The recent history knows numerous examples of creditor?s inability to evaluate financial solvency of the client correctly. Creditors? risks do not only concern individual relations between the two parties but the economy in general. The standard loan-giving procedure considers evaluation based on a number of financial ratios.

The purpose with this project has been to investigate how a company`s marketing and product development can adapt to a specific target group..

The purpose of the study was from the perspective of young people that has completed a stay at HVB-home. The respondents are between 15-21 years both boys and girls. The basic questions were: How do the respondents look upon this HVB-homes service process? How do the respondents look upon this HVB-homes service contents? How do the respondents look upon this HVB-homes service regarding available information and how the staff is available? What positive and negative experience do they have from their stay at the HVB-home? We also wish to get a picture of what is important to change to improve the quality on this HVB-home. To receive answers to those questions we formed a questionnaire.

The purpose of the study was from the perspective of young people that has completed a stay at HVB-home. The respondents are between 15-21 years both boys and girls. The basic questions were: How do the respondents look upon this HVB-homes service process? How do the respondents look upon this HVB-homes service contents? How do the respondents look upon this HVB-homes service regarding available information and how the staff is available? What positive and negative experience do they have from their stay at the HVB-home? We also wish to get a picture of what is important to change to improve the quality on this HVB-home. To receive answers to those questions we formed a questionnaire.

The purpose of the study was from the perspective of young people that has completed a stay at HVB-home. The respondents are between 15-21 years both boys and girls. The basic questions were: How do the respondents look upon this HVB-homes service process? How do the respondents look upon this HVB-homes service contents? How do the respondents look upon this HVB-homes service regarding available information and how the staff is available? What positive and negative experience do they have from their stay at the HVB-home? We also wish to get a picture of what is important to change to improve the quality on this HVB-home. To receive answers to those questions we formed a questionnaire.

The purpose of the study was from the perspective of young people that has completed a stay at HVB-home. The respondents are between 15-21 years both boys and girls. The basic questions were: How do the respondents look upon this HVB-homes service process? How do the respondents look upon this HVB-homes service contents? How do the respondents look upon this HVB-homes service regarding available information and how the staff is available? What positive and negative experience do they have from their stay at the HVB-home? We also wish to get a picture of what is important to change to improve the quality on this HVB-home. To receive answers to those questions we formed a questionnaire.

The purpose of the study was from the perspective of young people that has completed a stay at HVB-home. The respondents are between 15-21 years both boys and girls. The basic questions were: How do the respondents look upon this HVB-homes service process? How do the respondents look upon this HVB-homes service contents? How do the respondents look upon this HVB-homes service regarding available information and how the staff is available? What positive and negative experience do they have from their stay at the HVB-home? We also wish to get a picture of what is important to change to improve the quality on this HVB-home. To receive answers to those questions we formed a questionnaire.

The subject for this Master's thesis is the mission of the public library concerning target group everybody. Control documents, traditions, norms and trends influence how this is interpreted and how the library's service is being formed. The often very abstract terms used to describe the public library's mission makes it open for different interpretations. We are of the opinion that the public library's service should be formed to reflect the needs, interests, and priorities of the community it services, in order to be more attractive and useful.The aim of our study is to examine how the public librarians define and adjust to the mission to satisfy all citizens needs. Why do they choose to concentrate on certain target groups? And what does that show of how the public libraries reflect their communities? Our investigation includes examining six activities aimed at a certain target group and the six public libraries that carried these out.

The aim of this study was to investigate the result of an effort to support reading development and the reading motivation. My approach was an intervention study during four weeks, where intensive reading in a group of three pupils in grade one took place. Individual conversations and group conversations were central methods in combination with different ways of processing the texts. Interviews were conducted with the class teacher and the participating children to see the difference in reading and motivation before and after the project. The result shows that an intensive period with reading fiction books with subsequent conversations and different processing of the text is a useful developing method for decoding, reading comprehension and reading motivation.

LRF Konsult is a big consulting-firm with offices located all over Sweden. The corporation offers a wide range of services and a lot of the customers are small businesses active within the green sector. An analysis of the corporation made in 2006 showed that one of LRF Konsults weaknesses is that many customers are unaware of the wide range of services that LRF Konsult offers. The internal communication is believed to play a big role in marketing these services. Therefor, the objective of this thesis has been to investigate why the transfer of customers between accounting consultants and business advisors is not greater and how this can be improved.

Children with cleft lip and palate (CLP) and children with specific language impairment (SLI) may be affected emotionally and psychosocially by their disorders. Thus, it is important to investigate the psychosocial risk factors that these children are exposed to. The aim of this study was to examine how parents assess the emotional and psychosocial well-being of children with CLP and children with SLI, and if the two parental groups differ in their assessments using the standardized instrument Child Behaviour Checklist (CBCL). Participants in the study were the parents of ten children with unilateral and bilateral CLP between ages 6;7-9;0 (mean age 7;5) and the parents of 13 children between ages 6;4-8;8 (mean age 7;3) who are attending preschools and schools for children with SLI. These parents were asked to complete the questionnaires CBCL and Child Health Questionnaire (CHQ). The children with CLP had lower scores than the children with SLI in all domains of the CBCL, indicating that these children with CLP had better emotional and psychosocial well-being.

E-books are not yet fully established on the Swedish book market. A frequently discussed theory is that this might be because of a loss in the reading experience. This thesis has the primary purpose to investigate whether the reading experience from E-books differs from the experience of reading a traditional book in paper. The book used for comparation is a poetry collection named Rakel delat med tio. I have designed the cover and the inlay of this book and as a part of the thesis the working progress is described.

The purpose of the study was from the perspective of young people that has completed a stay at HVB-home. The respondents are between 15-21 years both boys and girls. The basic questions were: How do the respondents look upon this HVB-homes service process? How do the respondents look upon this HVB-homes service contents? How do the respondents look upon this HVB-homes service regarding available information and how the staff is available? What positive and negative experience do they have from their stay at the HVB-home? We also wish to get a picture of what is important to change to improve the quality on this HVB-home. To receive answers to those questions we formed a questionnaire.

The purpose of the study was from the perspective of young people that has completed a stay at HVB-home. The respondents are between 15-21 years both boys and girls. The basic questions were: How do the respondents look upon this HVB-homes service process? How do the respondents look upon this HVB-homes service contents? How do the respondents look upon this HVB-homes service regarding available information and how the staff is available? What positive and negative experience do they have from their stay at the HVB-home? We also wish to get a picture of what is important to change to improve the quality on this HVB-home. To receive answers to those questions we formed a questionnaire.

The purpose of the study was from the perspective of young people that has completed a stay at HVB-home. The respondents are between 15-21 years both boys and girls. The basic questions were: How do the respondents look upon this HVB-homes service process? How do the respondents look upon this HVB-homes service contents? How do the respondents look upon this HVB-homes service regarding available information and how the staff is available? What positive and negative experience do they have from their stay at the HVB-home? We also wish to get a picture of what is important to change to improve the quality on this HVB-home. To receive answers to those questions we formed a questionnaire.