The aim is to develop a new decision-making model for credit-loans. The model will be specific for credit applicants of the OKQ8 bank, becauseit is based on data of earlier applicants of credit from the client (the bank). The final model is, in effect, functional enough to use informationabout a new applicant as input, and predict the outcome to either the good risk group or the bad risk group based on the applicant?s properties.The prediction may then lay the foundation for the decision to grant or deny credit loan.Because of the skewed distribution in the response variable, different sampling techniques are evaluated. These include oversampling with SMOTE, random undersampling and pure oversampling in the form of scalar weighting of the minority class.

The aim and goal of this work has been to design and implement a voltage reference network for a 12-bit PSAADC, Parallell Successive Analog to Digital Converter. A chip containing the design has been sent away for fabrication. Because of the long processing time, no measurement data are presented. The main specifications for the voltage reference generator is to generate stable reference voltages with low noise and a good PSRR. Efforts has also been made to minimize the power consumption..

AbstractThis paper intends, through a qualitative study to examine and analyze how a particular type of financial firms cooperate, and what this entails. The case study issue which shall be answered is "What does the firms Credit Suisse and Orn & Cie SA gain out of cooperating with each other?". By setting the general theories in the subject joint ventures, partnerships, against the empirical material gathered via interviews and data collection in Geneva, Switzerland  answers to what the cooperation between the two parties has resulted in for the respective companies has been found. The survey shows that the prevailing model of cooperation creates significant benefits for the two companies.

The main purpose of this Masters thesis was to examine how the Internet and other electronic sources have affected public librarians use of printed reference sources. During the last couple of years the use of the electronic sources - in particular the Internet has become more established in the Swedish public libraries. Our aim was to examine if and how this has affected the use of the printed reference sources. This has been examined on the basis of the following factors: the gender and age of the librarians and how long they have served in the library. We also examined if the size of the library affects the use of the printed and the electronic reference sources and also which factors that are most important when librarians acquire reference sources.

The new Swedish Companies Act allows Swedish companies to issue two instruments that were previously prohibited: mandatory convertibles and participating debentures. The aim of the thesis is to conduct a cross sectional study of Swedish corporate hybrid securities, especially in the light of the new Companies Act. The cross sectional study also includes areas such as credit rating, accounting and tax. The thesis concludes that it is possible, under Swedish law, to issue corporate hybrid securities that qualify for both high equity credit and tax deductible interest payments. The use of certain hybrid provisions are, however, restrained by Swedish company law.

The new accounting standards IFRS and IAS was implemented in January 2005, the purpose was to harmonize accounting standards world wide. As a result of these new rules the real estate companies are allowed to appraise real estates assets at market value. It has long been debated whether this appraisal fulfils the requirements for relevance, reliability and comparability.The paper attends to how banks control the information given by the real estate companies in the process of credit granting. As an introduction we describe the purpose of accounting and the problematic´s about appraisals with market values. Further on there is a discussion on which factors are taken into consideration when banks grant credits.The study is built on interviews at three different commercial banks.

Managing credit risk might be the single most important business area for any commercial bank. The assessment of "good" and "bad" corporate clients is a important task for a creditor. A bad debtor is a corporate client with hardships in meeting the continous claims (interest payments) that a creditor requires. One way of evaluating or separating a "bad" client from a "good" client is to assess the propensity for the client to file for bankruptcy. This thesis examines 226 firms in the Swedsh market in the quest of predicting corporate bankruptcy.

It is mandatory for the countries in the European Union with company audit, still the countries can separately choose to exclude smaller companies from this rule. Most companies in the EU use this exception, Sweden is one of the few countries that does not. The Swedish government has recently announced that an inquiry will be made to examine the effect of an abolishment of the statutory audit for smaller companies.This study examines in what extent car selling companies use revised material when they give costumers credit and the consequences of an abolishment of the statutory audit for these companies. The conclusion of the study is that car selling companies feel secure knowing that their costumers have been audited. Most companies interviewed, buy credit information from external sources.The persons interviewed have a hard time knowing the outcome of the abolishment of the statutory auditing.

