This study examines the effects of credit risk and information disclosure in the new bank regulating system Basel II on bank and bank customer. The effects are then discussed in a perspective of the economic man and information asymmetric theories. Furthermore is the Basel II effects on the capital adequacy of Andelsbanken för Åland examined.The approach of the study is qualitative and several interviews with individuals on different levels of the examined bank, Andelsbanken för Åland, have been carried out during the collecting of empirical facts about the effects of the regulating change from the Basel I system to Basel II.The research findings are as follows:Andelsbanken för Åland have increased its capital adequacy ratio from 12,7 percent to 14,4 percent, mostly due to lower risk weights on housing mortgages compared to Basel I. Andelsbanken för Åland have started to use a completely new credit risk and customer assessment system which classifies every customer and gives them a credit rating. The system cause a much heavier information gathering of the customers profile as well as a much better assessment of risk than the previous system, which the bank finds positive.

With the advent of a range of social networks, librarians all over the world have startedto ask themselves how this new technology can be used as a way to market theirlibraries. Today's information websites and search engines are difficult competitors forlibraries and information centers, and are forcing traditional information institutions tomarket themselves in new ways.Marketing theories have traditionally concerned themselves with money transactionsand marketing of specific services and/or products. Relationship marketing theories, onthe other hand, focus more on the relationship between the customer and the companythat produces the product or service. These two parties are seen as co-producers, andrelationship marketing theories tend to focus more on a win-win situation, than on thecompany gaining power of the customer. The relationship is the important thing, and thetheories concentrate to a great extent on how to nourish these relationships.This paper is a discussion about whether Facebook as a social network is a usable toolfor library marketing.

Denna kandidatuppsats är skriven i syfte att analysera hur väl företaget ONOFF i Södertälje informerar sina kunder om deras konsumentköprättigheter och hur missnöje vid okunskap kan förebyggas. Uppsatsens problemformulering är därmed hur väl informerar företag sina kunder och hur de kan klara av diskussionen med kunder om deras rättigheter enligt konsumentköplagen.Genom enkätundersökning mättes kundernas kunskaper om konsumentköplagen samtidigt som ONOFFs chef intervjuades för att få information om hur ONOFF informerar sina kunder om deras rättigheter. Dessutom undersöktes informationskällor från ONOFF som broschyrer och deras hemsida.Genom undersökningen har det framkommit att kunder inte alls är speciellt medvetna om vilka rättigheter de har. Personalen utbildas för att kunna informera korrekt men informationskällorna är inte fullständiga och kunder verkar inte angelägna att vilja ta emot juridiska kunskaper. Genom bland annat använda sig av teorier om Word of mouth och Customer delight kan ONOFF eventuellt minska missnöje..

When a child is hospitalized, it is usually more than one person who needs attention ? i.e. the child as well as its parents. The emergency ward environment and surgery rooms are unfamiliar and the parents feel anxious, insecure and uncertain about how to act. They are expected to participate in the child?s care, cope with their own anxiety and simultaneously convey a sense of security and stability to the child.

AbstractThe author Selma Lagerlöf was born in 1858 at Mårbacka, in Värmland and died in 1940. Fifty years after Selma´s death were her correspondence released and ten thousand of letters were found in the collection. But it was just the correspondence between Selma and Sofie Elkan who interested people because they wanted to know if Selma and Sofie have had a sexual relationship. Later, in time for Christmas 2008 the Swedish Television shows a film about Selma. "Selma Lagerlöf Society" was critical to the movie and thougt that the movie focused too much on Selma`s sexual orientation.

There are several treatment methods that are used by physiotherapists to treat migraine and tension type-headache (TTH). The effects of these methods have been evaluated in previous studies. However, there are few studies evaluating headache patients own perception of the treatment. The purpose of this study was both to examine the patient?s perception of the physiotherapy headache treatment and to examine if the treatment had effect on their quality of life.

Objective: To investigate the experiences of ambulance nurses when using Boussignac CPAPcompared to their previous model, and their suggestions for possible improvements in the use of CPAP in the care of patients with pulmonary oedema. Method: A qualitative study with a descriptive and exploratory approach. Data was collected through ten semi-structured interviews with ambulance nurses, seven men and three women. The analysis was conducted using Lundman and Graneheim?s content analysis.

