There are over 100 banks in Sweden. Yet, most people tend to choose one of the top four banks and stay with them. Times are changing, however, and the growth of online-based self service solutions has increased the importance of attracting and retaining customers at an early age. SEB and Swedbank have addressed this issue by introducing bank bundles. Since most banks offer similar services, the packaging and framing of the bundles have become increasingly important.

The purpose of this paper is to view Karlstad Municipality and their financial support to non-profit organizations within equestrian sports. Despite the varying representatives of various equestrian sports in Karlstad, there seems to be a single beneficiary within the sport when it comes to financial support from the municipality. The policies and plans concerning cultural development are directly compared to the Karlstad Municipality and its contribution to these organizations within equestrian sports. Through interviews and reports I have studied the process of financial support from the Karlstad municipality using an intersectionality theory based on Nina Lykkes guide on gender studies and feminist theory. Pierre Bourdieu?s theories on field, habitus and capital are also used as a method to enhance the understanding of equestrian sports and its role in modern Swedish society. The conclusion is that the Karlstad Municipality is, for a several of reasons, promoting non-profit organizations within equestrian sports, which are operating as riding schools.

Syftet med föreliggande undersökning är att få kunskap om hur några arbetslösa ungdomar upplever sin situation som arbetslös, vilket studeras med fokus på framtidstro, sin egen förmåga/kompetens till att påverka möjligheterna att få jobb samt vilka faktorer de upplever är viktiga när det gäller att få ett jobb inom en snar framtid. Detta studeras utifrån teorierna om locus of control och self-efficacy. Två tjejer och fem killar i åldrarna 16-24 år, samtliga arbetslösa och inskrivna på Ungdomskraft, deltog i semistrukturerade intervjuer. Resultatet visade att majoriteten av ungdomarna har en hög tilltro till sina egna resurser och upplever att de själva har kontroll över sin situation som arbetslös. Vidare visade resultaten på ett mönster mellan intern locus of control och hög self-efficacy i samband med en positiv framtidstro med avseende på att få ett jobb..

The aim of the study is to get a better understanding of leader's reactions in a crisis situation, and to examine whether locus of control and coping strategies can be related to leaders need for social support. The role of a leader in a crisis situation is complex and includes several aspects which must be illustrated to understand the leader's situation. Four leaders have participated in the study. The methods that have been used are questionnaires for measuring locus of control and coping and semi-structured interviews. The results show that search for social support cannot be seen as an outcome of a specific locus of control or coping strategy.

Practitioners of financial statement analysis are dependent on key ratios in a multiple number of situations, one in particular being equity valuation. A lack of historical benchmarks, and knowledge regarding the time series behaviour of such ratios, has been identified regarding Swedish companies. Therefore, this study sets out to provide such data and knowledge. Companies listed on the Stockholm Stock Exchange are examined over the period 1979-2009 where the sample is divided into nine industry groups. Historical values for eight common key ratios are documented with regards to median, mean, standard deviation and percentiles.

The aim of this thesis is to examine what factors that influences the management control in a family business operating in a sector in which they are under-represented. We have therefore conducted a case study of a family business in the finance sector, E. Öhman J: or Fondkommission AB (Öhman). The first conclusion is that the management control in Öhman is influenced by the environment and the increasing size of the company. We have found, however, that it is to an even larger extent affected by the fact that it is a family business even though the company is operating in a sector in which family businesses are not the norm.

Audit is a service of society that takes place in the public interest. To guarantee the quality of auditing a quality control is done with predetermined time intervals. The purpose of this paper is to investigate and analyze the concept quality and the procedure of the quality control and further to tie concepts like trust and ethics to the audit profession. To make the picture complete the paper also provides an insight regarding what deficiencies in quality, in other words failures, means to the audit profession. By performing semi-structured interviews with seven qualified auditors, active on different auditing firms in Skåne, substantial information was collected.

The aim of this thesis is to analyze and explain the similarities and differences in management control between a private and a public primary care company. A comparative case study was developed based on one public and one private primary care company in Stockholm County Council. The framework of Otley (1999) was used to define and limit the area of management control systems, according to his five factors. For the analysis of the empirical results Hood's (1995) seven doctrines of New Public Management was applied, and customized to fit the purpose of the study. The results indicate that the differences between the two organizations are very limited.

