Large companies in today?s business environment are to a great extent depending on their credit score by rating institutes like Moody?s and Standard & Poor?s. There is however indications that these big institutes are not always rating companies accurately. This is why this thesis aims at developing a new credit rating model, CRITA-Score, with the objective of determining a company?s financial health more accurately.

The value investing philosophy, which can be traced at least to the teaching of Graham and Dodd in the 1930?s, entails identifying and investing in potentially under valued stocks with a potential for extraordinary returns. The focus of this thesis is to identify patterns and characteristics in financial accounting data preceding creation of shareholder value. The authors of this thesis utilize a multivariate discriminant analysis in order to identify indicators of value creation and subsequent extraordinary returns in value stocks. A discriminant function is derived which successfully identifies which value stocks will eventually become growth stocks.

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.

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.

Corporate failures pose a problem for banks, investors, customers, employees andinsurers. With a multivariate discrimination method, the study aims to find the specificfinancial ratios that most accurate reveals a company's financial health, which is ofinterest to all of the above parties. The data consist of 1042 Swedish small enterprisesand 30 different financial ratios between the years 2005?2007. The result shows thatbankrupt firms three years before bankruptcy have a disadvantaged capital structurewith poor solvency and high debt.

Sweden?s District councils and Country councils are in itself to a large extent responsible for the state financed welfare. Because of this, Sweden has a contribution- and adjustment system. The reason for this system is to create equal chance, for all District councils and Country councils, to be able to give the citizens service independently of their income and non-influential structural differences. The adjustment is built upon the so-called standard cost method, which contains four different parts.

The snow leopard (Panthera uncia) is an elusive felid, native to the mountains in central Asia. Basic knowledge about the snow leopards? ecology has long been lacking but is advancing with the help of the GPS-technology. GPS cluster analysis can provide insight in the diet and prey selection of elusive predators, such as the snow leopard. Acceleration data from GPS collars can be used to study animal behavior but the two have never been combined to gain more detailed information of the feeding behavior of large carnivores.

The purpose of this study was to examine by means of Eysenck Personality Inventory (EPI), the relationship between Neuroticism, and self-rated eating problems. Altogether 105 respondents, mean aged 42,3 years, including 11 men and 94 women, participated by answering an Internet-based questionnaire comprising three different sections. Neuroticism correlated with self-rated eating problems (r=,468, p.

Syftet med vår uppsats är att beskriva hur svenska konsumenter uppfattar och påverkas av svenska företags användning av multiple celebrity endorsement som kommunikationskälla i företagets visuella kommunikation.Vi har valt ett kvalitativt och abduktivt angreppssätt genom en fallstudie. Vi har genomfört våra intervjuer i form av fokusgrupper och därefter abstraherat vår data genom kategorisering. De teorier vi i huvudsak behandlar, består av multiple celebrity endorsement, visuell kommunikation, konsumentbeteende, kommunikationskällan och dess mervärdesfaktorer, samt recall och recognition.Våra respondenters svar ligger till grund för den data vi redogör. Vi har analyserat empirin utifrån den teori vi tidigare redogjort för. Vi beskriver även inledningsvis vårt val av fallföretag bestående av AXA Sports Club och MQ Sweden AB samt hur vi använt oss av kända personligheter från deras annonser..

Title: Youth unemployment- A study of the tax effect on youth unemployment in 13 European industrial countries Seminary date: 2009-02-06 Course: NEK691 ? Bachelor thesis, 15 p Author: Emma Jonsson Tutor: Klas Fregert Keywords: Youth unemployment, tax, 13 European industrial countries, panel data, multiple regression analysis. Purpose: The purpose is to examine the reasons behind youth unemployment with a special focus on tax policy. Method: By using a multiple regression analysis examined with panel data from 13 European industrial countries for the period 1998 to 2004. The dependent variable youth unemployment is explained by five independent variables.

The use of marketing research panels are a more and more frequently used source of information for studies within many different branches. The purpose of this report is to investigate the demographic composition of panels and compare it with the population of Sweden, a possible change in behaviour of respondents, and if the source of recruitment is the cause of possible differences in study results. The study was commissioned by Norstats Linkoping office. Sources for the data material include Norstat?s recruitment process and their two main panels with different recruitment sources.

This thesis concerns the policy process of a proposed bill. The specific bill constitute a new penal law which is supposed to replace the old penal law from 1974.The questions asked considers what in the foregoing policy process that has proceeded, affected and also characterizes the proposed bill. In order to be able to produce a deep and reliable analysis to this question I use two different theories.The first theory being used consists of John W. Kingdons theory of ?multiple streams? which I use to answer the specific question ?what can be recognized to have proceeded and characterize the policy process that the penal law bill involve??.The second theory consists of Peter Santesson-Wilsons development of symbolic policy theories which is given a concrete form in the ?taxonomy of symbolic policy? which he presents.

Sweden is a world leader in listed private equity and ranked fifth in the world in market capitalization. The sector is attracting increasing interest from the investment community. However, the private equity industry in Sweden has historically poor reputation and is criticized for creating value through high leverage, multiple riding and severe cuts. This study analyzes value creation drivers in buyouts from the perspective of the private equity firm using a dataset of 15 realized buyouts by private equity firms listed on NASDAQ OMX Nordic Stockholm. The methodology used separates the value contribution of leverage on the private equity firm's return from internal operational improvements and external variations in transaction multiples.

Multiple sclerosis is a disease whose course is capricious and unprediactable and the exact cause of the disease is still unclear. The purpose of this literature review was to describe factors that can effect quality of life of people with diagnosis multiple sclerosis. The results shows ten different factors that effect quality of life of people with MS: fatigue, activities in daily life, position of dependence, limits of the functional abilities, sense of guilt and shame, comunicationdifficulty, social network, emootional factors, depression and degree of difficulty of the symtomes. Work has been shown to bee a major factor that can make people with MS feel worthy and experience quality of life. Nurs is an important keystone in care of people with diagnosis multiple sclerosis..

Background: Multiple myeloma is a malignant incurable cancer disease associated with severe chronic pain. The nurse has several important roles in the management of patients with multiple myeloma. This study focuses on nurse´s roles including the caring of pain relief.Aim: The aim of this study was to elucidate the nurse?s role in giving care to patients with multiple myeloma and associated chronic pain.Method: This literature study was based on scientific articles.Results: The nurse is in a key position to facilitate ongoing adequate pain and psychosocial assessment of patients with multiple myeloma. The study presents ways of relieving pain and suffering via different ways of caring management.