SMEs represent the majority of business activity among almost all economies. However, the financial market rarely meets them with appropriate financial products. This study investigates and provides empirical evidence on SMEs' financial inclusion in Kosovo and its impact on the community they operate. The research employs sequential explanatory mixed methods by utilising the World Bank Enterpr

Bakgrund: I början av 1900-talet introducerades trädgården som terapiform för personer med psykiska problem och depression. Psykisk ohälsa är ett växande problem som står för majoriteten av alla sjukskrivningar. Senare forskning har visat att trädgårdsterapi bidrar till ökat välbefinnande, livskvalité och arbetsförmåga. Studier som sammanställer effekterna av trädgårdsterapi vid rehabilitering förBackground: In the early 20th century, the garden was introduced as a form of therapy for people with mental health problems and depression. Mental illness is a growing problem that accounts for most of all sick leave. Recent research has shown that garden therapy contributes to increased well-being, quality of life and ability to work. However, studies that compile the effects of garden therapy i

River Storån, a major tributary of Lake Bolmen which is a source of fresh water to Skåne county of Sweden is found to alter the color of water in the lake due to the presence of natural organic matter. Hence it is of utmost importance to study the river to understand the dynamics of generation and flow of water from the river to the lake. This is done by application of a hydrological modelling sys

Bakgrund: Inom akut- och ambulanssjukvården uppstår situationer där svårigheter föreligger att bejaka patientens självbestämmande och delaktighet i besluten som vårdpersonal tvingas ta rörande patientens väl och lidande i fokus. Etisk kompetens är omfattande och komplext där teoretiska kunskaper om ämnet inte räcker till och utvecklingen av vårdetik och ett etiskt förhållningssätt är allas ansvar.

This thesis explores how intrapreneurs can be recognized as insider threats. Nine different perspectives are presented, including deviant intrapreneurs, threatened and threatening resources, and subcultures on the tactical/operative level. Intrapreneurs are employees who use their entrepreneurial spirit for the benefit of their organizations. Insider threats are people who, through authorized acce

In the laboratory, minimum-effort coordination games routinely reach low levels for larger group sizes. Weber (2006 American Economic Review) showed that by simply starting with a small group and adding players that are exposed to the group’s history over time, one can “grow” larger groups with high effort levels. Adapting the concept of introspective equilibrium, I create a model to replicate the

Prenatal depression och ångest är vanligt förekommande och drabbar 12,8% respektive 10,4% av blivande mödrar. Förutom psykiskt lidande kan symtomen även ha negativ inverkan på det ofödda och senare födda barnet. Båda är dessutom starkt predicerande för postnatal depression (PND). Majoriteten av tidigare forskning har framför allt fokuserat på förekomst av depression respektive ångest var för sig oPrenatal depression and anxiety are common and affect 12.8% and 10.4% of expectant mothers, respectively. In addition to mental suffering, the symptoms can also have a negative impact on the unborn and later born child. Both are also strongly predictive of postnatal depression (PND). The majority of previous research has primarily focused on the occurrence of depression and anxiety separately and

Kupongskattelagen är en 50 år gammal lag i behov av modernisering på grund av den ökade globaliseringen i världen. Denna uppsats syftar till att granska förslaget till ny lag om källskatt på utdelning. Detta görs bland annat med hjälp av en jämförelse mellan gällande rätt, norsk och dansk rätt, samt EU-rätt. Förslaget innehåller förändringar som innebär att ansvaret för innehållande av källskatt Kupongskattelagen is a 50 years old law in need of modernization due to the increasing globalization in the world. This paper aims to examine the proposal for a new law for withholding tax on dividends. As part of this a minor comparison between current law, Norwegian and Danish law, and EU law will be conducted. The proposal entails changes that place more of the responsibility for withholding

Saltwater intrusion is the most challenging problem in coastal regions. To prevent saltwater intrusion, saltwater pumping from a barrier well is widely applied, which is a direct abstraction of intruded saltwater from a coastal aquifer. Owing to its easy installation, many studies have been carried out. However, quantitative relationships between barrier and inland production well have not been re

