The purpose of this master thesis is to investigate how librarians working in academic libraries are experiencing the reference situation from a pedagogical point of view, by applying a theoretical framework consisting of learning strategies and their different characteristics, to qualitative interviews. Other goals are to elucidate the fact that learning takes place every day at libraries during the reference situation and that this work must be seen as ?one of the most important activities that takes place at the library?, using the words from one of the interviewed librarians, but also to make place for more discussions regarding pedagogic and library work. This is done by posing questions about knowledge, learning, information literacy, communication, the reference encounter, the roles of the librarian, policy and also architectural aspects of the reference situation. The interviews were taped, transcribed and categorized according to the earlier mentioned areas of interest.

The title of this thesis is ?The preconditions of the acquisition guarantee- hard to design working political reforms?. The acquisition guarantee (förvärvsgaranti) is a form of credit guarantee issued by the Swedish government to credit institutes that give out housing loans to debtors with poor credit history. The reform hasn´t been used in any substantial extent.The purpose of the study is to investigate whether you could identify any problems with the preconditions that the governmental agency BKN was given to implement the acquisition guarantee, and if so describe which these problems are.Two questions are answered:1.      What preconditions for a working implementation of the guarantee, in the form of rules, objectives and directives was offered by the government in their steering of BKN?2.      How did the structural preconditions for a working implementation of the guarantee look like?By doing a text analysis of central documents I find that the lack of outcome could to some extent be related to weaknesses in how the reform was formulated.

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.

This master thesis is a study of a new electronic library reference service-project called Speak instantly to a librarian and the purpose of the thesis is to investigate a new electronic reference service and how the librarians who work with it experience it. This should be seen from an informational society point of view. The study is conducted from two questions: - What needs do the libraries have and how do they argue for the project and the chat-reference service Speak instantly to a librarian? - How do the librarians experience the personal work situation in the new reference service, and its use of chat technology? Together with interviews of a selected group of librarians from the public libraries of Göteborg, Malmö, Nacka and Stockholm, this thesis includes aspects such as the theory of the informational society by Manuel Castells, as well as literary studies of the history of library reference, the development of electronic reference service and the virtual library, and the background and the beginning of the studied project Speak instantly to a librarian. The thesis also contains an overlook of other similar library projects in the United States of America.

Through certain exceptions in the Swedish regulation on credit agreements for consumers, a new form of instrument for credits has arisen on the national market. The instrument, which is most commonly known as easy credits and was first seen on the Swedish market for consumer credits in 2006, has developed to become part of a vast problem with excessive debt incursion. In order to counteract this development and to harmonise the internal market within the EU, directive 2008/48 EC on credit agreements for consumers was introduced in 2008. In Sweden, the implementation of the directive has led to a proposition for a new regulation on credit agreements for consumers (SFS 2009/10:242 Ny konsumentkreditlag) coming into effect on the 1 January 2011. The proposition puts up stricter rules on creditors granting consumer credits in their course of business, and revokes the former exemption on information and practices preliminary to the conclusion of the credit agreement for minor credits.

The purpose of this Master?s thesis is to investigate how librarians solve difficult reference questions. The aim is to discuss the nature of reference work ? do librarians make conscious decisions regarding search strategies or do they rely principally on their instincts, or simply chance. The thesis is a qualitative study.

Nedgångar i världsekonomin med påföljande likviditetsproblem hos företag har medfört negativa konsekvenser för banker, vilket skapade behov av effektiv kreditriskhantering. För att förhindra stora kreditförluster försöker banker ständigt minimera sina risker vid kreditgivning genom att identifiera fallgropar.Syftet är att undersöka vilka faktorer som bidrar till kreditförluster och belysa hur Nordea kan minimera risker vid kreditgivning utifrån dessa faktorer.Datainsamling skedde via granskning av litteratur och en fallstudie. Studieobjektet var affärsbanken Nordea där det genomfördes flera intervjuer med kreditansvariga på en regional nivå. För att ta reda på utvecklingen av kreditvolym inom Sverige sammanställdes data utifrån kreditgivningsstatistik från Nordea Hypotek AB.Enligt teorin är kreditförluster beroende av direkta och indirekta faktorer. Medan de direkta faktorerna kan påverkas av en kreditanalytiker ligger de indirekta faktorer utanför dennes inflytande.

