Småföretag utgör 99 % av totalt antal företag i Sverige, och därmed är småföretagandet viktigt för det svenska näringslivet. Banklån utgör idag den vanligaste externa kapitalkällan för småföretag som söker finansiering och då det innebär risk för bank att låna ut pengar krävs det en finansiell bedömning av bankens handläggare för att bedöma risken. Finansiell bedömning kännetecknas av informationsasymmetri, och för att kunna hantera problematiken med informationsasymmetri fordras det att handläggare samlar in och tolkar signaler från småföretag. Då det finns utrymme för bankens handläggare att tolka småföretagens signaler är det relevant att studera hur handläggares kunskapsstrukturer påverkar finansiell lånebedömning. Syftet med denna studie är att skapa förståelse för hur kognitiva kunskapsstrukturer kan tas sig uttryck i bankhandläggares finansiella bedömning av småföretags låneansökningar, detta genom att (1) identifiera centrala signaler i bankhandläggares finansiella bedömning av småföretags låneansökningar, och (2) utveckla en modell bestående av strategier för hantering av signaler i finansiell bedömning för bifall och avslag av småföretags låneansökningar.

The purpose of this thesis was to investigate thephenomenon language café, an activity that is held in public libraries into which anyone is welcome who wants to practice their skills in Swedish, and see how this can be put in relation to integration. To reach the purpose we developed two research-questions; What does the language café fulfill for its participants? and How can the language café contribute to the promotion of integration? The study is based on semi-structured interviews with seven participants from language cafés. The theory used to analyze the results from the interviews is the Swedish sociologist José Alberto Diaz theory about the integration process which can be divided into seven dimensions. The findings of the thesis were that the language café can fill the function as a place to Speak Swedish, for Community-information, a place to meet and a place for trust and self-confidence.

The focus in this study is on the situation of Roma in Sweden. The purpose is to see the integration strategies that are reflected in Swedish politics, considering the inclusion of Roma. Idea analysis has been used as method, and I have analysed the text to find expressions of four different ideal types that represent four different types of integrations processes. The material consists of the government?s strategy plan for the Roma?s inclusion in Sweden between 2012-2032.

The aim of this study is to discuss the implementation of Swedish integration policy from the perspective that public officials, so called front-line bureaucrats, are the real creators of this policy. The concept of integration is far from unambigous; it can have different meanings depending on the theoretical perspective applied. This give topical interest to the question of how the concept is conceived on the national level versus the implementation level. I also aim to uncover how these front-line bureaucrats look upon their role as creators of integration policy. My material consists mainly of interviews with front-line bureauctrats.

Den här studien är gjord på initiativ från Bodens kommun som upplever att det inte finns någon generell standard för hur digital ekonomisk och finansiell information bäst kan bevaras långsiktigt. Med ett avstamp i vad jag ansåg vara relevant teori, genomfördes studien med hjälp av semistrukturerade intervjuer med personal från ekonomiavdelningen och analyser av dessa..

The purpose of this masters thesis is to find out whether the library can be a way to support integration. To fulfil this purpose we have, by qualitative interviews, obtained information about eight immigrant womens views on and experiences of the Swedish public library. Through the literature and earlier research we have presented a background of immigrants and integration in Sweden along with factors that may influence the integration process. We have tried to give an insight into what is said about the immigrant woman in research and media, which we think affects her life and we also have given a short introduction to immigrant womens life in Sweden today. Of great interest for our essay have also been the public librarys objectives and social role in society.

