Syftet med denna uppsats var att visa hur banker balanserar lönsamhetskrav med rollen som samhällsfunktion. För att uppfylla syftet formulerades tre forskningsfrågor om hur banker identifierar och hanterar olönsamma kunder samt behandlar samhällsansvar gällande finansiell uteslutning. En fallstudie baserades på intervjuer med kontorscheferna på tre lokala bankkontor i medelstor svensk stad. Det empiriska resultatet presenterades anonymt för att få härligare och mer uttömmande information. Resultatet visade att banker använder ögonblickligt värde för att analysera kunder värde och när det gäller hantering av olönsamma kunder finns risk för finansiell uteslutning främst på grund av kreditkrav och riktad marknadsföring.

Research issue: The transition from Basel II to Basel III becomes consuming for banks, financially. But Basel III should be profitably for financial market economy. Risks in the financial world is very complex. Is Basel III is sufficient to manage risk and future crisesPurpose: The purpose of this paper is to examine the application of Basel II and the transition to Basel III in Sweden with the banking system in focus.Method: The study has a qualitative research methodology for the collection of empirical data. The study is based on interviews with four large banks of Sweden (Swedbank, SEB, Nordea, Handelsbanken) and with Finansinspektionen.

The history of Banu Umayya has since the collapse of the caliphate occupied a major part in Islamic historiography. The present thesis analyses the presentation of the Umayyads in Ibn Khaldun?s al-Muqaddima and its relation to previous historical traditions. The thesis examines the social and intellectual context in which Ibn Khaldun stood and how it is represented in his historiography, while also providing an overview of the various socio-political, intellectual and historiographical developments in Islam. The theoretical perspectives are based on the concept of agency, examining the intellectual room for manoeuvre that the historian disposed of while composing the works.

Syftet med denna undersökning är att genom en kritisk diskursanalys av utvalda tidningsartiklar, redogöra för framställningen av Islamiska Staten (IS) i Irak och Syrien. Det avses genomföras i identifiering och analysering av framträdande diskurser i textmaterialet. Undersökningens kritiska ambitioner ligger i ett synliggörande av medias maktposition i samhället med fokus på diskursen om Islam och muslimer. Media tenderar att presentera en bild av IS och tillhörande diskurser utifrån ett västerländskt perspektiv, vilket ger upphov till ett skillnadskapande av ?vi och dom?.

On the first of October 2012 the media reported that the women in the Ikea cataloguehad been airbrushed in the Saudi edition. Initially the blame was put on either theSaudi government the Islamic culture or the Saudi franchise. In the end it wasrevealed that the Swedish company Inter Ikea Systems had the full responsibility forIkeas actions and therefore was the culprit behind the airbrushing. On whoseinitiative or why the airbrushing was done the media never found out. These areanswers only Ikea has, although they remain unresponsive to these questionsthroughout the news portrayal.This study methodology uses a qualitative content analysis as framework to furtherinvestigate the news media with support of theoretical perspectives such as mediatheory, power relations and cultural differences.

Background and problem: The importance of banks was clearly shown during the last financial crises, when the crises that started in the banking sector spread to the rest of the world. This is one of the reasons that this thesis is focused on banks in particular, one other reason is that a lot of previous studies has chosen to exclude banks because of the fact that their balance sheet differ from non-financial companies. This thesis is a beginning in filling in the gap that exists in the knowledge of banks capital structure. Purpose: The purpose of this thesis is to prove that it is possible to explain the capital structure in banks and that differences in the capital structure of the banks in Great Britain, Sweden and the United states of America exists. Method: The fact that our study is partly a replication of two earlier studies made a deductive approach most appropriate.

Syfte och frågeställningar : TidsNätverket i Bergsjön, upprättat i augusti år 2007 i Göteborg, är en verksamhet grundad på time bank-modell. Syftet med undersökningen är ?att studera vilka positiva och negativa erfarenheter av TidsNätverket i Bergsjön som dess deltagare ger uttryck för samt vilka konsekvenser verksamheten har fått för dem med avseende på empowerment och socialt kapital?. Mina frågeställningar är: 1) Vilka positiva och negativa erfarenheter av TidsNätverket i Bergsjön ger dess deltagare uttryck för? 2) Vilka konsekvenser har TidsNätverket i Bergsjön haft för uppkomsten av empowerment och socialt kapital hos deltagarna?Metod och material : Studien använder sig av semi-strukturerade intervjuer med deltagare, ostrukturerade intervjuer med den verksamhetsansvarige, liksom studier av intern dokumentation.

