Title: Nordea Life and Pension during financial crisis Subject: Business administration, Candidate thesis 15 p. Authors: Seyithan Öngörur och Adnan Yari Instructor: Peter Lindberg Date: 2010-01-13 Key words: Nordea, the financial crisis, advice, marketing, customer relationship Purpose: The purpose of the study is to provide an understanding of how the financial crisis has affected Nordea Life and Pensions market growth based on market share. We also want to give an understanding of what factors may be responsible for the outcome that it may be helpful in future financial crises. Method: A qualitative study was the basis for the study, where three interviews were carried out by the respondents from Nordea Life and Pension.  Theory: In this section we have focused on relevant theory and has divided them into different themes, advice, current legislation, marketing, consumption and buying behavior. Conclusion: The study shows that Nordea Life and Pension had a positive growth during the financial crisis and a number of factors are presented that may be the basis for the outcome.Proposal for further research: Since this study was limited to one company it may be intresting to investigate and examine the consuling industry market as a whole affected by the financial crisis. Contributions: This paper has provided an understanding of how Nordea Life and Pensions affected during a financial crisis, based on market share and the factors that may have been the basis for this..

This thesis studies public service social workers' opinions regarding their ability to act with moral courage as loyalty conflicts occur. The purpose of the thesis is to describe the social workers' experiences of their possibilities to stand up for what they believe in. We made qualitative interviews with five social workers in Stockholm. In an effort to pinpoint their experiences we asked them questions about what they want but cannot do and what is stop-ping them, what they do not want to do and why, aswell as what the possible solutions would be as loyalty conflicts occur. We were able to identify five different opinions on the organisa-tional cultures and how the employees' experience the extent of their actions.

AbstractInformation and information seeking have always been important parts of society. How behavioural patterns of information seeking manifest themselves are partly due to individual prerequisites and partly due to the practice where the seeking of information is conducted.The aim of this study is to investigate a group of newly examined physicians? experiences of information seeking behaviour in their educational practice and in their professional practice. The two practices are related to each other but still very different. This makes it interesting to study whether individuals? information seeking behaviour changes when they move from the educational practice to the professional.The theoretical framework for the current study is a socio-cultural one.

In today's society, consumers get in touch with hundreds of advertising messages a day from companies. It is up to the consumer to choose the messages they want to listen to and ignore the ones they want. Today, there is an advertising saturation and this has implications for both producers and consumer. Companies must be innovative and come with fresh ideas to get us consumers to pay attention to their particular message.  It is through the marketing that companies have an opportunity to spread their message.

Our purpose of this paper is to seek an understanding of which service quality factors that affects customers in their decision making progress regarding purchasing financial services such as pension products. We also seek to evaluate the different service quality factors by compare their relative strength against each other. The study aim to investigate if there are any connections between customer behavior variables such as gender, age and income in comparison to these service quality factors related to pension products.The findings aim to help a small financial institute such as our case company Plain Capital to understand how their customers experience service quality regarding pension products.In order to find empirical results we conducted a qualitative research as well a quantitative research. The qualitative research employed both a focus group interview with pension savers and an interview with our case company Plain Capital. We were able to identify the service quality factors for pension?s products with help from the focus group interview.

The study aims to investigate the impact of industrialised homebuilding in the creation of the aestheticproperties of the dwelling architecture.The concepts of industrialised homebuilding and the aesthetic properties of the dwelling architecture aredefined by previously developed models. In these models, industrialised homebuilding is described byeight characteristic areas. The aesthetic properties of the dwelling architecture are described by sevenaesthetic qualities.The study was conducted as a qualitative study, and in-depth interviews were conducted. The companyJM AB is the analysed unit that the author of this report has chosen to study. JM employees and by JMhiredarchitects were interviewed.The report concludes that characteristic area planning and control of processes are considered to havepositive impact on the aesthetic qualities if the process is designed in such a way that the creations ofthese are admitted.

The aim of this study was to elucidate day surgery patients´ subjective experiences of postoperative pain after orthopedic and abdominal surgery and if there was any difference in the experience according to sex and age.Selection was not random and the study included 87 patients. Data were collected from patient questionnaires. VAS method was applied in the questionnaire to measure patients´ pain.The outcomes of the study show that there was no significant difference between women´s and men´s experiences of pain during days 1-7.It was found that patients undergoing orthopedic surgery had significantly more pain on day 7 compared to those patients who underwent abdominal surgery.There was a significant negative correlation between age and perceived pain on day 7.Patients in day surgery group had significantly less pain on day 7 compared with day 1.The patients who have undergone orthopedic surgery and younger patients had more pain on day 7 while the patients in day surgery group had a pain level decreased gradually and on day 7 was the lowest.It appears that pain relief on day 7 of younger patients and patients who have undergone orthopedic surgery is an area that can be improved..

