In this essay, we examine the new form of loan which is called ?SMS-loans? which is in understanding terms ? ?text message loans?. This was established in Sweden in 2006. Income-loans are fast loans taken during a short period, usually up to 30 days. Costs which are additional to the loan are interest and fees.

It is well known that small businesses and entrepreneurs in the initial phase has difficult to gain access to external capital and bank loans. With the background of the problems that entrepreneurs face when they ask for capital has since the financial crisis the phenomenon of crowdfunding developed and evolved. Crowdfunding is an alternative source of funding for entrepreneurs to fund their ideas through small or medium-sized capital contribution from a larger amount of investors, often investors who have any kind of relationship with the entrepreneur or to the very idea. This study examined the factors that motivate and guide an investor's decisions when they select their projects. The results of the study show that the motives of the various existing forms of crowdfunding is big.

For many companies, the Internet has revolutionized the relationship they have with their customers concerning costumer service. The use of Information Technology in regard to Internet as a media has provided companies with the opportunity to build customer databases in order to target their customers individually. The airline industry was one of the first pioneers to use the full potential of Internet to improve customer relations and its profits which we aim to investigate in greater detail in our thesis.Our thesis answers the question on how Scandinavian Airlines' (SAS) Eurobonus department uses their website to create valuable and profitable relationships with SAS loyalty club members through direct marketing. In order to answer our research question, three key informants have been interviewed - each representing different sub departments at Eurobonus; service and support, IT and marketing. Our results were that the Eurobonus department use direct marketing methods by sending customized e-mail offerings to target specific customer, using their customer databases.

The thesis describes the following main question: Will the administrative labour during football tournaments be made easier with the help from a mobile web service or will it convey to unnecessary extra work? To be able to give a good and qualified answer to this question, the thesis will in the beginning describe how the technique for such a system might look like and also describe the existing administrative moments during a football tournament, this is too give the reader a deeper understanding for further reading. The thesis then goes on to describe a concrete system which is tested on three football tournaments. On the basis of the tests, interviews and through analysis of these the thesis will be able to answer our questions. The result which we present in the thesis have unfolded through testing of the system on three chosen football tournaments.

This thesis contains a usability evaluation of ?Barnplay?, a Swedish video-on-demand service targeted at children. The objective of the study was to identify usability issues in the video service and to develop measures on improving the user interface, with special focus on adaptation to the broad target group of 3-11 year olds.The study was conducted by first mapping established practices in designs of VOD-services targeted at children, followed by interviews and usability tests with children between 2-11 concerning their use of ?Barnplay?. Based on the initial data collection, a prototype was developed and then evaluated by usability testing and A/B-testing.The main conclusion of the study is the need of better individual adjustment of the video content selection to better appeal to different age segments within the target group.

Religiositet och andlighet tycks ha samband med fysisk och psykisk hälsa. I uppsatsen undersöks sambandet mellan andlighet och utbrändhet, två grupper behandlare jämförs och mätegenskaper hos skalorna Spirituality, Religiousness and Personal Beliefs Field-Test Instrument (WHOQOL-SRPB), Spiritual Involvement and Beliefs Scale (SIBS), Maslach Burnout Inventory ? Human Service Survey (MBI-HSS) och Utbrändhet i arbetet (UA) undersöks. Studiedeltagarna var 38 programledare för kriminalvårdens tolvstegsprogram och 39 behandlare i ett psykoterapinätverk inom beroendevården (svarsfrekvens 61,5%). Andlighet korrelerade med personlig prestation (personal accomplishment; r = 0,315, p < 0,05).

This bachelor thesis explores the library collaboration "HelGe-libraries" goals, guidelines and strategies for their resource sharing of library books and digital resources. The questions asked were: What does the resource sharing look like when it comes to media and services? What goals and guidelines do they have for the resource sharing? What common strategies do they have for the resource sharing? What challenges have they encountered with resource sharing and how have they dealt with them?The theoretical framework consists of Jennifer Rowleys theory of innovation strategies for libraries and Rosabeth Moss Kanters theory on the art of alliances. The method used to collect material was interviews and document analysis. Four informants were interviewed.My study concludes that the "HelGe-libraries" has formulated goals for their resource sharing and that the resource sharing is connected to their goals.

Business is changing and so are society?s expectations. Companies are expected to take responsibility for their trade and the context they are operating in, by looking at socially, economically and environmentally aspects. Many companies handle it by implementing corporate social responsibility (CSR) to their line of action. This is often handled by collaborating with other organisations, such as non-governmental organisations.

