This study examines the effects of credit risk and information disclosure in the new bank regulating system Basel II on bank and bank customer. The effects are then discussed in a perspective of the economic man and information asymmetric theories. Furthermore is the Basel II effects on the capital adequacy of Andelsbanken för Åland examined.The approach of the study is qualitative and several interviews with individuals on different levels of the examined bank, Andelsbanken för Åland, have been carried out during the collecting of empirical facts about the effects of the regulating change from the Basel I system to Basel II.The research findings are as follows:Andelsbanken för Åland have increased its capital adequacy ratio from 12,7 percent to 14,4 percent, mostly due to lower risk weights on housing mortgages compared to Basel I. Andelsbanken för Åland have started to use a completely new credit risk and customer assessment system which classifies every customer and gives them a credit rating. The system cause a much heavier information gathering of the customers profile as well as a much better assessment of risk than the previous system, which the bank finds positive.

Forming teacher teams is currently the standard way of organizing teachers in Swedish Compulsory Schools. This is the result of a process that started in the 1970s.Traditionally the culture of teaching has been one of isolation. Once the door to the classroom is shut, what happens behind the door is up to the teacher to decide. Over the past thirty years a lot of time has been dedicated to making fundamental changes in the way teachers interact with their colleagues. Today the idea of teachers forming teams is generally accepted but still the core of a Swedish teacher?s job is that of a lone worker.

Manzai (??) is a Japanese comedy style similar to stand-up comedy but done by two people in the form of a dialogue. One is the Boke ?Funny man? and the other the Tsukkomi ?Straight man?. This work examines how manzai discourse is structured to create comedy by using the framework postulated by Abe (2006).

The purpose of the essay is to draw attention to my approach in relation to a boy I choose to call Emil, and how I can increase my understanding of his behavior. I explore conceivable reasons for why he breaks down so often, especially when other children are given attention. Is he simply unusually egoistic, and to a large degree only able to see to his own interests, or am I overlooking the real reasons for his actions.In order to explain the reasons for Emil?s apparent frustration in sensitive situations, I explore the significance of attachment theory. I argue about possible effects of Emil?s parents? way of describing and guiding him, as well as how I, and my colleagues, risk fulfilling and amplifying negative expectations.As the prime reason for his repeated sense of unhappiness seems linked to a lack of empathy, I explore different ways of understanding this, as well as how I might contribute to fostering compassion.

This essay investigates the statements of Växjö municipality?s motives for some of its many environmental projects. The aim of the essay is to be theory-testing as to see how a municipality/city which promotes itself as being ?green? motivates its efforts in the environmental area. Växjö city promotes itself as ?The greenest city in Europe?, an award appointed to the city by BBC and other international media.

Syftet med studien har varit att undersöka varför nyanlända flyktingar tackar nej till ett Migrationsverkets kommunplaceringserbjudande och väljer att bosätta sig i Göteborg, samt hur inneboendesituationen påverkar deras tillvaro. Våra huvudfrågeställningar är ? Hur beskriver flyktingar anledningar till att de tackar nej till kommunplacering?? Vilken roll spelar informationen om kommunplacering från Migrationsverket inför beslut om bosättning i Göteborg?? Hur upplever de sin nuvarande inneboendesituation och dess inverkan på deras tillvaro?För att nå syftet har vi använt oss av en kvalitativ forskningsmetod som består av intervjuer med fem nyanlända flyktingar. Studien har en fenomenologisk ansats, det vill säga beskrivande utifrån individernas personliga berättelser samt analys och tolkning av dessa berättelser. Resultatet av intervjumaterialet har analyserats utifrån teoretiserade begrepp så som rational choice, socialt nätverk och hem.

I alla tider har man byggt modeller över saker som skall byggas för att på så sätt åskådliggöra det som skall skapas. Dessa modeller hjälper till att förstå och formulera problem och lösningar, hur sammanhangen är och vilka beståndsdelar som skall ingå. Beroende på vilken typ av produkt som skall konstrueras, kommer olika modeller att få olika betydelse. En utvecklare har ofta en inre bild, en mental modell, av vilken typ av system som skall utformas. Denna bild kan vara detaljerad eller bara en avlägsen idé.

