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This thesis investigates credit risk management in Nordic commercial banks and its effect on profitability. Two determinants of credit risk are chosen according to relevant literature, namely loan loss provision ratio and capital adequacy ratio. Thirteen banks in total are then investigated across the 16 year time frame from 2000-2015. The results seek to address two essential questions. Firstly,
Methodology: The method used is a single case study in a high tech company in Sweden, leader in network camera market. This work is a qualitative research, in which an inductive method and deductive analysis has been applied. Grounded-theory techniques have been used; eight semi-structured interviews were conducted-carefully and objectively selected following purposive sampling. Theoretical persp
Enligt en av tidernas utvecklingspsykolog Vygotskij är talspråket en av de viktigaste tillgångarna vi människor har. Det är så vi kommunicerar och interagera med varandra menar Vygotskij (Bråten, 1998). Vi pratar ofta om språkutveckling, men i denna uppsats kommer jag att fokusera på talspråksutvecklingen. I takt med att samhället förändras, så måste vi snabbt lära oss att interagera med varandra,
Denna studie bygger på en kvalitativ analys av hur svenska poliser skildrar sin yrkesroll i relation till den personliga identiteten, hur de ser på straff i Sverige i allmänhet, fängelsestraffets funktion och effektivitet i synnerhet. Syftet är att undersöka hur poliserna hanterar en eventuell motsättning mellan polisrollen och rollen som medmänniska samt att belysa huruvida tjänstemännen är tillf
Bakgrund: Hela familjen påverkas av den plötsliga och oväntade händelsen av att graviditeten avbryts och ett barn föds för tidigt. Föräldrarnas relation till barnet kan påverkas eftersom det blir en chockartad start på föräldraskapet. I denna chockartade situation försöker fäderna vara den starka i relationen. Många fäder kan uppleva stora krav eftersom det ska ge stöd till modern, oroa sig för ba
Innovation för ökad säkerhet inom ridsporten Ungefär 500 000 av Sveriges invånare rider regelbundet på olika nivåer. Att rida ensam är inte ovanligt och farhågan att ramla av hästen är alltid närvarande. Snart kan risken att bli ensam utan hjälp efter ett fall minskas drastiskt, med din egen mobiltelefon som enda verktyg.Horseback riding is enjoyed by millions of people worldwide, both as a competitive sport and as recreational activity. Horses have a congenital habit to flee from potential danger and the nature of the sport carries with it a risk of falling from the horse. Equestrians are often riding alone and the additional risk of being unaided after a severe fall accident is prominent. The need of a smartphon
Sociala medier har blivit en del av de flesta svenskars vardag, där Facebook står ut som det största sociala nätverket. Facebook används främst av yngre människor av vilka en klar majo- ritet använder Facebook dagligen. Facebook uppfattas som gratis, men i verkligheten betalar användarna med data som samlas in för att bland annat sälja vidare till tredje part. Har svenskar kunskap om hur deras
Från marken skickas växthusgaser ut i atmosfären - kan jordbruket påverka detta? Klimatförändringarna har flera orsaker. Den största är naturligtvis avbränningen av fossila bränslen, men även mikrober i marken producerar stora mängder koldioxid när de bryter ner organiskt material i jorden. Andra typer av bakterier i jorden bryter ner metan som också är en viktig växthusgas. Nedbrytning av metan Rhizosphere interactions have high influence on the fluxes of carbon to and from terrestrial ecosystems. One very important part of the rhizosphere interactions is the rhizosphere priming effect (RPE) which is defined as changes in the decomposition rate of soil organic matter (SOM) in response to labile organic carbon input from plant roots. Changes in decomposition of SOM affect nutrient availab
The requirement that taxable persons act in good faith first appeared in the Court of Justice’s case law in 1989. Given that there is an indisputable link between it and the rights to deduct input VAT, exempt intra-Community transactions and adjust improperly invoiced VAT, the requirement has potentially serious financial repercussions for taxable persons across the EU. However, exemplified by the
Environmental change has the potential to displace people all over the world, particularly those with high exposure to change and low adaptive capacities. In this context, migration is a response to individual and collective vulnerabilities, and thus represents an adaption strategy. Environmental migration can be triggered by environmental change directly, in the form of natural hazards, or indire
This thesis aims to analyse the effects on the Swedish economic growth as a result of growing carbon dioxide emissions during the period of 2017-2060. As being one of the Nordic countries, predicted to be one of the few least affected countries by global warming, Sweden will still most likely face the challenges of rising sea levels and more extreme weather events that will cause damages on infras
Scholarly books still play an important role in some scientific disciplines, mainly the humanities and some social sciences. Publication in open access format is still not a requirement when it comes to scholarly books in Sweden, but will likely be in the near future. Academic libraries often play an important role when it comes to supporting researchers in scholarly communication and it is likely
With as complex phenomenon as homelessness, collaboration is needed to provide multiple services that are necessary.The aim of this study was to analyse how service providers experience collaboration between municipalities and other service providers on the matter of homelessness in Iceland. Qualitative semi-structured interviews were conducted with eight service providers that work with the homel
This paper addresses a gap in the open innovation in the emerging countries. The main purpose was to describe the open innovation in Russian better and contribute to academic literature. The study researches the effect of foreign ownership on open innovation in Russia. The study aims to better describe how foreign owned organizations build their open innovation network in Russia. It uses qualitati
Projektformen som länge varit en utbredd verksamhetsform inom exempelvis byggindustrin har kommit att bli allt vanligare även i arbetet med sociala frågor. Resursteam Heder är ett ettårigt projekt som arbetar förebyggande mot hedersrelaterat våld och förtryck. Projektets syfte är både att vara ett metodstöd till yrkesverksamma som i sitt yrke möter ungdomar i en hederskontext samt att utgöra en fl
Purpose: The purpose of this study is to investigate what drives the tension between exploration and exploitation in a product development process (PDP) as well as trying to understand if and how it can be managed. Research questions: What drives the tension between exploration and exploitation in a product development process? How can the tension between exploration and exploitation be managed in
Alfdex is the market leader for high efficient solutions for removing particles from crankcase gases in diesel engines. Alfdex aims to expand to new markets by exploring the possibility to adapt their technology to clean the intake air of diesel engines. When designing and developing air cleaning systems, the two most critical parameters are the pressure drop and the cleaning efficiency. A Computa
On average, entrepreneurs have lower incomes than employed individuals, work longer hour, and endure more stress. In spite of the grim reality, research has consistently shown entrepreneurs are more satisfied with their lives than employees. Through interviews with three former employees who have all undergone a transition to entrepreneurship, this study brings an in-depth understanding of how a s
