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.

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.

AbstractWrite the most important things first in text that will be read by a scanning web user. This paper is based upon theories about? how we read? what style in texts is? how texts should be written for web pagesReading from computer screens is about 25 percent slower than reading from paper. This because screens? flicker? have lower resolution than paperAll text with the purpose of being read from a screen should be adjusted to the reader?s physical condition.

The purpose of this Master's Thesis is to explore the influence of fiction on the identity and self-esteem of young women. The purpose is also to investigate if there are any books that they consider to be of importance for their identity. Furthermore, I investigate what appeals to young women generally in fiction and if it is difficult for them to find books that appeal to them. The primary question posed in this thesis is: How does fiction influence the identity development of young women? The data collection is based on literature on the subject and on interviews with eight young women between 15 and 20 years old.

AbstractMy feature career as a teacher, for the early years of compulsory school, makes it interesting to finding out of how teaching religion can be donned. I am interested in what methods can be used for teaching religion That?s why my purpose aims to find out how five different teachers, of the early ages, works and what methods they use while teaching religion. My issue for this composition is: what methods, or to a point - methods supported by different teaching models, can be used for studying religion in compulsory school? Empirical and specialized literature points in the direction fore methods like storytelling, load reading, drama, group works, independent searching of information, working books and so on.

The purpose of this Masters thesis is to accomplish an understanding for childrens librarians purchases of juvenile books. Two main questions are to be answered: - Which considerations do childrens librarians do when buying juvenile books and which goals and motives are behind their purchases? - What do childrens librarians think that their knowledge and competence consists of and how is that knowledge useful when buying juvenile books? To answer the questions qualitative interviews with five childrens librarians have been carried out. The material has been analyzed through a theoretical construction consisting of theories about collection development, book selection and quality judgments. The conception tacit knowledge silent knowledge from Michael Polanyi has also been used for interpretation.

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.

AbstractMy purpose with this study was to learn more about different ways to teach children how to read and to investigate how teachers can use more fiction when they teach.During the years that I have been working in school, I have only met teachers who use a method that is built on sounds. The children learns to read from books where the words is not put in their right purpose; for example; we can se a sun, a dear looks down in a lake.After my teacher-education in literature I became more and more interested in if it could be possible to use more fiction when you teach children how to read. I also wondered if it was possible to find readers where the sentences are put in a meaningful story.I heard of a method called Whole Language, or the kiwi-method and I decided to find out more about that method. I decided to make a comparison between the ?sound-method? and the Whole Language-method.I have been using qualitative interviews with both children and teachers with experience from these different ways of teaching.

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.

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".

Syftet med mitt arbete är att undersöka högläsningens roll i barns sätt att lära sig läsa och förstå vad läsning innebär. Många föräldrar läser sagor för sina barn kanske utan att tänka på den positiva inverkan det har. Det är just dessa faktorer jag vill lyfta fram.Genom litteraturstudier och intervjuer framkommer det att högläsning har en märkbar påverkan på ett barns förmåga att lära sig läsa. Genom att iaktta läsarens samspel med t.ex. en bok eller tidning kan ett barn komma underfund med att dessa föremål innehåller något som väcker läsarens intresse.

The purpose of this study is to examine how four educators in two different departments at two different preschools in Stockholm, selects children's literature in preschool and how literature is used in the activities and how much influence children have in the choice of literature. Based on qualitative interviews as a method we have interviewed pedagogues to get answers to our questions. We will also interview some children to find out how involved they are in the purchase of literature on the departments we examined. We consider the social cultural perspective to be a well rounded starting point for our survey, because the theory gives us the opportunity to study how the interaction and meetings between educators and children develop for each reading encounter. And through the analysis a thorough display between educators and children towards literature will be shown.

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.