Titel: Bankernas Riskhantering För Bolån.Författare: Daniel Grufman, Peter Forsberg, Patrik Borg.Handledare: Mats Viimne.Nyckelord: Banker, Finanskriser, Riskmanagement.Syfte: Syftet med vår kandidatuppsats är att undersöka hur de lokala bankernasriskhantering för bolån fungerar.Metod: Vi använde en metod som kan ses som en tratt, där vi ser brett på problemet föratt sedan gå ner till på djupet av problemet. Vi gör en kvantitativ undersökning,där vi utformade problemet för att sedan välja intervjuobjekt. Vi använder ossav den deduktiva metoden och den deskriptiva/induktiva metoden.Referensram: Hur uppkommer risker, hur man bedömer risker. Vi går igenomriskmanagement-processen som är en metod för att skydda sig ifrån risker, somvi har tillämpat till bankers kreditrisker.Empiri: Data har vi samlat från olika intervjuer med flera högt uppsatta personer på defyra storbankerna i Sverige.Slutsats Vi har kommit fram till att bankernas nyckelkoncept i riskhanteringen, är attanvända sig av sund kreditgivning. Alla fyra banker som vi undersöktebetonade vikten av att göra ordentliga undersökningar och menar att de var detabsolut bästa sättet att minimera riskerna..

This paper deals with the problems that can occur during the move of an entire collection. Thecollection discussed is located at the Gothenburg Maritime Museum and it has beenconsidered to move the collection to a storage where the other collections of the museum iskept. No decisions are taken but this is a suggestion of how it could be done. The collectionwhich is studied contains of different kinds of objects like for example paintings, work onpaper and photographs. The whole moving project is looked into and all the different parts areanalyzed.

The current debate regarding organizational strategies for sustainabledevelopment is influenced by the theory of global governance. Decentralizedstructures of the global society are taken to use in the realization of a sustainabledevelopment. New roles of transnational networks and partnerships raisesquestions of the ability of global governance to co-ordinate and implement longtermsolutions without assistance from centralized and hierarchic structures basedon government. The aim for this thesis is to illustrate the current conditions forwell-functioning networks of sustainable development and examine therelationship between global governance and government. Issues of participation,decision making and compliance are examined by a case study of the Marrakechprocess, a global process to support the implementation of sustainableconsumption and production.

Problem: How has Nordea been adapted and influenced by the change of Basel II and how have the employees reacted on the new change?Purpose: This essay has a purpose to study how Basel II has influenced the credit rating at Nordea. We also want to study how the employees have reacted to the new change.Method: To receive the information that was necessary for this study interviews were performed with the employees at Nordea. The interviews were an effective way to start a discussion and by that we received important information.Basel II is new capital cover rules that the Swedish banks have introduced. These new rules mean that it will become more important with safety when it comes to risk management and credit giving.

I sjukvården världen över tas dagligen tusentals röntgenbilder. Användningsområdena är många, men i de flesta fall är syftet att i något avseende avgöra patientens hälsa. Bilderna utvärderas av läkare för att patienten ska få rätt diagnos. För att läkaren ska kunna göra en korrekt bedömning av bilden och därmed ge patienten den behandling som situationen kräver måste bilden vara rättvisande och vara av sådan kvalitet att alla viktiga detaljer går att urskilja. Bildkvalitet är ett ganska diffust begrepp och ofta används subjektiva bedömningsmetoder för att bestämma ifall en bild är bra eller dålig.

Social control in different forms has existed in all known societies. This control has taken different shapes and expressions. In older smaller communities there was a collective control among the citizens. In modern societies the state is trying to control the lives of the citizens. These control mechanisms can be seen as both freedom-reducing and freedom inducing depending on which concept of freedom one upholds.

