I ett klimat med kraftigt stigande fastighetspriser, rekordhög hushållsskuldsättning och sjunkande räntemarginaler för hypoteksbolagen ter sig en analys av potentiella kreditförluster för hypoteksbolagen som tämligen aktuell. Denna kandidatuppsats syftar till att studera hypoteksbolagens kreditrisk för utlåning till privatpersoner med bostäder som säkerhet. Analysen genomförs genom studier av utvecklingen på bolånemarknaden, låntagarnas skuldsättning och ekonomiska marginaler samt utvecklingen för bostadspriserna. I uppsatsen framstår kreditrisken för hypoteksbolagen som begränsad. Framförallt som en följd av att merparten av hushållen bedöms ha goda marginaler.

Syfte: Att utröna om det kan förkastas att Sharpekvoten ger en utvärdering av fonders prestation som stämmer överens med investerares förmodade uppfattning om nytta, dels för vanliga fonder, dels för hedgefonder. Teoretiska perspektiv: Sharpekvoten bygger på antagandet att investerare bedömer investeringar utifrån förväntad avkastning och varians. För att så ska vara fallet krävs att någon av följande förutsättningar är uppfyllda: att investeraren har en kvadratisk nyttofunktion eller att investeringars avkastning är normalfördelade. Det finns fog att ifrågasätta huruvida någon av dessa förutsättningar är uppfyllda (främst för hegdefonder) vilket innebär att fog även finnes för att ifrågasätta Sharpekvotens tillförlitlighet. Stokastisk dominans är en metod som tar hänsyn till hela avkastningens fördelning, och bygger på mycket rimliga antaganden om investerares nyttofunktioner.

This paper analyzes governance of cultural and ethnic integration. The study has a comparative perspective between five municipalities in Skåne. One aim in this thesis is to clearify the ratio between the state and municipal authority and how municipalities exercise their autonomy. I analyze the advantages and disadvantages in different governance methods linked to how the municipalities are working in practice and what problem the integration policy is intended to eliminate. I also resolve the influence of officials and citizens in the policy process.My conclusion is that direct ruling to a large extent is limited by indirect control.

This bachelor thesis explores the conditions for a harmonized EU gender equality policy. Recently the maternity leave directive has been introduced by the European commission and seeks to improve the conditions for pregnant workers. The controversial subject of this maternity leave has illustrated many of the problems connected to the development of a social dimension in EU. First of all, the debate concerning the maternity leave directive in the European Parliament has shown that both sides in the parliament seem positive towards creating legislation in this matter on EU level. However, parties at the right tend to disagree to many of the amendments in the proposal, such as the maximum entitlement.

As well as other politic fields, the cultural politics adapt to changes in society. The development in society has brought attention to the interaction between the cultural field and the economic field. One of the main goals within Swedish Cultural Policies today is the development of cultural and creative economics. Politicians and researchers claim that culture can be a significant part in economic growth in cities and making a place attractive to live in.I became interested in the discussion around the cultural experience as a factor of economic growth when I participated in a seminar at Karlstad CCC during Kulturparlamentet 2012. When I then started working at the music festival Putte i Parken during the spring of 2013 I thought about making this study.The main aim is to investigate in which way Putte i Parken can be a factor of growth and a factor of making Karlstad an attractive place to live in by analyzing documents, reports and literature in a qualitative way of working.

AbstractUniversity of Växjö, School of Social SciencesCourse: PO 5363, Political Science 41-60Title: US and UN, cooperation or conflict?Author: Charlotta BjuvlingSupervisor: Lennart BergfeldtDate: Autumn 2007The international society changed a great deal after the end of the cold war. It gave the United Nations a new oppertunity to act after the deadlock during the war, and it gave the United States a new hegemone role in the world politics. The aim of this paper is to investigate wheter the United States foreign policy action have been accordence to a realistic way of thinking since the end of the cold war. I will do this with the help of my research questions:? Have the United States followed the guidelines of the United Nations in their foreign policy?? Are there signs that show of a change, either towards more or less cooperation between United Nations and the United States?To answer these questions I will use the theories realism and Hedley Bulls concepts of fairness and his ideas of an international system in his book ?An Anarchical Society?.

Voluntary organisations provided the first consumer guidance in Sweden. The government'sinterest in the question started during the second world war and has ever since increased.Since the 1970's the local authorities, with support from the community, have played animportant roll in consumer policy work. Due to the economic recession of recent years theappropriation to consumer guidance work has been cut down. The work has been rationalisedand libraries have more frequently been used to spread consumer information.In Stockholm the municipal has been responsible for local consumer information since the1940's. Co-operation with the library of Stockholm has occurred in different forms.

Traditionellt sett har olika kapitalförvaltares prestationer utvärderats enbart genom att man har observerat den avkastning som respektive förvaltare har lyckats erhålla. Sedan ett antal år tillbaka har dock den erhållna avkastningen i allt högre grad ställts i relation till den risk som de aktuella placeringarna är kopplade till. Ett sätt på vilket man kan bestämma den risk som en portfölj har är att uttrycka och mäta risken som Value-at-Risk (VaR), vilket kan definieras som ett mått på den med viss sannolikhet förväntade förlusten från ogynnsamma marknadsrörelser över en definierad tidsperiod. Det finns idag både enklare och mer avancerade metoder för att uppskatta VaR. Tidigare forskning har till stor del koncentrerats till att undersöka hur olika typer av VaR-metoder lyckas uppskatta risken för olika portföljer i förhållande till varandra.

