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.

What kind of international actor is the European Union and how shall we define it? These are questions that many have tried to answer often by addressing the apparent uniqueness of the EU itself. One of these theories is Normative power Europe. A theory whose main argument is that the EU is best perceived as a changer of norms. My aim with this thesis is to test this claim and to see if the Union should be regarded as a normative power.

Using a qualitative research method to get the empiricism for analysis, we have analyzed advisors and job seekers experience of management meetings at the job center in Halmstad. We used a semi-structured interview form when we collected the empiricism from four advisors, four job seekers and one complementary actor in the form of a job coach, with a hermeneutic approach to interpreting the informants? subjective experience. We also chose to analyze our results using theories by Asplund, Von Wright, Mead, Scheff, Barth and MalténsThe results presented have shown that time is what they all described as lacking. It was found that the job seekers had a reasonable degree of common experience in both the management meetings and the working role of the advisors, while the advisors themselves were divided on how their role would be applied.

AbstractTurkey has emerged as a major actor in the Middle East over the last decade, since the ruling party AKP came to power in 2002. Turkey is now playing a mediation role in regional conflicts and has been speaking out loudly on sensitive issues such as the Iranian nuclear program and the Palestinian- Israeli conflict. Furthermore, Turkey has established close ties with the Arab world which has suffered the relationship with its long-time ally Israel. This new presence in Middle East has been criticized by Turkey's allies in west. Critics argue that the country is about to abandon its former western relationship and strengthen their ties with the Arab world instead.This thesis has two main purposes.

The importance of student influence at the universities is something that is described in Swedish regulations as well as in local policies and documents for Karlstad University. At the same time there is no description for the interpretation of what student influence actually means. It is up to the university to decide what student influence should be at the university and how it should be represented in the organization and processes.The purpose with this essay is with a discursive perspective of analysis define how representatives of Karlstad University reflects how the student influence should be represented in the organization and if it is possible to connect it to the position as an actor of co-decision or of influenceThe analysis show that different levels of the university will describe the position of student influence differently, and that it plays different roles to keep up the quality of education at the university. It shows that it will be of more importance that student influence takes the role to influence the organization more than co-decide the nearer the student the process will come..

This essay investigates the statements of Växjö municipality?s motives for some of its many environmental projects. The aim of the essay is to be theory-testing as to see how a municipality/city which promotes itself as being ?green? motivates its efforts in the environmental area. Växjö city promotes itself as ?The greenest city in Europe?, an award appointed to the city by BBC and other international media.

Syftet med studien har varit att undersöka varför nyanlända flyktingar tackar nej till ett Migrationsverkets kommunplaceringserbjudande och väljer att bosätta sig i Göteborg, samt hur inneboendesituationen påverkar deras tillvaro. Våra huvudfrågeställningar är ? Hur beskriver flyktingar anledningar till att de tackar nej till kommunplacering?? Vilken roll spelar informationen om kommunplacering från Migrationsverket inför beslut om bosättning i Göteborg?? Hur upplever de sin nuvarande inneboendesituation och dess inverkan på deras tillvaro?För att nå syftet har vi använt oss av en kvalitativ forskningsmetod som består av intervjuer med fem nyanlända flyktingar. Studien har en fenomenologisk ansats, det vill säga beskrivande utifrån individernas personliga berättelser samt analys och tolkning av dessa berättelser. Resultatet av intervjumaterialet har analyserats utifrån teoretiserade begrepp så som rational choice, socialt nätverk och hem.

I alla tider har man byggt modeller över saker som skall byggas för att på så sätt åskådliggöra det som skall skapas. Dessa modeller hjälper till att förstå och formulera problem och lösningar, hur sammanhangen är och vilka beståndsdelar som skall ingå. Beroende på vilken typ av produkt som skall konstrueras, kommer olika modeller att få olika betydelse. En utvecklare har ofta en inre bild, en mental modell, av vilken typ av system som skall utformas. Denna bild kan vara detaljerad eller bara en avlägsen idé.

This study is an attempt to examine a hospital library's difficulties in reaching customers with consumer health information. The method was a case study of the consumer health service in the hospital library in Västerås, a town in Sweden. Qualitative interviews, observations and written material were used. The approach was from the actor's point of view with the intention to look upon the problem with the eyes of those who work at the hospital with information to patients, that is librarians and medical staff. Theories about marketing in service organizations and how to develop new services were used in the study, as well as theories about communication and different cultures within organizations of different kinds like the library and the hospital.

This thesis discusses and analyses the existence of two different perspectives, a social and a technical one, in Library and Information Science (LIS). Most of the time the division between these perspectives seems to result in research only using either of them. This can be a problem when studying complex phenomena. We therefore see a need for a metatheory that unites the social and the technical. By presenting and analysing all doctoral dissertations published at the Swedish School of Library and Information Science (SSLIS) 1993-2005, we try to detect and critically discuss the dichotomy between the two perspectives.

Our thesis is a single-case study in which we try to answer the question: Why didn?t the lobbygroup Eurogroup for Animals get enough support for their demands in the latest regulation regarding transport of animals? As an example of their cooperation with their memberorganisations, we have chosen the Swedish organisation Djurens Rätt. Through interviews with key-persons involved in the process and with the use of Jeremy Richardson's theory regarding lobbying in the EU, we found that there were many different factors that effected Eurogroup for Animals chances to get an animal friendly legislation. For example by setting too ambitious demands Eurogroup for Animals wasn?t considered to be a serious actor during the legislation process.

I alla tider har man byggt modeller över saker som skall byggas för att på så sätt åskådliggöra det som skall skapas. Dessa modeller hjälper till att förstå och formulera problem och lösningar, hur sammanhangen är och vilka beståndsdelar som skall ingå. Beroende på vilken typ av produkt som skall konstrueras, kommer olika modeller att få olika betydelse. En utvecklare har ofta en inre bild, en mental modell, av vilken typ av system som skall utformas. Denna bild kan vara detaljerad eller bara en avlägsen idé. Med hjälp av olika typer av modeller kan en utvecklingsgrupp visualisera, specificera, konstruera och dokumentera strukturen och beteendet för den tänkta produkten.

This qualitative study focuses on the investigation of different actor?s ideas concerning gender and womanhood in a post-socialist nation Bosnia and Herzegovina. The aim of this study is to try to provide experiences and attitudes of one not a new, but definitely one constantly changing phenomenon, trafficking in women for sexual exploitation. The qualitative data is mainly collected through nine interviews with people from Bosnian Governments, International organizations and NGOs during my stay in Bosnia and Herzegovina. The causes to trafficking are complex and intertwined but it directly relates to gender discrimination and attitudes on sexual relationships between women and men.

Kravhantering är en komplex uppgift som är viktig vid systemutveckling. Om kraven på ett system är felaktiga kan konsekvenser uppstå som är svåra att rätta till senare under utvecklingen. Användningsfall är en kravhanteringsteknik som idag används av många företag. Enligt litteraturen finns det både fördelar och nackdelar med att använda användningsfall för att hantera de krav som ställs på systemet. Denna rapport undersöker hur systemutvecklare som använder sig av tekniken uppfattar den.

In some postmodern philosophy and theology, the view of God has returned to the centre of the discussion. God is seen as a living reality beyond human conception. Some of the contemporary philosophers even relate to the negative or apofatic theology. They often do this as a contrast to the positive theology. The view of God in postmodern theology and philosophy is beyond our rational knowledge.