Managing credit risk might be the single most important business area for any commercial bank. The assessment of "good" and "bad" corporate clients is a important task for a creditor. A bad debtor is a corporate client with hardships in meeting the continous claims (interest payments) that a creditor requires. One way of evaluating or separating a "bad" client from a "good" client is to assess the propensity for the client to file for bankruptcy. This thesis examines 226 firms in the Swedsh market in the quest of predicting corporate bankruptcy.

Background: Examinations with the intent to assess neurological functions and level of conciousness are common in neurocritical care, but the effect on the patient is not entirely researched.Aim: The purpose of this study was to describe the patient?s situation at the neurological wake-up test concerning the environment, nursing interventions and the possibility given the patient to become awake, and if these conditions affect the outcome of the wake-up test.Methods: A quantitative observational study took place at a neurocritical care unit, where 20 patients were observed from interruption of sedation to the neurological assessment, which was performed by a neurosurgeon or a specialized critical care registered nurse. Nursing interventions, environmental factors and physiological parameters were documented.Result: Twelve intervention varieties to control patients? physiological parameters were used. CPP > 80 mmHg was found in 90 % of observations.

Fibromyalgia is a chronic pain disorder. It affects muscles and connective tissue. It's a very complex disorder that has no adequate treatment or cure. The research has progressed but there are still some questions to be answered. Quality of life for these patients is decreased and leads to suffering.

This study is about the female entrepreneur in rural areas in Sweden. Five women were interviewed with the aim to examine their way of living (livsform), their motivation, what significance it is to be a woman in business and how female entrepreneurs can be encouraged to start their own business. The conclusions : ? The women in this study live an independent life , but the their way of life (livsform) has changed during their life ? Female entrepreneurship can be promoted trough greater knowledge of the female business, better advice to the entrepreneurs, more networking groups and reducing bureaucracy. ? The driving forces for the women is to do what they like and are interested in, at the same time as they have time for the family and children. They also like to work in the rural areas. ? Female entrepreneurship can be promoted through greater knowledge of female businesses in the community, by creating virtual Meeting places such as networking groups and mentor groups on internet.

Fibromyalgia is a chronic pain disorder. It affects muscles and connective tissue. It's a very complex disorder that has no adequate treatment or cure. The research has progressed but there are still some questions to be answered. Quality of life for these patients is decreased and leads to suffering.

Title: How can everybody learn to sing? A study about methods for meeting students with poor singing abilityI have based my work upon the question if everyone can learn how to sing. This study investigates the physical and psychological impacts that singing may have upon us and examines methods that can be used intuition. Concepts such as tone-deaf, amusia, poor pitch singing and monotones are discussed, and the expression ?sångsvag? ?singing weakness?) is put forward.

AbstractAim: The aim of this study was to describe cancer patients? experiences of quality of life and wellbeing in relation to yoga practice.Method: A descriptive qualitative study with semi structured interviews was carried out during the fall of 2009 at the University of Uppsala. Informants in the study were cancer patients who were participating in the yoga/psychotherapy group at the clinic of oncology at the Akademiska hospital in Uppsala.Result: Five out of six informants experienced that their quality of life and their wellbeing improved by practicing yoga. One informant had mixed feelings which were not due to the yoga practicing, but to the place where it was practiced. For her this place was associated with illness.

The goal of this paper is to analyze the influence of the EU on Turkish democracy. In order to achieve this aim, the paper concentrates on three areas, as representative institutions, opposition parties and freedom of expression. The impact of the EU on Turkey has been more explicit during the last decades. In particular since 1999 when the country became a candidate for membership, and that will eventually lead to Turkey joining the European Union. Thereby this paper will examine the demands EU set up for the country and how Turkey accomplishes these criteria.

In the post-war era many European countries were recovering from the ravages of the bombings of the second world war destroying whole countries. Sweden being neutral was spared the destruction of war but instead we demolished almost as much housing all by ourselves. A social program was modeled to modernize the country and to drag the swedes out of poverty by building one million apartments in just ten years and demolishing the old, dilapidated working-class neighborhoods. The traumatic events of the demolition of large areas of both the central and the outskirts of most Swedish cities is still very much present in the collective memory of people today and the new modernistic districts are still paying the price of that, more than fifty years later. Today these modernistic districts are in need of repair, and they are often homes to groups alienated from society making their reputation even worse.

The background to this paper is the events that have taken place in the Swedish area of responsibility in Afghanistan where Swedish troops have been ambushed by the insurgents. Although the troops primarily where riding in Toyota Land Cruisers they had no casualties. I think that the Swedish force needs other vehicles that can be armed and are armoured.When I compared three different types of armoured vehicles, I found that PTGB 6 is the vehicle of choice, according to the special needs that a Swedish EOD-squad, their task and their equipment have. .

According to Swedish school policy documents, every teacher?s assignment is to individually adapt the education to meet every student?s needs. There are no exact guidelines about how to make these adaptations. The purpose of this study is to investigate how six teachers interpret the policy documents and how they, according to themselves, work to achieve this. This study is built on six interviews with teachers who work with children in the ages from seven to ten.

Aim: The aim of this study is to investigate how context-specific and generic scaffolding affect upper secondary school students' conversations during laboratory work in chemistry and find out if meaningful exploratory conversations taking place that increase the students' understanding. Theory: Previous studies show that there are difficulties for students to both handle practical material in laboratory work and create meaningful conceptual understanding. It needs to be more minds on than hands on. This study has a socio-cultural basis where language is an important basis for thinking. Previous studies show that the exploratory conversation is important for creating understanding.

The aim of this paper is to analyse how the term attractiveness is interpreted in Swedish contemporary urban planning. The focus is to analyse how the term is discursively constructed and by this highlight the conceptions that exist around what makes a city attractive. We want to emphasize the importance of a deeper understanding of how attractiveness is used in urban planning and how the term is a part of the development of our cities. Given the use of attractiveness as a part of visionary goals for Malmö´s and other Swedish cities future development, our intention, therefore, is to enhance the understanding of what the use of attractiveness means in respect of the creation and construction of power relations in time and place. The framework of our analysis is based on the discourse theory approach and used as a way of understanding how urban ideals is discursively constructed.

When the introduction starts for the child and their parents it holds many emotions. There are many emotions involved in the first meeting between preschool and home for both the children and their parents. So my purpose with this study is to focus on two introduction models educators at my selected preschool works by. The purpose of my study is to focus on the two introduction models that are used by educators at my selected preschool. I ´m going to view this two models by examining how the educators prepare before the introduction starts and look at their point of view.

Title: Development and continuity: A new institutional case study of a Danish public library in changeAbstract: The purpose of this master's thesis is to discuss and analyse the relationship between the traditional core values belonging to the institution of the public library, and the development work that takes place at the institution. The thesis also investigates the relationships that influence the development work.By investigating a library that is considered progressive in its development work, our purpose is also to unveil alternative values that compete with the traditional core values. By illustrating the perception among seven staff members and the director at Aarhus Public Libraries, we want to illuminate the terms for development among public libraries. In addition to our interviews, an activity plan is studied.We base our study on new institutional theory which focuses on norms and values in an organisation. This focus helps us to understand the development work from a comprehensive view.Our study shows that the development work at Aarhus Public Libraries is taking place in a complex environment that consists of several different actors and different interpretationsof the traditional core values of public libraries.