Abstract:Styrdokument i musikämnet-En komparativ studie av norska och svenska styrdokument i Musikämnet i skolan.(Music Subject governing documents- A comparative study of Norwegian and Swedish policy documents in the Music subject in school)The purpose of this study is to compare the Norwegian and Swedish policy documents on teaching in the Music topic. The comparison also applies to the requirements which have been in Sweden over time. In comparison, the policy document LGR 11 from Sweden, analyzed, and the governing documents MUS1-01 and R94 from the Norwegian School.The main issue in the study is: How does the policy documents for the topic music in Sweden, compared to Norway? In order to answer the question, I compared the above-mentioned policy documents and set in relation to the musical substance is designed in Norway and Sweden.In curriculum theory treats one problem based approaches in structural functionalism, pragmatism, social epistemology and post structuralism. The starting points are then used to explore various relationships between curriculum theory and didactics.The principal researcher and proponent of curriculum theory is Ulf Lundgren.

Alltsedan Sverigedemokraternas entré inom den politiska makten har flertalet ansatser gjorts för att undersöka deras framgångar och söka kategorisera partiet. SD har framförallt gjort sig kända genom att förespråka en restriktiv invandringspolitik, vilket återspeglas i många av de frågor partiet berör. I denna uppsats studeras Sverigedemokraternas utveckling och förändring mellan åren 1999 och 2010, genom att partiprogram från angivna tidsperiod analyseras. Tillsammans med analyser av partiprogrammen granskas vallokalsundersökningar över svenska folkets åsikter i sakpolitiska frågor under samma tidsperiod, för att undersöka huruvida det finns ett samband mellan förändringen i partiets förespråkade politik och opinionens rörelser. Inom statsvetenskapen finns omfattande belägg för att opinion och policy påverkar varandra.

The main purpose with the essay is to look into NATO and annalise how the organisation haschanged it´s security policy work process today 2015, seen from two different world eventsduring the period 1989-2015, the collapse of the Berlin wall and war in Afghanistan. Purposeand issuses also apply based on two theories Anarchymodel and World society model. In orderto highlight two different ways to see NATO:s security policy work process over time untilthe present day.Issues:? How did the fall of Berlin wall in 1989 change NATO:s security policy work process?? How did the war in Afghanistan in 2001 change NATO:s security policy work process?The essay is a qualitative method literature review describing NATO as an organisation andworld events that had impact on NATO over time.The result show that NATO has shifled it´s borders further fast because ?new? membercountries from the former Soviet Union are party members. NATO has moved closer toRussia, and increased in momentum.

This thesis investigates the 200 year old phenomena of savings banks and if they increase the economic growth (GDP) in the local region they act in. That is being done by testing three hypotheses; the savings banks increase the attractiveness of the region they act in; the savings banks increase the entrepreneurship in the region they act in; and the savings banks increase the economic growth in region they act in. This quantitative cross-sectional study with data from the year 2010, finds that the savings banks increase the attractiveness of the local region, most likely through the efforts and financials they put into different local projects. A positive result is also found for increased entrepreneurship in the regions that have a local savings bank. The result is explained by the savings banks relationship lending, which increase the likeliness for a company to get the credit they need to start and develop.

Within process or manufacturing industries, the production of goods and services or the products themselves may have negative side effects such as pollution. An important task for environmental policy is to control and limit these pollutions, for example via regulatory measures. Although, the efficiency of such measures vary greatly between different industries and an increasingly important task for environmental policy is then to encourage companies to engage in environmentally motivated innovation. Governments can utilize other measures than regulation to indirectly decrease pollution. This thesis aims to analyze such activities and how it affects the innovativeness of wastewater treatment, refrigeration and automobile manufacturing industries.

This thesis aims to describe how a fashion designer should balance art and commerce in order to succeed in the fashion industry. We aim to define the Swedish term KRÄDD, and sort out how a designer or CEO in the fashion business should relate to the term, as well as the balance between cultural and economic capital. We present theories of the origins and fluctuations of fashion, as well as social studies on cultural capital, and brand building. The study is made in a qualitative manner where the empirics consist of interviews with 13 respondents that have different positions in, and experience from the fashion industry, including designers, journalists, buyers, a CEO and a PR-professional. In our conclusion, we emphasize the need for a balance between cultural and economic capital in order to succeed as a fashion designer.

This bachelor essay studies families that have migrated from countries in Europe to Sweden,and their experiences of adapting to new conditions of the Swedish welfare state. Theirexperiences are studied firstly from an institutional point of view, which refers to the family?s experience of adapting family life to Swedish family social policy. Secondly it focuses how the families experience new norms and values connected to Swedish family social policy. The main aim is to seek what problems families migrating to Sweden might be confronted with when adapting to new conditions of the welfare state.