Title: The mortgage limitation and its impact on the mortgage marketLevel: Final assignment for Bachelor Degree in Business AdministrationAuthor: Mattias Arnkvist and Magnus Vitasp PerssonSupervisor: Lars SteinerDate: 2011 ? MayAim: We have conducted this report to find out what effect the mortgage limitation has had on the mortgage market since its introduction in autumn 2010. The mortgage limitation has both before and after the introduction been a topic of discussion as it affects many and above all makes it diffucult for certain customer groups.Method: This report was written by a qualitative method. The report uses qualitative and quantitative data. The quantitative data we have in the report are printed literature in books, articles and journals as well as data taken from Internet.

This essay reviews the situation for real estate agencies within the Stockholm area. In this essay we assume that costumer loyalty is a requirement for survival on the competitive estate market. Two actors have been compared; A well known national Internet-based agency, Skandia Mäklarna, and a smaller local traditional agent Mäklarfirman Grönberg. These actors have been analyzed up on theories on loyalty, relationship marketing, service marketing, quality and involvement .The conclusion of the essay is that it is possible for small estate agencies to compeed with larger Internet based agencies by building loyal relationships with their customers. This can be achieved if the right strategic decisions are made.

The purpose of this thesis is to create a greater understanding of relationships and networks on regulated markets. This includes what the climate are like on such a market and how different aspects within relationships and networks are affected by regulations. By the use of a deductive approach, a qualitative study was performed. This was carried out by interviewing different actors on the Swedish market of alcoholicbeverages. The theoretical framework includes relationship quality, consisting of power and dependence, cooperation,adaptation and trust.

The background of this study stemmed from the notion that the majority of homeless women with substance abuse, most of all, wanted a secured place of their own to stay. Few involved professionals agreed and instead of perceiving housing as a human right the women were mostly offered various types of short-term social housing. The purpose of this study was thus to examine and analyze how professionals attached to the social services and public housing companies in Gothenburg explained that homeless women with substance abuse were excluded from accommodation on the open housing market. The qualitative approach included ten interviews with eleven professionals in Gothenburg. The theoretical framework consisted mainly of Bourdieu's analytical concepts of field, doxa as well as social, economic and cultural, alongside symbolic capital.

Internet has opened a whole new world when it comes to marketing. Because of this companies can reach out to a broader consumer audience. The idea to write this essay came to mind, when we were asked to design the website of a new registered company named Artoteket. The company?s purpose is to hire out and market art on the Internet to bigger companies such as banks, law firms and industrial company?s etc.

The shareholder is supposed to be indifferent if one share costs 100 SEK, or 10 shares cost 10 SEK each. In an efficient market, shares should be valued directly to new expectations as a result of the announcement of the reverse split. We investigate whether abnormal returns incur surrounding reverse split and if owner structure change.One reason for the reverse share split is that most companies have plans to imple-ment other company?s specific events in order to survive rather than to change the price range to a more attractive level. We found a negative return in the ex-day at 8,1 per cent.

The Swedish stock-market gives investors an opportunity to benefit from the global growth while financing companies invests and contributes to a socio-economic development. Parallel to the ownership of the funds also follows a responsibility as companies in the funds affect society and the environment. The growth of savings in funds, combined with an increased focus on sustainability has developed SRI (socially responsible investment). Therefore it is interesting to examine whether responsibility is an exception, which only concerns SRI-funds or a general principle, which includes the whole Swedish stock-market.The results of the survey makes it clear that all the Swedish major banks actively works to integrate sustainability within the respective bank's business to achieve a more sustainable financial system. Thus concludes the investigation that responsible investments are a general principle on the Swedish mutual stock-market.How responsibility is integrated in fund management differ between the banks.

The globalization of today?s society has enabled consumers to acquire products and services from all over the world. Global organizations have the entire world as a playfield and offer products and services across markets. Regardless perception and transparency of the global market, consumers are still individuals. Consumers may have different perceptions and ideas about products, their functions and usage.

Problem: Is the free cash flow a value relevant accounting measure in relation to the Swedish stock market?Objective: The aim is that by using an investment strategy to examine whether the free cash flow is an accounting measure that could be perceived as value relevant in relation to the Swedish stock market.Method: The paper is based on a quantitative survey of empirical evidence that has been collected from companies listed on the Large and Mid-Cap lists of the Swedish stock market.Theoretical Frame of reference: value relevance, cash flow, portfolio theory, drive theoryResults: It was concluded that the study results conform to the Finnish survey results. The portfolio shows higher returns than the OMX index..

To succeed, a word that can be interpreted in many different ways. In this thesis the authorshave highlighted the word succeed with success. There has been a case study of twocompanies, which managed to penetrate a competitive market which is still under expansion.These brands are popular and maintain a high standard. Boomerang and Vagabond are twoSwedish companies which not only managed to penetrate the Swedish market, but also aninternational market. These are two Swedish companies which started from scratch as anyother company.

The retail sector is in a continuous development. What demand looks like and where the consumers want to shop has changed during the last years. Market place, demand, supply, external factors and politics affect how the retail sector develops. To make a market place attractive a variety of factors have to be considered.In Hong Kong a model called Rail & Property is used, this means that the development of the subway is integrated with the development of the city. The model is both successful and economically sustainable.Today the supply of shops and services in Stockholm´s subway stations is rather small.

The flexibility of the labour market is considered as an instrument for increasing economic growth.Therefore has the use of flexible employment, also called atypical employment, increased. The atypical employment is characterized by insecurity in comparison with a traditional permanent full- time employment. One of the most common atypical employments is the manning employment, which is insecure whether it is permanent or not. The insecurity in the industry is based on insecure income, unpredictable working hours and poor psychosocial work environment.In order to encourage a continued increase of flexibility in the labour market while the need for security for staffing employees would be satisfied was Directive 2008:104 adopted. A certain amount of security has been achieved.

Abstract In general, language is the key to the community, to self-sufficiency and independence. Being able to speak the Swedish language is a part of the community integration. Integration also has a practical aspect that includes everyday life and affects one's opportunities in the labor market. Therefore, we have selected in this paper to focus on the language and integration but inevitably we will also discuss the education you need on the labor market. The purpose of this study is to describe how the staffs at the Language Café Nobel works for an increased integration in Malmo, and examine the significance of Language Café Nobel have for their participants.

The challenges facing low voltage grids are rising as an increasing number of domestic houses transition from fossil fueled heating to electricity based heating. Several environmental goals and visions have the same transition from fossil based power to electricity based power in mind for the transportation sector. One of the most important tools for this transformation is widely regarded to be the electric vehicle. With the demands of the electric vehicle pressuring the power grid, several questions arise regarding the growth of the electric vehicle market and what repercussions it may have on the grid. This paper focuses on a typical low voltage grid in southern Sweden and what effects a growing electric vehicle market may have on it. Through computer-assisted simulations based on several future scenarios regarding the EV market, this paper finds that few modifications and reinforcements are needed on this particular grid within the next 10 to 15 years.

Today automotive manufacturers are facing a crisis with increased pressure to strengthen their brands. To prevent declining results many automakers have chosen to extend its brand to other industries i.e. various forms of brand extensions. Automotive manufacturers have developed an international strategy for what merchandise to offer. The strategy has received an overall positive response, however, it does not apply well within the Swedish market where merchandise is sold in less quantity than abroad.