Purpose: The purpose of this thesis is to examine whether some periods of declines in Swedish real credit can be explained by a credit crunch. Is it further possible, with these results, to do any conclusions about the banks behaviour in the on going financial crisis that has shadowed the country since 2007/2008? Method: A credit crunch is here defined as a period of supply-side restrictions on loans which doesn?t reflect the ongoing interest rates. By estimating a supply and demand function with a disequilibrium model the excess demand- and supply for credit due to different periods can be calculated. Conclusion: A credit crunch has been present during a period after the banking crisis of early 1990?s.

The global financial crisis hit hard on banking operations worldwide and the sector fell under considerable scrutiny, with particular criticism directed against the banks' own trading practices. A bank owned by the Swedish financial corporation HQ seemed to go without serious financial damage duringthe crisis.In 2008 Finansinspektionen began a review of HQ's activities and a number of shortcomings were identified. Among other things, HQ's risk management was questioned by Finansinspektionen and further how this potentially affected the valuation of complex financial products.In our paper we have chosen to highlight both national and international laws and guidelines that HQ used for their operations and study if HQ followed those laws and guidelines. We also want topresent the theoretical model used by HQ for the valuation of its European options and how HQ calculated their capital requirements ratio. Our purpose is to show how the valuation affected the capitalrequirement ratio and whether HQ followed the necessary laws and guidelines for the valuation of complex financial products.We have chosen to carry out a case study from a deductive approach.

This thesis within the field of Integrated Product development at the Royal Insitute ofTechnology, performed at Primary Development Dishcare at AB Electrolux, is supposed to finda solution to enhance the hygiene inside an Electrolux dishwasher. The outcomes of this thesisare functional prototypes to evaluate the efficiency of disinfection by the use of Ultra VioletLight and Ozone.The thesis has followed Electrolux Primary Development process, with delivarables andcheckpoints.Ultra violett light with a wavelength of around 264 nm penetrates through the cell wall ofbacteria and micro organisms and causes a molecular rearrangement of the cells DNA. Thisprevent the bacteria from reproducing and it is considered dead. Commonly used UV-C lampstransmits the wavelength 254 nm which is very close to the optimum for germicidal action.A competitive brand have reacently launched a dishwasher claiming to achieve greaterdisinfection with an UV feature. This dishwasher was tested during the thesis and proven tohave a very low effect on the hygienic result.Two prototypes were devolped and tested for UV disinfection of dishware.

Vårt syfte med uppsatsen var att beskriva, analysera och ange förutsättningarna för, och den praktiska utformningen av Balanced Scorecard på Nordea Kundcenter Privat i Malmö. Vi har genomfört en fallstudie med målet att utveckla och ge förslag på förbättringar för det befintliga styrkortet i syfte att utveckla verksamheten inom samtliga perspektiv. Vi har genom vår studie genomfört den första externa utvärderingen av Balanced Scorecard på Nordea Kundcenter Privat i Malmö. Utifrån den kan vi konstatera att styrkortet är väl implementerat i organisationen och fungerar idag som ett bra verktyg för strukturering, planering och utvärderingen av verksamheten. Genom studien har vi också kunnat konstatera att de viktigaste faktorerna till att styrkortet har nått/når framgång är ledningens och medarbetarnas förtroende för det.

Keywords: ID-method, internet, security, digitzing, bank Background: The digitizing of our society continues to grow and more parts of our lives is spent on the internet. The banks are one of the institutions that is at the forefront of this development since they established themselves on a early basis. The banks meeting points have since this establishment moved from the regular bank office out on the internet. A problem that has occurred during this transfer is the possibility to positive ID a customer in a virtual world. It is essential to offer the customer methods to identify themselves that are both safe and easy to use.

Protracted social conflicts, as those in Cyprus and Northern Ireland, are based on deep rooted perceptions of identity and definitions of "the other". According to the theory of discursive conflict transformation, war is primarily a social phenomenon, which is legitimated by a discourse of identity defined in terms of exclusionist boundaries and structural ideas of the social relations in society. In order to develop positive peace, the discourse of violence has to be challenged and the discursive structures that enable war have to transform into a counterdiscourse of inclusion and individuality. For the purpose of making a critical peace analysis, I have, with the assistance of established conflict theories, analysed the basic ideas behind the the Annan Plan and the Belfast Agreement and thus been able to interpret to what extent they may foster positive peace. I argue, that in order to provide basic needs on a group basis, power sharing arrangement, based on ethnicity or religion, exacerbates division rather than ameliorating it.

