Background: The hurricane in the south of Sweden in January 2005 was the worst storm in Sweden for the last hundred years. The storm named Gudrun has blown down forest that according to estimation is corresponding to one year of cutting down in the entire country.Purpose: The purpose of this thesis is to describe how credit granters act when facing falling forest real estate mortgage and describe if they will make considerations due to the storm in the south of Sweden 2005.Method: With help of a qualitative method, we investigated how the credit granters act when facing falling forest real estate mortgage. Interviews were obtained with three credit granters, SEB, Landshypotek and FöreningsSparbanken in the county of Jönköping and Kronoberg.Conclusion: The conclusion is based upon the empirical study, the analysis and our own reflections and it shows that the credit granters do not change their policy concerning credit granting to forest real estate properties. The policy of the credit granters has proven to be valid even in this extreme situation..

The purpose of this Master's thesis is to examine if stereotype gender patterns are showing, and how they are showing, in the picture books that have the highest number of loan in Sweden?s three biggest cities. It is also a purpose to show if these gender patterns can be compared to the outlook on gender in the curriculum. The method used is a qualitative text analysis. 13 picture books are analyzed on the basis of Yvonne Hirdman?s theories on gender and Maria Nikolajeva?s theories on children?s literature.

Social work as an traditional aid is an area that provides welfare services financed from public funds, which is one of the methods of microloans. Microloans have since the mid-1970s has become an increasingly common tool in the fight against poverty. Instead of purely assistance is now offered microloans from more banks and other institutions, as well as NGOs (non governmental organization). This paper aims to study whether and how microcredit can contribute to the empowerment of women in Bangladesh and India. This study is based on a qualitative text analysis, and has hence been based on a number of reports and articles. The paper examines, from a radical feminist perspective how microcredit can fight and eliminate poverty, and how empowerment can help women in developing countries to become independent and liberated. The introduction of micro-loan is considered to have positive effects on women's empowerment in the short term. But it is, however, the longer term effects that are considered to have the greatest positive impact on society's unequal structures.

Payday loans are becoming a challenge of increasing gravity for society. Statistics show that the number of young adults with financial issues related to such loans has been growing over the past few years. Despite efforts to halt this trend, little is changing. Government mandated warning labels in commercials are typically used to inform about the risks associated with the consumption of certain goods and services, such as alcohol and tobacco. Despite issues related to payday loans, there is currently no legislation in Sweden mandating the inclusion of warnings in marketing of such loans.

The aim of this study is to examine how public librarians in small Swedish municipalities experience their professional roles. As part of examining such an abstract subject as experiences we also examine what tasks they perform, which will function as a support of the analysis. The theoretical frame-work is based on librarian identities worked out by Anders Ørom and a model of professional roles worked out by Maj Klasson. The analytical procedure consists of both deductive and inductive viewpoints. The empirical material consists of qualitative semi-structured interviews with five librarians that work in public libraries located in municipalities with less than 12 500 inhabitants.

In the beginning of the 19th century, Swedish was the only official language of Finland, and thus the dominating language in administration and higher education. However, during the latter part of the century, efforts were made to develop Finnish into a language which could be used in every part of society. In 1881, the medical society Suomalainen Lääkäriseura Duodecim was founded with the development of a medical terminology in Finnish as one of its main purposes. In 1885, a medical paper, Duodecim, and a medical dictionary were published. The aim of this study is to illuminate the vocabulary of the dictionary.

The aim of this essay is to examine different discourses concerning adolescents and library youth services that can be identified in the material. 73 articles from the Swedish library journal, Biblioteksbladet, were analysed trough a model. The different articles were all published between 1916 and 2005. The analysis revealed a result that consists of four discourses about adolescents and youth services at different libraries between 1916 and 2005: the library as fostering discourse, a new era discourse, the visiting activities discourse and the young adult discourse. The library as fostering discourse is based on the idea that the library itself doesnt need to change the service to adolescents, instead the adolescents are supposed to change into good library users.

According to the EC fuel regulations 2 % bio fuel has to be blended in all fuel by the year 2005, and 5.75 % by the year 2010, which means ethanol for gasoline driven vehicles, so there will be a substantial demand for ethanol. Brazil already has an established industry for producing ethanol and is the leading producer and exporter of fuel ethanol. My purpose with this paper is to investigate why Brazil decided to develop ethanol production on a large-scale operation and to find out today?s situation. Focus will mainly be on ethanol production with sugarcane as a feedstock.

The starting point of this study is theories of European integration, which are used to formulate different scenarios about the future of the European Union. This is made in regards to the eurocrisis which has intensified the discussion about how to change the construction of the euro to overcome the economic difficulties that has arisen. In this study, four different scenarios are presented: "An updated Europe", "A new Europe", "The death of the euro" and "Goodbye Greece". The first two scenarios takes its starting point in the neofunctionalist theory of European integration and describes how the EU might increase its level of integration in different ways. We can either see a development where the EU tries to improve the implementation of the rules that are meant to coordinate the member states? economic policy, or we might encounter a more advanced integration where fiscal policy competences are transferred to the EU-level.The latter scenarios, however, takes another theory in to account, liberal intergovernmentalism, and describes how the eurozone might be fragmented in different ways due to conflicts of interest between lenders and countries that has to receive loan-packages.

