The last years? financial situation has contributed to an increased willingness from the banks to handle risks. The most important risk to cope with is a risk that is related to a customer?s ability to repay loans. Forecasts indicate that in the future, Swedish farmers will be facing profitability challenges, which points to a need to reconsider the banks procedures considering risk management in credit granting for agricultural businesses.Today?s risk management will be given two complements in this study.

AbstractObjective: To investigate the occurrence of and the risk factors for falls and to  investigate level of fall-related self-efficacy and health-related quality of life in people living in community living, 75 years or older within Uppsala and Västmanlands county. A further aim was to identify predictive risk factors for falls. Design: A cross-section study with a descriptive, comparative and correlative design based on a questionnaire was used. Participants: The participants were recruited from Uppsala and Västmanlands county. A random selection on 525 individuals was done, from a population based sample, in the detailed municipalities.

Military dogs in Sweden spend their first 18 months after weaning with a foster owner that has volunteered to care for its upbringing. The foster owner is advised by a consultant and offered three opportunities to train the dog together with other foster owners. There is a positive correlation between the number of attended training opportunities with the consultant, or other professional dog trainers, and the results of the dog in the temperament test at the end of the 18 months. The test results are in turn positively correlated with the likelihood of the dog to enter service. This thesis aims to investigate why the number of training opportunities is important for the dog?s chance to enter service by identifying foster owner factors that influence the success of the dog and which temperament test items the factors have the strongest impact on.

The background to this report is the author?s ambition to understand individuals? work situation, how it?s formed in interaction between the individual and factors in the work-setting. Such an ambition is well in line with the concept of Human-Technology-Organization (HTO), a cross-scientific approach that puts a system-oriented perspective on how human, technolog-ical and organizational factors interact within work systems.The aim of this report was to explore managers? work-situation and generate an understanding of it from an HTO-perspective by using an organizational model as a framework for an interview guide and to analyze the work situation from an HTO-perspective following the ques-tions at issue:1. How does the managers experience their work situation?2.

The background to this report is the author?s ambition to understand individuals? work situation, how it?s formed in interaction between the individual and factors in the work-setting. Such an ambition is well in line with the concept of Human-Technology-Organization (HTO), a cross-scientific approach that puts a system-oriented perspective on how human, technolog-ical and organizational factors interact within work systems.The aim of this report was to explore managers? work-situation and generate an understanding of it from an HTO-perspective by using an organizational model as a framework for an interview guide and to analyze the work situation from an HTO-perspective following the ques-tions at issue:1. How does the managers experience their work situation?2.

The comprehensive aim of the essay is to discuss the abilities of developing individual, communicative and cooperative skills, related to The Swedish National Agency for Education, for pre-school children in Montessori and Reggio Emilia-inspired pre-schools. The importance of the choice of pre-school for lifelong learning is discussed and examined. The two educational profiles are presented and the theories of communication, collaboration and individual work are the basis for the analysis of the results. The collection of empirical data is done through observations and interviews with pre-school children. First, the informants construct a fantasy animal on their own and then together with a partner.

The background to this report is the author?s ambition to understand individuals? work situation, how it?s formed in interaction between the individual and factors in the work-setting. Such an ambition is well in line with the concept of Human-Technology-Organization (HTO), a cross-scientific approach that puts a system-oriented perspective on how human, technolog-ical and organizational factors interact within work systems.The aim of this report was to explore managers? work-situation and generate an understanding of it from an HTO-perspective by using an organizational model as a framework for an interview guide and to analyze the work situation from an HTO-perspective following the ques-tions at issue:1. How does the managers experience their work situation?2.

The aim of this Master's thesis is to study how generational identities are conveyed in the reception of two debut novels, Jack by Ulf Lundell and Allt by Martina Lowden. Both novels have been considered literary and social expressions of their generations. The empirical material consists of 14 reviews in Swedish daily press from the time of publication of Jack and Allt, respectively. The thesis revolves around the following questions: How is the generational identity defined in terms of lifestyle practices, milieus and other social circumstances? To what extent are structured factors such as gender and class considered? How are the critics considering the reflexive project of the self? I base the theoretical framework on Anthony Giddens' theories about identity creation in the late modern society.

The background to this report is the author?s ambition to understand individuals? work situation, how it?s formed in interaction between the individual and factors in the work-setting. Such an ambition is well in line with the concept of Human-Technology-Organization (HTO), a cross-scientific approach that puts a system-oriented perspective on how human, technolog-ical and organizational factors interact within work systems.The aim of this report was to explore managers? work-situation and generate an understanding of it from an HTO-perspective by using an organizational model as a framework for an interview guide and to analyze the work situation from an HTO-perspective following the ques-tions at issue:1. How does the managers experience their work situation?2.

