The last years? financial situation has contributed to an increased willingness from the banks to handle risks. The most important risk to cope with is a risk that is related to a customer?s ability to repay loans. Forecasts indicate that in the future, Swedish farmers will be facing profitability challenges, which points to a need to reconsider the banks procedures considering risk management in credit granting for agricultural businesses.Today?s risk management will be given two complements in this study.

AbstractA master thesis in business administration 30 hp, Jönköping International Business School, Spring semester 2012.Authors: Sarah Henningsson & Jim BörefeltSupervisor: Urban ÖsterlundTitle: Commercial real estate investment ? Factors from an investor perspectiveBackground and problem: In this study, we focused on the real estate investor and the factors and issues that may arise and affect real estate investment decisions. It has been put in relation to the other parties in the process of assessing and affecting real estate investment decision. The parties that we studied are real estate investors, banks, brokers and appraisers.Purpose: This study aims to describe and explain the factors that affect commercial real estate investments for investors, credit assessment conducted by the bank and valuation made by the broker and appraiser.Delimitations: We have chosen to limit the study to commercial real estates including residential, retail and office properties, industrial properties and combinations thereof. Agriculture buildings and forestry plots are not examined.

Background: The lack of knowledge regarding preschool children's mental health prompted Uppsala University, in collaboration with Uppsala Kommun, to start a study in which children aged 3, 4, and 5 years are screened using the "Strength and Difficulties Questionnaire" (SDQ). This screening method has been introduced into the majority of Uppsala County child care centers (BVC), and the nurses' experience of working with this method is examined in this paper.Method: A qualitative approach with semi-structured questions was used to interview ten nurses who pioneered the SDQ Method. The interviews where recorded, transcribed and analyzed using content analysis.Results: Three themes and nine categories were identified from the interviews. The themes were: "Attitude and motivation are important when working with the form", "Clearer overall picture with preschool answer", and "A tool to identify difficulties". The results show that the nurses were satisfied with the form.

Studies indicate that between 6-9% of all children has some type of voice problems. Voice problems in children may have different etiology and can affect all ages. In Sweden, there is a lack of a standardized questionnaire addressed to children with voice problems and their legal guardians. The purpose of this study was to translate and validate the Pediatric Voice Handicap Index (pVHI) in Swedish children aged 6 to 10 years. The study was carried out through an internet-based assessment form for children referred to speech and language pathologist/ phoniatrican due to voice disorders in Sweden and a matched control group of children without voice problems.

Det finns ett behov av personer som klarar av att generera en mängd fräscha, slitstarka och kreativa idéer under press. Denna undersökning omfattar hur mångsidiga Art directors kan arbeta för att framställa och producera material som håller hög standard. Fyra Art directors har intervjuats och givit sin åsikt i ämnet. Utifrån resultaten av intervjuerna och en mängd kreativa tekniker har vi utfört en grundläggande idéprocess. Resultatet av denna process är en konstutställning där vi har skapat ett koncept med fokus på miljö och framtid. - There is a need for people who can generate a large amount of fresh, durable and creative idéas under pressure. This investigation concerns how versatile Art directors work to manufacture and produce material of high standards. Four Art directors have been interviewed and given us their opinion on the subject.

The objective of this study is to understand how people with psychiatric diseases who are enrolled at a psychiatric clinic experience the recovery process and which internal motivations and external factors influence the process. The study is based on interviews with five people who have been enrolled at a psychiatric clinic. Another aim of the study is to understand how the importance of the outpatient care for the personal recovery and the improvement opportunities of the support from the rehabilitation unit that the interviewees see. The study is qualitative and abductive approach was chosen. This means that the study is based on empirical data supported by established theories.

This quantitative study, with qualitative elements, intended to investigate the empathic ability among students and its change during social work education in Sweden. The study used a self-assessment form in the form of a questionnaire sent out to 8 of the 15 universities around the country. Respondents who participated in the survey studied in semester 1 & 2 and semester 6 & 7. The instrument which were used, measure the empathy level of the respondents and was a Swedish translation of the instrument, the Interpersonal Reactivity Index (IRI) which is a proven self-assessment form. IRI consists of 28 questions divided into 4 areas (subscales), which together provide a score, where a higher score corresponds to a greater capacity for empathy.

The first Debt Relief Act was introduced in 1994 into Swedish law. The old Debt Relief Act was replaced on 1 January 2007 by the current Debt Relief Act. The current law is in many ways similar to the older law. The main change is the debt settlement process.The Debt settlement Act's main purpose is to financially rehabilitate over-indebted individuals. This aim should be balanced against the creditors' interest in getting paid for their claims.

