The aim is to develop a new decision-making model for credit-loans. The model will be specific for credit applicants of the OKQ8 bank, becauseit is based on data of earlier applicants of credit from the client (the bank). The final model is, in effect, functional enough to use informationabout a new applicant as input, and predict the outcome to either the good risk group or the bad risk group based on the applicant?s properties.The prediction may then lay the foundation for the decision to grant or deny credit loan.Because of the skewed distribution in the response variable, different sampling techniques are evaluated. These include oversampling with SMOTE, random undersampling and pure oversampling in the form of scalar weighting of the minority class.

The aim of this study is to examine how work at music departments in public libraries has changed with time. To analyze this, the role of music libraries as well as music library users, selection, holdings, acquisition and technological development have been examined. The examined data consists of qualitative interviews with music librarians and library assistants at public libraries in Sweden. To get a time perspective, handbooks and articles about music departments in libraries have also been analyzed.This study emanates from Sanna Talja?s discourse analysis of music libraries in Finland.

Bakgrund och Problem: Aktiemarknaden påverkas både av inhemska och utländska faktorer. Därför är det av intresse att se vilka makroekonomiska variabler som påverkar den svenska aktiemarknaden. Anledningen till att Sverige har valts som den geografiska punkten är att det är av intresse att se hur ett litet land som Sverige, som har en öppen ekonomi påverkas av de utvalda makroekonomiska variablerna.Syfte: Syftet med uppsatsen är att med hjälp av information samt analys, studera hur de olika makroekonomiska variablerna påverkar den inhemska aktiemarknaden. Olika faktorer som påverkar aktiemarknaden kommer att lyftas fram för att i sin tur även se till de olika branscherna.Metod: Då data enbart består av hämtning av tidigare information fokuseras det enbart på sekundärdata i form av historiska siffror samt historiska undersökningar. De statistiska tester som tillämpas är Granger Causality test, Johansens Cointegration test, Impulse Response Function test, ADF test, KPSS test, Mulitpel regression.Slutsats: Med de resultat som presenterades i denna studie, skulle vi nog inte kunna säga att vi har ett svar över vilka aktier en investerare ska införskaffa.

Abstract Cucumber is the second most frequently consumed vegetable after tomatoes, 33 % are eating cucumber every day. The purpose of this work is to examine if there is any product development of cucumber in Sweden, and if so in what way. A questionnaire was used with a number of questions regarding quality, origin, supply and the way cucumbers were used, and the person was also asked to choose between the normal large cucumber and the minicucumbers. This was answered by totally 100 persons in two different stores, ICA Maxi in Löddeköpinge and a discount store with a large supply of fruit and vegetables and where a large share of customers are immigrants, Özen All Frukt in Malmö. The results from questionnaire show that in some of the issues the results vary a lot between the two stores.

Membrane bioreactors (MBR) combined with biological phosphorous treatment (Bio-P) has been investigated if that could be an alternative to the future expansion with conventional active sludge treatment at Lundåkra wastewater treatment plant (WWTP) in the proximity of Landskrona, Sweden.The results showed that the surface demand in the biological treatment will be reduced with 67% with the MBR-alternative compared to a conventional activated sludge process. The nutrient removal in the MBR-solution was decreased or unchanged for nitrogen-, phosphorous- and organic parameters. However, the energy demand will increase with an estimated cost of approximately 1 million SEK annually. Moreover, the extra chemical consumption is estimated to cost 370 000 SEK annually.The disturbances caused by filamentous bacteria such as sludge dispersal could be resolved with MBR-technology because the membranes are not affected by these organisms. The Bio-P process combined with MBR-technology works if the wastewater recirculates from the membranes to an aerobic zone.In the proposal, there will be a new pre-treatment step, for instance hole screens.

The goal of this paper is to find out how solar cells can improve energy efficiency on-board M/S Sydfart. The paper is based on a number of energy measurements on board the M/S Sydfart. The solar surface is calculated by measuring the available space for installing solar panels. Global radiation data is taken from STRÅNG's database, the data is then used to calculate the theoretical power produced by the solar cells. Energy efficiency is analysed in two ways.

This thesis investigates how energy is used in three public baths today and suggests measures that could reduce the energy demand. The results show that there is a great poteltial for energy savings i public baths, and that it would be interesting to examine some of the proposed measures further..

