Previous research regarding the European debt crisis has mostly focused on the purely economic aspects of the crisis. However, there is a strong ?Protestant-Catholic? dimension in Europe, where historically Protestant countries are more prosperous than their Catholic and Orthodox counterparts. This has especially been a fact since early 2010, when several countries within the European Union had their Credit ratings downgraded. Is this phenomenon merely a coincidence? Or could the roots of the recent troubles in Europe have a basis in historic religions? To tackle this question, Max Webers ?s 110 year old study The Protestant Ethic and the Spirit of Capitalism is brought back into light and used as a tool for analysis of the crisis.The results show that not only are Protestant countries in general more prosperous, but they also have lower corruption and their citizens have a higher level of trust towards the government.

ABSTRACTStandardized assessment instruments have increasingly come to be used in social work. Although national studies of ASI and DOK's reliability and validity has only been examined to a limited extent. In order to improve knowledge of assessment instruments conditions, relevance and scope, this present literature study highlights the background and the application of the interview methods ASI and DOK, used in swedish abuse and dependent care. In answering the survey questions, a qualitative content analytical method has been used. ASI and DOK are multidimensional interviews which take into account that several areas affecting the client's treatment outcome.

This thesis primarily includes a study on whether companies can develop a mathematical activity that supports students' motivation in mathematics. The work was done together with Midroc Electro, a company that pays attention to the difficulty of recruiting and therefore was interested in investigating how the business world would be able to contribute.The thesis can be divided into three stages. The first part comprised by a exploration into research on student motivation regarding mathematics as well as numerous interviews with engineers to see how the research findings did fit with Midroc Electros reality. In these studies it became clear that the student who aims for a profession whose education or work requires math belongs to the group of students who primarily manage their studies in mathematics, that is, those that have the greatest motivation to work hard and complete their studies.Research information and interviews were compared and resulted in the thesis second part, Midroc Challenge. An activity where students primarily came to learn about the engineering profession and secondly how mathematics can be used in the engineering profession.

AbstractAimThe aim is that by using the curriculumcodes, analyze and compare four curriculums in physical education. The study begins in the elementary school introduction in 1962, and then makes three more strikes in 1980, 1994 and 2011.The questions that are addressed in this paper are,Which expression of competence code can be found in the different curricular?What are the expressions for performance code can be found in the different curricula?Is there any change regarding which code teachers use when they assess the students?Method  As a basis, the four curricula Lgr 62 Lgr 80, Lpo 94 and Lgr 11 in physical education are used. These four curriculums are studied and compared for similarities and changes in the assessment uses comparative content analysis. A number of publications in the curriculum codes are used in the analysis of the curriculum.

Kreditbedo?mning a?r ett viktigt verktyg fo?r de svenska storbankerna i rollen som kapitalfo?rmedlare fo?r fo?retag. Den kan baseras pa? de 5 C?na och genomfo?ras pa? flera olika beslutsinstanser. Det finns ett praktiskt och ett teoretiskt problem i hur bankerna skall organisera kreditbedo?mningen da? tidigare forskning a?r oense om prioriteringen i kreditbedo?mningen pa? olika beslutsinstanser och vad som fo?rklarar det.

This study aims to scrutinize the four major banks in Sweden on how their profit havedeveloped over a time span of 15 years, whether stricter regulations have had anyimpact on financial key ratios and if there is any correlation between the banksprofitability and their risk taking. The period covered is the years 2000-2014. Thefigures are annually and the four major banks are; Handelsbanken, Nordea,Skandiviska Enskilda Banken (SEB) and Swedbank.The findings are that financial key ratios that include net income are pro-cycle whereSwedbank has the biggest volatility over the period and that the three other banks areless, but clear pro-cycle. There are also indications that stricter rules have madeimpact on the volatility of the profitability even though the period covered is notenough to ensure this claim. Nordea has had the lowest and most stable capital ratiothroughout the period and the other three banks lowered their debt-to-equity ratiosignificantly after the financial crisis in 2008.

During the past few years there has been an observed decrease in physical fitness within different patient groups. As a part of the rehabilitating physiotherapy treatment it is important to acknowledge the physical condition of the patient. Physical fitness testing might be difficult due to physical limitations within different patient groups. A broad range of exercise tests is therefore of importance in clinical practice. The aim of this overview was to describe exercise tests used in rehabilitation contexts, and to define areas of use and restrictions.

Banker är enligt lag tvungna att göra en bedömning av företags återbetalningsförmåga vid kreditgivning. Redovisningsinformation är en viktig bedömningsgrund vid kreditgivning och kvalitén på informationen är avgörande för beslut gällande utlåning. Det är revisorns uppgift att genom granskning kvalitetssäkra ett företags redovisning och förvaltning och resultatet av detta lämnas i en revisionsberättelse. Revisionsberättelsen är den enda offentliga rapport som revisorn lämnar och därmed den som intressenterna kan ta del av. Syftet med denna studie är att undersöka vilken betydelse revisionsberättelsen har för bankerna vid kreditgivning till företag.

Syftet med denna studie var att pröva olika teorier om stamning, avseende nivå av muskelspänning vid flytande tal. Tjugofyra försöksdeltagare ingick i studien, tolv stammande och tolv kontrolldeltagare. Försöksdeltagarnas muskelaktivitet i musklerna orbicularis oris (OO) och depressor labii inferior (DLI) uppmättes med hjälp av elektromyografi (EMG) vid flytande tal och vid en icke verbal uppgift, att puta med läpparna. De stammandes grad av stamning bedömdes med The Wright and Ayre Stuttering Self-Rating Profile (WASSP) och Stuttering Severity Instrument, fjärde upplagan, (SSI-4) för att korrelera denna med muskelaktiviteten. Ingen statistisk signifikant skillnad avseende muskelaktivitet mellan grupperna kunde påvisas, varken i flytande tal eller vid den icke verbala uppgiften.

