Räntefritt sparande
: en kvalitativ studie som berör svenska bankers förhållningssätt till räntefritt sparande

Translated title of the thesis: Interest-free savings: a qualitative study involving Swedish banks' approach to interest-free savings
  • Amina Bektasevic
  • Shqiponja Metaj

    Student thesis: Bachelor


    The demand for interest-free banking services has increased in Sweden. This is mostly due to an increased number of immigrants that practices religious principles in their everyday lives. This has also resulted in more individuals choosing to avoid large loans and savings when it goes against their religion. One example is when individuals want to buy a house and, instead of investing by taking large loans from banks they are turning to friends and relatives.

    One of the most significant factors to why conventional banks don’t develop interest- free savings options is because of legal inferences. Historically, the traditional system of banking has existed for a very long time, resulting in an effective regulatory and supervisory body. Even if there are banks that concider the development of interest-free savings, a greater demand would be required for it to come about.

    The purpose of this thesis is to investigate how conventional banks relate to interest- free savings and the surroundings both in terms of how other banks and financial players, influence the banks. An abductive approach has been used along with hermeneutics as well as a qualitative method. The choice has landed on this to get a deeper understanding of an area that is not well explored. In order to fill the important gaps in the literature and to fill the purpose of this study, six interviews were performed.

    Findings from the study shows that banks have different ways of offering customers interest- free savings. However, they do not have a turnkey product without designing trough customer needs. While this study shows that banks are affected greatly by what other banks are developing and changing, it also affected by new regulations and laws from financial participants as FSA. The biggest impact on banks is that the work has been limited much more than it was before, which has led more employees working differently to be able to achieve the objectives they have.


    Date of Award2014-Nov-12
    Original languageSwedish
    SupervisorHeléne Tjärnemo (Supervisor) & Pernilla Broberg (Examiner)

    Educational program

    • Degree of Bachelor of Science in Business and Economics

    University credits

    • 15 HE credits

    Swedish Standard Keywords

    • Business Administration (50202)


    • conventional banks
    • interest-free savings
    • demand
    • environmental
    • regulatory
    • sweden

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