ABSTRACTTitle: Basel II ? The New Basel Capital Accord and its influence on small Swedish banks and their retail banking and risk management.Seminar: May 24th, 2007Course: FEK318 Bachelor thesis in Business Administration, 10 Swedish creditsAuthors: Mattias Kjellberg, David Uhlmann & Ivana ZubacAdvisor: Joakim WinborgKeywords: Capital cover, capital requirements, Basel II, credit giving, credit risk, risk management, retail banking, small banks, pillar 2Problem: What influence does Basel II and the new updated management of credit risks in pillar 1 and the active risk control in pillar 2 have on small Swedish banks retail banking?Purpose: Our essay seeks to explore what influence pillar 1 and the new updated management of credit risks in the new capital accord Basel II have on small Swedish banks and what influence pillar 2 have. We also want to explain if Basel II has influences on small Swedish banks credit analysis and possible effects in their risk management and pricing.Methodology: In our essay we use an inductive approach and our chosen research method is the qualitative one. We have chosen to look into four small Swedish banks, and the empirical data is obtained from telephone interviews with selected respondents from Länsförsäkringar Bank, SkandiaBanken, GE Money Bank and ICA Banken.Conclusions:? The work with credit scoring does not get influenced by Basel II if the Standardised Approach is chosen.? Banks that?ve early implemented high technological systems in the organization, that small banks normally do, have gotten an easier transition to Basel II.? Basel II will result in a risk adjusted pricing and a more fair credit market.? Internal Ratings-based Approaches is very demanding to develop, but at the same time it?s a more risk sensitive approach.? Pillar 2 results in a more sophisticated work for the small banks.? Basel II results in a further price press on residential loans in Sweden..

The purpose of this paper is to examine how the target to convert the Swedish military aviation industry towards working within the civilian sector was planned and implemented parallel to the target of building a world-class military aircraft. A number of Government bills have been studied, bills directly connected to the JAS-project as well as bills dealing with civilian project ?s for the military aviation industry. The first group includes bills dealing with the JAS-project ?s role in the overarcing defence policy, as well as the Government ?s bill specifying the guidelines for the JAS-project.

Bakgrund: Palliativ vård är ett förhållningssätt som syftar till att främja livskvalitet hos patienter och deras närstående när de drabbas av problem som kan uppstå vid livshotande sjukdom. Många döende önskar att få vårdas i hemmet och utvecklingen av den palliativa vården har lett till att allt fler människor också avlider i det egna hemmet. Närstående är en central del i den palliativa vården i hemmet och det beskrivs att de är i en utsatt situation när de tar på sig dubbla roller i att både finnas där som partner, vän eller familj samtidigt som de tar på sig ansvar att vårda den sjuke i hemmet.Syfte: Syftet var att beskriva närståendes upplevelse av palliativ vård i hemmet.Metod: En litteraturöversikt har genomförts med sökning i databaserna SwePub, PubMed och PsycINFO. Åtta vetenskapliga artiklar, samtliga kvalitativa och baserade på forskning från Sverige inkluderades för resultatet. Artiklarna var publicerade mellan 2003 och 2014.Resultat: Resultatet presenteras i fyra huvudteman; Upplevelse av ansvar, , upplevelse av att närståendes egen situation påverkas, upplevelse av den kommande förlusten och upplevelse av stöd från vårdteam och omgivningen.

Sammanfattning*Denna uppsats betraktar begreppet arbetskraftsuthyrning ur olika synvinklar. Ur arbetstagarperspektivet görs detta genom att jämföra arbetsrättsliga villkor mellan inhyrd och traditionellt anställd personal samt redogöra för vad som händer med en arbetstagares olika förmåner när dennes anställning övergår från beställaren till uthyraren. Dessutom undersöks arbetstagares rättsliga möjligheter vid uppsägning som har sin grund i organisationsrelaterade skäl vilka resulterar i inhyrning. Ur beställarperspektivet undersöks vilka begränsningar som finns för inhyrning av arbetskraft i fall då egna anställda hävdar företrädesrätt till anställning. Slutligen undersöks uthyrarens möjligheter att säga upp personal på grund av arbetsbrist.Det framkommer att det är svårt att helt likställa inhyrd personal med traditionellt anställda.

The main purpose of this essay is to investigate if Latvia´s pattern of trade has become more similar to the mature market economies, after Latvia´s independence 1991.Today, the intra-industry trade (IIT) dominates the trade of mature market economies. One of the pioneers of intra-industrial trade is Paul Krugman, who was the first to emphasize the importance "of scale and consumers' desire for variety" in explaining the basis for modern commerce. Customers get more variety and usually cheaper goods when the market gets bigger. I mainly use the modern trade theories to explain the trade pattern in Latvia. To measure how Latvia has developed its intra-industry trade, and thereby is approaching the mature market economies´ trade pattern, I use the Grubel-Lloyd index (GL-index).

Kranskärlsoperationer är idag ett vanligt förekommande kirurgiskt ingrepp. Årligen opereras 4200 personer i Sverige. Studier har visat att patienters upplevelser efter en genomgången kranskärlsoperation många gånger är komplicerade, med ökade behov av support och besvär såsom minnesstörningar, nedstämdhet och fysiska besvär. Syftet med studien var att belysa patienters upplevelser ur ett livsvärldsperspektiv efter genomgången kranskärlsoperation. Upplevelserna speglade tiden på sjukhuset och upplevelser i hemmet efter operationen.