Online shopping is growing and its turnover increases each year. Internet hastherefore become an important retail location for companies. Web shops lack thephysical room for marketing as well as face-to-face interaction between customer andsalesperson. Therefore there is a need to develop marketing and customercommunication methods for this way of shopping. In physical shops the customer hasthe ability to try on the garments and be pampered by the staff.

In recent years, the demands for effectiveness and evidence in social work have increased in all work areas, including that of healthcare. This has sparked the discussion on concepts such as practical- and theoretical knowledge and their respective roles in social work. In the light of this, the purpose of this candidate thesis is to investigate healthcare social workers understanding of practical- and theoretical knowledge in the working process as well as their respective influence and importance. This candidate thesis is based on three interviews with social workers from different departments in Norrlands Universitetssjukhus in Umeå, Sweden. To provide range to the thesis, the interviewees were chosen from a purposeful sampling.

The workplace is perhaps the most developed arena for prevention of diseases and injuries among employees. In addition, according to the Swedish Work Environment Act, the employer is responsible to address physical and psychosocial risk factors. Moreover, many employers use health promotion, primarily related to individuals and their ambition to maintain or improve health, for example through dietary means and exercise. The aim of this study is to investigate health inspirers in municipal activities and their perceived support and motivation in work related to health promotion at the workplace. A qualitative method was chosen where six health inspirers within Ludvika kommun were interviewed.

E-commerce is becoming more common in Sweden and many Swedes buy clothing and sporting goods online. Online fashion retailers offer a visually pleasing range of products, which places greater emphasis on the aesthetic design of the online retailer. This paper examines how the perceived credibility of an online fashion retailer is influenced by the aesthetic design through a first impression. This study was conducted through ten interviews where the informants observed, assessed, and then discussed the online fashion retailers that were used in this study. Results show that recognition of an aesthetic design and a perception of usability and professionalism affects the perceived credibility in a positive way.

Due to increasing international competition and new technology IT-consultants has been forced to oversee their business models lately. The main purpose of this study is to investigate the process and consequences of a shift in business model for a consultant by using a methodology based on action research. The empirical foundation consists of a field study with observations, notes, interviews and business related documents. The case describes a consultant?s process of shifting business model from profits based on man-hours to selling a standardized system.

Three main questions give the fundamental structure for this master thesis: 1) In what way is the notion of law being perceived in the following theologians respectively; David P. Scaer, Dietrich Bonhoeffer and Wolfhart Pannenberg? 2) In what way is the notion of law being perceived in the encyclical Veritatis Splendor? 3) Which similarities and divergences can be found in the respective expositions of the notion of law?For the purpose of comparison, I have employed four questions of analysis. These are: A) What is ?the law?? B) Is the law being effected, or is it working, in the world and if so - in what ways and for what purposes is it meant to serve? C) Does human beings have any capacities to understand and/or live in accordance to the law? D) Does the Gospel, perceived as the earthly life, actions, death and resurrection of Jesus Christ, effect any alteration with respect to the purpose, range, function or interpretation of the law?In order to better understand Roman-Catholic concepts of law, the treatise on law of Thomas Aquinas Summa Theologica is briefly presented.

Choosing a new plastic material for a container includes several different steps. In this case,the Finnish company Hackman needed a new type of packaging material for theircutlery- and kitchentool series »Hackman tools«. The project was carried out in cooperationwith the design agency Ytterborn & Fuentes, which has Hackman as a client.Several different demands were put on the material in order to fulfill as many of the clientswishes as possible. The most urgent problem with the existing container was the difficultysfor the customer to clearly see the contents in the container. Because of this problemthe customer tried to open the container in the shop.

Popular culture is a phenomenon of growing importance in the society today. Children and teenagers are increasingly using popular culture in their everyday life to reflect and answer questions about their identities and the meaning of life. Swedish primary and upper secondary schools are expected to prepare their students for adulthood and to provide them with tools to explain understand and problematize contemporary society. From this perspective it is relevant to question whether the schools achieve this and whether the instruction given there represents the contemporary society. For the purpose of knowing more about how popular culture is perceived and dealt with in the Swedish education system, this study examines how eight textbooks in Religious Education (RE) and the national curriculum for upper secondary school discuss and treat popular culture.  The study focuses on when and in what ways the textbooks mention popular culture and if the curriculum provides any supportive base for including popular culture in religious education.