Since 1996 the Swedish households have ten folded their volume of loans for own homes that is attached to a floating interest rate. Also in 1996 the Swedish electric market was deregulated. These two facts have increased the volatility in the household expenses for these two commodities. This thesis studies the risk for homeowners attached to the exposure against the electric and the credit market. The risk model used is Cost-at-Risk which is usually used by public authorities for analysing the risk involved with national debt.

The essay treats how a process of implementation was executed and the teachers? relation to two curricula, Lpo94 and Lgr11, with two different grading systems, which have functioned as models for one and the same year. The purpose is to investigate the ways in which a change in curricula and syllabus affects teachers in their teaching and assessment practice in the subject of Swedish at secondary school. The investigation had a phenomenological approach and was executed by means of in-depth interviews, questionnaires and one observation. The results are based on a methodological triangulation with qualitative and quantitative data where visible similarities and differences are brought out.

AbstractThis report discusses how the intranet as a communication tool can bedeveloped to become a daily work tool. An intranet can help the organization to get information out to the employees fast, and the employees can choose when they want to take part of the information. This report also discusses how the functions and the presented information can be developed to be even better. The proposals has been developed out from information gathered from a survey,the people who has answered the survey has been given their point of view of the intranet, and also proposals for improvements, which we have implemented in to our theory part. There is no company or organization that uses the exact same intranet solution.

The project involves implementing a finished dispersion model into ArcGIS. The goal of the tool is to show how dangerous and toxic substances will travel in the ground after long periods. The goal of the project is to understand GIS in general, what it is used for and gain an insight into how developing tools for ArcGIS is, what challenges might exists. Understanding the type of data that can be stored and accessed in ArcGIS a long with the tools and functionality offered by the system when using Python as the main language for development. A prototype of the tool is created..

The purpose of this study was to investigate different relations between the damages of falls and background variables as well as the relation between the falls and the weather condition to later be able to use this report to expand the knowledge among workers at VTI about the pedestrian fall injuries. All of the fall injuries in the data that this study is based on have occurred in Sweden during the time period between January 2003 and December 2011.To be able to answer the questions that this report is based on several statistical methods are used. The statistical methods that have been used during the making of this report are multiple linear regression, binary logistic regression, correlation analysis, association analysis and descriptive statistics as well as visual analysis.The results of the study show that women around menopause age have a tendency to get a big increase in the amount of injuries compared to men of the same age. The study also suggests that men on average tend to have a lower level of injury compared to women.Age also seems to affect both the amount of injuries and the level of injury negatively. The study suggests that the most likely reason for this is both that the intake of ?Fall Risk Increasing Medicine?, which is medicine that increases the drowsiness, is higher among older individuals as well as lower estrogen levels among older women and lower amount of testosterone among older men, which causes a loss of bone density in both sexes.The weather seems to have a strong effect on how many injuries occur but also a noticeable effect on the scale of the injury.

This thesis studies the relationship between risk and the first day returns of Initial Public Offerings (IPO) by assessing the risk of each issuing company with a risk model that combine financial key ratios of importance. The study is based on 92 IPO?s that were made on the Stockholm OMX stock exchange during the period of 1997-2009. The point of departure was to investigate if the uncertainty created by the asymmetric information between investors and the issuing firm could be captured by predicting the possibility of failure in the future. This has been studied by applying Skogsvik?s probability of failure model on the 92 issuing firms.

The first information recruiters have access to, when recruiting a new co-worker is the applicant´s CV. It may even happen that the applicants are sending a photo with the CV, which can lead to the possibility that the appearance of the applicant will affect the assessment. Previous research shows that individuals who are regarded as beautiful get a better assessment than those who are considered to be ugly or mediocre looking, but if this can be prevented through awareness, the problem can easily be counteracted. The purpose of this thesis is to, through an experimental study, investigate whether recruiters can avoid being affected by the applicant?s appearance in the assessment of their CV if they receive information about the stereotypical thinking that is tied to a person's appearance.

