SammanfattningTitel: En Jämförelse i Blancokredithantering mellan Svenska Nischbanker från Detaljhandelsbranschen och Universalbanker Ämne: Industrial and Financial Management Central Begrepp: Blancokredit, Kreditrisk, Kreditprövning, Nischbanker Forskningsfrågor:? Använder svenska universalbanker och nischbanker med ursprung från detaljhandelsbranschen samma kriterier för riskbedömning vid blancokreditgivning?? Hur skiljer sig deras kredithantering?Syfte: Syftet med studien är att göra en jämförelse i blancokredithantering mellan nischbanker med ursprung från detaljhandelsbranschen och Sveriges universalbanker. Detta för att utreda eventuella likheter och skillnader och belysa dessa i en modell. Metod: Vi har valt att använda en deduktiv metod och utfört en kvalitativ undersökning. Våra undersökningsobjekt avgränsas till Svenska nischbanker med ursprung från detaljhandelsbranschen och universalbanker.

Open source software has recently been discussed, not least in media as a revolution in IT. A number of advantages have been listed in changing proprietary software into open source software. Examples of such pros are no expenses for license fees and improved efficiency. In spite of this, few users have made this change. One of the reasons is a distrust of the quality in open source software.

The purpose of this paper was to examine social workers' experiences of integration of unaccompanied children. We aimed to study which factors in the individual and the community social workers experience affect the integration and how they, based on their understanding, work to promote integration. The essay has a phenomenological approach and focuses on the social workers' own experiences of the phenomenon. The empirical data was obtained from qualitative interviews conducted with five social workers, all administrators in cases involving unaccompanied children. The result shows that the social workers feel that the desire to integrate is the most important presumption that must be present in the unaccompanied children.

Background: Municipalities are organizations facing a turbulent environment characterized by social, economical and political changes. It is the responsibility of the topleaders of the municipality (the municipal manager and the chairman of the local government board) to manage the situation and to make sure that the organization continuously develops. Purpose: To explain, from a leadership perspective, how the municipal topleaders'duties have developed during the past 25 years. Results: The municipal topleaders have nowadays got more issues to handle. Cooperation, networks and projects have increased, like international issues.

During the late 1990s a movement with the intention of forming independent libraries emerged on Cuba. They were seen as an alternative to the public libraries which were supposed to be suffering from censorship by the Cuban government. The purpose of this thesis is to compile and bring structure in a debate regarding public libraries on Cuba and what have become known as independent libraries. In this thesis a textual analysis has been approached for examining articles, websites and reports concerning what attitudes and position the library support organizations Friends of Cuban Libraries FCL, Cuban Libraries Solidarity Group CLSG and IFLA/FAIFE have regarding the two different library types. These positions is throughout the survey connected with the concept of intellectual freedom.

Background: What is a share and what determines the value of a company? This is a constant issue that many in the financial world are facing. Many argue that there has been some decoupling between stock valuation and how the company in question is developing operationally after the financial crisis that the world faced during 2008-2009.Problem: It is important to distinguish between the company and the share. A company that is good and well maintained may not be worth buying only because of it. The share is judged by other elements also.

Plant nutrients are important for all life on earth and are also important as fertiliser infood production all over the world. Because of this, plant nutrients are of great valuebut they also bring problems. As an example, the loss of nitrogen and phosphorusfrom agriculture and urban society's sewage systems contributes to some of today?smajor problems in water environment. Another problem associated with plantnutrients is that finite recourses are used in the production of mineral fertilizers.

Every year the Swedish government invests capital in different projects. In recent years the Swedish government has chosen to invest in design. The reason for this is that the government wants industry to use design as a competitive source. Two organizations, Svensk Form and Stiftelsen Svensk Indistridesign, have been assigned to improve industry and society?s under¬standing of design.

Background: Corporate Social Responsibility (CSR) is a term that has become increasingly prominent in the corporate world. As the awareness of responsibly produced products is growing among both companies and consumers, it has become increasingly important for companies to get involved in sustainability issues. There may be several reasons why companies choose to integrate CSR in their business, where one reason may be related to company size. In the business category of micro, there is currently no widespread research, which makes this company size interesting to study. The choice of industry was made because coffee is one of the world's most important merchandise, and the coffee industry has come a long way with integrating CSR in comparision to many other industries.Purpose and research question: The purpose of this study is to create a deeper understanding of why coffee roasters in the business category of micro enterprises choose to incorporate CSR in their businesses.

