Stock lending is primarily a professional activity. The supply of stocks in the lending market comes mainly from pension funds and insurance companies, while intermediaries provide valuable services by taking positions as borrowers as well as lenders. Borrowers use stock lending for various reasons. For instance, hedge funds usually borrow stocks to cover a short position. There has been a lot of controversy in the stock lending industry and the debate has mainly concerned its effects for the stock markets.

Stock lending is primarily a professional activity. The supply of stocks in the lending market comes mainly from pension funds and insurance companies, while intermediaries provide valuable services by taking positions as borrowers as well as lenders. Borrowers use stock lending for various reasons. For instance, hedge funds usually borrow stocks to cover a short position. There has been a lot of controversy in the stock lending industry and the debate has mainly concerned its effects for the stock markets.

The general consensus is that the gap between the Swedish variable mortgage rate and the repo rate has increased over the last years. Although the Riksbank in recent times has cut its base rate, many banks have chosen either to leave the interest rate on variable mortgages unchanged, or they did reduce it but by less points than the reduction in the repo rate. The linear relationship between the repo rate and the variable mortgage rate has changed over the last decade and the mortgage margins these days are relatively high. This can somewhat be explained by the new rules introduced in the bank sector requiring banks to increase liquidity and equity. Since mortgage loans play an important role in banks? lending business it is of interest to gain knowledge in whether a repo rate reduction latterly has generated a limited affect on the banks lending rates..

There have been significant changes in the agricultural sector during the past 20 years (Jordbruksverket, 2008). The development of today is towards deregulation and adaption to global market conditions. As farmers try to adapt to the changed and more competitive market conditions investments are often necessary (LRF Konsult et al, 2012). Loans to agriculture and forestry businesses have increased to record levels and debt has doubled over the past years. The financial turbulence of the past years has contributed to an increase of the meaningfulness and willingness of the banks to be able to understand and handle risks associated with agriculture and forestry (Breiding, 2010).

Since the financial crisis of 2007, the global financial market has been characterized by instability. At the same time the banks? lending rates and its link to the reporänta have been in the spotlight in various debates in the media. The government with Anders Borg leading the charge has criticized the banks for not lowering their lending rates when the reporänta has been lowered. The banks defend themselves by saying that the reporänta does not have a direct link to their lending rates anymore.

I conducted this examinasions work because I want to find out how loan to farmes are working and more specific towards younger farmers. What you have to think about before you go to the bank and what the banks are thinking about lending money to farmers. This work is based on an investment plan propasal for 20 000 laying hens on a farm in the Kalmar area. The investment plan propasals have two diffrent alternetives, one farm on 25 hectares and one on 50 hectares. I have chosen this becouse I wanted to study how the diffrent sizes of farms are changing the banks thoughts about lending money. These investment plan propasals have included four banks with questionnaire and deep interview.

Syfte: Syftet med undersökningen är att beskriva och analysera finansieringsformen P2P-utlåning, dess bildande och utveckling samt utvärdera hur den har fungerat för små- och nyföretagare.Problemformulering: Studien undersöker hur finansieringsformen person-till-person-utlåning via Internet uppstod. Vidare redogörs för utvecklingen på P2P-plattformen Lending Club sedan låneförmedlingens start 2007 fram till 2011. Slutligen undersöks vad som kännetecknar låntagarna på Lending Club som ansöker om lån till små och nya företag samt hur de presterat gällande deras återbetalningsförmåga.Teoretiskt ramverk: Studiens teoretiska ramverk utgörs av framförallt vetenskapliga artiklar vilka behandlar det finansiella gapet, informations-asymmetrier och kreditbedömning. Vidare återges en bakgrunds-teckning över studier gjorda kring social utlåning och P2P-utlåning.Slutsatser: Studien kommer fram till att P2P-utlåning via Internet har sitt ursprung i social utlåning och möjliggjorts genom bland annat teknologisk utveckling av kreditvärderings-verktyg. Lending Clubs utveckling har gått från mer av ett socialt nätverk till att idag likna mer en finansiell intermediär med kreditvärdiga låntagare och institutionella investerare.

