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ABSTRACT Title: Micro-Credit and Loans: Credit Riskmanagement Differences Seminar date: 2010-01-21 Course: NEKK01 - Bachelor Essay, 15 ECTS Author: Philip Thuresson Supervisor: Anders Vilhelmsson Ph.D. Keywords: Micro-credit, Risk, Yield Purpose: The purpose of this essay is to examine the differences in the risk analysis and credit process between micro-credit institutions and banks. Theoretical

Amartya Sen argues that the overarching goal of development is expanding people’s choices. Yet, freedom as a goal is ambiguous as the notion is clouded by idioms of freedom dating as far back as Ancient Greece. Thus, since Sen claims to have universalist presumptions, this thesis discusses and analyzes Sen’s notion of freedom from a classical philosophical perspective – mainly drawing from Leo Str

Title: Returns on Assets and Returns on Stocks: Based on Swedish Market. Authors:Tatiana Studyanikova and Eirini Sarantopoulou. Advisor:Hossein Asgharian. Key Words: Returns on assets (ROA), returns on stocks (ROS), variation, principal component analysis, firm-specific level. Purpose: Examine whether common factors of returns on stocks and returns on assets explain most of the variation in return

Background and objective: Human studies of arterio-venous (AV) differences in drug concentrations and the consequences for pharmacokinetic modelling and concentration-effect relationships are very limited. We therefore investigated the intravenous and intra-arterial concentrations of alcohol (ethanol) during the absorption, distribution and elimination stages of alcohol metabolism in healthy men.

In recent years the importance of lobby organizations in the American foreign policy making has increased. One organization that has gained significant influence is the Israel lobby. In this study I present the actors involved in the making of American foreign policy, the relationship America has with Israel and the strategies used by the Israel lobby to gain their influence. I use liberalism to d

To travel with public transport and at the same time have a pleasant and relaxed journey is not a guarantee. Stress, insecurity and confusion can strike everyone, with or without disabilities. A political goal says that Sweden should have an accessible society in 2010. Some tools that can be used to reach this goal are design and architecture, but there is not much time left. In my role as a desig

This thesis discusses the provisions of the Rotterdam Rules on electronic transport records. Among the issues addressed are the current law on bills of lading and attempts at establishing systems issuing electronic bills of lading. The theses then goes on to discuss and analyse the provisions on electronic transport records in detail, their history and objective, along with related provisions on t

The purpose of this report is to evaluate the safety of life during evacuation from the icebreaker Sankt Erik in Stockholm in the event of fire onboard. Sankt Erik was decommissioned in 1977 and operates since 1980 as a museum under the Swedish Maritime Museum in Stockholm, moored at Galärvarvet. Being a museum no major alterations to the structure are allowed. Furthermore, the majority of the mat

This research is a theoretical contribution to CCT and existing literature on ownership, investigating whether ownership has become an out-dated ideal in consumer culture. We explore how Millennials negotiate issues of ownership and sharing in the context of collaborative consumption. Consequently, the study provides insights on new consumption forms, and more specifically swapping and access-base