Kreditbedömningar vid lån är en riskabel process för banker, vid felaktiga kreditbedömningar riskerar de inte bara sin egen lönsamhet utan det kan även påverka samhället finansiellt. En banktjänsteman baserar sin kreditbedömning på både finansiell- och icke finansiell information, banktjänstemännen har även möjlighet att använda affärssystem som ett datoriserat beslutsstöd vid sin kreditbedömning. Affärssystem har möjligheten att samla in finansiell information, hantera informationen samt generera ny information som kan användas som beslutsunderlag. Syftet med denna studie är att beskriva affärssystemets roll vid kreditbedömningar och hur affärssystemets roll påverkas av relationsfaktorer. Studien har en kvalitativ ansats som består av sju intervjuer av banktjänstemän som arbetar med kreditbedömningar på både företags- och privatsidan.

In Halland, agriculture is the major source of eutrophication of water. In the study, synoptic sampling were performed in the three watercourses Nyrebäcken, Skintan and Vinån all located in the county of Halland. Sampling occurred during the period February to May on three occasions with different flow rates: high, low and base flow. Samples were taken in the mainstream and tributaries with intention to show how big the impact of eutrophication it is in the water and  to assess the impact of the tributariesThe results show that all watercourses are affected by eutrophication. Nyrebäcken has the highest concentrations of nitrogen and phosphorus in the mainstream, then Skintan and last Vinån.

Background: Pet therapy has existed as a concept since 1964 when the American child psychologist Boris Levinson coined the term. Nowadays Animal Assisted Activity (AAA) and Animal Assisted Therapy (AAT) are both recognized concepts, and with progressed research the science of pet therapy increases.Purpose: To summate the most recent science in pet therapy (therapy dog) research with focus on physical, psychical, and social effects.Methods: Literature study/review with descriptive design, research on 21 articles published from year 2003 and onward. Articles used in the study were chosen through beforehand decided criteria, subject to quality rating, and summated in an overview. The main results were summated and presented in similarities and differences.Results: The main result of the summation was that important results could be measured in each of the three fields of research. Physical/physiological effects: pain relief, differentiated results on vital signs, and increased activity.

Vid en bedömning av ett kreditärende ser banken till projektets företagsekonomiska förutsättningar. För företag som har immateriella tillgångar som de viktigaste tillgångarna i sin redovisning kan det uppstå problem när de ansöker om kredit hos banker. Detta beror på att immateriella tillgångar inte fungerar på samma sätt som materiella och därigenom tillbringar vag säkerhet för en beviljad kredit.Syftet med denna uppsats är att söka finna vad det är som krävs för att ett tjänsteföretag ska få ett lån beviljat.Vi har hämtat relevanta böcker och artiklar genom litteratursökning i högskolebiblioteket i Eskilstuna och Västerås. Den hämtade teorin låg sedan till grund för den intervjumall som användes i vår empiriska undersökning. De vi intervjuade var en bank och fem tjänsteföretag.För att en bank ska välja att finansiera ett företags investeringar måste affären ge avkastning på den givna krediten.

Det råder ingen tvekan om att små och medelstora företag (SME) fyller en mycket viktig funktion i samhällsekonomin. Det råder heller ingen tvekan om att tillgång till finansiering är av avgörande betydelse för tillväxt och utveckling av SME-sektorn.Enligt den vetenskapliga litteraturen är det dock inte helt enkelt för enskilda bolag i SME-sektorn att få kredit från bankerna. Detta gäller även Sverige och i många andra västländer med ett bankorienterat ekonomiskt system.Syftet med denna studie är att undersöka hur bankerna agerar i kreditgivningsprocessen, kredituppföljningsprocessen och hur bankerna agerar när en av bankernas kreditkunder hamnat i finansiella problem. Studien syftar vidare till att diskutera hur förfarandena kan förbättras för att slutligen kunna avgöra om dagens förfarande är tillfredställande eller om ny lagstiftning behövs för att komma tillrätta med eventuella brister. Syftet har avgränsats genom att endast undersöka bankernas utlåning till SME samt genom att endast undersöka hur bankernas förfarande ser ut idag.

The number of elderly people has been steadily rising in Sweden for a long time and as a proportion of the population, the increase has been even greater. The population structure in the country means that in the not too distant future, there will be a sharp rise in demand for care and elderly accommodation.A tighter credit market as a consequence of new rules and regulations with a stricter capital and liquidity requirements combined with market turbulence, has made financing property developement more difficult and more expensive which has resulted in many companies using alternative sources of finance.DEmand for safe investments with low risk is high as the market is volatile and banks, pension funds, fund management and life insurance companies are looking for investments outside the stock market that can deliver a safe return in the longer term. There has also been a debate about whether institutional investors as the AP pension funds really should own properties directly.As properties for care and elderly accommodation are definable assets with predictable payment flows, long leases and often a local authority as tenant that would not risk cancelling payments, these would be highly appropriate for securitisation, i.e. to issue bonds or other tradable securities based on the cash flows from the assets.In other words, the securitisation of rent flows would offer the opportunity to create an attractive investment product of the type being demanded, well suited to institutional investor requirements, while at the same time, it can provide an attractive financing opportunity to meet the need for more care and elderly accommodation..