The aim is to develop a new decision-making model for credit-loans. The model will be specific for credit applicants of the OKQ8 bank, becauseit is based on data of earlier applicants of credit from the client (the bank). The final model is, in effect, functional enough to use informationabout a new applicant as input, and predict the outcome to either the good risk group or the bad risk group based on the applicant?s properties.The prediction may then lay the foundation for the decision to grant or deny credit loan.Because of the skewed distribution in the response variable, different sampling techniques are evaluated. These include oversampling with SMOTE, random undersampling and pure oversampling in the form of scalar weighting of the minority class.

Complete tumour regression is the optimal outcome of cancer therapies. There are however types of tumours that naturally regress. Most of these are benign, dermatological and have an early onset in life. This literature study aims to elucidate the mechanisms behind spontaneous tumour regression. In Libechov Melanoblastoma-Bearing minipigs, an animal-model specifically bred to develop malignant melanoma, the tumours usually involute within three months.

Bakgrund och Problem: Aktiemarknaden påverkas både av inhemska och utländska faktorer. Därför är det av intresse att se vilka makroekonomiska variabler som påverkar den svenska aktiemarknaden. Anledningen till att Sverige har valts som den geografiska punkten är att det är av intresse att se hur ett litet land som Sverige, som har en öppen ekonomi påverkas av de utvalda makroekonomiska variablerna.Syfte: Syftet med uppsatsen är att med hjälp av information samt analys, studera hur de olika makroekonomiska variablerna påverkar den inhemska aktiemarknaden. Olika faktorer som påverkar aktiemarknaden kommer att lyftas fram för att i sin tur även se till de olika branscherna.Metod: Då data enbart består av hämtning av tidigare information fokuseras det enbart på sekundärdata i form av historiska siffror samt historiska undersökningar. De statistiska tester som tillämpas är Granger Causality test, Johansens Cointegration test, Impulse Response Function test, ADF test, KPSS test, Mulitpel regression.Slutsats: Med de resultat som presenterades i denna studie, skulle vi nog inte kunna säga att vi har ett svar över vilka aktier en investerare ska införskaffa.

External forces have significant impact on organisations. This study analyzes the implications of one type of external forces in aid-focused NGOs through two qualitative case studies where it is investigated if Sida?s reporting requirements have the intended effects: learning and control using a theoretical framework where it is recognised that the requirements may also result in dysfunctional behaviour: decoupling and colonisation. The study shows that when the demands are the result of institutional pressure rather than an ambition to generate learning and control, the demands tend to be unrealistic and the NGOs therefore decouple the formal fulfilment of the demands from the actual activities. It is argued that a partnership, which incorporates trust and dialogue, is a prerequisite, not only for learning, but also control.

External forces have significant impact on organisations. This study analyzes the implications of one type of external forces in aid-focused NGOs through two qualitative case studies where it is investigated if Sida?s reporting requirements have the intended effects: learning and control using a theoretical framework where it is recognised that the requirements may also result in dysfunctional behaviour: decoupling and colonisation. The study shows that when the demands are the result of institutional pressure rather than an ambition to generate learning and control, the demands tend to be unrealistic and the NGOs therefore decouple the formal fulfilment of the demands from the actual activities. It is argued that a partnership, which incorporates trust and dialogue, is a prerequisite, not only for learning, but also control.

Cuttings of Lonicera xylosteum L. were treated with willow extract to study the response in rooting capacity. The extracts were prepared by mixing chopped pieces of Salix x smithiana Willd. with water in a warring blender. The investigation comprised 2 types of salix extracts based on differences and dynamics between twigs in winter dormancy and twigs with new shoots. To explore the rooting response, three tests were made.

Denna studie syftar till att undersöka om den grundläggande synen på identiteter USA:s ledande politikers besitter går att utläsa i strategiskt viktiga tal med koppling till USA:s insats i Afghanistan. Syftet är också att undersöka vad dessa synsätt haft för inverkan på konfliktrelationerna i detta fall. Den besvarar därför vilken grundläggande syn George W. Bush och Barack Obama uppvisat gällande identiteter. Den berör också vilken påverkan dessa identitetssyner haft för USA:s konfliktinställning och hur det förklarar konfliktutvecklingen.För att besvara dessa frågeställningar presenteras ett teoretiskt ramverk bestående av Carol Bacchis teori om problemformuleringens betydelse samt de essentialistiska och konstruktivistiska perspektiven.