External forces have significant impact on organisations. This study analyzes the implications of one type of external forces in aid-focused NGOs through two qualitative case studies where it is investigated if Sida?s reporting requirements have the intended effects: learning and control using a theoretical framework where it is recognised that the requirements may also result in dysfunctional behaviour: decoupling and colonisation. The study shows that when the demands are the result of institutional pressure rather than an ambition to generate learning and control, the demands tend to be unrealistic and the NGOs therefore decouple the formal fulfilment of the demands from the actual activities. It is argued that a partnership, which incorporates trust and dialogue, is a prerequisite, not only for learning, but also control.

External forces have significant impact on organisations. This study analyzes the implications of one type of external forces in aid-focused NGOs through two qualitative case studies where it is investigated if Sida?s reporting requirements have the intended effects: learning and control using a theoretical framework where it is recognised that the requirements may also result in dysfunctional behaviour: decoupling and colonisation. The study shows that when the demands are the result of institutional pressure rather than an ambition to generate learning and control, the demands tend to be unrealistic and the NGOs therefore decouple the formal fulfilment of the demands from the actual activities. It is argued that a partnership, which incorporates trust and dialogue, is a prerequisite, not only for learning, but also control.

Despite the fact that women become more and more present in the private sector they still are heavily underrepresented in top positions. The cause has been debated and several explanations have been discussed. Although, many women have succeeded to reach top positions by making some more or less deliberate decisions that might have been decisive for their careers.The main purpose of this study is to analyse what women who aim for a successful career should be aware of regarding their choices of education and profession. Moreover, the importance of different circumstances for the development of women?s career opportunities has been inquired into.

A favourable economic situation in Sweden has lead to a very good market for agricultural real estates. The estate agents? ads in the daily newspapers, where they actively are seeking assignments, give a hint that the supply is smaller than the demand for agricultural real estates. This situation ends up in a competition between real estate agents to get as many assignments as possible to meet the demand from the market. Describing and explaining the sellers? decision process may give a specific agent an advantage towards other agents.

Cuttings of Lonicera xylosteum L. were treated with willow extract to study the response in rooting capacity. The extracts were prepared by mixing chopped pieces of Salix x smithiana Willd. with water in a warring blender. The investigation comprised 2 types of salix extracts based on differences and dynamics between twigs in winter dormancy and twigs with new shoots. To explore the rooting response, three tests were made.

Denna studie syftar till att undersöka om den grundläggande synen på identiteter USA:s ledande politikers besitter går att utläsa i strategiskt viktiga tal med koppling till USA:s insats i Afghanistan. Syftet är också att undersöka vad dessa synsätt haft för inverkan på konfliktrelationerna i detta fall. Den besvarar därför vilken grundläggande syn George W. Bush och Barack Obama uppvisat gällande identiteter. Den berör också vilken påverkan dessa identitetssyner haft för USA:s konfliktinställning och hur det förklarar konfliktutvecklingen.För att besvara dessa frågeställningar presenteras ett teoretiskt ramverk bestående av Carol Bacchis teori om problemformuleringens betydelse samt de essentialistiska och konstruktivistiska perspektiven.

Bakgrund: Det senaste decenniet har allt fler stormarknader och lågprisbutiker öppnat vilket har lett till att de mindre livsmedelsbutikerna blivit utsatta för större konkurrens. Parallellt med att stormarknaderna tagit marknadsandelar i dagligvarubranschen har även större fokus riktats mot ökat samarbete och informationsdelning i försörjningskedjan, så kallat Supply Chain Management (SCM). Inom dagligvarubranschen har Efficient Consumer Response (ECR) utvecklas ur samma idéer som SCM men med fokus på livsmedel och dess försörjningskedjor. I grund och botten handlar ECR om företagens gemensamma arbete för att integrera verksamheter, minska kostnader samt producera största möjliga nytta för slutkonsumenten. Med tanke på den ökade konkurrensen i dagligvaruhandeln samt det faktum att det finns ont om tidigare forskning om små och medelstora företag (SME:s) relaterat till SCM/ECR, är det intressant att undersöka hur dessa företag påverkas av samarbetet.

Energy efficiency has become a very topical issue that has been discussed throughout the European Union for preventing negative environmental impacts that have been associated with the consumption of energy. In the residential sector have mainly municipalities set strict requirements for the reduction of energy consumption while the renewable energy has been asked. Different concepts of low-energy buildings have been developed to reduce the cost of operation and maintenance in existing buildings such as in new ones.This thesis has aimed to minimize the energy cost of a large building which has had low energy consumption features originally. Energy reviews has been initiated in order to be able for showing how the house electricity could be carried out even more efficiently.The work was initiated through a literature study to clearly increase the reliability on the energy subject. Different concepts of low-energy buildings have been treated in connection with its specifications, afterward those have been compared with the obtained results.