The Swedish market for unsecured loans has frequently been attacked by media and government officials. Some actors have been accused of exploiting customers and charging inappropriately high interest rates. Despite the public interest very little academic work has been published on the topic. Therefore it is our purpose to investigate why the prices can differ so much between the different actors. Further, we also aim to conduct a market overview as a secondary purpose which will help us in reaching our primary purpose.

Companies that invest in e-learning have different expectations regarding the outcome of the investment. According to literature and articles it is common that companies see reduction of costs as the primary benefit with e-learning. Therefore we ask ourselves the question if companies have attained the expected benefit of the investment in e-learning and to what extent cost reduction have been a determining factor in the investments? The purpose of the thesis is to examine if companies that invest in e-learning have attained the expected benefits. We also want to examine what the reason for investing in e-learning is and if cost reduction is the primary reason for investing.

AbstractThe comprehensive purpose of this essay is to get deeper insight, and more knowledge of how it is possible as an educationalist to integrate Swedish with outdoor education at a junior level. Children learn to read in different ways. In order to improve their reading and writing it is important to be open for alternative ways. In my survey I have chosen to interview three active educationalists. The method I selected was quality interviews.

This paper examines whether the American officer?s education at West Point and the Swedish officer?s education at the Military Academy Karlberg have adapted their history of the military art education in accordance to the new requirements of the Armed Forces and its focus on the operational defense. Sweden is evolving towards an operational defense and so is the United States. This in turn requires that training and education keep up with the changes. The National Defense College in Sweden do not focus the teaching of advanced history, which happened beforet he invention of the engine, in the officer?s training program, while the American education is rather advanced, with special focus on events taken place in the 19th century up to the Cold War.

The main purpose of this C-essay is to answer the question: What have been the consequences and effects of the merit point system on language studies and the parties concerned (teachers, students and principals) during the school year of 2010/11?The merit point system is the result of a political decision and was implicated for the first time in the Swedish upper secondary school during the school year 2010/2011. Being a completely new phenomenon it is of great interest and importance to study its effects.The study in this essay also aims to verify, falsify or nullify two hypotheses very often referred to in the political discussions regarding the merit point system:The merit point system will replace affection and interest as main reasons for language studies in upper secondary school and cause a rectification amongst the students choices of additional courses.The merit point system will have a segregating effect upon society and make it harder for people to rise in society through education in the future.A verification of these hypotheses would imply the appearance of an increased rectification amongst students as well as an orientation towards an in the future more segregated society.The empiric material has been collected and examined with qualitative as well as quantitative methods (questionnaires and interviews) and belongs epistemologically to the phenomenological and hermeneutical traditions..

 The Swedish school of today reflect the society we live in. We live in a multi cultural society and in our schools there are pupils with different backgrounds, cultures and mother tongue, which make it necessary for every teacher to treat every single pupil?s need and condition. The education in Sweden must be equivalent, according to Skollagen, 1 kap. 2§.

The aim of this essay has been to surrey the perspective of view the special education teachers have on the tree concepts of special education, compensatory-, critical and dilemma perspectiveThe questions that have been covered in this study areWhat does the concept of special education means for the special teachers? What does the concept of mathematic difficulties means for the special teachers?What does the concept of the diagnostics of dyscalculia means for the special teachers?A qualitative research method has been used to answer the questions in this essay. In the purpose to get the most out of the study..

The aim in this thesis is to study what attitude music teachers in Sweden and New Zealand have towards Information and Communication Technology (ICT) in music education and obtain a better understanding of how their attitudes affect the way they use ICT in their teaching. Another intention is to discuss differences and similarities between the teachers´ preferences regarding this issue in the two different countries, and whether it has any effect on teaching. It's a qualitative study based on interviews with music teachers from both countries. Through the answers we can get an impression about how ICT is used in music education, how the curriculum is interpreted when it comes to use ICT in music education and how the teachers' attitudes towards ICT affect the music education. This thesis shows that teachers are positive towards ICT in music education but the attitude, knowledge and the way of using it differs, due to access to technology and different opinions about what is essential in music and what is pedagogical.

