Banks have been some of the biggest operators on the market of business customers financing. When the Swedish Förmånsrättslagen was changed 2004 the banks became more restrictive to allow traditional bank loans. The change made it more difficult for customers to get their loans granted. For that reason customers had to find other forms of financing. Factoring is an alternative that means companies can mortage/sell their claim on customers to finance companies.

The purpose of this study was to investigate how the daily press, morning and evening papers respectively, describe homeless people and their situation from a number of chosen articles. Was there a possibility to make clear if the public opinion of homelessness has changed from a media perspective during the last five years? In order to meet the purpose of the study, the authors have used discourse analysis of the chosen articles as well as the theory of social constructions and the theory of stigmatizing. The articles have been chosen from the two largest daily morning papers and the two largest evening papers. From each article many rich and close quotations are used, which subsequently have been analysed and interpreted.

This study aims to map out the degree of mediatization present in the communication between Swedishpublic service journalists and politicians in the 2014 election campaign. In doing so we chose to look at thepresence of media logic in their communication with each other. Specifically, we have used the pre-electioninterviews with the party leaders from Sweden?s two biggest parties. Furthermore, we have chosen to focuson Sveriges Radio, the Swedish public service radio company.Sveriges Radio concists of four different radio channels, of which we have chosen to focus on the channelsP1 and P3, the first having a somewhat more ?serious? profile, focused on producing quality news and otherjournalistic products, while P3 is leaning towards a younger audience and describes its own work as ?soft,humorous and important radio?, mixed with music and other forms of entertainment.

ABSTRACTTitle: Basel II ? The New Basel Capital Accord and its influence on small Swedish banks and their retail banking and risk management.Seminar: May 24th, 2007Course: FEK318 Bachelor thesis in Business Administration, 10 Swedish creditsAuthors: Mattias Kjellberg, David Uhlmann & Ivana ZubacAdvisor: Joakim WinborgKeywords: Capital cover, capital requirements, Basel II, credit giving, credit risk, risk management, retail banking, small banks, pillar 2Problem: What influence does Basel II and the new updated management of credit risks in pillar 1 and the active risk control in pillar 2 have on small Swedish banks retail banking?Purpose: Our essay seeks to explore what influence pillar 1 and the new updated management of credit risks in the new capital accord Basel II have on small Swedish banks and what influence pillar 2 have. We also want to explain if Basel II has influences on small Swedish banks credit analysis and possible effects in their risk management and pricing.Methodology: In our essay we use an inductive approach and our chosen research method is the qualitative one. We have chosen to look into four small Swedish banks, and the empirical data is obtained from telephone interviews with selected respondents from Länsförsäkringar Bank, SkandiaBanken, GE Money Bank and ICA Banken.Conclusions:? The work with credit scoring does not get influenced by Basel II if the Standardised Approach is chosen.? Banks that?ve early implemented high technological systems in the organization, that small banks normally do, have gotten an easier transition to Basel II.? Basel II will result in a risk adjusted pricing and a more fair credit market.? Internal Ratings-based Approaches is very demanding to develop, but at the same time it?s a more risk sensitive approach.? Pillar 2 results in a more sophisticated work for the small banks.? Basel II results in a further price press on residential loans in Sweden..

The purpose of this essay is to study the two cases ?The hijacking of a bus in Årdal? & ?The double murder in Ljungsbro? from media ethics aspects.  The aim for this study is to clear up if the the Swedish newspapers have reported according to the mediaethic rules and to see if there is any differences between the newspapers reporting. The following theories has been used to reach the objective: the journalism task, news values, the liberty of press and speach, media ethical rules and discursive discrimination. The study has used a critical discourse method formed by Teun a. van Dijk to analyse the material, mainly through macro- and microstructures.

The purpose of this essay is to study the two cases ?The hijacking of a bus in Årdal? & ?The double murder in Ljungsbro? from media ethics aspects.  The aim for this study is to clear up if the the Swedish newspapers have reported according to the mediaethic rules and to see if there is any differences between the newspapers reporting. The following theories has been used to reach the objective: the journalism task, news values, the liberty of press and speach, media ethical rules and discursive discrimination. The study has used a critical discourse method formed by Teun a. van Dijk to analyse the material, mainly through macro- and microstructures.

