This study examines the effects of credit risk and information disclosure in the new bank regulating system Basel II on bank and bank customer. The effects are then discussed in a perspective of the economic man and information asymmetric theories. Furthermore is the Basel II effects on the capital adequacy of Andelsbanken för Åland examined.The approach of the study is qualitative and several interviews with individuals on different levels of the examined bank, Andelsbanken för Åland, have been carried out during the collecting of empirical facts about the effects of the regulating change from the Basel I system to Basel II.The research findings are as follows:Andelsbanken för Åland have increased its capital adequacy ratio from 12,7 percent to 14,4 percent, mostly due to lower risk weights on housing mortgages compared to Basel I. Andelsbanken för Åland have started to use a completely new credit risk and customer assessment system which classifies every customer and gives them a credit rating. The system cause a much heavier information gathering of the customers profile as well as a much better assessment of risk than the previous system, which the bank finds positive.

Previous research often includes juridical, political, economical and historical aspects of the Sami population. The research about the Sami women are limited therefore is was important to investigate the living conditions of the Sami women. The purpose with the study was to investigate the living conditions of the Sami women from a culture- and reindeer-herding view in relation to social gender and the majority society. Four individual interviews were performed with women who worked with reindeer-herding in the Sapmi area in north of Sweden. The interview guide was semi-structured and the data were analysed with the phenomenological method Interpretative Phenomenological Analysis, which has a focus on subjective experiences.

Children are a group of patients that require special knowledge from the anesthesia staff, both general and specific. Theoretical knowledge and practical experience is necessary to adequately care for the child as it anatomically, physiologically and mentally may differ from adult patients.A growing problem in the pediatric population is overweight and obesity. From a stagnation in the early 2000s the prevalence of overweight and obesity among children in the world are again increasing.The purpose of this study was to examine peri-operative care of overweight and obese children.Systematic searches were done in PubMed, CINAHL and Scopus. After the quality audit according to SBU, twelve articles were included for analysis.Results suggest that overweight and obese children have a higher risk of respiratory peri-operative complications. The risk of hospital admission after outpatient surgery was also greater in this group as well as higher costs for health care.Overweight and obese children are complex subjects with more frequent peri-operative risk factors than normal-weight children.

The aim of this thesis has been to study the development of Ordfront förlag from their foundation in 1969 until today, concerning their publishing profile and their size. Ordfront started out as a small publishing house and is today one of the few middle sized publishing houses in Sweden. Their books focus on questions concerning society, debate and politics. The question posed in this thesis was: What has influenced Ordfront förlag concerning size and publishing profile? In order to answer our question we have used a system analytic method, in which we examined some external and internal elements.

The aim of this thesis is to examine the fear of crime in old peoples lives. Notwithstanding that the age category is exposed to crime to a low degree, old people are experiencing a great fear of crime relative younger people. This is the paradox of fear, also recognized in gender studies. The question is how this paradox can be understood. To answer this, twelve elderly men and women have been interviewed and the reports about crime in the local newspaper, Norrköpings Tidningar, has been analyzed, through discourse analysis.The discursive construction of fear is here discussed in terms of discourses of a fearful society, and stereotypes of old age.

Traditionally risk-based measures have been used to assess animal welfare in legislation and certification schemes. With increased knowledge and research, debate today tends to focus on and advocate the use of animal-based measures. However this is not a panacea for welfare and the most sound conclusion should be that assessment of animal welfare needs both. The aim of this thesis is to identify the points that need to be taken into consideration to find the optimal balance in the use of input and outcome measures according to the aim of the assessment and how these should be applied when designing a certification scheme? To answer this, a comparison of the use of resource-based, management-based and animal-based measures in two certification schemes for dairy cow welfare, Freedom Food (UK) and Svenskt Sigill (SWE), was made.

AbstractTitle: The debut of gluten ? Does timing of gluten introduction affect the risk ofceliac disease in high-risk children?Author: Sandra Hagwall Frohm and Maria IngmarSupervisor: Frode SlindeExaminer: Mette AxelsenProgramme: Programme in dietetics, 180/240 ECTSType of paper: Bachelor?s thesis in clinical nutrition, 15 hpDate: May 26, 2015Background: Celiac disease is a chronic disease in which the intestinal mucosa is damaged bygluten exposure, and the only treatment is a lifelong gluten-free diet. The disease affects about1 % of the population worldwide, but the majority are undiagnosed. Ingestion of gluten and thegenotype HLA-DQ2/8 are required for disease development, although additional genetic andenvironmental factors are believed to be of importance. One hypothesis is that timing of glutenintroduction in infants affects the disease risk.

