Banks are an important institution for the economy of a society. During the later years the world of banking has changed. Several new actors have entered the market and taken over traditional bankservices as well as new ones. The way of conducting banking has changed with the event of new technology. One of the banks customer segments, the students have also been under a change.

Authors: Patrik Jäverbo & Jon LindheTitle: Greener on the other sideLevel: Bachelor of JournalismLocation: University of GothenburgLanguage: SwedishIn later years the strict laws and policies surrounding cannabis use have been questioned around the world by several influential leaders, among them US president Barack Obama and former UN secretary general Kofi Annan. It has been argued that the ?War on Drugs? has done more harm than good and in some American states and a number of European countries the drug have been legalized or decriminalized. Everybody does not agree however, that legalization is the best course of action and in Sweden the emotions have sometimes run high in the discussions taking place in television shows and newspapers.The purpose of this study is to examine the image media portrays of cannabis; based on the theory that mass media is an important influence on the individual and the way in which he or she views the world. To put the result into a context the Swedish media image will be compared with the one in Denmark and Norway.

Dagens film och spelkoncept inom genrerna science fiction och fantasy börjar likna varandra mer och mer och för oss känns inget längre annorlunda. Genom att basera dem på historiska samhällen och kulturer hoppas vi på att bryta normen. Vi hoppas att med detta som grund kunna skapa realistiska och trovärdiga folkslag som skiljer sig från det som funnits tidigare. Detta examensarbete handlar om konceptutveckling av en fiktiv värld och tre fiktiva folkslag. Konceptet skall kunna appliceras på både film och spel men även litteratur eller andra medietekniska områden.

It is important that organizations today focus on continuous improvements in order to face the growing competition in the world. A company needs a corporate culture that supports and encourages the employees to be creative and innovative in their work. This is necessary for the company if they are striving towards continuous learning and development within their organization.The main purpose of this paper is to investigate how the culture differences between Sweden and China affect Sandvik AB. We will also study how the company manages continuous improvements and what consequences culture differences have on their work.Our paper is a single case study at Sandvik AB in Sweden and China. We have visited Sandvik in Sandviken to conduct a series of interviews with employees of different position within the company and with dissimilar work tasks.

In this study, I will discuss Hegel?s words on the death of God as they are stated in his Phenomenology of Spirit and Faith and Knowledge. I will present a reading of what I consider to be the two different usages of these words, and relate their meanings to each other. Focus lies on what Hegel refers to as the ?unhappy consciousness? and its experience of a disenchantment of the world, and on Christianity as the answer to this position.

Ever since Internet revolutionized the world, e-stores and e-commerce has grown into becoming a natural part of consumer's everyday life. Much thanks to it's facilitative and time saving characteristics. Online, consumers are provided with a huge assortment and the opportunity to shop any time they like. Yet, the absolute greatness of e-stores is the possibility to push prices below the physical store price, which seems to be most appreciated to a large extent by consumers worldwide. The fact that e-store sales in Sweden grew 14% last year verifies this.As more players step into the virtual world of e-commerce the competition gets tougher.

The aim of this thesis is to create an understanding of the incentives for forest companies to invest in reducing carbon dioxide emissions from deforestation and forest degradation, which is termed REDD. The Brazilian Amazonas was chosen as the base for the investment case. Brazil has the largest area of rainforest in the world, and also the biggest problem with deforestation. The Amazon region of Brazil comprises rainforest which is largely intact and unexploited. Accordingly, there is significant potential scope for prospective investments in a REDD-project, and so have a noteworthy impact in preventing deforestation.The research approach used the United Nation?s Clean Development Mechanism concept was used as a framework for ascertaining the investment costs in potential REDD-projects.

The purpose of this essay is to critically review Pierre Bourdieus contribution to agency ? structure debate. I will do this with help from the thinking of George Herbert Mead. My aim is to show that Mead can provide valuable knowledge to Bourdieus theory.Pierre Bourdieus notion of habitus is his solution to the dilemma between agency and structure. It is in the habitus that the objective structures meet the inner, subjective structures and this results in various actions.

