Since the middle of the 1980´s the Swedish bank market has experienced a change concerning structure and pressure of competition. Before the year 1985, the market was characterized as a market with few operators but have changed to a market with many operators and seen as one of the most intense in Europe where the four major banks; Nordea, Handelsbanken, SEB and Föreningssparbanken together have a strong position. Their market share has recently decreased, mostly for the benefit of foreign banks and niche banks. The Swedish market has experienced difficulties in generating profits which mostly depends on new establishments that have increased the pressure on competition, a low growth as well as weakened customer relations. The development has resulted in a growing importance of market segmentation, mainly by the fact that costumers have become more disloyal as a result of the increased competition.Students are a market segment of interest for the financial market, mainly because of the expectations of their positive financial situation in the future.

This report is a master thesis performed by Adam Lundin at the company Sandvik Coromants production facility in Gimo. The work started in January 2013 and went on for the duration of 20 weeks, which is equivalent to 30 hp. The project was executed at the department GVR10. The scope of the project was to create a base for improvements in the purchasing process of direct material to the production. The background to the project was that the centralized purchasing department has gone through changes and decision was taken to decentralize the purchasing of direct material to Gimo.

This is a critical discourse analysis of the conformation of the conflict in Goma, Democratic Republic of the Congo, as constructed by Ekot, a news-show on Radio Sweden. The ambition of this bachelor thesis is to examine the production of a Congolese conflict for a Swedish audience and to find out how the construction differences with and without a reporter in the field. To obtain this purpose the narrative is studied as well as the use of voices that define the conflict. The construction of proximity between Swedish audience and the Congolese event and the meaning of sound to stabilize the formation of discourse within foreign news is examined as well. To conform and explain foreign news it must be put in relation to a starting point.

  ?this Unpleasent klientel?A study on refugee care in Växjö between the years 1944 and 1947.The purpose of this study was to examine the treatment of sick refugees in Växjö in the 1940s. To achieve this a combination of quantitative and qualitative methods were used. The material found in the local archive and local newspaper was then put together and analyzed from the theoretical perspective, gender, class, ethnicity and social status.The result of this study shows that there were two main treatment wards for refugees, one that was supposed to treat women and children with active tuberculosis and the other ward treated refuges with ?epidemic diseases.? Foreign citizens were also taken care of in other words that were also not meant for refugees only, like the Epidemic hospital, which treated about 80 patients of a foreign nationality between 1944 and 1946.

Purpose: We have three purposes that will answer our problem questions. Our first purpose is to identify how diversification effects for investors changed between emerging markets and developed markets in the period 1996-2010. Our second purpose is to examine the two crises, IT and financial crisis, and if the correlations between these two crises have changed. Our third purpose is to examine to what extent the Swedish stock market was influenced by other markets in the period 1996-2010, the IT and financial crisis.Methodology: The method is based on an analytic model consisting of two tools; Regression- and Correlation analysis. The Regression analysis will be used when investigating if a change in a foreign stock market affects a change on the Swedish stock market.

 Prostitution has been intensely debated in Sweden for nearly four decades. Two major investigations have so far been initiated by the government and numerous propositions have been put forward in the Swedish parliament resulting in the sexköpslag from 1999 that criminalizes purchase of sexual services. The law aims at punishing the buyer and protecting the women in prostitution, thus making it possible for women to be helped by various social interventions rather than punished. Swedish society has undergone major changes in these decades. Globalization, the internet and the membership in the EU have changed the Swedish society and influenced the discourse on prostitution.This paper has a twofold aim, on the one hand investigating if and how these changes have had an impact on the prostitution discourse in texts produced by the government and analyze how female and male sexuality in connection to prostitution is constructed.

The purpose of this study is to examine how teachers and parents are communicating with each other in a foreign area. In case of obstacles in the communication, this study will examine how the preschools create opportunities to solve the problem. This study will also look closely at this relationship from an intercultural communication.This study is based on interviews. My informants are four teachers and four parents, one of the parents is Swedish and the other three have different ethnic and culture backgrounds.This study has reached to several results. The interviews with the teachers have shown that they are unsatisfied with their relationship with the parents because there are two factors that result to their communication difficulties.

