The financial crisis in the beginning of the 1990´s the financial crisis had a strong impact on the Swedish economy. Some of the main actors in the crisis were the largest banks of Sweden which brought a huge amount of losses on themselves. One of the main reasons for this was that the banks focused on volume increases rather than on credit losses. The credit analysis process is performed differently these days and it is the development of this process that is the focus for the authors.This thesis is about the credit analysis process in the four largest banks of Sweden. The purpose of the thesis is to highlight which factors the banks include in the credit analysis process and in how small and medium size companies are treated in this process.

This Masters thesis work describes a comparison between two different methods for estimation of the down channel (base station to mobile subscriber) in Wide-band Code Division Multiple Access (WCDMA). The first estimation method, Optimal Feed-forward Channel Estimation (OFCE), is a conventional method that bases the estimates on data that is known to both sender and receiver, so called pilots. The second method, Decision Directed Channel Estimation (DDCE), is an elaboration of OFCE. It also uses user data for estimation. Simulations show that DDCE, in comparison to OFCE, does not attain an improvement in signal-to-noise-ratio (SNR) for high bit error rates (BER). An improvement is only seen when the BER becomes much lower than what is common in real situations. In conclusion DDCE is complicated, involves many mathematical operations and gives insignificant improvement of SNR when BER takes common values. It is legitimate to question if it is possible to use the method in a real mobile phone system..

This thesis is focusing on how global and local search engines retrieve information from the local domain. The three search engines tested are the global search engines Yahoo, Ask.com and the local search engine Web Wombat. The questions we examined were: which search engine has the best retrieval effectiveness? Could there be other reasons than retrieval effectiveness, to choosing a local search engine?For our test we constructed 20 questions related to Australia.We chose to divide the questions into topics like nature, sports and culture. For all questions we evaluated the relevance of the first 20 hits.

Det är viktigt att utvärdera hälsofrämjande arbete. Utvärdering är en formell värdering av nyttan av någonting. Utvärderingar delas in i tre kategorier: Formativ utvärdering, Processutvärderingen samt Resultatutvärdering. Idrottsföreningen Jämjö GoIF driver sedan 2012 ett projekt som heter ?Nya mötesplatser för unga människor på landsbygd?.

Master thesis work at ITN (Department of Science and Technology) in the areas of A/D-construction and RF-circuit design. Major goal of project were to research suitable possibilities for implementations of direct conversion in transceivers operating in the 160MHz band, theoretic study followed by development of components in the construction environment Cadence. Suitable A/D- converter and other important parts were selected at the end of the theoretic study. Subsampling technique was applied to make A/D sample requirements more realistic to achieve. Besides lowering requirements on A/D-converter it allows a more simple construction, which saves more components than subsampling adds.

Objective: The objective of this study is to examine the extent to which the London stock exchange and the US stock exchange Nasdaq respectively contributes to the price discovery of Swedish stocks listed on the Stockholm stock exchange, the London stock exchange and the US stock exchange Nasdaq.Method: The study is a replicate study of the studies by Grammig, Melvin and Schlag (2000) and Eun and Sabherwal (2003). The methodology is based on the methodology of the latter study. The data material consisting of quoted stock prices for three Swedish stocks on the three stock exchanges at five-minute intervals during a 49-day-period in 2003 has been run through different statistical tests in a five-step process.Conclusion: The evidence of this study shows that prices on SSE, LSE and NASD are cointegrated and mutually adjusting. The evidence suggests that in all three cases, price discovery takes place on the home stock exchange SSE. Moreover, LSE contributes more to price discovery than Nasdaq.

In time with HolmenSkog district Egenskog Norrköping´s decreasing mountain of cleaning, the office started to look around for new alternative cleaning strategies to lower the costs connected with cleaning. One option was to make the inventory strategy more effective and after a phonecall with the head of the district, Jonnie Friberg, the planning started to try inventory in pictures taken from a helicopter. The pictures was at last taken from a digtal camera and the vegetationheight was mesured with a laser. The gear was supplied from Kallax Flyg AB, Luleå. In the trial 15 stands was selected depended on age and different mixtures between pine (Pinus sylvestris), spruce (Picea abies) and birch (Betula pubescense and Betula pendula).

