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.

Voltage sag indices are a way of quantifying the performance of the power supply, as far as voltage sags are concerned. Indices can be defined for individual events, for individual sites, and for a whole system. A standard method for single-event methods is part of IEC standard 61000-4-30.This thesis emphasizes the importance of voltage sag indices and different methods for calculating three-phase voltage sag characteristics. Three-phase events measured in a medium network voltage over period of one month were analyzed, results examined and statistically evaluated. An algorithm for calculating voltage sag characteristics and indices was created in Matlab.

IT has become more evident in most organisations and has grown to be a part of the infrastructure rather than a tool for competitiveness. Therefore focus should now lie on how IT is adjusted to the business rather than on the usage of IT. To make the best use of IT in the business the CIO needs to start think more business-oriented instead of as before, technology-oriented. To develop the IT-department in that direction the IT-staff need to start cooperate with the business and gain knowledge about stakeholders, markets and the way of working for other staff members in the business.With this as a basis, the purpose of this thesis is to investigate attitudes regarding cooperation between the IT-department and the business and if there is any difference if the CIO has business related background or not.To fulfil the purpose a quantitative investigation with the help of surveys was conducted. The sample consisted of 18 companies with 100-200 employees in the area of Jönköping.

Voltage sag indices are a way of quantifying the performance of the power supply, as far as voltage sags are concerned. Indices can be defined for individual events, for individual sites, and for a whole system. A standard method for single-event methods is part of IEC standard 61000-4-30.This thesis emphasizes the importance of voltage sag indices and different methods for calculating three-phase voltage sag characteristics. Three-phase events measured in a medium network voltage over period of one month were analyzed, results examined and statistically evaluated. An algorithm for calculating voltage sag characteristics and indices was created in Matlab.

This C-essay focuses its research on the taste of guitarplaying and non-guitarplaying soundengineers, in using single or dual microphone setups when recording electric guitar. It will be shown if there is a significant difference in taste when using one or two microphones between the two testsubject groups. Two classical microphone setups have been used for the test of this essay, which includes a blind listening test. The information in this test will benefit both guitarplaying and non-guitarplaying engineers by getting greater knowledge regarding what kind of microphone setups to use for different occations. The findings in this essay show in general, that guitarplaying and non-guitarplaying engineers between the ages of 19 - 26 don?t have a specific taste between single or dual microphone setups when subjected to the blind listening test..

SammanfattningLångvarig smärta orsakar stort lidande för individen och belastar samhället ekonomiskt. Syftet med denna uppsats var att undersöka om en exponering in vivo-behandling inspirerad av Dialektisk beteendeterapi (DBT) för människor med långvarig ländryggssmärta var görbar samt om behandlingen gav effekt på smärtrelaterad problematik. Designen var en single case experimental design vilket är en beprövad design för att testa nya terapimetoder. Studien bestod av sex deltagare, alla med hög grad av smärtrelaterade katastroftankar, något som litteraturen visat predicera sämre behandlingsutfall. Behandlingen var DBT-inspirerad och indelad i tre faser; en första valideringsfas, en andra färdighetsfas och en tredje exponeringsfas.

Hur kan B2B-byråer anpassa sina tjänster efter konjunkturläget, utan att kompromissa med kvalitet och genomslag?Vi har genom intervjuer med elva Business-2-Business företag i Skåne, och tre B2B-byråer samlat information till undersök-ningen. Detta i ett försök att kartlägga företagens och byråer-nas arbetssätt. Denna information har sedan legat till grund för den analys som gjorts av den generella bild vi skapat oss av företagens och byråernas arbetssätt, för att utifrån den kunna föreslå ett mer tillfredsställande arbetssätt för alla parter..

Sweden has a growing proportion of children living in a multilingual environment. It is thus highly important that caretakers as well as professionals who meet these children have knowledge of multilingualism and its impact on language development. Also, an increase of referrals of multilingual children with suspected language impairment to speech and language pathology clinics is seen.The objective of this study was to investigate the linguistic ability in both Swedish and Arabic in a four year old child with suspected language impairment. A further aim was to implement an intensive intervention and evaluate the efficacy of it. Language testing in both languages showed that the boy?s greatest need was in the lexical domain.

