This study examines the effects of credit risk and information disclosure in the new bank regulating system Basel II on bank and bank customer. The effects are then discussed in a perspective of the economic man and information asymmetric theories. Furthermore is the Basel II effects on the capital adequacy of Andelsbanken för Åland examined.The approach of the study is qualitative and several interviews with individuals on different levels of the examined bank, Andelsbanken för Åland, have been carried out during the collecting of empirical facts about the effects of the regulating change from the Basel I system to Basel II.The research findings are as follows:Andelsbanken för Åland have increased its capital adequacy ratio from 12,7 percent to 14,4 percent, mostly due to lower risk weights on housing mortgages compared to Basel I. Andelsbanken för Åland have started to use a completely new credit risk and customer assessment system which classifies every customer and gives them a credit rating. The system cause a much heavier information gathering of the customers profile as well as a much better assessment of risk than the previous system, which the bank finds positive.

The overarching purpose is to describe how elite soccer clubs choose to structure their sport oriented organization. This purpose leads us to questions and areas involving sport managers, casting, operational directions, education and goal setting in sport.The results in this thesis are based upon a qualitative investigation of sport managers in Swedish elite soccer clubs. To strengthen the reliability in our choice of method we will fortify it with theories that reflect methodical choice.Our conclusions in this thesis is that one can see a clear difference in how the clubs choose to structure the casting and operational directions within their organization. We have also noted that there is a clear distinguish between the levels of education amongst sport managers in Swedish elite soccer clubs..

Right now a major generational change is taking place within the banking sector. The new generation entering the labor market is often referred to as generation Y and it consists of individuals born between 1980 and 1995. Previous research has shown that the banking industry as a whole put a widespread emphasis on monetary incentives within the reward system. At the same time several studies highlight that individuals from generation Y are rather motivated by primarily non-monetary incentives.The aim of this dissertation is to explain how various monetary and non-monetary incentives affect the motivation of bank employees from generation Y. A positivistic research philosophy has been used with a deductive approach and a quantitative research method.This study indicates that bank employees from generation Y are motivated by retirement savings as well as a personal mentor or chief who draws attention to their development.

If P&C Insurance Company faces a challenge when their treasury system needs a new interface to a software as a service application. They need a suggestion for configuration for how the system and the application can work together. The work presented in this report is a suggestion for how you can make business configuration of an IT-based Treasury System in general. The exact configuration for the case received from If is presented as a separate report, found in Appendix A and is called the If-report. The If-report presents the suggested technical set-up of the configuration.

This thesis presents the implementation of a knowledge base system for rough sets [Paw92]within the logic programming framework. The combination of rough set theory with logic programming is a novel approach. The presented implementation serves as a prototype system for the ideas presented in [VDM03a, VDM03b]. The system is available at "http://www.ida.liu.se/rkbs". The presented language for describing knowledge in the rough knowledge base caters for implicit definition of rough sets by combining different regions (e.g.

The report presents a thesis carried out on behalf of the company SAAB Training and Simulation which is situated in Huskvarna. The authors of this report are going to graduate as mechanical engineers focusing on product development and design, and this thesis should reflect the knowledge obtained during the education. The assignment, given from the company was to develop a concept of a stand that will constitute as a part of a mobile system for target practice. The reader get to follow throughout the project and can hopefully learn from the smart solutions and approaches that have arisen during the process.Today SAAB doesn?t have a mobile application in their portfolio that utilizes the benefits of their sensor measuring system, also called the LOMAH-bar.

Vad många inte tänker på då de har ett relativt avancerat olinjärt system som de linjäriserat till ett tidskontinuerligt styckvis affint system är att det inte är helt självklart och enkelt att hantera detta system. Eftersom vi i de flesta fall vill kunna hantera ett angivet system med datorkraft, och därmed måste sampla systemet, behöver vi kunna beskriva ett samplat tidskontinuerligt styckvis affint system med ett tidsdiskret system. Vid första anblicken av detta problem kan det verka ganska enkelt. Vad många gör är helt enkelt att skapa en tidsdiskret beskrivning för varje mod i det styckvis affina systemet var för sig och behålla de gamla modgränserna. Detta visar sig dock kunna ge ett felaktigt uppförande hos systemet.

