Banks carry a great responsibility when it comes to the financial systems in our society. Disturbance in the credit system affects both lender and borrower. All financial institutions must therefore carefully estimate their risk exposure. This assessment enables them to cover themselves from losses with appropriate capital buffers as main guardian. In order to prevent bank crises and also to maintain financial stability in general, new regulations concerning analysis and preventive actions were introduced on the 1st of February 2007.

Bakgrund: Studier visar att ungefär var fjärde patient som vårdas på sjukhus har riskför att utveckla undernäring. Komplikationer av undernäring orsakar lidande förindividen samt förlänger vårdtiden vilket leder till ökade kostnader för vården.Problematiken med undernäring väntas öka då antalet äldre i samhället ökar. Äldre är enutsatt grupp där risk för undernäring, ätproblem och sömnlöshet är vanligtförekommande. Frågan är om risk för undernäring och ätproblem är vanligare hos äldresom lider av sömnbrist. Syftet: Var att undersöka om det finns ett samband mellansömnlöshet och risk för undernäring samt mellan sömnlöshet och ätproblem hos äldrepatienter.

Bakgrund och problem: För att öka stabiliteten i det finansiella systemet utvecklades ettinternationellt regelverk för kapitaltäckning, Basel I. Regelverket innebar att banker skullehålla ett visst minimikapital för att skydda sig mot risker. Det visade sig dock att regelverketinte gav ett fullständigt skydd mot risk, vilket ledde fram till ett reviderat regelverk, Basel 2.Operativa risker har blivit allt vanligare på senare år bland annat tillföljd av globaliseringen.Det nya regelverket innebär att operativ risk liksom kreditrisk och marknadsrisk har blivit enegen riskkategori. De metoder som används för att kvantifiera operativ risk är fortfarande iinledningsfasen. Detta ihop med att det är en svår gränsdragning av begreppet operativ risk tillandra risker, gör det till ett relevant område att studera.

Animal welfare in Sweden has gone through major changes during the later years. In 2004, Swedish Animal Welfare Agency took over the central responsibility for the animal welfare from the Swedish Board of Agriculture, and in 2007 the board again became the central authority for animal welfare in Sweden.Even the practical supervision has changed, from the 1 of January 2009 the supervision is to be performed by the county administrative boards, instead of by the individual municipalities. Since 2006 every horse in the European Union has to have an identification card, in Sweden called a ?horse passport? which describes the color and markings of the horse as well as any veterinary treatments.The ELOF-project, a collaborative project between the Swedish Board of Agriculture and the county administrative boards, intends to make the animal welfare supervision effective, standardised, fair and Risk-based. Because of the takeover of the supervision and of the ELOF-project the Örebro County Administrative Board has began to make an inventory of the number of horses and horsefarms in the county. Another Ethology and Animal Welfare-student and I did, in collaboration with the county administrative board created a checklist that in connection with the inventory will lead to a Risk-based animal welfare supervision.

Syftet var att beskriva förekomst av risk för eller undernäring samt vanligast insatta och typav förebyggande åtgärder bland personer i särskilt boende samt att undersöka om det fannsskillnader i förekomst av risk för eller undernäring hos personer med neuropsykologiskaproblem jämfört med personer utan sådana problem. Studien hade en beskrivande ochjämförande design med kvantitativ ansats. Datat inhämtades från kvalitetsregistret Senioralert. Deltagarna i studien utgjordes av 341 personer från en kommun i Mellansverige.Resultatet visade att 41,9 % hade risk för eller var undernärda enligt MNA-SF. BMI <22poäng hade 23,5 %.

Municipal safety work is an issue frequently discussed. The new legislation about accident prevention obeys the Swedish municipality to present an action program for accident prevention. In Borlänge municipality there has been no sanctioned proposal for a program. This report presents the problems found and gives proposals for improvements in the future safety work. The guiding words should be unambiguousness, able to control and not too complicated.

Background: Many authors consider knowledge to be a significant source for competitive advantage. Replicating companies found their competitiveness on an ability to leverage its knowledge base by replicating its business model in new contexts, a process often referred to as the McDonalds approach. Several authors emphasize that an efficient method for knowledge transfer may increase the risk for imitation. Purpose: The purpose of this study is to examine in an explorative manner how strategies for replicating complex knowledge systems are employed and developed. Furthermore, our ambition is to explore the notion of replication strategy.

The aim of this study was to investigate if a mechanical recruitment process could be a useful tool for employers to avoid discrimination. National and international law protect jobseekers from discrimination during the recruiting process. Despite this individuals frequently report that they are treated unfairly when they apply for a job. In line with this research shows that some individuals do not have the same opportunities in the labour market as the rest of the population. This study focus on discrimination based on ethnicity, age, gender or disability.Today most of the hiring decisions are based on employers professional judgement.

