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.

This thesis deals with the concept of how price affects demand for a good by estimating various price elasticities of demand for snu sold in Sweden. Information was gathered on price development for snus and cigarettes as well as sales data from Swedish Match, the largest supplier of snus in Sweden. Income-, price- and cross-price elasticities were estimated based on log-log regression. Results show that snus is an inelastic good since the coefficient for price of snus was -0.536. This proved that a 1% increase in price causes a 0.536% decrease in quantity demanded.

In this project we have explored digital tools for service management on the bicycle paths of Malmö. This was done through the participation of citizens in order to attempt to discern how such interactions can be eased using a mobile app, as well as how this app can be designed in order to appear trustworthy with user friendly interactions. We have explored this field by using goal-oriented design through interviews, prototyping and user tests. We have created a digital prototype as a possible solution for how the interactions can be done. Throughout the process interviews were held and user tests with selected members of the user group. To explore the concepts we have used paper prototypes in order to establish the design and then defining the interactions with the help of a digital prototype. Finally we have concluded that a general app for bikers in the city would be functional and that a longer study in the effects of such an app would be interesting as a continuation of this work..

The aim of this study was to, on the basis of normalization and autonomy; investigate how staff working in group homes discusses about sexuality of people with an intellectual disability. Our study was based on ten semi-structured interviews of both care staff and heads of group homes to get responses from different levels within the same organization. The empirical material was analyzed through the theory of social constructivism, which focuses on how we construct the world through interaction and language, and the normalization principle whose goal is that all people with developmental disabilities should have the opportunity to live like all other people. We view these theories as useful to gain understanding of the questions in our study. The result of this study showed that the subject only comes up for discussion when problems arise, that the communication on the subject is inadequate and more discussion is requested.

A successful acquisition is based upon good preparations before the integration process..

Political realism is a general theory within political science focusing on the principle interest defined as power. The theory?s mutual standpoint is that states are inspired by power politics meaning that military and economic power or security stands in the centre while moral and ethics are placed in the periphery. This essay?s purpose is to analyze realism which helps to understand the development and change of the perspective.

Boulognerskogen is a park in the central of Skövde that have had a health resort, paths for strolling, outdoor-bath, outdoor-sport areas and events. During the 1970:th there was a lack of interest for the park and very few visited it. By a motion from a resident in Skövde wich proposes that a city playground will be build in Boulognerskogen gave me an opportunity to investigate how the potential of the park can be used to create a funny and nice place to visit for children in company with adults. By a program that contains the main goals and design program for a city playground in Boulognerskogen, I wanted to present a proposal that could meet childrens needs to play and to use the conditions of the place to create places to play in, and where children in company with adults could be together. To reach this, I wanted to try different methods that could lead to a proposal that was well supported by children and adults, and wich was possible to use by the local authority in their further actions. The methods that I used was therefor an important part of the work. I have choosen to define the concept "city playground" as a greater playground situated in the center of the town that are suitable for outings and as a meetingplace, with a varation in playground attractions and promote children and adults to be together, aiming at younger children in the ages of 1-10 years in company with adults, but should also give space to activities of other groups.

The purpose of this paper is to investigate how social workers, working in a management position in the health care system, perceive the encounter of the medical and social perspective. With seven qualitative interviews, the study tries to conclude whether or not social workers are accepted at managerial positions within the health care sector. The social worker is, as a manager in health care, a leader but at the same time in a professional alienation from the medical caregivers. Organizations in the health care sector are often multi professional and have their own long standing tradition, history and culture. The results show that the conditions for social workers, working in a management position in health care appear to be agreeable.

Deep litter is a system for animals kept in separate stalls, loafing and bedding in wind shelters. The litter can consist of different bedding, like straw and peat. The system is allowed to build over and to ensure optimal proportions it is necessary to add new straw regularly and to have good conditions. Important conditions are aerobic state, humidity, amount of organic substance and acceptable temperatures in the litter. The micro organisms are depending on temperature for their living conditions and to get the bottom layer in the litter to start burning.

Today?s society is very focused around technology and something that is very popular is the usage of mobile devices such as Smartphones or Tablet computers. One of the reasons why these devices are so popular, is because of the large amounts of services or ?apps? that they can provide for the user. They can do a lot of things that makes everyday living easier for the users.The focus of this study is to find out what kinds of mobile services the users of these devices are expecting and/or wishes to see in the future and what is required to be able to develop and use these services in a good way.We started of the study by searching for earlier studies on the same or similar subjects.

In this modern period, societal and religious groups are strongly divided regarding the acceptability of abortion. Despite so many attempts by various groups to find a middle ground, the debate on abortion still remains largely polarized, at its most dramatic point with the extreme conservatives claiming abortion to be the moral equivalent of murder and the extreme liberals see it as devoid of moral import. And this polarization is due to the legal battle that continues to shadow moral discussions. An acceptance of an ethical nuance will here play as a concession on the deeply contested question of whether abortion should be a legally protected option for a woman, and to an extent blame for the continued crudeness which can be laid at the doorstep of a moral theory itself. Apparently, the ethical literature on abortion has focused almost exclusively on the tiniest moral assessment on whether and when abortion is morally permissible.

Growing old should be the golden years of your life, being able to do whatever you want to do. Instead these years are often combined with both physical and psychological illness. Neither the body or mind are what they once were. It has been shown through empirical studies that many elderly people don?t have any social support at all.

Growing old should be the golden years of your life, being able to do whatever you want to do. Instead these years are often combined with both physical and psychological illness. Neither the body or mind are what they once were. It has been shown through empirical studies that many elderly people don?t have any social support at all.

The gathered texts and letters from Ali Ibn Abi Talib, found in the book Nahjul Balagha,constitute one of the most important writings of Shiite Islam, next the hadits and the Quran.Imam Ali´s ethics and moral approach in Nahjul Balagha, is considered by imam Ali, to beseen as a guideline for both individual purposes as for any kind of governance. The esotericteachings, about truth and justice in Nahjul Balagha, should therefore probably have been of agreat concern to Ayatollah Khomeini and the Islamic revolution.This essay will from an deductive approach, on a relatively contemporary historic event, try toanalyze Ayatollah Ruhollah Khomeini´s interpreting on imam Ali´s texts and preaching inNahjul Balagha. The Islamic revolution, as the Islamic Republic of Iran, led by AyatollahKhomeini, was confirmed as both brutal and violent. My ambition in this essay, will there forconcern a possible interpreting on justice and political rule, from Ayatollah Khomeini and theIslamic Republic of Iran, on imam Ali´s teachings in Nahjul Balagha..

Background: Do our elder starve? A good nutrition state gives a good health and comfort. The research displays that is it exists shortages in energy and nutrition needs for the older. Aim: The aim with this study was to elucidate the mealorder and the mealsituation for the elder and how the nurse handles this. Method: This litterateur review was based on teri research studies.