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952 Uppsatser om Credit reference - Sida 25 av 64

Metod för beslutsstöd vid formulering och uppföljning av en kommuns klimatmål : Fallstudie Uppsalakommun

The purpose of this study is to create a method that can be used to produce decision supportdata for the climate goals of a municipality. The method should be able to demonstrate the potential for reducing energy use and greenhouse gas emissions for measures aimed at the stationary energy system in the municipality. It will be used to make long term projections of energy use and greenhouse gas emissions in order to be able to demonstrate the ability to reach climate goals. The aim was also to test the method's applicability by using the municipality of Uppsala and the Uppsala climate protocol project in a case study. Uppsala climate protocol is a project consisting of participants from business, government and organizations that voluntarily want to commit to reducing their carbon footprint by reducing their energy use and thus work to achieve the municipality's overall climate goal.

Affärssystemets roll i bankers kreditbedömningar : En studie om hur relationsfaktorer påverkar affärssystemets roll vid kreditbedömares beslutsfattning och riskhantering

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.

Belöningssystem i heterogena organisationer -I teori och praktik

The purpose of this master thesis is to, with the strategies of the organization and the preferences of the co-workers in mind, explore how reward systems can be designed in heterogeneous organizations. This is done by interviewing store managers and sales personnel in a heterogeneous organization. The frame of reference deals with theoretical approaches on reward systems and is divided in the following sections, individual or group based, differentiated or not differentiated rewards systems and goals, measurements and rewards. These sections are highlighted from the following aspects, equity, implementation possibilities and finally environment. The theoretical discussion ends in the conclusion that heterogeneous organizations should have several different reward systems, but not if a restructuring process is in progress or the system becomes too costly.

Traditionell skidtillverkning: ett kunskapskomplement till dokument?ren Skidmakaren i Gielas

Archaeological findings show that ski manufacturing goes back thousands of years in the Nordic region. There is a wealth of literature and film that deals with the subject, but it can be difficult to get an overall picture of how a specific type of traditional ski has been made. The starting point is the documentary "Skidmakaren i Gielas", where the viewer can follow Alfred Israelsson as he makes a pair of skis out of birch wood. However, the documentary lacks important information about how the skis are actually manufactured. Length, width and certain working steps are disclosed.

Livets skillnader : Heidegger, djuret och vetenskapen

This essay constitutes an attempt to expose, with reference to contemporary animal research, the limits of Martin Heidegger?s concept of the being of animality in Die Grundbegriffe der Metaphysik (1929/30) and to propose some possible ways to think, within the philosophical style of this particular work, the being of those animals that most distinctly transcends Heidegger?s concept. The essay seeks to address the following question: Do the results of contemporary animal research expose ways of being within animality that withdrawal from Heidegger?s concept of the being of animality in general, and if so, how should we think these new ways of animal being? The motivation to ask this question, I argue, are immanent to Heidegger?s thinking in at least three ways: 1) Because of his standpoint that philosophy cannot, in any meaningful way, create an ontological concept of animality without an orientation towards the results of the positive sciences; 2) Because of the unfinished and tentative character of Heidegger?s analysis, a character that is such that it should be seen, according to Heidegger himself, as an essential point of departure for further thinking; 3) Because of Heidegger?s view that the being of the animal are such that it involves the withdrawal of this very being from any originary access, a withdrawal that necessitates an infinite return to the question concerning the being of the animal. The essay wants to be a continuation of lines that are present in Heidegger?s open-ended thought on this theme rather than to be an external critique that approach the text, which is most often the case, as a closed point of view which we are forced to affirm or reject.

Skolans demokratiska uppdrag : och gymnasieelevers demokratiska kompetens

The purpose of this study was to describe experiences in daily social life of parents of children with psychotic illness. Five parents with long-term experience of psychotic illness have been interviewed. The frame of reference in emotion theories of Thomas Scheff and Randall Collins have been used to analyze the results. The study is qualitative and has a phenomenological approach to shed lights of meanings in daily social life. The following meanings was found: Openness with certain reservation shows that honesty is important for the feeling of solidarity, Social expectations in daily life describes the parents´own expectations as well as expectations from others.

