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279 Uppsatser om Loan agreements - Sida 14 av 19
Franchising - eller när förälskelsen kommer efter förlovningen: En kvalitativ studie om hur samarbetet mellan franchisegivare och franchisetagare utvecklas över tiden
The aim of this study is to describe how the cooperation between franchisee and franchisor evolves over time. The parties? work responsibilities are explored as an ingredient of the cooperation. Creation of relational aspects is also studied, as well as how adaptation of the concept is handled throughout the partnership. This study takes on an abductive approach and is based on interviews with franchisees of one franchise system, performed at different stages of the respective cooperations.
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.
Etnicitet och demokratisering i dagens Rwanda : En kvalitativ studie om etnicitet och demokratisering i Rwanda
The purpose of this study is to explain if the existence of ethnic groups in Rwanda has complicated its democratization and explain what opportunities Rwanda has to be democratized. To fulfill the purpose of the study, I intend to answer two questions: 1) Does the existence of ethnic groups obstructed democratization in Rwanda? and 2) What opportunities has Rwanda to be democratized? To answer the first research question Dahl's theory of subcultures and democratization is used and to answer the second research question van de Walle's theory of democratization is used in the region of sub-Saharan Africa. Literature used in the study are Dahl's Polyarchy and van de Walle Africa?s range of regimes and Freedom House annual reports.
Utveckling av beslutsstöd för kreditvärdighet
The aim is to develop a new decision-making model for credit-loans. The model will be specific for credit applicants of the OKQ8 bank, becauseit is based on data of earlier applicants of credit from the client (the bank). The final model is, in effect, functional enough to use informationabout a new applicant as input, and predict the outcome to either the good risk group or the bad risk group based on the applicant?s properties.The prediction may then lay the foundation for the decision to grant or deny credit loan.Because of the skewed distribution in the response variable, different sampling techniques are evaluated. These include oversampling with SMOTE, random undersampling and pure oversampling in the form of scalar weighting of the minority class.
EU - ett medel i kampen mot organiserad brottslighet : En fallstudie av hur EU bekämpar organiserad brottslighet i Italien
?During the past few years cooperation between the EU member states has expanded considerably in areas such as justice and homeland affairs. International cooperation in criminal justice has become more important as borders between EU countries has been lifted and because of this, various criminal groups have also had more opportunities to commit crimes cross borders. The Italian mafia groups in particularly have been operating in almost every country in Europe and have exploited the possibilities offered by the EU. The increase of organized crime in Europe has created a demand for EU to step up their actions against the organized crime.The purpose of this essay is to investigate exactly how the significant EU is has been in battling organized crime in Italy.
Kartläggning och effektivisering av ljuddämparflöde
In 2013 a new emission standard for heavy trucks was introduced and hence a number of new parts was brought in to Scania CV AB. This created a need for modifications in the silencers flow. The flow is highly complex involving several suppliers, call off methods and different models of silencers. The aim for this project was to improve the existing silencers flow. The flow, from supplier to assembling, has therefore been mapped.
Medicinska elektroniska tidskrifter hur har forskningsbibliotekariens arbetssätt påverkats?
The aim of this study is to describe how Swedish research librarians feel that their work has been affected by electronic journals. The study focuses on medical electronic journals accessed through consortia agreements via Bibsam, the Royal Librarys Department for National Co-ordination and Development. This thesis includes two main parts: a literature survey and an empirical study. The literature survey shows that since the 1990´s most research libraries are hybrid libraries including both printed and electronic information sources and that librarians tasks to seek and organize information have remained but the tools have changed. Qualitative interviews were performed with four librarians at two university libraries and one university college library on how their work with electronic journals differed from their work with printed journals, which new tasks the electronic journals have brought and which have disappeared and how the librarians professional role has been affected.
Harry Martinson - en tidsresa i lyriken och dess förändringar
The aim of this study is to examine the significance of having a music department at the public library in Enköping, and how the organization of the phonograms is handled. The different areas examined are the reason of the reintroduction of a music department, its budget, its users, the work with selection, the marketing, statistical data concerning loans, the work with classification, indexing, and organization of the phonograms and the future of the music department. The empirical material consists of qualitative interviews with staff connected to the music department at the public library in Enköping. For the theoretical frame, Sanna Taljas discourse analysis of music libraries in Finland is used. Talja presents three discourses which all show different views on what kind of material a music library should contain.
