Titel: RIX-systemet och dess påverkan på finansinstitutens marknadsmaktFörfattare: Tom Douglas och Eric NarfströmHandledare: Evert KöstnerKurs: NEG300, kandidatuppsats Nationalekonomi fördjupningskurs, 15 hp, HT-2013Nyckelord: marknadsmakt, oligopol, räntabilitet, riksbanken, RIX-systemet, konkurrensSyfte: Denna studie syftar till att undersöka om det finns ett samband mellanmedlemskap i RIX-systemet och räntabilitet på eget kapital beträffande företag vilka är aktiva på den svenska finansmarknaden.Metod: I denna studie används både en kvantitativ och kvalitativ metod med insamling av kvantitativ sekundärdata från framförallt Svenska Bankföreningen. Kvalitativ data har främst hämtats från Riksbanken.Teori: Structure-conduct-performance paradigm (SCP) samt Porters femkraftsmodell ligger till grund för den teoretiska referensram som ligger till grund för studien att tillägga till detta används även konventionell konkurrensteori.Slutsats: Studien visar på att det föreligger ett statistiskt signifikant sambandmellan ett deltagande i RIX-systemet och räntabilitet på eget kapital. Title: The RIX-system and its impact on financial institutions market power.Author: Tom Douglas and Eric NarfströmAdvisor: Evert KöstnerCourse: NEG300, Bachelor thesis in Economics, 15 hp, fall 2013Keywords: Market power, oligopoly, return on investment, central bank, the RIX-system, competitionPurpose: This study aims to investigate whether there is a correlation betweena membership within the RIX-system and return on investment regarding companies with in the financial industry of Sweden.Method: In this study, both a quantitative and qualitative approach has been used. Regarding the collection of quantitative data, it has been retrieved mainly from Swedish Bankers' Association. Collection of qualitative data has been collected mainly from The Swedish central bank Riksbanken.Theory: Structure-conduct-performance paradigm (SCP) and Porters five-forces framework underpin the theoretical framework underlying the study.

The purpose of this study was to look into how learners of Swedish as a second language and some teachers of the subject think and reason about the choice between Swedish or Swedish as a Second Language and literature in Swedish at upper secondary schools. Similar studies have earlier been carried out at upper secondary schools in areas dominated by immigrants while the present study has been accomplished in a small municipality with comparatively few immigrants. The study is based upon qualitative interviews which have been analysed through the socio-cultural theory regarding those artifacts, communication and that mediating second learners of Swedish and their teachers and schools are using in their choices between Swedish or Swedish as a Second Language as well as selection of literature in literature teaching.  The study also shows how learners of Swedish as a second language perceive the choice between the two options of Swedish courses at advanced upper secondary school and how their teachers look upon their choice and the information given. Furthermore we will also get to know the learners of Swedish as a second language and their teachers? view on teaching Swedish literature at advanced upper secondary B-level in Swedish.

Syftet med denna uppsats är att genom intervjuer med tre medelålders kvinnor, ta del av deras upplevelser av Adventsmarknaden och friluftsmuséets Lilla Julmarknad i Gamla Linköping. Genom intervjuer och deltagande observation vid marknaderna undersöker jag på vilket sätt informanterna besöker en marknad och hur deras syn på shopping och service styr deras besök. Uppsatsen belyser hur de shoppar när de besöker en marknad, hur de ser på service och hur detta påverkar deras upplevelse. Slutsatsen av denna studie är kortfattat att de besöker marknaden, och shoppar på tre skilda sätt. De definierar och uppskattar service på olika sätt och handlar olika typer av varor.

Background: The valuation of Biotechnology companies is difficult in many ways. Patent and human capital are hard to value and also there is a great uncertainty about the success of the compaines research programs. Are traditional valuation models really useful when it comes to research companies or do they result in false values of the companies? Purpose: To study what values different valuation models gives biotechnology companies and how they correspond to the market value. Method:We have studied financial litterature och found the most common used models today.

Abstract The technology has made it possible for you as a train traveller to be available in other places than stations and on the train. You now have the possibility to communicate by the phone or through the Internet to get information about the train you want to take. Development in mobile technology gives us new possibilities to communication. We want to find out whatever SMS would be a suitable approach to inform passengers about delays. The problem formulation is ?If the technology is available to inform the passengers about delays in an more effective way than today, then why not use it? The ?Kustpilen? that operates in Blekinge and Skåne is the case for our study.

The recent history knows numerous examples of creditor?s inability to evaluate financial solvency of the client correctly. Creditors? risks do not only concern individual relations between the two parties but the economy in general. The standard loan-giving procedure considers evaluation based on a number of financial ratios.

The Swedish Animal Welfare Act say that all milking cows must have access to pasture in summer time. That was a gift to Astrid Lindgren o her 80th birthday from the Swedish Government. Sweden is a predecessor in animal welfare, but how well do we live up to these big expectations? In this thesis I will examine how well the pasture for milking cows works. I have been interviewing farmers with milking cows and people in the business. I have also been searching information on Internet, and using the library of Alnarp. Cows that are kept on pasture are exposed to different kind of parasites, but on the other hand they run a smaller risk to getting acetonemi, pareses and udder infection. Veterinary Pierre Nordmark means that cows on pasture are more healthy then cows kept inside all summer.

