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952 Uppsatser om Credit reference - Sida 8 av 64

Skönheten i betygsättarens öga : En undersökning av utseendets betydelse vid betygsättning

This study examines the effects of a person's appearence on grading. 80 teachers in Swedish have assessed a text, illustrated with a picture of the supposed author. The pictures were varied by attractiveness, personality in looks, and gender. Furthermore, a text illustrated by a drawing and an unillustrated text were also used in the study. The texts were sent to the teachers by e-mail and assessed on a scale from 1-10 and the Swedish grading scale IG-MVG (Did not pass ? Passed ? Passed with credit - Passed with great credit).

Ska vi leka Bornholm : En studie om Före Bornholm i förskolorna

Background: With the removal of audit requirement for companies in Sweden from the first of november 2010, a lot of companies has chosen not to keep the audit requirement. So far 57 percent of the small companies has chosen to keep the audit, in spite of that they don´t need to which led us to the problem statement: Which are the factors that affect a small limited company to choose to keep the audit, in spite that now there is a possibility to choose not to use audit anymore?Purpose: The purpose of the essay is to examine why small limited companies choose to keep the audit, in spite that now there is a possibility to choose not to use audit?Method: This research founds itself in a qualitative study with a deductive research approach. We have been studying secondary data in books and articles and preformed 29 phone interviews with small ltd company owners in Sweden. The selection consisted of 14 companies with credit debts and 15 companies without credit debts.

TaqMan® Sample-to-SNP Kit? : evaluation of kit for low-cost and fast preparing of DNA-samples before genotype analysis

 Genotyping can be used to link genetic variation among individuals to certain diseases or conditions. Some known disorders and states that are dependent on single nucleotide polymorphism (SNPs) are lactose intolerance, venous thrombosis, hereditary hemochromatosis and the difference in sensibility among people to metabolise drugs.In this project a new kit, TaqManÒ Sample-to-SNP KitÔ for extraction of DNA and preparation of the extract for genotyping with real-time PCR and allelic discrimination, was evaluated. QIAamp® DNA Blood Biorobot® MDx Kit was used as the reference method.The purpose of the comparison was to find a method that makes DNA extraction from blood samples cheaper and faster, but with the same reliability as the reference procedure.The results of the evaluation showed a complete agreement of the genotype results between the methods tested, which means that the new method was as reliable as the reference method. The costs of reagents and material would be reduced with 52% if the new method is adopted, that alone would result in a cost reduction of 144 000SEK a year with a sample volume of 650 samples/month. The time for DNA extraction would also be reduced with the new procedure. .

En förändring : Nordeas anpassning och påverkan av Basel II

Problem: How has Nordea been adapted and influenced by the change of Basel II and how have the employees reacted on the new change?Purpose: This essay has a purpose to study how Basel II has influenced the credit rating at Nordea. We also want to study how the employees have reacted to the new change.Method: To receive the information that was necessary for this study interviews were performed with the employees at Nordea. The interviews were an effective way to start a discussion and by that we received important information.Basel II is new capital cover rules that the Swedish banks have introduced. These new rules mean that it will become more important with safety when it comes to risk management and credit giving.

Att söka form

Previously when I have made proposals for privately owned gardens, I have found it difficult to find strong, extensive designs and to work with room and space. Since this is the field within which I am going to work in the future I feel that I need more experience, reference material and ideas on how I, in an early stage of the working process, can work with and consider room and space. The aim of this project has therefore been to procure experience, reference material and ideas for design of a garden in relation to space. To procure experience and reference material I have, during the fall of 2008, made two incredible study tours to France and to Japan. I have interviewed the landscaping architect Maria Arborgh and studied literature. I have also used a garden outside of Gothenburg in which I have been able to try out different thoughts and ideas regarding shape that have appeared during the course of my work. My conclusions about landscaping are that you should first find the different functions in the garden. The next step is to find an overall theme or shape, use a small number of materials, build a room with sealing, walls and portals with the help of vertical elements e.g.

Optimering av slutfasstyrning

Modern missiles must meet higher and higher demands. They should be autonomous, have long range and still have a big effect on the target. To maximize effect on target some missiles not only minimize miss distance, but also try to hit with a certain angle; often perpendicular to the surface of the target. In this thesis a method to guide the missile in the terminal phase of its mission where both point of impact as angle of impact are specified. The method consist of two parts.

Klimatneutrala företag - kan IT minska utsläppen?

The attention on environmental issues has never been as huge as today. The climate is changing and more and more evidence suggest that the cause behind climate changes is an increase of carbondioxide into the atmosphere. The increase in turn is considerd to be an act of human activity. Therefore some companies have decided to become climate neutral and implement information technology in their business in order to reduce their emissions. This thesis has three aimes: to calculate a small company´s carbondioxide emissions, study whether or not information technology could help to reduce these emissions and furthermore find out why some companies decided to become climate neutral and describe the concept climate neutral.

