Real estate financing is one of the key figures for financial success and fundamental to asuccessful business. Funding will come in several different ways, from existing cashflows andassets to new capital requirements which are aimed at different markets.These markets are constantly changing and since the recent financial crisis, there have beenadjustments and austerity measures which led to that the banks have become more restrictive intheir lending.The real estate industry is characterized by both long-term and short-term thinking that ischaracterized by a solid continuity. Our thesis discuss how the demand is in the real estatebusiness and how mature the Swedish market is for junior financingwith focus aroundmezzanine debt and where are we headed in the near future.We've reached out to the key players in the industry on both the buy and sell side of real estatefinancing but also people between lenders and borrowers that handles transaction advice. Tohave been able to implement the analysisa survey and simulation of an investment calculationwas created. This questionnaire was answered by many real estate companies with senior peoplethat had operational positionsmost associated with corporate commitments.

The meaning of the covert co-ownership is that the parties must have intended that the property should be their common. A party must, to be able to claim ownership, have con-tributed to the acquisition financing through the financial contribution. Further shall the fact that the property should be their common be agreed or have been assumed by the par-ties. There are the circumstances for the purchase that should be considered in determining if covert co-ownership is presumed. Covert co-ownership has been established although one party only contributed a small part to the acquisition.

The purpose of this essay was to examine pupils who leave the Swedish nine-year compulsory school system without reaching the requirements for the Swedish senior high school, and then to compare with those who reach the requirements. I used the following questions to help me reach this purpose:- Where in life are those pupils who reached the requirements for the Swedish senior high school?- Where in life are those pupils who did not reach the requirements for the Swedish senior high school?- What differences are noticeable between these two groups?The method that I used to examine these questions was to send out a questionnaire to the pupils. I also tried to make an explanation to the results with the help of Erwin Goffmanns theories.The result of this essay shows that there is not a big difference between the two groups. They both did equally well after they finished the Swedish nine-year compulsory school..

Previous studies have shown that teachers in school are having an insufficientknowledge about the bullying at their own school. These studies are based from pupils point of view at the senior level of the nine-year compulsory school. Based on this literature we became critical and wanted to examine this closer.The purpose of this essay was to find out and to examine how the staff in two different senior level of compulsory school notice, prevent and counteract bullying in their daily line of work. With this essay we hope to get the schools attention and understanding about this existing problem. We have done a qualitative study using qualitative method for collection of data.

Trycksår orsakar lidande för patienter och höga kostnader för sjukvården. För att förhindra uppkomst av trycksår är det viktigt att identifiera patienter med ökad risk för trycksår samt att aktivt arbeta med preventiva omvårdnadsåtgärder. Ett strukturerat arbetssätt kan göras utifrån kvalitetsregistret Senior Alerts rekommendationer. Senior Alert är inriktat på förebyggande vård av äldre över 65 år och i registret registreras bland annat risk för trycksår, planerade åtgärder samt sjuksköterskans utvärdering av de insatta åtgärderna. Syftet med studien var att kartlägga täckningsgrad, utförda riskbedömningar och planerade åtgärder avseende risk för trycksår i kvalitetsregistret Senior Alert.

Trycksår orsakar lidande för patienter och höga kostnader för sjukvården. För att förhindra uppkomst av trycksår är det viktigt att identifiera patienter med ökad risk för trycksår samt att aktivt arbeta med preventiva omvårdnadsåtgärder. Ett strukturerat arbetssätt kan göras utifrån kvalitetsregistret Senior Alerts rekommendationer. Senior Alert är inriktat på förebyggande vård av äldre över 65 år och i registret registreras bland annat risk för trycksår, planerade åtgärder samt sjuksköterskans utvärdering av de insatta åtgärderna. Syftet med studien var att kartlägga täckningsgrad, utförda riskbedömningar och planerade åtgärder avseende risk för trycksår i kvalitetsregistret Senior Alert.

This Degree project is a study about the Mortgage Cap, introduced in October of 2010, and its impact on the demand for rented apartments. The mortgage cap was introduced to decrease the households? loan-to-value ratio and thereby increase their economical resistance during times of financial instability.The past ten years Swedish households have continuously increased their average loan-to-value ratio. In an attempt prevent this negative development Finansinspektionen introduced a mortgage cap stating that banks should no longer grant mortgages corresponding to more than 85 percent of the property?s market value.In order to answer the main question two methods were used both a survey and two interviews.

