Aim: Banks? settlement of handling cash and the technological developments of our payment services, leaves us guessing at the outlooks of consumers? payment systems. One of the new payment options arising from this development is mobile payment. With access to internet, mobile payment can take over the role as the primary method of payment, as it can be used on any occasion. Questions are raised about which factors that are affecting the future users? attitude to use mobile payment, and if the service can be a threat to the traditional card payments.Method: This study is based on a quantitative method by the means of a survey design.

Research now shows that the Individual Educational Programs (IEP) are dominated by individual- oriented actions. This despite the fact that the school`s policy documents advocate that IEP should be viewed in context of the school`s activities. Support must be seen from a holistic perspective and the student`s difficulties will be related to the whole school environment. In an attempt to understand why the individual- oriented actions are still there, I have studied how specific IEP are formulated, and how it relates to the school`s policy documents.In the study, I used discourse theory as a method. By examining the I E P in educational activity, I wanted to find the meaning with which the concept of individual, group and organizational level were filled.The results show that the IEP in comparison with the policy documents mainly differ on the definition of group and organizational level.

Rapporten är tänkt att fungera som ett informationsdokument för de företagen samt personer och funktioner som påverkas vid en eventuell olycka i Svartöstaden. Förhoppningen är att rapporten ska öka förståelsen för vilka risker som finns inom området. Vidare är det även önskvärt att densamma skall kunna fungera som ett styrdokument vid eventuell utökad bebyggelse utav Svartöstaden samt närliggande områden. När en av Norrbottniabanans föreslagna sträckor planeras i direkt anslutning till området, finns det därav ett behov av en sammanställning av de olika företagens specifika risker. Svartöstaden byggdes upp under slutet av 1800-talet, den malm som framställdes vid gruvan i Malmberget transporterades ner till Luleå för vidare transport via fartyg.

The purpose of this study is to show which content that is most common in the Swedish News Agency TT Nyhetsbyrån?s sports coverage. It also shows if the coverage is concentrated to for example any special sports, clubs, people or topics.This study uses a quantitative content analysis and the result is based on texts from 28 systematically selected days during one year. In total, the study includes 906 texts.The result of this study shows that the sports content of TT Nyhetsbyrån?s news feed is mainly concentrated to two sports, football/soccer and ice hockey.

The aim of this study has been to get a better knowledge and understanding of the way teachers are working with reading comprehension in the grades 1 and 2, which was done through description of 5 teachers way of working.The theoretical basis of this study grounds in the sociocultural perspective. I based my study on Vygotsky?s theory which claims that strategies transferred from adults to children through social interaction get internalised and then used independently. I have also made use of several theories that specifically deal with reading comprehension that allowed me to identify this area of teaching as a complex one, consisting of several elements. In order to understand a text on a deeper level a reader has to be able to infer, or read between the lines.

Title: Youth unemployment- A study of the tax effect on youth unemployment in 13 European industrial countries Seminary date: 2009-02-06 Course: NEK691 ? Bachelor thesis, 15 p Author: Emma Jonsson Tutor: Klas Fregert Keywords: Youth unemployment, tax, 13 European industrial countries, panel data, multiple regression analysis. Purpose: The purpose is to examine the reasons behind youth unemployment with a special focus on tax policy. Method: By using a multiple regression analysis examined with panel data from 13 European industrial countries for the period 1998 to 2004. The dependent variable youth unemployment is explained by five independent variables.

The aim of this essay has been to find out whether the individual development plan does make it easier to teachers to discover any needs of the students to get education or material changes and by that make adjustments in the classroom. I chose to seek information by interviewing special educators at four compulsory schools, since they have an overall apprehension of how the work is carried out at the school, especially the work with students in need of any form of extra support.All students at the Swedish compulsory school shall have an individual development plan. The purpose with the plan is, besides that the student is to be given possibilities to form his own pedagogical and social goals, that the teacher shall get early signals if a student may be in need of getting education and materials changed and adjusted for to easier manage his studies. The individual development plan of the student should have the function as a tool to the teacher to facilitate for his students.The answer of my question can be sum-up in a no, the inherent potential in the individual development plan is not utilized by the teachers that seem to have the apprehension that the plan is for the student all by him/herself. The teaching staff has obviously not understood the use they can get out of it. .