The main purpose of our thesis is to discuss the subject e-books from a Swedish public library perspective. The aim of the thesis is to locate and analyse statistics in regards to lending electronic books in public libraries. With this background a text analyse have been done, which views different arguments about e-books. We have studied the current statistics about lending e-books to the public users, the statistic material was gathered from the two main providers of e-books, eLib and E-biblioteket. With this statistic report as a background, arguments from scientists, journalists and users of e-books have been studied.

This master thesis is a study of the Swedish Lending Centre for immigrant literature (ILC), which opened in 1991. The purpose of the thesis is to examine problems and possibilities in the organization of ILC, which has a number of powerful stakeholders. In this study focus has been on the development of the organization, and especially on the planning of the conversion of the non-public Lending Centre to a library open to public (to be called the International Library in Stockholm) that will be inaugurated in May 2000. ILC is governmentally financed, but incorporated in the organization of the public library in Stockholm. Other stakeholders, except the Swedish Government and Stockholm City, are the County of Stockholm, the staff of ILC, and the public libraries that use the Centre's long-distance-lending facilities.

This thesis has been written with the intention of investigating a commercial lending library to be found in Stockholm in the first decades of the nineteenth century. We chose this subject because it is a relatively unexplored area. Furthermore, we were curious to know what books could be found in the library. The lending library was run as a business thus giving a good indication of the contemporary reader's taste in literature. The lending library that we chose had a total of three thousand titles in those of its catalogues that have survived to the present day and was run by a woman called Eva Unander.

This essay aims to examine what subject positions are possible within the discourse of relationship anarchy. Through semi-structured interviews with four people who define themselves as relationship anarchists I've made a discourse analysis to determine how these relationship anarchists explain what, in the discourse they?re in, is described as an relationship anarchistic way of being, what isn?t and how they relate to this. Relationship anarchy is described as an ideology based on freedom. It is about the right to define their relationships as they like, as something constantly changing and that does not hold a specific value based on its label.

This essay aims to examine what subject positions are possible within the discourse of relationship anarchy. Through semi-structured interviews with four people who define themselves as relationship anarchists I've made a discourse analysis to determine how these relationship anarchists explain what, in the discourse they?re in, is described as an relationship anarchistic way of being, what isn?t and how they relate to this. Relationship anarchy is described as an ideology based on freedom. It is about the right to define their relationships as they like, as something constantly changing and that does not hold a specific value based on its label.

This study examined gray areas within professional ethics of a public library organization and investigated the relationship between the library as an organization and the librarian as an employee when it comes to support and opportunities to make exceptions to rules and regulations. This relationship is then related to workplace issues.Data were gathered via interviews with six librarians who were placed into two focus groups. Library organization documents that contain rules and regulations (guidelines) were examined. The presumption was that conformity between librarians? experiences and actions and the organization?s guidelines will tell us something about workplace conditions.

Imagine not being able to choose who you are going to be in an intimate relationship with. It used to be like that but the situation has changed - these days we have a lot of different options available to choose for ourselves how to live our lives. We have a lot of different ways to influence how we want to live our lives and with whom we want to share them with.The aim of this study was to examine how individuals feel about their relationship and why they choose to stay in a relationship with their current partner. How do individuals in a relationship feel about aspects including for example conflicts, communication and trust? Is Anthony Giddens theory about the pure relationship applicable on relationships today? To find the answers to these questions we made a quantitative study and used a questionnaire to collect empirical data.

The purpose of the present study was to get further knowledge about the relationship between transformative and transactional leadership in the context of employee ?s well-being, as well as the relationship between the components of respectively leadership and employee?s well-being. The study also aims to gain knowledge about previous research on the transformational and transactional leadership and employee well-being and if it?s applicable in the Swedish culture. The few studies that studied the relationship between transactional leadership and the well-being of employees have found a negative relationship or found no relationship at all.