Det har beskrivits hur upplevelserna av anknytningen till barnet kan variera beroende på mammans levnadshistoria. Med hjälp av anknytningsteorin förklarades anknytningsmönstrets betydelse för hur det sociala samspelet med omgivningen ser ut. Syftet med studien var att beskriva mammans upplevelser av att ej kunna knyta an till sitt nyfödda barn och problemområdet belystes med hjälp av självbiografier i en kvalitativ litteraturstudie. Resultatet redovisades under följande fyra kategorier: anknytningen blev inte som förväntat, prestationsångest och osäkerhet i mammarollen, känsla av att inte vara en bra mamma och ville inte vara med barnet. Slutsatsen blev att mammans upplevelser behöver lyftas fram och tydliggöras så att sjuksköterskan kan hjälpa igång och stödja mamman för att den livsviktiga anknytningen skall kunna slå rot..

In this report the two authors, and project contributors alike, describe their work withdeveloping a solar cooker intended for usage in the developing countries of the world.Specifically, the work aims at developing a new, solar heat driven cooking device, possiblybased upon the current product. This should, in comparison to the current product, be lighter,easier to transport and to produce. Also, the new product?s production mustn?t be more costlythan today and the included materials and components must be obtainable from within theBolivian national borders where the product is currently produced. During the project, certainadvantages with a more efficient, and, above all, a more moderately priced product, werediscovered.

Syftet med arbetet är att kartlägga aktörers agerande på avreglerade marknader. Vi vill undersöka hur konkurrensen ter sig och om det finns likheter mellan olika avreglerade marknader. Detta gör vi genom att undersöka tre olika branscher, el, post och radio Arbetet är en blandning av kvantitativ och kvalitativ undersökning. Vi har använt oss en bred informationshämtning för att erhålla en bra grund för vårt analysarbete. Arbetet inleds med en induktiv ansats för att sedan fortsätta med en deduktiv ansats.

Ämnesord: Earnings management, loan loss provisions, konstaterad kreditförlust, Basel II,kapitaltäckning, bank, noterade, onoteradeBakgrund och problem: Justering av resultatposten loan loss provisions är ett vanligtförekommande verktyg för earnings management inom banksektorn. För att öka stabiliteten inombankväsendet så infördes kapitaltäckningsregleringarna Basel I år 1988 och år 2007 uppföljarenBasel II. Den senare antog en mer principbaserad roll och innebar en ökad kontroll och tillsyn avbanker. Det är därför intressant att studera huruvida Basel II har haft någon effekt på redovisningenskvalitet och därmed lett till reducerad earnings management.Syfte: Studiens övergripande syfte är att undersöka effekterna av genomförandet avkapitalregleringen Basel II på resultatposten loan loss provisions och earnings management inomdet svenska bankväsendet. Vidare studeras noterade samt onoterade banker för att utröna om detföreligger en skillnad i dess sätt att hantera loan loss provisions.Metod: För att uppnå syftet med studien så har en kvantitativ metod tillämpats.

We are more aware than ever about our impact on the common environment and the world's population. Consumption awareness can be one way to take social and environmental responsibility. This study aims to examine young adults' (19-30 years) attitudes toward consumption awareness in Sweden. Consumption awareness is treated in this study as the consumption of environmental and fair-trade labeled products that have been certified of a third party. The study is limited to everyday commodities, which in this case is groceries, household consumables and clothing.

This study deals with the distinct difference in media attention the earthquake-disaster in Haiti and the flood-disaster in Pakistan got in 2010. There may be many reasons to this divergence, but this study focuses on how news articles can create compassion.   This study, with its critical perspective, examines how two daily papers in Sweden portray the suffering of the victims of the catastrophes in Haiti and Pakistan, and create compassion for them. Furthermore it asks the question who benefits from the newspaper?s description of human suffering in the third world.   The result shows that the manner of which Swedish daily newspapers report from the catastrophe in Haiti creates an emotional involvement, which most likely leads to compassion. Furthermore it shows potential to lead the readers to identify with the suffering people in Haiti.   The Swedish daily newspapers report of the catastrophe in Pakistan on the other hand, does not involve the reader on an emotional level, but gives them the role of a spectator.

Study objects: Three different productions companies which the authors have chosen to be anonymous. Purpose: The purpose with this study is to examine why production companies choose to use 3D-animations in television commercials, and what different kind of aspects affects their decisions. Theoretical: The theoretical chapter reviews the history of 3D-animation andtelevision commercials and other fields that will be relevant laterin the analysis and discussion. Method: A case study has been made on three different companies, two of the companies are active in post-production and the other one is active in the consulting area. Data was collected through semistructured interviews with two of the companies.