To be able to protect themselves from credit risk, the banks must constantly check the performance of  the companies they have lent money to. There are many mathematical models for predicting financial distress. These models use accounting-based ratios, which often are historical and not representative for the present situation. This study describes how the banks do in practice to find signals of insolvency in time and the variables they are observing for doing that.In addition to financial reports which the company sends in to the bank at least once a year, also the relationship between them and information from different information  agencies are of great importance to track  signals of insolvency. Poor profitability is the primary cause of insolvency.

Abstract   The actions of Sweden during the second world war has been richly discussed over the years. Sweden declared itself neutral in the war between the great powers but did not manage to maintain its neutrality. The nature of neutrality has often been discussed; whether it is of a idealistic or more pragmatic nature. Realism, a theory of international relations, would argue that it is of a more pragmatic nature, hence these two are in opposition. Realism also takes credit in claiming to explain how and why a state chooses to act in a situation. The aim of this essay was to, by examining specific decisions made by the swedish government during the Second World War, come to a conclusion whether or not Sweden?s proclaimed neutrality was of idealistic or pragmatic nature, and thereby possibly coming to a conclusion about neutrality in large.It was also to examine the worth of realism as an explanatory theory by applying it to this specific case; to examine its validity.The study was conducted using a qualitative method; presenting empiric facts and then by using a decision model interpreting the actions and results from a realist perspective. The study concludes that realism has explanatory power, although not a complete one.

Dagens växande kunskapssamhälle kräver förmågan till ett livslångt lärande och forskare inom inlärningspsykologin antyder att metakognition kan vara av omfattande betydelse för inlärningsresultatet. I en inlärningssituation utgörs det metakognitiva tänkandet av samordnandet av kunskap och andra strategier för hur vi ska gå till väga för att uppnå eftersträvansvärda kunskaper. Denna rapport undersöker huruvida problembaserat lärande - PBL utvecklar de metakognitiva förmågorna för ett livslångt lärande, jämfört med en traditionell undervisningsmetod. En quasi-experimentell design utfördes mellan PBL respektive traditionell undervisning där den metakognitiva förmågan bedömdes med hjälp av Assessment of Cognitive Monitoring Effectiveness - ACME. Undersökningsmetoden ACME innebär att studenterna uppmanas att bedöma vad de tror sig kunna respektive inte kunna.

The work was carried out on Termisk Systemteknisk?s office in Linköping. The aim was to create a computer system with infrared camera technology for quality control and temperature monitoring of manufacturing processes in industry. The system should be configurable such that it can be used on several different issues, including those where the real-time analysis of camera images is required.The developed system is based on an existing framework, Panola, to deal with measurement results and images in a database. The framework is built for the system continually check for new data , and the task was to create a foundation upon which to build systems that use the framework, but fully or partially utilize direct calls .

The increasing holdings by institutional investors have raised concerns about the institutions passive investment strategies and the implications for corporate governance. A way for investors to address moral hazard and opportunistic behaviour of management is to demand conservatism in accounting practices. This paper analyses the relation between institutional ownership and accounting conservatism in the Swedish market by studying firms on the Nasdaq OMX Stockholm over a three-year period. Furthermore, the study investigates whether ownership by institutions with high probability of monitoring managers leads to higher conservatism in financial reporting. To measure accounting conservatism this study uses the asymmetric timeliness measure developed by Basu (1997).

Animals can be ill and need veterinary care for many reasons. The conditions can be more or less emergent, some can even be life-threatening. When an animal is in a life-threatening condition you can save the animals life just by having the right equipment near-by and ready to be used. This literature-study help you, as an active working veterinary nurse, with which these conditions are that can show up in your emergency ward and what you should have near-by to give animals with acute life-threatening conditions the care they need. The author also looked at work tasks at the emergency ward and found out that in Sweden it is not defined who can and/or should execute them. Interviews were also done with nine of the largest small-animal hospitals in Sweden to compare the studies found with the Swedish emergency wards.

