The aim is to develop a new decision-making model for credit-loans. The model will be specific for credit applicants of the OKQ8 bank, becauseit is based on data of earlier applicants of credit from the client (the bank). The final model is, in effect, functional enough to use informationabout a new applicant as input, and predict the outcome to either the good risk group or the bad risk group based on the applicant?s properties.The prediction may then lay the foundation for the decision to grant or deny credit loan.Because of the skewed distribution in the response variable, different sampling techniques are evaluated. These include oversampling with SMOTE, random undersampling and pure oversampling in the form of scalar weighting of the minority class.

Intangible feelings of sorrow and grief, caused by events like separation, death, loss and trauma, all leave some kind of traces in us and they play an important role in our development. The individualistic society here in Sweden has shaped us to keep our feelings inside and at bay; since our childhood we have learnt that showing emotions like tears, sorrow and sadness are signs of weakness and can make others and yourself feel uncomfortable. With the starting point from my own experience and understanding of how we can deal and handle grief, I take a closer look on how jewelry, objects and rituals can be of importance in a grieving process and our lack of visual outer display of grief in today?s society. Through Sara Ahmeds theory I found a new possible way of understanding emotions and how they shape us.

The world is facing huge challenges to overcome the climate crisis. A contributing actor to the environmental footprints are the textile industry and their production processes, which highlights the importance to act. The purpose of this study is therefore to investigate how a middle size company's purchase- and design department work to contribute to sustainable fashion and sustainable consumption. As well as to examine the challenges and possibilities that the fashion company faces in its sustainability work. The qualitative study has been prepared and is based on 15 interviews with employees in the purchase- and design department.

In a sustainable society the use of renewable energy and recycling of materials is of high importance. Wastewater treatment plants use large amounts of energy in the processing of wastewater. This study seeks to evaluate wastewater as an energy resource and to examine treatment plants potential to become sustainable energy producers. The study is based upon the internal processes of Himmerfja?rdsverket.

Background Nightingale attention that hygiene was an important task to prevent health- related infection. Today there are guidelines how hand hygiene should be followed, to prevent health- related infection. Good knowledge and education in hand hygiene and its consequences if it?s not followed is of great importance. Hand hygiene should be performed before and after the clean and the unclean work with patients and materials.

Trademarks are distinguishing marks that are used by companies to highlight their goods or services to separate them from other companies. In Sweden, trademarks are protected by a certain Trademark Law called Varumärkeslagen. The law is a result of many years of improvements from earlier trademark laws. Since Sweden is member of the European Union, its laws are affected and in many cases inferior to laws of the Union. A new Trademark Law is about to be implemented in Sweden, thanks to a directive from the European Union.When a trademark is registered it is possible to use the symbol ® along with the trademark.

Trademarks are distinguishing marks that are used by companies to highlight their goods or services to separate them from other companies. In Sweden, trademarks are protected by a certain Trademark Law called Varumärkeslagen. The law is a result of many years of improvements from earlier trademark laws. Since Sweden is member of the European Union, its laws are affected and in many cases inferior to laws of the Union. A new Trademark Law is about to be implemented in Sweden, thanks to a directive from the European Union.When a trademark is registered it is possible to use the symbol ® along with the trademark.

The aim of this bachelor thesis has been to investigate some of the materials present in and onprinted papers which might be suitable for analysis. A brief history of paper making and somepigments were studied after which the theory of some of the available methods for technicalanalysis were summarized. Two works of art on paper were chosen for a closer examination,both are woodblock prints but of different composition and origin. The investigation wasmade to exemplify some of the common techniques applied on works of art. There were twoaims in these examinations.

The purpose of this study has been to compare teachers' differing methods of teaching mathematics and their perspectives on the learning process in a municipal school to a Waldorf school. The study has examined which approach best promotes student engagement and learning in mathematics in the first three years of schooling. The study is based on four interviews. The informants? accounts are interpreted using theories from previous research.

