This thesis of 15 hp has been implemented at Halmstad University, incollaboration with Saab Dynamics in Linköping. Saab Dynamics is a companyoperating in the defence industry where competition is tough. This necessitatesnew ways to increase efficiency in the company, which is the basis for this thesis.Saab Dynamics wants to introduce simulation driven design. Since SaabDynamics engineers have little experience of simulation, required a usermethodology with clear guidelines. Due to lack of time, they chose to assign thetask to students, which resulted in this thesis.The aim of the thesis is to develop a methodology in mechanical design, wherethe designer uses the FE analysis early in the design process to develop thestructures' mechanical properties.

Ombildning från hyresrätt till bostadsrätt är ett fenomen som blivit allt vanligare under de senaste tio åren. Genom att genomföra en ombildning får innehavarna av lägenheten, oftast de forna hyresgästerna, tillgång till en värdefull bostadsrätt, vilken till skillnad från en hyresrätt, kan säljas och köpas öppet på marknaden. Eftersom ombildning har blivit så vanligt i Sverige uppkommer ett intresse, för samtliga inblandade parter, att veta hur de åtgärder, som förekommer vid en ombildning, skall företas. Förr eller senare kommer Sverige att ställas inför en räntehöjning, vilken kommer att få stor ekonomisk betydelse. En räntehöjning kommer nämligen att på sikt ge negativa konsekvenser för många hushåll, eftersom de svenska hushållen lånar pengar i mycket stor utsträckning till sitt boende.

The main purpose of the essay was to evaluate whether investments in index-linked bonds were suitable investments for smaller investors on the international finance market. To determine whether the index-linked bonds are good investments, the variables yield, cost and risk were used to measure the index-linked bonds against investments in stocks and funds. The reason for the interest in this subject is that investments in index-linked bonds have grown furiously the last few years. With the growth of the investments the criticism of index-linked bonds has also grown stronger. The critics? main point is the cost of the product, and they imply that investors can create their own index-linked bond and thereby avoid the bank fees.This study used a quantitative approach, because all the data of yield, cost and risk consist of numbers.

Sweden?s health care is continuously subjected to economical cutbacks, which results in enormous workloads. To prevent problems that arise in these situations, it is of great importance to take measures to increase the efficiency of the working process. This goal can be obtained by increasing our knowledge of the body, under both normal and sickly conditions. That is, by sharing knowledge of the various medical service units within Stockholm?s county council and thus elaborates diagnostics.

In an attempt to prevent ground damage and to reduce harvesting costs, StoraEnso's districts Värmbodal and Fryken, selected a number of final felling areas where the base roads have been marked by planners in the districts. The parties involved in the experiment are mainly planners, harvester operators and forwarder operators. The purpose of this paper is to determine the findings of this trial and to find cost savings or lost revenue. This has been done with a sample of interviews from the involved parties who logged the chosen felling areas. Literature about the interview process has been used to facilitate data collection, interpretation and analysis of the material. If we look at profitability based on assumed income and expenditure, revenue per MWh would be 63 SEK.

In order to drive innovation and growth in a nation is it important to have innovative companies. Many of those innovative companies are smaller companies, which are in need of capital injections for expansion of its operations or to be able to produce a commercial product. In many cases the banks will not lend because they believe there is too great a risk that they will not get their money back. It is in this situation venture capital becomes interesting. Venture capitalists? see the potential the product and/or entrepreneur possesses and are therefore more willing to take the risk in investing in these companies.

Every year, thousands tons of edible food are discarded by the grocery stores. This is food that could have gone to people that?s in need of it. In many countries, so called food banks are established in order to supply welfare organizations with this kind of food. Today there is no equivalent system existing in Sweden.

This thesis of 15 hp has been implemented at Halmstad University, in collaboration with Saab Dynamics in Linköping. Saab Dynamics is a company operating in the defence industry where competition is tough. This necessitates new ways to increase efficiency in the company, which is the basis for this thesis. Saab Dynamics wants to introduce simulation driven design. Since Saab Dynamics engineers have little experience of simulation, required a user methodology with clear guidelines.

The increase in farmland value in Swedens plain areas is a well known fact in today's Swedish agricultural. In connection with the fluctuating prices of crops and inputs, are increasing the risk exposure to agriculture. The increased value of agricultural land has in Sweden over the years been due to a high demand for land that has existed and exists in Sweden. The increasing demand is linked to a structural rationalization of Swedish agriculture, leading to fewer and larger farm units (www, privataaffärer, Carl Johan Jurss).The purpose of this study is to examine the potential risks associated with the farmland value falls or remains unchanged, according to a farm credit administrator's perspective. The idea is to get a picture of the main factors taken into account when lending and the problems with falling or stable land prices into account when lending.