This thesis was conducted at AB Fredr Wagner in Ösmo in Nynäshamn, Sweden.AB Fredr Wagner provides solutions for the graphic industry and has been asked by acustomer to develop a product that can simplify handling of EUR-pallets, namely amechanical arrangement, further called pallet exchanger that can switch from anempty pallet to a fully loaded one using only hand force.The goal with the thesis was to create design documents for a pallet exchanger, andalso from those documents to manufacture a prototype for testing and evaluation.A field trip was made to the customer, IKAB mailing in Huddinge, where the palletexchanger is thought to be placed. The purpose of this field trip was to get an insightinto the current work condition and need of change, as well as to gather informationregarding the requirements when it comes to size and robustness of the palletexchanger. Existing equipment on the market that can perform similar tasks werestudied in order to find an optimal solution for the actual pallet exchanger.After the field trip and gathering of information the concept generating phase began.The method used for generating concepts was brainstorming. To decide on whichconcept to use, a concept selection matrix was created. The selection criteriaincluded in the matrix came from the requirements for the pallet exchanger.

In the city of Kungälv, there are many important green areas without park lightning. This makes it unsafe to walk through the city's most attractive surroundings during many parts of the year. Partly in general and partly specifically for Kungälv, this paper shows that there are strong long-term arguments for making parks available by the use of lightning. This is not about lightening up the whole city, but finding the important green communication paths and parks. This paper also reflects upon how to lighten up these green communication paths and parks for best result. That is a question about creating good sight conditions ? safe and attractive parks which attracts people to use them. Offering a city's inhabitants good and attractive alternatives to using the car is an important task for city planers.

This essay focus on work related stress and psychosocial enviroment in working life. The purpose of this study is to present a detailed description of regulation of the the Occupational Safety and Health Act and investigate how well employees are being protected by the law.I will also explain with the help of statistic which employees that most often suffer from work related stress and the results is discussed from a gender perspective.Work related phycosocial health is a big issue in todays workplaces, and people who suffers from stress are supposed to be protecteded by the the Occupational Safety and Health Act, but is that really the truth? The Occupational Safety and Health Act is a frame law, meaning the law is general and needs binding regulations to define the rules, and there is no such act about work related stress at the moment. No employer has ever been convicted for work related stress. At the same time the Occupational Safety and Health Act explains that the employer has a responsibility to take arrangement to prevent mental illness in working life.It?s mostly women who suffer from work related stress.

Background: The regulation of banks is increasing in order to stabilize the financial market. Despite this increase in regulation, financial crises still continue to occur. The Basel Committee on Banking Supervision is gradually increasing the capital requirements for banks, yet the increase in capital requirements doesn?t seem to solve the problem. This raises the question: how does capital regulation affect banks? Purpose: The purpose of this study is, primarily to illustrate the effects that capital regulation has on risk and efficiency on banks within the European Union, but secondary also study the relationship between risk, efficiency and capital regulation.Method: To achieve the purpose of this study, a deductive approach has been used, where the problem is assumed to be due to an agency problem.

Today you can pay in many different ways. You can for instance use cash, credit cards, internet and now even with your mobile phone. Today we can also see new types of technical payment solutions being developed, such as Near Field Communication (NFC), mobile banking or through the use of QR-codes. We have today many different payment methods; therefore it?s interesting to see which payment method people prefer the most.

The purpose of this research has been to find out whether and how teachers stimulate and motivate well achievers in the elementary school to reach a higher level. To gather information I visited two different schools within the same county in Stockholm and on each school I met and interviewed with two teachers. The answers received from these interviews are presented in this study as my results. I found that the teachers feel that students that do well in the classroom many times work as role models for the other students. Often these students require extra material as they usually finish their workload ahead of others.

The main focus of this master?s thesis concerns the relation between subject representation, power and gender. Classification systems and subject heading lists are products of their cultural and social context and some subjects and disciplines are given a greater value than others. Our aim in this thesis is twofold; to discuss and critically analyse the prevailing gender norms that are expressed trough classification systems and subject heading lists and to examine how they manage to represent gender studies as a multidisciplinary subject in theory as well as in practice. We are also discussing the particular problems with the representation of multidisciplinary subjects in general.

The main goal with the master thesis has been to do a status evaluation of the chain machinery with its start chain and wire to secure the production on a short basis due to that a reconstruction is not planned at this time. An evaluation of the condition of the start chain and the rollers in the chain depository has been done. An offer has been requested for a new start chain and the evaluation of the start chains may be a basis for the decision taking. The production has been able to go on, although it has arisen some problems which have been difficult to find the causes for. There is no gathered ?picture? of the machinery status and a mapping of each machinery has been compiled of comprehensive logs.

During the spring of 2014, I have investigated the visual culture of Lolita as practiced in Sweden and Japan. My focus has been on the performative aspect of Lolita. By looking and participating in this colorful subculture, I have met people who are living the Lolita lifestyle on a daily basis as well as former Lolita practitioners. My main concern has been how does one use Lolita.I?ve tried to investigate if it is possible to look at Lolita as being more than just a clothing style.