The Swedish bank Handelsbanken has, according to their own way of measuring, been more successful than a weighted average of their competitors during the last 38 years. They have also handled the recent financial crisis, as well as the one in the 1990´s, better than most other banks. This paper studies their management control system at branch level in order to identify the controls which have been enforced to ensure that a low risk level is retained in the lending. The controls that have been identified are; (1) A decentralized organization with the offices as profit centers where the manager has restrictions regarding risk level and the results are measured as K/I (cost/revenue). (2) The absence of bonuses and individual follow-up regarding performance measurement.

This master thesis investigates how the county administrative boards communicate the regional risk and vulnerability analyses to municipalities in Sweden. Information has been gathered through a survey and through a case study involving three county administrative boards. The results revealed that there are possibilities to improve or develop the communication in all the county administrative boards. The information channels are often written or web based, these channels promote one way communication rather than a dialog. The thesis gives suggestion on how to work out a strategy for a more effective communication, the case study also gives ideas on how a county administrative board can work with communication..

År 2003 hade hela 90 procent av Sveriges befolkning i åldern mellan 16-75 år, enligt Statistiska Central Byrån, tillgång till mobiltelefon. När mobiltelefonanvändaren använder mobiltelefonen blir han eller hon automatiskt sårbar för övervakning i form av bland annat mobil positionering. Mobil positionering är en teknik som används för att ta reda på var en viss mobiltelefon befinner sig geografiskt vid en viss tidpunkt. Är mobiltelefonen påslagen är det också möjligt att ta reda på dess geografiska position. En viktig aspekt med mobil positionering är skyddandet av den personliga integriteten.

Syftet med studien är att identifiera om det finns någon skillnad i risk mellan svenska män och kvinnors aktieportföljer. I undersökningen av individernas riskbenägenhet används tre riskmått, total risk, marknadsrisk och unik risk, som enligt portföljteorin går att koppla till en individs aktieportfölj. Ålder och inkomst används som kontrollvariabler för att studera om eventuella skillnader i riskbenägenhet mellan könen kan förklaras av andra faktorer än kön. Studien baseras på en kvantitativ undersökning och sekundärdata från en unik databas. Urvalet för studien består av knappt 900 000 observationer av svenska individers aktieportföljer, med kontroll för kön, ålder och förvärvsinkomst.

I detta arbete undersöker jag frågan om hur arbetsgivarnas policy för de anställdas datoranvändning under arbetstid ser ut. Jag har gjort en jämförelse mellan kommuner och verkstadsföretag inom Västra Götaland.Rapporten inleds med en introduktion till privata angelägenheter, personlig integritet och kontroll av de anställda. Vidare behandlas hur en policy ser ut, behovet av en policy och hur det ser ut hos arbetsgivarna gällande policys för datoranvändningen. I denna del tas bland annat tidigare undersökningar och publikationer upp.För att kunna besvara denna fråga har jag använt mig av enkätundersökning. 11 kommuner och 11 verkstadsföretag ingår i undersökningen.

Rysslandsfonder är en av många fonder som finns tillgängliga för att investera i. Ryssland har haft en starkutveckling de senaste åren. I uppsatsen görs en jämförelse av utveckling och risk mellan Rysslandsfonder och den svenska markanden representerad av SIX Return index. Utvecklingen hos Rysslandsfonderna har månadsvis under perioden 1999-2005 varit betydligt mer gynnsam än för det representerade Sverige index. Risken med standardavvikelse som en indikator för detta visar att det innebär en större risk att investera i Rysslandsfonder.

ABSTRACTTITLE The investors guide to hedge fund strategies ? A comparing study of hedge fund strategies on the Swedish market.COURSE Bachelor Thesis in Finance KEYWORDS Hedge funds, Hedge fund strategies, Swedish hedge fund market, Investors, Average return, Riskadjusted returnThe ThesisInvestor?s general knowledge about hedge funds and hedge fund strategies, is compared to other investment alternatives low. The purpose of this thesis is therefore to clarify to investors how examined hedge fund strategies separate concerning risk and return in hedge funds. This, in order to facilitate for investors understanding which hedge fund strategy will be more suitable for them. To achieve this, the thesis is mainly focusing on quantitative data, which is complemented with qualitative findings in terms of a questionnaire.

