The last years? financial situation has contributed to an increased willingness from the banks to handle risks. The most important risk to cope with is a risk that is related to a customer?s ability to repay loans. Forecasts indicate that in the future, Swedish farmers will be facing profitability challenges, which points to a need to reconsider the banks procedures considering risk management in credit granting for agricultural businesses.Today?s risk management will be given two complements in this study.

Abstract Over the years the consciousness of risk has grown. It?s hard to influence risks, therefore there are guidelines stating that significant risk must be included in the annual report. This paper is a case study; the purpose was to examine how four Swedish listed companies chose to disclose their internal and external risks. Risk is initially described in general sense and then it figures to what constitutes an economic risk.Through a case study of four Swedish listed companies? annual reports we have, through qualitative methods found how the companies chose to disclosure their risks.

This study analyzes how civil society contributes to the democratic development in a Nicaragua governed by the sandinist party FSLN. The empirical focus lays at the relationship between state and the civil society. By using a conceptual framework outlined by Caroline Boussard, the civil society is being analyzed as an actor with a democracy-building potential that is supported or constrained by a political context.The civil society is divided between traditional social movement and more newly borned NGOs. Social movements tend to approach the government comparatively to NGOs, which adopt a highly critical attitude. In contrast to NGOs, the traditional social movements are improving their democratic functions as a counterpart while NGOs confine its democratic potential to an agenda setter drawing attention to democratic deficits.

Det här examensarbetet har sin utgångspunkt i elevernas intresse av att spela onlinespelet Word of Warcraft (WoW) vilket har lett fram till en undersökning om spelets eventuella påverkan på elevernas färdigheter i engelska, och hur den i så fall ser ut. Eftersom spelet inte finns på svenska är de flesta spelarna beroende av sina färdigheter i engelska för att kunna förstå och göra sig förstådd i spelet. Arbetet utgår från tre huvudfrågeställningar:1. Finns det ett samband mellan elevernas resultat i engelska och deras spelande av World of Warcraft? Om det finns ett samband, hur kan det beskrivas?2.

En undersökning av vinnarbilderna i World Press Photo of the Year mellan 1999-2008. World Press Photo är världens största fototävling och är prestigefylld att vinna för pressfotografer. Syftet var att undersöka vad de senaste årens bildjournalistik förmedlar till sina betraktare genom nyhetsbilderna som vunnit World Press Photo of the Year under 2000-talet. Syftet har förgrenat sig i frågeställningarna:Vilka teman har vinnarbilderna i World Press Photo of the Year mellan 1999-2008?Vad förmedlar innehållet i bilderna?Vad finns det för likheter och skillnader mellan bilderna?Studien är en kvalitativ undersökning där vi gjort bildanalyser av vinnarbilderna i World Press Photo of the Year mellan 1999-2008.

The media society of today is changing. Because of a media convergence, traditional media distributers like television, radio and newspapers have to rethink their place and their purpose in the world. This paper brings a new angle to this area of research, conveying how creativity, workflow and media convergence is related to each other. A deeper understanding of these relationships gives us a clue about how media convergence can change the practice of TV- production. In this paper, a case study at Go?kväll in SVT is presented.

The object with this bachelor thesis is to illustrate if equality is present during the interaction between female and male players in the World of Warcraft with focus on the female players conception. The main question is: How does gender matter in the interaction between female and male players in WoW? This question is particularly interesting because WoW is in its own construction neutral in regards to gender in the aspect that gender does not hinder or benefit your avatar when it comes to the avatars development or possibilities. This bachelor thesis describes the views three of female WoW players and how they perceive the interaction with male players with focus on equality. The informants? personal thoughts and experiences are described.

Bakgrund: Alla företag utsätts för risk i någon grad. Ett exempel är flygbranschen, vars intäkter kan minska betydligt om kunderna inte längre vill besöka ett resemål pga. att det skett något obehagligt i området. Om företag, i sina årsredovisningar, inte informerar om vilka risker de utsätts för, blir investerarnas prognoser av framtida kassaflöden osäkra. Investerarna kommer då att kräva en högre riskpremie, vilket förstås är negativt för företaget.