The study aims to gain insight into how social workers perceive their psychosocial work environment and examine whether this effects the performance of their duties. The study mainly addresses the shortcomings of the psychosocial work environment of Social Services and the implications it entails for social workers health and wellbeing. The psychosocial work environment includes physical and psychological factors therefore the study's interpretive framework consists of organizational theoretical and social psychological concepts and previous research on the subject. We examined the organizational and social psychological connections to social workers perception of their work environment with a qualitative approach. The empirical data was collected through interviews with four social workers in a municipality in central Sweden using a semi-structured interview guide.

Through the different stages of life people have different requirements for their homes. The requirements changes depending on people?s life situation, lifestyleand age. Depending on where people are in life they live in different place, often in areas with other people who are in the same stage of life. In Sweden, this separation has always been noticeable, sometimes more than other.

The aim of this study is to describe and analyse the cooperation between the public employment service and the refugee reception in a medium-sized municipality in southern Sweden on basis of the establishment reform. The study examines how the collaborative process is regarded when it comes to implementation of the reform, and when it comes to the directives and resource allocation between the employment services and the refugee reception. The study also focuses on the deficiencies and the benefits that can be discerned with the establishment reform at local level.A qualitative data collection method has been used. It is semi-structured interviews with workers from the public employment service and the refugee reception. Information materials and evaluations that various authorities have made have also been investigated.The study concludes that it is important that the directives are clarified and that a new local and regional agreement will be established on paper.

About 10 % of the adult women population in Sweden are treated annually for urinary tract infections. The increasing bacterial resistance towards antibiotics is classified by WHO (World Health Organization) and ECDC (European Centre for Disease Prevention and Control) as one of the greatest treats for human health in a global perspective. To find alternatives scientists are studying the possibility to use probiotics to reduce the frequency of recurring urinary tract infections. This literature study examines five randomized double blinded placebo controlled studies where different strains of Lactobacillus have been used as a prophylactic to women suffering from recurrent urinary tract infections and bacterial vaginosis. Overall the studies do not display enough promising results to recommend the use of probiotics as a prophylax or cure..

The main purpose of this Master thesis is to illuminate the understanding of local politicians regarding the public libraries and the librarians. We argue that the local politicians´ opinions regarding public libraries and librarians influence the way they act and react in their roles as politicians.In order to achieve the aim of this thesis we focused on following questions:What are the opinions of the politicians:- regarding themselves in relation to the public library?- concerning public libraries in general and its functions especially in the municipalities of their own?- concerning the librarians and their work in a public function?What are the conclusions to be drawn regarding the politicians´ interest and commitment to public libraries in the politic daily-life of the municipalities? Our empiric material consists of qualitative interviews with six politicians elected in two municipalities in the interior of Västerbotten, a northern sparsely populated district. In order to distinguish the various opinions that emerge from the material, we apply a phenomenographic approach. The analysis result we present in three conceivable categories in order to express the different opinions.In general our study points at a positive and favourable attitude to the public library, and all the respondents assume that the municipality ought to offer this service.

Cities have always been founded on nodes of different roads.The city Harnosand was founded where the road along the coast of north Sweden meets the sea and the calm bay of Nattviken behind the island of Harnon. Harnosand has a big historic heritage as one of the first cities in the north part of Sweden, centre of the church and education city. The incrising centralisation of Sweden and the globalication of the world have made north of Sweden to the backside of Sweden.The coun- tryside and the smaller cities don ?t live anymore. In Harnosand is big moving out and many empty spaces. In the middle of Harnosand next to Nattviken, is one of these empty spaces. This empty space next to the road of E4, that leads out in the world and Europa.

Den allt hårdare konkurrensen på marknaden gör att det blir alltviktigare för mindre tjänsteföretag att utvärdera sitt val avproduktkalkyl.Syftet med denna uppsats är att undersöka El- Företaget AB:sproduktkalkylering samt ge förslag till eventuella förbättringar genomatt jämföra med befintliga och lämpliga produktkalkyler.Resultatet i denna undersökning visar att påläggskalkylen är den mestlämpade kalkylmetoden för El- Företaget AB. Företaget använder sig avdenna modell idag men i slutsatsen har vi konstaterat att det krävsförbättringar. Dessa förändringar bör genomföras för att företaget iframtiden ska kunna jämföra och kontrollera sina kostnader på ettbättre sätt.Because of the competition on the current service market it is moreimportant to minor service companies to evaluate there choice ofproduct calculation.The purpose is to examine El- Företaget Ab:s product calculation andsuggest possible improvements by comparing with existing andappropriate product calculating- methods.The result in this survey shows that absorption costing method is themost suitable one to use by El- Företaget AB. The company uses thismodel today but through the conclusion we have worked outimprovements. These changes will be made to compare and controltheir cost in a better way in the future..