Motives and reasons behind a decision to change the asylum process in Sweden are the central concern for this thesis. A symbolic political perspective will be applied in order to elucidate the symbolic factors that have influenced the decision process.The Aliens Appeal Board in Sweden will close down at the end of March 2006 and all pending and future cases will henceforth be decided by three administrative courts. This will be done in order to enhance the principles of legal certainty by making the process more transparent and oral. It is an extensive reform, but since very few amendments are made to the applicable substantive law it raises questions about the actual motives behind the change.One reason that seems to have had a major impact on the decision to close down the Aliens Appeal Board is the fact that the board is perceived as a symbol for an inhuman asylum policy. Transferring the process to the courts might ease the attempt to increase the legitimacy of the asylum process.

This is a graduation project in Innovation Management, which seeks to enlighten new theories within the major subject ? the multi?faceted innovation process.The reader is hereby invited to an insight in the more complex perspectives of these types of theories than what has previously been explained in simplified ways.We have conducted research on a company within the cleantech market; Cellkraft AB. The company develops and produces fuel cells amongst other products, which have emerged during their research and development in the fuel cell technology. Cellkraft works in a high?tech frontline market where innovation is key.

Följande arbete handlar om bedömning som ett pedagogiskt verktyg för att främja elevers lärande och kunskapsutveckling, en så kallad formativ bedömning eller bedömning för lärande. Arbetets forsknings- och litteraturgenomgång behandlar, utifrån syftet, vilka förutsättningar som krävs för en formativ bedömning och hur lärare kan arbeta med en sådan bedömning. Skolans styrdokument förespråkar en formativ bedömning, varpå undersökningens syfte är att beskriva hur denna bedömning upplevs av elever för att kunna analysera och påvisa vilka förutsättningar eleverna ges till att utveckla sitt lärande.Utifrån arbetets inriktning fokuserar undersökningen på elevers upplevelser av den formativa bedömningen i de samhällsorienterade ämnena, i grundskolans tidigare år. Arbetets syfte är uppdelat i de preciserade frågeställningarna:Vad innebär det att arbeta med formativ bedömning?Hur upplever elever bedömningen i de samhällsorienterade ämnena?På vilka sätt blir eleverna involverade i bedömningsarbetet i de samhällsorienterade ämnena?Undersökningen genomfördes med fokusgruppsintervjuer, med totalt 15 elever i årskurs 5-6 uppdelade i fyra olika fokusgrupper.

This paper examines the power producing dams along the Ume-river as an integral part of and a result from the urbanization process in Sweden during industrial capitalism. The aim of the paper is to contribute to the knowledge of the urbanization process in Sweden in general and of its traces along the Ume river in the county of Västerbotten in particular. The paper applies the theory of concentrated urbanization and extended urbanization put forward by Neil Brenner and Christian Schmid (2015) and argues that the building of power producing dams along the Ume-river is part of an extended urbanization process. This becomes particularly evident when examining the vast physical structures that is the dams, situated in an otherwise remote and sparsely populated area. These vast physical structures are also very well connected to a nation wide electric grid that has connections to bordering countries as well.

Efficiency has become an important objective for many providers of welfare services. Among Swedish schools, both private and public, increased administrative demands seemingly influence operations, and affect teachers negatively through perceived stress. Simultaneously, Swedish students scored an all-time low in the latest PISA survey, and are now performing below the OECD-average in science, mathematics and reading. A central administrative task in the Swedish elementary school is the parent-teacher conference, which is an important activity in supporting the development of the student's knowledge and social skills. Lean is a well-established operations framework, which has proven successful in order to improve process efficiency.

This thesis investigates how web agencys in Stockholm use, value and incoroprate the terms usability, user experience and interaction design in their work process. The purpose of this study is to investigate how creative professionals works with the notions of usability, user experience and interaction design with focus on the end user. Our definition of creative professionals is every employee at a web agency involved in the work process of developing digital artefacts in any capacity. We wanted to investigate how these notions are considered, consciously or unconsciously, during the workprocess. Semi-structured interviews were conducted at three different web agencys with eight different employees.

The object for this study is a company developing and manufacturing vehicles for heavy transportation. The company distributes their products on a global market. Therefore the company is required to have efficient internal production development processes in order to successfully beat the competition. The purpose of this master thesis is to study how this particular company intends to implement their standardized theoretical product development process within their organization and how well it is done. We intend to identify and specify if the process has any unexploited capacity.