Syftet med denna studie är att få en förståelse för hur mäklare uppfattar att de förhåller sig till, och tillämpar, lagar och etiska riktlinjer i sin yrkesutövning..

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.

One could argue that the most discussed topic in finance is whether or not it is possible to ?beat the market?. Even though many people claim to do this, there is little evidence to support the idea that one can consistently beat the market over a long period of time. There are indeed several examples of investors who have managed to outperform the market consistently for a long time, but the efforts of these individuals or institutions could by many be considered to be pure luck.One of the many strategies that have been evaluated by several researchers and is said to generate a risk adjusted return greater than that of the market, is one based on the P/E-effect. This strategy is based on the financial ratio P/E ? price divided by earnings ? and used by constructing portfolios consisting of stocks with low P/E ratios.

Deregulation on the market for agricultural products leads to a more globalised market with increasing price fluctuations. This, in turn, places the farmer in positions influenced by new risks but also improved opportunities. The farmers are faced by uncertainty in terms of financial outcome. To be able to utilise these new market conditions it becomes increasingly important for farmers to continuously follow the price trend, and to develop strategies how to manage the risks exposed by a volatile market. Farmers with different conditions perceive risk in different ways. Hence, their risk management behaviour will vary.

Among those who graduate from the various schools of Social work in Sweden are a great majority women. At the same time men are sought after in the work field.  But not just to level up the equality between the sexes, but also to fill a gender specific niche to counter up a need for male role models. But a closer look at this need and the types of functions set to cater for it shows that male role models as a concept vary between contexts. In this study we examine the concepts and the practices of male role models in three different settings: a municipal social care center offering young boys male bonding activities; a non-profit organization warding young people from drug abuse and criminal behavior; and last, a long term residential home for young boys between the ages 13 and 19. Our research shows that the concept of the male role model vary between the organizations and less so within.

This bachelor thesis, written as a part of the European Studies at Gothenburg University, is concerned with the European Unions? (EU) climate political governance in their both climate- and agricultural policy, and in particularly the question whether it is sustainable. This thesis intends to problematize if it is possible for the EU to continue to pursue its current agricultural policies, while at the sametime maintain its role as a sustainable actor on the global arena. The framework of theEUs? climate policy governance disciplines this analysis.

The objective of this work was to introduce measures to reduce energy and water demand at Gävle Söder 17:10. To succeed, this energy audit has been made. The work is based on collected statistics from the property owner Norrporten, measurements, literature review and through consultation with experts in the field. Two models, one for each building, have been created in the simulation program BV2 to estimate the potential of energy measures based on the collected information. The models in BV2 have been verified against the statistics of the energy consumption.With the help of calculations and simulations, seven cost-effective measures have been identified.

We have performed a study much similar to Ritter?s (1991) about long-term aftermarket performance of IPOs on the Swedish market during the years 1990 to 2002. The study resulted in evidence for that Swedish IPO do underperforms their benchmark-portfolios during a 36-months period. Though, the grade of underperformance depends of the chosen benchmark. The study is mainly focused on a particular benchmark, a portfolio of non-issuing firms matched by size and sector.

This study will shed light on the subject of system management and system management models. It is important that everyone within an administrative organization understand business objectives and needs of the users who work with the systems. It is vital for the activity to form a structured approach for its management, which includes a system management model. Every company has its individual system management model that is tailored to support their management of a business IT systems. According to Brandt (2000), a system management system model is defined as "an idealized image of how you want the system management work is conducted".

This study has a double purpose. First, it explores and maps out the use of quantitative key indicators in social performance reporting within a microfinance portfolio. This was done on behalf of Storebrand Asset Management, who would like to aggregate and report the social results of their microfinance investments to their customers. The study concludes that the extent of social reporting and types of indicators used varies, meaning that it is hard to aggregate data for use in further reporting. Thus, the work towards the goal of social reporting has only just begun.

