When a country faces a decline in business activity, companies have to struggle to gain external capital. It is even more important for small enterprises to get capital, as they normally do not have enough collateral to receive traditional bank loans. In Bangladesh, Grameen Bank started with micro credit programs in the early 90?s, that included small capital loans and leasing of machines. Nowadays these micro credit programs have developed to function even in industrialized countries.

Our social lives and where we live shape our choices in life. One of those choices is which party we vote for in the general election. The aim of this thesis is to see if there are any connections between the Swedish general election of 2010, demography, socioeconomic factors and geography. This is done with regression analysis and chosen variables. Another aim is to see where in Sweden the chosen variables aren?t enough to explain the results of the election.

Our purpose with this study was to investigate whether there was any difference between high and low performing students from selected aspects such as choice of studies, achievement, self-image, motivation, confidence and career choices.A training professional in today's schools requires knowledge of how young people think about their lives for us to help students develop both high-and low-performing students. Students have different conditions, but no matter good or bad conditions, each individual pupil must be allowed to develop.The concepts used in the study are of study, self-image, motivation, achievement in the future and career choices. In the background, describes these concepts through literature study. The method we have used was semi-structured interviews. Which means a fixed structure, but with room for follow-up questions.The results of our study indicate that there were clear differences between high-and low-performing students.

The management of water resources and waste water varies between the countries of the EU. For many years, a large part of the water in Europe has been contaminated by, among other things, insufficiently treated waste water and emissions from agriculture. The EU Water Framework Directive 2000/60/EC and the Urban Waste Water Directive 91/271/EEC are intended to harmonize fresh-water management and waste water management within the whole EU, aiming at safeguarding drinking water of good quality and a high quality of all water within the EU today and in the future. There are however some problems concerning the waste-water directive. One problem is the huge investment needed in Slovakia to fulfil the demands of the waste-water directive for waste-water management in larger communities (with more than 2000 inhabitants).

Vad är val? Är de val vi har våra egna? Spelutvecklare idag kämpar med spelares fria vilja då detta kan orsaka problem. Till exempel när spelare gör val som spelutvecklare inte har räknat med, vilket som följd kan skapa frustration hos båda parter. Problemet med spelares oförutsägbarhet i sina val är något som spelutvecklare ständigt har försökt lösa. Idag finns det flera tekniker som syftar till att diskret manipulera möjligheten till val inom spel och samtidigt låta spelare vara ovetande om detta.

The purpose of this paper was to look at the perception of self-determination for adults with intellectual disabilities from their perspective. We wanted to examine the experience of the space available for self-determination in some key areas of life, and how their own thoughts and ideas have been addressed by others. Through interviews with six people with intellectual disabilities, we have found that a single definition of self-determination is elusive. The key seems to be that you get the opportunity to do what you want, to have your voice heard and to receive and take responsibility. The space for self-determination is perceived by respondents as both large and small.

Purpose: The purpose of this paper is to investigate whether there is a correlation between the actuarial assumptions, of listed groups in Large Cap on the Nasdaq Stockholm, equity ratio and their pensionplans funding status.Method: The study is based on a quantitative research method, where the analysis of annual reports takes place. The quantitative research method has enabled the paper to perform related analyzes and comparisons of means between groups, for listed companies equity ratio and pension obligation, and the relation to its actuarial assumptions. Correlation measurements are made using a non-parametric method, Spearman's rho, then further tested using one-sided hypotheses t-test.Theory: The backbone of the thesis is presented using two theories, earnings management and the principal-agent theory. These theories are intertwined with the previous researches, which also dealt with the essay topic of earnings management in previous years and in other countries.Empirical: Correlation analyzes between the studied actuarial assumptions and corporate groups solidity and pension financial status is presentedusing tables and charts. These are further analyzed using hypothesis tests and scatterplots.Conclusion: All tests resulted in very weak correlation between the different variables and can there for not be classified as significant.

Scientists and educational psychologists research have seen on self-regulated learning as learningconstruction. Every scientists have developed their own terms and concepts in the events of explaining how self-regulation affects students learning-process. Keyprocesses in previous studies is the importance of the active choice, to be goal-oriented,and awareness is what students need to self-regulate their own learning. The purpose of this study is to examine how students use different educational learning strategies based on the principles for self-regulated learning (SRL). From the process of the previous research, different concepts and terms have been divided into three key concepts titled:Active choices and actions, Goal-orientation and goal setting, as well as consciousness and self-awareness.

The study deals with young people with visual impairment and their choices of upper secondary school, what is behind and how they are affected by other aspects and other people around them. It also describes how these students experience the career counseling they received for the election. This has been the purpose of the study and was examined through qualitative method and interviews with five young people aged 15 to 21 years with severe visual impairment or blindness. The results and conclusion is that these young people are greatly affected by their parents in choice of upper secondary school and that the school?s attitude to the pupil has a major impact on whether the pupil chooses the school.

The departure point of this thesis is the context of the institution and the processes surrounding the handling of personal archives at the National Library of Sweden. These processes are examined using Actor Network Theory. Around the personal archive a network is constructed and contained by actors ? the archive itself, the librarian, the conservator, the researcher, organizational structures and others. Within this network choices are made of what is significant.

Title: ?? Then came the realization that I was just like them. That I have a gambling addiction?? This is a qualitative study of four former gamblers and their experience of getting out of the gambling addiction. The study is about how individuals have overcome a gambling addiction.

SummaryThe numbers of students in higher education with foreign background are still lower than expected. The universities around the country are increasingly committed to attract students among this group. Many of investments and researches have been done to explore new approaches. There is need to understand how students evaluate their choices. These studies will help marketing the educations which are more responsive to student's expectations.

An investigation of the remedies in the Swedish Public Procurement Law. The result of this investigation shows that the remedies are not satisfactory in upkeeping the Procurement Law. The swedish legislator has not fulfilled the demands of the European Councils Regulations in this area. This results in ineffective use of public funding as well as discriminating actions against private suppliers. I have found that some changes must take place in the legislation and that an electronic procurement procedure makes the legislation easier for both the public and the private parties to understand..

The authors were curious and asked themselves if teachers are aware of the base of their teaching in various teaching situations. Are teachers at all capable of expressing that in words? One of the reasons that the authors chose the particular issue was because they think teachers have the task to satisfy the needs of all students and therefore they found it interesting to study how various teachers act. The purpose of the study is to observe teachers didactical awareness, and how it can be added to their intentions and actions, as in how they speak about their teaching and how they act in various teaching situations. Methods used in the study were observations and qualitative interviews.

This thesis of 15 hp has been implemented at Halmstad University, in collaboration with Saab Dynamics in Linköping. Saab Dynamics is a company operating in the defence industry where competition is tough. This necessitates new ways to increase efficiency in the company, which is the basis for this thesis. Saab Dynamics wants to introduce simulation driven design. Since Saab Dynamics engineers have little experience of simulation, required a user methodology with clear guidelines.