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3612 Uppsatser om Interest-free loans - Sida 52 av 241

Integration mellan system : En undersökning av olika framgångsfaktorer

This paper exposes the problems and challenges organizations face when integrating aged systems, web based systems and web services. The paper focuses on how people with different titles in an organization experience systems integration and the factors that contribute to project failure or success. The research methodology used in this is Grounded Theory and the resulting theory of this paper has taken form through the coding of transcribed interviews, which have gone through a constant comparing to other theories in the area of interest, mostly articles about success factors in system integration. The resulting outcome is a success model aimed to describe the underlying indicators to achieve project success.The success model consists of three factors that contribute to success in integration projects. The factors are: globalization, governance and balance.

Bolånetakets initiala och långsiktiga effekter

Background: The Swedish Financial Supervisory Authority?s mortgage limitation, of mortgaging up to 85 percent of the market value of the real estate was introduced on the first of October 2010. The aim of the recommendation is to prevent a detrimental development of the market for mortgages while at the same time creating incentives for the consumers to limit the debt level. The mortgage limitation is a recently adopted recommendation and few studies have made a thorough analysis of its effects, hence it is an interesting topic to study.Aim: The aim of this study is to analyze the initial effects of the mortgage limitation for consumers, banks and estate agencies. Furthermore, the study aims to evaluate drivers of consumer debt levels and conclude whether the mortgage limitation will result in lower debt levels for consumers.Completion: The study is based on interviews with respondents from banks and with respondents from estate agencies to enlighten the initial and long term effects of the mortgage limitation.

Wireless Trailer Connection

Today's communication solution between the vehicle and trailer is one many see as anon-viable solution, then breakdowns on both the lights and cables are common. Now, anew innovation enters the market, a system that can transmit wireless control signalsbetween the vehicle and trailer.Parvus and Zap, the two solutions that the projekt group has come up with during thisthesis work carried out over the last year on Utvecklingsingenjörsprogrammet.Technologists Peter Jägevall and Christopher Åberg has developed this project on theirown. The group has developed various concepts and chosen to work on, two of them.The project has resulted in this report and a prototypeThe solution that the group has developed is a wireless communication between vehicleand trailer. The project team has developed new power-efficient LED lighting fixtures inorder to implement an internal power source in the trailer. The result of this has becomea maintenance-free and wireless product to trailers.

Development of new food products with components active against Helicobacter pylori - with purpose to improve gastric health in humans

Gastric and intestinal disorders are common and costly human health problems worldwide. Helicobacter pylori are a gram-negative, pathogen bacteria and the most common cause of duodenal and gastric ulcer in the stomach the intestinal mucosa. Prolonged infection and colonization can lead to chronic gastritis and stomach cancer. H. pylori are present in the gastric and intestinal mucosa of half of the world population and a relation between infection and low socioeconomic status has been shown.

En precisionsstudie av förstärkt verklighet som positioneringsverktyg

This study investigates augmented reality using third person perspective and what precision can be achieved by using this method. There have been prior studies in regards to precision using augmented reality, however studies using third person perspective is scarce. This study presents a solution using a static camera capturing the user as well as the plane to augment from behind. This augmented image is then transferred to a handheld device that is held by the user. Using this method the user will be free to manipulate and work with the plane without removing the device that captures the scene, a common problem when using visual reference markers in augmented reality.

Costa Ricas konsolidering : När konsoliderades Costa Ricas demokrati utifrån ett maximalistiskt perspektiv

This thesis aims to examine when democratic consolidation took place in Costa Rica from a maximalistic perspective. The hypothesis is that it?s likely that the democracy was not consolidated as early as 1953 which would be the case if applying a minimalistic perspective. Linz and Stepan?s theory about democratic consolidation has been chosen as the theoretical framework of the thesis and the research has been conducted by using a qualitative text analysis.

Effektivare traktordemonstrationer : femtio lantbruksföretag svarar

The background to this paper is the fact that many products are demonstrated to show the consumer value of the product. This is generally the fact when it comes to agricultural products, such as tractors. The growing number of models makes this even more import for the retailer to perform a demonstration that really catches the interest of a prospect customer. One problem is that these demonstrations are expensive and many small retailers have difficulties to afford demonstrations of every model. Together with Åhmans Traktorcentrum AB a market investigation was conducted. The company has its primary sales area in the region of Östergötland and north part of Småland. Åhmans Traktorcentrum AB is a John Deere dealer.

Internetportalen : en värdeskapare?

