Banks carry a great responsibility when it comes to the financial systems in our society. Disturbance in the credit system affects both lender and borrower. All financial institutions must therefore carefully estimate their risk exposure. This assessment enables them to cover themselves from losses with appropriate capital buffers as main guardian. In order to prevent bank crises and also to maintain financial stability in general, new regulations concerning analysis and preventive actions were introduced on the 1st of February 2007.

The study describes six upper secondary school students? thoughts of and stories about mentors and mentorship in secondary school. The mentorship has been studied with a hermeneutic approach from a narrative pupil relational perspective, which is influenced by the phenomenological humanity perspective. The aim of this study is to describe a few pupils? life worlds and to try to interpret how they describe and explain their own behavior related to mentorship and their mentors.

This study was made to compare and distinguish any differences in olfactory recognition and host plant adaptation between two strains of cotton leaf worm, Spodoptera littoralis. The populations used were established in Egypt and Benin, Africa. The documentation consisted of information about (1) each of the strains development through the larval stage up to pupation on diets of cotton, clover and cowpea. (2) Their oviposition preferences as adults between cotton, clover, cowpea, maize and cabbage. (3) Electroantennographic recordings to quantify any possible responses to plant volatiles. Throughout the diet experiments the larvae from the Benin strain showed significantly a better development between artificial, clover, cowpea and cotton respectively, while the Egypt strain had significance between artificial, cotton and cowpea/clover as diet. Also noted was how the strains substantial development of weight differentiated if fed the cotton diet, followed by the cowpea diet showing that the Benin strain would develop a higher body mass on a cotton diet as well as on a cowpea diet. This trend was however switched once the pupal stage was reached, where the Egyptian strain contained a significantly greater body mass than the Benin strain on the artificial and the Benin strain a greater on cowpea, which suggests that in the end, the Benin strain develops significantly better on cowpea while the Egypt strain develops better on an artificial diet. During the oviposition experiment that both stains showed a clear difference in hierarchy of host plants considered suitable for oviposition, where the Egyptian strain is significantly more attracted to clover than the Benin strain. Also showed with electroantennographic recordings and significant values was the higher sensitivity the Egypt strain had towards (E)2-hexenal, (E/Z)-b-ocimene, (Z)-3-hexenyl acetate, Nonanal, (-)-linalool and ?-myrcene when compared to the responses from the Benin strain..

This report is a bachelor's thesis of two students from the Energy and Environment degree at KTH Stockholm. Grinda is an island situated Stockholm archipelago. Skärgårdsstiftelsen is landowners and manages the area. Grinda Wärdshus, a guest house located in the island, currently uses an oil-fired boiler as a heating system. The aim of this thesis is to investigate whether wood chips or pellets is, from a sustainability standpoint, a suitable heating method for the guest house.

In agricultural educations you learn to use different economic planning tools, as basis for decision. The purpose and goal of this work has been to find out if economic planning tools are used by the farmers in Sweden. We choose to do an investigation through personal interviews, and used an inquiry to get as equivalent answers as possible from the farmers. This work contains a literature study with relevant facts about the questions that is brought up in the inquiry. This study of literature explains shortly some different calculation methods and bases for decision. It also contains useable information that is important to know before an investment. The questions that are asked to the farmers have focused on the use of calculation methods and economical planning tools.

Denna studie unders?ker huruvida r?rlig ers?ttning p?verkar ett svenska f?retags framg?ng genom finansiella incitamentprogram. Anv?ndandet av dessa typer av incitamentprogram har ?kat i Sverige p? senare tid vilket skapat upphov till nyfikenhet kring ?mnet. Individuell kompensation har l?nge fungerat som motivation f?r arbete att prestera b?ttre och d?rmed gynna f?retaget och dess intressenter.

Humanity stands before a huge challenge to lower its emissions of carbon dioxide and its use of energy at the same time as the global population is rising and the developing countries are being industrialized. A lot of newly built buildings are due to this challenge, designed to be more energy efficient but also use renewable energy resources instead of pollutant fossil fuels .Solar energy is one of the purest forms of energy that exists in abundant amounts, which is why it is most likely that it could come to play a major part in the future energy market. The main purpose of this report is to investigate the possibility to implement a sustainable energy system with solar thermal heat and  heat storage as main sources of energy in the neighborhood ?kvarteret Lagern?, which is the area where the old football stadium ?Rasunda Stadion? was located. New developments within different heat storage techniques have opened up new approaches to enable buildings an all year round heat supply from solar energy. This report will focus on heat storage in boreholes. At the present here is only a preliminary plan of how the neighborhood is supposed to be designed.

The purpose of this study is to survey and evaluate if the individual contrast sensitivity and preferences for horizontal and vertical lighting level correspond to the values that standard SS-EN 12464-1 recommends for the workplace- and surrounding light levels.This study examines if lighting should be adapted after the individuals? need or if a general value can be found that will cover every individuals? need for a workplace and surrounding light level. This study also examines if parameters like sex, age and/or glasses/lenses have an effect on the amount of lighting that the test subjects need. Lastly we compared the values concerning the relationship between workplace- and surrounding light levels with standard SS-EN 12464-1?s recommendations.The study is carried out with an experimental design that surveys 220 test subjects who were chosen by a selection of convenience.