AbstractMy purpose of the investigation is to enter deeply into the knowledge of the Individual plan of the development and to examine how teachers, pupils and parents look at the Individual plan of the development and the purpose of the Individual plan of the development in school. My question of the main problem in this investigation was to examine the expectation on the Individual plan of the development from teachers, pupils and parents and if the Individual plan of the development has been influence the cooperation of parents and the influence of the pupils also how and if teachers, pupils and parents apprehend some kinds of changes.The review of the literature begin with a closer study about our document of control, witch are the curriculum of the compulsory school (Lpo 94), The National Agency for Education General Advice for the Individual plan of the development (2005), a study of the development of the cooperation of the parents and the influence of the pupils under the years of research about it.I have in my investigation used qualitative interview in different forms like the ordinary interview, interview on telephone and focussed group interview with teachers, pupils and parents. The result of my conclusion from the investigation is that the information and the knowledge of the Individual plan of the development are important to be able to increase the influence from the pupils and a different cooperation from the parents in the development of the school with the Individual plan of the development. My examination is small and not generalised but I believe that it still can represent the attitude of the Individual plan of the development. The consequence of the investigation shows that pupils and parents have vague idea of the Individual plan of the development.

Problem statement and purpose:The purpose of this study was to analyze in what way first-time voters chose to take part of political information. The questions we aimed to answer was how first-time voters use media and other information channels for political purposes, what importance and trust the first-time voters give the different information channels and finally which indicators there is for that structural or individual factors affect the media consumption and political interest.Method and material:We did interviews with twelve 18 years old first-time voters from six different high school programs in Sundsvall, Sweden.Results:The study showed that the premier source of political information were traditional news media, in particular the debates on TV. It?s also in the debates the first-time voter?s trust the most. Even though the social medias are constantly present in their everyday life and even though the first-time voters believe the social medias have potential for engaging young people politically, the possibilities are only taken in advantage by people who are already politically interested.

Given the current geopolitical situation in Europe and the upcoming election for the European Parliament, it is important to further analyse individuals? attitudes towards European integration, specifically the Common Security and Defence Policy (CSDP). This analysis aims to gain a deeper understanding of individuals attitude towards CSDP. Therefore, the objective of this study is to analyse which factors that plays a leading role in influencing individuals? attitude towards CSDP.

The aim with this master thesis is to analyze a scientific material concerning the context between learning and child/student development, and factors which controls process of learning, to create an image with quality account and teaching in mathematics, which then can raise the mathematical knowledge among students.The phenomena which stand in focus for the investigation is: why there is a negative tendency for development of knowledge in mathematics, among the Swedish students that TIMSSs investigations showed in intercultural comparison within the years 1993, 1999, 2003 and 2007.The method is the ethnographical method, which is based on: analyzing scientific theories about learning child/student development, factors which controls process of learning, and factors which controls process of learning the most and qualitative empiric investigation with qualitatively analyzes the questionnaires, which is about factors which are controlling the process of learning and factors which are controlling the process of learning the most.Result of the theoretical and empiric analyzes shows that factors as school environment, attitude for subjects and teaching, controls and influence the learning. To end a unenthusiastic tendency as a negative development of mathematical knowledge among students that is shown in TIMSS investigation and to elevate the students' performance in mathematics, an elevated qualitative account and teaching in mathematics, by the factors named. Safe school environments as the intercultural meeting place, the teachers influence part to the students' subjects' attitude in mathematics and goal related grading criteria in teaching, is all required for e qualitative teaching in mathematics..

Background:The sudden infant death syndrome (SIDS) has always existed. In the early 1990's, researchers discovered that prone position was associated with a significantly higher risk for SIDS. This resulted in a lowered incidence of SIDS in the world. The campaign showed the value of risk knowledge and risk reducing methods, that's why new information campaigns about other risks regarding SIDS must occur.Aim:The aim was to describe the risk factors and preventive actions for SIDS, and the nurse's role regarding the preventive work. Method: A literature review based on 16 articles based on qualitative and quantitative studies.

This paper examines the concept of heritage and which factors that determines how we evaluate and select what should be considered cultural heritage. This has been examined using a qualitative study involving interviews with seven people working within different parts of the cultural heritage sector. The purpose was to get a picture of what the public sector?s cultural heritage consists of and why so. The research question was: What gives the status of cultural heritage? This was examined by looking at further questions: What defines the concept of cultural heritage? Who decides what should be considered cultural heritage? What is significant when discussing cultural heritage? One conclusion is that the concept itself is experienced as diffuse but that the meaning can be summarized as the traces we leave behind to be preserved by future generations.