Syftet med undersökningen var att se om det fanns någon skillnad i Locus of Control och arbetstillfredsställelse hos män och kvinnor i privat och offentlig sektor. Antal deltagare i undersökningen var 60 där två urvalsgrupper använts bestående av privat (n = 30) och offentlig (n = 30) sektor i Blekinge och Skåne län. Mätinstrumenten som användes var ett arbetstillfredsställelseformulär och ett Locus of Control formulär. T- test, korrelationsanalys, multipel regression och tvåvägs-ANOVA användes för beräkning av data i SPSS. Slutsatser som kunde dras var att män generellt sett är mer tillfredsställda än kvinnor och att offentliganställda är mer tillfredsställda än privatanställda.

This thesis will address a problem concerning availability of information systems at an enterprise within the financial sector and its external suppliers, so called trusted third party. The information system resides on the internal network of the enterprise and must be available to both employees of the enterprise and the trusted third party simultaneously. This contradicts the company policy which disallows third parties access to the internal network. The HAVECA-model introduced in this thesis provides a framework of methods, each solving a sub problem identified in the model. The identified methods are hardening, verification, control and assurance, together supplying a method for continuously securing the internal network against a trusted third party.

Our purpose of this paper is to seek an understanding of which service quality factors that affects customers in their decision making progress regarding purchasing financial services such as pension products. We also seek to evaluate the different service quality factors by compare their relative strength against each other. The study aim to investigate if there are any connections between customer behavior variables such as gender, age and income in comparison to these service quality factors related to pension products.The findings aim to help a small financial institute such as our case company Plain Capital to understand how their customers experience service quality regarding pension products.In order to find empirical results we conducted a qualitative research as well a quantitative research. The qualitative research employed both a focus group interview with pension savers and an interview with our case company Plain Capital. We were able to identify the service quality factors for pension?s products with help from the focus group interview.

Abstract The main purpose of this study was to investigate if and how the employees in elderly care experience stress and which underlying causes they understand to be important in their work situation. The purpose was also to investigate whether Karaseks and Theorells demands and control models could be used to explain the employees feelings of stress and to see in which categories the participants are in. Furthermore, the purpose was also to understand the participants work situation and to describe the factors and remedies the employees perceive to contribute to the stress levels at their workplace. 81 questionnaires were distributed at three different locations, two of which were in Ronneby and one in Örebro. 56 people answered the questionnaires. The result yielded that 80% of the participants felt stress during their working hours the last few years. The results are in agreement with the demands and control models which showed that people with high demands and low control experienced a higher degree of stress than people with lower demands and higher control, which corroborates the hypothesis 1.1..

Women ledaers and profitability, is there a correlation? Earlier research show different outcome on the correlation between women leaders and profitability. A Swedish consultant firm, Caran has a belief that more women leaders would create more financial profit, we ask us if that is the true situation. Using two different IC measurement methods we have shown the difficulties in calculate intagible resources, which methods that can/ can not be used and if women leders create financial value. We found the women leaders in Caran to add more value per dollar spent on the woman leaders than the value added per dollar spent on men leaders.

Title: Predictions and explanation models for bankruptcy in stock-companies ? A study of three failed Swedish companies Author: Tim Svanberg Supervisor: Emil Numminen Department: School of Management, Blekinge Institute of technology Course: Bachelor?s thesis in business administration, 10 credits Purpose: The purpose of the thesis is to find explanation for bankruptcy with the help of prediction models. The purpose is also to add explanation by using Behavioral analysis Method: Quantitative research of bankruptcies using financial prediction models and qualitative study of psychological pitfalls. The study is deductive. Results: I found that it is possible to explain the bankruptcies using the prediction models. The behavioural perspective adds further explanation.

Bandura definierar (1997) outcome expectancy som individens skattning av sannolikheten att ett beteende ska leda till ett specifikt utfall. Utöver individens skattning av sitt eget beteendes följder (individual outcome expectancy), är hennes bedömning av sin grupps möjlighet att nå ett specifikt utfall (collective outcome expectancy) en del av begreppet (Riggs & Knight, 1994). Studien syftar till att undersöka huruvida arbetsrelaterad- self efficacy, locus of control och collective efficacy predicerar outcome expectancy. En enkätundersökning genomfördes med 102 deltagare från olika yrkesgrupper. Resultatet visade att arbetsrelaterad- self efficacy och locus of control samvarierade med individual outcome expectancy och att collective efficacy predicerade collective outcome expectancy.