The purpose of this thesis is to investigate the ways in which emotion regulation and mood affects risk taking when it comes to decision making competence. Emotion regulation is an essential part of the attachment process, the development of an autonomous self and functional stress coping systems. Research indicates that there is a relation between a distorted emotion regulation and some psychological disorders like depression, PTSD, anxiety disorders and borderline (or instable emotional personality disorder). There is a definite need to analyze the relation between emotion regulation and decision making competence since it is relatively unexplored. A digital questionnaire was distributed amongst the participants.

The location on the river delta of Klarälven, adjacent to lake Vänern, makes Karlstad one of the Swedish cities where a significant flood risk is present. The city has several major floods in its memory which has caused great material damage and economic losses, the latest of which occurred in the winter of year 2000/2001. The purpose of the study is to examine how the approach to flood risk has changed in the municipality of Karlstad since the 1950s, and how this change has affected the current situation regarding the city's vulnerability to flooding. To investigate this, a document analysis was conducted, where key documents in the media and from the municipality of Karlstad was studied. Furthermore, an interview study was conducted with respondents who currently are employed or previously have been employed in the municipality of Karlstad, who in various ways work with issues of flood risk. The result of the study shows that several changes have taken place since the 1950s in terms of the municipality's approach to flood risk, which for instance has led to preventative measures being taken to a greater extent than previously in the physical planning.

Obesity is a growing problem worldwide among children and adolescents. Previous research has shown that food habits and weight in order children with high and low risk of developing obesity (based on parental BMI) differs between the two groups. It has also been shown that the mother affects the child´s food habits and weight..

Abstract  Title: High-Risk Funds vs. Mutual- Index FundsA study of macro -variables influence on different funds choice Level: Final assignment for Bachelor Degree in Business Administration Author: Moses Yokie & Bo Lemar Supervisor: Ogi Chun & Cheick Wagué Date: 2011-05-25 Aim: The purpose with this thesis is to compare two different types of mutual-index fond and a high-risk fund in relation to the macro variables. The purpose also includes an investigation about if an investor will receives a higher return on high-risk fund than on mutual-index fund in a 10 years period.Method: A quantitative method has been use in this study, where the information has been received from Morningstar. Microsoft Excel has been used to process the collected data in order to calculate the expected return and the risk measures. The result is presented in graphs and tables on the empirical capital, in order to analyse and compare it with the theories and the selected macro- variables to see if there will be any correlation. Conclusion: This research shows that there is no possibility that the macro-variable factors can benefit an investment on high-risk fund or on mutual-index fund in the short run.

Denna uppsats syftar till att skapa en bild över dels bankers attityder till de nya reglerna om kapitaltäckning, dels vilken påverkan de nya reglerna kommer att ha på banker. Uppsatsen bygger på en induktiv metod med en kvalitativ undersökning. Empiri har huvudsakligen samlats in genom intervjuer med representanter från den svenska finansiella sektorn. Slutsatser:Cirka tio institut kommer att välja att tillämpa Internal rating based approach (IRBA) vid beräkning av kapitalkrav för kreditrisk. IRBA förväntas sänka det befintliga kapitalkravet.

This paper investigates the compensation for risk in the context of the Swedish stock market with a special focus on downside risk. Using daily market data collected from the A-list of the Stockholm Stock Exchange between the years 1983 and 2005 the purpose is to answer the question whether Swedish investors are compensated for holding stocks with high downside risk, measured as downside beta. Using panel data analysis it is shown, in accordance with most previous evidence in international research, firstly that stocks with high beta values on average experience higher returns than stocks with low beta values, and secondly that stocks with high downside beta values experience higher returns than stocks with high beta values in general. On the other hand, cross-sectional regression methodology using a bivariate regression approach shows that downside beta does not explain excess returns very well. Instead, regression analysis suggest that high upside beta does a much better job in explaining excess return over this time period compared to downside beta.

Now a day?s there is dramatic change from traditional to digital information processing in construction industry. This change can be visualized in the project concept stage where it now has accessibility to join all the data in one place. Location-based planning technique simplifies scheduling by visualizing the schedule efficiently and has many advantages such as might shortened the project period by about 10 - 20 % if the company uses location-based technology, reducing risks in many ways by maintaining production continuity and identify collisions between things etc. Vico Office software has been used for Location based planning technique and in this thesis.The purpose of this thesis work was to demonstrate how location -based planning technology change the scheduling stage in Peab, potentially reducing the project time.