Our purpose of this paper is to seek an understanding of which service quality factors that affects customers in their decision making progress regarding purchasing financial services such as pension products. We also seek to evaluate the different service quality factors by compare their relative strength against each other. The study aim to investigate if there are any connections between customer behavior variables such as gender, age and income in comparison to these service quality factors related to pension products.The findings aim to help a small financial institute such as our case company Plain Capital to understand how their customers experience service quality regarding pension products.In order to find empirical results we conducted a qualitative research as well a quantitative research. The qualitative research employed both a focus group interview with pension savers and an interview with our case company Plain Capital. We were able to identify the service quality factors for pension?s products with help from the focus group interview.

Östersjön har alltid varit en viktig knutpunkt för de länder som angränsar dit för att göra det möjligt att handla med varandra och på så sätt skapa en internationell marknad sinsemellan varandra. Under 1700-1800-talet tog produktionen fart och tack vare merkantilismen utvecklades den internationella handeln. För att fastställa deras växelkurs har många länder använt sig av olika myntfot såsom till exempel guldmyntfoten där valutans värde bestämdes utifrån värdet på motsvarande mängd guld vilket innebär att växelkurserna var fasta. Utifrån guldmyntfoten utvecklades teorierna lagen om ett pris och köpkraftsparitet med principerna om att en enhet valuta ska ha samma köpkraft även i andra länder vilket innebär att en vara ska kunna köpas för samma mängd av valutan oavsett om det är inrikes eller utrikes. Dessa teorier har studerats flertalet gånger, både för kort och lång sikt, med fåtalet länder till ett större antal.Denna studie använder sig av teoriernas grundidé och testar huruvida PPP i dess absoluta samt relativa form håller för Östersjöns handelsområde.

The globalization that has occurred during the last few years has made it more important for companies to have a well-functioning logistics system. Customers demand more options, which lead to an increased flow that creates greater demand regarding packaging and transports. Diverse logistics costs are nowadays a substantial cost for many companies. Therefore, more effort is aimed at optimizing transportation to lower these costs.The purpose of this project is to create a user-friendly calculation of logistics costs that illustrates how the costs vary, depending on how the flow is structured. This is done by examining which aspects that affect the total logistics costs and by mapping which aspects that should be included in a calculation of the logistics costs.Literature studies have been carried out parallel with empirical studies at Scania's production unit, MC, in Oskarshamn.

In order to suggest improvements for the logistics of STARKA, we felt that we had to analyze all the activities which were related to STARKA's logistic processes. Our primary analysis consisted of a rough but comprehensive description of different functions in the company, and the relationship between them. This was performed by following a typical order through the company to see which functions were affected by the order.Since we needed a more thorough view of the company, we decided to analyze the different products STARKA currently has on the market, focusing on economic data such as turn-over, profit, profit margin, deficiency cost and cost of warehousing. We also analyzed the company's choice of manufacturing processes, organization, warehousing processes, strengths and weaknesses.These analyses gave us a clear understanding of the company and its processes. STARKA is a small, function oriented company with a wide range of products.

Most companies have a bottleneck in their production, that is a constraining re-source. When the demand is higher than the capacity in the constraining resource it is impossible to produce the demanded output. This problem leads to delayed deliveries, unhappy customers and ultimately to decreased revenue. Bottlenecks therefore has a significant role in production and must be handled thereof.MW Power in Sävsjö, Sweden designs and manufactures water and steam boilers for the customer's unique needs. MW Power invested in a new plasma cutting ma-chine but the machine has not reached the expected capacity.

The community Vessigebro, in Falkenberg and its surrounding areas housing one percent of all dairy cattle and two percent of all pigs in Sweden. This means that there is a large amount of manure as a basis for producing biogas in the area. A number of farmers have therefore formed a cooperative named Vessigebro biogas and started the project Green Vessigebro, with the goal of creating the conditions for a more profitable and more sustainable agriculture production.The study deals with the conditions and sale opportunities of the feasibility study Green Vessigebro. The study has looked at the work that was previously carried out for the biogas that could be produced on the farms in Vessigebro, The main pipeline for natural gas on the Swedish west coast and its operators, the Swedish Competition Act , Electricity Act , Natural Gas Act, the District Heating Act , Sustainability Act , previously proposed measures, municipality interest in biogas from Vessigebro , possible collaborations, possible sale opportunities and perform calculations with data from the municipality Ljungby for a suggested transportation of biogas between Vessigebro and Ljungby.The study shows that there are several interesting sale opportunities for biogas from Vessigebro. The production and use of biogas in Sweden is increasing and the trend seems set to continue.

