ABSTRACTTitle: Basel II ? The New Basel Capital Accord and its influence on small Swedish banks and their retail banking and risk management.Seminar: May 24th, 2007Course: FEK318 Bachelor thesis in Business Administration, 10 Swedish creditsAuthors: Mattias Kjellberg, David Uhlmann & Ivana ZubacAdvisor: Joakim WinborgKeywords: Capital cover, capital requirements, Basel II, credit giving, credit risk, risk management, retail banking, small banks, pillar 2Problem: What influence does Basel II and the new updated management of credit risks in pillar 1 and the active risk control in pillar 2 have on small Swedish banks retail banking?Purpose: Our essay seeks to explore what influence pillar 1 and the new updated management of credit risks in the new capital accord Basel II have on small Swedish banks and what influence pillar 2 have. We also want to explain if Basel II has influences on small Swedish banks credit analysis and possible effects in their risk management and pricing.Methodology: In our essay we use an inductive approach and our chosen research method is the qualitative one. We have chosen to look into four small Swedish banks, and the empirical data is obtained from telephone interviews with selected respondents from Länsförsäkringar Bank, SkandiaBanken, GE Money Bank and ICA Banken.Conclusions:? The work with credit scoring does not get influenced by Basel II if the Standardised Approach is chosen.? Banks that?ve early implemented high technological systems in the organization, that small banks normally do, have gotten an easier transition to Basel II.? Basel II will result in a risk adjusted pricing and a more fair credit market.? Internal Ratings-based Approaches is very demanding to develop, but at the same time it?s a more risk sensitive approach.? Pillar 2 results in a more sophisticated work for the small banks.? Basel II results in a further price press on residential loans in Sweden..

The present study deals with the importance of play for children's learning in preschool. The purpose is to investigate the importance of play for children's learning in preschool from a pedagogue?s perspective. The study is based on two issues: How does the pedagogue´s who were interviewed reason about the impact the play has on children's development? How does the pedagogue´s approach to make play a learning situation? The empirical data is based on semi-structured interviews with four preschool pedagogue´s.

The purpose of this essay is to find out how two schools work with newly arrived children and to see how they differ. There is a lack of national directives for those who work with newly arrived children and teenagers; this makes the introduction very different between schools.The study is qualitative, based on interviews with four teachers in two different compulsory schools. One school is situated in a suburb of Stockholm and the other one is situated in a minor community in Dalarna. One schools got a preparatory class for newly immigrated pupils and the other school doesn?t.The theoretical frame that I have chosen to analyse these interviews are literature and research on Bilingualism, Children with PTSD, Intercultural Pedagogy and Special PedagogyMy results also show that these schools work very differently, and that there is very little co-operation within the school and with the units around the school, regarding these children.

In an international perspective the Russian children s library is a unique institution, being solely committed to children up to 14 years of age. In Russia of today it is, however, being exposed to hard pressure as the economical and social conditions have changed dramatically since the collapse of the USSR. My interest lies in examining this change of living conditions for the children s libraries and how this in turn affect their work and role in the present state. In order to view this change in a longer perspective, I compare the situation for children s libraries during the time of communist regime with that of today using documents about and from children s libraries. I have studied its legal position and conditions, financial and political state, and how the modern society affects children and youth, especially their daily cultural life.

In my essay the dilemmas originate from what I have experienced. I have observed myself and some of my colleagues, how we meet children who are lacking the qualifications which school and most pedagogues expect them to have. Focus, in my written experiences, is on children who live in poverty, but how we meet and act toward them is often quite the same independent of what qualifications they are lacking. With the support from literature and theories I reflect and analyse the dilemmas. Through essaywriting I investigate my practical knowledge and I examine how we as pedagogues handle the complex situations encounter when in school and how it is possible to understand why we act the way we do.I think that the knowledge which essaywriting gives me will strengthen me as a person and in my work as a teacher for after-school-center.

This study is a qualitative study of two primary schoolteachers and two special teachers approach to children with special needs, and which procedures according to these teachers can be applied to support these children in their progress at school. Building on key concepts such as segregated integration, including integration, diagnostic and children with special needs. This was then analyzed with information collected from the four formal interviews.The study also sheds light on key concepts such as special support, diagnosis, segregated integration and including integration. The conclusion explains the concept of including integration as an approach that works well for both students with special needs in a short period of time yet also students with diagnoses. This is presented in the end of this study with different suggestions for a continued research on children with special needs..

The major focus in this study is structural inequalities in primary school in Sweden. UNESCO points out that in many developing countries, up to 40% of the children perform at or below the lowest proficiency level in language and mathematics. Sweden has been criticized by the UN about the large differences in educational achievements between different regions. Based on an official study Sweden considers that those differences are related to ethnically segregate residential areas. My research question is whether the Swedish government takes adequate consideration of the impact that socioeconomically aspects have on educational achievement.