Many IT projects that have been developed in recent years are often considered to be unsuccessful. According to a study by Exido up to the 72% of all IT projects are considered to be failed. A failed IT projects means that the organizations that have ordered the new system may have higher costs or/and the system will not be ready in time. If costs are too high the new system might not be installed in the organization or if the system is not completed within the specified time frame the organization can become stagnant.In this paper we conduct an investigation of the failure of IT projects there we will examine where, in the systems development lifecycle four different phases, projects fail. We will conduct an empirical study of each phase, where we describe the key steps in the process; we will also investigate failed IT projects that are linked to the current phase.

Open access (OA) is a publishing model aimed at increasingthe access to academic research results. The object of thisstudy was to contrast nine colleges and four fundingorganizations in Scandinavia with mandatory OA-policies,and to study how they put OA into practice.Inspired by the Open Access Spectrum (OAS), a tool used toappreciate the OA of academic journals, the aim was tograde the policy documents of the colleges using the OASmodel.The study also compares how the colleges implementtheir OA-policies as well as how, and if, the demands fromthe funding organizations are reflected in the policies of thecolleges.The findings show that the OAS is not a tool designed forgreen OA and that all the information needed for the scale tofunction was not found in the policy documents we studied.A selection of the colleges has some demands in theirpolicies, although most of them allow exceptions to be madefrom the mandatory policy. This is shown to be mainly aquestion of academic freedom, and copyright, or rather thanthe degree to which the scientist and the publisher can cometo an agreement on allowing the information to be accessiblethrough OA.The study proposes that the way to change this may be toincrease the demands on OA in the policies, and that the bestsolution might be in stipulations within the employmentcontracts between the individual colleges and scientist..

Organizations today face big challenges as a result of increased exposure. A distinct and recognizable identity is required to differentiate. Consistent and coherent communication about what the organization stands for and where it is going is crucial if you want to succeed. This is a case study of how organizational members from two real estate companies that have merged into one, perceive their merged organization. The method is depth interviews with management representatives and focus group interviews with members from different levels of the company.

Increased interest in nature tourism may be what saves small and dying villages, like Borgsjo? in the county of Va?sterbotten in northern Sweden, from disappearing. The nearly untouched nature in these areas is in many cases an unused resource, since true wildlife experiences are sought by many travelers. The purpose with this report is to investigate if Borgsjo? has the potential and abilities to become a destination for nature tourists, and how this should be done to avoid negative effects on nature, wildlife and culture.

This paper examines women's positions in the music industry. By quantitativelyinvestigate ten major companies on the swedish music market, the authors have beenable to mapp positions that are dominated by women and as well as men. The essaydiscusses several theories of both gender in organizations and gender in society inorder to analyze the quantitative results.The aim of the paper is to highlight the current segregation of careers in the musicindustry as well as to lay a foundation for further research on why it is segregated.Clear graphs shows the gender distribution between women and men in business butalso the distribution of gender in occupations / positions in similar companies. In theanalysis the authors reflects on the results using relevant gender theories. In theconclusion, the authors explain the result generated by the analysis and illustrates theprevailing segregation that exists in the music industry.This paper has concluded that a seemingly even distribution between men andwomen in business organisations can sometimes be misleading.

?CSR and political consumption ? a study of Nike?s and Puma?s CSR-reports?The purpose of this dissertation is to examine if political consumption has influenced multinational corporations to improve their Corporate Social Responsibility reports and policies more, than a company who has not been a target for political consumption.This dissertation is a content analysis of Nike?s and Puma?s first (Nike 2001, Puma 2001) and latest (Nike 2007/09, Puma 2007/08) CSR- reports. Archie Carroll?s model of Corporate Social Responsibility is used as theoretical framework in this study. The model is used to focus on four areas within CSR; economic, legal, ethical and philanthropic.