ABSTRACTTitle: Basel II ? The New Basel Capital Accord and its influence on small Swedish banks and their retail banking and risk management.Seminar: May 24th, 2007Course: FEK318 Bachelor thesis in Business Administration, 10 Swedish creditsAuthors: Mattias Kjellberg, David Uhlmann & Ivana ZubacAdvisor: Joakim WinborgKeywords: Capital cover, capital requirements, Basel II, credit giving, credit risk, risk management, retail banking, small banks, pillar 2Problem: What influence does Basel II and the new updated management of credit risks in pillar 1 and the active risk control in pillar 2 have on small Swedish banks retail banking?Purpose: Our essay seeks to explore what influence pillar 1 and the new updated management of credit risks in the new capital accord Basel II have on small Swedish banks and what influence pillar 2 have. We also want to explain if Basel II has influences on small Swedish banks credit analysis and possible effects in their risk management and pricing.Methodology: In our essay we use an inductive approach and our chosen research method is the qualitative one. We have chosen to look into four small Swedish banks, and the empirical data is obtained from telephone interviews with selected respondents from Länsförsäkringar Bank, SkandiaBanken, GE Money Bank and ICA Banken.Conclusions:? The work with credit scoring does not get influenced by Basel II if the Standardised Approach is chosen.? Banks that?ve early implemented high technological systems in the organization, that small banks normally do, have gotten an easier transition to Basel II.? Basel II will result in a risk adjusted pricing and a more fair credit market.? Internal Ratings-based Approaches is very demanding to develop, but at the same time it?s a more risk sensitive approach.? Pillar 2 results in a more sophisticated work for the small banks.? Basel II results in a further price press on residential loans in Sweden..

I denna uppsats studeras investeringsprocesser i det divisionaliserade företaget Södra Skogsägarna ekonomisk förening. Studiens syfte är att beskriva och förklara företagets investeringsprocesser och i vilken utsträckning dessa processer är standardiserade. I studien analyseras dessa investeringsprocesser utifrån befintlig teori. Studien visar att investeringsprocesser initieras i den operativa verksamheten för att sedan drivas fram i den operativa verksamheten och i ledningen på enhetsnivå. Beslut fattas på alla nivåer i företaget efter investeringars storlek.

This essay is about personal assistance for persons with considerable intellectual disabilities.The purpose with the study is: to examine personal assistance for individuals, who can`t speakfor themselves, to examine how the individuals can determine and get influence into theirassistance and how they can get help with it, to examine the role of an representative inrelation to the serviceuser´s assistance and examine if there are factors of gender in theinterviews.The chosen method is qualitative interviews.The interviews has been analysed through earlier research about personal assistance andtheoretical perspectives like: influence, integration and citizenship and discussed throughperspectives of social psychology.The main conclusions are: the influence the serviceusers can have is through persons whoknow them very well, the role of the representatives are indistinct, the serviceusers can´tdetermine their assistance themselves and need help with it from relatives, representatives,personal assistants and managers, the persons who know the serviceuser intimately are best totransform the needs to assistance. The factors of gender, are that there are more men aspersonal assistants than in the care of elderly, and the representatives are mostly men. Thepersonal assistants appreciates the time they have for the serviceuser, the work can be lonelyand demanding..

Although Sweden has democracy implemented in its Constitution, because of being a monarchy, it has a non-elected Head of State. The purpose of this thesis is on the one hand to show if it is possible to normatively legitimate the Swedish monarchy and on the other hand to display if and how the three biggest Swedish newspapers Aftonbladet, Dagens Nyheter and Expressen justify monarchy by making a content-oriented analysis of their coverage of King Carl XVI Gustaf's political statement during his state visit in Brunei 2004.By using consequentialism and deontology as perspectives I will show that it overall is not possible to normatively justify the Swedish monarchy compared to a Swedish republic with an elected Head of State. This is mainly because democracy is implemented in the Swedish Constitution. In all three newspapers there is only little debate on the Constitution. Most commonly journalists criticize the King's statement but not monarchy as an institution.

The main purpose of this two year master´s thesis is to study patterns, structures and relations within gender studies when combined with Library and Information Science(LIS). Further aims are to determine the character of student work considering, occurrence, gender and main theme, to study the progress of the intellectual base of gender studies within LIS and to evaluate the use of bibliometrics as a tool for researching the development of a discipline. To achieve these aims, a bibliometric study using both publication analysis and citation analysis, is carried out. The studied material contains student work, specifically focused on gender, from the Swedish School of Library and Information Science (SSLIS) from 1985?2012.

The subject of this paper is to examine the view of diversity among ten teachers and three principals in the Swedish compulsory school. The purpose is to investigate how they relate to the diversity and in what ways it is involved in their work.The French sociologist Pierre Bourdieus basic ideas of habitus, capital and field are used as a theoretical starting point. The study is mainly based on interviews supported by literature in the subject area.The findings show that diversity is associated with ethnicity among all informants. The drawn conclusion is that this is partly due to the mediated picture but also since ethnicity mainly serves as a starting point in the literature..

