Aim: The purpose of this work is to investigate what differences there are between a credit union that is connected to Sweden?s Credit Association and an independent association, and how these differences have affected the union?s success. Method: A qualitative study has been made by means of email and telephone interviews. Respondents were chosen from Sweden?s Credit Association, Credit Guarantee Association in Gävleborg and Övre Norrland Guarantee Association. The interviews were then analyzed in the light of our theoretical studies. Result and conclusions: We have found that there are three major differences between the unions.

The aim of this thesis is to create an understanding of the incentives for forest companies to invest in reducing carbon dioxide emissions from deforestation and forest degradation, which is termed REDD. The Brazilian Amazonas was chosen as the base for the investment case. Brazil has the largest area of rainforest in the world, and also the biggest problem with deforestation. The Amazon region of Brazil comprises rainforest which is largely intact and unexploited. Accordingly, there is significant potential scope for prospective investments in a REDD-project, and so have a noteworthy impact in preventing deforestation.The research approach used the United Nation?s Clean Development Mechanism concept was used as a framework for ascertaining the investment costs in potential REDD-projects.

The numbers of natural disasters caused by extreme weather are increasing through out the world. A large majority of the research concerning the climate shows that this is a trend that can be expected to continue. At the same time the urbanisation is increasing more than ever and for the first time in history more than fifty percent of the population lives in a city. How we build these cities will have a crucial importance for our adaption to the new climate. In Sweden, our capacity for an adaption are high because of our economic situation as well as our rather well built society.

Sedan mitten av 1980-talet pågår en debatt i Sverige om sambandet mellan redovisning och beskattning. 1995 kom SOU med ett förslag kring detta och 1998 kom RSV med ytterligare ett förslag. Förslagen innebär en frikoppling mellan redovisning och beskattning. Områden som frikopplas är exempelvis bokslutsdispositioner, obeskattade reserver, inventarier och maskiner. Mitt syfte med uppsatsen var framförallt att förklara hur förslagen påverkar ett medelstort företag.

Purpose: This study aims to investigate the conditions that prevail when companies put their marketing in social media with the purpose of creating a perception of the risks and opportunities it brings to businesses and ultimately how it may affect the corporate image and identity.Theories: The basis of the problem area are presented through a theoretical framework with the purpose of highlighting the notions of social media, communi- cation, marketing communication, groundswell, corporate identity and image.Methodology: To investigate the research questions this study adopted a qualitative approach in which the authors study the properties of a phenomenon in order to seek a deeper understanding of the problems we have presented. There is an exploratory approach to knowledge and the authors have chosen to conduct qualitative research interviews based upon three themes: driving forces, challenges and impacts.Conclusion: The study revealed that traditional models of communication are no longer applicable in social media. Companies are up for a challenge and must clarify their sole purpose when establishing communication in the social landscape. The general motivation for marketing in social media is making profit, however, building relationships is not a natural motive for most companies. The risks companies expe- rience is the exposure caused by social media and the study also reveals that this fear is firmly attached to their lack of knowledge of these new channels of communicat- ion and their primary areas of use which indicates that skilled employees plays a vi- tal role with their use of social media in their communication process.

This thesis is a case study with a qualitative approach. The company examined is The Astonishing Tribe (TAT) making user interfaces for mobile phones. The company has had a growth of 1453% from 2002 until 2006. We have examined what are the key factors for keeping innovation while growing. The most significant factor not supporting innovation within the case company is the will to take calculated risks.

Public WiFi networks is one of the dominant technologies for users to get public internet access. The problem is that the networks are designed for accessability rather than security ? a problem users seldom are aware of. Users who carelessly access WiFi networks may reveal sensitive information which, among other things, can lead to an identity theft. Previous research suggests that users must be educated and informed about the risks they incur, but not how this should be done.

This study presents a survey of the capital budgeting methods used in investment decisions by selected Swedish firms. The study has a qualitative approach where the main goal is to increase the understanding of why firms use ?incorrect? capital budgeting methods like the payback method despite the well known fact that it is one of the most faulty methods, according to literature in business finance (Brealey. Myers). The study has specially researched the impact of company?s size, investments size, ownership structure, branch traditions and political risks influence on firms capital budgeting..