Media society is under a constant development and in line with this change, firms must adapt to the market. We have investigated what fashion companies in fact are doing to communicate in the dynamic market. We wanted to find out how to communicate and how they can market themselves in a new and innovative way to create long-term customer relationships. We have used a theoretical frame of reference based on marketing communication, fashion marketing, branding and relationship marketing theories. We have assumed four themes throughout the survey which are: customer contact and relationships, emotion in communication, branding and relational communication.

Sustainable beef and milk consumption. The consumption of beef and dairy products in Sweden is high. A lot of greenhouse gases are emitted from the production of these products. The production of beef in Sweden has decreased but the import has increased. The number of dairy cows has decreased while beef-production with suckler-cows has increased in Sweden.

Due to a growing interest in communication in today?s society the demand for equipment that is used in communication networks increases while the competition between companies that produce this equipment grows. To meet the increasing demand and at the same time having a competitive product development many companies use some effective product design, such as the modular product design. When a modular product design is used it?s good to compare different module configurations for a certain product and to simplify these comparisons some tool can be used.

Studien bygger på på intervjuer med 32 narkotikamissbrukare (20 män och 12 kvinnor). Samtliga var opiatmissbrukare. Dreas sociala situation var komplex. Metoden var en halvstrukturerad temainriktad intervju. Q-faktoranalys beskriver fyra tydliga subgrupper..

High technology companies in Sweden spend a huge amount of money on research and product development in proportion to what they get back in earnings from their inventions. Product development has traditionally been regarded as much more important than business development. This thesis aims to point out the critical factors behind successful business development processes for high technology companies. We have chosen to make a case study of Hexagon, a highly successful and innovative company within the measurement technology business. Internal and external actors that are important for business development have been identified and interviewed in order to understand how ideas are developed and executed.

Syfte: Att utreda om primärvårdssjuksköterskor i Uppsala län upplevde att det fanns faktorer sompåverkade deras möjligheter att skriva ut fysisk aktivitet på recept.Metod: Deskriptiv kvalitativ intervjustudie. Sju primärvårdssjuksköterskor inom Uppsala län harintervjuats med semistrukturerad metod. En kvalitativ innehållsanalys enligt Granheim ochLundman (2003) utfördes på manifest nivå.Resultat: Primärvårdssjuksköterskor i Uppsala län upplevde att det fanns faktorer som påverkadederas möjligheter att förskriva FaR. Det uppgavs nödvändigt att ha kunskap om hur man arbetarmed förskrivning av FaR och att uppleva sig kunna motivera patienter som har mindre mottaglighetför FaR. Att ha tillräckligt med tid avsatt upplevdes som en förutsättning för förskrivningen.

This master thesis was made to describe how sales organisations are constructed in Sweden within an industry with almost every sales situation as a new task selling, and where almost every selling is over one million Skr. One of these industries is the homebuilding industry with companies that manufacturers prefabricated houses and semi-fixed manufactured homes in Sweden. The pre-studies where made by using the Internet, intervjues and theory studies to construct a conceptual framework. The sales organisation was conceptualized to be able to measure: salesman, sales leader, improved skills, communication, reported information, compensation and company targets. This conceptualisation and operationalisation lead to a survey that captured organisations within the homebuilding industry in Sweden.

Many companies choose to market their products and brands with help from celebrities. This is not a new phenomenon, though, this strategy is something that we consumers start to get used to and the risk that the consumer unconsciously unselects the message grows. A recently much-disputed theory is the use of incongruent marketing. This means that companies uses a marketing message with the objective to not match the consumer?s expectations.

Abstract The technology has made it possible for you as a train traveller to be available in other places than stations and on the train. You now have the possibility to communicate by the phone or through the Internet to get information about the train you want to take. Development in mobile technology gives us new possibilities to communication. We want to find out whatever SMS would be a suitable approach to inform passengers about delays. The problem formulation is ?If the technology is available to inform the passengers about delays in an more effective way than today, then why not use it? The ?Kustpilen? that operates in Blekinge and Skåne is the case for our study.