Skriftligt formkrav : det digitala dokumentet
This thesis seeks to investigate how an agreed written form requirement is met in an electronic environment. Swedish Contract law is applied since Sweden lack specific regulation for electronically closed agreements. Since contractual freedom prevails in Swedish law, it is up to the parties themselves to decide if the formal requirements to be applied.In order to assess whether the written requirement is fulfilled in the electronic environment, a purpose-oriented analysis should be made. When the purpose of why a written form requirement applies has been clarified, the analysis continues to assess whether the objective can be achieved with the modern form of communication. The method is called functional equivalence and means that when an electronic media fulfill the same functions as the paper medium so will the electronic medium as a starting point to give the same legal effect as if it were the case of a written paper document.
Web Services - Aspekter på nya affärsmöjligheter
E-business innebär att företag använder
Internetteknologier eller nätverksteknologier för att
skapa större affärsnytta i deras affärsprocesser. För att
kunna genomföra automatiserade affärsprocesser krävs
att de olika system som används är interoperabla, d v s
kan kommunicera och fungera ihop på ett effektivt sätt.
Målet med Web Services är att skapa hög
interoperabilitet, vilket gör denna teknik lämplig för e-business.
Företag kan specialicera sig på att skapa
specifika Web Services. Dessa Web Services kan sedan
vara byggstenar åt andra företags tjänster. Det krävs då
att Web Services kan integreras på ett bra sätt så att de
verkligen bildar en affärsprocess. Därför är även frågor
kring hur integration mellan Web Services ska gå till,
viktigt ur ett e-bussiness perspektiv.
Det vi kommit fram till är att det går att minimera
integrationsproblemen genom att anvä nda de mest
standardiserade protokollen och följa vissa riktlinjer vid
skapandet av Web Services.
Bankernas bedömning av lantbrukskrediter : en jämförelse mellan olika branscher
The agricultural sector has historically seen stable prices and a relatively constant demand for its products. Companies within the sector have generally had few loans and large sums of money tied in assets. The profitability of the companies has on the other hand been low. Together these circumstances have determined the creditors? demands on the companies within the sector and have formed the rules and regulations that exist today.
Skadestånd vid otillbörlig inkassoåtgärd : en rättsdogmatisk respektive rättsekonomisk analys
Towards the end of the 1960s, the credit financed purchase was well established in Sweden. The Swedish households were able to purchase goods, which had been considered unnecessary, or even luxurious, in the past. On the other hand, effective means to handle the increasing amount of debt and potential debtors were introduced; credit rating was registered, trade with insecure claims increased and if debtors could not fulfil their obligations, the creditors often used harsh or undue methods. By introducing Inkassolagen (1974:182), the legislator hoped to regulate the debt recovery process and ensure the fair treatment of debtors. The legislator also introduced liability for damages caused by a creditor in the collection process.
Klädkoder : En studie om regleringen av klädkoder på arbetsplatsen
In today?s society, employees are the businesses face toward the public. By establishing dress codes, companies can control the customers? impression. The purpose of this thesis is to investigate and analyze the existing regulations regarding dress codes in companies.
Miljö- och Handelsgåtan : Intellektuella egendomsrätter och dess implikationer i en globaliserad verklighet
This paper seeks to discern the political factors that determine the results of negotiations in international cooperation. On the one hand, it makes a contribution to the broader theoretical debate on international regimes by combining regime theory and theories on globalisation into an integrated framework for the analysis of international policy results, or in this case treaties (theoretical objective). More generally, globalisation theory will help us understand why it has become important to initiate international cooperation, and regime theory to elucidate how these international cooperations emerge. To many observers, it is the large transnational corporations of the rich North, which have done best out of free trade. Through the huge influence they wield over governments at the WTO (World Trade Organisation), these corporations have won the freedom to move around the globe without restriction, making use of cheap labour, and locating wherever they can best tap into the largest and most lucrative markets.
Dubbel bosättning : Bostadens betydelse vid flytt från Sverige
The Swedish tax on income for persons who are unlimited liable to tax is based on his domicile and double taxation treaties between Sweden and other countries are based on his residence. In order to determine a person?s tax liability, the dwelling or home is of vital importance to determine where a person has his domicile and residence.For a person who has moved from Sweden, to be unlimited tax liable here, there must be an essential link. This link can be through previous residence in Sweden, the person is not a permanent residence in a foreign country, in possession of housing for year-around-use or in possession of house property.Sweden has concluded double tax agreements with other countries for the reason to prevent double taxation on the same income. When a taxpayer may be regarded as a resident in two states, the situation must be resolved to avoid that double taxation will arise.