I alla tider har människor inlett relationer med varandra men sättet att göra det på har kommit att förändras. Idag har nätdejting vuxit fram som ett internetbaserat forum speciellt designat för att man där skall kunna hitta och kontakta partners. Denna studie undersöker användarnas upplevelser av nätdejtingsprocessen. Den syftar till att beskriva och förstå användarnas upplevelser av att interagera med individer via nätbaserade forum i syfte att utveckla någon form av relation. Det metodologiska angreppsätt som valts för att besvara detta är Barney Glasers variant av grundad teori, detta för att förutsättningslöst kunna undersöka området och låta en relevant problemställning växa fram ut data.

The purpose of our essay is to investigate and compare the general and operational risk management in the private and public sector. As an introduction to the subject we describe the differences and similarities between the two sectors. Our survey is based on the term risk, the definitions of risk management, its development and finally the process of risk management. Since our survey is focusing on operational risks we also describe the operational process and the specific operational risks.The method we used to investigate the subject is a quantitative method. A survey was sent to 100 companies in Sweden, of which 50 were private companies and 50 were public companies.

Bakgrund: Lagen om stöd och service till vissa funktionshindrade trädde i kraft 1 januari 1994. Den skulle garantera personer med omfattande och varaktiga funktionshinder bättre levnadsvillkor genom att de fick rätt till bland annat personlig assistans. Arbetet som personlig assistent i hemmet hos personer med olika typer av funktions-nedsättning kan se mycket olika ut. Det har uppmärksammats att det finns brister i personliga assistenters arbetsmiljö. Syftet: Att beskriva personliga assistenters upplevelse av sin arbetsmiljö hos brukare som tillhör personkrets tre enligt LSS.

Some children develop externalizing and internalizing behavior problems at an early age. Previous research has often treated these children as a homogeneous group, the purpose of this study is to show that this group of children is in fact heterogeneous. Data from theSOFIAstudy was used and preschool pedagogues were informants. The sample contained 2121 boys and girls between 3-5 years. Groups of children with the behavior problems and the risk factors AD/HD symptoms, fearlessness and callous-unemotional traits were created.

Wind and wind damage has become a hot subject because of the storm ?Gudrun? in January 2005. The main purpose of this study was to establish how the land owners attitude toward preventive wind damage actions was changing immediately after they had been struck by a storm. The result of the study was built on interviews. In springtime 2005 a total number of 20 private land owners were interviewed. Ten of the landowners lived in the province of Småland and ten in the province of Värmland.

Personal trainer is a profession that has grown strongly in recent decades, and has become increasingly common in the labor market within the health sector due to the widespread and growing interest in health and self- improvement. Further more, personal training is a great example of occupations with a close interaction between producer and consumer. The purpose of this study was to examine whether and if so how, personal trainers experience that the relationship with the clients affects their own personal development. This by finding out what impact the profession has had on the personality, what impact the relationship with the clients has affected the leadership, and last what impact the relationship with the clients have had on the personality based on social and mental aspects. Based on the purpose of the study qualitative method was chosen and data was collected with qualitative interviews.

This master thesis encompasses an inventory and risk classification of four disused landfills within the municipality of Uppsala, Sweden. The model of the classification; ?Method of Surveying Contaminated Sites? is developed by the Environmental Protection Agency and can be used as a framework to investigate and describe the environmental damage and the level of risk for each object. The risk classification model has a rating from 1 to 4, where 1 represents a very high risk while 4 is a small risk. Risk class depends largely on the type of land use that exists on the object, and hence, various benchmarks must be taken into account.

Background: As a result of the financial markets ever ongoing product innovation a new derivative was introduced in the USA in 1997. A derivative that derived it's value, not from the price of an underlying asset, but instead from a climate factor. It's been known for a long time that revenue in certain industries are affected by weather conditions. The suppliers of weather derivatives claim that these weather sensitive businesses can user weather derivatives in order to lessen weather risk. Purpose: To do a critical evaluation of how weather derivatives can be used by companies as a risk management tool.