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Svenska hushåll är bland de mest skuldsatta i EU. Överskuldsättning kopplas till förödande konsekvenser för människors liv och livskvalitet. Den överskuldsättning vissa konsumenter hamnar i gör att frågan om hur krediterna blivit godkända är nära till hands, särskilt med hänsyn till kreditprövning och kraven som ställs på denna i konsumentkreditlagen. Kreditprövning är till sin natur en preventiSwedish households have among the highest rates of debt in the EU. Overindebtedness is often linked to terrible consequences for individuals' physical and economic health and safety. The state of the overindebtedness affecting some consumers begs the question how the loans were ever approved in the first place, having undergone credit assessment in accordance with consumer credit regulation.

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This thesis examines the Global Britain discourse and its articulation in the Integrated Review, a foreign policy paper, published by the British Government in March 2021. Global Britain is not a new phenomenon but an imperial legacy. The study highlights this legacy and underlines what British foreign policy focuses on in the future post-Brexit world. Faircloughian critical discourse analysis and

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Within strategic communication crisis communication is a relevant part of public relations in which practitioners developed guidelines for effective crisis communication (Seeger et al., 1998). Furthermore crisis communication is also relevant in political frames and political leaders need to know how to communicate during a crisis situation such as the Covid-19 pandemic. The Covid-19 pandemic is a

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En av konsekvenserna av klimatförändringen är en ökning av extrema regn. Kraftigt regn har blivit vanligare de senaste åren, troligen kommer nederbörden fortsätta att öka under kommande åren, säger forskarna. Den 10 augusti 2020, föll ett kraftigt regn i Ljungby stad som orsakade många översvämningar i privata och publika områden. Huvudsyftet med denna avhandling är att stötta de som jobbar med ko

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This study seeks to investigate how artists of the African diaspora in Sweden manage their identity in the face of racism and how this relates to their art. This purpose is investigated through the following sub-themes: the forms of racism the participants have met, how they have coped with racism, how they move through the art field, and how these factors relate to their art. Six participants wer

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The study is of qualitative character, adopting a constructionist perspective and following an abductive approach. The qualitative material has been gathered through a set of semi-structured focus group interviews. The study has been conducted by applying a conceptual framework, consisting of three theoretical dimensions for investigating the influencer phenomenon, namely; brand authenticity, pers

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The global spread of mobile phones provides developing countries with new opportunities to spark economic growth and to improve the quality of life of their people. One specific service that emerged in this context is mobile money. Widely recognized as the most successful example is the service M-PESA in Kenya. In 2013 Kenya introduced a 10% excise fee on all financial transaction fees, including

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The installation of large-scale solar farms is expected to increase in the future as part of a widespread transition from fossil fuel-based energy generation to renewables. By simulating large-scale solar farms in Earth system models (ESMs), previous studies have found that solar farms, at a large enough scale, can globally affect Earth’s climate. This study builds upon previous studies where an E

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För att garantera en rättssäker brottmålsprocess är det av stor betydelse att den misstänkte får insyn i det material som innehas av polisen och åklagaren. Utan insyn i utredningsmaterialet skulle det starkt begränsa den misstänktes möjligheter att försvara sig på ett fullgott sätt och att kontrollera åklagarens och domstolens bedömning. Den misstänktes rätt till insyn är emellertid inte absolut oIn order to guarantee that the criminal proceedings are in compliance with the rule of law, it is of great importance that the suspect has access to the materials held by the police and the prosecutor. Without such access, it would severely limit the suspect’s access to adequate facilities for the preparation of his defence and ability to verify the prosecutor’s and the court’s assessment. However

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The purpose of the study is to find out linkages between NGO’s accountability towards its bene-ficiaries and its financial independence. The paper is highly empirical and draws on the experi-ence gained from a case study of an NGO in Georgia. It provides the illustration of how the quali-ty of NGOs work (which primarily targets the beneficiary population) is damaged by financial dependency on dono

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The Khumbu region of northeast Nepal has experienced dramatic socio-economic change along with the rise of tourism. The mountainous villages have developed and abandoned traditional lifestyles as tourists from all over the world come to experience the dramatic scenery of the Himalayas and ascent its peaks. The mountaineering industry thrives and does provide employment for the local inhabitants. H

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The Yellow River Basin Commission (YRCC) is struggling with demand and supply water imbalances due to inter-jurisdictional rivalries, and has consequently promoted the development of water rights trading to incentivize provinces from not exceeding their allocated withdrawals in the Yellow River Basin (YRB). This thesis employs the case of Ningxia Hui Autonomous Region to examine factors that facil

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For this research, two satellite products were used to see if it was possible to improve the resolution and quality of the global radiation interpolation in the Netherlands. The first data source was from the Climate Monitoring Satellite Application Facility (CM-SAF). The second data source was the Surface Insolation under Clear and Cloudy Skies (SICCS) from the KNMI. Both products were available f

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Football is getting more and more connected to business as well as economics by each day. Almost annually, a transfer record or an all-time-high sponsorship deal is signed. This essay will attempt to take an economic point of view on the footballing industry and try to analyze whether a relationship between seven chosen macroeconomic variables and the UEFA coefficient can be observed and defined.

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The modern human being is exposed to different kinds of light during a normal day, both natural light and adjusted lighting. The idea that light affects us is uncontested, and so affecting the light in turn becomes a question of well-being. It is often thought that abundant and strong lighting is good lighting, but this is far from always accurate. Moreover, the light from a regular lightbulb is i

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The masters thesis The particular politics of the home - domestication and parental practices of digital games in everyday life aims at providing a closer look at how games played on phones, consoles or computers are regulated within the everyday of family life. Through semi-structured interviews with nine parents, the author creates understanding for how digital games are not only tied to the mor

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Många forskare anser att domstolen i Pinnstolsfallet påverkades av den samhällsdebatt som tog fart efter domen i Lindomefallet. I ifrågavarande fall friades två män från ansvar för mord efter att ha skyllt på varandra och det inte gick att bevisa vem som talade sanning. I Pinnstolsfallet å andra sidan dömde domstolen två män för dråp i, vad som verkade vara, utvidgat medgärningsmannaskap. Det utSeveral legal scholars believe that the court in the case of the wooden chair (“Pinnstolsfallet”) was influenced by the public debate that took off after the judicial decision in the case of Lindome (“Lindomefallet”). In the case in question two men were found not guilty of murder after their objections that the other one was the guilty one. In the case of the wooden chair the court found two men

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One particular approach of behavioral economics has gained attention within environmental politics during the last decade. The idea of nudging (“gently pushing”) people in situations of decision-making towards the choice that in the long run is best for them as well as for the society and/or the environment seems to attract policy makers around the world. Many governments inside and outside the EU