The purpose of this essay is to investigate whether the implementation of the Solvency II directive will create a competitive advantage for the Swedish insurance companies compared with other insurance companies in Europe.Therefore the theoretical perspective illustrates the specific requirements and risk culture of the insurance industry and defines the critical success factors for a successful implementation of the directive. The empirical foundation is built on the QIS 5 reports for Sweden and Europe, interviews with the Financial services and If insurance company as well as information from a seminar organized by KPMG. The analysis shows that the Swedish insurance companies meets the capital requirements of Solvency II by a large margin and that they are accustomed to risk management and reporting requirements from the traffic light model. This implies that the three critical success factors for a successful implementation of Solvency II are met, although with some limitations, and that Swedish insurance companies could possibly have a competitive advantage.     .

Detta arbete har bedrivits i syfte att kartlägga funktionalitet, teknik och användningsområde gällande Web Services. Innehållet utgör således en teoretisk utvärdering av Web Services, samt tester av grundläggande programmeringslösningar. De frågor arbetet ämnar besvara är hur en Web Services på lämpligt sätt kan baseras på en befintlig tjänst, samt på vilket sätt denna Web Services kan göra aktuell tjänst lättare att använda. Dessutom belyses eventuella problem som kan uppstå i samband med denna Web Services-anpassning. I syfte att presentera ett lösningsförslag på ovan nämnda frågor granskades, via en litteraturstudie, ett antal informatikrelaterade begrepp liksom faktorer förknippade med kommersiell verksamhet på Internet.

The aim of this study was to understand how the professional in social work handles the media scrutiny. When the media writes about social services there is seldom anything positive written about it, many social services organizations are instead heavily criticized and scrutinized by the media. When social services organizations are scrutinized by the media there is a crisis at work, and therefore should be handled as a crisis. Therefore, we describe how a crisis management might look like in an organization. The study is qualitative therefore we have interviewed four municipalities in Sweden that have been exposed by the media at a national level.

Eight libraries, seven public libraries and one college library, in the northeast of Skåne serve as foundation in a collaboration where students and adult learners are placed in the center of attention. The aim of this Master's thesis in library and information science was to study how the students and adult learners in the northeast of Skåne perceive the library services that are developed with their needs in mind.Our method for this thesis was a quantitative interview study. We aimed to conduct interviews with users at the public libraries within the cooperation and thereby find out whether or not users within the target group were aware of the services that are developed and established within the northeast Skåne collaboration.The results showed that only a few respondents in the key target group did in fact know about certain parts of the library services especially developed for the northeast of Skåne-collaboration. The majority of the key target group also thought that study-related literature and reading rooms were the most important means that the libraries have to offer them in their studies. The northeast of Skåne-collaboration had many ideas concerning library services.

The overall aim of this study is to investigate how social workers who are dealing with financial assistance are experiencing discretion in their daily work. The aim of the study is also to examine how social workers who are dealing with financial assistance relates to the controlling and the supporting functions of their daily work and how this in turn affects the attitude to the client. In order to examine the aim of the study, qualitative method was used. Eight social workers have been interviewed and presented with two fictitious cases that they have been able to discuss. Theories regarding the street-level bureaucrat and its discretion have been used to interpret and understand the collected material.

The amendment of a law which is expected to come may well have a significant impact on the Swedish real-estate broke market. The law change will probably have an effect in the number of ways real-estate brokers will compete as a result of the increasing variety of services offered. In order to gain competitive advantages brokers must be at the forefront in the development regarding the changing market. To do so requires that the company chooses an appropriate range of peripheral services that are profitable. The problem is to choose the ?right? services to convey. The purpose of this paper is to describe the services that are in demand for transmission and how the agents can work to meet the demand of this new market.

The employment structure consists of different sectors, whose share of the total employment rate is all part of an economic structural conversion according to this thesis applied theoretical approach. A structural conversion, which consist of recurring crises, such as the financial crises in the early 1990s. This crisis and its effect on the Swedish economy is well-documented, while the shortage regarding the effect on a smaller scale, in a local and regional context, provides this thesis purpose. More specifically, a comparison between the two neighbouring towns of Malm? and Lund, will constitute the local contexts in this research.