The purpose of this Bachelor thesis is to examine how children describe their experiences of their own reading, with focus on different aspects of reading: Choice of reading, reading environment, response to reading and book talk. Our aim is also to examine which approaches to reading their stories illustrate. The research is founded on semi-structured interviews with six children aged 10, in connection with book talks. For analysis we used Åse Hedemark?s study Barn berättar : En studie av 10-årningars syn på läsning och bibliotek as well as Aidan Chambers? theories concerning reading and reading environment.

AbstractThe purpose with this essay is to get knowledge about the consequences that speech-defects bring for children in pre-school ages. I got interested in this matter when I, during my teaching practice, got in touch with children carrying this specific disorder. I chose to apply qualitative interview as a method to investigate this and as a starting-point I used these aspects: How does speech-defects affect learning, understanding, friendship relations, and development in general?I interviewed three pre-school teachers in two different schools. One school in a smaller district and the other one in a middle-sized town, in the middle of Sweden.

During my practice as a teacher trainee at an upper secondary school it became clear to me that many pupils have difficulties with algebra. Also in a report from the National Agency for Education (1999) you can see that the students algebra knowledge get worse and worse. I was surprised to find that many pupils seemed to get stuck on the level of attainment for the senior level of the nine-year compulsory school. As I have not studied anything about difficulties in algebra during my training to become a qualified teacher I would like to get to know more about this. I also examine why you have to study algebra in upper secondary school.

This essay will focus on the significance of gender in toys´ portrayed in children books for the age 3-5years. The aim for the essay, partly, is to highlight how gender stereotypes can come forth and affect children through the way toys are illustrated within children?s books. The essay will address books from two different time periods, the first period being the 40-50- 60's and the other being the 00´s. The questions to be addressed in this essay is; what type of toys? children play with in the books used in the analysis, and if a change can be detected between the different time periods in terms of gender awareness in what type of toys are presented in the books.The main method used in this essay is an iconological image analysis in which the first step is mapping, other methods used is analysis and interpretation.

A carnival can not be stopped! A design pedagogical study of children and norms In Basel, the only Protestant carnival in Europe takes place. The carnival is called Fasnacht. For three days, there is a wild and uninhibited play with tradition, crossing borders and social criticism.The aim of this thesis is to expand the understanding of the concept of the carnival, and how to use it for an educational purpose. Three children from Basel have been involved in an workshop where they designed and talked about norms and power structures through the carnivalesque principle. The study is based on the questions: How can you use the carnival as a starting point for designing and talking about norms and power structures together with children? And; How can the design process support such a project? To spot this, I made arrangements for a design educational project.

Ever since Sweden joined EU on the 1st of January 1995 the auditing is regulated not only by our Swedish laws but also by EG:s directives. In the fourth directive the member states are given a possibility to dispense small companies from the duty to audit the accounts. It is up to every member state to decide whether they want to dispense the small companies or not and today Sweden is one of few member states who does not.The purpose of this essay was to describe how lenders and Skatteverket will act in case of a dispensation for small companies from the duty to audit the accounts. The study has been carried out by interviewing four lenders and Skatteverket.The study shows that the lenders and Skatteverkets acting in case of a dispensation for small companies from the duty to audit the accounts will part from each others. While the lenders stand before a big change Skatteverkets work will be next to unaltered.Half the lenders think that they will continue to demand that the companies? accounts be audited.

Ever since Sweden joined EU on the 1st of January 1995 the auditing is regulated not only by our Swedish laws but also by EG:s directives. In the fourth directive the member states are given a possibility to dispense small companies from the duty to audit the accounts. It is up to every member state to decide whether they want to dispense the small companies or not and today Sweden is one of few member states who does not. The purpose of this essay was to describe how lenders and Skatteverket will act in case of a dispensation for small companies from the duty to audit the accounts. The study has been carried out by interviewing four lenders and Skatteverket. The study shows that the lenders and Skatteverkets acting in case of a dispensation for small companies from the duty to audit the accounts will part from each others. While the lenders stand before a big change Skatteverkets work will be next to unaltered. Half the lenders think that they will continue to demand that the companies? accounts be audited.

According to the Swedish preschool policy documents all children should have the same opportunities to develop their early language skills regardless of their social background. The purpose of this study is to investigate how preschool teachers work with children's early literacy and language development with focus on reading aloud. The reason is to investigate how the preschool teachers work to create an environment that stimulates children's literacy and language development. Another intention is to study how often reading aloud occurs in the children's home environment and what the preschool teachers thoughts are about that. The study is based on interviews with four preschool teachers and surveys that were answered by parents.