This study examines the effects of credit risk and information disclosure in the new bank regulating system Basel II on bank and bank customer. The effects are then discussed in a perspective of the economic man and information asymmetric theories. Furthermore is the Basel II effects on the capital adequacy of Andelsbanken för Åland examined.The approach of the study is qualitative and several interviews with individuals on different levels of the examined bank, Andelsbanken för Åland, have been carried out during the collecting of empirical facts about the effects of the regulating change from the Basel I system to Basel II.The research findings are as follows:Andelsbanken för Åland have increased its capital adequacy ratio from 12,7 percent to 14,4 percent, mostly due to lower risk weights on housing mortgages compared to Basel I. Andelsbanken för Åland have started to use a completely new credit risk and customer assessment system which classifies every customer and gives them a credit rating. The system cause a much heavier information gathering of the customers profile as well as a much better assessment of risk than the previous system, which the bank finds positive.

Syftet med studien är att undersöka hur sångpedagoger beskriver att de arbetar med röstregister i sin undervisning, vilka olika röstbegrepp informanterna använder sig av samt hur de förklarar dessa för eleverna. Med denna studie vill jag få en bild av hur terminologin påverkar undervisningen när samma register förklaras på olika sätt. Jag har utgått från kvalitativa intervjuer för att på så sätt få en mer utförlig bild av sångpedagogers uppfattningar och handlingar. Jag har intervjuat fyra sångpedagoger i olika genrer för att se om det finns någon skillnad i val av begrepp utifrån vilken genre de arbetar inom. För att kunna tolka och försöka förstå informanterna på ett djupare sätt har jag använt mig av ett hermeneutiskt förhållningssätt.

The aim of this text is to compare the semantic profile of the Russian prefix B?- with that of the Swedish particle "ut". It follows Janda's categorization of Russian B?-verbs into semantic groups and compares Swedish phrasal verbs with the particle "ut" to the semantics of the Russian prefix B?-. The material consists of Russian B?-verbs and their Swedish translations retrieved from Norstedts ryska ordbok.

In this study I try to answer the question what to consider when teaching about identity andreligious identity in Religious Studies at Upper Secondary Schools in Sweden. This inquiry isbased on the fact that the latest Program manuals for upper secondary school, GY11, instructsthe teachers to talk about identity and religion, while in the Curriculum for upper secondaryscool, Lpf 94, as well as the latest curriculum, SKOLFS 2011, the idea of identity seemslinked with ethnicity.With this in mind I want to clarify what might be meant with the concept of identity. Byreferring to several different identity theories I propose to illustrate the complexity of theconcept. I study gender, queer and postcolonial theory as well as different aspects of classstructure and commodification of identity, all through the perspective of intersectionality.Intersectionality is not a theory as such but a method of studying various perspectives of anissue. It is an analytical praxis of using several angles of investigation and explanationtogether, all phrased with the background of the question of power.

AimThe main aim of this study was to find out how teachers reflect on their work with developing pupils? interest towards mathematics in grade nine. As a teacher in mathematics, it is important to be aware of different views on interest towards mathematics and how it is possible to work in that direction. Since developing interest towards mathematics is written the in syllabus as criteria for teaching mathematics in grade nine, it is important to know and take an active role in finding ways to approach the issue.Main issues? How do teachers in grade nine reflect over their work with development of interest towards mathematics?? How are teachers? Beliefs Systems reflected in their work with interest?MethodThe main focus of this study was teachers? perspective on their own work on developing interest towards mathematics.

A new visual identity for the ski store Alpingaraget in Stockholm has been proposed as the result of this thesis. Theproposal includes a new logotype, various printed matters, design planning of the store, interior design, signs and otherapplications.The theory section is within the field of graphic profiling and with some focus on profiling in stores.A clear visual identity is important for a company because what the company communicates internally and externallyshould be kept as consistent as possible. This is especially important nowadays when more and more similar products andstores are available. This means that the visual identity becomes part of the competition with other products and stores.The base elements in a visual identity are logotype, colors and typograpy. Using these elements according to rules andtemplates makes a consistent visual profile..

Det här examensarbetet behandlar Suzukipedagogiken och barns upplevelser av föräldrars aktiva stöd och engagemang när deras barn lär sig spela ett musikinstrument. Undervisningsmetoden bygger på interaktionen mellan elev, förälder och lärare, vilket utgör Suzukipedagogikens hörnstenar. För examensarbetets utförande valde jag ut fyra informanter, utifrån kriteriet att de skulle ha haft minst en förälder som utövar musik som amatör eller professionellt. Vidare skulle två informanter ha undervisats på ett sätt med anknytning till Suzukipedagogiken, och de andra två skulle ha undervistats inom ramen för traditionell instrumentalundervisning. Motiveringen till urvalet var att därmed kunna jämföra informanterna mot deras olika bakgrunder av undervisningsmetoder.

