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862 Uppsatser om Loan loss provision - Sida 13 av 58

Hållbar utveckling i Kungsängen : ett gestaltningsarbete med fokus på folkhälsa, biologisk mångfald och ekologisk dagvattenhantering

Tail-biting in pigs is an animal welfare issue and in Sweden during 2002 the producers lost tree million Swedish crowns because of tail biting. This economic loss depends on the pigs which are discarded at slaughter because of tail biting. Tail biting can be separated into two stages, "pre-injury" and "injury". The aim of this study is to investigate if tail biting depends on environment or genetic background.A lot of research on the environments effects on the behaviour of pigs but not so much on the genetic effects has been performed. The frequency of tail biting in pig farms influence among others of environment enrichment, ventilation, gender and breed of the pig.

Mångspråk på bibliotek : En studie av fem folkbibliotek i Norrbotten

The purpose of this study is to investigate how public libraries in Norrbotten provide multilingual media and how the commitment is legitimized. In January 2014 there was a change to the guidelines for the International Library?s service for providing multilingual media. The responsibility for the provision of this service was also changed. The result shows there has been different ways of implementing the guidelines in practice; this has led to inequalities in the local library service.We have assembled data through qualitative interviews with five different public libraries in the north of Sweden.

Styrmedel för att hantera kreditrisk: En fallstudie av Handelsbanken Sergel

The Swedish bank Handelsbanken has, according to their own way of measuring, been more successful than a weighted average of their competitors during the last 38 years. They have also handled the recent financial crisis, as well as the one in the 1990´s, better than most other banks. This paper studies their management control system at branch level in order to identify the controls which have been enforced to ensure that a low risk level is retained in the lending. The controls that have been identified are; (1) A decentralized organization with the offices as profit centers where the manager has restrictions regarding risk level and the results are measured as K/I (cost/revenue). (2) The absence of bonuses and individual follow-up regarding performance measurement.

Enterprise Voice Simulation (EVS) för mobila enheter i BYOD miljö.

Denna rapport introducerar Umeå universitets bakgrund till införandet av Lync Server 2013 som etablerades stabilt år 2014. Det trådlösa nätverket vid Umeå universitet trafikeras av studenter och anställda med mobila enheter som smartphones och laptops. Vid användandet av mobila enheter stiger flödesströmningen I det trådlösa nätverket med olika typer av trafiker. I denna rapport omfattas närmare ?Voice UDP? och ?Lync Enterprise Voice? med fokus på trängselkontroller vid överföringar av RTP-trafik mellan mobila klienter och 802.11 för att identifiera kvalitén i Lync-samtal, ?VoIP over WLAN?.

Kvinnors upplevelser av förändrad kroppsuppfatting och sexualitet efter mastektomi : En litteraturstudie

Breast cancer is the most common form of cancer affecting women. The treatment of breast cancer may lead to forcing the woman to remove her breast. The breast is a symbol of femininity and sexuality for many women. The purpose of this literature-based study is to describe women's experiences of altered body image and sexuality after mastectomy. This may provide a better understanding of the nurse in responding to these breast cancer patients.

Melankoli och ironi : Strategier för hållbar utveckling

The purpose of this study is to show what melancholy and irony in my poems express and what techniques that are used to accomplish these effects. Many theorists, among them Sigmund Freud and Julia Kristeva, characterize melancholy as an experience of loss, and therefore one of my questions is what kind of losses appear in my poetry. In search for an answer I analyze the texts from both a psychoanalytic and a sociological point of view. In the latter perspective I discuss the postmodern society using concepts from contemporary thinkers like Zygmunt Bauman, Fredric Jameson and Jean Baudrillard. Finally, I also examine if melancholy has an influence on the form of the poems.

Utveckling av produktionslina

The company is currently in a stage of improvement and has therefore taken the help of students at School of Engineering, Jonkoping University. The current production is batch, production layout is fixed. A bottleneck is created after the first station which leads to large efficiency loss.  The meaning of this report was to provide a layout suggestion with balanced workstations to a new production line. The conditions were that the production line would be one-way, driven by customers order and meet a demand of 40 products per week.

När en förälder dör : En studie av tre fiktiva tonåringars identitetsutveckling och coping vid förlust av en förälder

The purpose of this study is to examine how the identity of teenagers is affected by the loss of a parent as well as what coping strategies support identity development. The reactions the teenagers exhibit, in such circumstances, will also be examined. To accomplish this,  a theory package was created, comprising theories in developmental psychology, identity work, coping and theory of grief reactions of children and teenagers. This package provided a broad perspective, which facilitated the analysis. Furthermore, it made it easier to address the purpose and the issue of the analysis.

