Since the middle of the 1980´s the Swedish bank market has experienced a change concerning structure and pressure of competition. Before the year 1985, the market was characterized as a market with few operators but have changed to a market with many operators and seen as one of the most intense in Europe where the four major banks; Nordea, Handelsbanken, SEB and Föreningssparbanken together have a strong position. Their market share has recently decreased, mostly for the benefit of foreign banks and niche banks. The Swedish market has experienced difficulties in generating profits which mostly depends on new establishments that have increased the pressure on competition, a low growth as well as weakened customer relations. The development has resulted in a growing importance of market segmentation, mainly by the fact that costumers have become more disloyal as a result of the increased competition.Students are a market segment of interest for the financial market, mainly because of the expectations of their positive financial situation in the future.

Telefonen har blivit ett redskap för människor som söker kontakt med hälso- och sjukvården vilket har medfört krav på ökad tillgänglighet till den telefonrådgivning som ges vid hälsocentraler. Telefonrådgivning på hälsocentral utförs av distriktssköterskor och är en svår, viktig och ansvarsfull arbetsuppgift som dessutom kräver tålamod och flexibilitet. Telefonrådgivning medför ibland svåra prioriteringar för distriktssköterskan. Arbetsuppgiften upptar mera av distriktssköterskans arbetstid än tidigare. Syftet med studien var att få kunskap om hur distriktssköterskorna upplever telefonrådgivning som arbetsuppgift och hur de upplever att dokumentera i samband med telefonrådgivning.

Bakgrund: Att ge egenvårdsråd är en del av distriktssköterskans/sjuksköterskansomvårdnadsarbete i telefonrådgivning på vårdcentral. Att arbeta med telefonrådgivningupplevs självständigt och stimulerande men också svårt då DSK/SSK känner sigutlämnade pga. det ansvar och den kompetens som krävs. DSK/SSK stöter ibland påmotstånd när de förmedlar egenvårdsråd. Patienterna vill inte alltid ta emot råd som gesvilket kan utgöra en belastning för DSK/SSK.Syfte: Syftet med studien var att beskrivaDSK/SSK erfarenheter av motstånd mot egenvårdsråd i samband medtelefonrådgivning.Metod: Studien genomfördes som en kvalitativ intervjustudie.

This paper aims to study the Armenakis´ theory of readiness, "are they ready?", which consists of five key components affecting the outcome of an organizational change. In this case study, the intention is to investigate if any component is important; alternatively if it is possible to discern a pattern between components, i.e. how they correspond to each other. During the past 30 years have a research group lead by Armenakis has studied organizational change and how resistance to change can be avoided by preparing employees in the introductory phase of change. The main object for Armenakis is the question "what determines whether the employees (change recipients) adopt and support, or reject and resist a change".

The aim of this study is to describe how two wage-earners experience and value their work. I chose a descriptive reserch approach and I conducted a qualitative study in the form of two interviews. I have applied two well-known theories from the field of social psychology ? the individualisation and Sence Of Coherence (SOC) ? to enhance my arguments and to improve my comprehension in the subjekt. The study reveals that my informants feel good and get motivated as wage-earners. By waged labor they feel securcity, meaningfullness, confirmation and belonging, which makes salaried work high valued.

This study is based on a statistical analysis of fundamental key ratios on the Stockholm Stock Exchange during the period 2004-2012. In total 35 financial ratios of 90 companies were tested, ultimately five ratios remained within the 5% significance level. These ratios were ROA, P/B, Total Yield, EV/EBIT and Operating Margin. A custom made investment model was created based on the purpose to achieve a risk-adjusted excess return. The results in general did not show any significant difference in return between the model's portfolio and index.

The DuPont formula is one of the most well known and basic tools used for financial statement analysis and is highly useful for understanding firms strategies and operating environment. Previous studies on American listed companies have also shown that analysis of the changes in the DuPont components is useful in forecasting contexts. In this thesis we test whether disaggregating the change in return on net operating assets provides incremental information about future performance for Swedish listed and not listed companies. We find that the change in asset turnover is a leading indicator of increased profitability for both listed and private companies, regardless of size. We also find evidence that the usefulness of the disaggregation for understanding future performance is greater in capital intense industries and lesser in service industries..

This paper investigates the automatic stabilizer and the underlying factors behind its function. The paper includes both a literature review and an empirical analysis. The literature review discusses the IS-LM and Mundell-Fleming models and different ways to quantify the automatic stabilizer. Based on the theory, the relationship between volatility in GDP and the size of the automatic stabilizers is then analyzed with the help of regressions. Our main result shows a negative relation between these two variables.

