This Degree project is a study about the Mortgage Cap, introduced in October of 2010, and its impact on the demand for rented apartments. The mortgage cap was introduced to decrease the households? loan-to-value ratio and thereby increase their economical resistance during times of financial instability.The past ten years Swedish households have continuously increased their average loan-to-value ratio. In an attempt prevent this negative development Finansinspektionen introduced a mortgage cap stating that banks should no longer grant mortgages corresponding to more than 85 percent of the property?s market value.In order to answer the main question two methods were used both a survey and two interviews.

International trade in services has increased over the past 30 years as a result of progress in information and communication technology, increased focus on services from the manufacturing sector and the establishment of trade associations.The international market for healthcare services, also referred to as medical tourism, is growing more and more. Patients increasingly seeking treatment at other countries healthcare systems because of long queues within their own country or because it exists better prices for the same care abroad. However, this type of service exports occurs at a limited extent in Sweden.The purpose of this study is to highlight and analyze the conditions for Swedish service companies to export healthcare services. This, includes the challenges and opportunities that exist to expand the exports of these services.The approach for this study has been in the form of interviews with two market actors and written responses, from the same interview guide, with three market actors. These market participants are the so-called Care companies which export healthcare services in various counties, and the membership organization Swecare who work with export promotion activities for its members in the Swedish healthcare sector.

A positive aspect of globalization, from a western viewpoint, is the growing demand of advanced products in China and other developing countries. The construction industry is thriving in China and Swedish companies have taken part in various projects. However the situation have been difficult for some of the companies. The aim of this study is therefore to investigate how strategic and cultural factors affect the potential for Swedish companies to operate on the Chinese construction market. The theoretical framework of the study consists of Porter?s and Kotler?s theories about strategy, and Hofstede?s, Bjerke?s, and Daun?s research about different cultures.

This study deals with the phenomenon of European integration and its impact on national party programs in Poland, a current member state of the European Union. The author will argue that the question of European integration has left a mark on the political party programs of two mainstream domestic parties on opposite sides of the ideological dimension, in the form of a certain degree of convergence regarding the ?European issue?. Relating the result of the analysis to the theoretical structure of Europeanization and sociological institutional change, the essay will attempt to show a possible link between them. Although this trend does not seem to indicate any dramatic effects of the membership per se in the programs (the national arena seems, in most cases, be of more value for party activities) there is an indirect effect in the form of the presence of Europarties and a pronounced incentive for social and economic adaptation..

Syftet med studien är att utveckla kunskap om hur personalen på boenden för ensamkommande barn utifrån empowerment arbetar med att möjliggöra de ensamkommande barnens delaktighet, inklusion och integration i samhället. Vidare syftar studien även till att belysa hur personalen på boenden själva ser på detta arbete. De frågeställningarna som belyses i studien är: Vad i arbetet med förhållningsätt skapar möjlighet till ensamkommande barns delaktighet i samhället, enligt personal på boenden för ensamkommande barn? Finns det skillnader mellan personal på HVB- boenden om vad man anser om att arbeta med delaktighetsfrämjande arbete? Om ja, kan dessa skillnader då förklaras med kön, ålder, utbildning, erfarenhet etc. av att arbeta med ensamkommande barn? Metoder som används i studien har en kvantitativ och kvalitativ ansats och innehåller en enkätundersökning och tre intervjuer gjorda med boendepersonalen i Kalmar län.

Syfte: Att utreda om nordiska aktiers volatilitet förändrats i samband med att de noterat sig på London Stock Exchange, New York Stock Exchange eller NASDAQ Stock Market. Vidare är syftet att se om aktiens korrelation med hemmamarknadens totalindex samt deras respektive branschindex har förändrats efter noteringen utomlands. Metod: Vi har i vår uppsats använt oss av en ?event study? där vi har beräknat korrelations- och volatilitetsförändringar vid nordiska bolags utlandsnotering ett år före och ett år efter noteringen med en avgränsning till efter 1990. Vid analysen har vi använt oss av en korralationsberäkningar och statistiska metoder som F-test för att mäta volatilitetsförändringar.

The following thesis will examine how a smaller library manages the prioritization of media between Swedish and 'minority language'. We are also interested in the challenges and problems that can occur in such work, as well as how the librarians think about their role in the integration process. We have studied this through several qualitative interviews with librarians as well as earlier related research. The results show that librarians display a high propensity of appreciation related to working with minority languages and consider this an important aspect of their profession ? they fully ingratiate and accept the importance of helping the immigrant population in learning Swedish.