Sweden has a natural gas grid extending along the west coast, from Trelleborg to Stenungsund. There are also several smaller local networks where a planned natural gas pipeline from Skutskär to Hofors prompted the need for a comprehensive study. This study examines the linkages that exist in terms of technology and market of natural gas and biogas in Sweden. Sweden has set high targets for the future with ambition to become independent of coal and oil as energy sources. Since 1985, a part of the solution has been import of Danish natural gas.

Bakgrund: Diabetes typ 1 ?r en l?ngvarig sjukdom som kr?ver omfattande egenv?rd f?r att undvika komplikationer p? l?ng och kort sikt och f?r att ha en god livskvalitet. Traditionellt har synen p? patientutbildning varit att kunskaps?verf?ring fr?n v?rdpersonal till patient resulterar i ett l?rande och d?rmed i god metabol kontroll. Nyare forskning visar d?remot vikten av att f? bearbeta de emotionella aspekterna, att kunna acceptera sjukdomen och integrera den i livet.

Kranskärlsoperationer är idag ett vanligt förekommande kirurgiskt ingrepp. Årligen opereras 4200 personer i Sverige. Studier har visat att patienters upplevelser efter en genomgången kranskärlsoperation många gånger är komplicerade, med ökade behov av support och besvär såsom minnesstörningar, nedstämdhet och fysiska besvär. Syftet med studien var att belysa patienters upplevelser ur ett livsvärldsperspektiv efter genomgången kranskärlsoperation. Upplevelserna speglade tiden på sjukhuset och upplevelser i hemmet efter operationen.

This thesis explores how Muslim youths? lifeworlds are depicted and narrated in the following two studies on Muslim youth in Sweden and Denmark: Muslima (2007) and Samtidsislam (2010). The aim of this thesis is to answer the following question: In what ways do these works treat the aspects of the lifeworlds that are being highlighted in their studies of Muslim youth in contemporary Sweden and Denmark? An underlying aim is to analyse the results within the framework of theories of socialisation, cultural emancipation and rituals and traditions.With a hermeneutic approach I analyse the texts and operationalize the research question into four themes: the effects of socialization, cultural emancipation, rituals and traditions and secularization. The texts are treated in the analysis with textual analysis and hermeneutic method.

The UN was established after the Second World War. The organization?s primary goal was to maintain peace among all nations. When the UN intervenes in other states affairs, it is violat-ing the principles it is set to defend, principles of non-intervention and respect for sover-eignty. The outcome from such interventions is very important, a result that can legitimize the action.

Demands on businesses are constantly increasing and the competition in the market-place is becoming ever tougher. To gain the long-term confidence of customers, not only the best businesses, but also the best supply chains are required.Volvo Cars is experiencing a changing competitive situation and their retailers are having trouble stocking the right spare parts. Shorter product life cycles and the growth of Volvo?s product program result in an increase in the number of spare parts to be stocked. In order to adapt to market trends and meet customer demands, Volvo has developed the LDC model, establishing a number of regional warehouses in strategic locations in Sweden, de-signed to supply spare parts to the regions? retailers through so-called Vendor-Managed In-ventory (VMI).The purpose of the study is to examine Volvo personbilar Sverige?s (VPS) motivation for a modified customer-service strategy through LDC.

The governing set of regulations for structural engineering in Sweden used to be Boverket, BKR. However in the beginning of the 21st century a changeover to new regulations, the Eurocodes, started.The transition was completed in year 2011 when the Eurocodes became the mandatory design work policy for all countries within the European Union. The Eurocodes were implemented to simplify and remove potential barriers to trade that may exist when countries have different design rules.  Since the changeover it has been important for all construction companies to update their knowledge base and their design software.When comparing the two calculation processes they seem similar, but there are a couple of differences worth noting.  With the new regulations, engineers will find that the process when designing joints in timber structures has changed.  What used to be a fairly easy and straight forward calculation procedure has now become tedious and time consuming.The objective of this degree project is to present a product, a dimensioning tool that will help structural engineers when computing lateral load carrying joints in timber structures.The degree project is made up of two parts where the first part is the written report describing the background and theory behind load carrying computations. The second part of the project is the actual dimensioning tool which includes several worksheets in Microsoft Excel. The program treats single and double shear connections of the following:Nail jointsScrew jointsSteel plates (thick and thin types) The user can edit the following parameters:Type of plate/ number of shearsStrength class of timber membersMember and plate sizeType of fastenerDiameter of fastenerLength of fastenerYield moment of fastenerkmod and partial factors for design load carrying capacityThe dimensioning tool was created and developed in collaboration with structural engineers at the company Byggteknik AB.

This paper describes a factor analysis applied at the data of the European Union structural indicators. These are the official indicators for wealth and economic development in the European Union with main use to evaluate the outcomes of the year 2000 Lisbon goals for making the European Union the world?s strongest economy by 2010. The purpose of the data is to serve for comparing and ?learning by doing?-policies, but have, due to size and format, so far been hard to use for a good compare between member countries.

The purpose of this work was to provide a better understanding of urea?s decomposition and byproduct formation in an SCR system on heavy trucks. In my experimental setup with TGA-DSC-FTIR (a combination of two thermal analysis methods and a method for gas phase detection), an FTIR method for urea in the gas phase was developed for the qualitative and quantitative determination of urea and its decomposition products. Chemicals such as urea, biuret, cyanuric acid and melamine of p.a. quality were used in this method development. Beforehand, there was no FTIR method available to detect these substances; hence, the aim of this work was to develop an FTIR method to understand the degradation chain of urea. The combination of TGA and DSC was used for analysis of different samples, where urea, biuret, cyanuric acid and melamine in varying amounts have been weighted in for various experiments in order to study the temperature at which a phase transition or reaction occurs, i.e.