Background: Sweden is one of many countries which have a long history of immigration during the past decades. Each yearSweden receives numerous immigrants from different parts of the world, which has madeSweden to a multi-culture country.Aim: The aim was to describe nurses? experiences of encounters with patients from different cultures.Method: A literature-based study based on qualitative research, nine scientific articles were performed.Result: The analysis of the data resulted in four themes such as; insufficient communication, family members as a link to the patient, unfamiliar situation, and attentive to the patients? vulnerability with seven subthemes.Conclusion: For a well functioning encounter between nurse and patient from different cultures, a prerequisite is that the nurses establish a relationship based on good communication with the patient and relatives. This can prevent inequality, suffering based on lack of nursing, violation and misunderstandings..

The object of this study was to meet with offenders and victims of crime who recently participated in victim-offender-mediation, in order to explore their experiences and feelings about it. The method of research was individual qualitative interviews with two offenders and two crime victims. The main questions aimed to find out how the participants felt about the mediation process, what experiences they had about the person they had to face during the meeting, and finally what thoughts they had about the crime and its consequences. In helping to analyze the results of the interviews,Reintegrative Shaming Theory and Theories of attribution were used. The former was used to try to explain the feelings resembling shame that emerged during the meeting, while the latter was helpful in order to understand the descriptions the participants used when they talked about the other person.

The world is currently facing a huge severe challenge in handling the issue of climate change. One of the ways to lower the green house gas emissions, which is seen as one of the main contributor to the climate crisis, is to use renewable technologies such as for example photovoltaic (PV) systems. PV-systems are also suitable for so called micro production, small scale energy production facilities, since it can be placed on practically any rooftop with the right solar conditions. In Sweden the usage of PV-systems has not yet gotten any wider spreading, even though the solar radiation conditions are very similar to countries that produce a lot of solar energy, as for example Germany. The aim of this paper is to describe non-adopter perceptions of PV-systems. The study holds a qualitative approach using deep interviews for data collection.

Today the internet has become a meeting place for people seeking advice and experience from other individuals. Internet also offers opportunities to send out information to large groups of people, which are at a geographical distance. A large increase of websites for parents has been seen in the recent years. On the largest Swedish website for parents, Familjeliv.se, approx. 40 000 posts are posted daily in the discussion forum.

When single-family lots are valued for development of new residential areas,the valuation is influenced by several factors. The valuation is a matter ofdefinition that varies according to its interpreter. Previous research conductedin other countries, has identified a number of value-influencing factors. Thesefactors are the basis for this study.The study's purpose is to highlight the value-influencing factors thatcustomers value and are looking for in the choice of single-family lots. Thestudy also seeks to determine if there is an unknown difference between howprofessionals and clients value single-family lots.The study showed that the value factors considered important for customersand also professionals are consistent and applicable with the factors reportedfrom previous research.

This essay examines resident experiences and notions of the Gotland countryside and their ideas about the future. In particular the countryside is studied as both space and place. In space and place people interacting. People are therefore important components in the study of the landscape. One can say that the landscape and the interaction between people affect resident experiences and notions of the countryside, as well as people certainly affect the landscape.

The purpose of this essay was to examine what Ungbo in Kalmar has meant for the adolescent from their point of view and to examine the social workers opinions of Ungbo.My questions were: What expectations did the adolescent and the social workers have on Ungbo? How has these expectations been fulfilled? What expectations does the social workers think the adolescents has on Ungbo? How is the impact of involvement for the adolescents when planning the living environment in Ungbo? What changes has Ungbo brought to the adolescent? What changes has Ungbo brought in the work of the social workers? What does Ungbo mean for the adolescent? What does Ungbo mean for the social workers and what experiences does the social workers have on the importance of Ungbo for the adolescents? How has the teamwork been working around the adolescent during the time at Ungbo?The questions were answered by asking four adolescents and two social workers with their experiences of Ungbo. My study showed that Ungbo was of importance for the adolescents that has been a part of the project, but it is also important in the work of the social workers. The adolescents noticed a change in them selves after their stay in Ungbo. The social workers were positive to Ungbo but they felt a need for others resembling activities in Kalmar..

This study examines retail atmospherics from a reality perspective. The topic "special exposure" has received research interest in the past but it has not been recognized as a critical consideration in the daily retail business. Too many retailers leave assortment decisions to thumb rules or trial and error. The highest aim of this study is in addressing that gap between theory and practice. To catch the attention of the customer is important in supermarkets because most grocery purchase decisions are made at the point of purchase.