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.

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.

Detta examensarbete avser att beskriva hur kvinnliga lärare ser på deras arbetsvillkor och hur maktstrukturer påverkar deras arbete. Två kvinnor och en manlig lärare har blivit intervjuade i New South Wales, Australien och två kvinnor och en man har blivit intervjuade i södra Sverige. Jag har använt mig av genusteorier för att analysera mina informanter svar. Resultatet i denna uppsats visar på att genusordningen påverkar lärarens roll, arbetsvillkor och status negativt. Detta eftersom de regler som finns för både profession och status är uppbyggda efter manliga normer och läraryrket består främst av kvinnor.

Denna uppsats ger en tillbakablick på skolämnet svenska som andraspråks något komplexa historia och karaktär. Här undersöks även hur det ser ut för elever med huvudämnet svenska som andraspråk i dagens skolverklighet, samt hur elevernas utbildning i sin tur ses på av lärare och skolledning: det vill säga vilken status ämnet har. En kvalitativ intervjuundersökning har genomförts på IVIK (individuella programmet introduktionskurs för invandrare) på gymnasieskolan. Fyra lärare, en rektor samt en kurator har intervjuats, alla med koppling till IVIK. Resultatet visar att det råder stor okunskap om ämnet svenska som andraspråk inom skolvärlden, och många däri ser ämnet som ett stödämne.

AbstractAccording to several researchers finance is scarce, scarcer for small businesses than for big enterprises. Small and medium-sized enterprises, SMEs, that want to start exporting and sales or manufacturing abroad need capital to get ready. Which capital structure and financial costs do they have, and which forms of finance do they actually use for that purpose. New american research by Mansi, Reeb (2002) has suggested, that there is a positive connection between leverage and a negative one between financial costs and internationalization, and that a non-linear model better describes this connection.This study has gathered data in two ways: Through a questionnaire from 37 SMEs and balance sheet figures from totally 166 manufacturing SMEs. In order to examine, whether the company was active on the international market, 200 SMEs in south Sweden were asked, if they exported to, produced or sold on any other market than their home market.

The aim for this paper is to investigate how a limited number of youth recreation leaders and leisure-time pedagogues view their vocational competence, which kind of power the persons in the essay experience to have in their workplace and which kind of status they experience that they have in comparison with other occupational groups in their schools. The final aim of the paper is to find out how teachers interact with youth recreation leaders and leisure-time pedagogues when it comes to their vocational competence. My questions are:How do a group of youth recreation leaders and leisure-time pedagogues view their professional assignments?How does a group of youth recreation leaders and leisure-time pedagogues view their power in their workplace in comparison with other occupational groups?How do a limited number of youth recreation leaders and leisure-time pedagogues view their status in relation to teachers, other occupational-groups and parents? Which role have my respondents been assigned by their team and why do they think they have gotten that role?To answer these questions I have used a qualitative method which includes four in depth interviews. The overall theoretical perspectives are symbolic interactionism and social constructivism.

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.

Tidigare utförda servicebulletiner och luftvärdighetsdirektiv på flygplanet SE-KOL finns nedförda och redovisade i handskrivna dokument. För att på ett enkelt och smidigt sätt kunna ta fram status avseende SB och AD har innehållet i handskrivna originalhandlingar överförts till ett digitalt system i vilket utförda åtgärder blivit överskådliga och sökbara. Rapporten beskriver det överföringsarbete som legat till grund för den digitala listan samt det granskningsarbete som gjorts mellan utförda åtgärder och originaldokument från luftfartsmyndigheter och tillverkare, för att fastställa SB/AD-status för flygplan SE-KOL.Utifrån tidigare utrustningslistor, datalistor och tekniska dokument har en uppdaterad utrustningslista sammanställts med ökad överskådlighet samt sökbarhet, ur vilken information om flygplanets fortlöpande utrustningsstatus kan tas fram. Utrustningslistan som skapats är det underlag som senare tänkt användas vid överföring av flygplanets utrustning till ett bättre uppföljningssystem..

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.

The Swedish business cycle is in a strong position at the moment, leading to great results and larger profits. This strong business posture has encouraged companies to increase both their liquidity and revenue. Now there is a dilemma, what actions should or could a respectable business take on these newfound liquid assets.The purpose of this paper is to deliver a clear picture of what options there are for such companies listed on the Swedish stock-market, and how the market wants them to act. To these means we have studied the basic theories linked to this subject and reviewed the cause and effects that motivates them. We have also conducted interviews with the people representing the market through their line of business.In the theory we found several options on what companies in similar situations tend to do.

The purpose of this paper is to find out which portfolio theory one should use during a financial crisis. We will examine two different portfolio theorys, the Minimum Variance portfolio and the beta portfolio.We have chosen to study two different portfolios, and followed their development during the financial crisis with its start in 2008 and the IT bubble with its start in the middle of 2000.The data has been collected from OMX internet database making it quantitative study. The beta portfolio's objective is to follow the index and the Minumim Variance portfolio´s objective is to spread the risk by investing in stocks with low volatility. By following the two different portfolios, and compare the development to the index, we will be able to determine which theory is most suitable to use during a recession. The studyperiods we chose were both in a recession and it turned out that the most appropriate portfolio to use was the Minimum Variance portfolio because stock in this portfolio tends to be less sensitive to economic fluctuations..

The purpose of my essay is to study and analyse how adolescents with different socioeconomical backgrounds experience their consumtion needs.There are five main questions:1. How do adolescents experience their needs of status symbols, labeled clothes etc?2. In what way does adolescents experience influences over their consumtion options?3.

Background and problem: The importance of banks was clearly shown during the last financial crises, when the crises that started in the banking sector spread to the rest of the world. This is one of the reasons that this thesis is focused on banks in particular, one other reason is that a lot of previous studies has chosen to exclude banks because of the fact that their balance sheet differ from non-financial companies. This thesis is a beginning in filling in the gap that exists in the knowledge of banks capital structure. Purpose: The purpose of this thesis is to prove that it is possible to explain the capital structure in banks and that differences in the capital structure of the banks in Great Britain, Sweden and the United states of America exists. Method: The fact that our study is partly a replication of two earlier studies made a deductive approach most appropriate.

I en värld där individer möts av mängder av ekonomiska begrepp och ekonomisk information dagligen har forskning visat att människor har svårt att engagera sig och ha den förståelse som krävs för att hantera sin egen privatekonomi. Begreppet ?Financial Literacy? nämns ofta som en förklaring till människors olika kunskapsnivå och förståelse. I människors yrkesmässiga roll tas denna förmåga ofta för given vara uppfylld. Denna uppsats har undersökt ekonomiska kunskaper och ekonomisk förståelse hos enskilda näringsidkare, en företagsform där privatekonomin och näringsverksamhetens ekonomi är nära sammankopplade.