Den är ju liksom tuggad någon annanstans: Barnbibliotekariers upplevelser av barns och ungdomars ålagda frågor under referensintervjun

The purpose of my Masters thesis is to investigate how childrens librarians in public libraries perceive and meet imposed queries during the reference interview with children and young people. What do childrens librarians think about imposed queries from children and young people? What problems can arise during a reference interview with children and young people, and what strategies can be used to solve them? How can childrens librarians prepare for imposed queries from children and young people that have arisen in school related situations? The study was carried out at public libraries in Sweden. In the review of the literature results from prior research and other relevant material are presented. The theoretical framework includes a communication model on imposed queries developed by Gross, and two other models Levels of Mediation and Zone of Intervention, developed by Kuhlthau.

Digitala kvitton och dess framtida tillämpningar

Consumers today leave a fragment of information when they pay with their debit and credit cards. The aim of our work is to investigate ways to design a concept of a system in which digitally stored information that today is fragmented among several different holders, can be assembled into a system and made available to consumers. In our study of how a system for financial flow of information should be designed, we intend to study the present situation and the attempts made to alter it into a more informative reality. We intend to investigate the flow of information when a consumer pays by card, and the possible solutions regarding the design and transportation of digital receipts. A majority of the information of our digital consumption is today handled digitally.

Avskaffandet av revisionsplikten : En studie om vilka faktorer som påverkar små aktiebolags val att ha kvar revisionen

Background: With the removal of audit requirement for companies in Sweden from the first of november 2010, a lot of companies has chosen not to keep the audit requirement. So far 57 percent of the small companies has chosen to keep the audit, in spite of that they don´t need to which led us to the problem statement: Which are the factors that affect a small limited company to choose to keep the audit, in spite that now there is a possibility to choose not to use audit anymore?Purpose: The purpose of the essay is to examine why small limited companies choose to keep the audit, in spite that now there is a possibility to choose not to use audit?Method: This research founds itself in a qualitative study with a deductive research approach. We have been studying secondary data in books and articles and preformed 29 phone interviews with small ltd company owners in Sweden. The selection consisted of 14 companies with credit debts and 15 companies without credit debts.

Snabblån : De lege lata och de lege ferenda

Utveckling på kreditmarknaden har gett upphov till nya kreditformer. Ett exempel på en sådan kredit är snabblån. Snabblån utmärks av att det är kortfristiga lån på låga belopp som konsumenterna erhåller inom en kort tidsperiod. Vidare är låneprocessen enkel. Statistik från Kronofogdemyndigheten visar att antalet betalningsförelägganden med grund i snabblån har ökat (se bilaga) och regeringen hävdar på basis av statistiken att samband mellan snabblån och överskuldsättning föreligger.

Analys av parathormon och joniserat kalcium i blod hos hund :

The calcium homeostasis in the body is normally strict regulated to be kept within very narrow limits. This regulation is due to the action of parathyroid hormone (PTH) which is synthesized in the chief cells of the parathyroid glands. In different diseases, the calcium homeostasis is disturbed and this could either be due to a dysfunction of the parathyroid gland itself, or it could have a completely different explanation. To investigate disturbed calciumhomeostasis, ionized calcium and PTH can be analyzed from a blood sample. There are a lot of different assays to measure PTH in humans.

  Bild, musik och rörelse i engelskundervisningen i årskurserna 1-6 : Kan bild, musik och rörelse främja lärandet i engelska i årskurserna 1-6

This is a qualitative study aiming to find out how and why teachers work with art, music and movement in the English subject in the early years. In this study we have conducted a background study of previous research and as a starting point and as a point for reference we have relied on education policy documents like The Common European Framework of Reference for Languages and the Swedish curriculum for the English school subject. Our research has consisted of interviews with six teachers and ten observation occasions in a total of three different primary schools. Our result show that there seems to be a consensus in both theory and praxis when it comes to integrating art, music and movement in learning and teaching of English in the early school years. The use of methods including art, music and movement in early language learning seems to promote the language development for all students but especially for young learners that require extra support for their language development.

Solel och solvärme ur LCC-perspektiv för ett passiv-flerbostadshus

This master?s degree project concerns the combination of a multi dwelling passive house with solar energy for the generation of electricity and domestic hot water (DHW). Different alternatives with either solar thermal systems or photovoltaic (PV) systems are compared with two reference alternatives producing DHW from electricity or district heating. The economical comparison uses a life cycle cost (LCC) perspective based on the present value of expenditures for investment, energy and annual operating and maintenance.The energy yields from the solar energy systems were calculated by hand and with simulation software. Calculation and dimensioning of PV systems were carried out with a software called PVSYST.

Blinkbeteendebaserad trötthetsdetektering : metodutveckling och validering

Electrooculogram (EOG) data was used to develop, adjust and validate a method for drowsiness detection in drivers. The drowsiness detection was based on changes in blink behaviour and classification was made on a four graded scale. The purpose was to detect early signs of drowsiness in order to warn a driver. MATLAB was used for implementation. For adjustment and validatation, two different reference measures were used; driver reported ratings of drowsiness and an electroencephalogram (EEG) based scoring scale.

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