Bakgrund: Kompetensbeskrivning för legitimerad sjuksköterska beskriver att det är sjuksköterskans ansvar att ge patienten en god och säker vård ur ett etiskt perspektiv samt genom beprövad erfarenhet. Patientnärmre vård är ett arbetssätt som sätter patienten och dennes problem och behov i centrum. Omvårdnadens kvalitet ökar och ger en snabbare rehabiliteringstid för patienten. Syfte: Att granska vad den patientnära tiden innebär för sjuksköterskan och se vad den innehåller. Hur mycket tid, totalt, läggs ner på patientnära tid under ett dagspass? Metod: Empirisk, strukturerad icke deltagande observationsstudie med kvantitativ och kvalitativ ansats.

Obesity is the most common nutritional disorder, and is defined as an accumulation of excessive amounts of adipose tissue in the body. Obesity is a condition where an animal exceeds its optimum body weight by more than 10-25%. Risk factors associated with obesity may include breed, age, castration or high energy intake relative to energy consumption. The consequences of obesity are believed to be metabolic and hormonal changes, as well as cardiovascular and respiratory diseases, orthopedic problems, tumors and premature death. Prevention and early detection of obesity leads to better health care.

This essay is about the risks of reporting science through media. We have exemplified the problems with the alarm about acryl amide that came in 2002 through the diffusionist model. From the beginning it was a debate about how dangerous acryl amide is to us humans, but later on it developed to be a debate about whoever did wrong in the intermediation, because later on it came out that acryl amide maybe didn?t cause cancer at all and the scientists didn?t know how to prove if it did or didn?t. In our essay we have based our theories about how the diffiusionist model often is inadequate, with theorists as Stuart Allan, Anders Ekström and Dorothy Nelkin..

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..

A student at the Technical University in Jönköping was given an assignment from Falköping municipality. The assignment was to evaluate their IT systems 'users' awareness of information security and even present suggestions for IT-Users to improve their information security within Falköping municipality.Falköping municipality consists today of seven administrations. The target groups for the study of the information security are a pilot group consisting of 30 IT Users and four different managers from various administrations within Falköping Municipality.The purpose of this work is mainly to indicate an understanding of the importance of the information security knowledge among IT Users in Falkopings municipality, mainly those who use their smartphones and tablets for work-related activities.This work aims to answer the following questions:? How wide is the awareness of information security among municipality's IT users?? How can information security improve among the municipality's IT users?Theories that work consists of are mainly what information security is, how it is handled and the threats and risks that may create problems for the municipality, basically when IT Users use their smart phones and tablets.The Work Implementation started with sending surveys to a pilot group of IT- system users and the student even interviewed four general managers working in Falköpings municipality. Both the questionnaires results and interviews results are presented in diagram and text.The result from both surveys and interviews was very positive and it shows that the municipality investigated IT-Users are very aware and have knowledge about information security, when they use their smart phones and tablets.

Studiens syfte är att undersöka kunders attityder till kundklubbar och dess effekter i den lojalitetsbaserade relationen med företaget. Uppsatsen innefattar även att undersöka ett antal utvalda företags syn på lojalitetsprogram och kundklubbar. Studien innehåller en kvalitativ metod, där djupintervjuer har genomförts med 24 kundklubbsmedlemmar och två företagsrepresentanter. Dessa intervjuer har fångat attityder och beteenden och ligger till grund för vår bedömning av kundklubbars potential att skapa relationer och lojalite. Vi har kommit fram till att kundklubbar har en påverkan på medlemmarnas köpbeteende eftersom de föredrar att i första hand besöka medlemsbutikerna.

Goods that children come in contact with on a daily basis for example toys, electronics, textiles, household items, have attracted an increased attention in recent years because of a common occurrence of residues of potentially hazardous chemical substances. Some municipalities in Stockholm have developed plans for managing chemical risks and work systematically to phase out products containing hazardous substances. This thesis aims to contribute to an improved knowledge base for any future work with non-toxic nursery schools in Haninge. The study's focus is on the challenges encountered by conditions and problems of preschool personnel to manage chemical risks in early childhood environments. Primary data was collected through a qualitative approach based on semi-structured interviews with both the preschool staff and practitioners working in the central organization of the municipality.