During the timber floating era, most of Sweden?s watercourses were altered. This decreased the amount of available spawning habitats for salmonids, and hence had a negative effect on the riverine brown trout (Salmo trutta) populations. Reconstruction of spawning grounds is today a common measure in restoration of altered streams in Sweden. However, very little evaluation of the effectiveness of these reconstructed spawning grounds exists.

AbstractIn this thesis I will discuss the relationship between the European Union and the regions of Europe. The development of the European Union has meant that many decisions are taken in Bruxelles. Many actors participate in the policyprocess ranging from national goverment to policynetworks of different kinds. An emerging actor has been the regions of Europe. Their influence on the policyprocess have grown and today almost all of them are represented in Bruxelles through Region Offices.

On the 11th of march 2006, the journal Landskrona Posten began an article series with the ambition to review the juvenile gangs in the city of Landskrona. The articles received heavy response from the readers. About six months later Landskrona was the centre of attention in the Swedish media. 22,3 percent of the city's population had voted for the nationalist party ?Sverigedemokraterna? in the municipal election.

Background: The background shows that since the consumption patterns constantly are changing and the Internet usage is growing it creates more opportunities for the companies to interact through new media. There are two ways to go for companies that intend to use social media as a marketing strategy, to be in the possession of their own information or get help from a third party.Problem definition: What factors are important in the long term survival of the companies when choosing a social media?Objective: The objective of this essay is to analyze and evaluate the personal blog and the company blog as an information technology strategy.Method: The essay will have a hermeneutic and quantitative approach in the form of a survey. Theories: Consumer Behavior, The Buying Decision Process, Involvement Theory, Business Concept, Branding, Total Communication Theory, Word-of-mouth/web and Service Profit Chain.Empiric: The empiric will consist of the results from the survey.Results: The result shows that the blog is effective as an information technology strategy however the companies should adapt their choice of blog to the products that they sell.Conclusion: Important factors for companies that seek long-term survival are involvement, communication and loyalty. It is also important to use a relationship marketing approach. .

This study was conducted by using a qualitative textual analysis on UNICEF Sweden?s website with the purpose of problematizing the role of UNICEF Sweden in today?s globalised society. This was done in the context of how organisations of civil society have gained influence. Following questions were answered: How does UNICEF Sweden legitimise its operation? Which strategies does UNICEF Sweden use to encourage involvement and donations?The study shows how UNICEF Sweden legitimises its work by promoting a unique influence, their unique methods of work and by showing how the organisation helps the most disadvantaged children.

Each December thousands of Swedish families sit down to watch the annual "Christmas calendar", a series containing 24 episodes. Since the start in 1960, the Swedish public service television company, Sveriges Television, have broadcast a Christmas calendar every year, and is now seen as a firm tradition, attracting audiences of all ages, though the main audience is children. Research has shown that children?s television programs to a certain extent have the same function as news journalism has in agenda setting. Media, together with feedback and interaction with other individuals, plays a big role in the process of socialization.

Abstract:According to the curriculum of the Swedish school the pupils should develop their historical consciousness. The aim of this study was to find out which pupils develop this consciousness by listing to an historical novel, talking about that book and writing stories. The study went on for four weeks and the subject of the teaching was the Middle Ages. 28 pupils took part and a variety of methods were used: 1: questionnaire about the lives of the pupils, 2: Making observations of their attitude to the teaching and 3: story writing. The results show that the social background does not influence the development of an historical consciousness.

The purpose of this study is to highlight the existence ofpersonalization within Swedish political parties along withhow the parties work with this phenomena in order to achievemore voters.The method used is personal interviews with politiciansfrom four different government parties. As a complement, interviews with a political expert was also made. All parties use personalization in different ways as a strategy tocreate dialogues and relationships with both media and voters. We distinguished two sorts of personalization: individualization and privatization, and discovered that not all parties use both..

Several studies shows that dietary supplements do not have any proven effects on health, yet these supplements are increasing in sales. The study aims to find out what attitudes and knowledge people involved in physical activity have towards supplements and which factors influence them to buy supplements. How these factors differ between men and women was investigated. The study is based on answers from 100 collected questionnaires from people who are physically active at several gyms. Of those who participated in the study, 56 percent were men and 44 percent were women.