Through certain exceptions in the Swedish regulation on credit agreements for consumers, a new form of instrument for credits has arisen on the national market. The instrument, which is most commonly known as easy credits and was first seen on the Swedish market for consumer credits in 2006, has developed to become part of a vast problem with excessive debt incursion. In order to counteract this development and to harmonise the internal market within the EU, directive 2008/48 EC on credit agreements for consumers was introduced in 2008. In Sweden, the implementation of the directive has led to a proposition for a new regulation on credit agreements for consumers (SFS 2009/10:242 Ny konsumentkreditlag) coming into effect on the 1 January 2011. The proposition puts up stricter rules on creditors granting consumer credits in their course of business, and revokes the former exemption on information and practices preliminary to the conclusion of the credit agreement for minor credits.

As the usage of loyalty programs increases, this study takes a new approach to examine how these programs influence consumers? attitudes toward brands. This paper is influenced by the recent findings that question the capability to create a clear picture of the effects of loyalty programs by conducting quantitative research. This is based of the differentiation between attitudes and actions, leading to the fact that quantitative research have only captured the actions of members of loyalty programs. In contrast to that, this paper uses qualitative interviews to create a more in-depth point of view.The paper immerses the reader in the theoretical viewings of what loyalty is and how it emerges from satisfaction.

Människor har alltid och kommer alltid att kontrollera varandra. En del av byggandet av god intern kontroll i företag har inneburit ökad reglering i form av ramverk och lagar i många länder, vilket har medfört högre krav på företags interna kontroll jämfört med tidigare. Ett ramverk som fått stor spridning och internationellt erkännande är COSO-ramverket Internal control ? Integrated Framework. Under de senaste decennierna har det växt fram ett behov hos revisionsföretag att internt utforma funktioner som kvalitetssäkrar de tjänster de säljer.

Background: The Swedish Financial Supervisory Authority?s mortgage limitation, of mortgaging up to 85 percent of the market value of the real estate was introduced on the first of October 2010. The aim of the recommendation is to prevent a detrimental development of the market for mortgages while at the same time creating incentives for the consumers to limit the debt level. The mortgage limitation is a recently adopted recommendation and few studies have made a thorough analysis of its effects, hence it is an interesting topic to study.Aim: The aim of this study is to analyze the initial effects of the mortgage limitation for consumers, banks and estate agencies. Furthermore, the study aims to evaluate drivers of consumer debt levels and conclude whether the mortgage limitation will result in lower debt levels for consumers.Completion: The study is based on interviews with respondents from banks and with respondents from estate agencies to enlighten the initial and long term effects of the mortgage limitation.

AbstractTitle: The ?Investigator? and the ?Updater? ? new patterns of news use among young adults.Number of pages: 48Author: Anna StrinnholmTutor: Amelie HössjerCourse: Media and Communications, D- levelPeriod: Fall of 2005University: Division of Media and Communication, Department of Information Science, Uppsala UniversityPurpose/Aim: The aim of this essay is to provide an description of how daily newspaper, TV, radio and the Internet are used by young adults in order to contribute to Lennar Weibulls model ?a typology of the Swedish mediasystem from an audience perspectiv?.Method/Material: The method of gathering of empirical material has been conducted by interviewing eight people of how they use daily newspapers, TV, radio and The internet to inform themselves of the daily news. The empirical material has then been analysed by applying a two step method, of first making a summary of the interviews and secondly making a comparison with a model of Lennart Weibull ?a typology of the Swedish mediasystem from an audience perspectiv? .Main results:Two different types of ideal media users can be drawn from the empirical research, the ?Investigator? and the ?Updater?. The updater search for news to stay updated and relies on the Internet as main source of information.

The authors study the effects of brand salience on how consumers form brand attitudes and how consumers value the importance of various brand attributes. The study was conducted through two separate tests, the one focusing on the link between brand salience and brand attitudes and the other focusing on the link between brand salience and evaluations of attribute importance. Both tests measured brand salience as the ease with which brands are recalled by respondents who have been cued with a specific product category. The results show that brand salience has direct effects on both brand attitudes and the evaluation of attribute importance. As brands are recalled, high brand salience for a brand creates a more positive attitude towards that brand in the mind of the consumer.

The purpose of this essay is to draw attention to a rather new phenomena, virtual bullying amongst young people. Bullying has been known for a long time but today, bullying has found new ways of expression. New technology, which includes the Internet and cell phones, has given the bullies new weapons to use in their bullying.The study I have done has been qualitative and contained interviews. Represents from two communities, Playahead and LunarStorm, and two organisations, BRIS and Friends, all together five persons (two persons from LunarStorm) have been interviewed and had the opportunity to tell me their view on virtual bullying.The results show that young people see the new technologies as a valuable prolongation of their reality that they won?t give up if they don?t need to.