Earth?s resources have been exploited unsustainably. If an entire conception of exploitationof natural resources does not change now, this will entail enormous costs in the future.This insight has lead to a recently increased interest in clean technologies among privateequity capitalists. In the fourth quarter of 2006 about 10 percent of all private equityinvestments made in the US market were placed in the cleantech industry. Despite a goodinvesting climate in Sweden, Swedish capitalists have shown little interest in cleantechinvestments.

Scania?s discount rate - the return requirement of investments - refers to Scania?s WACC or weighted average cost of capital. The capital markets return requirement on equity and the credit market interest cost of borrowing is weighted to become the single discount rate, the WACC. The purpose of this study is to investigate which asset pricing model of APT and CAPM Scania should use in their WACC calculations. The company now uses a group WACC of 11 percent which is used in all company levels.

Purpose: The purpose of this study is to increase the understanding of how a bank?s features and internal factors have affected its choice of method in calculating the capital requirement.Theoretical and Empirical Method: The research strategy of this study has been of a qualitative nature with a deductive approach. The choice of method was depth interviews with respondents from a targeted sample of Swedish banks. These respondents were chosen based on the knowledge they possess as key employees in the capital requirement process and their involvement in choosing their banks? method for calculating the capital requirement.

Geographical indications designate products which have a specific geographical origin, which can either be national, regional or local. The subject is complicated since geographical indications arises a large number of questions There are EC regulations which regulate the protection of geographical indications, but since the field has not yet been exhaustively harmonized, the existence of national rules of protection is therefore still possible, which can lead to trade barriers between the member states. Consequently, one problem consists in whether it may be legitimate to restrict the free movement of goods by article 28 in the EC Treaty by referring to national rules of protection and to what extent such measures may be justified by article 30 or by the Cassis doctrine. An additional question consists in how the line between geographical indications and generic terms is to be established appropriately. Further, geographical indications are exposed to improper use by other dishonest commercial operators and therefore the possibilities of protection against unfair competition and misleading are also discussed in the thesis.

The number of students who finished special upper secondary school for pupils with intellectual disabilities without an employment has drastically decreased over the last decades. The purpose of this paper is to increase the knowledge of how career counselors at special upper secondary schools collaborate with the Employment Service, and how the special upper secondary school prepares their pupils for working life. The collection of data started with a national questionnaire survey which was directed to career counselors at schools.The result shows that the collaboration appears foremost in the pupils last year in special upper secondary school, and that the special upper secondary schools do not use the Employment Service's assistance to any great extent. In addition, the collaborative process consists of both inhibiting and promoting factors.The results also indicates that the collaboration between the special upper secondary schools and the local labor market can be developed more for the pupils to gain experience from working life..

Syfte: Syftet med denna uppsats är att utvärdera Mission Statements som analysverktyg när det gäller att förutsäga konkurrenters beteende. Eftersom detta inte gjorts tidigare finns det ingen självklar metod för att angripa detta problem. Därför hör även till uppsatsens syfte att utveckla en metod för att studera frågeställningen. Metod: Den egenutvecklade metoden vilar på två grundläggande principer. Eftersom området vi rör oss inom är relativt outforskat föll det sig naturligt att försöka skapa en djupare förståelse för problemet snarare än att dra generella slutsatser.

This essay aims to explain the fluctuations in the Swedish transition rate to higher education between 1923 and 2002. With theories of human capital, and screening, as points of departure, seven variables are selected and their correlation with the transition rate investigated by use of graphs and tables. The variables are unemployment, youth unemployment, the supply of academics, cohort size, number of high school graduates from programs preparing for ensuing studies, relative wage trends for worker categories with differing levels of education, and structural phase. Results show that no single variable nor the theories of human capital or screening can explain the fluctuations in transition rate in full. Instead I propose a theoretic model which amalgamates the above and places risk aversion as the driving force behind the individual?s educational decision.

Through participant observation in a local promoter group of hardcore punk shows inGothenburg and qualitative interviews with its members I have investigated links between taste in music, values and social structures in the hardcore punk scene. The theoretical framework of this essay is built upon the concept of subcultural capital, which is adapted from Pierre Bourdieu and developed by Sarah Thornton and Keith Kahn-Harris. The result shows how members among the hardcore punk scene create and preserve distinction towards others, while the distinction becomes important benchmarks for including and excluding practices in the scene..

The aim of this research is to evaluate whether the social environment of Swedish high school students affects their views on the multicultural society. The research material was collected through the use of two focus groups containing high school students from two different schools, one group is used to a multicultural social environment while the other group is used to a less multicultural social environment. With the researcher acting as a moderator in the focus groups, the students discussed different questions regarding multiculturalism, gender equality and religion. The theory that this research is based on suggests that the social environment and the social capital affects the students views on the multicultural society. The results of the research were evaluated and connected to the theory.