This thesis gives an introduction to securitization in general and the tranching of collateralized debt obligations in particular. It does this by using a firm-value model to simulate the underlying portfolio via monte-carlo simulations.The simulations in turn give a loss-distribution from which the various tranchings of the CDO?s are derived. To get an understanding of the influence of different variables involved in the tranching the simulations are repeated several times where the portfolio variables are changed to generate different tranchings. This to give a understanding of the influence different variables have on the tranching and consequently risks involved in CDO?s in particular but also general risks and problems of securitizations..

The aim of the study has been to explore what participation and hope means for persons with disabilities living in an institution called Horizon House, in Stellenbosch South Africa. The aim has also been to discover the South African approach to disability and how Horizon House fits into this approach. Horizon House is an institution and a protective workplace in Stellenbosch for adults whose main impairment is of an intellectual nature but there are also physical and emotional disabilities. Another aim has been to explore the perspectives of the residents. The research questions of the study are: ? What does participation imply for the residents of Horizon House?? What does Hope represent for the residents of Horizon House?? What importance can hope have for people with disabilities, in their approach towards increased participation? We travelled to South Africa during a two week period in March 2009, where we participated at the protective workplace of Horizon House.

Syftet med studien var att undersöka om och i så fall hur personer som har genomgått viktminskning i grupp upplever att de har påverkats av själva gruppen samt söka få förståelse för själva grupprocessen. Metoden som användes var intervju, där fem personer i åldrarna 32- 48 år ingick, en man och fyra kvinnor. Resultatet som framkom var att gruppen har påverkat personerna på olika sätt, till exempel genom bidragandet av motivation och socialt stöd som för många har underlättat deras resa mot en sundare livsstil. Gruppen hade en större inverkan i de fallen där personerna kände varandra och där det öppnades upp för diskussion och reflektion gruppmedlemmarna sinsemellan, något som också bidrog till lärande. Slutsatsen är alltså; Ja, gruppen har en påverkan, men hur pass stor den påverkan är skiljer sig mellan olika grupper och individerna som befinner sig i dem..

Det som är unikt i en akademisk miljö passar inte alltid in i en företagsmiljö. Därför kan det uppstå hinder då teknologier ska kommersialiseras. Syftet med den här uppsatsen är att undersöka hur dessa hinder kan se ut. Med hjälp av en tillämpad 4R-modell har de olika produkter, faciliteter och utrustning, affärsrelationer och organisatoriska enheter som påverkar kommersialiseringen av en teknologi kunnat kartläggas och utifrån detta har hinder identifierats. En fallstudie har genomförts där en teknologi har förflyttats från universitets- till företagsmiljö.

The purpose of this study was to investigate whether social counselling via chat conversations could meet the criteria for a professional conversation, and how the six social workers who were interviewed felt that it had affected the profession and the clients who are seeking their help.Communication, professionality, power, roles and regions are the key topics of this study. A hermeneutic approach has not only influenced the interviews but also the content analysis that was used to encode the results.The interviews revealed that the chat conversations was a successful tool but not entirely without difficulties. The initial contact making between the client and the social worker favours the client, since she/he remains anonymous and that was the main advantage of the method. The biggest concern however was that in the anonymity it is not possible to report cases that the social worker are obligated to. The changing of forum does not necessarily affect the professionality but due to the faceless chat conversation an entire dimension of communication disappears because the loss of body language.

Pipe replacements with bathroom renovations are complex construction projectshighly dependent on the construction work carried out in the residents? homes whilethe residents still live there. This fact makes the flow of information from contractorsto the residents of an important success factor. In the current situation thecontractor, Aros Bygg & Förvaltning AB, notifies the residents? information throughpaper notification, which gives managing the work involves a lot of paper work.This thesis examines whether and to what extent the contractor may replace thepaper notification with a web-based information channel.

