Bakgrund: Kommunikation, informationsflöden samt individuella uppfattningar är några av de psykologiska förhållanden som påverkar beslutsfattanden. Småföretagare upplever en hård kreditmarknad med krav på höga säkerheter och bankerna är medvetna om att de stramat åt kreditgivningen på grund av konjunkturläget. Handelsbanken och SEB är två storbanker som funnits länge på marknaden och båda har fått utmärkelser för att vara framstående banker för småföretagare.Syfte: Att studera lånesituationen för småföretagare genom att angripa de psykologiska aspekter som kan vara av avgörande betydelse utöver hårda värden vid en kreditgivningsprocess.Metod: Genom en deduktiv ansats har semistrukturerade frågor ställts i kvalitativa intervjuer med två storbanker och tre småföretagare i olika branscher i Stockholm stad.Teorier: Behavioral Finance, Asymmetrisk information, Perception, Agentteorin, Imageteorin och Beslutstilsmodellen.Slutsatser: I kreditgivningsprocessen krävs en kombination av hårda och mjuka värden för att kunna fatta beslut på ett rättfärdigt sätt. Det fastställs att psykologiska faktorer såsom god kommunikation minskar det asymmetriska informationsflödet och ligger till grund för relationen mellan lånehandläggare och småföretagare..

During the autumn of 2007 I carried out an investigation within the bank and finance Sector. The aim of the investigation was to see how informal aspects could be understood in relation to equality within Bank AB? The main question was: Which are the obstacles and opportunities for equality within Bank AB? To answer the main question I asked the following questions to the material: Are there any gender related different within the organization? How are men and women represented within the internal magazine? Which are the conceptions related to sex/gender within the organization? The investigation is based on a survey, the internal magazine was investigated and finally interviews took place. Throughout the investigation I used organization theory in a gender perspective. With the gender organization theory I examined concepts as structures, leadership, symbolism and changes associated with equality.

ABSTRACTTITLE The investors guide to hedge fund strategies ? A comparing study of hedge fund strategies on the Swedish market.COURSE Bachelor Thesis in Finance KEYWORDS Hedge funds, Hedge fund strategies, Swedish hedge fund market, Investors, Average return, Riskadjusted returnThe ThesisInvestor?s general knowledge about hedge funds and hedge fund strategies, is compared to other investment alternatives low. The purpose of this thesis is therefore to clarify to investors how examined hedge fund strategies separate concerning risk and return in hedge funds. This, in order to facilitate for investors understanding which hedge fund strategy will be more suitable for them. To achieve this, the thesis is mainly focusing on quantitative data, which is complemented with qualitative findings in terms of a questionnaire.

This thesis describes how the chip space and coolant channels are designed in today?s mills, the ideas behind the design and what is considered to be the best method of cooling. It contains ideas on how the chip space can be simplified. It contains several concepts on how the cooling could be designed for better efficiency and manufacturability. There are also suggestions on how the cooling could be stopped when the cutter isn?t cutting.

Syftet med arbetet var att undersöka pedagogernas inställning till lek i skolans lägre årskurser. Vidare att belysa lekens betydelse för den kognitiva utveckling och hur pedagogerna använder leken i sitt dagliga arbete. Metodern är en kvalitativ, halvstrukturerad forskningsintervju med hermeneutisk inriktning och bygger på intervjuer med sex pedagoger. Jag redovisar intervjuerna i fyra olika teman, som kom fram under analysen av intervjuerna. Sammanfattningsvis pekar resultaten av min undersökning på att samtliga pedagoger är positit inställda till att lek och kopplar leken till den kognitiva utvecklingen..

Eco certification of small housesTo construct an environmental friendly building and show that as a company you care for the environment, is presently very attractive in the Swedish real estate market.This degree thesis covers the environmental certification called ?Svanenmärkning? the Swan, witch is the Swedish equivalent to the European standard ?the EU Flower?. It is concentrated on the certification process in small houses that the Swedish institute of standard, SIS, has presented. We have worked together with the company Faluhus witch is a Swedish producer of small family houses.Faluhus is located in the town of Borlänge, Dalarna and has produced family houses since the 1950:s. They have a great heritage born in the old Swedish mining culture, with great wooden mansions and country homes.

This thesis has been conducted at Volvo Bussar ABunder a period of ten weeks. Within the organizationVolvo, the work is conducted with leaders and teamson every level; from production to top management.They have three tasks, besides executing their dailywork, they are expected to actively work on improvingtheir individual work as well as themselves as persons.The two latter are future value adding activities for theorganization. When doing so, however, it has beennoticed that they often lose the grasp of their dailywork. The question that consequently arises is whythis happens. Is it because of lack of time or it isbecause the co-workers do not have the competenceand simply do not know how they are to execute thethree tasks? Or, is it because the motivation to executethe three tasks is not enough? With this in regard, thestatement of issues for this bachelor thesis were thefollowing: how can the conditions for leaders and theteam be improved, in order for them to execute thesethree tasks.To find out why the execution of these threeassigments did not always succeed, the decision wastaken to conduct a survey and interview study in reallife and at the plants.

Problem: When opening a newspaper today there is a good chance that the headlines have something to do with recent developments in the global climate debate. This development is forcing companies to take action. The problem for many companies, including Thule, is that they are unaware of the environmental work conducted throughout their value chain and also what they need to do to become green. Thule, a company with a strong focus on profitability and growth, will not make environmental issues a part of their core strategy unless it can be shown that economic incentives exist. With this thesis we will try to build a case that will help Thule, and also other companies, see the possibilities a green venture brings with it.