När pappa tog sitt liv : En narrativ studie av fyra unga kvinnors berättelser om erfarenheten av att under tonåren ha förlorat sin pappa i självmord

Grief research generally demonstrates that children and teenagers who have lost a parent in suiciderisk developing severe psychological and physical morbidity, as well as social disabilities, in adultlife as a result of traumatic aspects of the death and complicated grief reactions. The youngbereaved also run a highly increased risk of developing suicidal behaviour or to commit suicidethemselves. Despite these alarming reports, the research field is poorly explored and studies thattake an interest in the long-term consequences and the subjective experiences of the bereavedyoungsters are lacking. A qualitative study using narrative methods has been carried out toexamine the experiences of four young women, who during adolescence lost a father in suicide.The study specifically focuses on the grief process, the short- and long-term consequences, and theneed for social support in relation to family, extended network and society. The study reveals thatthe women?s traumatic loss has shattered their basic assumptions about the world as a safe andmeaningful place.

Behovet av eget kapital vid köp av jordbruksfastighet :

My purpose with this study was to find out if it is possible to buy a farm today for a person who want to start a farm but has very little own capital. In old study?s they have come to the conclusion that you will need at least 20 % own capital to succeed to management the farm. But in the last year the cost for arable land approxley has increased with 30 % in Sweden and the crops have doubled in price. So it would be interesting to see if the banks have a new vision on the need of the own capital when you buy a farm. I have chosen two different farms who was for sale in Östergötland, one dairy farm and the other farm was a plant farm.

Beteende inför lek hos odlad respektive vild lax (Salmo salar L.) i Klarälven

In many regulated rivers, authorities have stocked hatchery salmon to compensate for loss of wild populations. However, hatchery fish have not always behaved as wild fish do, and stocking them has not always fully compensated for the loss of wild fish. The purpose of this study was to compare swimming behaviour in the river before spawning, the choice of spawning areas and body size between wild and hatchery-reared salmon in the river Klarälven. Salmon behaviour in the river before spawning was analyzed using radio telemetry. The salmon were caught at Forshaga power plant, radio-tagged and returned to Klarälven at Ekshärad, 107 km from the river?s mouth.

Den svenska lapphunden - en ras i behov av förändring?

Many pedigree dogs are suffering from inherited diseases or personality disorders caused by selective breeding. The Swedish lapphund is a breed that has been suffering from some loss of genetic variation due to the heavy use of only a few males. Concerns have arisen and crossbreeding has been discussed as a way to manage gene loss. Four breeds has been taken into consideration for this purpose; schipperke, finish lapphund, Norwegian buhund and Norwegian elkhound, black. These breeds has been tested theoretical by a comparison of mentality and health.

Ammoniakförluster vid flytgödselhantering : myllning och surgörning som metoder för att minska avgång vid spridning

The ammonia emissions are an environmental issue since they contribute to eutrophication. By far the largest source of ammonia emissions is manure from agriculture and should therefore be reduced. Loss of ammonia is not only negative for the environment but also to the farmer who loses nitrogen that could have been used by the crop. The focus of this study has been emissions from spreading slurry where the loss can vary widely depending on slurry-, soil-, and weather conditions. There are mainly two different ways to reduce the emissions. One is to inject or mix the slurry into the ground to avoid air contact. The other way is to use acid to reduce the pH in the slurry to a level between 5 and 6 where the equilibrium is so strongly pushed to NH4+ that hardly any NH3 can be lost.

Pengar är inte allt, eller? : En kvalitativ studie om vad som motiverar en fastighetsmäklare.

Denna uppsats handlar om vilka faktorer som kan motivera en fastighetsmäklare till att arbeta. Under de senaste tio åren har det skett en markant ökning av registrerade fastighetsmäklare i Sverige enligt Fastighetsmäklarnämnden (2011). Denna markanta ökning leder även till hårdare konkurrens om jobben och även om kunderna (Wörmann, 2007). Eftersom majoriteten av alla fastighetsmäklare arbetar utefter löneformen provision kan den ökade konkurrensen om jobben och kunderna vara ett problem. Får en fastighetsmäklare inte tillräckligt många kunder kan lönen bli lidande.


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