The purpose of this study is to examine the view of Swedish language teachers on the role of fiction and of school libraries within the compulsory school?s teaching of Swedish of form 6-9. The questions to be answered are:? What part do Swedish language teachers (hereafter called teachers) think fiction is playing regarding the pupils inclination to read and reading promotion?? What is the attitude of teachers regarding the function of fiction in the Swedish subject?? What do teachers consider being the role of the school library in education, and can this be related to the local school library resources?To answer the questions a questionnaire was sent out to thirty-five teachers. Four qualitative interviews were also carried out among the fourteen teachers that answered the questionnaire.

Unlike previous research, this thesis considers the possibility of regarding the morning prayers in Swedish schools as preaching, rather than teaching. 28 morning prayers, delivered in the church of S:t Johannes in the city of Malmö during 1939-1954 by the religious teacher Astri Heimer (1889-1986), constitutes the material for analysis. The purpose of this thesis is to examine if Heimer's morning prayers may be regarded as preaching, and to discuss the significance of this, in particular considering her role as leader of morning prayers.The examination is conducted in three steps. The first step investigates how morning prayers in general ought to be understood - as teaching or preaching? This is done by describing and comparing the literary genres of religious teaching and preaching, looking into the rules and principles which define the field of application.

Title: What is violineurhythmics? Students' and parents' thoughts and reflections about violineurhythmics. The purpose of the investigation is to present students' and parents' thoughts and reflections about violineurhythmics. Data consists of qualitative interviews with students and parents who experienced the method during the last years. Violineurhythmics can be seen like a genre of the method of the rhythmic.

The purpose of this study is to investigate whether and how some teachers in primary education in a multicultural area discussing the interculturality in their teaching with students from grades 1-3. It also aims to examine how students? cultural interactions in the classroom are expressed..

The development of solar photovoltaic (PV) is increasing,with declining module prices and with a strongenvironmental profile. Policies are developed around theworld to achieve the targets set for renewable energy.In Helsingborg, the local power company Öresundskraft isworking with solar PV to achieve the goals of the city.With their vision: - Energy for a Better World and Powerfor the Region, their work with developing the local solarPV market is continuing and the next step is to create asolar PV policy. Today their offer is 1 SEK/kWh for theexcess electricity delivered to the grid.It turns out that compensating the customer is a vitalpolicy and it has to be dynamic to follow the decisions ofpolitics. The same survey shows indeed, thatenvironmental and technical part is of interest. Solar PVwill be supported locally to act on environmentalsustainability and locally produced electricity and withthis Öresundskrafts vision will be achieved..

The following study pertains to investigate the Christian belief in the resurrection of Jesus as it is portrayal in text books aimed at the course Religion 1 for Swedish upper secondary school. The study was carried out by looking at 12 selected books meant to function as teaching aids suitable for the course. The methodology covers both qualitative and quantitative aspects. The study shows that the topic of the resurrection is dealt with in a ratherneutral fashion. A survey of the evidence does not give credence to the notion that the textlength assigned to the resurrection, in any way gives greater importance to the resurrectionbeing of superior value as an Christian article of faith.The results are further discussed, and suggestions are given for how theresurrection of Jesus can function as a didactic tool for the purpose of teaching Christianityfor Swedish speaking upper secondary school pupils, in agreement and harmony with theSwedish syllabus.

This is an interview- and literature study that discusses teaching about the Second World War and the Holocaust, while working with the basic values in grade 7-9.The purpose with this examination is to see how teachers of history in grade 7-9 choose to teach about the Second World War and the Holocaust, how they work to integrate the basic values in their education and whether the teachers? education can be sustained by the Swedish school curricula.In this study I?ve been doing qualitative interviews with five teachers of history in grade 7-9 from different schools. I have also perused the Swedish school curricula and read some literature and studies about different ways of dealing with the subject: the Holocaust.According to the central parts of the Swedish curricula, LGR 2011, the fields about the Holocaust and the 20.century World Wars are to be studied during grade 7-9. All my respondents in the study teach about this think that the most important thing with this complex time in history, is to give the students a deeper understanding for the time leading up to the beginning of the  Second World War in 1939, and why the Holocaust actually took place.Regarding the work with the basic values, all the five respondents agree on the fact that, this subject shall permeate the entire work at school, all the time, every day, but that it?s absolutely essential while studying the Holocaust.

The purpose of this study is to present a comparative analysis of seven literature anthologies for the Upper Secondary School, from 1968-2004, to investigate how much space Esaias Tegnér is getting and how many and which of his works that is presented in these anthologies.The study is set against the hypothesis that Tegnér is getting a reduced space in the anthologies because of his connection to Romantic nationalism, which after World War II has been associated to the themes and ideology of the National Socialism. In view of this I have asked myself if Tegnér is getting a reduced space in the literature anthologies for the Upper Secondary School. My study shows that this is the case.One can also see clear trends in a subjective approach towards the author. In the anthologies where Tegnér have had a strong prominent role, he is retaining his position even in later editions. Over the entire period of 1968-2004 he is getting a less prominent role, although he is generally presented as the greatest poet of his time.I have also examined the discussion of Tegnér during that period to see if you can find any connection between the discussion about Tegnér and the change his work gets in the literature anthologies.