Background: 2009 it has occurred a crisis in some of the member states of the European Union: Spain, Portugal, Italy, Ireland and Greece. Despite, some major banks in the world had begun to recover from the financial crisis that occurred from 2007 until 2009, there were still banks who found it difficult to survive. Greece is one of the countries that suffered from the financial crisis. The high budget deficit and the unsustainable debt are underlying the crisis.Banks as financial intermediaries have important function in a nation?s economy.

Purpose: The purpose of this study is to examine whether hedge funds generate higher risk-adjusted returns than traditional managed funds in Sweden.Methodology: This study was based on quantitative data about the funds historical returns. The funds historical returns were taken from the database Morningstar and the risk-free rate from the Swedish central bank. Random samples of 36 funds have been divided into three portfolios in the form of a hedge fund portfolio, stock portfolio and mix fund portfolio.Result & Conclusion: The study concluded that the stock portfolio has shown the highest average yield for the study period where all portfolios below market index. Hedge fund portfolio has achieved the highest risk-adjusted return calculated by the portfolios Sharpe Ratio. Of all hedge strategies, arbitrage had the highest average return and risk-adjusted returns..

In scientific investigations on how organizations can learn from their mistakes the perspective is usually that of the social engineer; the object is to prevent human errors through modeling the system in a certain way. The aim of this paper is to explore the learning process from a different standpoint than those usually applied in organizational learning and error theory. By studying the learning process in Swedish health care I seek to discover how theoretical presumptions affect the outcome in terms of what we actually learn. The theoretical framework draws on two major discussions in contemporary political science; the question of structure and agency and the question of whether to focus on formal or informal structures when explaining organizational behavior.The investigation shows that Swedish health care tend to understand human errors as a result of formal organizational structure. Such a view leads to insufficient explanations to why errors occur but is useful in producing preventative measures.

Studien handlar om stickskador och skador med vassa föremål inom hälso- och sjukvård. Dessa skador är en risk som hälso- och sjukvårdspersonal utsätter sig för i sitt dagliga arbete. Stick- och skärskador är direkt förenade med risk för blodburen smitta såsom HIV, HCV och HBV. Litteraturstudien baserades på befintlig kvantitativ forskning och syftet med studien var att i vetenskaplig litteratur undersöka vilka faktorer som kan påverka sjukvårdspersonals hantering av stickande/skärande föremål. De faktorer som identifierades var; personrelaterade orsaker, materiella orsaker samt organisatoriska orsaker.

The competition has increased with the establishment of the new banks and the credit institutes taking on the market, the big banks are no longer alone on the market.In speed with the increased range, have also the marketing and the recruit of new bank customers become more driven.Bank customers with lacks in the Swedish language, is a segment with potential which doesn?t get used by the banks and in turn of that the bank customers doesn?t get their needs satisfied.The purpose with this survey was to analyze if the four largest banks, Föreningssparbanken, Handelsbanken, Nordea and SEB had prepared strategies that were directed to bank customers with lacks in the Swedish language. In those cases the banks had strategies, respective measures were presented.Furthermore the bank customers with lacks in the Swedish language were studied if they experienced that the banks were using measures to satisfy their language needs in contact with the banks and presented the benefit of them.The information about the banks strategies was assembled through interviews with persons from each bank. The bank customers experience was assembled through a questionnaire survey.The result showed that the banks hade different strategies for reaching out to these customers, it was from showing understanding to multicultural offices. Half of the customers appreciated that the banks pressured themselves for them by being patient, explained the services and in some cases had staff that could several language.

Investors? use borrowing as a way to profit from leverage advantages in their portfolios.When investors borrow with their securities as safety for the loan and the value of thesecurities decrease the investor can get a portfolio with more credit than what is covered bythe value of the securities and risk huge losses. To what extent an investor is allowed toborrow with his portfolio as safety depends on the bank or broker and varies between theproviders. By studying available material and in addition to that making an empirical study Iattempt to find out the reason for the varying degrees of leverage possibilities between thebrokers and how the degree of maximum borrowing on the securities are decided. Thefindings show that decision of leverage degree on a security is made after first making aquantitative analysis of the stocks volatility and liquidity and thereafter make a qualitativeanalysis of the company.

The last hundred years humans have drastically changed the amount of available nitrogen in nature. Today human activities release twice as much available nitrogen as all natural processes are doing together. We also have degraded nature´s possibilities to take care of nitrogen through the draining of wetlands and straightening of rivers. In order to regain the potential of nitrogen retention in the water systems there now requires a reshape of the landscape we live in. A planned expansion of the mining activities in Garpenberg, Dalarna, would double the content of nitrogen in the waters below the mine.

