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Införandet av en europeisk hypotekslånemarknad och den fria rörligheten av kapital inom EU

Europeiska unionen har länge arbetat för att uppnå fri rörlighet på den inre marknaden. På de flesta områden har arbetet nått långt men det finns undantag. Hypotekslånemarknaden inom EU är, trots betydande ekonomisk storlek, inte harmoniserad och ett flertal hinder mot den fria rörligheten av kapital existerar. Fokus i uppsatsen ligger framförallt på harmonisering och införande av en europeisk hThe European Union has long worked to achieve free movement within the internal market. In most areas, work has come a long way but there are exceptions. The mortgage market in the EU, despite significant economic size, is not harmonized, and a number of obstacles to achieve free movement of capital exist. The focus of the essay is primarily on the harmonization and implementation of a European

Rating Changes - Can they be predicted with the Merton model?

Purpose: The purpose of the thesis was to investigate if the Merton model had any predictive power of changes in Moody’s credit ratings and if there was a difference in the predictability between upgrades and downgrades. This was done in an effort to either support or dismiss the opinion that credit ratings are lagging. Methodology: The distance-to-default (DD) was calculated with the Merton mode

Shouting in the Dark? The Arab Spring as an Expression of Social Anomie in the Bahraini context

In the beginning of 2012, on the 25th of January, Egyptians celebrated the first anniversary of Egyptian Revolution, while Bahrain’s anniversary of the February 14 Revolution was marked by violent protest demanding social, political and economic reforms and an end to discriminating policies. Even though one year passed since these revolutionary movements spread from Tunisia all over the Arab world

Nöje eller Omsorg? En studie av den kvinnliga identiteten i foodievärlden

Studien skärskådar hur den kvinnliga foodieidentiteten ser ut och tillåts utformas. Genom att undersöka foodiekulturen utifrån ett genusperspektiv ämnar vi vinna djupare insikter i kvinnliga foodies konsumtionsmönster samt beröra huruvida dessa konsumerar på liknande sätt som den manliga motsvarigheten. Med stöd från tidigare forskning söker vi därigenom visa på implikationer för genus- och konsumThe study examines the construction of the female foodie and how female foodies are allowed to create their foodie identities. By examining foodie culture from a gender perspective, we intend to find a deeper understanding of female foodies’ consumption patterns, and if they consume in a similar way as male foodies. With support from previous research, we aim to show the implications for gender an

Synlighet skapar möjligheter - En kvalitativ studie om personligt varumärkesbyggande i bloggar

Bloggar som uttryckskanal har under de senaste åren blivit allt mer populära. Vad som vidare blivit tydligt är den bristande forskning om såväl bloggen som kommunikationskanal samt personligt varumärkesbyggande. I denna uppsats har vi studerat hur personligt varumärkesbyggande kommer till uttryck i personliga bloggar. Vi har genomfört kvalitativa intervjuer med såväl personliga bloggare som områdeBlogs as channel for expression has in recent years become increasingly popular. What is also becoming clear is the lack of research on both the blog as a communication channel, and personal branding. In this paper we have studied how personal branding is reflected in personal blogs. We conducted qualitative interviews with both personal bloggers and area skilled authors and consultants in order t

Rituella platser i arkeologi och text

There is a large interest in pre-Christian religion and ritual places in many disciplines; history of religions and archeology among others. These two disciplines have for a long time worked on different terms with the studies on this subject. Scholars of religion have used written sources from the Medieval Times to interpret the ritual sites and actions from pre-Christian times while archaeologis

Styrkebaserat ledarskap i Handelsbanken - följarnas upplevelser i den svenska kontorsrörelsen

Sammanfattning Uppsatsens titel: Styrkebaserat ledarskap i Handelsbanken – följarnas upplevelser i den svenska kontorsrörelsen. Slutseminariedatum: 1 juni 2012, Lunds Universitet. Ämne/kurs: Magisteruppsats, 30 hp (ECTS) i Företagsekonomi, FEKN90. Inriktning: Organisation och ledarskap/Organization and Change Management. Författare: Martin Björgell Handledare: Tony Huzzard Fem nyckelord: fölAbstract Title: Strength-based leadership in Handelsbanken – the follower’s perspectives in the Swedish branch operations. Seminar date: 1st of June, 2012. Lund University, Sweden. Course: Master thesis in business administration, 30 University Credit Points (ECTS). Field of master studies: Organization and Change Management. Author: Martin Björgell Advisor: Tony Huzzard Five key words: foll

