Managing credit risk might be the single most important business area for any commercial bank. The assessment of "good" and "bad" corporate clients is a important task for a creditor. A bad debtor is a corporate client with hardships in meeting the continous claims (interest payments) that a creditor requires. One way of evaluating or separating a "bad" client from a "good" client is to assess the propensity for the client to file for bankruptcy. This thesis examines 226 firms in the Swedsh market in the quest of predicting corporate bankruptcy.

The purpose of this essay is to examine whether and how labor consultants, job coaches, guidance counselors promote the possibility of self-realization of the clients they encounter in their work. By analyzing, based on the theoretical framework, six semi-structured interviews of people having the chosen professions answer the questions "Do counselors promote client's opportunities for self-realization in their work?" and "If so: how is this practiced?". In the theoretical framework three important concepts are addressed: "identity", "recognition" and "self-realization". These are explained with the help of works by including Emma Engdahl, Anthony Giddens, Axel Honneth and Allison Weir.

In recent years the liberal representative democracy has been subject of a substantial critique because of its inability to accommodate difference and createa genuinely democratic political process. One such critique comes from the theory of deliberative democracy. Supporters of deliberative democracy try to promote a model of democracy that take its vantage point in free and equal deliberationbetween all relevant actors in a political community. This model has with some success opposed the aggregative model of democracy, and in important ways turned the attention to the potential of deliberative processes.However, the deliberative model is still somewhat underdeveloped when it comes to issues of diversity and difference. This essay deals with such deficiencies by analysing deliberative democracy in the light of the critiquelaunched by difference- and radical democrats.

This study has examined how social media has changed food companies way of holding contests. The study examines how food companies use contests with the help of social media and how they used to do the contests before the use of social media. We have also researched the users behaviours and opinions of companies contests on and outside of social media.In this study we have interviewed four people responsible for contests on the social media department on their respective food company. We also performed a survey that was published on Facebook and followed it up with interviews from two of the participants.This study has showed that contests on social media, as a technical aspect, have given new possibilities for the design of the contests. But there are still some unexplored areas around contests on Facebook and the companies do not know exactly what the users are demanding.

The main objective of the essay is to define the meaning of the termgovernance network on the basis of democratic values ? both normative andimperial - with the aim to analyse the prospects to develop an effective anddemocratic governance. Democratic values as well as civil participation,enlightenment, responsibility and approachability are discussed, but also moreeffectivness orientated values.It is clear from the presentation how normative and democracy models putdifferent values in focus, with the consequence that other values are played downor pushed aside. Compared to imperial research in partnership ? by definition atype of network arrangement - and with a starting point in democracy andefficiency, the networks are discussed as political formation.In what sense can the actual existing network arrangements meet and fulfil thedefined political values? As no straight forward answer exists, there is an ongoingconflict between the political demand for slowness and the effectiveness demandfor flexibility and mobility..

An industry in distress was the breeding ground for a noted pricing strategy, labeled name-your-price. The industry was the music industry and the pricing strategy bears reminiscence of how medieval buskers earned their living during the dark ages; by letting the customers decide how much the good was worth, embodied by a thrown coin into a hat or similar collector. Translated into the contemporary corporate environment of today, where technical innovations provides access to the intellectual property for free, a few mighty economic actors have once again turned to the strategy were it all started; letting the customer set the price. The hat has been replaced by a box for your credit card number and the live music by a MP3 file, but the similarity is striking. The business model have been applied in other industries as well with various levels of success, thus the purpose of this thesis is to set up a framework for where the name-your-price strategy is applicable.

A new material model, for the FE-program ADINA, has been verified against twoexperiments. One unreinforced concrete beam and one reinforced concrete beam.The model, DF-concrete, has the possibility to estimate true concrete. However theresults indicate that in order to be sure that the estimations are true, there ought tobe data from the true concrete to verify against.Two FE-models have simulated the behavior of a ring-shaped part of the nuclearcontainment vessel. The results from the first, frictionless, model agree with similarsimulations and hand calculations for high pressures in the containment vessel. Thesimulations of the nuclear containment vessel show cracking in the concrete after10-11 bars of over pressurization.