Att beskriva en byggnad som tidlös är bland det finaste en kan säga. Några av världens mest uppskattade byggnader har beskriv- its som just det, tidlösa. Hur kommer det sig att en av den finaste komplimangen och erkännandet en byggnad kan få, egentligen är intetsägande? Tiden går ständigt och det finns ingenting någon kan göra för att ändra det. Människor, djur och även byggnader utvecklas och åldras.

The government regulations for energy use in buildings will be tightened in the future. At the same time the interest in environmental classifications and certifications of buildings is increasing. This has meant a new situation for solar energy. The designs of solar heating systems are often based on experience and/or rules of thumb, rather than calculations and simulations. This thesis examines whether simulation tools, in this case Polysun, are useful in this work.

This thesis has been conducted at Volvo Bussar ABunder a period of ten weeks. Within the organizationVolvo, the work is conducted with leaders and teamson every level; from production to top management.They have three tasks, besides executing their dailywork, they are expected to actively work on improvingtheir individual work as well as themselves as persons.The two latter are future value adding activities for theorganization. When doing so, however, it has beennoticed that they often lose the grasp of their dailywork. The question that consequently arises is whythis happens. Is it because of lack of time or it isbecause the co-workers do not have the competenceand simply do not know how they are to execute thethree tasks? Or, is it because the motivation to executethe three tasks is not enough? With this in regard, thestatement of issues for this bachelor thesis were thefollowing: how can the conditions for leaders and theteam be improved, in order for them to execute thesethree tasks.To find out why the execution of these threeassigments did not always succeed, the decision wastaken to conduct a survey and interview study in reallife and at the plants.

I examensarbetet ?Landskapsurbanism i en Post-Industriell kontext? diskuteras den relativt nya diskursen kring ?Landscape Urbanism? eller ?landskapsurbanism?. Arbetet fokuserar på platser som har övergivits av industrin, i skenet av den post-industriella utvecklingen. Huvudmålet med studierna av ämnet är att belysa ett antal ?landskapsurbanistiska metoder? och sedan tillämpa dessa på min plats: den gamla Cementafabriken på Övägen i Limhamn, Malmö.Den största inspirationskällan i detta är den amerikanske landskapsarkitekten James Corner´s teorier, och de metoder som utövas av hans landskapsarkitekturbyrå; ?Field Operations? i New York.Eftersom ämnet täcker in väldigt många aspekter och problemställningar rörande samtida urban planering och design, har jag i enlighet med Corner delat in min text under fyra rubriker:- Processes over time- The Staging of surfaces- The Operational or Working method- The ImaginaryDet gamla cementfabriksområdet har förvärvats av byggbolaget NCC, och kommer inom en snar framtid att bebyggas med bostäder.

AbstractIn the fall of 2003 a project was started in the Swedish building sector that is called BASTA (the building sectors’ termination of especially harmful substances). The project is operated by the building companies NCC, Skanska, PEAB and JM, the Swedish Building Industry and the Swedish Environmental Institute IVL. The purpose of the project is to create a common environmental assessment system for the entire building industry and with the help of this system phase out the use of especially harmful properties from building products.In a large sense BASTA works like this; On the BASTA web site there is a database, to which a supplier can register the company and the company’s products. Only those products with a substance content that fulfil the demands of the BASTA system, is to be registered. As it is the supplier himself that carries out the registration of the company and the company’s products to the system, the BASTA-organisation annually controls that the companies that are registered in the database, fulfils BASTA’s demands.Since NCC is one of the companies that operates BASTA, BASTA is probably going to be the environmental assessment system that is recommended for the company in the future.

AbstractIn the fall of 2003 a project was started in the Swedish building sector that is called BASTA (the building sectors’ termination of especially harmful substances). The project is operated by the building companies NCC, Skanska, PEAB and JM, the Swedish Building Industry and the Swedish Environmental Institute IVL. The purpose of the project is to create a common environmental assessment system for the entire building industry and with the help of this system phase out the use of especially harmful properties from building products.In a large sense BASTA works like this; On the BASTA web site there is a database, to which a supplier can register the company and the company’s products. Only those products with a substance content that fulfil the demands of the BASTA system, is to be registered. As it is the supplier himself that carries out the registration of the company and the company’s products to the system, the BASTA-organisation annually controls that the companies that are registered in the database, fulfils BASTA’s demands.Since NCC is one of the companies that operates BASTA, BASTA is probably going to be the environmental assessment system that is recommended for the company in the future.

Background: There has been an increase in savings and investment in recent years along with an increased interest in responsible investments. Ethical mutual funds has developed and gained increasingly popularity.Aim: The aim of the study is to examine if ethical mutual funds are an equivalent alternative to traditional mutual funds in terms of return, risk and risk-adjusted return on the Swedish stock market.Theory: Beta, Jensen's Alpha, Sharpe ratio, Treynor ratio, and Modern Portfolio Theory.Method: Quantitative survey method, a statistical study.Conclusion:The study concludes that there is no significant difference between ethical and conventional mutual funds in terms of return, risk and risk-adjusted return. The small differences that exist between the two fund groups are in favor of the ethical fund group, indicating that funds is a comparable investment option compared to traditional mutual funds..