The insurance industryis challengedby major changesthrough internationalizationand thusgrowingcompetitionwithmore optionsand greater availabilityfor customers.Solvency II, a new regulatoryframework and anew standard forinsurance companies,is therefore implemented in a steptowardsa more competitive Europeaninsurancemarket. Solvency II will result in extensive structural changes for many insurance companies. Newstandards andinternal models must also be implemented by the companies. Solvency IIhasa tightening effect on thesolvency capital requirements forinsurance companies. At the same time it also leads tomajor changesandincreased demandon risk management andinternal control, alongside with demands fordisclosure of informationto the market.

AbstractSouth Africa is a country where apartheid has created a segregated population and the countrys cultural traditions affects the human situations in a unique way. Equalities between gender, class and ethnicity is a main focus for female activists in their work to give the exposed population tools and knowledges to stand up for themselves to cope with the unbalanced structure. This examination paper is done in a qualitative case study in South Africa. The content consists of thourough descriptions of how the society is percieved by four different people, explained by feministic theories and former research that is connected to the papers purpose and question formulations. The purpose of this paper is to examine how Sikhula Sonke, a women´s movement in South Africa looks at the female?s situation in the society and how they are going about their work to improve social equality.

Problemformulering: Hur påverkas och anpassas bankernas belöningsstrategi till deutmaningar och svårigheter som uppstår i samband med enlågkonjunktur, och vilka effekter har bankernasbelöningsstrategi på medarbetarnas motivation och prestation?Teoretisk referensram: Studiens teoriavsnitt innehåller teorier inom områdena; Ledning, Strategi och Personal. Kapitlet inleds med teorierinom Human resource management (HRM), vilket kandefinieras som ett strategiskt synsätt för att hanteraarbetsrelationer, inom vilket belöningssystemen spelar en roll.Vidare behandlar vi teorier kring motivation och olikamotivationsfaktorer, ledarskap i en kris och internkommunikation och knyter an dessa till den insamladeempirin.Metod: Denna studie bygger på en kvalitativ metod med kvantitativainslag, vilket beror på att vi i denna undersökning valt attinkludera både ledning och medarbetarnas uppfattning ombelöningssystemet och dess effekter i en lågkonjunktur. Vi hargenomfört intervjuer med personalchefer på tre olika banker i Umeå, vilka representerar ledarskapssidan. Dessa intervjuerkompletteras av enkäter till medarbetarna på de olikabankerna, vilka alltså representerar medarbetarsidan.Slutsatser: De slutsatser vi kunnat dra med hjälp av denna studie är att detinte är belöningarna och motivationsfaktorerna i sig som varitden avgörande faktorn för medarbetarnas motivation ochbankernas förmåga att hantera och ta sig genom krisen på ettbra sätt.

Syftet med den aktuella kvalitativa studienär att utifrån av empiriska datafördjupa förståelsen för äldre deltagares upplevelser av Må Bra TV(MBT).Metod: Sammanlagt sju äldre från Åboland skärgård som har använt sig av MBT har intervjuats. Data har analyserats enligt Corbin och Strauss modifierade version av grundad teori.Huvudresultat:Det centrala i MBT visade sig vara samvaron i de virtuella möten där deltagarna träffade varandra och studerandevid högskolan.?Att få och ge stöd genom interaktiva möten?framstod där med som en kärnkategori i analysen av data. I analysen av intervjuerna kunde ytterligare fyra kategorier identifieras som alla var relaterade till kärnkategorin. Dessa kategorier beskriver deltagarnas upplevelser av konsekvenserna av att delta i virtuella möten.

The sun is essential to life on earth and no matter where you are, there is a constant need ofenergy. Nearly 800 000 years ago man learned for the first time to use fire in a controlled way.Since then, fire has given us the opportunity to inhabit places despite a cold climate. In Swedenthe resident sector accounts for a major part of the total consumption of energy. In a time whenenvironmental issues and greenhouse effects are increasing, we also see a future of rising energyprices. With this perspective, we have in this bachelor thesis in the Building Environment at theRoyal Institute of Technology, KTH, in Stockholm decided to focus on the renewable energysource, solar energy.The energy from solar radiation is a free resource and does not have any negative effects uponthe environment.

Today more and more municipalities interact across a wide range of sectors. The reasons tostart interacting are varying and for those who succeed with this form of work, there arebenefits in terms of efficiency and knowledge exchanges. But are the reasons that interactalways obvious? Sweden currently has 290 municipalities of varying size and allmunicipalities have basically the same mission, to deliver services to its residents.Information technology allows municipalities to digitize much of the workload, but theintroduction of the technique is not without problems. For small municipalities, there are greatdemands to deliver reliability and support for their internal and external services.

Studien tog avstamp i det senaste decenniets utveckling inom marknadsteori med avseende pa? samva?rdeskapande, tja?nstelogik och konsumenters resursintegrering. Efter att ha la?st forskningsartiklar och inla?gg i media om ett skifte i synen pa? konsumenters allt viktigare roll ville vi na?rmare studera hur den tar sig uttryck inom marknadskommunikation. Studiens syfte blev att bidra till den relativt outvecklade forskningen pa? omra?det och studera hur en fo?ra?ndrad konsumentroll tar sig uttryck i praktiken.

