Background: The Swedish Financial Supervisory Authority?s mortgage limitation, of mortgaging up to 85 percent of the market value of the real estate was introduced on the first of October 2010. The aim of the recommendation is to prevent a detrimental development of the market for mortgages while at the same time creating incentives for the consumers to limit the debt level. The mortgage limitation is a recently adopted recommendation and few studies have made a thorough analysis of its effects, hence it is an interesting topic to study.Aim: The aim of this study is to analyze the initial effects of the mortgage limitation for consumers, banks and estate agencies. Furthermore, the study aims to evaluate drivers of consumer debt levels and conclude whether the mortgage limitation will result in lower debt levels for consumers.Completion: The study is based on interviews with respondents from banks and with respondents from estate agencies to enlighten the initial and long term effects of the mortgage limitation.

This report describes the development of a web site for co-workers on leave of absence at Volvo Cars Engine AB and graduated students at Volvo Upper Secondary School in Skövde. The aim of the web site is to be a complement to existing communication channels in the promotion of the contact between the target group and the company. The work was divided into two parts; the first consisting of a preliminary study used to identify the information which the target group finds absent in their absence from their place of work/school, and the second part consisting of the development of a proposition of content layout and web site design. The finished proposition was presented along with a couple of alternatives for the technical implementation. The information department at Volvo Cars Engine AB in consultation with Volvo Cars IT will carry on the implementation, administration and further development of the proposed solutions..

SammanfattningI have looked into the possibilities for culture workers to integrate music in the schools traditional teaching. Through litterateur and interviews it appears that it is a lot of possibilities, but also obstacles. The greatest obstacle seems to be the lack of money, time and research. The possibilities come with an increased understanding between the occupational groups and a good function of coordination. The creative process and its possibilities in the school surroundings, is something that also is under discussion.Jag har undersökt möjligheterna för kulturarbetare att integrera musiken i skolans traditionella undervisning.

This study focuses on a reconstruction proposal of a small part of a rural churchyard that has lost a big part of its history, in form of its conformation and plant material. The chosen part of the cemetery was established in 1938, and this proposal is an interpretation of the architect?s original plan, the workers wishes and my own observations and experiences of the place. In this proposal I have tried to balance the plants composition to create an environment that can benefit the biological diversity, that fits the locations habitat and today?s maintenance.

Syftet i studien var att få en djupare förståelse för hur kvinnor som arbetar inom en mansdominerande industri förhåller sig till ohälsa. I bakgrunden presenteras kvinnor och mäns position i samhället samt hur kvinnlig sjukskrivning ser ut på ett nationellt och internationellt plan. Hur normer och synen på kvinnor ser ut och påverkas på en arbetsplats som domineras av män. Studier visar att kvinnor står för procentuellt högst antal sjukfrånvarodagar och att bidragande orsaker till detta kan vara biologiska skillnader.  Uppsatsen bygger på en kvalitativ ansats där sex intervjuer har använts som metod, detta för att få den djupa förståelse som studien annars hade kunnat gå miste om ifall andra metoder använts. Resultatet visade tydligt att majoriteten av de undersökta kvinnorna hade svårt att beskriva sina åsikter kring företaget.

Author: Karl LarssonTitle: Samverkan mellan skola och socialtjänst ? en studie i attityder och kunskapThe overall purpose of the studie has been to explore inter-professional work between social workers and teachers. The main focus has been on the link between attitude and knowledge. Attitude and knowledge has also been tested for any connection to age, gender, what kind of a teacher you are and for how long you have been a teacher.The collected data has been analyzed in a descriptive part, one part with correlations and in one part with t-tests. The terms samsyn (consensus) and attitude has been reviewed in its connection to the results.The study shows a significant correlation (0.222*) between knowledge and attitude.

The purpose of this essay is to identify the criticism that has been directed towards the traditional description of Judas Iscariot as a traitor. After a survey and analysis of the critical revisionists' arguments, a discussion follows regarding the possible effects this may have on future ways of describing Judas Iscariot.Based on the results that have been elucidated, this essay concludes that the traditional description of Judas in recent times has been forced to endure fairly strong criticism. To summarize this criticism, the main argument raised by today?s revisionists consists of linguistic and historical phenomena. According to these Judas Iscariot has been subject to a, according to some, deliberate demonization; where he over time has become portrayed as more blameworthy.

