Managing credit risk might be the single most important business area for any commercial bank. The assessment of "good" and "bad" corporate clients is a important task for a creditor. A bad debtor is a corporate client with hardships in meeting the continous claims (interest payments) that a creditor requires. One way of evaluating or separating a "bad" client from a "good" client is to assess the propensity for the client to file for bankruptcy. This thesis examines 226 firms in the Swedsh market in the quest of predicting corporate bankruptcy.

 ABSTRACTThis master thesis defines a new concept ? Math Videos on the Net. The term refers to short,educational videos of mathematics that are freely available on the internet. The videos aredesigned to offer a complement to other course material for a specific element of a specific mathcourse and are directed to the target group of students studying the latter. Within this work, MathVideos on the Net have been created for the Swedish upper secondary school courses Matematik1b and 1c.The study aims to describe, analyze and interpret whether, and if so, how Math Videos on theNet can help support the work of teachers and students? development of knowledge in the firstmathematics course of the Swedish upper secondary school.

Syftet med knowledge management är att försöka omvandla de anställdas individuella kunskap till organisatorisk kunskap. Att lokalisera och registrera vem som innehar kunskapen, t ex genom kunskapsprofiler, kan underlätta omvandlingen och kodifieringen av kunskapen. I kunskapsprofilen kan den anställdes mission, utbildning, arbetsrelaterade kunskap, hobbyer, kompetenser och färdigheter, personlighet samt professionalism ingå. Syftet med vår uppsats är att belysa nyttan med kodifiering av kunskap i form av kunskapsprofiler. Vi har utfört en fallstudie hos tre bemanningsföretag och våra resultat visar att bemanningsföretagen har system för i huvudsak lagring av vilka kompetenser de anställda besitter.

In this paper the authors are trying to understand what separates men from women when they save and invest their money. But also what factors that influence them in their decisions. To investigate how men and women actually act when investing their money the authors construct a survey. The authors also turn to the Swedish banks for information on how they think there customers are behaving. The authors find that men are more risk- taking than women and therefore invest more in products with higher risk, for example shares.

Background: A health damage that has been specifically related to nursing is pressure ulcers. Pressure ulcers are a complication caused by disease, care and treatment and can result in great suffering for the patient. Pressure ulcers can affect people both physically and psychosocially and is experienced, by most patients, as a serious and unnecessary complication of care. Today there are hundreds of identified risk factors for pressure ulcers described that can be divided into patient and care-related risk factors. A successful pressure ulcer prevention and treatment is to reduce or eliminate the underlying causes for the development of pressure ulcers, prevent deterioration and to treat existing ulcers.

The purpose with this essay is to contribute with knowledge on how pedagogues in Swedish schools can prevent cultural clashes between themselves and their pupils and between pupils from different cultural backgrounds.The survey is done with qualitative interviews with three pedagogues.The result shows the importance that the pedagogues are positive to cultural meetings and that they acquire intercultural competence. The result also shows that the interviewed pedagogues acquired competences through direct meeting with students and their parents, courses, lectures and literature.The conclusion of this essay is that if pedagogues obtain more knowledge about their own and other`s culture, it would prevent cultural clashes in school.I believe that if the pedagogue teaches his/her students that there are different ways to think in the world, fewer cultural clashes would occur between the students.Key words: culture clash, education, communication.

Lidande utgör ett hot mot hela människan som ej kan undflys. Patientens lidande påverkar vårdaren. Det skapar ett eget lidande i sjuksköterskan som inte kan lindra patientens lidande eller till och med orsakar ytterligare lidande. Också anhörigas lidande påverkar intensivvårdssjuksköterskan. Syftet med uppsatsen var att beskriva hur intensivvårdssjuksköterskor upplevde att vårda patienter med svårt lidande.

Background: Documents and legislation inform us that parts of the public health service of Sweden, at a political level, aim to support people?s sexual health. Statistics show there has been an increase among young woman, seeking help for sexual pain during intercourse. The diagnosis that the media has come to observe lately is vulvar vestibulitis. In general there is a lack of knowledge about the existence of this state of pain and its causes, which impacts woman to get appropriate help and support in time.

