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.

This is a study based on discourse theory in purpose to examine the border-politics ofthe EU. Since the EU step by step has developed into an area of free movement on capital, people and services, the external frontiers have been given prioritiy on the political scene. Development in recent years have put questions of foreign- and security politics on a supranational level, meaning that the EU-member states in a wider range now cooperate in these political areas.To handle the increasing ammount of (illegal) migration to the EU an independet agency, Frontex,was established 2005 in favour of coordinating the Member States in issues regarding bordersecurity. The focal point of this study is to critically examine the identity of Frontex by using Becks theory of risk combined with the theory of governmentality. By doing so I seek to highlight the relation between Frontex and the EU and also that of Frontex mission in relation to illegal immigration.

The purpose of this study is to examine escort-business with a focus on sales of BDSM-services (Bondage and Discipline, Dominance and Submission, Sadism and Masochism). The study is based on qualitative interviews with three informants providing BDSM-services, as well as a survey with 96 men who requested domination of escorts (the survey was carried out by an escort in the 1980s). The analysis of this material resulted in the identification of three themes on which the study centers: The personal experiences of the three escorts, the interaction between the escorts and the clients, and the changes over time when it comes to the performance of BDSM-services. The study has a gender perspective with a focus on feminism and queer-theory. The important conclusions are that there are several differences between prostitution having a focus on BDSM-services and other prostitution.

At the EU summit in Cologne in 1999, a consensus was reached concerning the common foreign and security policy within the European Union. It was decided at the summit that the WEU (Western European Union) should be incorporated into the EU - whom would then be given military capability to act autonomously without the necessity of Nato involvement. This essay investigates the factors that made this agreement possible from a rational choice perspective, but also from the perspective of the power and influence on negotiations on behalf of various types of leadership present at the meeting. Many nations at the summit of Cologne where for the creation of a military force in the form of ESDP (European Security and Defence Policy) within the Union, and many where against such a decision. However a consensus was reached and that is what this essay shall try to explain.

The purpose of this study is to examine escort-business with a focus on sales of BDSM-services (Bondage and Discipline, Dominance and Submission, Sadism and Masochism). The study is based on qualitative interviews with three informants providing BDSM-services, as well as a survey with 96 men who requested domination of escorts (the survey was carried out by an escort in the 1980s). The analysis of this material resulted in the identification of three themes on which the study centers: The personal experiences of the three escorts, the interaction between the escorts and the clients, and the changes over time when it comes to the performance of BDSM-services. The study has a gender perspective. The important conclusions are that there are several differences between prostitution having a focus on BDSM-services and other prostitution.

Denna uppsats är en fallstudie som går ut på att beskriva företaget Icehotel AB och hur de gått tillväga för att bli ett attraktivt turistmål och framgångsrikt företag.Vi har genomfört en kvalitativ undersökning där vi intervjuat företagets VD Yngve Bergqvist samt kunder som besökt Icehotel. I resultatet redovisas svaret från dessa intervjuer.Vi har valt att lägga tyngdpunkten på marknadsföringen av Icehotel och hur de lyckats nå ut till människor från hela världen. I teoridelen tar vi upp Turistmarknadsföringens 8 P och Attraktionsutveckling. I analysen tillämpar vi sedan dessa på företaget.I slutsatsen diskuterar vi kring hur Icehotel gått tillväga för att bli ett framgångsrikt företag. Vi tar upp promotion av företaget, samarbetspartners samt den professionella marknadssegmenteringen..

Essay in Political Science, Advanced Course, by Christoffer Hagström?The Bush Administration´s view on international cooperation and internationallaw and political-theoretical traditions influence on the administration´s foreignpolicy?Supervisor: Jan OlssonThe purpose of this paper is to analyze the American foreign policy, particularly with regard tointernational cooperation and international law. The two following research-questions are used inorder to fulfil the purpose: (1) what is the Bush-administrations´s view of of the place forinternational cooperation and international law in American foreign policy?, and (2) how does theadministration´s foreign policy correspond to dominant political-theoretical thought-traditions? Thetraditions used are: liberalism, realism and neoconservatism. The sources of the study mostlyinclude literature and policy-documents.