ABSTRACT Author: Johan PetterssonTitle: Customer Loyalty in the Swedish men's elite football - a study with IF ElfsborgPurpose Increase understanding of how to increase customer loyalty when it comes to Swedish elite football. Method A qualitative study using semi-structured interviews for deeper access to the what the people I interviewed feel about the subject. The interviews are conducted with IF Elfsborgs club president Stefan Andreasson, Goran Lohne who works with media and events, and Eric Sjölin who are supportercontact. In addition to those I alsointerviewed the supporters club Guliganernas President Anders Hultin. Analysis and conclusion The first impression and attitude is very important when a person goes from a one-timebuyers into loyal customers. This is both the theories and the interviewees opinion. Through staff training and records of how the club would like the first impression and attitude to be the clubs can reach a good level of first impression. Suggestions for further researchTo carry out similar studies on additional clubs, other divisions and women's football and examine how a first impression and response should be.Keywords Consumer behavior, customer loyalty, sports, football and first impressions.

ABSTRACTTitle: ?Lifestyles come and go but your choices remain?? (?Livsstilar kommer och går, men valen består...?)Number of Pages: 42 (45 including enclosures)Author: Jenny RydqvistTutor: Göran SvenssonCourse: Media- and Communication Studies CPeriod: Autumn term 2007University: Division of Media and Communication, Department of Information Science, Uppsala UniversityPurpose/Aim: The aim of this essay is to make a study of how young adults between 19-25 years are influenced by commercials.Key Questions: How are students in Uppsala influenced by commercials? Do the commercials influence the consumptionbehaviour? Do the commercials influence the lifestyle? Do the influences of the commercial construct the individual lifestyle? In which extent is it social related?Material/Method: Together with literature studies, a qualitative method has been used with 5 interviews with young adults in the age of 19-25 in Uppsala. I have compared these five interviews with earlier results and research.Main Results: I have found out that these young adults don?t want to admit being influenced by commercials even if they know they are. These young adults have also formed consumptionbehaviour after the commercials, which they show in for example their way of shopping and their way of acting afterwards.

?Have the young members? of Save the Children Sweden got increased possibilities to influence the organization since the founding of the youth-organization?? The purpose with the thesis is to investigate if the founding of a youth-organization by Save the Children Sweden has led to increased possibility for the young members to influence the organization. I have two research assignments; change since the founding of a youth-organization? politically since the foundation of a youth-organization and how?Did the norms and values in the organizationand Did the organization change I have analyzed protocols from the general assembly between 1997 and 2008 and how the rules in the organization have changed over time. I have also interviewed four board members to get a more diversified view of how the board meetings proceed.

One of the most important goals of school is to teach children how to read and write. But there are also children with great problems in reading and writing/dyslexia at school. In the Swedish School Plan you can, for example, read that one of the school?s most important goals is to give these children with special needs the help that they need.This study will investigate how six young people with reading and writing problems/dyslexia experienced the first nine years at school. There has been very little research regarding students´ experiences of having reading and writing problems/dyslexia early in school, which is strange because school is a place where children spend most of their time.

The urban physical practice of parkour can be described as male dominated. In thispaper, however, I choose to focus on women participating in the sport. My materialconsist of interviews with five Swedish women who regularly perform parkour.Through the phenomenology of Simone de Beauvoir, Iris Marion Young and SaraAhmed, I analyze the women?s relationship to the body and (public) space. Myconclusion is that engaging in parkour has changed the way the women understandtheir own corporeality, from an ?I cannot? to an ?I can?.

The purpose of this study was to investigate the relationship between locus of control and behavior in a work group. The investigation was performed using two methods, self-report and observation, which were used in order to provide a description of how the individuals experienced their own behavior in a group context as well as of how they actually could be observed to behave. The 31 participants were divided into five groups. During the procedure each group received a task, which was to be discussed and solved by the group members together. Observations were carried out using IPA.

The aim of this Master?s thesis is to examine the librarians? perception of the users of children?s and young people?s literature. Questions posed in this study are: How are the librarians described according to appearance, personality and interaction with the users? How are the librarians described compared to former studies on the subject? Which perception can be seen, based on Douglas Rabers?s theory which describes the role the public libraries can take in the society? The study is based on content analysis. We have examined 15 descriptions of librarians in both picture books and literature for young adults, published between 1985 and 2006.

Accounting firms operate in environments with high competition for graduates and students today expect employers to be present on Facebook and the like. We aim to describe whether two major accounting firms use social media in their graduate recruitment. We chose to do case studies of Grant Thornton and Ernst & Young and how they use social media channels aimed towards graduates. Through a through study of how the two companies communicated through various social media, we concluded that Grant Thornton was significantly better than their larger competitor at social media use. Both companies use Facebook as their main communication channel.