This study concerns art education, and the importance of creativity in learning. The objective is to examine the use of art education in practice, and the school teacher?s position on this practice.The theoretical basis of the study is rooted in a socio-cultural perspective, and concerns the relationships between theoretical concepts as learning, knowledge and art education.The investigation is qualitative and the main research methods are participant observations and structured interviews.The group studied in this investigation consisted of five active educators, who work at different schools and make use of art-based methods in their daily work.My results show that teachers believe that art education can be used by schools as a gateway to the other subjects. Art is regarded as a form of understanding through which pupils explore their surroundings, challenge their ideas and build skills through interaction with others..

Introduction: Sleep is necessary for human survival. Difficulty sleeping occurs in about one in four adult person in Sweden, insomnia in every ten. There are several reasons for difficulty sleeping, where stress is one of the most common. The quality of life and health are affected negatively. Treatment with proven efficacy against insomnia is not only sleep medication, but also cognitive behavioral therapy, CBT.

Through a quantitative examination, 26 pedagogies in the pre-school activity answered a few questions in an enquiry about outdoor education. The purpose with this examination was to find out what pedagogies think and apprehend about outdoor education, and also if the "education plan" is in their minds during outdoor activities and if they see them self´s as competent in nature studies. They have also answered questions whether they think that they have good outdoor environment that stimulates children´s development and learning and if there´s any forest that they visit on regular basis.The pedagogies think that during time spent outdoor, it´s the motor skills that are best developed. All of the pedagogies mentioned above think that they need to get more educated in nature studies and also that pedagogies attitude towards time spent outdoors affect the children. They do not think about the goals and intentions of the "educations plan" all the time.

Social work has gone from being a primarily philanthropic issue to becoming an academic discipline at university level. To ensure its legitimacy social work must be founded on, and developed through scientific research and documented experience. The purpose of this essay is to review the various arguments on social work in order to evaluate their impact on education, which in turn affects students. In addition, it will demonstrate how different forms of knowledge are valued depending on the contexts. As a means of reaching this objective, the following questions are addressed: ?What are the requirements and recommendations on how the education of social work should be structured, and why are these requirements and recommendations important??, ?How has the education of social work been influenced by the perception of valuable knowledge?? and ?How does the education of social work affect students?? The collected material consists of various arguments concerning the development of social work and the education of social work's formation.

The aim for this paper has been to examine three textbooks designed for science education in upper secondary school in order to determine whether they convey any specific attitudes regarding what is considered to be ideal knowledge within the field of biology. The main focus has been to investigate if different types of design strategies have been used to emphasize certain values or attitudes and if this proves to be the case, how is this achieved specifically?                      For this purpose I have conducted several different qualitative linguistic analyses of the textbooks. The theoretical framework for the analyses lies within the main field of critical linguistics and more specifically in the context of systemic functional linguistics. The two main language models I have chosen to use for my investigations are functional grammar and multimodal text analysis.                      My results imply amongst other things that by conducting an overall assessment of the headlines in the textbooks a fair assessment can be made of which overall attitudes the books convey.

Practical and theoretical learning are methods that are used in schools as a way to prepare students for the working life. Within the practical learning knowledge is not only acquired to learn in practice, but the students must also be able to apply their theoretical knowledge to what he/she does. Against this background, the aim of the study was to investigate the importance of practical learning for students in college / university level and how they are experiencing the stress that may arise out of the loss of practical learning during their education, as well as their vision for working life after completing their education. The population of the study consisted of N = 36, which 18 of these had used both practical and theoretical learning and the remainder had only used theoretical learning. The method was a questionnaire survey with a high proportion of fixed alternative answers according to likert scales.

The purpose of this paper was to investigate how some teachers interpret, teach and assess listening strategies. Our investigation was based on interviews and a questionnaire answered by some year 9 English teachers. Furthermore, the aim was to study whether awareness and teaching of listening strategies are important for teachers in their everyday practice. The results indicate that the teachers interpret listening strategies as purposes for listening, such as listening for detail or the whole. The teachers do not explicitly teach listening strategies, and they do not assess them.