The purpose of this paper is to examine how the Greeks in connection with the crisis in Greece is portrayed in Swedish newspapers, as well as the second generation Greeks in Sweden experiencing and interpreting the portraying and how it affects their everyday lives. The idea is to create an understanding of what happens when ethnic aspects is being portrayed in the media and how it is perceived and interpreted by second generation immigrants, and what this might mean for the impact of their daily life. The study is based, therefore on the following questions; how are the Greeks in connection with the crisis in Greece being portrayed in Swedish newspapers? How does second generations Greeks in Sweden perceive and interpret the portraying, and how it affects their everyday lives?The study's basic methodological approach is qualitative text analysis and qualitative interviews. Qualitative text analysis is to bring out the essential content through careful reading of the text parts and the context in which it is included.

In a phonological assessment, the aim is to obtain systematic and reliable data of a child's speech output, which can then serve as a basis for a decision on an appropriate intervention (Wolk & Meisler, 1998). Whether phonological assessment should be derived from an analysis of picture-naming or a conversation with the child, and whether the two methods for elicitation generate equivalent results, has been debated among clinicians and researchers for an extended time (Masterson, Bernhardt & Hofheintz, 2005).The aim of the present study was to compare two methods of speech elicitation for phonological assessment: spontaneous conversation and picture-naming, respectively. In the study, the procedures have been used when assessing children with phonological disorders as well as children with typical language development. The results are presented using two levels of phonological analysis; degree of phonological impairment, in terms of percentage of phonemes correct (PPC), and type of phonological impairment, in terms of phonological simplification processes. Eighteen (18) children participated in the study, nine (9) with phonological impairment (age 3;10 ? 5;11), and nine with typical phonologic development (age 3;2 ? 4;6).

This study deals with questions about male and female, power and church, related to the Mariologies of three prominent leaders in the Church of Sweden in the last century: Erling Eidem, Paulina Mariadotter and Cristina Grenholm. The mentioned topics are important for conservative High Church people as well as for radical feminists, and they are therefore necessary to address in the context of discussions about the church´s identity and the search of greater unity.Each Mariology is related to contemporary ideas about the relations between male and female, and to the tradition of the church as the leaders themselves see it. During the years 1920-2010 the relations between the sexes changed a lot as a result of the impact of modernity, which also affected how people perceived the relationship between the individual and the tradition/authorities. The present study concludes that there is a connection between Mariology and contemporary ideas about male and female. However, the Mariologist´s attitude to the tradition of the church seems to decide which perspective is allowed to dominate.

Title: A study about the purchasing process of ITLevel: Master thesis in Information Technology and Business Administration, 15 hp, EIK024Authors: Emelie Johanson and Mikael LindströmTutor: Peter Ekman, Mälardalens HögskolaKeywords: IT-investment, purchase, decisionProblem: In the last decades the amount of IT investments increased and has become an important resource within most organizations. IT gives the ability to compete and could also be a condition for many to be able to compete. In different businesses it could vary in where they put their focus when they choose an IT investment. This thesis examines how the purchase process of IT looks. How does processes differs in a bigger company versus a smaller company? From these two perspectives this study examined these research questions: Who makes the decisions whether or not an IT solution should be purchased? What aspects decide when companies are to choose between different IT solutions? Where in the purchase process do problems usually emerge?Purpose: The purpose of this thesis is to describe and analyze the purchasing process of IT from a business perspective.

The market for biofuels from the forests have had a positive development and the job initiators for this master´s thesis wanted to examine the profitability of a method for harvesting forest fuel, which was unfamiliar to them. The method was the ?long tree tops-method?, here called the LT-method. The LT-method is characterised by the fact that timber is harvested as the only roundwood assortment while the rest of the stem, which in other cases would become pulpwood, is harvested as forest fuel together with the logging residues. The method is based on the assumption that advantages in handling of the forest fuel assortment such as increased load weights for forest hauling and truck transportation, should compensate for the lower price for pulpwood when sold as forest fuel. The aim of the study was to compare the profitability of the LT-method with the GROT-method (harvest of timber, pulpwood and logging residues) and conventional logging without any harvest of forest fuel, and aslo to try to identify factors affecting the profitability of the different methods.

The main purpose of this thesis has been to investigate librarians opinions about the need for and possibility to use non-roman script in library catalogues. We have also investigated the routines of handling materials in non-roman scripts in two Swedish libraries. The investigation was made in the light of the recent shift in character set in the Swedish National Library Catalogue Libris. This change will enable use of multiple writing systems in the future.Our findings are that a multicultural society requires special consideration to the needs of citizens who speak other languages than the majority of the population. This becomes difficult when the languages spoken have a different writing system than the one used by the majority.

I meet in my work as art teacher many students of different descent, were they, or their parents, have different school experience than the Swedish. This, in combination with therecent discussion after the Muhammad caricatures about the banning of images in Islamic religion, made me curious to study what art education in a Muslim country looked like. I went to visit the Maramra Egitim Köyü school in Istanbul, Turkey, and especially their art classesfrom grade five to eight, which are the same age of students that I have been working with thelast ten years. This was my first visit to Turkey.The question I ask is: What does the practice of Turkish art education look like, using the Marmara school as an example. Which discourses can I identify in the art teacher practice? What surprised me the most was the frequent visual exposure of the founder of the Turkishstate, Kemal Atatürk.