I alla tider har man byggt modeller över saker som skall byggas för att på så sätt åskådliggöra det som skall skapas. Dessa modeller hjälper till att förstå och formulera problem och lösningar, hur sammanhangen är och vilka beståndsdelar som skall ingå. Beroende på vilken typ av produkt som skall konstrueras, kommer olika modeller att få olika betydelse. En utvecklare har ofta en inre bild, en mental modell, av vilken typ av system som skall utformas. Denna bild kan vara detaljerad eller bara en avlägsen idé. Med hjälp av olika typer av modeller kan en utvecklingsgrupp visualisera, specificera, konstruera och dokumentera strukturen och beteendet för den tänkta produkten.

AbstractTitle: Similar but different ? Sweden Democrats and Swedish Social Democratic Party in Swedish newspapers online during 2010 (Lika men olika ? Sverigedemokraterna och Socialdemokraterna i svensk rikspress på nätet 2010).Number of pages: 35 (40 including enclosures)Author: Magnus MjöhagenTutor: Amelie HössjerCourse: Media and Communication studies CPeriod: Autumn 2010University: Division of Media and Communication, Department of Information and Media, Uppsala UniversityPurpose/aim: To discover any possible difference between the media report concerning The Sweden Democrats and the Swedish Social Democratic Party in Swedish news press.Material/method: A quantitative content analysis has been made with 64 articles from the homepages of the four biggest news papers in Sweden: Aftonbladet.se, Expressen.se, DN.se (Dagens Nyheter) and SvD.se (Svenska Dagbladet). The analysis focused on four themes: 1) framing in the articles, 2) impersonation in the articles, 3) the democratic task of journalism and 4) the expectations of journalism in an election campaign.Main results: The main results showed that the difference between the two parties either was nonexistent or very small. The articles were sometimes framed in specific ways, but a big amount of the articles were not framed. Impersonation occurred in about half of the cases, concerning both parties.

Kravhantering är en komplex uppgift som är viktig vid systemutveckling. Om kraven på ett system är felaktiga kan konsekvenser uppstå som är svåra att rätta till senare under utvecklingen. Användningsfall är en kravhanteringsteknik som idag används av många företag. Enligt litteraturen finns det både fördelar och nackdelar med att använda användningsfall för att hantera de krav som ställs på systemet. Denna rapport undersöker hur systemutvecklare som använder sig av tekniken uppfattar den.

In some postmodern philosophy and theology, the view of God has returned to the centre of the discussion. God is seen as a living reality beyond human conception. Some of the contemporary philosophers even relate to the negative or apofatic theology. They often do this as a contrast to the positive theology. The view of God in postmodern theology and philosophy is beyond our rational knowledge.

The aim of the study was to investigate the importance of the interaction between the physiotherapist and the patient. Semistructured interviews were carried out with three patients and one physiotherapist. A qualitative design with content analysis was used. The data analysis led to classification of four categories. These were communication, confidence, expectations and participation.

It?s not a new occurrence that girls have higher grades than boys. Statistics show the same at the Kallinge school in Ronneby. There is a great difference between boys and girls in their grades from the ninth class. There are many different factors that affect the pupils.

Forming teacher teams is currently the standard way of organizing teachers in Swedish Compulsory Schools. This is the result of a process that started in the 1970s.Traditionally the culture of teaching has been one of isolation. Once the door to the classroom is shut, what happens behind the door is up to the teacher to decide. Over the past thirty years a lot of time has been dedicated to making fundamental changes in the way teachers interact with their colleagues. Today the idea of teachers forming teams is generally accepted but still the core of a Swedish teacher?s job is that of a lone worker.

Högstadietiden är en period då ungdomar ställs inför ökade krav och förväntningar, både från sig själv och omgivningen. Ofta blir stress en del av vardagen. Syftet med studien var att undersöka hur ungdomar i årskurs nio upplever stress. Studien genomfördes genom fokusgruppsdiskussioner och innehållet bearbetades med kvalitativ tematisk innehållsanalys. Nio flickor och fyra pojkar deltog i studien.