To be able to protect themselves from credit risk, the banks must constantly check the performance of  the companies they have lent money to. There are many mathematical models for predicting financial distress. These models use accounting-based ratios, which often are historical and not representative for the present situation. This study describes how the banks do in practice to find signals of insolvency in time and the variables they are observing for doing that.In addition to financial reports which the company sends in to the bank at least once a year, also the relationship between them and information from different information  agencies are of great importance to track  signals of insolvency. Poor profitability is the primary cause of insolvency.

We are in an emerging digital society where we are increasingly dependent on the mastery of IT and digital technologies to better carry out our everyday tasks. They cover everything from keeping in touch with family and friends to pay bills and declare. At the same time there are those who have not learned how to use the new technology and live their lives outside of the digital society. What happens to these people, in a society that is becoming increasingly digitized? Do they take harm by being in digital exclusion? It looks like this are issues that will not become less important as digital technology constantly changes.

Mobiltelefonen är ständigt närvarande i vår vardag. Den är ett kraftfullt verktyg som hjälper oss med allt från att surfa på nätet till att kolla när bussen går eller att betala räkningarna. Den har också gjort att vi kan dela med oss av våra liv och hålla kontakten med våra nära och kära var vi än befinner oss. Kort sagt har den ändrat hur vi beter oss i de flesta situationer. Men alla dessa ändringar är kanske inte lika positiva.

Consumers today leave a fragment of information when they pay with their debit and credit cards. The aim of our work is to investigate ways to design a concept of a system in which digitally stored information that today is fragmented among several different holders, can be assembled into a system and made available to consumers. In our study of how a system for financial flow of information should be designed, we intend to study the present situation and the attempts made to alter it into a more informative reality. We intend to investigate the flow of information when a consumer pays by card, and the possible solutions regarding the design and transportation of digital receipts. A majority of the information of our digital consumption is today handled digitally.

A controversial party?s entry into parliament - a review of Expressen?s depiction of the Sweden Democrats (Sverigedemokraterna)The purpose of this essay was to study how Expressen presents the Sweden Democrats, as well as reasoning about the effects this depiction could have on the citizens? opinion. Using a quantitative method I studied 122 articles, and through a qualitative method four of these could be further analyzed to reach a deeper result. The theoretical perspective that was applied in this study was primary agenda-setting and framing theory, to illuminate the power of media. The result showed that a prominent theme was to present Sweden Democrats as racists.

Despite the fact that the issue has been discussed for several decades, there are still no rules in Sweden mandating political parties and candidates to disclose received donations. Because of this lack of transparency, Sweden is not fulfilling some of its international obligations and has fallen behind in the international trend to increase the transparency of election campaign finance. The lack of disclosure rules in Sweden has led to extensive criticism, most notably from the Council of Europe´s group of states against corruption, Greco, who criticized Sweden in light of the guidelines on the subject from the Council of Europe. At this writing, a new proposal for disclosure rules is being prepared at the Department of Justice, DoJ. The proposal is to be presented in spring 2013.

Mobiltelefonen är ständigt närvarande i vår vardag. Den är ett kraftfullt verktyg som hjälper oss med allt från att surfa på nätet till att kolla när bussen går eller att betala räkningarna. Den har också gjort att vi kan dela med oss av våra liv och hålla kontakten med våra nära och kära var vi än befinner oss. Kort sagt har den ändrat hur vi beter oss i de flesta situationer. Men alla dessa ändringar är kanske inte lika positiva.

This study investigates the judicial process against Erik Molin, a clerk and former theology student at the University of Uppsala 1734-1739. The main purpose has been twofold; first to investigate the legal process through the various judicial bodies and secondly to analyze the ideas and conceptions about man and society expressed by the authorities and Erik Molin. The theoretical approach has been inspired by the German philosopher Jürgen Habermas? theories concerning the emergence of the bourgeois society and the changing concepts of private and public spheres. The study shows that the diocese of Uppsala regarded Molin's theology as heretic and found that he knowingly had tried to spread his views.