Background and problem discussionThe temporary employment industry has grown extensively during the past two decades since the market was deregulated. Companies today need to be flexible to meet fluctuating demand and economic climate in society which has made the market expand. When using employees not directly employed by the company there is a risk that long term effects appears that the companies have not thought of.Aim of studyTo create a model of what negative aspects companies should consider when making the decision to use temporary employees.Methodological frameworkThe study performed through an abdicative literature study and with an empirical data collection method of a qualitative approach where we interviewed five hiring companies and one temporary agency on the decision of hiring temporary employees.Frame of referenceProblem areas with the use of temporary employments were identified through four perspectives of the organization; the structural, human resource, symbolic and political perspective. The problem areas we address are organizational learning, motivation, risk of eroding human capital, belongingness and conflicts. These will be described and presented together with management control to counter the problems.EmpiricsThe empirics are focused on what aspects the companies of the study considered when making the decision to use temporary employment, what the companies? different reasons for using temporary employment are and what they do to minimize possible negative effects.Analysis and conclusionsCompanies use temporary employees mostly to become more flexible, both numerically and in their competence.

To reconstruct a building is a long-term investment for farmers and it is important that people with different qualifications are involved at an early stage for making the system adapted to the animals as well the animal keeper. Therefore, ethologists who can contribute with their expertise are needed to design the system and get it to function well for the animals.A Swedish farmer who planned to rebuild her stall for tied dairy cattle to a loose-housing system for recruitment heifers for milk production asked me as an ethologist to find a system which can be fit to her existing tie-stall barn for 30 dairy cows, considering the animal needs in terms of movement, social interactions and play behaviors, and to theoretically compare the system with other systems with respect to the behaviors mentioned.The theoretical comparison between different systems was made through a scientific literature review.In agreement with the animal keeper I set out to fit a system with feeding cubicles, a system with cubicles and a system with deep straw bedding to the barn. After measurements were taken and preliminary drawings were outlined it was found that only the feeding cubicle system was possible to fit to the barn.The space provided will limit the animals to perform some playing behaviors. To decrease aggressive interactions between animals even thought a limiting area it is possible to provide partitions between resources animals compete around to prevent that more than one animal can get success to the resource at a particular place at one time. To increase the animal movement in the system the water trays were moved to the outer wall instead of kept in contact with the stalls.Although this report provides guidelines for rebuilding, other competences regarding building construction and a pre-test of the suggested building solution according to Swedish legislation are needed before the rebuilding can start.The results are directed mainly to the owner of the barn, but the literature review can be used by other cattle farmers and might bring increased understanding of the possible effects of different building solution on the animals..

This paper constitiutes graduate work at the Swedish University of Agriculture Science, the Department of Urban and Rural Development, Ultuna. The main objective of this work has been, in part, using the municipality of Runby as an example, to test different inventory and analysis methods directed towards a sociotopic usage perspective. A secondary objective has been, based on knowledge obtained from current research results concerning the usage of green areas, to transfer the analysis results to a proposal for a free space planning over Runby. People living in the countryside often have good access to nature as well as access to a garden of their own. In the city, however, there are considerably less people that have access to a private outdoor spaces so the parks become a type of public living room for all the inhabitants. Through the lack of private green spaces and through the anonymity of the city, an inviting atmosphere is created towards spending time in the park.

This is a bachelor thesis about arable land in Varberg, from sustainability and it?s relation to local government and management. Arable land has become more important as a natural resource from a global point of view and in concerns of higher demands of food supply, as a result of population growth, higher consumption worldwide and climate change. But the arable land in Sweden is being exploited an increasingly rapid pace and the arable land in Varberg is not an exception of this development. The issue is most topical and the discussion holds questions about a declining agricultural sector, the formal and administrative protection of arable land and because other interests of land use often is given higher priority in community development and planning.

In this study, we have explored a new area called ?gamification? ? a word and concept that was first introduced on the Internet autumn 2010. Gamification concerns integrating game design, with emphasis on game mechanics and game dynamics, into non-gaming contexts ? such as marketing. At its basic definition, it concerns the process of transforming all kinds of activities into games.

Rapid population growth and the fact that phosphorous is a limited resource implies that the question regarding an efficient use of phosphorus is of great importance, and consequently,that the phosphorous use efficiency should be as high as possible. The view on phosphorous use efficiency, and how this is calculated, has varied over time. This has had great implications on what type of research that has been conducted, which have resulted in an inconsistency between the academic?s view on the subject and recommendations received by farmers. The purpose of this paper is to calculate the phosphorus use efficiency in the Swedish long term fertility experiments.

Coping theory asks what the cognitive and behavioral patterns of individuals dealing with stress are. This essay includes, besides the perspective of the psychology of religion, theories of culture and ritual in exploring two Swedes coping with the natural disaster in Thailand year 2004. The vacation paradise was struck by an enormous flood wave, called a tsunami, causing vast destruction and the death of over 200.000 people. Among these 543 were Swedes on vacation. When a disaster of such measures happens, what kind of stress does it cause? How do you cope? Are religion and ritual important? What is the function of the culture in the copingprocess? Using hermeneutical analysis this essay interprets the material from two books by Swedes, who not only experienced the disaster, but lost two children and husband and wife in the flood wave.

Animal welfare can be measured in several different ways; for example by using animal-based measurements. It has been shown that register data from the Swedish Official Milk Recording Scheme can be helpful when identifying herds at risk of having poor animal welfare, which led to a development of the advisory service of ?Ask the Cow? and the web report ?Animal Welfare Signals?. The aim of this project was to find out if register data from ?Animal Welfare Signals? can be used as a screening tool for detecting herds at risk of having poor animal welfare and in need of an ?Ask the Cow?.