This study forms part of the R&D project "Improved survival of bird chicks in organic fields" managed by the Rural Economy & Agricultural society in Uppsala. The skylark (Alauda arvensis) is a species that has decreased drastically in Sweden as a consequence of more intensive cropping. Studies in England have shown that skylark reproduction can be greatly improved within conventional fields, at a low cost, by establishing patches of bare ground (skylark plots). Within conventional farming, herbicides can be used in case a weed problem arises due to implementation of these skylark plots, whereas this is not allowed in organic farming. This study examined the effects of skylark plots on the weed culture in organic autumn-sown (winter) cereals and whether weeds might cause long-term problems to farmers. The study was conducted in two parts; a field study and a review of the literature regarding the weeds observed. The field study was carried out in 2007 during three weeks in June and three weeks in July, on eleven organic fields with winter cereal in the vicinity of Uppsala.

Individual adaption to the student´s needs is a recurring main theme in the new Swedish curriculum (Lgr11). The purpose of this qualitative study is to examine how teachers work with individual adjustment for students with reading and writing difficulties. The study was based on five questions;In what way do teachers organize their teaching in the classroom individually for students with reading and writing difficulties?What methods do they use for student´s with reading and writing difficulties?What difficulties do they encounter in their teaching?How do the teachers reason to curriculum goals regarding individual adaptions?How do they think about their own knowledge regarding reading- and writing difficulties and dyslexia?The method for my study was qualitative interviews. Five teachers were interviewed in semi-structured interviews.

Swedish students' knowledge of mathematics has deteriorated in recent years. Teaching of mathematics is therefore starting point in an ongoing discussion among researchers, school leaders, politicians, teachers and others, who all thinks they know best about how teaching should be designed to the greatest extent possible to raise students' proficiency levels in the subject. Teachers' practices have long been the focus of discussions and views on these differ. The purpose of this paper is therefore to study students 'conceptions of mathematics and mathematics teaching, with teachers' methods and tools of focus, in relation to previous research on the subject. The method used was a survey of students in secondary school and a textual analysis of previous studies on the subject.As revealed by the survey was that the textbook has a big advantage in mathematics education in Sweden today.Many students are not accustomed to working in a different way and thereforedoes not know either what the alternative approach entails.

This exam is about student?s perception of food and dietary advice. I illustrate food and eating from the youth's own perspective. The aim is to investigate how students perceive as "good" diet. It also reveals that students at the surveyed schools have poor knowledge of what is plate model.

In school there are many pupils with Swedish as their second language and these pupils often have less basic condition compared with pupils with Swedish as their mother tongue and the most common root cause is lack of language knowledge, also the time spent in Sweden matters.I have trough questionnaires and literature studies investigated if there, for pupils with Swedish as their second language, is an easier way to figure out how to read and write in Swedish using fiction literature as learning material compared with ordinary ways.In the questionnaires that I performed participated a number of teachers that teach Swedish as a second language. These teachers all work in schools with a big share of pupils with Swedish as a second language.I also tried to evaluate if there was a difference between teachers with a graduation in Swedish as second language compared with these who don?t have a graduate but still work with these pupils.The result shows that I discovered that only the graduated teachers have used fiction literature as a learning material in the daily work and have experienced good results from the pupils, they also knew why they used fiction literarture for reading and writing training.As a teacher it is very important to have the knowledge regarding children that have Swedish as a second language, to be able to support them in a correct way.Despite the pupil can?t speak or read the new language, it has feelings and knowledge about the circumstances that they can?t express.The teachers mission is to knew and have understanding for these circumstances.Keywords: Pupils with Swedish as second language, learning to read and write, fiction literarture, school..

This report summarizes a Bachelor Degree Project in Integrated Product Development,carried out during the spring semester in 2007 by three students at the Product Design Engineering programme at the University of Skövde. The project was performed as an assignment for KinBag ab, a sister subsidiary to Kinnegrip ab in Lidköping, who develop,manufacture and market the golf bag KinBag, a bag with an integrated wheel carriage system. The purpose of the project was to redesign the golf bag to attract a target group consisting of golfers aged between 20 and 40.The layout of the project was as follows: The project began with a feasibility study where different problems were identified with the basis of a market research which eventually was summarized in a dynamic specification of requirements. The feasibility study was followed by a generation of ideas which contained everything from sketches to simple mock-ups with an intensive amount of thoughtful brainwork and information gathering in between. This ledto the development of a number of design concepts, both on an overall level and on different parts of the golf bag.

Abstract: Private equity used to be synonymous with tremendous yields and rates of return. However, the private equity market trembled in 2008, due to the financial meltdown caused by the worldwide credit crisis. Considering the current low number of exits within the private equity industry, the purpose of this thesis is to examine if there has been any change in how private equity firms control their portfolio companies since the inception of the crisis. One private equity company and two portfolio companies have been studied. The case study is prepared from interviews with senior directors in the portfolio company and investment managers in the private equity firm.