The authors report the results from a survey about financial literacy, financial market participation and numerous factors such as age, income, and education etcetera, which may or may not affect the level of financial literacy and financial market participation among Swedish adults. The study has a qualitative approach and the the survey is conducted on 80 random chosen Swedish individuals in Jönköping.  The major findings in this study were the following; Individuals with high financial literacy are more likely to have money invested in stocks and/or funds than individuals with low financial literacy. Education and age affect market participation, whilst the variables gender and income does not. The sample did not show a significant correlation between education and financial literacy. However, taking several underlying factors in to account one can see a pattern between these two variables. For example, individuals with a Master’s Degree have higher knowledge about financial concepts than individuals with a High School education. Age does not have as great impact on financial literacy as education, but there is still a pattern to observe, in general, the older we get the wiser we become. Individuals with higher income, have in general a higher financial literacy than individuals with low income. At last, men in general possess a higher knowledge about financial concepts than women.

The aim of the study was to analyz the importance of using local interpreters while interacting with clients from a social worker’s perspective. The study where conducted with five qualitative interviews with social workers working in different departments of social services. The result were analyzed based on the communication theory, social constructivism and intersectionality and analyzed with the hermeneutic analysis method. The result has shown that interpreter's presence can affect the conversation due to misunderstanding between client and social worker, it may be longer with interpreter than without. The interpreter and client background variables (ethnicity, class, sex and age) are affected by the fact that there may be contradictions between them. The client's story can be distorted, the client may not dare to talk about sensitive subjects or interpreters may refuse to interpret for the opposite sex. / Syftet med denna studie var att från socialarbetares perspektiv studera betydelsen av att använda platstolk i interaktion med klienter. I studien genomfördes det fem kvalitativa intervjuer med socialarbetare som arbetar inom olika avdelningar på socialtjänsten. Studiens resultat analyserades utifrån kommunikationsteori, socialkonstruktivism och intersektionalitet. Studiens resultat analyserades med hermeneutisk. Resultatet visar att tolks närvaro kan påverka samtalet genom att det blir missförstånd mellan klient och socialarbetare, samtalet kan även ta längre tid än samtal utan tolk. Tolken och klientens bakgrundsfaktorer (etnicitet, klass, kön och ålder) påverkar på grund av att det kan finnas motsättningar mellan dem. Klientens berättelse kan bli förvrängd, klienten vågar inte berätta om känsliga ämnen eller så kan tolk vägra tolka för det motsatta könet.