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862 Uppsatser om Loan loss provision - Sida 20 av 58

Tillbaka till framtiden : Fyra scenarier för EU:s framtid efter eurokrisen

The starting point of this study is theories of European integration, which are used to formulate different scenarios about the future of the European Union. This is made in regards to the eurocrisis which has intensified the discussion about how to change the construction of the euro to overcome the economic difficulties that has arisen. In this study, four different scenarios are presented: "An updated Europe", "A new Europe", "The death of the euro" and "Goodbye Greece". The first two scenarios takes its starting point in the neofunctionalist theory of European integration and describes how the EU might increase its level of integration in different ways. We can either see a development where the EU tries to improve the implementation of the rules that are meant to coordinate the member states? economic policy, or we might encounter a more advanced integration where fiscal policy competences are transferred to the EU-level.The latter scenarios, however, takes another theory in to account, liberal intergovernmentalism, and describes how the eurozone might be fragmented in different ways due to conflicts of interest between lenders and countries that has to receive loan-packages.

Annons eller PR : hur vet kommunikatören vad som skall väljas?

Problem Faith in the power of advertising has varied largely through the ages, and since we know that advertising is paid for, it therefore has less weight than the usual news. Publicity through promotional activities is in turn difficult to control. The question which of these two ways to communicate with the market that is the most effective, is equally entitled to ask, as difficult to answer. Purpose/Aim This paper is designed as a pilot study with two different objectives that go hand in hand. The first overall aim is to investigate how advertising and PR / publicity can be measured with the same tools while designing this metric.

Förekomst & kostnad av kapsprickor i stormaskadad skog

The aim for this study where to investigate the frequency of cutting cracks in saw timber harvested in the storm-damaged forests in regions where the storms Hilde and Ivar hit. The idea for this work came from one of the region?s biggest actors, SCA Skog and Jämtlands district. The purpose where to find out how big proportion of the saw timber that contains cutting cracks, their financial cost in lost wood value and also give advice and suggestions on how to work against the frequency of cutting cracks. For the field-study some guidelines where used to make sure that the samples were taken under the same conditions, they were: ? The field-study must be performed under harvesting of storm-felled forest, which are horizontal/inclined trunks. ? The averaged sized tree will make it possible to harvest saw timber. ? The trunks can?t be root cut. A methodology called in Swedish ?Trissmetoden? was used because it is the most frequent used methodology in earlier performed studies and the only one that can be used I field. Under the field-study data were collected from 570 saw timber logs, 30 logs from each one of the tested harvesters.

Belöningssystem - En studie om butikssäljares preferens av belöningssystem

Titel:                    Belöningssystem - En studie om butikssäljares preferens av belöningssystem Problem:            Belöningssystem, vilket inkluderar lön, är ett styrmedel som uppmuntrar anställdas beteende och utförda arbetsinsatser. Vid utformande av belöningssystem ställs företag inför komplicerade frågor där de måste ta hänsyn till just deras anställda och verksamhetens unika situation. Det finns olika variabler som påverkar en anställds preferens för ett visst belöningssystem. Utan hänsyn till dessa variabler finns en risk att företag tillämpar ett belöningssystem som inte ger maximal nytta. Syfte:                   Ambitionen med denna studie är att beskriva butikssäljares inställning till fast- respektive provisionsbaserat belöningssystem samt om personliga variabler påverkar butikssäljares preferens av ett visst belöningssystem. Metod:                I studien har författarna tillämpat en kvantitativ ansats. För insamling av data utformades en enkät med bundna svarsalternativ vilken grundat det empiriska material som krävts för att genomföra studien.

Åtkomst till affärssystem i mobila enheter - För- och nackdelar

The purpose of this study was to investigate the reason behind thedecision by a company regarding the desire to use mobile access to theirERP-system and to discover whether this will involve any loss offunctionally in comparison to using the ERP-system on a computer atthe office. In addition, the pros and cons involved in using mobiledevices for accessing the ERP-system will also be examined. Semistructured telephone interviews were conducted with companies whicheither used or did not use mobile devices in relation to their work. Atelephone interview was also conducted with a consultant who isworking with the implementation of ERP-systems and mobile solutions.The survey showed that companies with staff working in the field assellers, service personnel and construction workers want to gain directaccess to their ERP-system so as to be able to act directly and takedecisions, to have the ability to provide more efficient order processingand to send out invoices more quickly. Those companies which have notopted to use mobile devices at work within this field are those whichare unsure of the connection to the Internet and the capacities availablewithin cellphones.

