Managing credit risk might be the single most important business area for any commercial bank. The assessment of "good" and "bad" corporate clients is a important task for a creditor. A bad debtor is a corporate client with hardships in meeting the continous claims (interest payments) that a creditor requires. One way of evaluating or separating a "bad" client from a "good" client is to assess the propensity for the client to file for bankruptcy. This thesis examines 226 firms in the Swedsh market in the quest of predicting corporate bankruptcy.

Syfte: Syftet med denna studie var att jämföra graden av smärta och illamående hos två patientgrupper inom ortopedi som smärtlindrades med tablett Dolcontin/Depolan/Morfin eller tablett Oxycontin/Oxynorm postoperativt dag 0, 1 och 2. Syftet var även att undersöka vilka riskfaktorer enligt Apfel Risk Score som kan påverka grad av illamående samt att undersöka om en korrelation fanns mellan preoperativ information och incidensen av postoperativt illamående och kräkning (PONV).Metod: En komparativ studie med kvantitativ ansats. Data samlades in genom två olika enkäter, varav en enkät fylldes i av patienterna och en enkät av sjuksköterskorna. 48 patienter inkluderades i studien, 24 per substans. Både kvinnor och män som genomgått elektiva knä- eller höftarteroplastikoperationer deltog i studien och de var mellan 31-77 år.

This study examines how to translate digitally composed symphonic music to note script and how it gets readable and playable. With the help of professional musicians from the Norrköping Symphony Orchestra, teachers from Kulturskolan in Norrköping as well as other musicians, I have learned how I can improve each individual stem in my composition. I also learned how to write for a real musician. My score have been analyzed by composers and a conductor which have given me a more in depth insight into composing symphonic music.The theory section describes important MIDI aspects, score preparation and note editing techniques. Thereafter is a section about the symphony orchestra and its instruments? history and how the situation is today.

This essay is about what considerations foster home secretary may face in their profession and how they use themselves as a tool. We were interested in the family home secretaries as a profession and we found that this area is relatively unexplored. The essay is based on semi-structured interviews with ten family home secretaries from seven different municipalities. To interpret our results, we used Mead's theory of "Mind, Self and Society". Our paper shows that family secretaries are faced with a variety of considerations in the selection of foster homes.

ABSTRACTThis project thesis has been written at the request of Mälardalens University, Västerås.The aeronautical engineering students at Mälardalens University and the pupils of Hässlö upper secondary school, all gets the opportunity to perform a computation lab with a real turbojet engine during their study. The goal of the lab from the University is that it should give the students applied experience from the theory part of which has been tought in the course ?Aircraft Engine Technology?.                      The pupils of the Hässlö upper secondary school are performing simpler calculations from the measured values of the equipment. This turbojet engine is located at Hässlö airport in the premises of Hässlö upper seconday school.Since the installation 1989, the engine has lost both thrust and reliability. This makes the theoretical computations made by the students inaccurate.

Ungdomarna idag tillhör en generation som kallas för Generation Y och de särskiljer sig från tidigare generationer med ett antal karaktäristiska drag. Dock, är det inte endast dessa drag som kan urskiljas utan även ett annorlunda riskbeteende gentemot tidigare generationer. Experter är eniga om att det finns ett flertal faktorer som påverkar individers riskbenägenhet och att faktorerna varierar beroende på individens ålder. Detta leder oftast till att när ämnet undersöks, riktar forskarna in sig på en viss åldersgrupp eller generation. Det begränsat med forskning som specifikt tar upp Generation Y och riskbenägenhet. Därav är syftet med denna forskning att undersöka hur utvalda demografiska faktorer påverkar riskbenägenheten hos studenter ur Generation Y. Uppsatsen antog en positivistisk forskningsfilosofi med ett beskrivande syfte.

The aim of the present study was to estimate the correlation between Euro NCAP pedestrian rating scores and injury outcome in real-life car to pedestrian crashes, with special focus on long-term disability. The study also surveyed most frequently injured body regions and risk differences for specific elements of pedestrians hit by cars. Another aim was to determine whether Brake Assist systems affect the injury outcome in real-life car to pedestrian crashes and to estimate the effect in injury reduction of a high Euro NCAP ranking score combined with Brake Assist.In the current study, the Euro NCAP pedestrian scoring was compared with the real-life outcome in pedestrian crashes that occurred in Sweden 2003-2010. The real-life crash data was obtained from the data acquisition system STRADA, which combines police records and hospital admission data. The medical data consisted of International Statistical Classification of Diseases and Related Health Problems (ICD) diagnoses and Abbreviated Injury Scale (AIS) scoring.