I takt med förändringar såsom ökad globalisering och teknologisk utveckling har begrepp som riskhantering vuxit fram som en vital del av företags långsiktiga strategi. En del av ett företags riskhantering bör innehålla en plan som anger hur den operativa verksamheten kan fortgå när en kris inträffar. Detta kallas för kontinuitetshantering, vilket är desamma som hantering av operativa risker. I en rapport från 2005 fastslog Finansinspektionen att det fanns generella brister i kontinuitetshanteringen inom den svenska finanssektorn då kvalitén och omfattningen på företags kontinuitetsplaner varierade kraftigt.Denna studie genomfördes i det övergripande syftet att analysera hur svenska finansiella företag hanterar de risker som uppkommer i den dagliga verksamheten och om detta görs på ett tillfredställande sätt, givet Finansinspektionens rekommendationer och brittisk standard för kontinuitetshantering. Studien ämnade också undersöka vilka faktorer som driver företagens kontinuitetshanteringsarbete och identifiera förbättringsmöjligheter.Det teoretiska ramverket utgjordes av Finansinspektionens vägledande dokument för kontinuitetshantering samt den brittiska standarden BS25999.Vi valde att undersöka hur väl finansiella företag hanterar operativa risker samt om de följer de riktlinjer som finns, genom en så kallad mognadsmodell.

AbstraktTitel: Leksaker i den digitala tidsåldern ? Leksaksbranschens bemötande av nya preferenserFörfattare: Sandra Nilsson och Victor TydesjöHandledare: Leif RyttingKurs: Företagsekonomi III ? examensarbete 15 hp. Linnéuniversitetet VT 2014SyfteVårt syfte med uppsatsen är att undersöka hur leksaksbranschen har förändrat och kommer att förändra sin verksamhet i den teknologiska tidsåldern. För att genomföra detta har vi fastställt några aspekter att undersöka:Butikernas nuvarande tillstånd gällande sortiment och arbetssättFörändringar som har skett gällande sortiment som en konsekvens av barns förändrade teknologianvändningLeksaksbranschens framtid som en följd av den fortsatta teknologiutvecklingenForskningsfrågan lyder: Hur påverkas leksaksbranschen av barns tidiga användande av olika former av digital teknologi?MetodVi har för denna uppsats valt att använda den kvalitativa metoden.

Offentlig upphandling används av den offentliga sektorn för att ingå avtal eller teckna kontrakt med leverantörer av varor och tjänster. Rapporter har visat att småföretag inte deltar i offentlig upphandling i samma utsträckning som större. Kostnader för företagen att ta fram anbud har angivits som orsak liksom att förfrågningsunderlagen är krångligt utformade och att kraven som ställs är irrelevanta. Kommunikationen mellan upphandlande myndigheter och företagen har beskrivits som otillräcklig och att kunskapen om det som upphandlas därmed blir lidande.Uppsatsens syfte är att undersöka kommunikationen mellan myndigheter och småföretag i samband med offentlig upphandling. Hur aktörerna kommunicerar, vilka hinder av kommunikativ karaktär som eventuellt förekommer samt hur dessa hinder kan övervinnas är de frågeställningar som använts.

Half of Sweden?s 140 000-150 000 sows are culled and replaced by 75 000 gilts annually. Culling of old sows is necessary and allows new breeding material to enter the herd. However, many of the culled sows are young, and have not yet become profitable at the time for culling. Therefore, it is an important question for the pig industry, how to raise gilts to sows with a high and sustainable production level.

