Course:Business Administration, Master Thesis, Second Level, 30 Credits.Authors:Sara Frännlid and Helena RamstedtTutor:Jim AndersénTitle:Internet, relationships and loyalty ? Best praCtice foR the bankMarketPurpose:The study aims to explain how banks use electronic customer relationship management, eCRM, to create loyal customers. A figure will be created, which will enlighten the factors a bank should focus on when enhancing customer loyalty through the internet. Through interviews with two successful banks is it possible to study how a bank can successfully create loyal customers.Methodology:A qualitative method in terms of semi-structured interviews is used. The empirical results were then analyzed with the theory in order to contribute with a new figure.Theoreticalperspective:The theory describes how a bank can create a loyal customer over the Internet.

Over the course of the past the agricultural sector has been characterized by radical market changes. Changing market conditions have forced owners of agricultural and forestry businesses to make further investments. This increase in investments has led to a greater need for external capital, which has increased the relationship between banks and owners of agricultural and forestry businesses. The financial sector is characterized by strong rivalry, which forces banks to create strategic positions in the financial market. Since agricultural and forestry businesses are generally seen as secure customers by banks, due to high property and land values, the competition between banks with agricultural and forestry businesses as customers has amplified.

Information technology (IT) penetrates more and more areas in the community. The Commission for Information Technology is of the opinion that the use ought to be widespread but states that this is not yet a reality. Differences exist between groups, e.g. between women and men. The purpose of this Master's thesis is to examine how female university students enrolled in two different programmes experience and use IT and to compare this with society's picture of the relationship between IT and women.

The species in the genus bumblebees (Bombus) are important pollinators. In the world there are 250 bumblebee species and there are 34 species in Norway. The purpose of this study is 1) to assess changes in the species composition of bumblebees in twenty different places in Norway that have been inventoried first one time between 1939-1960 and the second time in 2012, and 2) to relate species richness and distributions to current landscape composition with the aid of orthophotos. In this study, I have used regression analyzes on the different bumblebee species that were present or absent at the inventory, using the premises of the following variables: low or high altitude, latitude, longitude and seven different types of land use (farmland, building/plots, open land/pasture, forest, wetland and open or snow-covered ground above the tree line) to see if there was any relationship between each species and the different variables. I have not analyzed what the landscape looked like at the first inventories and therefore we cannot say whether it has changed and if that is why species number has decreased. This would be interesting to study further and to see if there is any relationship between landscape changes and bumblebee?s species decline.

Common wisdom dictates that because payment of dividends decreases funds available for investment, a high payout ratio is to be associated with low earnings growth. This notion has been challenged in recent years by empirical research that has found a positive relationship between payout ratio and future earnings growth, both on the aggregated market level and the company level in different countries. This study investigated the aforementioned relationship on the Swedish market by statistically analyzing future earnings growth as a function of payout ratio on a large sample of publicly listed companies over the period 1980 to 2011. The results are in line with those found in previous research and indicate that companies with high dividend payout ratio tend to experience strong future earnings growth. The results are robust to the presence of mean reversion, the use of an alternative accounting measure of earnings, non-symmetrical earnings growth cycles and alternative practices for dealing with outliers..

Abstract  The development and onset of diseases such as cardiovascular disease (CVD) and Type 2 diabetes are closely linked to genetics and lifestyle factors including physical activity and diet. A cluster of metabolic disorders called the metabolic syndrome (MetS) is a high-risk factor in developing these diseases. Acording to the International diabetes institute, one fourth of the worlds adult population has MetS. These individuals are twice as likely to die from CVDs compared to individuals without MetS. Physical activity (PA) and exercise has been shown to provide a number of positive effects that are considered to reduce the risk of developing sickness and premature mortality among both men and women of all ages, independent of other risk factors.