The aim of this university paper was to understand how eight former clients at Staple reformatory had experienced their stay there. The clients at Staple are young people between 13-20 years old, both boys and girls.The basic questions were: What picture do the clients have of the treatment they received?What has been, from their perspective, the most important during their stay? Do the clients think the time spent at Staple has helped them? And how do they describe their change, if there was any?We gathered the information from the youngsters with qualitative interviews based on a manual divided into covering different themesWe found that the time at Staple had been very positive for all the former clients that we interviewed. They described the relations with the staff at Staple as central for their rehabilitation. The most important task for the people that work there is to set a good example for the client, and to be role models.

May 2010 a project called drop-in sports was started to get boys and girlsin the ages of 13-20 more physically active and keep them away from  committing crime. With the slogan ?come as you are, whenever you want and do what you want for free ? spontaneous sports was organized. To evaluate the project a research of the activity was carried out, where two of the objectives were to investigate how responsibility and empowerment is taken. Twelve hours of observations studies were used to collect data about leadership decision-making and democratic values in forms of respect, everybody?s right to play and influence.

This essay tries to show how The Swedish Museum of Architecture, Stockholm, with the exibition Architecture in Sweden - Function, Design and Aesthetic through the Ages, presents and represents architecture. It is stated that this is done in a multi-perspectival, multimedial fashion, with the aid of, for example, photography, models and mixed material surrounding the wide concept of ?architecture?. One chapter discusses the relationships between the exhibition on site, the exhibition catalog and the museum´s website. Another chapter argues that there can be no essential or perfect representation of architecture, although this utopian wish most certainly exists even today.

Maize for silage has been used as fodder in different parts of the world for a long time and has recently become more common also in Sweden. Our cold climate has been a problem as maize is very sensitive to low temperatures and frost. With new varieties and better techniques for cultivation it is now possible to grow maize in the southern and middle parts of Sweden. As for the north of Sweden the length of the cultivation season is a limiting factor as there are too few days with temperatures of over +10 ºC. Maize is well suited for silage making but oxygen-free conditions are required.

Internet and digital technology has changed the way we live our lives. As individuals we've found new ways to communicate, educate and experience. But what's the effect on B2B marketing? Previous research presents transactional benefits such as lower costs and easier access to information, but there is limited research done on more complex and long term relationships as well as on modern digital tools. The purpose of this thesis is to investigate whether a deeper long term B2B relationship can be created and nurtured using digital tools for communication, and if so, how these tools and processes can be described and understood.

Uppsatsen syfte är att ta reda på ifall den Europeiska Unionens (EU) handelspolicy för den interna respektive den externa marknaden följer den liberala retoriken som förs av unionen. Det är en komparativ fallstudie som använder sig av idealtyper för att ge en nyanserad bild av unionens handelspolicy. Det teoretiska ramverket som används för att framställa dessa idealtyper är merkantilism samt liberalism. Idealtyperna appliceras sedan på de två fallen. Fokus för studien ligger på tiden mellan Lissabonfördraget och 2012 innan den senaste utvidgningen till 28 medlemsstater ägde rum.

AbstractDuring the year 2005, a more and newer models of trade as shopping malls has been established in Värmland. Trough media (Wermlands the newspaper, Tvärsnytt) we have been able to follow the development of trade establishments as happened in the county, for example the establishment of Olav Thons Shopping center in Töcksfors. The aim and issues as then arisen in this study is part's why economic activities as shopping center increases precisely in Värmland, part's factors that governs the premise ice ring of a shopping center, were Töcksfors shopping center is functioned as an example, part's if shopping centers is a part of Värmland's new tourist activity? Through depth interviews with the region manager Urban Svanberg on Swedish business communities, the centre manager Helene Rödseth on Töcksfors shopping centre and the county tourist manager Monica Karlsson on Värmland's tourist council, some cultural geographic premise ice teories has been showed. For example this study has shown that trade in Värmland has been given birth to new trades in the county..

The aim of this Master's thesis is to analyze the relation between the discursive formation and the optical formation in the public library-apparatus. An ongoing individualization process in the library field and in society at large is used as a backdrop in the analysis. Discourse analysis is used as a method to explore the main Swedish library periodicals Biblioteksbladet, Bibliotek i Samhälle and DIK-forum. All issues from the years 1999 and 2009 have been used as material. The main analytical instruments applied in the analysis of this material are Michel Foucault's terms dispositive, apparatus and diagram.