De fyra svenska storbankerna; Nordea, Föreningssparbanken, Handelsbanken och SEB agerar och värderas internationellt. Värderingarna grundas på bankernas kompetens, resurser och finansiella produkter och framförallt värderas bankernas marknadsandel och befintliga kundrelationer. Den svenska bankmarknaden påverkas av den växande internationella konkurrensen och bankerna måste därför skapa egna eller anskaffa internationellt konkurrenskraftiga finansiella produkter. Syftet med denna artikel är att utifrån den resursbaserade teoriansatsen analysera fallföretaget Sparbanken Finn. Framförallt skall vi applicera ett modulärt angreppssätt på produktion av finansiella produkter; detta för att avgöra den modulära teorins eventuella tillämpbarhet.

The retailing landscape has become even more competitive with an increasing number of store formats. One result of this can be seen within different retail-chains as they launch different formats that operate under the same name. Thus, consumers now have many alternatives and substitutes when it comes to choosing which format to shop from. This phenomenon has led consumes to shop across stores for the same brand. The objective of this study is to explain how consumers respond to various offers in different store formats and to determine whether the results differ if we compare a familiar brand with an unfamiliar brand.

This paper examines how companies in a transparent industry work to satisfy the customer in an extended way, to offer value added products that in the end enables the customer to be loyal to the company. We have studied the insurance industry in Sweden and have focused on five different insurance companies. Four of them, Folksam, Länsförsäkringar, Trygg-Hansa and Dina Försäkringar, where we have focused on Ölands Försäkringar which is part of the Dina Försäkringar group, are some of the largest insurance companies in Sweden. The fourth company is Swedbank which is a bank that has started to offer insurances.Our results demonstrate that it is important for the company to see the customer not only in a profitability aspect; the company has to find out what the customer gets in return. In that case the possibility for the customer to change company decreases and the chance that the customer becomes loyal increases.

Title Greenlighted employees ? The internal value of Schenker?s environmental work.Author David Fridner.Course Master thesis in Science of Media and Communication.Department of Journalism and Mass Communication, University of Gothenburg.Semester Spring semester 2009.Tutor Professor Monika Djerf-Pierre.Number of pages 55 (appendix 23).Aim The aim is to study the internal value of Schenker?s environmental work.Method Qualitative and quantitative method.Material 20 interviews from four workgroups: managers (4), sales (5), customer-services (4) and truck drivers (7). 148 websurveys from two workgroups: sales (106) and customer-services (42).Main result Schenker is perceived as an environmentally friendly enterprise. Much due to the fact that the company?s impact on nature only has little to do with how the staff evaluate its ?greenness?.

This thesis aims on adding another piece to the puzzle that is the supplier relationship research. Taking its base in a series of articles regarding the transformations of global supply chains into more long-term profitable ones. Two research questions are presented, one regarding long-term supplier relationships and one regarding the main criteria?s while evaluating new suppliers. With an emphasis on the long-term relationship and profitability are five medium sized Swedish manu-facturers examined through semi-structured interviews.

The aim of this study is to evaluate whether the value of occupant load is over or under estimated when the Swedish general value for department stores, 0,5 person/m2, is used for dimensioning shopping centers. The data that was analyzed derives from seven shopping centers and one department store. A conservative method was used to calculate the occupant load factor. The analysis shows that two groups can be discerned: one group that is characterized by a lower occupant load factor that does not exceed 0,3 person/m2, and one group with a higher occupant load factor. Shopping centers with a higher occupant load factor are located centrally in large urban areas.

The notion of door policy has received little academic investigation. In the media this phenomenon has however received much attention and has been connected to allegations of discrimination. The authors of this thesis take another view in trying to identify the mechanisms behind door policy from an economic perspective.Based on case studies in nightclubs in Stockholm the authors conclude that there are two types of door policy: including and excluding. While including door policy aims to comply with regulations and commonly is part of a cost-leadership or focus strategy, excluding door policy is primarily a tool for attracting and selecting a certain audience in line with a product differentiation strategy. It thrives on the principles of exclusivity and reciprocity.Forming the identity of a club, audience is of great importance and excluding door policy is found to be an important tool in creating the correct composition of audience, which ultimately aims to increase profitability..

