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Credit activity is essential for financial institutions, acting as the primary means banks deploy resources and generate revenue. As a key indicator of financial distress, corporate default has severe repercussions on investors, creditors, regulators, and policymakers. Credit risk embodies the uncertainty banks confront prior to lending, accounting for the partial or complete non-recovery of loan
The establishment of Indonesian AID can be seen as Indonesia’s official statement to the world on its intent of playing a more prominent role as a donor of international development aid. However, looking at the available data, it seems that Indonesian AID is still deep in the early days of its establishment. Little seems to have gone into “enforcing” its role as donor, with “reorganizing” seeming
Collecting enough labeled images to train an artificial neural network (ANN) is a common struggle since the process is tedious, time consuming and expensive. CellaVision, a company that creates analyzers that automate the process of finding and pre-classifying abnormal blood cells using machine learning, runs into this problem regularly. When new generations of analyzers are being produced, the im
The purpose of this study is to explore what organisational capabilities are needed to monetise on the value of a digital transaction platform during a business model transformation. The study brings forward six capabilities which are divided into the three themes: enable, create and capture. To enable value on the platform, the capabilities innovative mindset and supportive leadership are assumed
Att bygga material av proteiner är en konst som våra kroppar är specialister på. Men när vi medvetet försöker designa proteinmaterial, så blir det tydligt hur komplexa och svårstyrda biofysikens lagar är. Det här examensarbetet har som mål att lägga grunden för ett proteinmaterial som kan skapas eller dissociera som respons på förändrad Ca2+-koncentration. Om ett sådant material kan framställas meTo build materials of proteins is an art that nature is a specialists in. But when we actively try to design protein materials, it becomes clear how complex and hard to control the biophysical world is. This master thesis aims to lay the foundation for a protein material that forms and dissociates as a response to changed Ca2+ concentration. If such a material is to be produced with an ordered str
Execution time is an important issue in the field of numerical analysis. Simulations are getting more and more complex and the execution times are rapidly increasing. In the scope of this thesis a time integration library is used to solve initial value problems. The aim of the thesis is to implement and investigate two different approaches to decrease the execution time for the library. The main f
During evolution the human brain has increased drastically in size compared to that of other primates. However, little is known about primate brain development as it is difficult to study human and primate brains in the laboratory due to the scarcity of tissues. Yet, it is essential to study primate brains and understand the molecular features leading to the human brain’s unique cognitive function
By the end of the 1960s there was a growing environmental concern all around the globe. As a part of an answer to this challenge the need was recognized for a reorientation of the education processes towards developing knowledge, attitudes and skills for resolving the issues. This was the birth of the concept of Environmental Education (EE). However, this notion is far from being static as it went
Purpose of study: As both innovations and brand loyalty are becoming ever more important for companies today, it is of importance to understand how an organisation can handle the relationship between the explorative and exploitative units when working with these two constructs. The ultimate aim is to understand how service organisations can be managed in order to enhance brand loyalty through serv
More and more people are moving to urban areas, but with this urban growth, there is also an increase in the urban population coping with health problems. This thesis explores the possibilities of restoring mental health through Urban Design. This is done by creating a vision plan for a restorative neighbourhood in Antwerp, named 'Het Eilandje'.
The current reality is that cities are losing green spaces rather than creating more of them, leading to many urban challenges. Urban nature-based solutions (NbS), through renaturing urban landscapes, are seen as a promising solution to help cities deal with climate change and build a better future for communities worldwide. In Europe, specifically, NbS is also seen as a way of boosting green innov
The maturation of whisky is a long and complex process, the extremely long waiting time causes a large cost for new whisky distilleries, and without sufficient funding, it is hard to start a whisky business. To produce satisfying whisky products within the short term, accelerating the reaction during aging provides a promising approach. Various chemical reactions take place during this stage, this
The unicellular green alga of genus Chlamydomonas are well studied within the fields of photosynthesis and flagellar research. Although many molecular tools have been developed for use on Chlamydomonas, little research has been done on its ecology and population dynamics. Species within the genus are morphologically indistinguishable using light microscopy and as such a molecular method is necessa
Det svenska straffrättsliga systemet bygger på att endast fysiska personer kan begå brott och straffas för dessa. För näringsidkare, såväl fysiska som juridiska personer, har det istället införts särskilda sanktioner såsom företagsbot. Någon särskild reglering av företagsbotsprocessen och näringsidkarens processuella rättigheter vid en talan om företagsbot har däremot inte införts. Samtidigt uppstThe Swedish criminal justice system is based on the fact that only physical persons can commit crimes and be punished for them. For traders, both physical and legal persons, special sanctions such as a corporate fine have been introduced. However, no special regulations of neither the corporate fine procedure nor the procedural rights for traders, when pursuing criminal charges of a corporate fine
I denna avhandling har jag kritiserat EPI (Environmental Performance Index) och det sätt ett lands hållbarhetspolicy tenderar att mätas. Jag har granskat tidigare bortsedda aspekter av nationernas miljöpolicy och försökt föra dem fram i hopp om att dessa kommer att användas för framtida miljömätningar. Jag har också tittat på sambandet mellan jämställdhet och statlig miljö och försökt hitta empiri
Based on the context of a developing country, this research engages key identified political-economy aspects that influence the operations and performance of the electricity supply industry in Tanzania. Departing from this political-economy perspective, this paper explores dencentralized approaches to rural electrification through agro-industry co-generation and influencing factors behind the slow
There is a global demand for sustainable industrial development and a call to make manufacturing “greener”. Nanotechnologies are in a promising position to be early adopters of this concept. Advancements in the nanomaterial industry can help confront global issues, and aid in sustainable development that enables positive economic, environmental, and social changes. Formal evaluation of a product’s