The work with this paper began with a belief that the permission aspect plays acrucial part when it comes to consumers perceptions of marketing through E-mailand SMS - especially when it comes to advertising that is received through a devicethat the consumer has a strong personal relationship with. The questions to beinvestigated was: "How do users of computers and mobile phones feel aboutadvertisement received through E-mail and SMS?" and "In what way does the usersrelationship to the computer or mobile phone affect how they feel about theadvertisement?". The study was based on a questionnaire as well as an analysis of theresponses in combination with previous research on the subject.The results showed that the majority of the respondents from this papers surveywere found to have a negative attitude toward advertisement through both E-mail andSMS. However, the respondents turned out to have a slightly higher tolerance foradvertisement through E-mail than towards advertisement through SMS.

The purpose of this study was to find out whether young women´s conceptions on femininity are based on school culture or other possible factors. The theory chosen for this study is the sociological perspective. A theory where sociologists such as Emile Drukheim, Talcott Parsons and Pierre Bourdieu are all prominent. The discussion links to Habitus and their theories on social, cultural and collective groups. A qualitative method has been used.

People with Down syndrome are living longer lives today thanks to medical science. These people with their families are in need of assistance from goverments and professionals throughout their lives. It is therefore important to understand how familymembers affected by having a person with Down syndrome in the family. In this paper we focus on the siblings' experience. This study aims to examine four women's experiences of what it is like to have a sibling with Down syndrome and how the respondents have developed their role and identity as siblings, and what strategies they have developed for this role.

The purpose of this thesis is to study how homosexuals and homosexuality were represented in the press during the trials against the Pentecostal pastor Åke Green, and to what kind of social representations and narratives these representations can be related.Using critical discourse analysis and theories about the differentiation between in- and outgroups I try to unveil implicit meanings and attitudes towards gay people mainly at the local text level. The material consists of articles in Ölandsbladet and Dagens Nyheter that were produced before, during and after the trials.The analysis suggests that homosexuals are construed as a deviant outgroup and that the majority, the ingroup, is presented as an essentially heterosexual, tolerant community. Homosexuality is wrong and heterosexuality is the right way of living. Homosexuals, in terms of group lobbyism, are construed as an enemy, a threat, against Western ideals such as family values and freedom of speech. They indirectly become a threat to Swedish democracy.

This study aims at norming a new objective method to track and measure jaw movements in 3D (three dimensional) during chewing in the young adult population (n=41, age 22-30). Norm values of the range of movements and the duration were calculated. Intra and inter rater reliability was high. Masticatory efficiency among participants was evaluated with a two-colored wax, analyzed with picture analysis software. Regression analysis was used to calculate the relationship between movement and duration variables and masticatory efficiency.

In this study we examined co-workers experiences of having a previous colleague as their leader, which is relatively common. We made qualitative interviews with six social welfare administrators who had been through this situation at work. The questions had been concentrated at how they were affected by the previous relationship, what expectations they had, and their view of how the business had been handled by their leader. The result of these interviews has then been connected to two leadership theories. The conclusion of the study was that the experience of the situation differs.

The aim of this study was to develop knowledge about the social workers' importance for unaccompanied children's integration in the Swedish society. In order to investigate this we also have to distinguish other people who are important for the unaccompanied children. The method used in the study is qualitative interviews and we have interviewed four unaccompanied children and three social workers to reach the results. To analyze the results we have used symbolic interactionism and Antonovsky's theory about sence of coherence. The results showed that it is important for unaccompanied children to have access to significant people to integrate and they also have to learn values and attitudes which exist in the society.

The tourism industry in Sweden has expanded in recent years and the increasing industry has meant that customers are in need of a reseller for their trips abroad. Today there are three types of retailers available. These are : Traditional travel agencies , tour operators and online travel agencies.Online Travel agencies are the most modern online option for customers. Their existence has made it easier for the customer and reservation can be made anytime and anywhere. The competition has intensified between the three retailers and the traditional alternatives must find new ways to survive.

The intention of this thesis is, from a basic statistical viewpoint, to capture the relationship between the price of electricity and a sample of factors influencing the price. The thesis also aims at investigating whether knowledge about the relationship is useful when investing on Nord Pool. Tested factors are temperature, import, price of emission rights as well as a number of hydrological factors. The investigated period stretches from year 2000 until week 32 year 2007. The relevance of each factor was also evaluated yearly as well as for shorter periods in order to get a more comprehensive view of the relationship.