The recent history knows numerous examples of creditor?s inability to evaluate financial solvency of the client correctly. Creditors? risks do not only concern individual relations between the two parties but the economy in general. The standard loan-giving procedure considers evaluation based on a number of financial ratios.

During the 1970?s the interest for quality management and the concept of quality costs increased considerably. Business leaders noticed that there was a great potential for reducing costs of poor quality. Since up to 10-30% of a company?s total turnover may consist of poor quality costs some consider them as an unexploited goldmine.

The aim of this study has been to create an understanding for the situation of an often forgotten group in foster care, the carers? own children. Our main focus has been the experience this group has of foster care, their experience of participation in caring for the foster children and their possible need of support and help. Our chosen method has been qualitative interviews with six adult children of foster carers, two men and four women. The theory used in this study has been Sense of Coherence.Our interviewees gave mainly a positive description of being part of a foster family even though they could give examples of difficult situation and of loss.

The study focuses on the use of poetry in language teaching in the lower grades in the Swedish school. Poetry has a reputation of being an art form with such specific rules and structures that children and teachers think that it is something that they do not have the ability to work with.  The purpose of this study is to get an understanding of how poetry is used in educating children. My research is based on the following questions. To which extent is poetry being used in schools and how is it being used?Can you as a teacher see any effects on childrens language development by using poetry?As a part of my study I have met with and interviewed four different people, who in one way or another is involved in teaching children. Two working teachers in the lower grades, one pedagogical resource and one artist that work with teachers in reaching different goals through the help of aesthetic processes.

The number of smartphones are constantly increasing, 2010 approximately 200 million unitswere sold globally and the figure is predicted to increase to 1 billion in 2016. The increased useof smartphones also carries many risks, for example many smartphones are connected to theInternet. This is a possible way for hackers to gain access to user devices. Smartphones are wellrepresented in research on its safety, while research on its use and users? awareness often leavesmore to be desired.

We examined why file sharing is such a widespread phenomenon and what drives the persons that using file sharing, and what consequences it has on their consuming and ownership. We reached our goal by interviewing ten people who download files, using a qualitative method. We present the internet community where sharing files, copyright and the IPRED law are important ingredients for how the new generation consumer?s patterns look like. Today you can travel all over the world with a push on a button in just a few seconds.

This paper set out to investigate how teachers of Swedish in Sweden implement the grammar objectives of the curriculum in their teaching, through interviewing six teachers. It has been important to compare their methods to modern research of grammar teaching and teaching in general. They have been asked a series of questions to answer whether or not they use grammar terminology as mediating tools, if they intergrate dialogue among students in grammar teaching and to what extent the teachers? knowledge of and attitude towards grammar influence their teaching methods. The results show that grammar is used as mediating tools primarily when it comes to feedback on pupils? texts, though not to a great extent; dialogue between pupils is rare when it comes to grammar teaching; and the teachers? grammar knowledge and attitude affect the teaching methods, primarily in the sense that seeing value in grammar knowledge increases the teacher?s desire to develop new methods for grammar teaching..

The objectives of this research were to determine whether the natural rattan resources in Sulawesi, Indonesia can cope with the strongly increased harvesting pressure that has occurred over the last centuries. I was furthermore looking for patterns in the rattan population dynamics that might give a hint on how the harvesting system could be improved to ensure a maximum sustainable yield. To answer these questions, I developed an individual-based model to analyse the dynamics of rattan growth in connection with rattan harvests by locals to identify sustainable levels of rattan harvests around villages in Sulawesi, Indonesia. Scenarios with different harvesting intensities were run to compare the change in harvest amount. For a given harvesting pressure, scenarios with a high number of harvesters and a low harvesting frequency had the same effect as scenarios with high harvesting frequencies and a low number of harvesters.

There are two groups of haulage contractors in roundwood transport , those who are contracted direct by the transport buyer and those who are connected to a freight company which in its turn is contracted by the transport buyer. Today the roundwood haulage is dominated by contractors with one to two lorries. The effort of coordinating transportation for a transport buyer is dependent on how many communication contacts that must be managed (how many individual haulage contractors the transport buyer has to work with). A structural change in the sector that leads to a decrease in the number of haulage contractors but an increase in the capacity of each contractor, makes it possible for a transport buyer to coordinate transports with fewer communication contacts. The reason why a company reaches a certain size can be explained by the number of contracts it makes and manages.

The core process is responsible for internal business development and is the process that runs through the organization and the results which creates a value for the customer. Some research suggests that identification of the client's conscious or unconscious needs clarifying the so-called core process in the organization and operations can thus be more effective. The study aims to identify and analyze the experience of the core process within child health care. The method has been interviews with nine managers and 10 clinic nurses in a county. The results show a lack of knowledge regarding core process and process work.

This paper is an attempt to distinguish the specifics of the conflict resolution process and the negotiations during trade conflicts. First of all, this kind of conflict almost always contains some kind of protectionism which doesn?t make sense economically. Imposing trade-barriers decrease the overall welfare of your own nation and the only winner is the protected sector. These policies can be introduced since the political pressure from threatened industries is usually much stronger than the pressure from the consumers who will bear the burden of protectionism.

The core process is responsible for internal business development and is the process that runs through the organization and the results which creates a value for the customer. Some research suggests that identification of the client's conscious or unconscious needs clarifying the so-called core process in the organization and operations can thus be more effective. The study aims to identify and analyze the experience of the core process within child health care. The method has been interviews with nine managers and 10 clinic nurses in a county. The results show a lack of knowledge regarding core process and process work.

Alfa Laval?s strategy is to focus on modularized product platforms. Several benefits areforeseen, reduced lead-time, less costs, shorter Time To Market and better quality.Development and verifying will be carried out on block level. Today the separators arebeing tested as a complete unit. A number of factors affect the test results and problemsthat are encountered can be hard to identify.

Tidigare studier har visat att faktorerna KASAM, flow samt prestationsbehov har betydelse för hög upplevd arbetstillfredsställelse. I denna studie undersöks om dessa faktorer även är aktuella under svenska förhållanden. En enkätundersökning genomfördes på 137 anställda på tre olika företag för att mäta om de tre faktorerna kan predicera arbetstillfredsställelse. Resultatet visade att KASAM, och särskilt komponenten meningsfullhet, var en stark prediktor av arbets-tillfredsställelse. Även flow, och särskilt dimensionen inomboende arbetsmotivation, hade ett signifikant prediktionsvärde medan det visade sig att prestationsbehov inte predicerade arbetstillfredsställelse.

This study was carried out at Luftfartsverket (LFV Group, Swedish Airports and Air Navigation Services). The aim was to study what characterizes an employer of choice and further to examine how well the employees at Luftfartsverket feel that their employer lives up to this image. A quantitative method was applied in the form of a selfdeveloped questionnaire. It was answered by a random sample of employees at Luftfartsverket.The results showed that salary, good leadership, good relations to colleagues and a sense of participation were important factors to be an employer of choice. In the organization at hand good colleagues were the most fulfilled factor whereas good leadership were the least fulfilled factor.