The world economy of today is in an extensive financial crisis which has lead to the fact that people seek well placed investments and securing of capital, something that by many people can be found in forest investment. The price of forest estates has increased with 90 % during the last 5 years and marketing polls indicate a positive belief in the future among forest owners. The development of timber prices has not increased to the same extent as the forest property prices which implies that the property price not only reflect the yield value from the forest but also that the lumber value does not have such a meaningful role in the pricing of forest properties as proven earlier. This fact means that forest owners either invest their capital in forest in a speculative point of view or that the purchasers of forest properties invests in non monetary benefits that lacks a direct yield value. The purpose with this degree thesis is to increase the understanding of the pricing of forest properties with focus on the above mentioned fact.

Title: How does the buying decision process really function within e-commerce? - A qualitative study of consumer behavior when they consume on Internet.Institution: School of Economics, Linnaeus University, Va?xjo?.Course code: 2FE16E.Authors: Sara Hja?rne, Mathilda Perem, Ewelina Wallin.Tutor: Dan Halvarsson.Examiner: A?sa Devine.Key words: Buying decision process, purchase decision process need recognition, information search, evaluation, purchase decision, postpurchase behavior, consumer decision making, E-commerce, E- commerce channels, online shopping, online purchase, e-retail, internet shopping, electronic shopping, consumer behavior, online appereal shopping, social media, decision making, online retailing, website design, customer satisfaction, webshopping, perceived risk, convinience, price, online consumption behavior.Background: Buying decision process is a model that marketers use to get a better understanding of their customers and their behavior when purchasing a product. This process consists of five different steps; need recognition, information search, evaluation of alternatives, purchase decision and evaluation. Buying decision process has for a long time been an accepted model but scientists argue that the introduction of Internet as a channel for consumption has changed this process. The Internet has also led to a change of power in which customers today have greater influence, which greatly affects the buying decision process in e-commercePurpose: The purpose is to explore how consumers perceive their behavior when they consume through e-commerce.Research questions:How do consumers perceive the buying decision process they experience when they consume through e-commerce?How do consumers perceive different factors that are important to them when they consume through e-commerce?Methodology: Qualitative study, cross-sectional design, semi-structured interviews.Conclusion: This thesis shows that the traditional model of the buying decision process is not consistent with consumers' perception of how they are undergoing the process when applied to an e-commerce context.

This essay has been made on behalf of the co-operative society Mäster Grön, which is selling ornamental plants to retailers in Sweden. The aim of this study has been to find out what added value Mäster Grön gets from their co-branding with the Swedish Seal of quality. The main topic of discussion was; how much value added does this co-branding give to Mäster Gröns pot plants? Are there differences from a customer point of view in value added between a garden center and a retail store? How much weight does the costumer put on the branding when buying a plant? Does the customer know what the values of Mäster Grön and Swedish Seal of quality mean? Two questions of lesser worth were asked to the consumers about what they thought about the protective plastic around the plant, and if they were interested in getting more information about the origin as well as the method of production of the plant. The study was divided into two parts, one in which customers were observed and one where the customers answered a survey.

Society?s interest for environmental issues was reinforced in the 1960:s when the book by Rachel Carson, ?Silent Spring?, came out. She described a picture of a world without birds singing and this got the environmental debate going. Today, this debate has reached the corporate world since stakeholders are putting pressure on companies to show greater environmental awareness. Many companies show uncertainty when they are faced with these new market demands.

ABSTRACTTitle: Annoying television advertising - What is it about television (TV) commercials that are perceived as annoying and how does it affect the viewer?s purchasing behavior?Level: Final assignment for Bachelor Degree in Business AdministrationAuthors: Benny Berggren and Sofie ErenlöfSupervisor: Jonas KågströmDate: 2012 ? May Aim:Advertising can be found in many shapes and forms such as on: billboards, radio stations, public transport and of course on television. The last form of advertising is possibly one of the most effective and widely used methods of advertising due to the wide percentage of households with a TV in this technological age. One of the problems TV viewers have to face is the wide variety of TV advertisements which are repetitive and can be seen on numerous occasions throughout the day. This is only one of many factors that may cause irritation to the viewer if being executed wrong.