By using univariate analysis, tobit and logit regressions, this thesis investigates determinants of asset writedowns. After controlling for variables indicating reductions in asset values, the results show that changes in senior management are significant in explaining the writedown decision and magnitude, which is in line with previous research. The explanatory power of changes in senior management has not increased with the transition to IFRS in 2005. No evidence is found supporting the hypothesis that the explanatory power of management incentives is higher for more discretionary types of asset writedowns..

This essay studies the relationship between politicians and municipal chief officers from the point of view of the bureaucracy and its role in democracy and the substance of the chief position. I conducted interviews and observations with politicians and senior officials from the local public administration in Bromölla. The roles of the chief officer and politicians have certain common characteristics which makes it difficult to separate them. Senior officials working full time in contrast to part time politicians give them an advantage in the political process. Budget cut backs both enhance the role of politicians and chief officers in the administrative organisation.

Due to stress, the workplace is a setting where actions of health promotion are of great importance in the perspective of public health. Stress is caused by heavy workload, low control of organizing their tasks and lack of support from colleagues and supervisors. This can lead to cardiovascular disease, depression and insomnia. Due to the health problems that this causes, it is important to examine how senior immigration offices perceive their psychosocial work environment.The aim of this thesis is to examine how the senior immigration offices at the Migration Board perceive their psychosocial work environment. The study is based on a qualitative approach with deductive content analysis and the data has therefore been collected through interviewing six people based on a semi-structured interview guide.The result has shown that the senior immigration offices are pleased with their work environment and that their workload is constantly changing.

Huvudsyftet var att genom en fallstudie utvärdera om träningsprogrammet, Minneslek Senior, är ett användbart pedagogiskt verktyg, för att förbättra elevers förutsättningar för inlärning. Vidare var syftet att undersöka de stödinsatser som ges till elever, med rörelsehinder, i en inkluderande grundskoleverksamhet. I min studie använder jag mig av olika metoder för att belysa mitt fall. Tre elever fick genomföra ett arbetsminnesträningsprogram, Minneslek Senior. Med en av eleverna genomfördes observationer i olika lärandesituationer samt en djupare intervju för att få förståelse för elevens inre tankar om sin skol- och lärandesituation.

When a country faces a decline in business activity, companies have to struggle to gain external capital. It is even more important for small enterprises to get capital, as they normally do not have enough collateral to receive traditional bank loans. In Bangladesh, Grameen Bank started with micro credit programs in the early 90?s, that included small capital loans and leasing of machines. Nowadays these micro credit programs have developed to function even in industrialized countries.

Our purpose with this study was to look at the pawnbrokers role in the Swedish welfare state from the customers perspective. Our purpose was also to see how the customers used the loan. We wondered why people used the pawnbroker's and how the pawnbroker's could be understood as a providing alternative related to the three spheres state, market and family? Above looking at previous science we also did three interviews with people who worked at a pawnshop, a budgetadvisor and a smaller investigation with customers of a pawnshop.We came to the conclusion that the customer needed the money from the loan to buy food in many cases, according to the investigation we did with the customers. According to the employees the customers needed the money for different things, such as paying the bills or unexpected expenses.

English title: Is a literary canon necessary? A comparative study based on seven senior high school teachers´ different approaches towards the place of canon in the education of Swedish. The purpose of this study is to describe and analyze how seven senior high school teachers relate to a literary canon in Swedish while teaching literature in senior high school, identifying similarities and differences among the teachers? view and opinions about an outspoken formal literary canon and a silent, informal canon.The earlier research opens the door slightly to the American debate and gives insight about the complexity of the concept of canon. The study continues with exploring possible relations to postcolonial theory and didactics.    The study reveals that the majority of the concerns against canon are that too much centrally governed education may decrease the motivation and commitment of the teacher. In addition, the dominant canon passivizes a certain variety of literature, thus various points of views. On the other hand, views on the equalizing effect of canon on the level of education and its benefits in increased knowledge of the history of the literature are salient. .

Introduction: Malnutrition leads to loss of health and coexists with disease and loss of function. A good nutritional status becomes more important the older you get to maintain a good health. Studies show that it is important to identify and prevent malnutrition in its early stages. Men and women recieve different medical treatment in a number of different medical diseases. There are few studies in nursing from av gender perspective.Aim: The aim of this study is to examine the prevalence of malnutrition in the elderly in Västra Götaland with focus on gender differences when it comes to prevalence and nursing interventionsMethod: A register study with av quantitative approach is conducted to answer the aim.