To talk about, talk to or with children. A conversation between a child and its teacher should be more than the teacher telling the child what to do, how to act. It should be more like a respectful and reverent meeting between two people where the adult sets the tone. The purpose of this research is to investigate teachers' experiences of conversations with children in need of special assistance. Our issues: What do teachers say about how they meet children in need of support? How do teachers response to students who are in difficulty? What ability have teachers and their school's to meet children in need of support and what appear to be particularly important or problematic issues for them in that work? In order to find some answers to our questions we interviewed ten teachers at two schools.

The purpose of this study was to examine domestic adoptions in Sweden, and also compare the Swedish adoption system to the Canadian adoption system. I wanted to find out why there are so few domestic adoptions in Sweden, and how it has changed over the years. I also wanted to know why there is such a large difference between Sweden and Canada regarding adoptions.I interviewed five social workers to find out what attitudes the social services have regarding adoptions. My other questions were how the childs best interest is considered when a parent wants to place a child in an adoptivefamily, and which parents decide to place their child instead of keeping it.I found that the social services are reluctant to place children in adoptivefamilies because their main goal is to keep biological families intact. In Canada the social services goal is to provide the child with a safe and stable home.There is no longer any stigma surrounding single mothers and well developed welfaresystems enable most to keep their children.

The history of books and libraries in the Philippines starts after the arrival of the Spaniards in 1521. During the Spanish era, most of the libraries were established through the religious orders to support their own religious mission. The Americans came in the beginning of the 20th century and have had a decisive influence on the education system and the development of libraries in the Philippines. For the analysis, I have used the models of Michael H. Harris and Magnus Torstensson in their studies of library development.

Social work is a social phenomenon, existing in most societies, that has given rise to a multitude of special organizations and professions. For that reason social work is dealing with a complex identity. The purpose of this study is to illustrate how social workers and the scientific discourse interpret the concept of social work. In addition to that the study intends to show similarities and differencies. The research process containes two studies, one based on qualitative interviews with five social workers and the other consisting a surway of academic litterature.

My interest in examining what happens when you as a teenager are exposed to five or six times the amount of time as ordinary classes to music education derrives from my own experience as a music teacher at a school which has those kind of special music classes. During my career as a music teacher in grades 4 ? 9 in Swedish compulsory school I have taught music classes as well as ordinary classes for 18 years. During this time I have often wondered what this exposure means in retrospect. Is it the conquering and mastering of music skills that students remember when they?ve grown up to young adults, or is it something else?The aim of this study is to find out what it means for teenagers to have music as a school subject every day of their years in Swedish high school.

Deliberative politics offers a new and exiting way of overcoming the problems that the western democracy of today is facing. A lot of research in the most recent years have had the goal to replace the representative democracy with a decision-making frame built on decentralization and deliberation. The goal for this essay is to create a framework for local decision-making, based on deliberativ norms, that could work as a complement to the representative democracy instead of replacing it.During the recent years the so-called "brukarråd"; councils for the most common users of one special public service, has been a new way for the local government to get in direct contact with those who are most affected by changes and developments in the specific area of the public administration. In this essay I argue for that these councils should be designed so that they could house deliberative processes.After creating a model for the possible way of designing the "brukarråd" I compare the framework with the system that exists today. In this way there is a possibility to point out if there is a way to deepen the democracy within the already existing system..

AbstractThis study deals with outdoor education together with Swedish language teaching. In my future profession as a teacher I want to be able to offer my pupils varied, discovering and exploring lessons focused on nature. The aim of this study is to throw light upon outdoor teaching, hoping that more people will discover nature as the right place to learn.In my study I have asked these questions:? What is outdoor education?? How can Swedish be taught out of doors?? Why is this method a good complement to the traditional teaching in the classroom?With these questions in wiev I made three qualitative interviews with teachers with different backgrounds. In addition I have planned, taught and evaluated the lesson that is the basis of the result.Outdoor education should be given increasing time in school and be used as a complement to the traditional teaching in the classroom.

This paper attempts to display how five teachers of social studies use and relate to the policy documents and their instructions on gender. To penetrate the subject, five teachers were intreviewed. Each interview focused on how the curriculum attempts to guide teachers regarding gender, sex differences and equality of opportunity. The collected information was processed, analyzed and discussed using gender studies and discourse theory.The results show that the interpretation and usage of the curriculum is very subjective and varies greatly between all the interviewed teachers. Their personal interpretation proves to be crucial when it comes to making reality of the stated goals in the curriculum, concerning actively working towards equality of opportunity between sexes.