The subject of the work is put forward and evaluate different financing options including thermal insulation of residential building list of essential criteria and generalization optimal procedure. Analysis of the individual components of long-term backup or repair fund, determining the optimum amount of funding inserted before insulation. Determine which folders and to what extent will be affected by thermal insulation of the house. Part of this work is to determine the normal price of a residential building as a whole and explanations of technical terms.

Banks have become increasingly restrictive in their lending towards real estate, a development that is expected to continue due to further regulations, such as the Basel framework, and the emergence of new alternative financing options. As described by interview respondents, companies have shown an increased preference for a mix of capital sources following the financial crisis of 2008, which has led to an increase in demand on the capital and alternative markets. Factors that may have affected this development is the inflated corporate interest in maintaining a good credit rating and a change in investor sentiment towards a wider diversification. On the Swedish market, the so-called debt funds are a relatively new phenomenon and the purpose of this paper is to investigate how and what conditions that exist and have been necessary for this development. Debt funds already play a prominent role in real estate funding on other markets, such as US and UK, which could indicate a similar development on the Swedish market henceforth. However, as shown in the paper the markets are different on a systematic level, which makes it hard to draw parallels. Furthermore, as described in the empirical study the Swedish AIF market is underdeveloped in many respects since Swedish companies traditionally have used bank loans or turned to the capital markets - with a preference for equity before debt. With new regulations being introduced in the banking sector, the bank risk appetite has become more volatile, however, the banks retain a strong position and a continued large exposure to the real estate sector which may be due to the banks being well capitalized and an overall increased demand for capital. The increased demand for capital may also have given rise to favorable conditions for alternative financing options. However, in order for debt funds to continue to grow the key is most likely going to be offering loans with more favorable terms and longer maturities compared to other financing options.

Convinced of the role of education in promoting and accelerating economic and social development, the Government of Kenya devoted the early years of independence to the expansion of the education sector. The Government, however, could not shoulder the whole burden of financing education for long and, therefore, introduced the cost sharing policy in 1988. Demand for education has considerably increased in Kenya, yet, the sources of education finances are experiencing constraints even with the cost sharing strategy. With increased poverty levels, many parents are not able to meet the cost requirements under the cost sharing policy. This study, therefore, intended to investigate the impact of the cost sharing policy in secondary education in Kenya. In particular, the study sought to find out the views of teachers, parents and students on the cost sharing policy, the costs of secondary education, the main participants of the cost sharing policy and the proportion of dropouts and absenteeism attributed to the costs of education. This study established that there was an escalation of school fees at secondary school level as a result of the introduction of cost sharing policy in Kenya as well as in the other countries cited in this study. Most parents viewed cost sharing as a burden because not all of them were able to educate their children beyond the primary school level. The study recommends that the Government should introduce better methods of financing secondary education that would enable poor but bright students to join secondary schools of their choice, establish policies of identifying needy students among others. / Educational Studies / M. Ed. (Education Management)

Convinced of the role of education in promoting and accelerating economic and social development, the Government of Kenya devoted the early years of independence to the expansion of the education sector. The Government, however, could not shoulder the whole burden of financing education for long and, therefore, introduced the cost sharing policy in 1988. Demand for education has considerably increased in Kenya, yet, the sources of education finances are experiencing constraints even with the cost sharing strategy. With increased poverty levels, many parents are not able to meet the cost requirements under the cost sharing policy. This study, therefore, intended to investigate the impact of the cost sharing policy in secondary education in Kenya. In particular, the study sought to find out the views of teachers, parents and students on the cost sharing policy, the costs of secondary education, the main participants of the cost sharing policy and the proportion of dropouts and absenteeism attributed to the costs of education. This study established that there was an escalation of school fees at secondary school level as a result of the introduction of cost sharing policy in Kenya as well as in the other countries cited in this study. Most parents viewed cost sharing as a burden because not all of them were able to educate their children beyond the primary school level. The study recommends that the Government should introduce better methods of financing secondary education that would enable poor but bright students to join secondary schools of their choice, establish policies of identifying needy students among others. / Educational Studies / M. Ed. (Education Management)