The main purpose of this study was to establish to what extent undergraduate students use reference services, what knowledge they have about those services and what their views of them are.The survey took place at Lund University Library, UB1, the main library responsible for collections in social sciences, humanities, theology and law. A total of 476 undergraduate students were asked to fill in a questionnaire, 273 accepted. The study is quantitative and was carried out during the autumn semester, 1996.The results show that the service used most frequently by undergraduate students is the reference collection. The least used service is the Internet, more than 50 percent of the students never use Internet at the University Library. In general, students are very pleased with the service given by the reference librarians, and with the collection of reference books.

Account receivables tie up large amounts of capital in. Various reports show that the actual time for customer to pay their invoices is getting longer. This is a problem both from a society and a business economic perspective. The purpose of the essay is to find out if Swedish companies have longer credit days than normal contractual terms of payment and if so, can the business cycle or the geographical distribution of sales have an impact and does it make a difference if the companies have an active monitoring of the actual customer credit days. To answer this, we studied 12 listed companies in four different sectors between the years 2000-2008. In the analysis, we reason about the results of the study and how the various factors may have influenced the outcome.

This Master's thesis aims to investigate the reference interview using the discourse analytical method discourse psychology. The reference interview has been studied thoroughly, and its importance has been proven repeatedly within the field of Library and Information Science (LIS). However, it has never been studied from a discourse analytical point of view before.The material for our study was gathered at Malmö public library, and consists of 10 tape-recorded and then transcribed reference interviews. Our study shows that there are several discourses within the reference situation. The dominating discourse, the reference interview discourse, is found within all the reference interviews.

Erythropoiesis is a complex and carefully controlled process which is mainly regulated by erythropoietin. Using flow cytometry cells in a blood sample can be analyzed one by one. ADVIA 2120 using flow cytometry for analysis of red blood cells (RBC) and reticulocytes. Red blood cell distribution width (RDW) is a component of the RBC method. RDW indicates size variation on erythrocytes and is measured as a percentage of the mean cell volume (MCV). By measuring the RDW anemia can be divided into makrocytic, microcytic or normocytic. Reticulocytes refract light more strongly than red blood cells because they contain some cellular debris. The number of reticulocytes in the peripheral blood reflects erythropoiesis in the bone marrow. The purpose of this project was that by approved methods to establish reference ranges for the parameters, RDW and reticulocyte counts.The individuals who participated in the study, n=124, were considered healthy and had varying ethnicity. Reference subjects had not donated blood the last six months and participation in the study was voluntary.The statistic evaluation includes examination of distribution, and reference ranges for both men and women were established using the 2.5:t and 97.5:t percentiles. The calculated reference interval for RDW was between 12.0 ? 14.3% and the calculated reference interval for reticulocytes was between 38.0 ? 112.8 x109 cells/L. The results showed a significant difference between males and females for the parameter reticulocytes was seen. The difference indicates that different reference ranges should be established for men and women (p<0,0001). No significant difference between males and females were seen for RDW (p=0,74) indicating that the same reference ranges can be used for both men and women. .

Neurography is the most objective and reliable measure of the peripheral nerve function, and it is used to diagnose both local and generalized neuropathies. Neurography can measure both motor and sensory nerve functions. The principle for sensory neurgraphy is to stimulate over the nerve and record proximal or distal from the stimulated electrode.At the Department of Clinical Neurophysiology, University Hospital Uppsala, a problem has been identified, in that young adult patients tend to show unexpected abnormal neurography values in relation to the expected, indicated by the reference limits, without clinical correlates. This concerns foremost the sensory amplitudes in median and ulnar nerves. The hypothesis is that the requirement of young adults? amplitudes is too high.

The aim of this master thesis is to find out if young people and librarians think that reference groups can support public libraries to meet the needs of young people, and if the reference groups, which the librarians describe, differentiates from the young peoples requirements. I have made a qualitative study with a questionnaire to six librarians who have experience from reference groups and ten interviews with teenagers. The result showed that young people have many interests and needs which can be met from the library. The teenagers were positive to the library and many of them showed interest in having more influence on the library. Many would like to join a reference group, but on the condition that they would be offered real influence.

The aim of this thesis was to study librarians approach upon reference questions and available resources and also to find out if there is any connection between the nature of the reference question and the choice of resource. The purpose was also to give a deeper understanding of the reference work. Nine librarians were given ten reference questions and their reference work was tape recorded. The study was completed with seven interviews sent by email. Some of the reflections were translated under the headlines of form, subject, time, language and availability.