Risk assessment is made to determine risks with contaminated areas and to determine which treatment the area requires. In Sweden, risk assessment is divided into three levels: risk analysis, facilitated risk assessment and detailed risk assessment. In detailed risk assessment site-specific guideline values are developed to compare with values of contaminants that are measured in the area.Site-specific guideline values vary with geological and hydrogeological parameters. The purpose of this report is to examine which of these parameters that affect the guideline values. The examination was done using a calculating program for consideration from the Swedish Environmental Protection Agency from the year of 1997.

Syftet med vår litteraturstudie är att beskriva hur en livsstilsförändring och livstilsskillnader kan påverka utvecklingen av det metabola syndromet, samt hur sjuksköterskan kan medverka med hjälp och stöd vid livsstilsförändringar. Frågeställningar är: Vad är effekten av en livsstilsförändring vid risk för metabolt syndrom? Hur kan sjuksköterskan medverka till prevention av det metabola syndromet? 10 vetenskapliga artiklar användes i litteraturstudien för att besvara ovanstående frågeställningar. Resultatet i denna litteraturstudie visar att en livsstilsförändring har en stor och avgörande betydelse vid risk för utvecklande av metabolt syndrom. Denna studie visar även på att sjuksköterskan, genom att ge individuell rådgivning och stöd i form av kontakt via telefon, Internet samt sedvanliga mottagningsbesök har en betydande roll i preventionsarbetet vid detta tillstånd.

At the beginning of the 1970´s forestry feared an imbalance in the future wood supply. Because of this anticipated "timber slump" forest companies undertook a variety of measures to counter this. One of these measures was the introduction of exotic tree species. The choice finally ended up with lodgepole pines which were considered a fast growing tree species compared to our native tree species. Theambition for the new lodgepole pine stands were to run these with rotation periods of between 40-60 years, thus smoothing out the ?timber slump? that was anticipated.

In many European countries there is an increasing concern about the occasionally high concentrations of nitrate and pesticides in drinking water. The advent of the EU Water Framework Directive particularly highlights this. The directive states that all large drinking water sources should be identified and protected from pollution before 2009 and that by 2015 all water bodies should reach a 'good status'. In Sweden about 60 percent of the drinking water sources have protection areas. This means that about 700 new water protection areas need to be designated before 2009. This will affect many farmers, restricting their farming practices. The purpose of this study was to investigate which methods are used in other countries concerning nitrate and pesticide pollution from agriculture. From this, the expectation was to generate ideas on what could be undertaken in Sweden when designating new protection areas.

This master thesis presents a Model for Evaluating and Managing Interruption Risks in connection with Business Continuity Planning (BCP), developed for Swedwood International. The model consists of a template with instructions. The model should be easily understood and useful for establishing a plan for BCP. This is achieved by including the contents and procedure of BCP and the main supplychain risks in the model. The purpose of a BCP plan is to describe how an enterprise will return to business as usual after an interruption, e.g.

People of the modern world consume more than they ever used to do. Because of the close correlation between consumption and the amount of waste, the waste volume is also expected to increase. The purpose of this study is to examine if some measures in the recycling process from Sweden could be implemented in Indonesia. In fact, Indonesia is one of the countries in which the waste management system is struggling. Tetra Pak, one of the world leading producer of food packaging, is studied in this report.

In Sweden, a big part of the energy use is used in the housing sector. Political goals and targets are set up which the housing sector needs to work towards. Apartment buildings are a major part of the housing sector in Sweden and therefore reduction of energy use in these kinds of buildings are key to lower the energy use in Sweden. But there are not only political incentives to reduce the energy use. Some energy?saving measures are directly profitable and should thus be performed.

Introduction: Anxiety and depression are common among patients enrolled in psychiatric outpatient care. Ear Acupuncture is an alternative form of treatment that has been shown to relieve anxiety and depression in previous studies.Aim: To evaluate ear acupuncture as a group treatment for depression and anxietyMethod: A psychiatric outpatient clinic has been offering group treatments with ear acupuncture for anxiety and depression for 5 weeks. Participants of the study have answered self-rating scales Montgomery Åsberg Depression Rating Scale, Beck Anxiety Inventory and Sheehan Disability scale before and after the treatment period. Material was collected in the period 2008-2012 and has been analyzed in SPSS.Results: Data from 31 patients were included in the study. The results from the study showed a significant difference, between the measurements before and after treatment, with a reduction of the average values in the three different scales.Summary: From this study, it is difficult to draw any conclusions about the effect of ear acupuncture.