This Master Thesis treats the non monetarian aspect about the Internet Portal from a consumer and company perspective. The purpose of this thesis i st o give or create a picture and a tool, a model for how the Internetportal could be evaluated an valued. By creating a so called Dynamic Scorecard the authors of this Thesis have created a model throug which the purpose of this thesis is served. Through this model the authors have come to the conclusion that the Internet Portal can be evaluated through both economic, social, service and technical factors as well as through what relationship the companies or consumers value concerning the Internet provider. The product of conclusions of this Thesis is that there are three main factors upon wich the Internet Portal is valued.

Skolbibliotek - vem bryr sig? En undersökning av 14 organisationers syn på skolbibliotek under 1995

In the Swedish school library discussion, the most prominent role of the school library haslong been that of cultural centre in the school, with the main goal being to encourage children'sreading. During the 90ies there were signs of a shift in focus to the role of information centre,giving active support across the whole range of the curriculum, in the independent researchingwork of the students. At the same time severe budget cuts caused great worries for the future.The interest for the school library media centres increased during this time, many differentorganizations said they wanted to fight for better school libraries. The purpose of the presentwork was to find out who they are, what they want and what their ideal school library lookslike. Fourteen organizations were studied, focus was on activities during 1995.

GMO Food Products - The issue of marketing and selling them in Europe.

Title: GMO Food ProductsThe issue of marketing and selling them in Europe - A Business and Legal Perspective.Author: Shane KingSupervisors: Anneli Carlsson and Ewa RabinowiczProblemThe European Unions regulations in regard to GMO?s and the approval process for both release into the environment, and onto the market, has been under fire by the USA along with Canada and Argentina. The WTO has ruled on this issue in favour of USA et al.The problem that was identified was in regard to consumer opinion in the EU. How could the EU meet its numerous international trade obligations while at the same time meetingthe needs of the citizens of the Union? Added to that was the issue of whether or not the?EU? perspective was indeed an EU perspective or rather the perspective of a fewMember States.

DET ÄR MITT LIV! DET HÄR BEHÖVER JAG - vägen ut ur missbruk ur ett brukarperspektiv

The purpose of this essay was to investigate which factors the individuals found important in the process of becoming a person with a drug-free life. The framing of the questions we had were to get the experiences, thoughts and wishes of the drug users. The survey was based on thematised qualitative interviews and focused in the personal stories of the interviewees. We interviewed four women and five men, all of which had several years of drug-abuse behind them. We found similarities and patterns and we could identify that the three most important things was the own motivation, will and that the drug-abuser had the possibility to change their social network and had the ability to find other important things in life..

Fri rörlighet av varor : Art 34 FEUF och åtgärder med motsvarande verkan - "från Dassonville till Trailers målet"

The characteristics of free movement is the elimination of obstacles to trade between Member States and thus by such, create free movement within the entire union. Therefore art 34 in the Treaty of Lisabon (FEUF) states that all quantative restrictions on imports and measures of equivalent effect are prohibited. The legal approach to measures having equivalent effect is still unclear and the purpose of this paper is therefore to propose a solution to that particular problem. What can be said when it comes to this rule is that the EU-Court has gone from applying a discrimination test to a market access doctrine.According to the Court´s case law, measures having equivalent effects to quantative restrictions are ?All trading rules enacted by Member States which are capable of hindering, directly or indirectly, actually or potentially, intra-community trade?.  The question of how to apply the test when it comes to a potential hinder to intra-community trade is still unclear.

Basel II - Det nya kapitaltäckningsregelverkets påverkan på de svenska nischbankernas kredit- och riskhantering

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..

Mystik och metod. Albert Schweitzers tolkning av Paulus teologi i ljuset av den "mystika vändningen"

This essay is an attempt to study some post-modern theological positions with regard to their growing interest in the use of mystical theology and mysticism in theological research in the academic post-modern world, and to see if the 19th century theologian Albert Schweitzer couldprove a resource for this understanding of mystical theology. This position is known in the essay as ?the mystical turn.?To present the background and understanding of this post-modern view of mystical theology the essay presents three theologians, namely: Andrew Louth, Mark A. McIntosh and Sarah Coakley.These three theologians argue for the use of a contemplative and transforming mysticism as a postmodern epistemology in relation to theological research, with growing concern of the status of theology in the secular and post-modern world. Having made clear the views of these three theologians the essay then presents Albert Schweitzer's view on the mysticism of Paul.

Aktiemarknaden ur ett psykologiskt perspektiv utifrån finansanalytikers synvinkel

The Swedish population has the world?s largest percentage of shareholders either by direct or indirect owning. Due to the increasing interest of equity capital markets, private as well as institutional investors rely on forecasts from financial analysts. The reason for this is due to the lack of expertise among investors in this area. Due to the fact that analysts influence the Swedish stock market immensely, it?s of great interest to explore whether an analyst can be seen as a rational participant.

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