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I ett klimat med kraftigt stigande fastighetspriser, rekordhög hushållsskuldsättning och sjunkande räntemarginaler för hypoteksbolagen ter sig en analys av potentiella kreditförluster för hypoteksbolagen som tämligen aktuell. Denna kandidatuppsats syftar till att studera hypoteksbolagens kreditrisk för utlåning till privatpersoner med bostäder som säkerhet. Analysen genomförs genom studier av utve
Den här uppsatsen undersöker hur deltagandet i personalutbildning är fördelat över olika grupper av sysselsatta på den svenska arbetsmarknaden. Också mängden utbildningstid för olika arbetstagare undersöks. Syftet är att testa i vilken utsträckning humankapitalteorins prediktioner om vilka som i första hand får personalutbildning stämmer överens med den faktiska situationen på svenska arbetsplatse
Bland svenska advokater förs idag en diskussion om effekten av en befintlig trend som innebär att avtalen har blivit längre de senaste åren. Vissa advokater anser att avtalen idag har blivit onödigt långa, vilket är ogynnsamt för svenska företag, medan andra anser att det är bättre med dagens längre avtal och att svenska företag därmed endast gynnas av trenden. Den här uppsatsen syftar till att ut
This study focuses on the chromatographic analysis of neonicotinoid pesticides in bumblebee samples. Analyzing these residues presents significant challenges due to the complex biological matrix and the critical need for high detectability to meet regulatory limits. Furthermore, many conventional chromatographic methods are often time-consuming and rely on substantial volumes of hazardous organic
Buildings are responsible for approximately 30% of global energy use, with HVAC systems accounting for 40% of that demand. Among these, data centers have become significant energy consumers, requiring highly efficient and stable cooling solutions. This project aims to explore data-driven control methods to improve the energy efficiency of data center cooling systems as well as reduce the effort an
This study delves into how the European Union acts as a norm entrepreneur, promoting ecological sustainability through external trade policy. By applying qualitative content analysis on the Paris Agreement, the Convention on Biological Diversity and the recent Economic Partnership Agreement between the EU and Kenya, the research identifies environmental norms ingrained in these agreements and eval
Denna uppsats behandlar frågan om varför kön som kategori inte har inkluderats i den svenska straffskärpningsregeln för hatbrott, och analyserar en möjlig förändring av detta. Uppsatsen utgår från att könsrelaterat våld, särskilt mäns våld mot kvinnor, är ett strukturellt samhällsproblem som i vissa fall kan förknippas med misogyni och kvinnohat. Lagstiftningen har hittills exkluderat kön som skydThis thesis addresses the question of why gender as a category has not been included in the Swedish aggravation rule for hate crimes and analyzes a potential change in this regard. The thesis is based on the premise that gender- related violence, particularly men’s violence against women, is a structural societal problem which can be associated with misogyny and hatred against women. To date, legi
Influencer marketing är en växande marknadsföringsform och med den uppstår nya skatterättsliga utmaningar. Skatteverket har uppmärksammat osäkerhet och bristande efterlevnad bland influencers kring beskattning av mottagna produkter. Skatteverket har den 17 april 2025 i ett pressmeddelande informerat om att influencers kan behöva deklarera. I denna uppsats undersöks hur produkter som skickas till iInfluencer marketing is a growing form of marketing and with it new tax law challenges arise. The Swedish Tax Agency has drawn attention to uncertainty and lack of compliance among influencers regarding taxation of products received. On April 17, 2025, The Swedish Tax Agency issued a press release stating that influencers may need to declare. This thesis examines how products sent to influencers w
Bakgrund: En av de främsta riskerna inom den perioperativa vården patienterna riskerar att drabbas av är kvarglömda kirurgiska instrument och material. Detta fenomen benämns som retained surgical instruments, RSI, vilket avser allt oavsiktligt kvarglömt material. RSI kan orsaka allvarliga konsekvenser för den drabbade patienten. En viktig omvårdnadsåtgärd som operationssjuksköterskan ska utföra fö
Cykeln är ett enkelt och effektivt transportsätt med flera trafiktekniska, miljömässiga och sociala fördelar. Trots det kan cykelinfrastrukturen i många fall vara eftersatt och bortprioriterad. De flesta dödsolyckor i cykeltrafiken sker vid kollision med motorfordon vilket gör interaktionen med motorfordon intressant. Främst kan cykelinfrastruktur i korsningar utformas integrerat där cyklister förThe bicycle is an efficient mode of transport that is often deprioritized. The intersection, where many casualties occur, can be designed either integrated or separated. The aim of this thesis is to investigate the safety effects of these designs, the motives behind them and to decide if the distinction between them is relevant by doing a literature review as well as an interview review. It is har
This paper examines the organisational cultures of the three main Swedish intelligence services as well as differences between these cultures. The method used is inductive process tracing with the goal of producing testable hypotheses. The theoretical framework is built upon Edgar Schein’s definition of organisational culture and his model for how they are formed and develop over time, March &
Far beyond its innocence, children and child welfare initiatives have emerged as powerful symbols in Indonesian political campaigns. This research focuses on Joko Widodo and Prabowo Subianto, showing how their use of initiatives like Smart Card and Free Lunch Program projected legitimacy and garnered votes during the 2014, 2019, and 2024 elections. It uses two main methods: reflexive thematic anal
Germanys transition to high shares of variable renewable energy (VRE) is increasingly ex-posing flaws in the country’s current electricity market design, particularly in its contin-ued use of nationally uniform wholesale pricing. This thesis investigates whether nodal pricing, where electricity prices vary locationally to reflect physical system conditions, can improve market efficiency and suppor
After the Higgs boson’s discovery precision searches for Beyond the Standard Model physics has become a new frontier in fundamental physics research. In extensions to the Standard Model, large combinatorics arising due to the many possibly involved particles in Feynman diagrams stands in the way of performing precision calculations of what such extensions predict. This work investigates the feasib
This thesis performs a critical evaluation of the original Cost-Benefit Analysis (CBA) of the Lund tramway project, focusing on its adherence to the then-current Swedish national appraisal guidelines (ASEK 5) and the accuracy of its demand forecasts. An updated demand forecast and monetary valuation of time savings are constructed and compared to the original CBA projections by using empirical pas
Osteoarthritis is a multifactorial degenerative disease characterized by the breakdown of articular cartilage (AC), affecting hundreds of millions of people worldwide. Among many treatment options, hydrogels have emerged as promising candidates for cartilage replacement, due to their structural resemblance to the native tissue. Hydrogels can be made from various materials, and this study focuses o
Digitala D2C-företag i traditionellt fysiska branscher kan etablera en tydlig nisch, men möter nya utmaningar när affärsmodellen ska skalas till fler kundsegment. Detta examensarbete undersöker hur ett svenskt digitalt D2C-företag inom målarfärgsbranschen kan vidareutveckla en validerad, nischad och digital affärsmodell för att nå nya kundsegment på den svenska marknaden. Studien genomförs som enDigital D2C companies in traditionally physical retail can establish a clear niche, but face new challenges when the business model is scaled to broader customer segments. This thesis explores how a Swedish company in the paint industry can further develop a validated, niche-oriented, and digital business model to reach new customer segments in the Swedish market. The study is conducted as a case
Artificial intelligence (AI) is playing an expanding role in infectious disease surveillance and intervention planning by enabling analysis of large-scale health data. One of the key challenges in this area is to characterize transmission within households and to identify factors that influence both infectivity and susceptibility. The present study focuses on the COVID-19 pandemic, which not only