The debate concerning face veiling has been brought in to view by several governments in Europe. Luca Mavelli studies the debate regarding the burqa using the concept of securitization and from that the objective of this study is to analyze the medial- and the political discourse in Sweden regarding the burqa. The formulated questions drawn from this is; who are the securitizing actors? According to the securitization actors, who can de defined as a referent object? Wherein is the threat according to the securitizing actors? Is it possible to recognize a difference between the medial and the political discourse?Furthermore the paper adopts the theoretical framework that is the concept of securitization, formulated by the Copenhagen School of security. The methodological foundation is based on a social constructivist approach and consequently uses Norman Faircloughs critical discourse analyzes as an analytical tool.

Cambodia is located in Southeast Asia with a tropical monsoon climate and distinctive wet and dry seasons. Poverty is a widespread problem in Cambodia and 30 percent of the population were classified as poor in 2009. About 80 percent of the populations live in rural areas where poverty is an even greater problem. In agriculture, rice cultivation is dominating and the crop is cultivated on 85 percent of the arable land. Livestock keeping is also a traditional part of Cambodian agriculture.

This study deals with one particular instance of foreign policy change in Sweden; The political take-off for enhanced Nordic Defence and Security Cooperation in the beginning of the 21st century which led to an agreement on a Nordic declaration on slolidarity. The aim of this study is to explain why the political development has undergone a rapid upturn and when such a policy change occur. Its purpose is to explain what factors and conditions that influenced the policy change. It also explores the meaning of the Nordic Declaration of Solidarity. The theoretical point of departure is Foreign Policy Analysis combined with John Kingdons policy-window theory.

Background:The concept of transition means a change in a person's life where he or she is forced to adapt. There are different phases in life that results in different adaptations. In this essay, transition is described as the physical and mental journey between the home and an elder care facility. The Aim was to describe elderly people's experiences of transition when moving from their previous home into an elder care facility. The Method used was a literature review.

The world is getting smaller. Global markets, political processes and communication technology bring people together. Even though many of these processes are dynamic and constructive, they have also resulted in a need for better and more effective ways of international conflict resolution. This thesis investigates central issues connected to the concept of humanitarian interventions in relation to current and future legislation of the European Union. The overall question is whether the rapid globalization process has resulted in a change of international law towards more liberal view where authorization of the security council is not always needed? And, if there has actually been such a liberalization, how does that affect the legal possibilities for the European Union to carry out armed operations without the consent of the global community? The conclusion of the thesis is that international law has been modified mainly in two aspects: First, the concept of sovereignty is no longer seen merely as a right of the nation, but also as a responsibility.

The purpose of this work is to create more knowledge about the teacher's perceptions of group dynamics and its impact on school activities. How do teachers opportunities and obstacles in order to influence group dynamics among students. The questions I have answered is how the teachers see the importance of a functioning group dynamics in school, how teachers work with group dynamics and how teachers describe the opportunities and obstacles for effective group dynamics. The method I am using at work is a qualitative research method that involves obtaining the teachers' own thoughts, feelings and experiences around the right questions. I have interviewed three teachers in primary schools in the county of Stockholm to find out their particular approach.

A degree thesis about quality control and assurance in construction. Made in cooperation with Wästbygg. An analysis was made of the self-monitoring control that is conducted during the construction. The data was collected from interviews from personnel employed by Wäsbygg as either work-leader, project-manager or quality- and environmental-coordinator. During the study there was also a review of the literature in the subject.

Abstract The IT- business is a fast growing business trade. This expansive line of business continuously demands flexibility both economically and legally. It is, today, of great importance to have knowledge about your own trade especially when it comes to new agreements. Laws and regulations are seldom flexible and adaptable tools, this is due to the fact it takes time to create new laws and, above all, it takes time to create laws with the right effect. This is where standard agreements enter the scene.