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JAK Medlemsbank: En studie om ett räntefritt alternativ
Södertörn University, School of Social Sciences.
Södertörn University, School of Social Sciences.
2012 (Swedish)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesis
Abstract [sv]

Syftet med uppsatsen har varit att få djupare förståelse för hur en räntefri bank arbetar och finansieras. Men även för att se vad skillnaden i kostnad blir med ett lån från den räntefria systemet JAK Medlemsbank i jämförelse med ett vanligt banklån. Studien utgick från en kvalitativ ansats. Vi använde oss av intervjuer som informationshämtande metod för att få djupare förståelse och kunskap om både JAK Medlemsbank och dess medlemmar. Den kvalitativa ansatsen gav oss också möjligheten att ta del av medlemmarnas uppfattning av ett räntefritt system och syn på räntan. Resultatet visade att stora lån blir opraktiska på JAK Medlemsbank då de månatliga utbetalningarna blir nästan dubbelt så höga, vilket många inte troligen klarar av att betala. Resultatet visade även att JAK Medlemsbank inte enbart finansieras av medlemsavgiften utan även av den ränta som de får från statsobligationer. Vilket tyckas vara rätt så paradoxalt, då syftet med JAK Medlemsbank är att motverka räntan.

Abstract [en]

The purpose of this essay has been to get a deeper understanding of how a interest free bank works and gets financed. We also wanted to see the difference in the cost for a interest free loan compared to a traditional bank loan. The study was based on a qualitative approach. We used interviews as information retrieval method to get a deeper understanding and knowledge of both the JAK Members Bank and its members. The qualitative approach also gave us the opportunity to take part of the bank members perception of an interest-free system and their view on interest rates. The results showed that large loans becomes impractical at JAK Members Bank when the monthly payments almost was twice as high, which many are not likely able to pay. The results also showed that JAK Members Bank is not solely funded by membership fees, but also on the interest they receive from government bonds. Which could seem quite paradoxical, since the purpose of JAK Members Bank is to counteract the interest.

Place, publisher, year, edition, pages
2012. , 43 p.
National Category
Business Administration
Identifiers
URN: urn:nbn:se:sh:diva-18507OAI: oai:DiVA.org:sh-18507DiVA: diva2:609290
Subject / course
Business Studies
Presentation
2013-01-17, UB407, Alfred Nobels Allé, Huddinge, 10:20 (Swedish)
Uppsok
Social and Behavioural Science, Law
Supervisors
Examiners
Available from: 2013-03-28 Created: 2013-02-14 Last updated: 2013-03-28Bibliographically approved

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CiteExportLink to record
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Citation style
  • apa
  • ieee
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  • Other style
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Output format
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