Det problem som denna uppsats hade för avsikt att besvara var varför hemautomation inte används i fler hem. Genom resultaten från en enkät som distribuerades kunde slutsatsen att kostnaden för de befintliga lösningar som finns på marknaden idag inte låg i den prisklass våra respondenter ansåg rimlig. Författarna utvecklade då problemet och ställde sig frågan om en hemautomationslösning verkligen måste ha en så hög kostnad som de befintliga lösningarna har idag. För att belysa detta problem implementerades en egen kostnadseffektiv lösning där respondenternas mest önskvärda funktioner togs i beaktande och en testmiljö implementerades utefter dessa. Resultatet blev en hemautomationslösning med stor potential och med en betydligt lägre kostnad än dagens befintliga lösningar..

En bostad kan ses som en investering och finansieras oftast med ett bostadsslån från en bank. Finansinspektionen som fungerar som ett tillsynsorgan till bankverksamheterna har agerat mot en osund kredithantering med hjälp av införandet av ett bolånetak. Tidigare finansiella kriser har visat på svårigheterna att i förväg föreställa sig effekterna av framtida osäkerheter. Vid ett bostadslån kommer kreditgivaren och kredittagaren behöva resonera kring framtida osäkerhet som medföljer skuldsättningen. En ökad skuldsättning i förhållande till disponibel inkomst för varje enskild låntagare skulle innebära en ökad risk för bankens stabilitet.

In this essay suggested pathogenesis of secondary hypertrophic osteoarthropathy (HOA) is reviewed. HOA, characterized by; periostitis, periosteal proliferation of tubular bones and arthritis can develop due to many different underlying diseases. The syndrome is most commonly seen with intra-thoracic malignancy or chronic pulmonary infections. HOA has previously mainly been described in humans and various domesticated species. More recently, through wildlife disease monitoring, cases have also been found among wild animals.

Att bedöma och betygssätta företags kreditvärdighet är en stor och vinstbringande marknad. Ett företags kreditbetyg har visat sig ha stort inflytande när t ex lånevillkor behandlas. Detta ställer höga krav på kreditvärderingsföretagens förmåga att leverera korrekta analyser. Såväl långivare som investerare reagerar på ett ändrat kreditbetyg, vilket ger direkta effekter på det företag som betygssätts. Kreditvärderingsföretagen har kritiserats bland annat för att inte svara tillräckligt snabbt på ny information.

The purpose of this thesis is to through the analysis of interviews with finance professionals in listed companies answer the question on what lies behind capital structure decisions, and to see how well the prevailing theories fit the answers. This article is an explorative and descriptive hypothesis creating study. We have used a qualitative method to analyse practice through theory. We have conducted telephone interviews with CFO:s and financial executives in Swedish listed companies on how they reason when they make capital structure decisions. We have then thoroughly reviewed the theory and empirical tests of the theories.

The intention of this essay was to describe and analyse the participant's experience in a work project based on a holistic model. The main purpose of the project was to integrate homeless people back into society. My main questions were: 1. What meaning did the project have in the participant's life? 2.

The purpose of this essay is to perform an evaluation regarding retrieval performance of three web search engines. The search engines included are All the Web, Alta Vista and Google. These have been tested using ten queries within different subject areas chosen by the author. The first twenty hits for each question have been analyzed for relevancy. Relevancy is judged on a three-point scale; 0, 0,5 and 1 where 0 goes to irrelevant and inactive or duplicate documents, 0,5 point goes to partially relevant documents and 1 point goes to highly relevant documents.

AimThis paper has come about because of the author's own experience as a project manager at FMV. In various projects, I have wondered if there is a link between the programs and processes that I have to use in my daily work. Are these programs effective for managing projects and follow-up.MethodIn order to examine whether it is efficiently using standard software, I have asked a number of projects manager at FMV to respond to a questionnaire, the method is qualitative.AbstractEfficient project management will require a set of tools for planning, monitoring and evaluating. Often there is a demand for a comprehensive range of enterprise software applications and business solutions combined to one business solution. A relevant question is if it is possible to use standard software, i.e.

This study aims to explore managers? experiences and perceived conditions for exercising leadership in both hybrid and physical work environments. The empirical material consists of eleven semi-structured interviews and four policy documents. The sample includes eleven managers, of whom six work in a physical environment and five in a hybrid setting. The study follows an inductive approach, where the interviews were first collected and later analyzed by identifying patterns and connecting them to theories on different leadership styles, monitoring, and trust.