Since the early 1940s in Sweden, subsidies have been a recurring feature in housing politics.Throughout history, these have been used as a management measure to control theconstruction of housing and to promote the Swedish welfare state. The political parties aretoday disagreeing on how much responsibility the state should carry for citizens housing. Tosolve the conflict, the dwelling has to be defined. Is the dwelling to be considered a socialright, like education and healthcare or is the dwelling to be considered a product for the freemarket, driven by supply and demand?The positive population growth in Stockholm has lead to an increased demand for dwellings.The supply of dwellings has not been growing at the same rate, which has implied higherhousing prices and longer wait for rented apartments.

The financial sector is an important part of the infrastructure. As a consequence of deregulations on the financial market, several new actors have entered the market. This has made it even more important for banks to identify the factors that are decisive when customers chose a bank. The purpose of this thesis was to clarify which factors that are decisive to students choice of bank. A survey was performed among students at Luleå University of Technology.

AbstractMaster thesis of one year in Business Administration, Swedish Business School at Örebro university,Marketing, HT 2011.Authors: Grunér, Linus and Malm, Ludwig Tutor:Pia Lindell Title:Brand building and creating relationships ? A study of a small business in the B2B market Keywords:Brand building, business relationships, SME, B2B. Problem:How does a small business in the B2B market work with brand building and creating relationships? What critical factors can be identified regarding the process of relationship-building and brand building within the context of a small business in the B2B market? Research objective:The purpose of this study is to use existing research to create understanding for how a company in the B2B market is working with relationship-building and brand building. The study also aims to identify any critical factors concerning the process of relationship-building and brand building.

AbstractMaster thesis of one year in Business Administration, Swedish Business School at Örebro university,Marketing, HT 2011.Authors: Grunér, Linus and Malm, Ludwig Tutor:Pia Lindell Title:Brand building and creating relationships ? A study of a small business in the B2B market Keywords:Brand building, business relationships, SME, B2B. Problem:How does a small business in the B2B market work with brand building and creating relationships? What critical factors can be identified regarding the process of relationship-building and brand building within the context of a small business in the B2B market? Research objective:The purpose of this study is to use existing research to create understanding for how a company in the B2B market is working with relationship-building and brand building. The study also aims to identify any critical factors concerning the process of relationship-building and brand building.

The purpose of this master thesis is to present a model that illuminates the important factors when deriving technical information from market data within a company. For companies to be able to become and stay competitive in the market, product quality is an important factor. Whilst good product quality leads to customer satisfaction and loyalty, lack of quality brings costs in service and replacements. To improve product quality, the developers need information and knowledge about what quality issues affect existing products. Most companies gather data from market about known issues, but in order eliminate known quality issues in new products; this data has to be transformed into information and knowledge.

Vänner emellan är ett integrationsfrämjande projekt i Halmstad kommun som riktar sig till nyanlända ungdomar. Verksamheten strävar efter ett mål, där en vänskapsrelation ska skapas mellan nyanlända och etablerade svenskar. Denna relation ska så småningom underlätta de nyanländas situation som ny i Sverige. Integrationsåtgärden ska även vara en möjlighet för dem att träna på det svenska språket, social träning samt få en upplevelse genom ett kulturellt utbyte. Syftet med vår studie är att undersöka deras upplevelser kring integrationsprojektet ?Vänner emellan? med vänskapsrelationer i fokus.Undersökningen baseras på sju kvalitativa intervjuer med: den tidigare projektledaren, den nuvarande projektledaren, en fadder samt fyra nyanlända.

This bachelor essay studies families that have migrated from countries in Europe to Sweden,and their experiences of adapting to new conditions of the Swedish welfare state. Theirexperiences are studied firstly from an institutional point of view, which refers to the family?s experience of adapting family life to Swedish family social policy. Secondly it focuses how the families experience new norms and values connected to Swedish family social policy. The main aim is to seek what problems families migrating to Sweden might be confronted with when adapting to new conditions of the welfare state.

This paper takes it points of departure in a gender equality perspective and the perceived paradox between the governmental labour market policy and family policy. The first policy area has the aim to put people to work, whereas the other introduces a reform, vårdnadsbidraget, that point in the opposite direction. Which are the problem representations within the two policy areas and are the problem representations concordant or contradictive? From a constructivist perspective, langue is closely related to power through defining and ascribing meaning to reality. Drawing on political documents, speeches and articles formulated within the government, this paper analyzes problem representations through the use of discourse analysis and feminist political theory.