Detta projekt undersöker en praktisk lösning av virtualisering i Ubuntu-server med kvm och virt-manager för användning i en moln- eller Network-as-a-service-miljö. Projektet inkluderar även en jämförelse mellan webbservermjukvaran NginX och Apache2 och en jämförelse mellan videokonferensmjukvaran BigBlueButton och OpenMeetings genom att mäta CPU, Minnes och Nätverksbelastning till de virtuella servrarna vid 1 till 20 uppkopplingar från en klientmaskin.Utifrån projektets resultat rekommenderas Apache2 som webbserver då installationen är enklare och skillnaden i resursanvädning är försummbar och Openmeetings som videokonferesserver då detta alternativ är det mer kompletta..

Today there are over 100 000 stray cats in Sweden and of these 10 000 are found in Gothenburg. There are several instances that try to reduce the number of stray cats. The problem for stray cats is primarily the suffering they may face in hunger, cold, predators, diseases, parasites, accidents, etc. The cats receive no veterinary care and may die from a simple infection that easily can be cured with antibiotics. Stray cats also can spread diseases to domestic cats, be a sanitary problem and compete with other small predators on prey. Authorities working with stray cats are the Country Administrative Board and the police authority.

Banks carry a great responsibility when it comes to the financial systems in our society. Disturbance in the credit system affects both lender and borrower. All financial institutions must therefore carefully estimate their risk exposure. This assessment enables them to cover themselves from losses with appropriate capital buffers as main guardian. In order to prevent bank crises and also to maintain financial stability in general, new regulations concerning analysis and preventive actions were introduced on the 1st of February 2007.

Hjälpmedel är ofta en förutsättning för att personer med funktionshinder ska klara av sinaolika dagliga aktiviteter.Syftet med uppsatsen är att genomföra en jämförelse mellan Örebro län, Västmanland och Södermanland hur tillfredsställda brukarna är med sitt hjälpmedel och service.Resultatet visaratt majoriteten av brukare i de tre olika länen är tillfredställda med sitt hjälpmedel och service.Det högsta medelvärdet visar att brukare i Örebro län var mest tillfredställda med variabelneffektivitet och varaktighet, brukare i Västmanland var även de mest tillfredställda medvaraktighet. I Södermanland visade sig att brukare var mest tillfredsställda med variabelnanvändbarhet..

Services, no matter if they are established on the market or not, are often problematic since they are difficult to define for the customer. An example of such services is an real estate agent offers his or her service when it comes to all types of real estate. The purpose of the intermediation is to sell a costumers real estate to a buyer and act arbitrator between the two parties, this means that good communication is very important. To pin down what the service is all about and to know how to communicate is essential. When it comes to land and forest holding a special need of knowledge and experience is needed to be able to act professionally.

In the beginning of the 1990s the responsibility for the schools shifted from the government to the local authorities. This started an era with a freedom of choice for students where they themselves could choose which school to go to. The new system also opened up the possibility for independent private schools to exist side by side with local authority held schools. The overall aim of this study is to determine the factors that affect the location of these independent schools and the geographical pattern these independent schools create. The study in this paper is based on materials from statistics and interviews.

This thesis was conducted to assess how the privatization of Iran Air process managed in last efforts and how should it be in right way. It increases the knowledge about privatization in Iran and the need for it. Iran air as our case study is a flag-carrier airline company that is protected by government regulations and subsidies. We try to find the reasons for failure of privatization in Iran Air and their attempt on privatization.The method used to collect data was a qualitative methodology, consisting of semi-structured interviews with relevant managers, and knowledgeable professors and the official sites and press. In conclusion, we find that privatization is an important need for Iran Air Company and the main problems that are against Iran Air can be categorized to political, financial, and social.

Problem formulation: This paper will examine how the capital structure of firms affects their market valuation by applying the Modigliani-Miller theory on Swedish listed companies in a boom and a recession. The study will examine whether it is possible to draw any conclusions as to whether companies with high debt to equity ratios are valued lower in a recession, in comparison to companies with low debt to equity ratios.Purpose: To empirically test the Modigliani-Miller theory of capital structure in a boom and a recession in order to see if the companies? market value is affected differently depending on whether they have a high or a low debt to equity ratios.Methodology: The essay has a deductive and a quantitative methodological approach. Data analysis was done through a correlation analysis, a regression analysis and a hypothesis testing.Theory: The Modigliani-Miller theory of capital structure with taxes states that companies with a high debt to equity ratios has a higher value. One of the risks with a high level of debt could be that during a financial downturn companies have more difficulty realizing capital and are thus more likely to go bankrupt.Conclusions: The study shows results that are contrary to the Modigliani-Miller's theory; all the correlation analyses between debt to equity ratios and market value are negative.