Catecholamines are stress hormones that are produced and released by a rare tumor called pheochromocytoma. This tumor can cause hypertension which if undiagnosed and untreated leads to death. Since good therapy is available, it is important to find the tumor in time. The most common way to diagnose the tumor is measurement of the biochemical markers; catecholamines and their metabolites, methylated catecholamines.After observation that almost all normetanephrine results for women were higher than the upper reference limit and therefore pathological, the accuracy of the present reference intervals was questioned. Therefore new reference intervals for both urinary catecholamines and methylated catecholamines were developed by analysis of 46 samples using HPLC.

The increase in farmland value in Swedens plain areas is a well known fact in today's Swedish agricultural. In connection with the fluctuating prices of crops and inputs, are increasing the risk exposure to agriculture. The increased value of agricultural land has in Sweden over the years been due to a high demand for land that has existed and exists in Sweden. The increasing demand is linked to a structural rationalization of Swedish agriculture, leading to fewer and larger farm units (www, privataaffärer, Carl Johan Jurss).The purpose of this study is to examine the potential risks associated with the farmland value falls or remains unchanged, according to a farm credit administrator's perspective. The idea is to get a picture of the main factors taken into account when lending and the problems with falling or stable land prices into account when lending.

The web is a constantly growing medium that presumably plays an increasing role in public library reference services. In order to provide high quality reference service the librarians need to be able to master this medium. Therefore it is interesting to get an understanding of how librarians actually use the web. The aim of this Master s thesis is to investigate what web search tools are used by public librarians in reference service. Furthermore, the aim is to get an understanding of how the librarians think about those tools and what background factors influence their selection of tools.

There have been significant changes in the agricultural sector during the past 20 years (Jordbruksverket, 2008). The development of today is towards deregulation and adaption to global market conditions. As farmers try to adapt to the changed and more competitive market conditions investments are often necessary (LRF Konsult et al, 2012). Loans to agriculture and forestry businesses have increased to record levels and debt has doubled over the past years. The financial turbulence of the past years has contributed to an increase of the meaningfulness and willingness of the banks to be able to understand and handle risks associated with agriculture and forestry (Breiding, 2010).

The purpose of this thesis is to study how some librarians working at a public library experience problems that can occur at the reference interview, slightly focusing on communication difficulties. Therefore I interviewed three librarians working at the reference desk on a daily basis. I chose to limit the study to public libraries and to the south of Sweden. My main question is: what difficulties can a librarian encounter during a reference interview and what can he/she do to treat these? In support of my main question I have three subordinated questions:What reasons can there be to a librarian not understanding a user?s information need?What methods are useful for a librarian to enhance the condition of the reference interview? What attitudes and qualities can be of use for the librarian at a difficult reference interview?For the collection of empirical data I chose to use semi-structured interviews.

In relation with structure transformation in farm companies with bigger animal population and pressure at the milk price, the farmers in both countries have to invest more money in the company to endure. This had conduct what more owners had seen grown requirements to invest in bigger population barns. The investment is necessary to retain stability in the economy for the companies, at that time when the profitability for small production barns decrease. This essay carries out through a case, there the activities main part are milk production. The present operation consists of 82 milk cows in long stall with a yield on 10 500 kg ECM. The idea is that the company should increase the activity to 180 cows.

The purpose of the study is to highlight the issue of student loans securitization, and assure the importance and benefits that could be realized by performing such a transaction. The methodology is a case study for The National Board of Student Aid. It is a qualitative study, mainly using interviews, literature and scientific articles. By using this information we construct a securitization transaction structure ?CSN 2006-1?, and conduct a cost/benefit analysis.

The aim of this report was to quantify the accumulation of carbon dioxide (CO2) and methane (CH4) in ice-covered lakes in winter (October-March) during three consecutive years, and to assess whether the concentrations of DIC and CH4, as well as the ratio DIC:CH4 differs between years and between lakes affected by clearcutting and untreated reference lakes. Water- and gas samples were collected from four boreal lakes (two affected by clearcutting and two untreated reference lakes) located in Västerbottens inland in spring. The lakes were found to accumulate on average 91, 55, and 84 mgCm-2d-1 during winters 2012-2013, 2013-2014, and 2014-2015, mostly originating from CO2. The concentrations of DIC (autumn and spring) were higher in the affected clear-cut lakes compared to reference lakes for all years, including the reference year (2012-2013) before clear-cutting. No such difference was found for CH4 or the ratio DIC:CH4.