The aim of this essay was to study if social workers have a gender awareness in the social work they perform and if it appears in the assessment of needs and intervention. A qualitative vignette study with four social workers who handle adult- and addictive clients have been performed. Gender theory is used to interpret the empirical results. The results of the study show that social workers doesn´t see any differences in the clients situation, or make any different assessment of needs depending on if the client is a man or a woman. Social workers also propose the same interventions to men and women.

Risker finns vid alla typer av investeringar. Det kan vara i form av ekonomiska risker, miljörisker, hälsorisker, etc. Hur en verksamhet hanterar risker och vilken syn de har på risker är beroende av i vilket sammanhang de är verksamma i och vilken typ av investering det handlar om. Syftet med denna uppsats är att beskriva och analysera hur kommunala bolag resonerar när det gäller riskhantering vid miljöinvesteringar. Undersökningen riktar in sig mot det kommunalägda VA- och avloppsbolaget i Varbergs- och Falkenbergs kommun ? Vatten och Miljö i Väst AB (VIVAB).

Background: Performance measurement as a management control tool has received considerable academic attention. As the number of inter-organisational relationships, such as customer-supplier relationships, increases, there is a new scope for performance measurement as a management control tool. In order for a company to assess the effectiveness of its supplier relationships it has to define, measure and evaluate variables that are critical for the success of the relationship. The role of management control, and thereby of performance measurement, has increasingly been discussed in theory. However, empirical research in this area is still somewhat limited.

Title: Inflation and Investments, with Focus on Inflation-linked Bonds.Investors face many types of risks when allocating assets in a portfolio, e.g. volatility and inflation risk. Inflation risk will mainly affect investments in the long perspective. This thesis will examine those risks that an investor is commonly exposed to when allocating assets in a portfolio and in particular inflation-linked risk and how to eliminate it. We examine the correlation between different assets and inflation to determine the assets? ability to hedge inflation risk.

The demand for environmental assessments on buildings and energy consumption is increasing as well as the energy performance requirements for buildings. At the same time it is increasingly common with self-producers of heat and electricity generation.The main purpose with this master thesis is to investigate how time resolution affects the environmental assessment of energy consumption in office buildings connected to district heating (DH). Environmental assessments were done with both attributional LCA and consequential LCA with system expansion.Fortum´s DH system in Stockholm was analyzed and district heating production was simulated in a Matlab-model. Greenhouse gas (GHG) emissions for the production were calculated. The heat demand of the office Gångaren 16 in Stockholm was simulated in IDA ICE.

Starting in January 2007, capital adequacy of internationally active banks will be regulated by the new Basel Capital Accord, International Convergence of Capital Measurement and Capital Standards ? a revised framework, [Basel II]. The framework introduces for the first time minimum capital requirements for operational risk and encourages market discipline of capital adequacy by initiating requirements for public disclosure of quantitative and qualitative information on operational risk exposure. This thesis examines the nature, definition, management and public disclosure of operational risk in Scandinavian banks based on regulations and recommendations presented in Basel II. We find that the models currently available for addition of operational risk to the capital requirement do not reflect actual operational risk exposure of banks.

Purpose: The study examines the risk a rising from the acquisition of shares, and its relation to the expected return. We would like to see how a high-risk portfolio is related to a low-risk portfolio. Although studying the portfolios annual performance.Theory: The theories that have been used in the study are, Capital asset pricing model, CAPM and portfolio theory.Method: The study is based on a quantitative method, the time interval is from 2008 to 2010.The annual reports, historical stock prices for companies and the index are used to perform calculations based on the essay theories.Conclusion: The beta value has positive liner correlation with the expected return. When there are bad times in the world, the companies are negatively affected regardless of industry. The Portfolios developed in the same direction during the time period..

During 40 years of industrial production, from the end of the 1890?s until the end of 1930?s, coal and wood distillation products were manufactured in AB Carbo?s tar factory along the River Gimån in Grötingen, in the county of Jämtland, Sweden. In accordance with the Swedish Environmental Protection Agency?s Methods for Inventories of contaminated sites, MIFO, the site in Grötingen has been identified as a potentially contaminated site. In order to determine whether toxic substances pose a threat to human health and ecological systems in the area, there was a need to investigate the presence of contaminants, their levels and potential for migration.