The aim of this study was to examine which research had been done on dietary supplements for dogs suffering from osteoarthrosis. The main questions the author wanted answers to were ?Is there evidence in the research that dietary supplements for dogs with osteoarthritis have effect in such a way that quality of life is increased in these animals??, ?are there any contraindications regarding dietary supplements?, ?who is responsible for the control of safety on dietary supplements for dogs in Sweden? and ?what kind of advice would I give to dogowners about dietary supplements?. To be able to answer these questions the author conducted a literature study of the recent research on dietary supplements for OA in dogs. The results showed that despite the lack of research in this field, some promising research has been done on multiple different supplements.

This paper presents a study that evaluates the performance of stock recommendations issued on Swedish stocks during 2003. The selection of recommendations in this paper originates from banks, major brokerage firms and financial press located in Sweden. The total of 171 recommendations consisted of 99 buy recommendations and 72 sell recommendations. Forecast revisions presented in this paper suggest that Investment managers have no ability to predict performance winners, nor do their forecasts in general have any significant impact on stock prices. A mere 50 percent of the recommendations in this revision had a weak ability to outperform their benchmark indexes as in other similar revisions.

AbstractTitle:The Impact of Management Control Systems on the Purchaser Function - A study of Scania and Sandvik Authors: Mohammad Reza Akhbari and Johanna Sullivan Svensson Published: 2011 Keywords: Management control, purchasing function, impact, control, control instruments, Key Performance Indicators, measurement, communication and organizational structure. Background and problem formulation: In order for a company?s business idea or vision to be fulfilled, the management of a company needs assistance from various means to intentionally affect the operation in the desired direction. Management control concerns activities of both financial and non-financial character in order to implement the strategy of a company and to reach profitability. Since the purchaser function is responsible of spending 50 percent of a company?s total revenue, the function has an optimal starting point to be a key actor in the shaping and execution of a company?s strategic plan.

As a patient you can find a lot of information concerning health and diseaseson the Internet. Purpose: The purpose of my study is to gain a betterunderstanding of how physicians relate to well-informed patientsfrom the point of doctor's changing role in meeting the patient related to theweb-based patient information. Today's patients are turning increasingly tothe Internet before they visit their doctor, this is due to the electronic healthinformation is available 24 hours a day, 7 days a week while the regulardoctor usually have several weeks of waiting. Problems that can arise with theWeb-based information is that the patient does not have a medical educationto know whether the information is appropriate or not. Method: To explorethese questions, I decided to use both qualitative semi-structured postalquestionnaires and telephone interviews in which the physicians preferreddifferently.

It has been even more important in the forest sector in recent years to look at the whole chain from suppliers to end users, to improve operations and improve performance and the profits of the company. The research and development have been concentrated on the buyer?s market and product development, probably because this research has capability to give an increased cash flow. But to obtain stability and continuity in the production and selling units, the suppliers should also be investigated. The aim of this thesis is to study a one company's existing suppliers of roundwood and investigate the differences and attitudes they have about the company offerings.

Abstract Title: Enabling Smart Research and Development through Knowledge Conversation Seminar date: 2005-06-08 Course: Master thesis in business administration, 10 Swedish credits (15 ECTS) Authors: Andreas Johnsson, Johan Rosendahl Advisors: Lars Bengtsson Key words: Knowledge management, Knowledge conversation, Research and development, Ba, Trelleborg Purpose: The purpose of the thesis is to create a model that shows how knowledge management aimed at research and development processes can be used and how the theoretical fields can be connected. Methodology: The thesis is based on abductive perspective where empirical and theoretical material has been mixed to create a foundation for the analysis. Theoretical perspectives: Theories concerning knowledge management and research and development have primarily been used. These have been complemented with material about team structures and incentive systems. Empirical foundation: The empirical material is based on semi structured, mostly qualitative interviews and strictly quantitative inquiries performed at Industrial Hose within the Trelleborg group.

AbstractSince 1990, special needs educators have been working in both primary and junior school. It has not been easy for the special needs educators to take authority when working with broader educational issues due to the varying requirements placed upon them. The object of this study is to examine how certain primary and junior school teachers describe their expectations of special needs educators and their professional role.I have conducted individual interviews with three primary school teachers and three junior school teachers, who have at least five years experience of working within their respective fields. The interviews have been scrutinized, and the results are presented with the help of five different themes. The results were then analysed in accordance with the two perspectives of special needs education described by Persson (2001) those of both the relational and the categorical perspective.Amongst other things the results show that the view of primary and junior school teachers with regards to special needs educators differ one from another.