This paper explores a model for self-assessment of purchasing maturity in large companies. The author adapts contemporary purchasing theory and further enhances existing tools and procedures to create a survey based instrument for maturity measurementThe paper also explores potential methodological challenges associated with conducting a more extensive study of purchasing maturity via the proposed model. A preliminary study is made and the learnings discussed.The preliminary findings of the survey indicate that the purchasing maturity varies with industry. The purchasing function average score was found to be 3,4 out of 6 with samples spread across the whole spectra ? agreeing with previous theories stating that the purchasing maturity is highly varied between different industries..

Our study illustrates health communication in order to find out how widespread the knowledge is about osteoporosis and how to reach out with health information to the public. Our essay was conducted through quantitative surveys, which included 402 respondents. This in order to highlight the prevailing uncertainty about the public disorder osteoporosis, which is common in Sweden. We wish to examine trough which channels our respondents choose to collect their health information. The thesis framework includes theories such as McGuire?s ProcessingTheory, Agenda setting, Two-step hypothesis and Diffusion of innovation. Through these theories, we analyzed our empirical data that emerged. The results showed that our respondents had very low knowledge of osteoporosis, although theyshowed interest for health information. The results also showed that respondents were consistent intheir actions regarding which channels they came to turn to. They prefered their health informationfrom news papers and family, friends and work colleagues. When asked where they got their information from, the respondents answered mostly from family, friends and work colleagues, followed closely by newspapers. This shows that respondents are more receptive to informationfrom the channels of their own choice. The results also showed that the propensity to change behavior increases with the age of the respondents..

Allt eftersom världen blir mer globaliserad ökar konkurrensen på marknaden. Detta sätterpress på företag vilket leder till stora behov av effektivisering. Företaget Toyota har verkatframgångsrikt på marknaden, detta har medfört att deras verksamhetsstrategi fått storuppmärksamhet. På grund av dess resurssnåla och effektiva tillvägagångssätt kom dennaverksamhetsstrategi att kallas Lean. Lean berör alla delar i en verksamhet, en del företagbörjar endast tillämpa Lean-produktion.

Applications for mobile devices, also known as apps, are today the backbone of a huge market where the company Apple is one of the key players. Apple develops, among other things, handheld electronic devices, which are powered by the operating system iOS. Through iOS, millions of customers get access to Apple?s App Store.During a period of two months, an app in the form of a game has been developed for iOS in the programming language Objective-C. The user of the app is presented intuitive menus and interactive graphical objects that seemingly obey physical laws.

The ability of emigrants to contribute to their homelands through the sending of remittances has been intensely recognised in recent years. This is especially true for developing countries for whom this money is seen to be an important source of funds from abroad. Eritrea is often mentioned in terms of success in the way they have mobilised the capacities of their diaspora. Since the Eritrean independence in1993 adults in the diaspora have been asked to contribute two per cent of their income to the Eritrean state. They have also been asked to make other donations at times of need.

The purpose of this discourse-analytical study is to investigate teachers? beliefs about writ-ing and writing instruction and how their beliefs and writing instruction can be understood in relation to the Lgr11 syllabus in Swedish. The study included five teachers who teach in grade 6 of primary school, where I applied Roz Ivani??s theories of written discourses, based partly on interviews with teachers and classroom observations of teaching, partly on the Swedish curriculum for grades 4?6. The result shows that teachers move within creativi-ty, process, genre and social practice discourse, while the skills of discourse and the socio-political discourse lack matching.

This study is a quantitative study designed to examine whether training in health issues may have contributed to the increase in head managers' psychological capital (PsyCap). Construction consists of the following components: self confidence, hope, optimism and resilience. A high PsyCap considered beneficial in organizational change and steer towards the positive development and helps individuals in stressful situations. The results show an increase of characteristics such as hope and optimism among managers (N = 15) who have undergone training in health issues compared with managers who have not undergone training. However, the tests show no significant difference in head managers' attitudes to health breaks, not the severity of granting health breaks in the groups as a result of training.

The Swine flu (H1N1) erupted in 2009 and wasquickly spread over the world and developed into a pandemic, with a great threat against people?s health. It was soon discovered that the H1N1?virus had a different character than the seasonal flu, since it especially affected younger individuals and the consequences from the disease were expected to be more severe. In Sweden it was decided to provide a free of charge vaccination against the H1N1-virus, and the Swedish vaccination ratiobecome relatively high compared to other countries.