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..

Large-scale land investments is not a new phenomenon, but increasing prices on food and agrofuels have inflated prices on land and has led to an enhanced interest in landinvestments from a range of different actors. The ProSavana project in the Nacala corridor in the Nampula province, northern Mozambique is a large-scale land investment with the purpose of establishing intensive commercial agriculture and is planned to be implemented this year (2013). The project is financed by Brazil and Japan in collaboration with the government of Mozambique. It is not quite clear how large-scale land investments affect the areas they are implemented in and how they can affect the possibilities for sustainable development in these areas. Both opportunities and problems can be observed within the social, economic and ecological dimensions of sustainable development.

The aim of this study has been to discuss ideas of knowledge within classification theory and subject analysis in the light of theories of fundamental changes in the production of scientific knowledge. Guiding questions have been: How have the conditions of knowledge production changed? How has interdisciplinarity as part of this development evolved? What assumptions lie behind theories of classification and subject analysis? How do these stand in relation to the alleged changes in the production and understanding of science? Three works about the changing conditions for knowledge production and the growth of crossdisciplinarity have been presented and discussed. These works stress the loosening up of boundaries between traditional knowledge domains and open up for discussions about how to organize knowledge production in the light of these changes. In the study it is argued that their works also could open up for discussions about the way knowledge is organized for retrieval purposes.

Syftet med studien var att undersöka självförtroende och kroppsbild hos datorspelare, styrketränare och en kontrollgrupp. En webbenkät med manliga medlemmar på dator- och idrottsrelaterade internetforum genomfördes. Kontrollgruppen var medlemmar på dessa forum som varken styrketränade eller spelade datorspel. Skalorna Social physique anxiety scale, Rosenberg self-esteem scale och Drive for muscularity scale administrerades. Resultatet visar att grupperna inte var signifikant skilda åt gällande social fysisk ångest eller självförtroende.

The countries in the European Union have agreed to increase their percentage renewable energy sources to 20 %. To reach this goal an increase of biomass production needs to be made. One way of achieving this is by using nonnative species. Poplar in Sweden produces biomass faster than the domestic trees. In the southern parts of Sweden plantations has been made with good results. In the northern parts survival is a problem that needs to be solved before plantations can be made for commercial use.

Örebro UniversityDepartment of Social SciencesSociology and social psychology, Continuation course, 61-90 p.Essay 15 p, Spring -08.Title: ?Youth (work)seekers?Author: Karolina LindellAbstractThis essay focuses on young people?s social background when they apply for their first job. I have interviewed four young people from a small town in Sweden, to see how social background and identity affects their vital conditions in general. I?m interested understanding the relationship between structure and agency.

This diploma work addresses the question of how much energy is spent whenmanufacturing the components of a building as well as of how much energy is used inthe production of a building. The object of the studies is BioCentrum at the SwedishUniversity of Agricultural Sciences in Ultuna just outside the city of Uppsala. The aimof the work was to investigate how much energy was consumed when manufacturingand production in relation to the management, how many years the production wasrepresented. It was also a study in how mature the construction industry is to answerhow much energy was consumed in manufacturing.In order to get these answers a question form was developed and sent to thesuppliers to BioCentrum. In this form they were to respond to the quantity suppliedto BioCentrum and the amount of energy was spent when manufacturing thecomponents.

This report presents the results of a thesis in which the department PL Hus at Grontmij AB isstudied. The study has been done in order to locate problem areas in order to streamline andimprove the quality of working. The study was done by an engineering student from theDepartment of Industrial Management at KTH on behalf of Grontmij AB. The project extendedover a period of 20 weeks during spring 2011.In addition to the Department itself has two project managers in two different projects beenfollowed. The method used has been participant observation and was used to be able to comeclose to reality and thus find problem areas where there are opportunities for development.Validation was made through comments and opinions from workers at Grontmij AB, afterreading the reports analysis.Based on a system and holistic approach has parallels been drawn to the production systems suchas TPS (Toyota Production System) and lean production.

Background: Since the coining of the phrase lean production by Womack, Jones and Roos in 1990, this mass production system of Japanese origin has been implemented in a multitude of organizations throughout the world, the results being predominantly positive from a financial point of view. The possibly negative effects of mass production on worker motivation have been discussed since quality of work life became an important political issue in Sweden in the 1970?s. As the popularity of lean service is now increasing, there are still unresolved issues regarding the transferability of a mass production system to the service industry, particularly with regards to the motivation of service employees.Purpose: The purpose of our thesis is to study the lean system of a Swedish bank, SEB Way, from a management- as well as an employee perspective in order to describe how lean may affect the work motivation of service employees.Research procedure: The study is empirically based on observations and interviews on multiple hierarchical levels at SEB. We have conducted a total of 13 interviews with front line employees at SEB, with the central SEB Way team as well as two external lean specialists.Results: The study indicates that SEB Way has little direct influence on the intrinsic work motivation of the SEB front line employees, as work motivation was present prior to the implementation of lean.

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.

This study aims to investigate how federations manage to balance the economies of scale through collaboration and autonomy. This is done through a case study on Länsförsäkringar. The lack of modern research on federations makes the federative structure an interesting field of study. Previous research has shown a general perception that an increased pressure on efficiency and economies of scale creates a stronger common unit that eventually creates an imbalance in the federation. It is therefore interesting to look at the balance, which exists between the member units and the common unit of a federation.

The aim of this study was to investigate the production of knowledge that can emerge in the use of Practice Research by Mirror method. This by finding out what it is in the practical work that leads to the production of knowledge and how knowledge production takes form. The empirical data that form the basis for this study is recorded group within the Mirror method discussions and a focus group interview with social workers who participated in the discussions. Those who have participated are social workers with experience from working with financial aid support and only real cases have been used in the discussions. The results have been analyzed according to Lipsky's theory of street-level bureaucracy and their discretion and Fook and Gardner´s theory of critical reflection.

AbstractTitle: Relevant factors that affect three small and midsize enterprises during an ERP-system implementationAuthors: Fredrik Dreimanis and Thomas JylhäTutor: Peter EkmanKeywords: ERP, implementation, SMEProblem: Which factors has relevance for small and midsize enterprises during an ERP-system implementation?Purpose: The purpose with this essay is to describe and analyze what distinguishes an implementation for small and midsize enterprises.Methodology:The authors have answered the problem with help of theories and articles within the subject of IT and economics and five interviews with companies in different areas of business.Theoretical framework:The most difficult part with adapting a new ERP- system is the implementation phase. (Muscatello et al. 2003) The reason is that the standardization and changing of business processes is a common occurrence during an implementation. (Gattiker and Goodhue.

Purpose: Exploring the relatively new technology of convolution reverb, to gather knowledge on its limitations when used practically in the production of pop music, and from these findings to learn about applications in other performing arts and sound design. Methodology: This is a case study of creating convolution reverb by doing impulse responses (IR) and then applying them to studio recorded pop music. The empirical data consists of the final song results, notes and journals from during the process and the comparisons, as well as established litterature on acoustics, psycho-acoustics and music production. Results: Convolution reverb can widely and freely be used in the production of music and other audio-based art forms, since our study shows that the result of a well-made impulse response from a particular room is indistinguishable from music that is actually played and recorded in the same space..