Dissolved methane dynamics in a subarctic peatland

The dissolved methane (CH₄) dynamics in pore water and nearby stream water were investigated in a subarctic peatland in West Greenland during summer and autumn in 2011. A pore water sampling method was used to collect samples at four depths (5-, 15-, 25- and 35-cm depth) in the fen site. Stream water samples were collected from 13 plots around the study site. The results from the field sampling in

Målstyrningssystem som konfliktskapare - En studie om hur chefer och medarbetare uppfattar och motiveras av målstyrningssystem på en bank

Uppsatsens titel: Målstyrningssystem som konfliktskapare - En studie om hur chefer och medarbetare uppfattar och motiveras av målstyrningssystem på en bank. Seminariedatum: 1 juni 2012. Ämne/kurs: Magisteruppsats, 30 hp, i företagsekonomi, med fördjupning i organisation. Författare: Victoria Barta och Sanna Persson Handledare: Jens Rennstam Fem nyckelord: Målstyrning, motivation, bank, konfliTitle: Goal-setting systems as a creator of conflicts - How managers and employees apprehend and are motivated by goal-setting systems. Seminar date: 1st June 2012. Course: Master thesis in business administration, 30 University Credit Points (30 ECTS). Authors: Victoria Barta and Sanna Persson Advisor/s: Jens Rennstam Five key words: Goal-setting theory, motivation, bank, conflicts, perceptio

Potential savings by optimized material flow at Tetra Pak Packaging Materials AB – A study of optimizing Automated Guided Vehicle routes

Background: Optimized and improved logistics along with continuous improvements of efficiency are two main goals with Tetra Pak Packaging Material in Lund. An insufficient material flow conducted by Automated Guided Vehicles at the production site, combined with a desire to restructure the production logistics through a transformation in warehouse location has been an aim for the company. With a d

Coils/material optimering för pressade artiklar VLU

Problem discussion - Volvo trucks belive that their high number of coilsvariants is one of the reasons they have high costs for inventory and suffer from lack of space. Slitting is the first manufacturing process for some of the steel coils. It means dividing the coils into a number of narrower rolls. Scrap occurs in the slittingprocess and Volvo trucks would like to reduce the amount of scrap. Th

Quality performance and cost analysis within customized production - Two case studies from the worktop industry

Purpose The purpose is to increase the IKEA knowledge regarding production of custom made worktops at two German suppliers, providing an action plan for the suppliers of how to increase product quality as well as calculating the potential cost savings and the product cost structure. Methodology The project is performed as two case studies, where both qualitative and quantitative data has been obta

Stulet kulturav? En studie kring repatriering av mänskliga kvarlevor och kulturföremål

Recent discussions about a stolen cultural heritage have resulted in several repatriation claims from indigenous people. These claims are often considered a way to disengage from a coloni-al past. There are numerous conventions and ethical guidelines about repatriation to consider; nevertheless repatriation cases are being handled in different ways across the globe. In 2004 the Jewish congregation

Helsingborgs framväxt - Den tidiga urbana utvecklingen av staden och dess område

This paper is about the city of Helsingborg, which lies in the north-western part of Skåne, and has roots from the early middle ages. The paper discusses how and why the city grew. In the Helsingborg area there were during the Iron Age and Viking age already places that could have been the central places. The question is why the town grew up just where it did at the coast and not at the central pl

Fuel Flexible Prediction Model for T100 Gas Turbine

To be able to predict the behaviour of the things around us is valuable asset, whether it is the stock prices or the train arrival, a chance to know before it is happening is always beneficial. The computer has taken the prediction of behaviour to a higher level. From reading tea leaves in a cup, to really look into large amounts of data and with previous answers find a good approximation to what