The purpose of this thesis was to analyse if the six month rule in chapter 3 § 9 part 1 in IL is compatible with EU law regarding the free movement of employees and in case of discrimination whether the rule can be justified. First of all the retroactive salary for an unlimited taxpayer and during the period of income earning a limited taxpayer who later became unlimited taxpayer will be analyzed in order to determine if they are considered to be in a comparable situation. An unlimited taxpayer is subject to taxation in Sweden for all of his incomes regardless their origin. However there is an exception according to six month rule, which implies that physical persons who stay abroad due to their minimum six months employment are in Sweden free from their incomes earned abroad if they are taxed in the country of employment. Tax exemption is applicable even if the payment from an employee working abroad is made retroactively.Article 18 EUFF states a general prohibition of discrimination on the grounds of nationality.

The purpose of this study was to analyze two local tourism related organizations in Umeå and how they used the marketing method Storytelling. The aim of this study was to examine what kind of stories the tourism related organizations were using, what these stories said in a direct, or in-direct way and how the reception was of the stories and the destinations. A qualitative study in the form of a discourse analysis based on Laclau and Mouffe's view on discourse analysis was conducted. The results of this study shows that storytelling is more effective when it is incorporated in the whole destination/organization when it comes to tourism related organizations and destinations. It also shows that storytelling in itself isn't only an innocent and positive tool and can cause negative feelings if used wrongly for an organization/destination.

The aim of this thesis is to create an understanding of the incentives for forest companies to invest in reducing carbon dioxide emissions from deforestation and forest degradation, which is termed REDD. The Brazilian Amazonas was chosen as the base for the investment case. Brazil has the largest area of rainforest in the world, and also the biggest problem with deforestation. The Amazon region of Brazil comprises rainforest which is largely intact and unexploited. Accordingly, there is significant potential scope for prospective investments in a REDD-project, and so have a noteworthy impact in preventing deforestation.The research approach used the United Nation?s Clean Development Mechanism concept was used as a framework for ascertaining the investment costs in potential REDD-projects.

The teaching of modern foreign languages within Swedish educational system has been a subject of a number of alarming reports in recent years. Several studies have shown that students lack motivation to learn any language but English. Of particular concern is the young males? underachieving and disinterest in foreign languages. In the meantime, a number of international studies and the statistical data from Swedish national agencies of secondary and higher education (Skolverket and Högskoleverket) have indicated that Russian is one of the languages that are favoured by males. The primary goal of my case study was, therefore, to examine students? motivation to learn Russian and their attitudes towards language, community and Russian-speaking people.

This thesis investigates and analyses the social media strategy of eight companies. How the companies measure and evaluate their activity and investments in social media channels in general, and Facebook in particular is studied through qualitative interviews. The findings are then compared and analysed. Findings indicate that companies' social media presences to a large extent are dependent on individual employees with high levels of interest for the area and that companies that have integrated social media into their others operations see more value from their efforts..

The thesis deals with packaging of real estate?s; an approach concerning tax benefits with the purpose to sell real estates in a more beneficial process than what is doable in direct sales. The proceeding can be beneficial because of the rules in Inkomstskattelagen (19999:1229) regarding underpriced transfers and selling of business related shares.  The real estate owner initiates the procedure through an establishment of an affiliate to a previously wholly owned parent company, where the real estate is the solitary asset of the affiliate. In order to fulfill the rules of underpriced transfers the transfer from the parent company shall be valued in regards to the tax value, else it will be taxed.

The teaching of modern foreign languages within Swedish educational system has been a subject of a number of alarming reports in recent years. Several studies have shown that students lack motivation to learn any language but English. Of particular concern is the young males? underachieving and disinterest in foreign languages. In the meantime, a number of international studies and the statistical data from Swedish national agencies of secondary and higher education (Skolverket and Högskoleverket) have indicated that Russian is one of the languages that are favoured by males. The primary goal of my case study was, therefore, to examine students? motivation to learn Russian and their attitudes towards language, community and Russian-speaking people.

The teaching of modern foreign languages within Swedish educational system has been a subject of a number of alarming reports in recent years. Several studies have shown that students lack motivation to learn any language but English. Of particular concern is the young males? underachieving and disinterest in foreign languages. In the meantime, a number of international studies and the statistical data from Swedish national agencies of secondary and higher education (Skolverket and Högskoleverket) have indicated that Russian is one of the languages that are favoured by males. The primary goal of my case study was, therefore, to examine students? motivation to learn Russian and their attitudes towards language, community and Russian-speaking people.