 2010 regarding a mortgage cap, limiting the degree of leverage of housing as collateral. Through the new guidelines the marked conditions concerning consumers? choice of mortgage has changed. The consumers are limited in the sense that they can?t only use mortgage when purchasing a house.

Utvärdering av en beslutsåterkopplad kanalestimator för tredje generationens mobiltelefonisystem

This Masters thesis work describes a comparison between two different methods for estimation of the down channel (base station to mobile subscriber) in Wide-band Code Division Multiple Access (WCDMA). The first estimation method, Optimal Feed-forward Channel Estimation (OFCE), is a conventional method that bases the estimates on data that is known to both sender and receiver, so called pilots. The second method, Decision Directed Channel Estimation (DDCE), is an elaboration of OFCE. It also uses user data for estimation. Simulations show that DDCE, in comparison to OFCE, does not attain an improvement in signal-to-noise-ratio (SNR) for high bit error rates (BER).

Kvinnliga Församlingsledare Då och Nu En litteraturstudie om ämbetsfrågan i Svenska kyrkan

For almost a century the debate about women as ordained servants in the Church of Sweden has raged on and on. The decision to open up the priesthood for both genders in 1958 was a milestone in the women?s liberation movement as well as it marks an important time in the church history. The debate has mainly been about how to interpret scripture, who has the right to do so, and so on. Feminist theology has become one way in recent decades to paint a wider and more nuanced picture of history and how to interpret the texts often used to repress women.This essay surveys some of the steps towards that decision, as well as it paints a rough picture of what leadership among women in the church could involve before ordination became an option.

Risk Management for commodity consumers -A study of the Airline industry-

The aim of this study is two folded. We wish to investigate if there is a value premium from hedging jet fuel exposure for American and European airlines. We also seek to answer if airlines can affect their probability to default by using Risk Management. During the period 2003 ? 2006 there existed a value premium for airlines that hedged their expected future consumption of jet fuel.

Utvärdering av en beslutsåterkopplad kanalestimator för tredje generationens mobiltelefonisystem

This Masters thesis work describes a comparison between two different methods for estimation of the down channel (base station to mobile subscriber) in Wide-band Code Division Multiple Access (WCDMA). The first estimation method, Optimal Feed-forward Channel Estimation (OFCE), is a conventional method that bases the estimates on data that is known to both sender and receiver, so called pilots. The second method, Decision Directed Channel Estimation (DDCE), is an elaboration of OFCE. It also uses user data for estimation. Simulations show that DDCE, in comparison to OFCE, does not attain an improvement in signal-to-noise-ratio (SNR) for high bit error rates (BER). An improvement is only seen when the BER becomes much lower than what is common in real situations. In conclusion DDCE is complicated, involves many mathematical operations and gives insignificant improvement of SNR when BER takes common values. It is legitimate to question if it is possible to use the method in a real mobile phone system..

"Jag känner liksom igen den på något sätt..." - en studie om implementering av värdegrund i en vård- och omsorgsförvaltning

The aim of our study was to increase the awareness of the importance of implementation when a policy document is widely introduced. We wanted to examine how a political decision was implemented on different levels in a social care administration. We also wanted to examine the discretion related to the decision on different levels in the organisation, and if the work is followed up. The theoretical frame of reference in our study is Vedung?s implementation model and Lipsky?s theory about street-level bureaucrats.

Utvärdering av programvaror för variabeldata till Lugnetgymnasiets färgskrivare,Ricoh AFC 6513.

The Lugnetgymnasium in Falun has a graphic education that supplies a color printer, which is availablefor the students in their hall. The printer is a Ricoh AFC 6513 and it is a model that can handlevariable data. It was bought in the autumn of 2002. The teachers of the graphic education want to makeuse of the variable data function and procure a variable data software. The purpose of this project is toevaluate variable data software?s, so that the most suitable choice of software can be made for the graphiceducation.

Djurägares syn på cytostatikabehandling av hund : en enkätundersökning

Chemotherapy is one of the most important methods of treatment available today for the treatment of neoplastic diseases and gives many patients an increased quality of life and a prolonged survival time (McKnight, 2003). The object of this study was to find out more about owners? views on and experiences of chemotherapy of dogs when it comes to for example quality of life, side effects and if they would make the same decision and treats their dog again in the future. A questionnaire was in the spring of 2009 sent out to the owners of 100 dogs that had been treated with chemotherapy for neoplastic diseases at Universitetsdjursjukhuset, Sveriges Lantbruksuniversitet (SLU) in Uppsala between 2002 and 2008. The response rate was 67 %.

Industriarv som bevarandeobjekt En undersökning av 18 byggnadsminnen i Västra Götalands län

Uppsats för avläggande av filosofie kandidatexamen iKulturvård, Bebyggelseantikvariskt program15 hpInstitutionen för kulturvårdGöteborgs universitet2014:8.

Koncernbidragets hantering ur ett ABL-perspektiv: - En analys av det vedertagna tillvägagångssättet

The use of group contribution between consolidated firms is a common phenomenon in Sweden where taxation is not based on the return on the consolidated level but on the return on the individual firms. However, the process of handling the group contribution does not work without problems. This thesis analyzes three main issues where group contributions oppose the Swedish Companies Act. ? The Swedish Companies Act enacts the decision regarding group contributions to be made at a shareholder?s meeting.

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