Provision - Det optimala lönesystemet? : En studie av provisionens påverkan på mäklare i Umeå

Ungdomsarbetslösheten är ett problem i Sverige och det finns flera unga som uppbär försörjningsstöd. Det har visat sig vara svårt för en del ungdomar att etablera sig på arbetsmarknaden och kommunerna har ett ansvar för skapa arbetsmarknadsåtgärder som kan hjälpa personer att komma ut i arbetslivet. En del unga är mer utsatta än andra vilket gör att de kan vara i behov av ett intensivare stöd. Denna studies syfte är att undersöka vilka komponenter eller händelser i Case management-projektet som haft inverkan för de unga vuxnas livssituation. Projektet som är en arbetsmarknadsåtgärd syftar till att hjälpa ungdomar som har svårigheter med att strukturera upp sin vardag.

Pottaskeframställning och tjärbränning i Femsjö socken från år 1700 till 1900 :

Femsjö is a small parish situated in Hylte municipality, Växjö diocese. The parish has a total area of 8230 ha of which 5000 ha are covered with forest. There have not been any large industries in the parish offering work opportunities for the inhabitants, so they have had to generate income from their land and the forest. Instead of going to the bank to get a bank loan the people of Femsjö parish went out in to the forest and harvested trees for timber and extra cash revenue. Production of pine tar and potash were two other ways that the residents of Femsjö parish could earn extra money for the household in order to keep starvation away.

Påverkar euron resultatet av stabiliseringspolitiken? : En studie av stabiliseringspolitikens utfall i de nordiska länderna sedan eurons tillkomst, och av betydelsen av en nationell penningpolitik.

This paper discusses whether the main argument for European countries to stay out of the euro, i.e. the loss in stability from not having a national monetary policy that can be used for stabilization purposes, is still valid ten years after the introduction of the single currency. We analyse the stabilization performances of four largely comparable Nordic countries that have all chosen different levels of European economic integration. In retrospect, the so-called ?stabilization policy argument? seems surprisingly weak.

Sura Gamla Kyrka : analys av patologiska och skeletala förändringar hos sju individer

Seven individuals from Surahammar in Västmanland Sweden are analyzed for the appearance of pathological and skeletal changes. The graves, all from within the walls of a fourteenth century church, are dated from the Viking age to late eighteenth century. The aim of this scientific essay is to find pathological conditions by doing an osteological analyze, x-ray analysis, an osteoporosis measurement and letting orthopedists assess the individuals. The aim is also to say something about the individuals? general health and how they experience the changes they have in the skeleton.

Det mångspråkiga biblioteket ? en studie av folkbibliotekens arbete med medieförsörjning på andra språk än svenska.

The underlying purpose of this study is to investigate how the libraries in Sweden organize and administrate the service of providing literature in other languages than Swedish. The study focuses on the central guiding principles that regulate the provision of multilingual literature and how these guidelines are implemented in to practice at the libraries. As the guidelines are closely connected to the official discourse in Sweden concerning policies targeted towards immigrants, the guidelines will be examined from a perspective of integration politics. To assemble data a survey has been conducted looking into factors such as how the libraries perceive the guidelines, how the libraries do business intelligence and user inquires to reach out to the users of the multilingual media, forms for statistics and method of working. The results points out that the libraries in their work with multilingual media are confronted with three tensions; the first tension is that between the libraries aim to promote equality and freedom for the individual and at the same time to fulfil certain collective interests and goals.