This thesis is based on a case study of the City of Stockholm. The study aims to explore the effects on the city's large investments caused by the public reform. Furthermore, the question concerns the character of the impact and if it will affect what type of investments that will be prioritized. The theoretical background is based on Brunsson's ideas about political organizations shifting towards corporate nature, and Almqvist's interpretation of New Public Management (NPM). Moreover, models explaining public management reform, and the main components of corporate shifting, are used.

I denna rapport undersöker vi om en personal shopper tjänst är bra att införa i en modekedja med en bred målgrupp inom lågprissegmentet. Vi samarbetar med Gina Tricots huvudkontor där vi ska utveckla tjänsten tillsammans med Fredrik Appelqvist, retail ansvarig på Gina Tricot. I rapporten tar vi reda på om målgruppen är intresserad av tjänsten och hur de i så fall vill att den ska vara utformad. Detta för att se om det är ett strategiskt val för modekedjan Gina Tricot att starta upp en personal shopper tjänst ute i butik.I detta arbete har vi tillämpat några modeller för att undersöka på vilket sätt kunderna tar sina köpbeslut. Modellerna används för att se vart personal shoppern kan komma in och påverka kundens köpbeslut, för att kunden ska bli nöjd och sprida en positivitet om företaget.

The bachelor's thesis is to examine the explanatory factors affecting the choice of capital structure in real estate companies. The analysis is based on data collected from the main financial reporting from 2007; all listed real estate companies listed on Swedish, Norwegian, Danish and Finnish stock market. Based on previous research and theories, we have defined five independent variables that are linked to the debt ratio, which are: profitability, growth, firm size, cost of debt and operational risk. The statistical tests have resulted in that we can say with certainty that profitable firms tend to have a lower debt to equity ratio. We can also say with certainty that property companies with high interest costs have a high level of indebtedness..

The retail industry is complex and when it comes to the in-store environment conventional marketing tools seldom find their way. The impacts of in-store atmospherics on customers and the psychological impact the store environment has on their decision-making are rather remarkable. An in-store atmospheric that often is used in order to affect customers is music, in fact it is one of the in-store elements that has been investigated more carefully. Nevertheless, in spite several studies on music and its impact as an in-store atmospheric on customers, it is not yet obvious what applies. To bring some clarity on the subject this study is aspiring to explain what applies when it comes to playing music in grocery stores.

If a building is heated by a heat pump, it is of high importance that the heat pump has a high coefficient of performance. An exhaust air heat pump extracts heat from the building?s exhaust air. The air has a relatively high and constant temperature all year around, leading to a high seasonal coefficient of performance. This thesis examines whether it is profitable to complement an exhaust ventilation system with an exhaust air heat pump in an apartment block that already has geothermal heat pump, district heating, oil- or biofuel heated system.

During my final examination project, I have been working with a design process to develop a new set of candle lanterns for the company Sagaform AB. This company has a large and significant role on the Swedish interior design and retail market. The assignment was developed when the company stated that they would like to supplement and expand its existing range of products. The research and surveys I have done have helped me to create eight different concepts and one of them ready to compete with the existing candle lanterns on the market. The result of my concept proposal expected to be included in Sagaform?s 2013 spring catalogue. During the project I have developed 3D-rendered images, a physical model, and a solid foundation for making prototypes. The Balloon has an attractive design language that fits both every day and more festive events.

The Swedish e-commerce has been established for about 25 years, with strong growth from the millennium onwards. The companies that are active within it has many different backgrounds. Mail order companies were some of the early adaptors but today it is also common for companies to first create the e-commerce part of the business, before opening a store. A long list of companies has over the years come and gone, the rotation of the e-shops that are popular have constantly changed. We asked ourselves why.We wanted to get an understanding of the Swedish e-commerce, both from a business perspective and from a customer perspective.

IKEA HaparandaTornio employ some two-hundred people in its furniture retail store.Keeping track of staff statistics and employee information has previously been achievedthrough the use of a basic Microsoft Office Excel spreadsheet. The store?s human resourcesdepartment requested an upgrade to this system with the hope of speeding up andsimplifying the administrative process, as well as to make it easier to monitor HR-relatedtarget statistics. The following report documents the development process of that upgrade ascarried out by the author. The project draws on research in usability design and cognitivepsychology to develop a user-friendly interface.