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.

This essay is about needs assessors within public elder care. The method is a quantitative vignette study. The aim of the study is to find out whether there is an existing consensus among the needs assessors when a relative to a client with reduced cognitive functions wants to make an application even though the client does not want to. We also wanted to find out whether there are any underlying circumstances which have influence on the needs assessors? reactions to this specific situation.

This degree project documents the meeting of four high-school students with working life before and during the practical training period, which is a mandatory part of the Swedish media curriculum. We looked into practical training, which we qualify as the crossroads between school and working life, from a student?s perspective. We chose to approach the problem theoretically via hermeneutics and we used the case study method for our field research. The foundation of our pre-understanding of the media curriculum?s practical training period lays on previously published research, the study of specialist literature, own experience gained during practical training and teaching experience at high-schools as well as a pre-study we carried out.

The aim of this study was to increase our understanding of how secondary schools handle the different forms of bullying in different arenas. The questions we were asking us was how schools work to prevent and treat against bullying based on plans of action, how the schools are responsible in the bullying issues and how the schools and welfare officers have taken account of sex linkage in bullying issues. Our study is based on the result from seven qualitative semi- structured interviews with secondary school welfare officers in Sweden.  The study results show that traditional form of bullying takes place through verbal assault, physical violence, ostracism and glances. Welfare officers coincide that there are gender differences in the approach of bullying.

Title: ?It´s so sensitive? - Persons in authority's arguments around those persons with disabilities chooses to become parents.Authors: Therese Andersson and Malene HelanderSupervisor: Magdalena DambergThe purpose with this paper is to describe and analyze how professionals act when people with disabilities chose to become parents. To achieve this purpose we have chosen to use a qualitative method with deliberation interviews. The interviews have been implemented with six different persons in authority who work in social welfare offices and as LSS - administrators.Ensured to our questions, (1) How does persons in authority do in the meeting with persons that has a disability and chooses to become parents? (2) Which possibilities respective difficulties see persons in authority within social service and LSS with parenthood where the parent has a disability? (3) What is done in order to facilitate the needs that are added when persons with disabilities chooses to become parents? we consider that they have been responded to.Through our empirical materials we can interpret and read out the replies that we searched for in connection with our survey.

The purpose of this essay was a follow-up of four female drug abusers with several mental problems ten years after my initial meeting with them at Korsaröds Behandlingshem. Using a qualitative method and interviews with the women, knowledge was obtained regarding their current vital conditions and their subjective experiences of the treatment at Korsaröd. Their perspective on the ethical as well as their desired relationship with staff within social services was also accounted for. When contacted the women lived a content and drug free life in their own flats. The women stayed at Korsaröd approximately five years, and they said that without the treatment they would not be alive today.

In this essay I investigate how the Roman colonization (around 50 BC to 400 AD) affected the Celtic religion. I inquire which operators that were behind these changes and under what circumstances they happened. I take a closer look on three places in Gaul and one place and one area in Britain. In my study of these places I see that it was the elite of the Celtic societies who together and under pressure from Rome made these changes. The religion and gods did not change; instead the ritual ceremonies changed to fit into something that Rome thought was right.

Background: To lose a child describes as the most painful loss that a human being can experience. The grief can be experienced individual depending on several factors such as culture and life experience. Being a man or woman is another factor that may influence the experience of grief. The nurse´s role is to support both parents in their role as mother and father. Aim: The aim was to describe men?s and women?s experiences of the loss of a child.

The purpose of this particular study was to examine the client relationship as described by social workers during the ongoing process of addiction treatment in conjunction with the effects on creating these relationships as affected by government stipulations. As a basis for the study, qualitative interviews were conducted with five separate social workers in the course of their work within addiction treatment. Results from the study were analyzed by means of power and dramaturgically roll theory. The social workers stated that it was of the utmost importance to create a good relationship in order to effectively help the client. The social workers further stated that a good relationship was characterized by the virtues of cooperation, trust, and confidence.

The purpose of this thesis has been to explore the topic of business simulation from a theoretical foundation in social constructivism and theories concerning leadership as the management of meaning. The most important findings are that business simulation can be used for strategical leadership by management to create a common vision in the organisation members, which affects their perception of the business and the decisions and actions they make, which in turn can lead to a more efficient organisation that becomes better at meeting set goals. This can be viewed in different ways from different theoretical viewpoints: as inducing targeted changes in mental models to create changes in decision making and actions; as a secondary socialization process where the vision of management is externalized as a business simulation that is in turn internalized by the organisation members that participate in the business simulation, or as a way to frame and define the reality of the organisational members which creates a shared reference point against which a feeling of organisation and direction can emerge. In the future, business simulations may become increasingly used by organizations to create a common vision or to communicate a new decision to the organization members..

Background: Fibromyalgia is a disease wich involve cronic pain and fatigue. The disease has appeared for a long time, but it has resently become possible to diagnose. It is still unclear what cause the disease, and the treatment of it is therefore still diffuse. The lack of knowledge leads to a lot of discussions and the diagnosis is questioned. Purpose: To study how patients with fibromyalgia experineces the attitudes from staff in hospitals and health centers.

Residential estates are created without any adaptation to the users who will use them. Clients wouldprofit on involving users in an early project stage to create housing estates adapted to the user?s needsand wishes. Clients of the housing estates that require missions from consultants should realize that noone exclusive can represent other people's needs, regardless of the theoretical expertise they possess. TheSwedish million programme in the 1970s is an example of how objective expertise gained control, whichled to the creation of outdoor environments where few wanted to stay and live.

In Sweden today it is problematic to talk about the woman's sex. Many women are embarrassed over their sex, nor do they have particularly strong knowledge of their sex or its functions. Language difficulties also contribute to problems for Swedish women when they come in contact with a professional who works with the female sex. In our study we have researched which denomination is most commonly used for the female sex and also how the public sees the word ?fitta?.

The aim of this paper is to examine how the Swedish implementation of the new trafficking laws may differ from the original intention from the UN and EU and if they are substandard due to poorly conducted law implementation. Or if it might be a victim of political symbolism, to win support and votes for the politicians in power from the people, a ?hollow showpiece? only meant to be shown off. Trafficking is a relatively new phenomena and problem to be researched and discussed. This paper investigates the impact of the Palermo protocols international definition of the problem, the convention against organized crime presented by the European Union on the Swedish legal system and its action plan. A qualitative text analysis focusing on the discourse of the intentions behind the internationally presented legal documents and compared against the carrying out of said national objectives.

The purpose of this study was to explore the experiences of being a homosexual immigrant in the Swedish society. Our questions were how the interviewed homosexual immigrants experience being treated by the people in their surroundings and how they are influenced by their attitudes. We also wanted to know what kind of thoughts they have about affiliation considering origin and sexuality, and what positive and negative aspects they experience from the combination of being both homosexual and immigrants.To get the answers to these questions we used a qualitative method and interviewed seven homosexual immigrants between the ages of 25 and 40 years. We then compared our material with earlier studies of the living situation of homosexual immigrants in Sweden, Denmark and Norway. We also linked our findings to Goffman's stigma theory and to heteronormativity.The main result was that the combination of homosexuality and immigrantness can result in various difficulties.