Målsättningen med kursen management är enligt kursbeskrivningen att utveckla en helhetssyn på företag samt ledning och styrning av företag. Avsikten är att studenterna ska få insikt i managementaspekter genom praktiskt arbete och genom aktivt deltagande vid olika kursmoment. : - Ökad självinsikt ger större förståelse för det egna beteendet och för andra människors beteenden. Genom ökad självkännedom kan ledning och medarbetare bättre utnyttja ett företags resurser.- I arbetslivet är öppen kommunikation och väl fungerande feedback viktiga element för att hålla samman en organisation och team inom denna.- Motivation är en viktig drivkraft i allt arbete. Faktorer som påverkar motivation är exempelvis ansvar, förtroende och stöd samt rättvisa.- Uppställning av vision och mål är viktigt för att driva arbetet framåt i rätt riktning i en organisation eller i ett team.- Det är viktigt att ha en öppen dialog för att undvika konflikter.

Purpose: The purpose of this thesis is to examine whether some periods of declines in Swedish real credit can be explained by a credit crunch. Is it further possible, with these results, to do any conclusions about the banks behaviour in the on going financial crisis that has shadowed the country since 2007/2008? Method: A credit crunch is here defined as a period of supply-side restrictions on loans which doesn?t reflect the ongoing interest rates. By estimating a supply and demand function with a disequilibrium model the excess demand- and supply for credit due to different periods can be calculated. Conclusion: A credit crunch has been present during a period after the banking crisis of early 1990?s.

Since 2003 Saudi Arabia is under attack from domestic Al Qaida-cells which, by random shootings of westerners and bombings of compounds and official state buildings, is trying to challenge the stability of the royal regime. According to Al Qaida, the Royal family is attacked because of their friendly relations to the US and for not implementing Islam in the Saudi society as profound as they ought to. Political analyst finds it obvious that the Islamic Al Qaida-cells by terrorism is trying to erode the stability in the kingdom.An important foundation for stability for any government is legitimacy. The aim of this thesis is to examine the royal legitimacy strategy in the state bureaucracy of Saudi Arabia. The question at issue is: how has the royal family constructed the civil, military and religious bureaucracies to maintain and promote stability and legitimacy?The thesis focuses on the on three different units within these three bureaucracies and it surveys the way they are staffed and organized to strengthen and maintain legitimacy for the royal family.

The global financial crisis hit hard on banking operations worldwide and the sector fell under considerable scrutiny, with particular criticism directed against the banks' own trading practices. A bank owned by the Swedish financial corporation HQ seemed to go without serious financial damage duringthe crisis.In 2008 Finansinspektionen began a review of HQ's activities and a number of shortcomings were identified. Among other things, HQ's risk management was questioned by Finansinspektionen and further how this potentially affected the valuation of complex financial products.In our paper we have chosen to highlight both national and international laws and guidelines that HQ used for their operations and study if HQ followed those laws and guidelines. We also want topresent the theoretical model used by HQ for the valuation of its European options and how HQ calculated their capital requirements ratio. Our purpose is to show how the valuation affected the capitalrequirement ratio and whether HQ followed the necessary laws and guidelines for the valuation of complex financial products.We have chosen to carry out a case study from a deductive approach.

Vårt syfte med uppsatsen var att beskriva, analysera och ange förutsättningarna för, och den praktiska utformningen av Balanced Scorecard på Nordea Kundcenter Privat i Malmö. Vi har genomfört en fallstudie med målet att utveckla och ge förslag på förbättringar för det befintliga styrkortet i syfte att utveckla verksamheten inom samtliga perspektiv. Vi har genom vår studie genomfört den första externa utvärderingen av Balanced Scorecard på Nordea Kundcenter Privat i Malmö. Utifrån den kan vi konstatera att styrkortet är väl implementerat i organisationen och fungerar idag som ett bra verktyg för strukturering, planering och utvärderingen av verksamheten. Genom studien har vi också kunnat konstatera att de viktigaste faktorerna till att styrkortet har nått/når framgång är ledningens och medarbetarnas förtroende för det.

Keywords: ID-method, internet, security, digitzing, bank Background: The digitizing of our society continues to grow and more parts of our lives is spent on the internet. The banks are one of the institutions that is at the forefront of this development since they established themselves on a early basis. The banks meeting points have since this establishment moved from the regular bank office out on the internet. A problem that has occurred during this transfer is the possibility to positive ID a customer in a virtual world. It is essential to offer the customer methods to identify themselves that are both safe and easy to use.

Background: The regulation of banks is increasing in order to stabilize the financial market. Despite this increase in regulation, financial crises still continue to occur. The Basel Committee on Banking Supervision is gradually increasing the capital requirements for banks, yet the increase in capital requirements doesn?t seem to solve the problem. This raises the question: how does capital regulation affect banks? Purpose: The purpose of this study is, primarily to illustrate the effects that capital regulation has on risk and efficiency on banks within the European Union, but secondary also study the relationship between risk, efficiency and capital regulation.Method: To achieve the purpose of this study, a deductive approach has been used, where the problem is assumed to be due to an agency problem.

Today you can pay in many different ways. You can for instance use cash, credit cards, internet and now even with your mobile phone. Today we can also see new types of technical payment solutions being developed, such as Near Field Communication (NFC), mobile banking or through the use of QR-codes. We have today many different payment methods; therefore it?s interesting to see which payment method people prefer the most.