AbstractThis is a thesis done in cooperation with the firm Somas and University of Karlstad. The project is an independent final examination part of the program in Innovation and DesignEngineering comprising 22.5 points, and performed by Mia Myrén Zreloff during spring term 2012. In parallel and collaboration, Fredrik Kjellin performs a similar job for the same company and with the same extent, but for the Program in Mechanical Engineering.The client and supervisor at the company have been Magnus Jansson and Anders Josefsson. At Karlstad University has technical supervisor been Hans Johansson, and in the design- and development process it was Monica Jakobsson. Examiner has been Fredrik Thuvander, professor in the Faculty of Technology and Science at Karlstad University.The mission has been to make a basis work for the company's own development and make a computational model to calculate, visualize and implement materials and other solutions in the manufacture of the company's ball valves.The project has undergone three major phases that included thorough study of the company, production, the problem and product.

ur society is today in a phase of development in environmental and sustainable thinking. Alarming reports show changes in climate caused by our load and exhaust of resources. The energy usage contributes to a big part of it, by its emission of carbon dioxide. The built environment uses around 40 % of the total energy consumption in Sweden and requests to strongly reduce it are presented from both EU and national level.This thesis brings up the subject of green building with a focus on how we can create more energy efficient buildings in projects of new construction. Since the construction industry today often fails to pass on the knowledge between different projects, as a return of experiences, the construction company Skanska suggested the topic for this thesis.

"Handelsbanken är en av nordens största banker med ett gott rykte och nöjda kunder, vilket studien även visat. Bankens märkesvärde grundar sig på en decentraliserad organisation, där varje kontor ansvarar för kunderna i sitt eget närområde och arbetar aktivt för att ha så nöjda kunder som möjligt. Eftersom varje kund tillhör ett visst kontor skapas ofta en relation till personalen på det kontoret och en känsla av tillhörighet uppnås. Många kunder upplever mindre och mindre av denna relation efter att många bankärenden utförs på internet. Kunder som använder internettjänsten för sina ärenden får fördelen med större kontroll och frihet över sin ekonomi, men för Handelsbankens del innebär det att de förlorar relationen med sina kunder.

This thesis of 15 hp has been implemented at Halmstad University, in collaboration with Saab Dynamics in Linköping. Saab Dynamics is a company operating in the defence industry where competition is tough. This necessitates new ways to increase efficiency in the company, which is the basis for this thesis. Saab Dynamics wants to introduce simulation driven design. Since Saab Dynamics engineers have little experience of simulation, required a user methodology with clear guidelines.

Titel:                        Missnöjeshantering i banker - En fallstudie av Sala SparbankSeminariedatum:    19 januari, 2012Institution:              Akademin för hållbar samhälls- och teknikutveckling, Mälardalens  HögskolaNivå:                        Magisteruppsats i företagsekonomi, 15 hpFörfattare:              Odhiambo Opee och Charlotte SkinnarHandledare:            Carl G ThunmanNyckelord:              Klagomål, banker, missnöje, Word-of-Mouth, Sala SparbankSyfte:                       Syftet med denna uppsats är att beskriva missnöjeshantering hos Sala Sparbank. Uppsatsen undersöker hur studieobjektets missnöjeshantering överensstämmer med en egenutvecklad modell för missnöjeshantering. Resultatet av uppsatsen förväntas utmynna i en reviderad modell för missnöjeshantering samt att utreda om Sala Sparbank kan förbättra sin missnöjeshantering.Metod:                     En egen modell utvecklades utifrån den teori som samlats genom litteratursökning i artiklar, böcker och olika internetsidor. Modellen och teorin låg sedan till grund för de tre fokusgruppintervjuer som genomfördes. Resultatet bearbetades genom ?klipp och klistra? metoden och analyserades sedan utifrån modellen.

Bakgrund och problemdiskussion: Bankkrisen under 1990-talet och den globala krisen mellan 2007 -2009 har kommit som en kalldusch för de svenska storbankerna, Handelsbanken, Nordea, SEB och Swedbank, vilket har lett till betydande kreditförluster. Kreditförluster är den vanligaste orsaken till bankernas ekonomiska problem vid en finansiell kris då återbetalningsförmågan hos kredittagare försämras, samtidigt som det talar för att finansiella kriser är ett återkommande fenomen idag.Syfte: Syftet med detta examensarbete är att se vilka åtgärder i kreditprocessen som gjorts efter finanskriserna i de fyra svenska storbankerna samt även se hur tidigare gjorda åtgärder stod sig under den senaste krisen. Vår ambition med uppsatsen är att de resultat vi får fram ska kunna användas av bankerna i kreditprocessen så att de påverkas mindre vid framtida eventuella kriser.Metod: Uppsatsen grundar sig på en kvalitativ metod med respondenter med gedigen erfarenhet och ansvarspositioner inom storbankernas kreditprocesser och praktisk kunnighet gällande storbankernas påverkan av finansiella kriser.Slutsats: De svenska storbankernas kreditprocesser stod sig bra under den senaste globala krisen i jämförelse med bankkrisen under 1990-talet, orsaken till det är de åtgärder som gjordes i kreditprocessen efter bankkrisen inom banken. Kreditprocessen har under de senaste 20 åren gått från en delvis oprövad och snabb kreditprocess till att idag vara en mer sofistikerad och tungarbetad kreditprocess som ställer högre och strängare krav på kredittagarna. För att få kreditprocessen helt vaccinerad mot finanskriser anser vi att det behövs mer mod och integritet hos kredithandläggare för att på bästa sätt kunna förmedla den rådande situationen på ett korrekt och snabbt sätt..