Deaktivering av metanisering katalysatorer

A titania-supported nickel catalyst was prepared and tested in methanation in order to evaluate its catalytic properties (activity, selectivity and specially, activity loss), and compare it with an alumina-supported nickel catalyst.The titania-supported catalyst did not only show higher stability than alumina, but also presented a different cause of deactivation, carbon formation. In addition, a kinetic model was obtained for the titania-supported catalyst, and a study of the effect of different operating conditions (temperature, composition and partial pressures of synthesis gas and water) on the deactivation rate and carbon formation of this catalyst was performed.

Förslag till förnyelse av en villaträdgård i Limhamn, inspirerat av egnahemsrörelsens trädgårdar :

The population growth in Europe and with that in Sweden was enormous under 18th century. The results became housing shortage in large part of Europe. Tight residency/ inhabited, poverty and emigration were series of social questions in Sweden. Private house (egnahem) as in the beginning was an idea from England and Germany became a political measure and the answer at those miserable social circumstances in Sweden. The purpose with the private house (egnahem) was to help those new people moved in to towns with place to live and counteract movers to towns and emigration. With the governmental loan and land availability that some municipalities and wealthy people contributed with, could people get a place to live with the small garden. The city garden (trädgårdstaden) with their future idealistic idea/utopia, English gardens, ideas with roots in the old-fashioned gardens (allmogeträdgårdar) and lots of books and periodicals were the source of inspirations. From these the private house gardens (egnahemsträdgårdar) were born. Object for my study is my and my family?s own house in Limhamn, south west of Malmö which was built in 1912 under private house gardens era. The garden and the building have still trace and element from the time of private house. My suggestion is inspired by the private home style with a new thinking design that answers to daily need and the busy life style; a rather easy to maintain for green environment. A more relaxing and peaceful garden with simple design, a garden despite that it is surrounded by neighbours and streets invites in harmony and dreams..

Säsongspåverkan i trädgårdsföretag : följder som kan leda till kompetensförlust inom näringen

The purpose of this final thesis is to investigate the effects of seasonal changes in the horticulture industry. In this study this includes mainly garden designers, constructors of gardens and parks and horticultural businesses at Österlen. Today the most important issue,both in private and in public environment, is that the winter occupation in this area is not big enough. The consequence of this issue can result in the loss of competence to other industries if educated personnel has to stay employed only over season. The study is trying to identify and rank factors that are contributing to the problem, and propose solutions that means work opportunities for companies in the horticulture industry as well as for their employees, during twelve months of the year..

Margin of Appreciation : en kulturrelativistisk doktrin?

With the collapse of the Soviet Union and the 9/11 attacks, the landscape of the freedom of religion has changed. The issues now facing freedom of religion varies greatly from the issues that the drafters of the universal declaration of human rights faced after World War II.In the light of the new issues that States face in the intersection of religion and societal interest, scholars have criticized the European Court of Human Rights to give too much leeway to the States in determining how the human rights should be implemented, by using the doctrine of margin of appreciation. Critics of the margin of appreciation claim that it is based on culture relativism and that the doctrine undermines the universality of the human rights. In order to decide if the margin of appreciation has indeed led to a relativization of the human rights I compared it to the jurisprudence of the UN Human Rights Committee and its use of the Syracusa principles. My conclusion is that the jurisprudence of the European Court of Human Rights cannot be considered to be based on culture relativism.

Anhörigas medverkan på särskilt boende

This is a qualitative study that explores the involvement of the relatives in the special housing based on the perspective of fourteen interviewees working in elderly care, at special housing.The purpose of this study is to analyze the nursing staff's view of the involvement of the relatives and the presence of care provision at special housing. The study is to find out what can constitute support or obstacles to the relatives.Three questions have been presented as the structural basis upon which the objective finds its conclusion. These questions try to explore and identify the forms of support that can help relatives in their involvement in elderly care. There are opportunities and obstacles for the involvement of the relatives in the care of the elderly as well as expectations of nursing staff on the role of the relatives in the care of the elderly which the following study focuses on.The research reflected in this study involves the care staff and their experiences and views on the relatives who have their older live permanently in residential care.In conclusion, the study identifies similar reasoning among respondents regarding to key aspects of the relatives at the special housing. They emphasizes that relatives are needed there and they are important resource for both the residents and the staff.The results indicate that there may be both opportunities and obstacles for the involvement of the relatives.

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