The aim of this essay is to study how cultures are presented in English textbooks for A-level students in Sweden. The aim is divided into three research questions, what does culture in English teaching mean, how is the English-speaking world presented in the textbooks and is the image that is presented stereotyped or does it try to challenge it? The study comprises of four textbooks from 1998-2008. The theoretical frame used in the essay is Edward Said?s Orientalism.

BackgroundThe lifeworld describes the experience of being a humanbeing, how we experience life and how we live our lifes. When a disease, such as depression occurs, the whole lifeworld can be filled with suffering. Depression is an affective disease, which means it involves the emotions. The patient gets dejected and the emotional devotion abates. Broken sleep, anxiety, pain, concentrations difficulties, fatigue and reduced appetite is some of the symptoms.

Stress and time pressure is more present in todays labor markets. In financial markets a securities broker is forced to take decisions on investments under high cognitive load and under extreme time pressure. The research of decision under risk gained new ground with the development of the prospect theory and gave us new insights to the decision making of men. Prospect theory has shown that people are risk seekers when dealing with loss decisions and risk avert when dealing with profit decisions. The value function are defined over gains and losses.

In the 1940s, 50s and 60s the two youth movements of the beats and the hippies emerged in the United States. Disagreeing with the progressive positivism of the previous generations these youths were part of a counter culture that adhered to an ideal of living in the present.Alan Wilson Watts (1915?1973), most known for his popularization of eastern philosophy and religion in general and Zen-Buddhism in particular, became one of the most influential and well-read advocates of the new movements. Drawing upon eastern philosophy and religion as well as modern psychology, Watts challenged the western world view by rejecting the dualism of self and environment, arguing that man is one with God and nature and claiming that nothing exists but the present experience here and now.Based on Watts? view of man and reality, and in the context of the emerging youth movements, this study examines Watts? criticism of western culture and society as well as his view on happiness and the possibility of a better life for the individual living in the west.The study shows that, according to Watts, the root of the problem facing western society lies in man?s incapability of distinguishing concept from reality, preferring abstract ideas and symbols to the experience present in everyday life.

Cities have always been founded on nodes of different roads.The city Harnosand was founded where the road along the coast of north Sweden meets the sea and the calm bay of Nattviken behind the island of Harnon. Harnosand has a big historic heritage as one of the first cities in the north part of Sweden, centre of the church and education city. The incrising centralisation of Sweden and the globalication of the world have made north of Sweden to the backside of Sweden.The coun- tryside and the smaller cities don ?t live anymore. In Harnosand is big moving out and many empty spaces. In the middle of Harnosand next to Nattviken, is one of these empty spaces. This empty space next to the road of E4, that leads out in the world and Europa.

This essay is an analysis of how Swedish sixth form students interpret ?a good society?,an expression which is part of the main content of Religion1, the mandatory course inreligious studies. It is based on a a survey asking 198 students to define and reflect onwhat a good society might look like. A hermeneutic method has been used to analysetheir answers in relation to regulations and research.The conclusion is that although most students show themselves able to reflect on whata good society might be, their ability to use ethical theory and concepts required by thecourse?s grading criteria is limited.

This study examines the theories about intervention and sovereignty in relation to the world of today, with the raising question about humanitarian intervention in a globalized society.The purpose of this paper is to examine if intervention can be justified in a sovereign state and how it can be justified. The expected outcome is that conclusion can be drawn from the specific case with United Nations intervention in Bosnia and Hercegovina, and what kind of motives they putted up to justify their intervention.Because we are still living in the era of the Westphalia system with the inherited thoughts of state sovereignty, but in conflict with the new ideas of globalization and human rights, it?s of big relevance to look at this topic closer.First of all the reader is presented to the theoretical aspects of state, sovereignty and different kinds of intervention, to become more aware of the complications surrounding the relationship between these conceptions.The method used in this study is a motive analysis with the focus on the motives told by United Nation, to be the reason for the intervention in Bosnia and Hercegovina. The empirical results are based on the reports from United Nations Security Council during the years 1991 ? 1995.The results are that the intervention in Bosnia and Hercegovina can be justified when looking at the theories in relation to the empirical result, with the FN ? charter and the fact of violation against humanitarian law and human rights.One conclusion can easily be drawn, that individual rights are playing a big role in today?s global society and are putting some pressure on the United Nation to look over the rules about humanitarian intervention..