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.

Fibromyalgia is a chronic pain disorder. It affects muscles and connective tissue. It's a very complex disorder that has no adequate treatment or cure. The research has progressed but there are still some questions to be answered. Quality of life for these patients is decreased and leads to suffering.

This study is about the female entrepreneur in rural areas in Sweden. Five women were interviewed with the aim to examine their way of living (livsform), their motivation, what significance it is to be a woman in business and how female entrepreneurs can be encouraged to start their own business. The conclusions : ? The women in this study live an independent life , but the their way of life (livsform) has changed during their life ? Female entrepreneurship can be promoted trough greater knowledge of the female business, better advice to the entrepreneurs, more networking groups and reducing bureaucracy. ? The driving forces for the women is to do what they like and are interested in, at the same time as they have time for the family and children. They also like to work in the rural areas. ? Female entrepreneurship can be promoted through greater knowledge of female businesses in the community, by creating virtual meeting places such as networking groups and mentor groups on internet.

Background: The meeting industry has had undergone a extensive changes due to a number of factors. The globalization has meant that supply increases and congress organizers have more options to choose from. Development in communications, for instance internet, means that meetings can take place without a physical presence. Congress organizers as clients have also changes. Stockholm as position as a leading city to hold congresses in has also changed for the worse, in 2006 Stockholm dropped of the top-10 list.

Fibromyalgia is a chronic pain disorder. It affects muscles and connective tissue. It's a very complex disorder that has no adequate treatment or cure. The research has progressed but there are still some questions to be answered. Quality of life for these patients is decreased and leads to suffering.

The aim of this study was to try to get an overall image of how participation is constituted in the organization of AMA, a Human Service Organization (HSO) that is part of the Vasteras municipality.  With focus on mainly participation but also communication and leadership the goal was to find out more about how the governing parts of the organization was able to communicate and create participation amongst their employees. Did the message come across? Using a triangulation method including interviews, surveys and observation hopefully this question would be answered along with trying to depict an overall image of the participation within the organization. The results indicated that there were both differences as well as similarities between the employees and the management with regards to how they experienced participation. A surprising result was that the geographical location was found to have an impact on how the staff perceived participation.

Title: How can everybody learn to sing? A study about methods for meeting students with poor singing abilityI have based my work upon the question if everyone can learn how to sing. This study investigates the physical and psychological impacts that singing may have upon us and examines methods that can be used intuition. Concepts such as tone-deaf, amusia, poor pitch singing and monotones are discussed, and the expression ?sångsvag? ?singing weakness?) is put forward.

Death is the only experience we know we will come across in our lives. Yet it is so difficult to speak about death and the sorrow before and after death occurs. The aim of this literature study was to find out how as a general nurse one can help relatives to handle their situation in mourning. The question was: How does the nurse feel when confronted with mourning relatives? What measures and caring should the nurse take to alleviate the handling of the relatives in mourning? After scrutiny and critical analysis of ten scientific papers, some common denominators have remained.

The goal of this paper is to analyze the influence of the EU on Turkish democracy. In order to achieve this aim, the paper concentrates on three areas, as representative institutions, opposition parties and freedom of expression. The impact of the EU on Turkey has been more explicit during the last decades. In particular since 1999 when the country became a candidate for membership, and that will eventually lead to Turkey joining the European Union. Thereby this paper will examine the demands EU set up for the country and how Turkey accomplishes these criteria.

According to Swedish school policy documents, every teacher?s assignment is to individually adapt the education to meet every student?s needs. There are no exact guidelines about how to make these adaptations. The purpose of this study is to investigate how six teachers interpret the policy documents and how they, according to themselves, work to achieve this. This study is built on six interviews with teachers who work with children in the ages from seven to ten.

In 2002 the Norrköping municipality decided to establish a number of supportive teams and one teaching group with the purpose of developing alternative supporting efforts for children with social problems. This development work came to be called BUSS. BUSS today consists of four local teams, team Ett, team Norra, team Torpet and the Mathson School.The teams? focus, beyond the commission from Norrköping municipality, is to reduce the number of children being placed outside their own homes, get them to function in school, develop their self-confidence and social competence. Also their task is to support parents and take up a functional spare time for the children.

A common experience is that leadership could be better handled during reorganizations within the social services. The purpose of this study is to examine how social welfare secretaries experience their managers during reorganizations. How do social welfare secretaries experience the manger?s role and actions? While developing the interview questions it became relevant to illustrate further aspects: To describe how social welfare secretaries experience the reorganizations that they have gone through and their experience of the everyday leadership around the managers?; openness, availability, clarity, trust and skills regarding managing stress among their staff. The study is built on qualitative interviews with six social welfare secretaries within units working with economical social assistance in different districts in the city of Gothenburg.

Syftet med litteraturstudien var att undersöka hur buller påverkar sjukhusmiljön med hänseende på vårdpersonal och patienter. Studiens avsikt omfattar även en undersökning av vårdpersonalens och patienters eventuella olika uppfattningar angående buller. Effekterna av buller och dess omfattning inom vårdavdelningsmiljön har också undersökts. Resultatet av studien visar på att bullermiljön på sjukhus överskrider de riktlinjer för buller som WHO fastslagit. Vidare visar studien på indikationer på att brittiska sjuksköterskors kunskap angående fenomenet buller är bristfällig.

Bakgrund: Folkhälsan i Sverige beror till viss del på befolkningens matvanor. Matvanor grundläggs i de tidiga åren vilket ger den offentliga miljön, exempelvis förskolor, stora möjligheter att skapa goda förutsättningar för barnens matvanor. På såväl global som nationell nivå finns flera styrdokument som berör barns matvanor och hälsa. Det debatteras ofta vilka risker befolkningens matvanor innebär. Vi ville öka förståelsen för matens möjligheter genom ett salutogent perspektiv.

This thesis highlights the complex relationship between social movements and the mass media. The new social movements really have to struggle to get access to the media sphere, often enforced to use spectacular media strategies, and at the same time maintain their political messages. This struggle gives us reason to question the liberal notion of the media as a neutral arena for political communication and debate. In fact we argue that the media industry should be seen as a powerful actor and that the mass media serves to maintain and enforce an ideology that serves the political and economic elites in the liberal capitalist democracy. The Social movements that seek to question these elites and present an alternative, as they did during the EU-meeting in Gothenburg 2001, quite clearly gets far from neutral media image of the political actions taking place instead the are portrayed as violent or associated with violence and not presented as legitimate or believable political subjects..