Bakgrund: Det senaste decenniet har allt fler stormarknader och lågprisbutiker öppnat vilket har lett till att de mindre livsmedelsbutikerna blivit utsatta för större konkurrens. Parallellt med att stormarknaderna tagit marknadsandelar i dagligvarubranschen har även större fokus riktats mot ökat samarbete och informationsdelning i försörjningskedjan, så kallat Supply Chain Management (SCM). Inom dagligvarubranschen har Efficient Consumer Response (ECR) utvecklas ur samma idéer som SCM men med fokus på livsmedel och dess försörjningskedjor. I grund och botten handlar ECR om företagens gemensamma arbete för att integrera verksamheter, minska kostnader samt producera största möjliga nytta för slutkonsumenten. Med tanke på den ökade konkurrensen i dagligvaruhandeln samt det faktum att det finns ont om tidigare forskning om små och medelstora företag (SME:s) relaterat till SCM/ECR, är det intressant att undersöka hur dessa företag påverkas av samarbetet.

Individer som smittas av Human Immunodeficiency Virus (HIV) och utvecklar Acquired Immune Deficiency Syndrome (AIDS) ställs inte bara inför en livshotande sjukdom utan drabbas dessutom av stigma som är relaterat till fruktan för HIV/AIDS. Stigmatisering är ett globalt problem som kan leda till diskriminering och försämrad livskvalitet för personen i såväl den privata som den offentliga sfären. Orsaken till stigmatiseringen är komplex och problematiken existentiell. Syftet med denna litteraturstudie var att jämföra påverkan på individen vid sjukdomen HIV i Europa respektive Afrika söder om Sahara. Resultaten i studien baseras på 17 vetenskapliga artiklar där fokus ligger på anledningar till att berätta om eller dölja sin HIV-status och vilka konsekvenser detta val kan få för individens liv.

A new code for corporate governance was introduced for major companies in Sweden in July 2005. This act is to some degree a follower to the Sarbanes-Oxley Act that was introduced in the U.S.A. after the Enron scandal. The purpose of this thesis is to evaluate the effect on the controller in response to the introduction of this new act. Three controllers in major Swedish companies was interviewed and asked if and how they had been affected by this new act.

Farmers are required to make sure that cattles basic needs are met, but still every year cases of neglect occur where the farmer has not complied within the animal welfare law and regulations. The aim of this study was to investigate how cattle are affected physically and behaviourally by neglect in the form of underfeeding, starvation and lack of sanitation, which animals are most vulnerable to the impact and what prospects they have to recover. The study was conducted as a literature study and the results show that these types of neglect have a large impact on the cattle welfare. Underfeeding and starvation causes physical changes leading to reduced milk production, reduced muscle mass, impaired immune function, poor reproductive performance and changes in rumen microflora leading to decreased number of microbes and pH change. Physical changes due to the lack of sanitation consist of increased vulnerability to hoof diseases and mastitis, burns, and increased sensitivity to temperature.

The society is developing fast and the development is constantly on-going, new technology results in new opportunities and new problems for both companies and consumers. The use of Internet has heavily increased around the world; this means that the companies can use Internet as a channel of communication to reach the consumers. The most recent type of marketing is web marketing. The fact that web marketing is constantly changing raise the question of how effective different types of web marketing are.The purpose of this study is to investigate four selected types of web marketing. This is achieved by comparing the response from the consumers and the cost for the different types of web marketing.

The purpose of this study is to determine if and how male or female everyday languagesdiffer. The study is based on ten interviews with five men and five women living inHalmstad, who are between the ages of 22-29. The interview results were analyzed andcompared with previous research on the subject. The result shows that there is adifference between the male and female informants use of language. Women laughing,using italics, hedges, the word så ?so? and response signals to a greater degree than men.The reason may be that men and women basically use different conversation styleswhen they communicate, that men prefer a public speech, intended to provideinformation and knowledge.

The codling moth, Cydia pomonella is a common pest in apple orchards and can be found worldwide. Feeding by codling moth larvae can cause a substantial decrease in apple yield. Control methods comprise for example the use of pesticides, viruses and pheromones. As a sustainable control method, pheromones have been successfully applied to disrupt moth mating behaviour. Other behaviours like foraging, search for mating sites or host finding could be potential targets for additional odour-mediated behavioural manipulation but need further investigations of the underlying odour stimuli and behavioural plasticity. Many insects are attracted to the smell of fermenting fruit and associated microorganisms.

This student report is about canine atopic dermatitis It includes a description of the immunologic mechanisms and how the reaction affects the body. The symptoms are various, most common is pruritus, erythema and alopecia and directly associated with the immunologic reaction. The diagnostic process includes symptoms, physical findings, differential diagnosis, intradermal test and serological test. The options of treatment are several and vary for each patient. The report includes hyposensitization, medical treatment such as corticosteroids, antihistamin and cyclosporine, topical treatment, fatty acid supplements and environmental treatment. The prognosis is individual for each patient due to their different response to the treatment. It may take a while to find the right combination of treatments to achieve satisfactory control of the disease..