Problem Faith in the power of advertising has varied largely through the ages, and since we know that advertising is paid for, it therefore has less weight than the usual news. Publicity through promotional activities is in turn difficult to control. The question which of these two ways to communicate with the market that is the most effective, is equally entitled to ask, as difficult to answer. Purpose/Aim This paper is designed as a pilot study with two different objectives that go hand in hand. The first overall aim is to investigate how advertising and PR / publicity can be measured with the same tools while designing this metric.

Femsjö is a small parish situated in Hylte municipality, Växjö diocese. The parish has a total area of 8230 ha of which 5000 ha are covered with forest. There have not been any large industries in the parish offering work opportunities for the inhabitants, so they have had to generate income from their land and the forest. Instead of going to the bank to get a bank loan the people of Femsjö parish went out in to the forest and harvested trees for timber and extra cash revenue. Production of pine tar and potash were two other ways that the residents of Femsjö parish could earn extra money for the household in order to keep starvation away.

The population growth in Europe and with that in Sweden was enormous under 18th century. The results became housing shortage in large part of Europe. Tight residency/ inhabited, poverty and emigration were series of social questions in Sweden. Private house (egnahem) as in the beginning was an idea from England and Germany became a political measure and the answer at those miserable social circumstances in Sweden. The purpose with the private house (egnahem) was to help those new people moved in to towns with place to live and counteract movers to towns and emigration. With the governmental loan and land availability that some municipalities and wealthy people contributed with, could people get a place to live with the small garden. The city garden (trädgårdstaden) with their future idealistic idea/utopia, English gardens, ideas with roots in the old-fashioned gardens (allmogeträdgårdar) and lots of books and periodicals were the source of inspirations. From these the private house gardens (egnahemsträdgårdar) were born. Object for my study is my and my family?s own house in Limhamn, south west of Malmö which was built in 1912 under private house gardens era. The garden and the building have still trace and element from the time of private house. My suggestion is inspired by the private home style with a new thinking design that answers to daily need and the busy life style; a rather easy to maintain for green environment. A more relaxing and peaceful garden with simple design, a garden despite that it is surrounded by neighbours and streets invites in harmony and dreams..

In light of the massive property bubbles that have been bursting in the USA, Spain and Ireland during the last decade, the aim of this thesis is to clarify whether ? or to what degree - the municipality of Stockholm might experience a property bubble in the near future. The municipality of Stockholm is undergoing a housing shortage and house prices have risen during the last few years. Neoliberalism and property bubbles are used as a theoretical framework in this paper. The methodology consist of semi structured interviews, analysis of documents and statistical data from Eurostat, Valueguard and the Swedish administrative authority; Statistiska centralbyrån (SCB).

This paper investigates the ongoing talks between the Swedish libraryassociation (Svensk Biblioteksförening) and the Swedish Publishers?Association (Svenska Förläggareföreningen) regarding a new payment modelfor e-book loans in Swedish public libraries. The current model allows an ebookto be lent an infinite number of times and for each loan the library paystwenty Swedish kronor to the supplier, Elib, which in turn passes half of thatsum on to the publicers.The reason for the talks is that both libraries and publishers have reason to bedispleased with the current model. For the libraries it has proven to be aneconomic challenge, for the already strained library economies, sincepayment is made directly by the individual library from the media budget.The publishers also have reasons to want a change of model since thecompensation they receive from the libraries is not enough for them tocontinue publishing e-books and making a profit. They argue that to protectthe commercial e-book market the principle of free loans has to be replacedby a model that introduces ?friction? in the form of limitations on how manytimes a title can be loaned.This study is based on interviews with representatives from both sidesinvolved in the talks, along with a representative from Elib and a librarian.An analytical tool has been constructed by the author to aid in the process ofuncovering arguments and standpoints in the interviews.

Real estate financing is one of the key figures for financial success and fundamental to asuccessful business. Funding will come in several different ways, from existing cashflows andassets to new capital requirements which are aimed at different markets.These markets are constantly changing and since the recent financial crisis, there have beenadjustments and austerity measures which led to that the banks have become more restrictive intheir lending.The real estate industry is characterized by both long-term and short-term thinking that ischaracterized by a solid continuity. Our thesis discuss how the demand is in the real estatebusiness and how mature the Swedish market is for junior financingwith focus aroundmezzanine debt and where are we headed in the near future.We've reached out to the key players in the industry on both the buy and sell side of real estatefinancing but also people between lenders and borrowers that handles transaction advice. Tohave been able to implement the analysisa survey and simulation of an investment calculationwas created. This questionnaire was answered by many real estate companies with senior peoplethat had operational positionsmost associated with corporate commitments.