A Cross-Country Skiwear Collection for Beautiful Women

This thesis deals with cross-country ski clothing for non-competitive women. Women in this category look for different clothing features in comfort and aesthetics than male top athletes, for whom cross-country skiwear today often seems to be designed. In this thesis the demands of these women have been mapped out by an interview with a reference group of users. The ergonomics of exercising in the winter outdoors are naturally a base for the collection. The collection consists of three functional layers of garments.

Finansiering av investeringar i immateriella tillgångar

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.

Kreditgivning och kredituppföljning: En studie om och hur bankernas kreditförfarande kan förbättras

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.

Ungdomars säkerhet på Internet : Uppfattade risker och ansvarsbördan

The purpose of this paper has been to explore how Internet is perceived, with reference to youth, risk and responsibility, by a section of the population in North-West Skåne in Sweden. The questions central to our area of interest were:- Where does the responsibility for a safe Internet environment lie?- What measures are believed to be able to make Internet safer?- Are the opinions about safety on the Internet affected by an individual'sknowledge and experience of the Internet?- Is there an awareness of which institutions are involved in Internet safety?We compared the results of our survey with earlier surveys done by SAFT and Eurobarometern. Additionally we compared various categories such as gender and age to discover any patterns within the groups.There is a clear conflict in the answers given by the group we studied, between the desire to have access to all the information and experiences Internet has to offer and the desire to protect youth from inappropriate content and/or influences from unknown sources. While we did find concern regarding issues of safety we did not find any indication of "moral panic"..

Frånluftsvärmepumpens möjligheter i flerbostadshus

If a building is heated by a heat pump, it is of high importance that the heat pump has a high coefficient of performance. An exhaust air heat pump extracts heat from the building?s exhaust air. The air has a relatively high and constant temperature all year around, leading to a high seasonal coefficient of performance. This thesis examines whether it is profitable to complement an exhaust ventilation system with an exhaust air heat pump in an apartment block that already has geothermal heat pump, district heating, oil- or biofuel heated system.

Vardagens sociala liv för föräldrar till ett barn med psykossjukdom - fem föräldrars erfarenheter

The purpose of this study was to describe experiences in daily social life of parents of children with psychotic illness. Five parents with long-term experience of psychotic illness have been interviewed. The frame of reference in emotion theories of Thomas Scheff and Randall Collins have been used to analyze the results. The study is qualitative and has a phenomenological approach to shed lights of meanings in daily social life. The following meanings was found: Openness with certain reservation shows that honesty is important for the feeling of solidarity, Social expectations in daily life describes the parents´own expectations as well as expectations from others.

Den mångtydiga notbilden : Klingande gestaltning av pianostycken i romantisk stil utifrån instuderingar med reducerade notbilder

ENGLISH SUMMARYTitle:The ambiguous scorePresenting romantic piano pieces from simplified scoresIn this essay, I have investigated if different types of simplified scores ? scores whose musical structure are clearer compared to the original ? can stimulate a more artistic interpretation as well as a more linear understanding of the piece. My analysis also investigates what kind of impact these kinds of scores have on memorization.The music is derived from the romantic piano repertoire and the subjects are six university-level music students. Half of them were placed in a reference group, and only received the original scores, while the others also received the altered versions. I used both reduced scores where notes were removed in order to emphasize the linear structure and scores where the pitch notation was the same as in the original , but the notes were grouped differently.The result indicates that those having access to multiple versions had a positive impact on the musical interpretation.

NASA på Nya äventyr i rymden : Populariseringen av den amerikanska visionen om rymden

The purpose of this thesis is to bring forward and discuss the American vision for space exploration found at NASA's homepage, how the vision is popularised and why. NASA's homepage is analyzed as popularized science and the theoretical perspective emanates from the field of popular science and especially the work of Johan Kärnfelt. The historical reference is made up by Howard E McCurdy and he's thoughts about space and the American imagination. The analysis is based on a number of documents that popularize the vision for space exploration and is intended for the public. These documents describe the future plan for NASA and US space exploration..

Brothers in arms or partners in crime? A study of the gap between EU and USA in the cooperation against global terrorism.

In this thesis I analyse and discuss what impact the 2003 U.S lead intervention in Iraq, had for the cooperation against global terrorism between the European Union and the United States. Six years have passed since the Bush administration decided to go on with the intervention, even though they did not have the necessary UN mandate. Due to unsuccessful argumentation in favour of the intervention by the Bush administration, the world got divided. George W. Bush reference to a ?war on terror?, which passed almost unnoticed by Americans, rang alarm bells in many European countries.

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