During the last years around 100 000 immigrants have arrived to Sweden, people with different reasons and different goals for settling down in Sweden. The reason for immigrating to Sweden that will be dealt with in this thesis is following immigration, i.e. when someone moves here because they have relatives living in the country.The reason why it is interesting to study following immigration is that it is an affecting factor for how many that will immigrate to Sweden the following years and may then be used to make a forecast, based on how many first time immigrants there are. To be able to investigate the following immigration analyses are made with time series, logistic regression and Poisson regression. An ARIMA-model has been used to estimate the number of following immigrants in the future.The other part of this thesis will inquire the matter how inclined immigrants are to become Swedish citizens, whether they even apply for citizenship and also how long time it takes from the time when they fulfil the conditions for Swedish citizenship until they apply.

In today?s society, safety in a workplace is an important factor to any organization. Focus on improving the working conditions by making them safer through technology is taking us into a time where we rely on technology to keep us safe. How well developed the technology may be, it is still not enough to keep us entirely from harm. Human error will always be a factor in the human interaction with a workplace.

A more complex and turbulent world market puts pressure on flexibility and the ability to adjust its business to the market changes. The rapid and unpredictable change is hade to analyze and forecast which demands more short-term forecasting. The issue for this dissertation is based upon the demand of more flexible ways of doing business in the bank sector in Sweden, which is a turbulent and unpredictable market. Handelsbanken is a company that uses the so called Beyond budgeting concept and the dissertation is about this company?s ability to solve the economic governance without the traditional budgeting process.

People are usually directed towards each other in conversations, to make it easier to hear what is being said. Algorithms for voice and speech recognition works in a similar way, regarding the microphone direction towards the sound source. In this thesis in electronics has therefore a servo control with binaural sound localization been implemented on a microcontroller connected to two microphones.When people perceive sound, the brain can estimate the sound source direction by comparing the time taken by the sound reaching one ear to the other [1]. The difference in time is called the interaural time difference, and can be calculated using various techniques. An exploratory comparison between the techniques cross-correlation and cross-spectrum analysis was carried out before implementation.

Det är viktigt att utvärdera hälsofrämjande arbete. Utvärdering är en formell värdering av nyttan av någonting. Utvärderingar delas in i tre kategorier: Formativ utvärdering, Processutvärderingen samt Resultatutvärdering. Idrottsföreningen Jämjö GoIF driver sedan 2012 ett projekt som heter ?Nya mötesplatser för unga människor på landsbygd?. En del av projektet är mötesplatser för barn på idrottsplatsen som kallas framtidsgrupper.

Work Environment problems on construction work sites are very extensive and discussed. The construction industry is one of the most dangerous industries in Sweden. The construction industry occupies about 290 000 employment (2009), and the investment was 250 billion SEK. This report will investigate the issues of the work environment and offer advice on how these can be measured and imporved. The study includes review and analyses of occupational injury statistics, interviews, inspections and audit and review of the literature.

Today?s construction buildings contain more advanced technologies than before. The development of newer and stricter regulations to the construction industry makes the door environment more and more complex.In large construction projects the door environment is held up as a major challenge to get to in a good way. It turned out after a discussion with one project manager and a site manager at NCC, that the door environment is difficult to get right in major construction projects and it often causes many error reports in to the aftermarket after that the final inspection is completed.Interviews have been done with key figures in the building process at NCC and Akademiska hus. A study on a university building for around 3500 students and with 300 workplaces was made.

Lameness localized to the hoof is a common problem in horses. Magnetic resonance imaging (MRI) as a diagnostic tool is becoming more common and is well suited for examination of the distal limb and the hoof capsule. Today there are two different methods of MRI where in one the horse is under general anesthesia and in the other the horse is standing and only sedated. In this study we have compared the visualization of the distal interphalangeal joint using these two methods in two different groups of horses with unknown clinical problems referred to two different equine hospitals. The width of the joint structures including thickness of joint cartilage and joint fluid and also the width of the dorsal pouch of the distal interphalangeal joint were measured.