Problem: How has Nordea been adapted and influenced by the change of Basel II and how have the employees reacted on the new change?Purpose: This essay has a purpose to study how Basel II has influenced the credit rating at Nordea. We also want to study how the employees have reacted to the new change.Method: To receive the information that was necessary for this study interviews were performed with the employees at Nordea. The interviews were an effective way to start a discussion and by that we received important information.Basel II is new capital cover rules that the Swedish banks have introduced. These new rules mean that it will become more important with safety when it comes to risk management and credit giving.

In the paper we bring up and analyse the attitudes librarianshave towards youth and youth programs in the public library.The purpose is to raise awareness among librarians and tomake the process of change and development. We have usedsemi structured interviews in order to answer our researchquestions and conducted the interviews with five librarians incharge of the youth programs in different public libraries. Inthese interviews we asked about their views on youth as auser group, youth programs and how this affects theiropinions on the roles of the public library. We have also triedto see how the librarian?s opinions differ from how thelibrary runs their youth programs today.We have used two different models as theoretic framework.One of them has defined three different roles of the publiclibrarian and is constructed by Maj Klasson and the other is adeveloped version of Andersson & Skot-Hansen?s classicmodel of the roles of the public library made by Jochumsen,Rasmussen & Skot-Hansen.

I detta examensarbete har jag tillsammans med min kollega Markus Eriksson spelat in sju musikstycken med tydligt bera?ttande funktion. Dessa sju musikstycken fungerar som filmmusik till fyra olika historier som utspelar sig i ett la?genhetshus, ett introstycke som sammanfattar hela den musikaliska ide?n, ett stycke som gestaltar gatan samt ett stycke som beskriver ka?nslan i trapphuset. Materialet utgo?r en del av min portfolio och fo?rhoppningsvis kommer detta projekt o?ka mina mo?jligheter att fa? skriva musik till ro?rlig bild i framtiden.

In Sweden approximately ten percent of all children grows up in a family where at least one parent is having an alcohol related addiction. Since 1998 the development of group activities for children in this situation has been immense. The aim of group activities is to break the child's isolation and make them feel that they are not lonely in their experiences, give them knowledge about addiction and relive the pressure of guilt and responsibility.In a comparative study we examined studied how two different group activity models one with the conception of illness and one without, use the children's network to support the group process. The aim was also to find each models definition of the "normal family", since we understood the groupactivity as a part in the normalization process. We reached our aim through interviews with group leaders and by literature studies.

The New National Elevation Model (NNH) is a new high-resolution digital elevation model (DEM) of Sweden from airborne laser scanning. It creates many new opportunities, particularly in the area of flood mapping. NNH is provided by Lantmäteriet in two formats, both in raw LIDAR (Light Detection and Ranging) data and in grid format with two meter resolution. These alternatives have advantages and disadvantages and the aim of this thesis research is to identify these. One of the focuses of the study is data storage and thus data structure analysis, resolution and storage facilities. The research questions are:Why and in what context the different NNH-products from the National Land Survey are used (DEM 2+ or point cloud)?What constraints and opportunities are created by the different options, mainly in terms of different software, resolution, and data storage?The study area is Kärsön in Ekerö municipality located in Stockholms län and has an approximate area of 25 square kilometers. The study is divided into two parts. The first objective is to identify the consequences of using different software to create DEM from pointcloud compared to the DEM2+ model. Height models with a two meter resolution are created in FME and ArcGIS. The models are then compared with the grid from Lantmäteriet, created in TerraScan. The second objective is to examine the impact of the change in resolution, both the storage aspect and both the accuracy aspect. Inverse Distance Weighted (IDW) is an interpolation method which in previous studies proved to have the best results on high resolution LIDAR data. This model was tested and compared with a model from FMEs built-in function and the model from Lantmäteriet wich are based on triangulation (also proved a good method in previous studies). The grid created in TerraScan has good properties such as accuracy.