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.

The purpose of this essay is to analyse the descriptions of young girls' experiences of internet contacts, which have led up to sexual abuse. The aim is to give additional understanding and knowledge concerning grooming.       Grooming means that somebody gets in contact with someone else with the intention of committing sexual violations at a later stage. In most cases this concerns adults who contact children. We have chosen to confine ourselves to focusing on the grooming on internet that has happened to girls. By means of thematic analyses of texts from the books Jag kände mig speciell, grooming på internet, 2012 and Alexandramannen, vår tids största nätsexhärva, 2009, we have found certain themes and linked them up with previous research-work and also theory of social psychology.

 Heterosexual individuals who live in a culture of honor are exposed to honor oppression in today?s Swedish society is well known. However, it is not equally recognized that LGBT-people from a culture of honor are exposed to honor oppression. The study aims to investigate how eight individuals belonging to the LGBT-group and the culture of honor feel about their ability to develop their true identity and live out their sexual orientation. The study is qualitative and the collected empirical material constitutes of chat interviews with young LGBT-people.

The purpose of this study was to look at the common opinion about children in Cambodia. By interviewing the professionals in different help organizations we studied the common opinion about children in general and the common opinion about children who are exposed to sexual trafficking. The ambition of the study was also to see if the common opinion about children in Cambodia affects the help that is available for the children who are exposed to sexual trafficking.This is a qualitative study including semi structured interviews with seven professionals who work with vulnerable children. The interview guide focused on the themes: children?s needs, sexual trafficking, children?s rights, childhood, children?s sexuality and gender.

The aim of the present thesis is to find deeper knowledge about women?s experiences of sexuality, desire and pleasure during childbirth. In this thesis there are statements of women?s different kinds of pleasurable and sexual feelings and experiences during birth. Furthermore, factors that may influence some women?s feelings and experiences of a sexual kind are discussed in relation to the common notion that women above all feel fear and pain when giving birth.

The aim with this thesis is to investigate the risk management at the department Road construction, The National Road Administration Region Mälardalen. The aim is also to study how the risk management could be improved to better support the project leaders. Included in theses aims is to examine potential problems with the current risk management and to suggest changes. It is of utter importance to define the concept of risk, to study how risk can be measured and in which ways risk can be analyzed. In doing so, a literary study has be done and fourteen respondents has been interviewed.Risk is to be seen more as a concept than a quantity.

The purpose of this study was to highlight LGBT asylum-seekers experiences of expressing their sexual identity or gender identity in the country of origin and in the asylum process in Sweden. By interviewing people who got permanent residence in Sweden because of gender or sexual orientation in Utlänningslagen (2005:716) we have been able to explore their own experiences from expressing themselves. This study analyse these experiences from a social psychological perspective, from this analysis we aimed to obtain a deeper understanding of how the experiences from the country of origin affects on the experiences in the asylum process. This study shows that LGBT asylum-seekers often is facing negative reactions from the environment in the country of origin, these reactions can limit their possibilities to express their sexual identity or gender identity in the asylum process in Sweden. The negative reactions they experience in the country of origin have contributed to that many LGBT people internalize feelings of fear to express themselves, feelings that often stays when they come to Sweden to seek asylum.

The purpose of this study is to examine what professionals tell about stress, rewards, impact and treatment in the professional treatment with young sexual offenders. Eleven qualitative interviews of half-structured design brought up results about the professional role in the treatment process. During the interviews the professionals described which methods of treatment they work with. We examined the methods through literature research, which was added to the study whit the purpose of strengthening the interview data. The professionals consider their work important and meaningful and they feel safe in their working role.

In 2012, about 1.3 million boars were surgically castrated, most of them without anaesthesia. Castration is performed to avoid the occurrence of boar taint and aggressive and sexual behaviour. There is a growing concern about the welfare of the piglets and the Swedish Board of Agriculture is working to find efficient and functional alternatives to castration without anaesthesia. The aim of this study was to obtain an overall picture of the latest research about the alternatives to castration without anaesthesia, with focus on vaccination against boar taint, and how they affect the welfare of the pigs. The alternative methods that are available today are surgical castration with anaesthesia and/or analgesia, rearing entire males and vaccination against boar taint.

Yahtzee is a game based on luck. Yet there are algorithms designed to give an optimal result and succeeds in doing so. This report compares the end result of an optimal algorithm to an algorithm that has been modified for the multiplayer scenario. The modified algorithm tries to win over the optimal algorithm through taking greater risks in its decisions when falling behind in points. The results show that it is not favorable to do so.

AbstractThe ideas of adulthood, adolescence and childhood in Swedish law have a tendency to not be expressed or discussed. This thesis has focused on the preparatory work of the sexual offence-law to see whether it defines adulthood. This has been achieved by analyzing the documents related to this preparatory work. The thesis focused on two central questions: 1) Was the idea of adulthood an integral part of the discussions in the preparatory work 2) If so, then how was it defined and are there any contradictions in the definition. In addition, this work also evaluated the impact of this law and investigated whether the absolute protection intended by the government and the committee of sexual crime seek actually exists.The study shows that the concept of adulthood was not defined specifically in the preparatory work.

The purpose of the essay is to examine Gay, Lesbian and Bisexual person?s experiences of the Social Services treatment. Our question is: How do Gay, Lesbian and Bisexual person?s experience the treatment in a relief seeking situation at Social Services? We have a social constructive point of view. Our theoretical foundation is heteronormativity, heterosexism, homophobia, coming out/disclosure, intersectionality, master suppression techniques and we discuss Social Services as a system.

Magnusson, A. ??it?s a matter of great importance actually?. Coping strategies to sexual consequences due to cancer treatment. Expectations on sexuality and rehabilitation.

Background: Documents and legislation inform us that parts of the public health service of Sweden, at a political level, aim to support people?s sexual health. Statistics show there has been an increase among young woman, seeking help for sexual pain during intercourse. The diagnosis that the media has come to observe lately is vulvar vestibulitis. In general there is a lack of knowledge about the existence of this state of pain and its causes, which impacts woman to get appropriate help and support in time.

In this paper the authors are trying to understand what separates men from women when they save and invest their money. But also what factors that influence them in their decisions. To investigate how men and women actually act when investing their money the authors construct a survey. The authors also turn to the Swedish banks for information on how they think there customers are behaving. The authors find that men are more risk- taking than women and therefore invest more in products with higher risk, for example shares.