This study examines the effects of credit risk and information disclosure in the new bank regulating system Basel II on bank and bank customer. The effects are then discussed in a perspective of the economic man and information asymmetric theories. Furthermore is the Basel II effects on the capital adequacy of Andelsbanken för Åland examined.The approach of the study is qualitative and several interviews with individuals on different levels of the examined bank, Andelsbanken för Åland, have been carried out during the collecting of empirical facts about the effects of the regulating change from the Basel I system to Basel II.The research findings are as follows:Andelsbanken för Åland have increased its capital adequacy ratio from 12,7 percent to 14,4 percent, mostly due to lower risk weights on housing mortgages compared to Basel I. Andelsbanken för Åland have started to use a completely new credit risk and customer assessment system which classifies every customer and gives them a credit rating. The system cause a much heavier information gathering of the customers profile as well as a much better assessment of risk than the previous system, which the bank finds positive.

In this degree project I write about how the farmers who grows carrots in Sweden get influenced by different rules, investments and demands. The Swedish agriculture are heading towards a harder time, and then you have to find new things to do. Now its hardly no profit to grow grain so you have find other crops. This paper is not a comparison between the contract cultivation to Findus and the cultivation where the farmer maked his products by a own company on the farm. If you have a small processing company on the farm, you have to increase the standard with different certificate. The farmer binds a lot of capital in machines, both field and in the process.

The purpose of this study was to examine how school personnel describe and interpret the phenomenon bullying among girls, and also what their interpretations are based upon. More specifically its aim was to find out what characterizes and causes girl-to-girl bullying, according to school welfare officers and teachers. We wanted to find out how school personnel look upon aggression among girls and social expectations on girls behavior. The analysis was based on two kinds of perspectives: one focusing on gender and one focusing on power in relationships. Research shows that girl-to-girl bullying is hard to observe and that this problem has been invisible in earlier studies.

This study began with a mission statement from the firm Tobii Technology AB to identify customer needs in the relatively new and rapidly growing market for eye tracking analysis. After consuling external experts, the authors however found that the availability of previous academic published market studies of new and fast growing markets was poor. Therefore a decision was made to execute the task and at the same time create a methadology for future studies in this area. The identification of customer needs, which formed the basis of the insights and analysis, led to frequent discussions between the authors and the firm's supervisors. This resulted in a project plan and a decision that an iterative model would be used, were earlier decisions would be questioned and refined throughout the project.

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.

According to international and national literacy studies (PISA, PIRLS) Swedish boys are inferior to Swedish girls when it comes to reading. There can be numerous reasons to that statement. One is that Swedish teachers require more knowledge about communication as an important component in literacy. In spite of this shortcoming, Swedish girls manage to gain sufficient literacy. Why is that? The aim of this survey was to examine if there were any differences between girls and boys regarding communication skills when they begin in school.The main questions taken in account were:Which differences and/or similarities in communication skills are discernible between boys and girls this particular preschool?How do boys and girls communicate with each other in different room contexts on this particular preschool?           To be able to answer the questions, I adopted observations and audio recordings from children aged five.

Studien a?r en underso?kning om hur personal beskriver musikverksamheten i den omsorgsgren som erbjuder sysselsa?ttning fo?r personer med grav till lindrig intel- lektuell funktionsnedsa?ttning. Studien so?ker ocksa? svar pa? vilka reflektioner per- sonalen har kring musikverksamhet. Uppsatsens problemomra?de uppsta?r i ska?r- ningspunkten mellan det praktiska, vardagliga arbetet med musikanva?ndning i mo?tet med personer med intellektuell funktionsnedsa?ttning och uppsatsens pro- blemomra?de utifra?n det musikterapeutiska a?mnesomra?dets teori och tilla?mpning.Studien har den kvalitativa forskningsintervjun som metod.

The aim of this thesis is to describe and compare the cataloguing rules for sound recordings: the rules used by a specialised archive and common libraries respectively. We will put the rules in relation to purposes (the objectives of a bibliographic system) and principles (directives that guide the construction of a bibliographic language). The first question to be answered is in which way the set of rules used by a specialised archive differ from the one used by common libraries. The second question examines if and how the differences can be derived from purposes and principles. The sets of rules studied are KRS (chapter 6) and the Swedish version of the IASA Cataloguing Rules (1999), worked out by the National Archive of Sound and Moving Images (SLBA).

The aim of this thesis is to study Viking Eggeling?s artwork Diagonal Symphony together with Eggeling?s own art theoretical writings. This method of reading Eggeling?s art theoretical writings with the aim to try and create a deeper understanding of his art and especially Diagonal Symphony is a new approach in Eggeling?s art historical discourse. The thesis starts with a description of how the field of art history has understood Eggeling and his art primarily through art historical research aimed at Hans Richter.

The aim of this study is two folded. We wish to investigate if there is a value premium from hedging jet fuel exposure for American and European airlines. We also seek to answer if airlines can affect their probability to default by using Risk Management. During the period 2003 ? 2006 there existed a value premium for airlines that hedged their expected future consumption of jet fuel.

The relation between copyright and the right to privacy is complex and difficulties exist in balancing the rights. Copyright should not be limited. Therefore, to ensure the economic rights of the copyright owners, must the right to privacy instead be limited whenever the two rights collide.The implementation of IPRED into Swedish Law meant a vast change as private operators are able to request information concerning a suspected infringer before as well as during a proceeding concerning an infringement of intellectual property. The chosen implementation method goes beyond IPRED?s requirements and also sanctions a lower standard of proof to grant the requested information.

A company reconstruction is an alternative procedure, for companies in payment difficulty, to receivership. Those in any kind of relationship with the ailing company ends up in a dif- ficult situation at a company reconstruction, as in any case when someone is in financial difficulties. Not only is there a risk for the providers not to get paid, the costumers are also at risk if the reconstruction company does not fulfil their agreement. These kinds of rela- tionships are controlled by a contractual relationship. Therefore the regulation has to con- tain how to deal with these contracts when the ailing company no longer can fulfil its obli- gations of the contract.

The Mobile phone has contributed to massive changes in the way that human beings communicate with each other and is a technology that is a part of society?s globalization. Opinions differ in the area of user interface where some feel that mobile phones exclude users such as senior citizens or users with an intellectual or a physical disability.Universal Design ??design for all?, is a vision that intends to bring about settings, products and services that suits as many people as possible irrespective of an individual?s needs and prospects. The criteria for ?design for all? are among other things flexibility, user friendliness, comprehensibility and a high tolerance for mistakes.The purpose of this essay is to investigate the mobile phones graphic user-interface from the theory of a universal design.

The survey is a qualitative study that aims to investigate the ethnic housing segregation in the residential area around Malmvägen that is located in Sollentuna. Malmvägen is a millionprogramarea that?s made up of unattractive tall buildings with grey facades. The majority of the residents have foreign backgrounds and the unemployment rate is high among the youths in the area. The apartment rents on Malmvägen are low and many of the residents belong to the subclass of society.

Warehouses are a key aspect of modern supply chains and play a vital role in the success or failure of businesses today. Figures from the USA indicate that the capital- and operating costs of warehouses represent about 22 % of a company?s logistics costs while figures from Europe indicate 25 % (Baker & Canessa, 2009). Because warehousing is such an important function within a company, the authors chose to focus on this in their thesis. The purpose of this thesis has been to examine the significance of a Warehouse Management System (WMS) and item identification with attention to logistic efficiency.