Finansiell rådgivning har blivit en allt viktigare del av värdepappersmarknaden och samhället i stort. Nya lagar och riktlinjer har kommit till för att skydda konsumenten och öka kompetenskraven hos rådgivarna. Trots detta har Finansinspektionen hittat och belyst ett flertal risker som konsumenten kan utsättas för och årligen inkommer ett stort antal anmälningar till Allmänna reklamationsnämnden från konsumenter som är missnöjda med den rådgivning de fått. Om antalet anmälningar som inkommit till ARN under åren 2008-2011 ställs i perspektiv till antalet rådgivningsmöten som hålls per år utgör denna siffra ca 0,02 % av antalet möten. Det är därför intressant titta på hur stort problemet kring misslyckad finansiell rådgivning egentligen är samt att undersöka hur bankerna säkerställer kvalitén på rådgivningen.Syfte: Studiens syfte består i att kartlägga och analysera de fall som skett avseende misslyckad finansiell rådgivning gentemot privatpersoner, samt att granska och analysera hur bankerna säkerställer kvalitén på den finansiella rådgivning de erbjuder.Genomförande: Genomförandet av studiens datainsamling har skett genom en kombination av intervjuer, granskning av dokument, empirisk forskning samt finansiell teori och rådande lagstiftning.

ROS är ett produktnära system som stödjer planering och återrapportering i stålverket. Sandvik vill undersöka möjligheterna att modernisera användargränssnittet på detta system som idag är terminalbaserat till ett modernt grafiskt interface. Två metoder analyseras, den ena innebär att använda en kommersiell produkt för screen scraping och den andra metoden är Web Services Integration Toolkit som är freeware. Resultatet från analysen visar att Web Services Integration Toolkit klarar av att uppfylla de mål som är satta. En testkörning av Web Services Integration Toolkit görs också på ROS och resultat visar att metoden fungerar även fungerar i praktiken..

The purpose of this study is to see what obstacles and opportunities the staff on a residence for unaccompanied children experience when trying to integrate these children into the Swedish society. I was also interested in how the integration of these children worked. I have interviewed the staff with a qualitative method. The result was analyzed with the help of Diaz integration theory and Bauman´s theory "us and them", and also with the previous research in the subject. My conclusion is that integration is a complicated concept that is experienced and interpreted individually. There are both obstacles and opportunities in the work with the integration of unaccompanied children. The result shows me that the schools? role and the legal guardians function should have been better planned and framed from the start.

En sammanfattning av uppsatsen på maximalt 8000 tecken..

The purpose of this master?s thesis is to find out in which ways a group of first generation immigrants use Swedish papers and magazines in a public library and which information needs this group has about Swedish society. One important aspect in this essay is integration of immigrants in the Swedish society as a possible effect of newspaper reading. The method used in this study is qualitative. Data is generated through semi-structured interviews.

A successful acquisition is based upon good preparations before the integration process..

Our purpose with this study was to look at the connection between social capital and integration. Particularly if meetings between people from different cultures can increase social capital and in that way affect integration. We start by identifying the social integration perspective we are going to use through out the study and then we introduce social capital theory as a way of narrowing down the field even more. The study was done through six semi structured interviews. We interviewed three women that was established in the Swedish society and three women that had immigration background.

The purpose of this essay was to find out whether the students, which had moved from the school of Gustaf Adolf to the school of Elineberg, had been integrated into their new environment. We chose to analyze the degree of integration concerning their schoolwork, how they interacted with the students from the new school, the school of Elineberg, and their level of wellbeing in their new school. We have used two methods, surveys and interviews, to be able to obtain the general picture of how the integration of the students has succeeded.Our conclusions are that the student has adapted well in their new school despite many obstacles along the way. Our essay shows that the students get along well with their new school friends during class, but they don´t socialise in their spear time. Although they seem to have accepted the closure of their old school some students express that they wish the school would be reopened.

This study is a qualitative study of two primary schoolteachers and two special teachers approach to children with special needs, and which procedures according to these teachers can be applied to support these children in their progress at school. Building on key concepts such as segregated integration, including integration, diagnostic and children with special needs. This was then analyzed with information collected from the four formal interviews.The study also sheds light on key concepts such as special support, diagnosis, segregated integration and including integration. The conclusion explains the concept of including integration as an approach that works well for both students with special needs in a short period of time yet also students with diagnoses. This is presented in the end of this study with different suggestions for a continued research on children with special needs..