Det här är en kvantitativ studie av hur kreditpreferenser hos mikrobolag med en årsomsättning om mindre än 10 miljoner SEK beror av branschtillhörighet och företagsstorlek. Mikrobolag är små bolag med mindre än 10 personer anställda och en årsomsättning på mindre än 2 miljoner euro. Det teoretiska ramverket utgår från asymmetrisk informationsteori och mer specifikt från pecking order theory, POT samt trade off-teorin. Kreditpreferenserna mäts genom två olika parametrar, dels genom mikrobolagens avsättning till periodiseringsfonder vilket kan ses som ett mellanting mellan extern och intern finansiering, dels genom förekomsten av externa lån från kreditinstitut. Branscherna som undersöks är tillverkning samt tjänster vilka anses skilja sig åt vad gäller kreditpreferenser.

The Internet has developed into a marketplace for national and international companies. With relatively small means, a company can reach out to millions of people on a daily basis by placing itself on the Internet. With this report, we wish to suggest how e-businesses can change its strategy to adapt to the new market. Focus is on the Swedish Internet market where Swedes, resident in Sweden, trades with Swedish e-companies active within the Swedish borders. To be able to make suggestions, we will first paint a picture of the Swedish e-commerce market from statistics collected from public sources.

This thesis has been performed at Scania CV AB Technical Centre in Södertälje and its aim hasbeen to study the causes and effects of deformations in the interface between the rear axlehousing ADA1100 and the central gear house R780 during operation. Design changes that wouldincrease the sealing capability of the studied interface are also suggested. Finite element (FE)and CAD software have been the primary tools in this study.Finite element (FE) simulations are used in the industry to predict and develop engineeringdesigns. The main motive for FE simulations has traditionally been to identify weak spots in thedesign, regarding high tensions and large deformations.The FE model is an aggregation of submodels and interface models that represents the rear axlehousing, suspension, central gear, central gear housing, wheels, bolts and weldings, and theirinteractions. The submodels have different material properties and they are connected withcontact interface models.Boundary conditions are defined on the bushings in front of the rear axle and on the air bellowsbehind the rear axle.

?I uppsatsen utreds Adjudication Bond, vilket i Sverige är en ny typ av bankgaranti. För attbedöma denna görs en jämförelse med hur bankgarantier som rättsligt institut förhåller sigtill svensk rätt. Bankgarantier används både i Sverige och internationellt. De utgör säkerhetför ett underliggande avtals riktiga fullgörelse.

Background: 2009 it has occurred a crisis in some of the member states of the European Union: Spain, Portugal, Italy, Ireland and Greece. Despite, some major banks in the world had begun to recover from the financial crisis that occurred from 2007 until 2009, there were still banks who found it difficult to survive. Greece is one of the countries that suffered from the financial crisis. The high budget deficit and the unsustainable debt are underlying the crisis.Banks as financial intermediaries have important function in a nation?s economy.

Today it is mandatory for every college or university student to pay a union fee to their student?s union. The fee is mandatory and is a payment for writing examinations, receiving grades. The fees purpose is also intended to secure the education quality and student influence. In the presence of the abolishment of the union fee the Swedish student?s unions stand before an uprising competition between themselves and most likely a decrease in membership.

The eyewitnessed reportage has a pronounced character of narrating. The imaginative power of the text helps the reader to empathise with the characters. That makes constructing empathy a necessary skill of reporters. But how can this be done?Despite a tradition of story telling among reporters, narratologists virtually have neglected the reportage genre.

The eyewitnessed reportage has a pronounced character of narrating. The imaginative power of the text helps the reader to empathise with the characters. That makes constructing empathy a necessary skill of reporters. But how can this be done?Despite a tradition of story telling among reporters, narratologists virtually have neglected the reportage genre.

