Abstract Background: Small businesses are vital for the welfare of a country. Yet, they have trou-ble obtaining external financing and these difficulties are gathered under the umbrella concept the “Financial Gap”. The most common source of fund-ing for small businesses is bank loan, why the availability of bank financing is a critical factor for their success. Today, 31% of all Swedish companies argue that they have finance problems and for half of these, the problem is to obtain a bank loan. Purpose: The purpose of the study is to describe and explain the Financial Gap as a relational concept. That is to say that the study will contribute to the understanding of the Financial Gap by focusing on the perspectives of both small businesses and banks interactively. Method: The study views the concept of the Financial Gap from a practical stand-point, assuming that it expresses its existence in the interaction between small businesses and banks. To pursue this view, the study takes on an Eth-nomethodological research approach. This approach is necessary in order to come close to and understand small businesses‟ and banks‟ everyday prac-tises. In-depth interviews are used for obtaining this deeper understanding of both parties. In addition, a questionnaire was sent out to small businesses in order to verify the information gathered in the interviews. Conclusion: On the basis of the study, the authors have developed an Interactive Model which describes their understanding of the Financial Gap. The members of small businesses and banks deal with information differently, which in turn is a result of how they approach ambiguity. When ambiguity is present, small firms settle with making decisions under uncertainty, whereas banks prefer to calculate on probabilities, why their decisions are considered being made under risk. The differences mentioned become visible in their deci-sion-making process, where small businesses act pursuant to a practical rea-soning whereas banks employ an analytical reasoning. Consequently, it leads to a clash when these two shall interact and function in a transaction as partners. The study concludes that the Financial Gap can be explained by small firms and banks speaking different languages when presenting the same reality.

<p><strong>Abstract </strong></p><p><strong>Background: </strong>Small businesses are vital for the welfare of a country. Yet, they have trou-ble obtaining external financing and these difficulties are gathered under the umbrella concept the “Financial Gap”. The most common source of fund-ing for small businesses is bank loan, why the availability of bank financing is a critical factor for their success. Today, 31% of all Swedish companies argue that they have finance problems and for half of these, the problem is to obtain a bank loan.</p><p><strong>Purpose: </strong><em>The purpose of the study is to describe and explain the Financial Gap as a relational concept. That is to say that the study will contribute to the understanding of the Financial Gap by focusing on the perspectives of both small businesses and banks interactively. </em></p><p><strong>Method: </strong>The study views the concept of the Financial Gap from a practical stand-point, assuming that it expresses its existence in the interaction between small businesses and banks. To pursue this view, the study takes on an Eth-nomethodological research approach. This approach is necessary in order to come close to and understand small businesses‟ and banks‟ everyday prac-tises. In-depth interviews are used for obtaining this deeper understanding of both parties. In addition, a questionnaire was sent out to small businesses in order to verify the information gathered in the interviews.</p><p><strong>Conclusion: </strong>On the basis of the study, the authors have developed an <em>Interactive Model </em>which describes their understanding of the Financial Gap. The members of small businesses and banks deal with information differently, which in turn is a result of how they approach ambiguity. When ambiguity is present, small firms settle with making decisions under uncertainty, whereas banks prefer to calculate on probabilities, why their decisions are considered being made under risk. The differences mentioned become visible in their deci-sion-making process, where small businesses act pursuant to a practical rea-soning whereas banks employ an analytical reasoning. Consequently, it leads to a clash when these two shall interact and function in a transaction as partners. The study concludes that the Financial Gap can be explained by small firms and banks speaking different languages when presenting the same reality.</p>

<p>There has been a rapid increase in the number of women entrepreneurs during the last decade. Yet, the number is still rather low why the Swedish Government is performing encouraging efforts. The encouragement of female‟s entrepreneurship is a necessity since women account for a rather new group of entrepreneurs who contributes to the growth of the economy. For most entrepreneurs, the success or failure depends on the ability to create a network of support and access to external capital. Previous research has shown that women entrepreneurs have a harder time to access external capital. These researchers have, however, mostly focused on individual traits and through these explained the financial situation of women entrepreneurs. This research, on the contrary, adopts a sociological research perspective where the everyday experiences of women entrepreneurs are emphasized.</p><p>The purpose of this study is to understand and describe the financial situations faced by women entrepreneurs within the region of Jönköping. This will be achieved by examining the women‟s experiences in asking for banks‟ capital and the perceptions of the banks in supplying the capital.</p><p>The study takes on an ethnomethodological research approach and applies a narrative data collection method. Due to the adopted ethnomethodological perspective, the study engages in the mapping of the everyday reality of the researched participants. The narrative data collection method allows the participants to express their stories and experiences.</p><p>On the basis of an a priori model, the narratives were systematically studied and the financial situation of women entrepreneurs analyzed. The study applies a micro- and a macro analysis under which narratives of two different structures are examined. The micro analysis takes account of the narratives produced by the researched participants without involving any theory. It is found that the women entrepreneurs‟ narratives are more varied and action-oriented whereas the narratives of banks are more conformative and gen-eral. The macro analysis puts the narratives into a broader framework by in-volving both earlier research and a theory developed by Bourdieu. This analysis contributes to an understanding of that the social setting affects the structure, rules and norms of the entrepreneurial field. This may act as hin-ders for women entrepreneurs in terms of accessing capital, networking and overall feeling exhorted to be entrepreneurs. Hence, the reality of women entrepreneurs can be argued to be socially constructed where the women are unfairly seen through influenced eyes.</p>