Mastitis is the most common disease of dairy cows. Mastitis can be painful for the dairy cow and causes economical losses for the farmer. These losses are due to decreased milk production, more working hours for the farmer, treatment costs and possible costs due to culling of the cow. The udder inflammation, mastitis, is often caused by bacteria infection. One of the most common bacteria found to cause mastitis in Sweden is Staphylococcus aureus (S.

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.

Går det att köpa en fastighet utan att bli lurad? Under flera år har mäklare florerat i media och deras etik och moral har ifrågasatts. Intresset för hur etik och moral egentligen ser ut vid fastighetsförmedling väcktes och vi ville veta om kritiken var befogad. För att få svar gjorde vi en kvalitativ ansats och intervjuade tre olika instanser. Dessa bestod av Fastighetsbyrån, Mäklarsamfundet och ARN.

Purpose: To examine how a tour operator works to implement sustainability in the development of the business, as well as what significance it has to consumers in selecting a tour operator. Furthermore, the purpose is to provide recommendations on how tour operators should work to communicate their commitments.Methodology: The research strategy applied is a case study which follows an abductive approach. Qualitative and quantitative methods were applied to complement each other. A semi-structured interview with a tour operator and a consumer survey constitute the empirical foundation.Conclusion: The conclusion of the study is that consumers show a positive attitude towards CSR, but do not see it as a determinant when choosing a tour operator. Thus, CSR does not constitute a competitive advantage against competitors.

Introduction:A good work environment and good resources among district nurses? and general nurses? are important in the provision of good nursing care. For patient security it is also very important that resources and time are used in an appropriate way. A lot of time is spent on non-core activity, for example administration takes more and more time, which can result in feelings of stress.Aim:The aim was to describe how district nurses? and nurses? in primary care perceived their work environment, how their worktime content was distributed and if there was some connection between perceived work environment and the distribution of work time.Methods:A mapping of the content of the work was made in two parts.

The aim of this study has been to, through a couple of chosen theories, examine in what way and for what purposes Japan has used its international aid system, How can the nation have been said to have implemented and acted in lines with the philosophies and principles set forth in the ODA declaration. What approaches, concerning positive and negative aid sanctions in the matters of aid to Cambodia and Burma, have been chosen and what have the motives for these choices been. What have been the determining factors of the outcome related to these sanctions - economic, political and/or matters of identity? I have found that a concern for possible decrease in economic profit and investment related areas, combined with a feared loss of political prestige and worsened diplomatic relations to the neighbouring countries in the Asian society, have come to overtrump the notion of advocating democracy, human rights, environmental and anti-militaristic issues..

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.

AbstractIn November 2011 the Swedish Government announced that they were conducting an investigation to examine what impact the conversion of existing rental stock to condominiums could have on the development of the Million programme areas. The proposal of converting rental stocks to condominiums aims to help people living in these neighbourhoods to private ownership, while still allowing people who want to continue to rent their homes to do that. This thesis intends to investigate the effects of the proposed reform from a management perspective. The maintenance of the areas built during the Million Programme gets more neglected every year that passes. The majority of the housing stock is rental properties and extensive renovation of the surface layer, tribes and public spaces are essential in all Million programme areas studied. By transforming a portion of the housing stock into condominiums and by improve the living environment through renovations, these areas would be able to gets more attractive.

In this investigation has an attempt to find out whether so called transplanting shock depends on the moving and transplanting of trees, to other conditions, or if it is due to the imbalance between the root to shoot ratio. Seventy trees of Prunus avium have been part of the investigation and these trees have been divided into four different groups depending on methods of production, untouched on the field, trees still on the field but with root pruning, trees moved and planted into Root-Control-Bag, trees moved and planted into Spring-rings. To be able to answer the question, measurements of the length of the terminal shoots and the lateral shoots and the dimension of the stem growth have been done and also has a visual judgment of the trees vitality been performed. The result shows that it is not only the move of the trees that gives them transplanting shock, but rather the loss of roots which gives an imbalance between the root and crown..