The recent history knows numerous examples of creditor?s inability to evaluate financial solvency of the client correctly. Creditors? risks do not only concern individual relations between the two parties but the economy in general. The standard loan-giving procedure considers evaluation based on a number of financial ratios.

The purpose of this study is to highlight how Swedish primary school teachers teach of and about democracy and based on this then compare with how the primary school teachers in South Africa teaches of and about democracy. This comparison will then highlight what can be developed in the teaching of and about democracy in Swedish schools. The method used in this study is mind maps because it gives a greater depth in the way teachers look at teaching democracy. The result of this comparison is that South Africa's history pervades the entire democracy education in school but both Sweden and South Africa use methods as dialogue and discussion in teaching of and about democracy. Furthermore, the community, curriculum, teacher and cooperation with other teachers also have an influence on how democracy's teaching looks like in schools.

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.

This thesis was conducted to assess how the privatization of Iran Air process managed in last efforts and how should it be in right way. It increases the knowledge about privatization in Iran and the need for it. Iran air as our case study is a flag-carrier airline company that is protected by government regulations and subsidies. We try to find the reasons for failure of privatization in Iran Air and their attempt on privatization.The method used to collect data was a qualitative methodology, consisting of semi-structured interviews with relevant managers, and knowledgeable professors and the official sites and press. In conclusion, we find that privatization is an important need for Iran Air Company and the main problems that are against Iran Air can be categorized to political, financial, and social.

The purpose of this thesis is to explore pupils' motivation for participating in Physical Education. The thesis also investigates the definitions of sport and health and to what extent pupils make any connection between the school subject physical education and their own physical and health status. A semi-structured interview was carried out with thirteen upper secondary school pupils with special needs on the Individual Programme. The interviews were recorded digitally and then analyzed. The results show that there is no unified definition of the school subject among the pupils.

The field of the social economy and of the work integration social enterprises (WISE) in particular, is for many a more or less unknown area. Unlike ordinary enterprises the WISE's are different due to their aim of integrating disadvantaged people through work. In comparison with other small enterprises earlier research has shown that the WISE's are dealing with challenges regarding recruitment, participation, leadership, sustainable business ideas but above all, the access to funding. The purpose of this essay has therefore been to examine and analyze the financial situation of eight WISE's located in the Stockholm County. The results indicate that half of the enterprises perceive their economic situation as very unstable and as an obstacle to their further development.

This essay is about the sexual- education at special schools for young people in the ages thirteen through sixteen with the diagnosis autism. The study aims to identify, describe and understand the teachers? experiences in how the education is practiced in their daily work with these children. The way of procedure we have used in the study is qualitative interviews with teachers at special schools. The result show that how the teachers practice the education depends on how the student group is constructed and the students? qualifications.

The purpose of this essay is to describe what difficulties and challenges are for teachers of religious education at upper secondary school. The essay is written from a teacher's perspective, where the focus is on the teacher's perceptions of the difficulties and challenges of teaching religious education. The methodology for the collection of information was done through qualitative interviews. Previous research shows that one of the challenges in the teaching profession is the interpretation of the curriculum, and then which of those is correct. The essay shows that the biggest challenges that teachers experience in the subject of religious education is the students' prejudice against different religious groups, and also the difficulty of getting students to understand the purpose of what is being taught.

In the proposition Nya förmånsrättsregler, 2002/03:49, the government suggests a new bill of beneficial rights, or FRL. The proposition has several changes, mostly for The Banking system. One of the changes is that the banks´ individual beneficial rights shall be replaced by a general beneficial right, where the beneficial value never exceeds 55 percent of the value of insurance bonds. Previously, the beneficial value was 100 percent.The purpose of this essay is to evaluate the relationship between the banks´ activities, and the new bill of beneficial rights, especially what the effects will become for the public companies within the printing houses, with 1 - 49 employees in the Skåne Region.The survey includes a total of 142 companies and it was distributed via e-mail. The conclusions from the study are that there are tendencies of increased difficulties for companies to get their credits granted by the banks.

The purpose of this study is to investigate whether and how some teachers in primary education in a multicultural area discussing the interculturality in their teaching with students from grades 1-3. It also aims to examine how students? cultural interactions in the classroom are expressed..

The aim of this essay is trying to understand the ideological changing process over the last decades and the ideological meaning of the relatively new conception lifelong learning as well, and how it comes that the opportunities offered the individual pre-school child and the individual compulsory-school pupil to assimilate the so important learning, differs so dramatically all though the expressed ambition to offer each and every one equal opportunities. What are the ideological structures that are, and have been in function, that carries and have carried the perceptions of the use and value of fostering and education?In a time with the welfare ideology in a hegemonic position, it was seen important that the state took major responsibility for the education of the citizens. In our time, it appears, an economist ideology has taken the hegemonic position, and education is becoming an increasingly economic issue, and equality is decreasing along with, as in general society, the increasing of segregation within the educational system..

Companies and organizations recognize the importance of collaboration to develop responsibility and ability of change in the workplace. The concept of collaboration was a relatively new idea in business in the late 1980s. In a Nordic context, collaboration is a traditional approach that companies use successfully for competition, survival and development. Collaborative organizational efforts cover management of committed people who can help companies achieve flexibility, customer loyalty, innovation and economic success on a challenging and competitive market. Many theorists believe that collaboration is the key to integrating technology, financial competence and innovation.

The purpose of the study is to find out how some teachers in Kenya reason about children in need of special support. To undertake the study the following question are used:How do some teachers in Kenya reason about children in need of special support?The study has been made with qualitative interviews in Kenya. A total of four teachers at primary school level have been interviewed. The decision to do qualitative interviews is made by the opportunity to get as comprehensive answers as possible from the respondents' reason about children in need of special support.Three different kinds of special education perspectives have been used in this study.

Investors have been shown to be driven by emotional and psychological factors. This contradicts classical financial theories, for example the Efficient Market hypothesis which states that all investors act rationally. Behavioural Finance is an area of study which describes various psychological factors which may result in irrational investor behaviour.The primary question of the study is: which factors do operating people in the financial sector consider themselves to be influenced by? The purpose of this study is to investigate the factors which affect the process of creating forecasts or making financial decisions. The study examines in addition if there is a correlation between length of investor experience and overconfidence in forecasting accuracy and investment decision making.The study includes both quantitative and qualitative analysis.

Since the 1950s new laws on higher education have led to a ?mass education phenomenon? in Sweden. This has led to a surplus of people with a university degree measured against available positions on the labor market. As a result of that development it must be assumed that in this over qualified society it is not anymore the degree but additional factors which are decisive for getting a job. In this respect the importance of the class background for getting a jobb that is equal to once level of education shall beexamined.The research was carried out by means of a Quantitative Analysis based on data from anational database called Undersökningar av Levnadsförhållanden (Survey of LivingConditions).