Trading financial securities at stock exchanges and other authorized market places is today a particularly important socioeconomic phenomenon in many industrialized countries. A well functioning securities market is crucial for the economic development in these countries. The modern trading with stocks and other financial securities is characterized by the fact that the majority of the transactions at the stock exchanges are carried out through various intermediaries. The ultimate counterparties that are involved in a securities transaction (the seller and the buyer) are often unknown to each other. The anonymity in the securities trading implies several interesting legal problems.

This report presents the development process of a mobile interface for the C2-monitor. A monitoring tool used to support the operations for the broadcasting services of Ericsson Broadcasting and Media Services (EBMS). With the support of the C2-monitor, operators can monitor hundreds of channels and services produced from EBMS. To enhance a more flexible working environment, the C2-monitor needs to be developed further to support mobile devices with a customized design to take advantage of mobile phones features and functionality. Established and well-recognized design methods and principles have been applied in the development process and user testing have been made iteratively throughout the project.

Ever since it was first introduced in an article in the Journal of Finance 1952, Harry Markowitz? mean - variance model for portfolio selection has become one of the best known models in finance. The model was one of the first in the world to deal with portfolio optimization mathematically and have directly or indirectly inspired the rest of the world to develop new portfolio optimization methods. Although the model is one of the greatest contributions to modern portfolio theory, critics claim that it may have practical difficulties. Partly because the Markowitz model is based on various assumptions which do not necessarily coincide with the reality.

This study aims to highlight the activities and needs of students in order to explain how mobile services can provide support and facilitate students on a daily basis. The empirical data is based on discussions with a focus group combined with already existing research concerning the areas of mobile service development, contextual-awareness and ubiquitous computing. The results from the focus group show that students have a need for mobile services to help and support them in their ordinary tasks and activities. In the discussion of this report we bring up aspects of development and what to think of when dealing with students..

PurposeThe purpose of this thesis is to investigate the market of pedagogic consulting and how the customers look upon these kinds of services and what the consultants think about the market. The following five questions were investigated:What is the situation of the market of pedagogic consulting?-          What needs and what demands are there of pedagogical consulting services? -          What are the economic possibilities for schools and municipalities to buy professional development and consulting services?What do schools and municipalities think about their needs and what do they think about buying professional development from consultants?-          How are the professional development offerings of the consultants recieved by schools and municipalities and is there a difference between the private and public sector of education? -          What impact could professional development have on schools?In what way is the marketing for pedagogic consulting done?Method In this study I have chosen to have a qualitative approach with an abductive perpective. I made these choices to get closer to what I wanted to investigate. Through the abductive methodology it was possible to go between theory and empirics.

The aim of this study is to analyze the justification of a financial incentive that rewards students who rapidly finish their studies within the language education ?Swedish for immigrants? (sfi). Thereby, we want to see what assumptions are made about the students, and relate this to experiences of the education at a local level. We applied a text analysis on a government bill about the incentive, which showed that the deficiencies in the education are said to be caused by the students? lack of effort.

Background: 2009 it has occurred a crisis in some of the member states of the European Union: Spain, Portugal, Italy, Ireland and Greece. Despite, some major banks in the world had begun to recover from the financial crisis that occurred from 2007 until 2009, there were still banks who found it difficult to survive. Greece is one of the countries that suffered from the financial crisis. The high budget deficit and the unsustainable debt are underlying the crisis.Banks as financial intermediaries have important function in a nation?s economy.

This paper examines how individual social welfare officers argue about the conditions in foreign aid. The paper is a qualitative interview study there nine social welfare officers from four local governments have been interviewed.The results are divided into two areas. First, the client's responsibility over their own lives   and self-determination. These two areas are then analyzed separately.The analysis assumes an aletisk hermeneutics where the basis for the attribution of the result is Max Weber's vocation ethics and the more recent research about foreign aid.The conclusion of the study was that social workers believe that the client's responsibility for their own self-sufficiency outweighs supply. Financial assistance must be justified in order to be paid regardless of whether this causes rejection of application for financial aid..