Title: Money left on the table - A study about underpricing in Venture Capital-backed initial public offerings in the Nordics Seminar date: 2021-01-15 Course: FEKH89, Corporate Finance Degree Project, Undergraduate level, 15 ECTS Authors: Viktor Källström, Erik Magnusson, Sofia Vögeli Advisor: Maria Gårdängen Key words: Venture Capital, Underpricing, Initial Public Offering, VC-backing Purp

Prosodic cues such as stress and tones can help listeners predict upcoming structures and get a first crack at rapidly unfolding speech. The prosodic feature stød in Danish can distinguish word meanings but also signal imminent structures. For instance, monosyllabic nouns with stød lose stød when followed by the plural indefinite suffix -e. Suffixes invalidly cued by stød or non-stød have been fou

Background The Paris Agreement has forced the European Parliament to set a target of 35% renewable energies by 2030. In Sweden, the adaptation of the electricity supply chain to renewable energy production has created new opportunities for the electricity supply chain member. New business models between prosumers and electricity suppliers are currently being developed while the whole management of

The aim of this qualitative study was to explore the factors of authority and of power and how these factors effect the relationship between social workers and their clients from the social workers point of view. Four semi-structured interviews were conducted with social workers from an Investigative Unit for Adults with Substance Abuse within the Municipal Social Services. The data was analysed b

Syftet med denna studie var att undersöka reaktionen på de europeiska finansiella marknaderna runt den 11 mars 2020 då coronaviruset förklarades som en pandemi. Följaktligen var syftet att se om det fanns en signifikant skillnad emellan de som stängde ned och de som höll öppet i mars 2020. Studiens genomförande består av en kvantitativ eventstudie, vilken genom två modeller undersöker den abnormal

Kurs: ​FEKH29, Examensarbete kandidatnivå i marknadsföring, 15 högskolepoäng Författare: Pontus Carlén, Åsa Sturesson, Anton Särnell Handledare: Veronika Tarnovskaya Nyckelord: Syftesdriven marknadsföring, Anknytning, Komparativ fördel, Varumärkeskapital, Misslyckande, Statistiskt signifikant Syfte: Syftet med denna studie var att utvärdera om unga svenska konsumenter skulle uppfatta lokala varu

Malmö is an expanding, globalised and multicultural city with the aim to be sustainable and green. Throughout this aim, there is the actuality of negotiating space: space for housing, space for activity and green space for nature. Many different preferences of when, how and why to use public space meet and friction is inevitable. Within this debate of urbanization and nature following the western

Few business models are as hyped right now as the Software as a Service (SaaS) model. But how sustainable is it? In the last decade, SaaS has reshaped the software industry and has become a leading delivery model of B2B enterprise software. During this period, the disruptors that pioneered the model and the incumbents that transitioned to it have created tremendous shareholder value. However, the

År 2018 meddelade EU-domstolen förhandsavgörandet C-284/16 Achmea som kom att göra investeringstvister mellan en investerare från en EU-medlemsstat mot en annan EU-medlemsstat osäker. I domslutet konstate-rade EU-domstolen att artiklarna 267 och 344 Fördraget om Europeiska unionens funktionssätt utgjorde hinder mot en sådan skiljeklausul som fanns i ett bilateralt investeringsavtal mellan SlovakieIn 2018, the Court of Justice of the European Union (CJEU) rendered its preliminary ruling C-284/16 Achmea, making the future of investment treaty arbitration between an investor from one EU member state and another EU member state uncertain. In the judgement’s operative part, the CJEU con-cluded that articles 267 and 344 Treaty on the Functioning of the European Union precludes arbitration clause

There are many and varied benefits associated with experiences in natural environments. This thesis examines the practices and perspectives of people who professionally facilitate and thus enable such experiences. The practices, perspectives, experiences, natural environments and their associated benefits are conceptualised as cultural ecosystem services through a framework, which is theoretically

Idag dimensioneras servisledningar i Malmö/Burlövs fjärrvärmenät baserat på en efterfrågad värmeeffekt från fastighetsägare eller byggföretag som E.ON (fjärrvärmeleverantören) i sin tur möter upp med en passande rördimension. Det finns tecken på att fastigheter inte når upp till den efterfrågade värmeeffekten och att servisledningarna därav är överdimensionerade. Med anledning av detta ämnar detta