The purpose of this study has been to investigate how socialworkers describe their attitudes towards reporting childabuse to the police and if they make different decisions when they believe the violence to be honour related and how they handle these questions. The main questions are; How does socialworkers describe their and their colleagues attitudes towards reporting childabuse to the police and when do they believe they should report? Do they describe honourviolence as a specific kind of violence that should be lifted and in what way does it affect their work? The study is written from a legal sociologist perspective with a qualitative approach. Four socialworkers were interviewed and the interviews were analyzed with an anti-racist theory and with the theory about freedom of action.The conclusions is that the socialworkers mostly report childabuse to the police when the violence is physical. This means that children who describes to be subjected to psychological violence, including honourviolence, has poor legal security.

A new system of public transportation that can simplify and shorten the trips made throughout the city, anddo that both cheap and environment-friendly. Sounds like good news. This new system, though, require anall new type of infrastructure, differing from what we are used to see in our cities. Podcar, or PRT, as thesystem is called can become a transport revolution, possibly. If that revolution does happen it is crucial that webeforehand have studied the possible effects it can cause on our city environment, from a spatial point of view.This thesis thoroughly describes the function and essence of the PRT system and presents what is availabletoday and in what forms.

Integration av system har varit ett aktuellt område under de senaste åren. Det har då främst handlat om integration av system internt på företag. En av anledningarna till det stora intresset av web services är möjligheterna att integrera olika system, exempelvis stordatorbaserade och Windowesbaserade system med varandra. Web services handlar om att kunna integrera system, både internt på ett företag och externa mellan olika företags olika typer av system. Allt detta görs via Internet och bygger på att man utgår i från standards när man bygger web services.

The scarcity of qualified forest machine operators as well as the increased competition for competent machine operators among others from the mining industry in Norrland, were the reasons to investigate what attracts and what deters active and potential forest machine operators to the occupation. An interview study was conducted among four groups with four persons in each group. The groups were students in year 1 and 3 respectively at a forestry school at upper secondary school level as well as employees of a forest company and employees of contractors. The majority of all respondents were of the opinion that their interests in machines had been important for the choice of occupation. But for the active machine operators both the interest in the forest and their interest for machines have had importance for choosing this occupation.

Kandidatuppsats i kulturgeografi och geografi med kulturgeografisk inriktning.

Uppsatsen undersöker den svenska marknaden för CRM-system utifrån faktorer som företagskategori, kundrelation, befintligt kundrelationsstöd m.m. Vilka funktioner i ett system som företagen uppskattar mest undersöks också samt hur faktorer typiska för mjukvara påverkar situationen.Resultaten visar att det finns ett behov bland små och medelstora företag för CRM, dock inte för alla företag. Många företag använder egenutvecklade system, kanske för att de kommersiella systemen inte motsvarat deras behov. Funktionsmässigt uppskattades grundläggande funktioner mest, och fördelningen mellan CRM-områdena var jämn. Gällande mjukvarukaraktäristik ser företagen funktionaliteten som den primära faktorn i deras val av CRM-system.Det är en klar fördel att kunna erbjuda ett system på det nationella språket..

The overriding purpose of this graduate thesis is to evaluate if municipalities and county councils can deviate from the legislation of public procurement during procurement of customer choice agreements within the health and social care area. The intention of this Quasi-market is to provide the users with competition in terms of quality rather then the general principal rule of economic value.My conclusion results in a legal situation without rules of general procedure. So far the authorities make their own regulation in the field of customer choice agreements. The problem lies within the authorization of new contractors and their right to make an appeal against resolutions made by the authorities social care divisions.One solution is to legislate within the present law of public procurement. Another way to solve the problem is to create a lex specialis apart from the present public procurement regulation..

This document is a summary of my work to create a project management system for a small firm working with computer graphics. The intention is to manage customers, projects, images and invoices in the easiest possible way. To make the system as flexible as possible a web-interface was chosen which makes it possible to access the system from any computer, making it independent of any particular operating system. The only requirement on the user environment is that the computer must have a connection to the Internet to be able to access the system. The different techniques that have been used to develop the project management system is primarily Ruby on Rails and a MySQL database. Although Ruby on Rails was completely new to me, I decided to use this framework instead of PHP, which I already have a good knowledge of, because of the benefits Ruby on Rails provide.