Kontanter har använts i flera århundranden och är ett sedvanligt betalningsmedel mellanprivatpersoner och på inköpsstället. I takt med teknikens framfart har alltfler betalningsmedel utvecklats och anpassats till marknaden. Idag sker cirka 70 procent av alla köp i butik med kort. Detta gör att kontanternas användning plötsligt ifrågasätts och därmed väljer majoriteten av Sveriges storbanker att succesivt avveckla den manuella kontanthanteringen. Tanken är att försöka lära konsumenter och företag att använda alternativa lösningar som utgör substitut till kontanter.

Today it is mandatory for every college or university student to pay a union fee to their student?s union. The fee is mandatory and is a payment for writing examinations, receiving grades. The fees purpose is also intended to secure the education quality and student influence. In the presence of the abolishment of the union fee the Swedish student?s unions stand before an uprising competition between themselves and most likely a decrease in membership.

The aim of this essay is to analyse certain succinct statements of Russian leader Vladimir Putin. His rhetorical style in general, and these statements in particular, are distinguishing Putin from other Russian political figures. The statements have survived the test of time and lived on in the media, on the internet and in the vernacular. They have come to be called Putinisms.The essay is descriptive and treats these special statements, describes where and how they came into being and analyses them on a micro level, word by word. The analysis is also qualitative as it covers selected statements, which represent only a small portion of all the statements made by Putin within the time frame chosen for this study.

Veterinary medicine is not merely an area of occupation but also an area of business. In a business the customer service is its identity and brand and more importantly what makes the client choose and recommend the clinic to other potential customers. The licensed veterinary nurse is habitually the one who first meets the clients at the clinic. Therefore it is particularly important for the licensed veterinary nurse at the clinic to offer high-quality customer service. The object of this study was to understand and elucidate how the pet owners experience the encounter with the licensed veterinary nurse at different stages in their contact with the clinic.

Denna examensrapport redogör för hur man kan få en kortslutningsskyddadoch säker inkoppling av en DC-länk mellan två skiljda elektriska system.Rapporten bygger på hur en lastbil ska kunna få en större säkerhet för attbibehålla sina elektriska bromsar om tex ett av bromssystemen tappar sinordinarie matning.Lastbilens bromssystem består idag av två skiljda elektriska system med ett 24volts strömförsörjande batteri vardera. Det ingår två stycken elektriskabromsar i varje system. Om det tex blir fel på en av bromsarna och dennapåverkar ett av systemen vill man kunna koppla bort denna enskilda bromsmed sitt system. Man vill även kunna försörja den fungerande bromsen somsitter i samma system via en så kallad Axle Link. Denna strömmatningslänksitter mellan två hjulpar på samma axel.I denna studie undersöktes möjligheten att realisera en kortslutningsskyddadoch säker DC-överföring via en Axle Link, i första hand med diskretakomponenter.

In healthcare there is a rapid development towards introducing and implementing a wide range of information technology (IT) to aim for higher quality and more effective care. A common health information system (Cambio Cosmic) has been implemented in Landstinget Kronoberg. Clinical microsystems are the frontline units where staff and pa-tient meet. When the conditions in the microsystems are changed, it is interesting to de-scribe and analyse the consequences.The purpose of this study is to describe how health care staff uses a health information sys-tem and how they experience its functionality in their patient work. Initially, a literature re-view about the use of health information system was undertaken, followed by a qualitative case study based on interviews about how healthcare staff describes their reality.

Major changes within the agricultural politics today have forced the dairy production to scaleup, in order to compete on a global market. This has resulted in a reduction in the number ofsmaller dairy farms in Sweden, from about 40000 to just over 4000 over the last 30 years. Thepurpose of this study Svenska mjölkbönder, snart ett minne blott? ? Markbygdensmjölkbönder i tankar om mjölkproduktionens nuvarande situation och framtidsutsikter, is topresent the opinions of dairy farmers in Sweden, regarding the Swedish dairy industry and therelation to their own dairy production. A secondary purpose is to problematize how theconsequences of pastures and cultural landscapes influences human society as dairy farms andgrazing animals are becoming fewer.