Background: Increasing globalization makes companies more influenced than before by actors and factors in their environment. For some this has lead to a more dynamic and complicated business context. Therefore it is of strategic importance to understand what is currently going on as well as to have a general idea of what the future brings. Purpose: To contribute to a deeper understanding of how a corporate management can perceive its business environment and how it affects he gathering of business information from a strategic perspective. Realisation: In-depth interviews were conducted with all four members of the management in the studied company, Volvo Competence Center in Skovde, Sweden.

The aim of our study is to explore the empowerment process among micro-business owners in Kayamandi, a black township of Stellenbosch in South Africa. What are the positive and negative implications for the empowerment process? Another aim is to find out the role of local and international support in this process. The theoretical framework of this study revolves around the concepts of gender, power and empowerment. Our methods are qualitative interviews and observations.

Business plan competitions have long been used as a mean for entrepreneurial organizations and Universities to educate students in entrepreneurship. But what's in it for the entrepreneur This thesis aim is to understand what utility business plan competitions have for the participating entrepreneurs. It consists of interviews with Swedish entrepreneurs at various stages in the entrepreneurial process, who has participated in business plan competitions to get ahead. The conclusions of the study are that business plan competitions are good for the entrepreneur from a motivational and developmental perspective but not from a financial perspective..

Voltage sag indices are a way of quantifying the performance of the power supply, as far as voltage sags are concerned. Indices can be defined for individual events, for individual sites, and for a whole system. A standard method for single-event methods is part of IEC standard 61000-4-30.This thesis emphasizes the importance of voltage sag indices and different methods for calculating three-phase voltage sag characteristics. Three-phase events measured in a medium network voltage over period of one month were analyzed, results examined and statistically evaluated. An algorithm for calculating voltage sag characteristics and indices was created in Matlab.

Bakgrund: Vår utgångspunkt i uppsatsen är att produktskillnaderna blir allt mindre och det emotionella värdets betydelse blir allt större. I och med detta får varumärket en allt större betydelse även inom business-to-business. Syfte: Vi avser att undersöka ICA Menyföretagens identitet samt vad dess varumärke står för. Dessutom vill se hur användbara de modeller vi använt är i business-to-business-relationer samt utforma en egen modell som förklarar hur märkeslojalitet uppnås i en sådan relation. Avgränsningar: Vi kommer endast att beröra så kallad business-to-business samt varumärkets emotionella värde.

Aktuell forskning har visat att psykologiska faktorer spelar en viktig roll för upplevelsen av långvarig smärta. Denna studie undersökte effekterna av en KBT-behandling bestående av introceptiv exponering och avslappning för patienter med långvarig smärta. Studien använde en single-subject design där sex smärtpatienter genomgick en sex veckor lång individuell behandling. De variabler studien undersökte var i första hand förändringar gällande grad av acceptans samt upplevd smärtintensitet, i andra hand förändringar gällande smärtrelaterad ångest, rörelserädsla, katastroftankar samt funktion. Deltagande i behandlingen var förknippat med ökad acceptans, förbättrad funktion, minskad smärtintensitet, minskad smärtrelaterad ångest, mindre katastroftankar samt minskad rörelserädsla.

When single-family lots are valued for development of new residential areas,the valuation is influenced by several factors. The valuation is a matter ofdefinition that varies according to its interpreter. Previous research conductedin other countries, has identified a number of value-influencing factors. Thesefactors are the basis for this study.The study's purpose is to highlight the value-influencing factors thatcustomers value and are looking for in the choice of single-family lots. Thestudy also seeks to determine if there is an unknown difference between howprofessionals and clients value single-family lots.The study showed that the value factors considered important for customersand also professionals are consistent and applicable with the factors reportedfrom previous research.