The purpose of this study has been to find out what possibilities the journalists at the newspaper Aftonbladet have to live up to the proposed ideas and values that defines journalism, as well as how these values are presented to the readers. With this as a starting-point we have studied what kind of society Aftonbladet presents to its readers as well as how this society is supposed to work and also what it`s like. To be able to answer this question we have first researched through theories and earlier studies, literature about journalism, media science, semiotics, history and laws. With the help of the investigation we found fitting tools to perform the analysis. With the theory as groundwork we have, through the qualitative approach analyzed seven news articles from seven Aftonbladet newspapers during one week.Our study shows that the Afonbladet?s journalists have not been able to present occurrences in society in a correct and impartial manner - because they exaggerate insignificant details and neglect to show real attention to serious societal structures by using sensationalism, dramatization and a very superficial approach to the stories that they are conveying.

The aim of this study is to analyze the change of Basque nationalism during the last ten years and discuss how the main nationalist party (PNV) tries to impose "we"- feelings and support for its cause. Theories of nationalism and national identity are used in the analysis.A textual analysis of PNV:s unofficial documents is discussed and compared with a discourse analysis of its official documents. Although the unofficial documents deal with similar view of basic political/territorial ambitions, language and identification, there are some differences in the latest documents regarding the view of who is defined as Basque and also to the detoriated relation to Spain. Although references are made to the regard that the Basque Country is for everyone, the persistence of emphasizing the uniqueness and myths of the Basque culture signals a different matter. The discourse analysis of the official documents supports this claim and although they contain an ambiguous relation to Spain it is clear that Basque nationalism has been radicalized.

SAMMANDRAGHistorisk Simulation, Delta-Normal och RiskMetrics prestation utvärderas med hjälp av Kupiecs Backtest. Value at Risk (VaR) beräknas med tre olika konfidensnivåer utifrån Affärsvärldens Generalindex och HSBC kopparindex. Utifrån överträdelser från verkligt utfall undersöks vilken VaR-modell som estimerar marknadsrisken bäst. VaR-modellernas prestation jämförs, och i analysen utreds hur konfidensnivå och tillgångars egenskaper påverkar VaR-modellernas prestation. Resultaten visar att Historisk Simulation presterar bättre än Delta-Normal och RiskMetrics på den högsta konfidensnivån vilket troligtvis beror på att RiskMetrics och Delta-Normal antar normalfördelning.

TO WORK WITH BIOLOGICAL MOTHERS IN LUND FROM AN ORGANIZATIONAL POINT OF VIEW ALEXANDRA BERTRAM Bertram, A. Degree project in social work 15 Credits. Malmö University: Faculty of health and society, Department of Social Work, 2014. This essay deals with biological mothers whose children are placed in foster care within the municipality of Lund. This essay aimed to describe how social workers in Lund deal with biological mothers from investigation, to treatment. In this essay social workers whom meets biological mothers on an everyday basis have been interviewed about their experience in the field, to gather information.

Young people of today have a much wider access to information on sex and relationships, and they receive this information from a variety of different sources. This information can sometimes paint a diverse and inconsistent picture. School constitutes one of these sources, and one of the few places were young people can discuss and reflect on these issues together with their peers as well as adults. The purpose of this essay is to gain insight on what adolescents between the age of 15 to 18 think about sex and relationships and their thoughts about sex education in school. It?s a qualitative study based on discussions with adolescents divided in four focus groups, two groups of girls and two groups of boys.

Rättspsykiatriska patienter är en grupp med mycket psykosocial belastning i barndomen och mer forskning behövs kring bland annat huruvida det finns samband mellan denna psykosociala belastning, framtida brottslighet och bedömd risk för våld. Denna studies syfte var att jämföra brottslighet, psykosocial belastning i barndomen samt initiala riskbedömningar gjorda med HCR-20 på kvinnor respektive män vårdade vid Rättspsykiatriska Regionkliniken i Sundsvall. Vidare undersöktes ifall förekomst av psykosocial belastning i barndomen korrelerade med bedömd risk för våld bedömd med HCR-20 eller med brottslighet hos patienterna. Studiens sampel bestod av 10 kvinnor och 39 män varav majoriteten vårdades enligt LRV. Data samlades in från journaler, rättspsykiatriska undersökningar och domar samt genom enskilda intervjuer.

Background: Corporal punishment has been banned in Sweden since 1979. Child abuse is known to exist in all cultures and social classes in our society. Therefore the nurse must be aware of this working with children.Aim: The aim of this study was to describe how nurses' can identify signs and symptoms of child abuse.Method: A literature review of ten articles containing six quantitative and four qualitative studies published between the years of 2000 and 2012. A content analysis was performed where similarities emerged in themes and subthemes.Results: The findings were signs and symptoms which concerns physical, psychological and social behaviors seen in child abuse. Additional findings were; an insecurity and lack of knowledge among nurses working with children.

Hair care is a hygienic treatment and is supervised by the Local Environment and Public Health Committee in the municipality. According to the Swedish Environmental Code, hairdressers as all practitioners are required to take measurements to protect the environment and public health. In hygienic treatments hazards may arise from inadequate hygiene practice which spread infection. Hazards may also arise from the use of hair care products such as permanent wave solutions, bleaches and hair dyes. Some hair dye components are known to cause contact allergy, mostly in hair dressers who are exposed professionally but also in some cases in consumers.