Since banks provide various forms of credit, they consequently expose the business as well as society to risks. Therefore, global banking regulations exist to ensure that banks keep enough capital for the risks they are taking. One such risk is name credit concentration risk, arising when exposures in a portfolio have a skew distribution across different counterparties. Regarding the treatment of

This thesis picks up the journey from my Bachelor’s thesis where it was concluded that current legal protection of the Intellectual Property (IP) for “computer programs” and associated components is fractured and contains gaps that provides for legal uncertainty for the author/creator/inventor. The BSc thesis’ analysis covered IP protection provided through international treaties, statutory law an

Mobility constitutes an important aspect in order to create quality of life, where a well working public transportation can decrease the level of stress and create more “flow” in the everyday life (Atkins 2009). However, not all individuals have the mobility prerequisites; for people with disabilities, the preconditions of movement are limited. The purpose of this thesis is to examine the accessi

This paper discusses the relationship between the Mouridiyya order and the Jamatou Ibadou Rahmane Association- two significant and quite different Muslim organizations in Senegal. This case is illuminated in order to help explain why supposedly opposed groups entertain peaceful relationships. The data analyzed derives from nine interviews conducted between January 2014 and March 2014, in Dakar, Se

Våld mot sjuksköterskor är ett globalt fenomen som ökar för varje år. Syftet med föreliggande studie är att belysa sjuksköterskors upplevelser av att utsättas för någon typ av våld på arbetsplatsen. Åtta vetenskapliga artiklar, två kvalitativa och sex kvantitativa, ligger till grund för föreliggande litteraturstudie. Resultatet belyser fyra huvudteman; Psykisk och emotionell påverkan av våldet, fy

Policy makers and national football associations often emphasize potential benefits of mega-events like the FIFA World Cup or UEFA EURO on tourism (or the economy in general), but empirical studies show no support for this. The effects on tourism, especially of the EUROs, are not well documented in the academic community and it is the purpose of this paper to provide some empirical evidence of the

The credit is a financial service which holds a vital role to the transactions between the financial and non-financial enterprises with their customers. The goal of credit is to aid the legal and physical persons to successfully face and thus to overcome their difficult economical situations. Due to the fact that the VAT exemption status of granting, negotiation and management of credit causes neg

This report is based on a fire safety evaluation of Häradsgårdens retirement home and presents the method during the work and the result. The report is a part of the Fire Safety Engineer program at Lund University and written by students. The main focus during the evaluation was to look at the personal safety during a fire in the building and just a small concern was taken to economic aspects. The

In Sweden, there is a great demand for construction. At the same time, construction companies must increase their profitability. This requires the development of systems for improved communication and interaction. Especially now when the industry is facing massive retirements, there is a risk that knowledge will be lost. To ensure quality the companies also need to involve their employees so they

The caste system and gender are two factors that have been affecting what education a person is able to get and what possibilities a person has in regards to the labour market in India. Scheduled Castes (SC), Scheduled Tribes (ST) and Other Backward Classes (OBC) are three groups that have been marginalised in the Indian society. The aim of this case study is to attain an understanding of how SC/S

DynahMat is an ongoing project at the Packaging Logistics department at Lund University, which aims to reduce food waste by establishing the true quality and shelf life of chilled goods through a dynamic shelf life prediction (DSLP) service. The idea behind the service is, throughout the entire supply chain, to measure temperature and microbial growth using sensors attached to the package. The inf

In June 2013 the Commission published its consultation paper “Towards more effective EU merger control” whereby the Commission was seeking to i) extend the scope of the EU merger control to the acquisition of non-controlling minority shareholdings and ii) reform the referral system. The paper proposed several options on how to successfully achieve the set objectives without creating undue burdens

I Sverige beskattas ägare till fåmansföretag enligt särskilda fåmansföretagsregler. Huvudsakligt syfte med dessa särskilda regler är att undvika en skattemässig inkomstomvandling. Eftersom delägaren i ett fåmansföretag har ett stort inflytande över företaget och dess likvida medel finns det möjligheter till att ta ut arbetsinkomst som utdelning istället för lön. Att flytta inkomst från den progres

Nighttime satellite photographs of Earth reveal the location of lighting and provide a unique and highly accurate view of human settlement, density and distribution. Nighttime lights have been shown to correlate with economic development and population worldwide. Little research has been done on the link between nighttime lights and population change over time. This link is explored here for Europ

This Master Thesis successfully explains the difference in probability of default implied by Credit Default Swaps, traded by the market, and the benchmark Moody’s EDFTM. The difference is explained by the market price of risk, related to the Girsanov kernel, allowing us to transform the risk neutral measure Q to the physical measure P. This market price of risk is modeled with a log-linear multiva

The purpose of this thesis is to determine whether or not focused funds can outperform bigger and more diversified funds, both in mean return and in its relation to risk taking. The data used in this thesis consist of 67 Swedish mutual funds, one benchmark index and 129 stocks. All data is from the period 2007-2011. The fund data is retrieved from FactSet, the benchmark index from SIX-Telekurs an

This thesis is a mapping of the European Commission's multilingualism policy, as it is manifested in five official documents. The purpose is to investigate whether the policy is working according to the vision and multilingualism policy of the Commission. In other words are the EU citizens learning more languages according to the policy? A narrative analysis with strong influence from content

In the wake of 2008 financial crisis there has been growing interest in issues related to macroprudential policy and the coordinated attempt to ensure financial stability as a whole. The main objective of the paper is to provide a combination of both theoretical and empirical analysis of the effectiveness of macroprudential policy, implemented in Brazilian economy in 2010. Based on an existing met

Our main finding was that creativity could be understood as a symbolic. The perceptions of creativity can be contagious, when the routinized worker associates him or herself with the creative outcome of the team. For the employee the symbolic meaning might also work as a distraction from alienation and provide more meaning to performing routinized tasks. We also saw how routines can be perceived e

A critical stage for the construction of steel-concrete composite bridges occurs during casting of the bridge deck, when the wet concrete has still not hardened. The entire construction load is then taken by the non-composite steel sections. Bracing may be needed to make the slender girders rigid enough to resist lateral torsional buckling during this phase. If temporary formwork could be attached