The purpose with this essay is to investigate Swedish political parties who have had or has a restrictive immigration policy containing opinions, that can be classified as xenophobic, and their history and development as a party. The focus in this essay is centred on the politicization that the parties Ny demokrati and Sverigedemokraterna have gone through and the mobilization they have reached. The material that will be handled in this matter are mainly the parties? political programs that have been published in various forms, but these will be supplemented with secondary sources in the form of previous research, reviews by journalists and other literature. The result have shown that the development from 1970 ? 1980´s to today considering these type of organizations is that they have changed in their appearance, in the matter of how they convey their message, and the actual appearance of the party members more than the message itself.

AbstractFor several years, the organic food sales have increased, and more are choosing to buyorganic food of more diverse causes. Unfortunately the sales have slowed down the past year,a lot depends on the Swedish economy has been in decline and it has led to more will checkone more time on the price. But even if the sale value has decreased, the amount of organicfood has increased, it is because many stores have their own organic brands and they can pushprices down.The internet has become a great help in our daily lives, we do most our business via theInternet. But now we are not just paying our bills through the Internet anymore, we shopclothes, movies, music and books too. E-commerce was become more serious last decade andhas grown every year that has passed.

Intimate partner violence (IPV) affects both men and women, in homo- as well as heterosexual relationships. The most recognized form of IPV is violence against women. The proposition "Kvinnofrid" was approved by the Swedish parliament in 1998 and proposed an extensive effort to increase knowledge and awareness of IPV among occupational groups, mainly in the health care system. These professionals are also often directly involved in the care of victims of IPV. The main purpose of this study was to investigate attitudes and level of knowledge among nurses about violence in an intimate relationship.

AbstractFor several years, the organic food sales have increased, and more are choosing to buyorganic food of more diverse causes. Unfortunately the sales have slowed down the past year,a lot depends on the Swedish economy has been in decline and it has led to more will checkone more time on the price. But even if the sale value has decreased, the amount of organicfood has increased, it is because many stores have their own organic brands and they can pushprices down.The internet has become a great help in our daily lives, we do most our business via theInternet. But now we are not just paying our bills through the Internet anymore, we shopclothes, movies, music and books too. E-commerce was become more serious last decade andhas grown every year that has passed.

This study is a discourse analyse of texts concerning the criminalizing of bestiality andonthological questions around it. This essay has been written as an qualitative analyse of three media texts: Swedish and Danish animal protection laws, interpellation of criminalizing bestiality in Swedish Parliament as well as the discussion forum, "Nordisk Zoofil Forum".The study indicates that bestiality can be understood as inacceptable through discourses about normality, naturalness, moral, sexual pleasure or discourses which comprehend sexual abnormalities as a consequence of each other. On the other side bestiality can be understood as unaccebtable through discourses about sexual needs, sexual identities, love or sexual pleasure. Also the idea about one practising bestiality seems to be gendered as a male person..

The purpose of this thesis is to deepen the understanding of our contemporary description of digital literacy using the perspective on knowledge from the Nicomachean Ethics by Aristotle. I have chosen to deal with the problem using a hermeneutic approach. The method of inquiry is based on close reading of the selected literature. The selection itself has been made after a strategic selection regarding perspective on knowledge and digital literacy. It appears in the thesis that there are substantial differences but also similarities between our contemporary description of digital literacy from Recommendation of the European Parliament and of the Council of 18 December 2006 on key competences for lifelong learning and the perspective on knowledge from the Nicomachean Ethics by Aristotle.Still, the result has been possible to use for the purpose of the thesis since the problem has an answer and a deepened impression of the understandings of digital literacy..

Abstract The 1st of January 2009 there will be a new discrimination law in Sweden. That means that the Parliament finally will interpret three EC-directives in there entirety. The new law means that the present discrimination laws will be merged to one law. The situation for disabled persons on the labour market has improved, since the discrimination law was founded in 1999. The Labour Court got some cases to judge and media has attracted attention to disabled persons rights.