It is important that the language in textbooks for foreign language learners reflects the language that the learners would encounter in real life. For this reason, the presence of the thousand most common nouns in two Swedish textbooks in Spanish for upper secondary school is observed in this study. Furthermore, this study aims to examine how these nouns occur in order to determine if their pattern of occurence favours the learning and consolidation of words. The main materials that have been used are A Frequency Dictionary of Spanish by Davies (2006) and the word search program available in the digital versions of the textbooks. The results show that the presence of the thousand most common Spanish nouns does reflect the frequency information presented in the frequency dictionary but not all thousand nouns are included.

En av Parocs produkter är sandwichpanel som är ett byggmaterial som kan variera i storlek och tjocklek och är funktionellt och smidigt. Uppdraget var att designa ett beslag för panelsystem som minst 50% av Paroc Panel Systems kunder skulle föredra framför de gamla, främst med avseende på estetiken, men även baserat på lätthet att montera och kostnad av beslaget. Projektet skedde i samverkan med företaget Paroc Panel System AB och ur förundersökningen framkom att utseende, monteringsmöjligheter, egenskaper såsom materials livslängd och hållfasthet och totalkostnad var viktiga krav som ställdes på produkten. Lösningsförslag med fokus på flera viktiga aspekter togs fram och kombinerades till olika koncept med hjälp av en så kallad morfologisk tabell. En konceptutvecklingsfas ingick där hållfasthetsberäkningar och materialval var avgörande.

Efforts to achieve a moisture proof construction process have proved to be considerably complicated, despite the knowledge and awareness that now exists within the moisture field. Materials, documents, templates and checklists are designed to be accessed but are not used anyway. This may be because such effort has not been prioritized and properly requirements have not existed from the commissioner of a building.This report illustrates how the commissioner of a building project can achieve a moisture proof building process by increasing knowledge, moisture proof planning, and implementation of security moisture routines. Proposals are given on how the commissioner of a building project can work to consistently bring a moisture proof building process in all stages. The difficulty with regular moisture proof efforts, the authors believe is mainly due to the following points:      Many different design solutions.      Lack of experience feedback.      Lack of communication.      Financial incentives.      Attitudes.The interviews in the report have conducted with the help of a qualitative analysis, while the survey has been done using a quantitative analytical method.

To save energy it?s popular to build houses with low energy loss. In these houses the walls are keeping a lower temperature in the external side which leads to a higher relative humidity. In addition more material, such as wood studs, are used which means that there is more moisture to dry. More moisture in combination with higher relative humidity may pose a higher risk of microbial growth.

Violence against teachers in Swedish schools, according to recent reports has increased and there have been many studies to investigate the situation for teachers. The surveys show that teachers are especially vulnerable to students. This study aims to examine the relationship between a number of teachers and their students to study the power relations that exist in the classroom. This is to see what violence is an expression of and also how violence is perceived by the teachers. The issues that are central in this study are:What is the importance of dialogue in the relationship between these teachers and their students?Is there power relations between teachers and their students?What is the violence against teachers and expression of?Is there any connection between dialogue, power relations and violence?The theories of the materials in this study was analyzed using power relations theories of the historian of ideas Michel Foucault and Philosophy Doctor Anders Persson, who to some extent has his theoretical basis in Foucault?s power relations.

The purpose of this thesis is to examine how teachers work and reflects on gender education in preschools. We also want to take part of how teacher?s thoughts are reflected in the physical indoor environment and how the environment is designed by reviewing the rooms furnishing and the selected materials. We will do this by visiting a number of preschools located in Stockholm and New York. We have chosen three questions to get the answers on our purpose.How teachers reflect around gender pedagogy are, and how the thoughts are expressed in the practical work.How the teachers communicate with their co-workers about gender pedagogy.How the teachers own thoughts and reflections on gender pedagogy have been expressed in the physical indoor environment where the children stay during the day. We have used interviews and observations as a method to gather the information that we needed to answer our questions of the thesis.