Purpose – The purpose of this paper is to examine to what extent and in what forms loan applications from small and medium-sized enterprises (SMEs) in a risk averse banking environment can be assessed defensively by lending officers (LOs). The paper also identifies triggering mechanisms behind...

At the beginning of the 1990s, Sweden found herself in an economic crisis that led to a worsening of living conditions and increases in the level of inequality between different social groups. The object of this article is to describe the levels of victimization that have been experienced by a...