The purpose of this master thesis is to, with the strategies of the organization and the preferences of the co-workers in mind, explore how reward systems can be designed in heterogeneous organizations. This is done by interviewing store managers and sales personnel in a heterogeneous organization. The frame of reference deals with theoretical approaches on reward systems and is divided in the following sections, individual or group based, differentiated or not differentiated rewards systems and goals, measurements and rewards. These sections are highlighted from the following aspects, equity, implementation possibilities and finally environment. The theoretical discussion ends in the conclusion that heterogeneous organizations should have several different reward systems, but not if a restructuring process is in progress or the system becomes too costly.

Social inequality, economic imbalances and greenhouse gas emissions are some of the greatest risks threatening society today. Society has become more aware of these risks and has started to demand firms to take more responsibility. During the last 30 years firms and mainly large firms has chosen to work with something called CSR. CSR stands for Corporate Social Responsibility which is the work firms engage with to take responsibility for environment and society as a whole. Scientists and business people has taken two sides towards CSR, one side argues that CSR cost more than it tastes and the other side argues that firms which engage with CSR will gain economic benefits.

During the last two decades, temporary staffing has been the fastest growing industry in Sweden. The latest development within this industry is the integration of third-party providers of temporary staffing. Client organizations outsource the process of recruiting temporary workers to intermediaries with procurement management expertise. The concept is called Vendor Management Services (VMS) and aims to standardize decision-making and lower costs through improved efficiency. However, studies have shown that VMS intermediary functions have negative impact on placement matching.

In the past decade there has been a considerable growth of contingent employment arrangements. In Sweden, the most common among these are the temporary-help service firms. The aim of this study is to investigate how the employees of temporary-help service firms experience their situation as employed by one company and working at another. We have used a qualitative approach to reach an increased understanding for the daily situation of the contingent worker. The essay is based on participant observations and semi-structured interviews with six contingent workers.

The common drivers for hotel accommodation are tourism and business travel and hotel demand seem to outstrip supply in many places. More than 50 % of visitors to Sweden stay at a traditional hotel but is there room for alternate accommodation like serviced apartments besides the traditional hotel for people visiting? These are usually referred to as extended stay or long-stay accommodation. The aim of this thesis project is to explore whether there are growth opportunities for serviced apartments in Sweden. A secondary aim of the thesis project is to identify challenges (if any) to this segment and also to identify the major operators of serviced apartments in Sweden.

Nynas produces bitumen at two refineries in Sweden. The bitumen is shipped to seven depots along the swedish coast line, and from the depots special trucks handle the transportation to customers. Recently Nynas has transformed its supply chain and closed down a few depots. At the moment the company is considering a further reduction of the number of depots. In connection to these discussions an analyse of the companys distributionsystem and of possible changes is required.

The scarcity of qualified forest machine operators as well as the increased competition for competent machine operators among others from the mining industry in Norrland, were the reasons to investigate what attracts and what deters active and potential forest machine operators to the occupation. An interview study was conducted among four groups with four persons in each group. The groups were students in year 1 and 3 respectively at a forestry school at upper secondary school level as well as employees of a forest company and employees of contractors. The majority of all respondents were of the opinion that their interests in machines had been important for the choice of occupation. But for the active machine operators both the interest in the forest and their interest for machines have had importance for choosing this occupation.

The purpose of this study was to examine the relation between self-determination theory and its three basic needs: competence, autonomy and relatedness, and commitment to change in an organizational change. Another purpose was to examine if the quality of the communication and the effects on the organization and way to work can predict commitment to change. Considering that organizational changes is very common today there is an interest to ease and improve the change process. The survey contained the scales Commitment to change scale and Basic need satisfaction at work scale and the participants were 39 office-workers who recently had gone through an organizational change. The result indicated that it?s possible to predict commitment to change from self-determination theory, communication and effects on organization and way to work.