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Abstract The amortization requirement stipulates that all new mortgages will be amortized in the interval between 50-70 per cent of the residence value; an additional, stricter, amortization applies if the mortgage exceeds 450 per cent of the individual´s gross annual income. The stricter amortization requirement is brand new, implemented the 1st of March 2018. This action was introduced when t
Non-communicable, or chronic, diseases (NCDs) are the major contributors to the mortality worldwide. In Ukraine, where the primary causes of deaths are chronic cardiovascular diseases, a healthcare domain suffers from insufficient financial provision, facilities and resources, and the lack of attention to social aspects of poor health conditions. The aim of this research is to explore social conse
This thesis aimed to develop a deeper understanding for the interplay between cultural integration and employees’ organisational identification in a cross-border post-acquired firm and how the employees account for their organisational identification five years after an acquisition. A qualitative research method based on a hermeneutics epistemology and a constructionist ontological perspective wa
Att E-handeln ökat stort de senaste åren har inte gått ouppmärksammat och dess inslag har märkts både privat och inom näringslivet. Den fysiska handeln har ändrats handel via internet vilket är en utveckling från byteshandel som var en av de tidigaste handelsformerna. Sedan internet, och E-handelns, lansering i början av 1990-talet har utvecklingen gått snabbt och de senaste tjugo åren har omsättnThe fact that e-commerce has increased significantly in recent years has not gone unnoticed, and its features have been marked in both private life as well as in business. The physical commerce has changed to an increased shopping through the internet, which is a development of the trade of goods that was one of the earliest commercial forms. Since the internet, and thereby the E-commerce, was lau
Sammanfattning Handeln har traditionell sett haft sitt fäste i stadskärnorna men har sedan 1990-talet haft en svag utveckling i jämförelse med externhandeln och e-handeln. Externhandeln är förvisso pressad av konkurrensen från andra handelsplatser men är fortfarande en tuff konkurrent till cityhandeln. Trots detta har externhandeln expanderat de senaste åren och numera finns det köpcentrum och hanTraditionally, city commerce has always had a strong foothold in Swedish cities. However, in recent years the city commerce has experienced a weaker growth in comparison with external shopping and e-commerce. While the external shopping sector is experiencing competition from its own sector and e-commerce and struggles with an over-supply of malls it’s still a tough competitor to city commerce. De
The Asian tigers have been a tremendous case of economic success for decades. The economic financial crisis of 1997 put this to a test and they clearly passed it. This dissertation tries to unveil whether the same factors that led to the growth path in the 1960s, the so-called East Asian Miracle, are still responsible for overcoming the crisis. By means of factor analysis and a set of multivariate
Syftet med denna uppsats har varit att dels prova en ny observatörsskala, kallad TRICS, Therapist Relational and Interactional Competence Scale, för att mäta terapeuters förhållningssätt och beteende under en given terapisession och undersöka dess psykometriska egenskaper och dels undersöka bedömares subjektiva upplevelser av att använda skalan. Den psykometriska analysen baserades på tjugo videoi
In order to fight climate change and meet the Paris Agreement to keep the global temperature rise below 2 °C above pre-industrial levels, there is an urgent need to change the dominant way of producing and consuming energy worldwide. However, governing an energy transition is a complex and challenging task, as different actors and interests clash on different levels. In this study, I have a closer
Convolutional Neural Networks (CNNs) and pre-trained word embeddings have revolutionized the field of Natural Language Processing (NLP) during the last years. In this project, CNNs are used on top of the Word2Vec word representation for a sentence classification task on medical research articles. Both individual networks for each category as well as a combined classification network are optimized
Syfte och frågeställning: Syftet med studien är att försöka ta reda på varför vårdtagare väljer att söka vård online genom videosamtal samt hur vårdupplevelsen påverkas av att vårdbesöket är medierat. För att uppfylla vårt syfte frågade vi oss vilka som var de huvudsakliga motiven till att vårdtagare kontaktar vårdgivare genom videosamtal samt hur vårdtagare upplever det medierade vårdbesöket. Me
This essay focuses on experiences of sexual harassment / abuse taken from www.minnen.se which tellstheir stories in a narrative form. The experiences shared via minnen.se are largely positive. The focus is circuit on upset feelings and displeasure of a more or less social accepted behavior, and lack of trust in the legal system. To handle the material, a criminological and sociological perspective
Att retorik och demokrati går hand i hand är ingen hemlighet. Denna uppsats ämnar belysa relationen mellan retorik och demokrati, och hur retorik kan bidra till implementeringen av det demokratiska uppdraget i ämnet svenska på gymnasiet. Genom en innehållsanalys synliggörs retorikteorins demokratiska potential, vilken utgörs av två framträdande perspektiv på retorik: att föra sin talan och att för
The Swedish city of Malmö has a problem with crime, which is shown in official statistics. However, the crime rates in other comparable Swedish cities are very similar. Despite this fact Malmö is depicted as a more dangerous city by the media, and this image of Malmö has been internalised by many. This study aims, using a qualitative method, to look into whether employees at the municipality of Ma
Company-driven initiatives to collaborate with startups are increasingly arising as a reaction to the competitive landscape of today, influenced by globalization, digitalization, and an increased demand for open innovation practices. Startups constitute a major source of innovation and have the ability to overthrow current technologies and business models. Due to vast differences, and the compleme
Värdegrunder är idag en naturlig del av många moderna organisationer. Fördelar som att värdegrunden kan vara vägvisande och grund för beslut lyfts ofta fram i nuvarande forskning (Lencioni, 2002; Philipson, 2011). På senare år har även kritik riktats mot värdegrundsarbete och viss forskning menar att det är slöseri med både tid och pengar (Alvesson, 2015). Det är emellertid svårt att fastslå hur m
Departing from the increased interest in and beneficial characteristics of investments in commodity futures evident in the literature. This paper evaluates the existence of factors that may explain the cross-section of commodity futures through macro, equity and commodity specific factors. The models employed are estimated through the Fama-Macbeth two step approach on individual contracts as test
Sanctions have become a frequently used tool of political interactions around the globe, and the U.S. is he leading countries when it comes to imposing economic sanctions. While the intention of economic sanctions is to put pressure on the target to alter its behaviour, research has shown that economic sanctions can have negative effects even on the sender country. Utilising a difference-in-differ
Concentration of wealth has received considerable attention in recent years, and research shows that it is not only a modern day phenomenon. This thesis contributes to the ongoing debate by presenting wealth inequality estimates for rural Finland from 1750 to 1900 in three regions – East, Southwest and North. The current study uses a rich dataset of probate inventories containing over 18 000 obser
The European Union is a union comprised of 28 European member states but its influence stretches past their traditional borders. Through its enlargement mechanism, the EU exports influence and social order to the candidate countries in the form of calls for reform which would bring them closer to the EU, structurally, economically and culturally, with the end goal being membership in the EU. This
The aim for this thesis is evaluate the effect of foreign direct investment on economic growth in emerging markets. Former researches are in a disagreement on whether it generates any effect at all. The theoretical framework suggests that the human ability to consume new technological innovation is the engine of growth. Furthermore, it implies that FDI is a valuable instrument that provides countr