Syftet med denna studie är att visa hur skolorganisation, skolledning och skolledaridentiteter produceras, formas och omformas i samtalad interaktion samt att visa vilka diskursiva metoder som de samtalande använder för att bygga upp sina begrepp och kategorier och samtidigt göra dem socialt acceptabla i sitt sammanhang. Jag har tagit teoretisk och analytisk utgångspunkt i etnometodologi, socialkonstruktionism och kategoriseringsanalys. Det empiriska materialet består av inspelade ledningsgruppsmöten, som transkriberats noggrant, från en grundskola och två gymnasieskolor, samt intervjuer med tre skolledare. De empiriska studierna presenteras i fyra delstudier, där delstudie I visar hur intervjuare och intervjuad gemensamt bygger upp relevanta ategorier med hjälp av bland annat tidsbegrepp. I delstudie II analyseras hur skolledare i ett arbetslagsledarmöte gemensamt skapar den lokalt producerade organisationen-i-handling. Delstudie III fokuserar hur citeringar av sig själv och andra används i mötessamtal för att forma kategorier och delstudie IV inriktas mot att se hur deltagarna i de probleminriktade samtalen orienterar emot teamet och hur ’vi’ som grupp formas. I samtliga delstudier fokuseras hur kategoriserandet samtidigt är identitetsskapande. De samtalande framställer sig själva som bland annat problemlösare, nytänkare, förändrare och annorlunda än ’de andra’. Kategoriseringsarbete har visat sig ha stor betydelse för interaktionen och identitetsarbete är en viktig del av det som sker i mötessamtal. Skolledning framstår som bland annat gemensamt producerat och inte enbart som ett heroiskt ensamarbete. Tal och samtal kan beskrivas som en viktig del av och i ledningsarbetet. / The aim of this study is to show how school organization, school leadership and school leader identities are produced, formulated and transformed in talkin-interaction, and to show methods members use to build concepts and categories making them socially acceptable, in situ. My theoretical points of departure and analytical tools are ethnomethodology, social constructionism and membership categorization analysis. The empirical material consists of recorded talk sequences at regular meetings of school management teams, transcribed in detail, at one primary school and two secondary schools, and interviews with three assistant principals. The analysis of the empirical material is presented in four studies. tudy I shows how the interviewer and interviewee jointly construct relevant categories, using temporal terms as well as other resources. Study II analyzes how school leaders at a team meeting collectively create the organization-in-action. The focus of study III is on how team members use reported speech to produce categories, while study IV is oriented towards how we as a team is produced. All studies focus on categorization work as identity work. The team members and the interviewees give attributes to and make categorizations of themselves and others in order to produce themselves as problem-solvers, innovative, progressive and different. Categorization work has proven highly significant in the interaction, and identity work is an important component of the actions accomplished in the analyzed meetings. School leadership is not produced as a lone heroic effort, but rather as something created by members in interaction. Talk-in-interaction can be described as an important part of and in leadership work.

Denna studie söker interdisciplinär förstå­else för hur normativa ramar i politiska samråd upprätthålls och förhandlas interaktionellt. Detta görs genom att tillämpa språkvetenskapliga metoder på statsvetenskapliga och sociologiska teorier. Normer för deltagande i deliberativa samtal (såsom medborgardialoger och samrådsmöten) har beskri­vits som problematiska då de diskriminerar vissa grupper medan andra grupper privilegieras. Dessa problem har dock beskrivits som svåråtkomliga då det rör sig om underförstådda norm­processer. Genom 24 timmar videoinspelningar av naturligt förekommande interaktion, från fem mötestyper undersöker denna studie normer för deltagande från ett etnometodologiskt per­spek­tiv. Med metoden conversation analysis visar studien hur normer relevantgörs verbalt och multimodalt av samtalsdeltagare i sammanhang där en intresseorganisation möter kom­mun­representanter för att utöva politisk påverkan. Analysen sker genom tre analysenheter: (1) begäran och tilldelning av ordet, (2) bevakning av talarutrymmet och (3) samtalsdeltagarnas pragmatiska och institutionella förväntningar på inspel under samtalets gång. Studiens resultat uppvisar orienteringar som vittnar om normativa ramar som utgör både resurser och hinder i interaktionen för mötesdeltagarna. Studien vittnar om att verksamheten deltagande demokrati gynnar erfarna politiska samtalsdeltagare som genom att åberopa institutionaliteten i sammanträdena ser till att göra sig hörda. Detta stärker det kritiker menar med att deliberativa normer privilegierar grupper med deliberativt kapital. Studien pekar på vinster med en interaktionell ansats och föreslår att empirisk forskning om deliberativa samtal bör använda sig av mer detaljerade analysenheter än vad man oftast tidigare gjort, för att på så vis uppmärksamma och bemöta exkluderande normativa ramar för den deliberativa demo­kratin.