{"id":80177,"date":"2025-03-24T17:30:05","date_gmt":"2025-03-24T16:30:05","guid":{"rendered":"https:\/\/lightweb.dev\/l\/svm-temp\/?p=80177"},"modified":"2025-03-24T20:05:56","modified_gmt":"2025-03-24T19:05:56","slug":"cash-is-king-fortsatt-i-spanien","status":"publish","type":"post","link":"https:\/\/lightweb.dev\/l\/svm-temp\/artiklar\/cash-is-king-fortsatt-i-spanien\/","title":{"rendered":"\u201cCash is king\u201d fortsatt i Spanien"},"content":{"rendered":"<p><strong>Trots ekonomisk kris och pandemi forts\u00e4tter majoriteten av spanjorerna med kontantbetalningar. Nu h\u00f6js allt fler r\u00f6ster f\u00f6r att \u00f6ka servicen med kontanter. Inte minst i samband med samh\u00e4llskriser.<\/strong><\/p>\n<p><strong>Men de Spaniensvenskar vi m\u00f6ter v\u00e4ljer digitala betalningsmetoder f\u00f6re kontanter.<\/strong><\/p>\n<p>Det var i samband med covid-19-pandemin f\u00f6r fem \u00e5r sedan som vi s\u00e5g en f\u00f6r\u00e4ndring i betalningsvanorna i Spanien. Betalning med bank- och kreditkort prioriterades f\u00f6r att undvika fysisk kontakt och hantering av mynt och sedlar.<\/p>\n<p>Fortsatt har en majoritet av spanjorerna pengar i fickan. \u00c5 andra sidan g\u00f6rs fler betalningar \u00e4n n\u00e5gonsin, \u00e4ven mindre summor, med kort och applikationer som Bizum. Antalet digitala betalningar \u00f6kade med 11,4 procent under f\u00f6rsta halv\u00e5ret 2024.<\/p>\n<p>Det genomsnittliga beloppet vid kortbetalning \u00e4r f\u00f6r f\u00f6rsta g\u00e5ngen under 30 euro, eller exakt 29 euro enligt landets Riksbank, Banco de Espa\u00f1a.<\/p>\n<p>I Spanien forts\u00e4tter de flesta att betala med mynt och sedlar och det finns tre sk\u00e4l: bekv\u00e4mlighet, vana och utgiftskontroll.<\/p>\n<h2><strong>Kung<\/strong><\/h2>\n<p>Forex grundare Rolf Friberg som var bosatt i Fuengirola under flera \u00e5r runt millennieskiftet sa i samband med en intervju i Svenska Magasinet:<\/p>\n<p>\u201dCash is king\u201d. Det var Fribergs ordspr\u00e5k. Kontanter var kung och spelade en viktig roll f\u00f6r v\u00e4xlingsf\u00f6retaget Forex som Rolf startade 1965 efter att ha kommit fr\u00e5n resebyr\u00e5branschen.<\/p>\n<div id=\"attachment_80169\" style=\"width: 910px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-80169\" class=\"wp-image-80169 size-full\" src=\"https:\/\/lightweb.dev\/l\/svm-temp\/wp-content\/uploads\/2025\/03\/svm20250311104312.webp\" alt=\"\" width=\"900\" height=\"400\" srcset=\"https:\/\/lightweb.dev\/l\/svm-temp\/wp-content\/uploads\/2025\/03\/svm20250311104312.webp 900w, https:\/\/lightweb.dev\/l\/svm-temp\/wp-content\/uploads\/2025\/03\/svm20250311104312-480x213.webp 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 900px, 100vw\" \/><p id=\"caption-attachment-80169\" class=\"wp-caption-text\">Vid Caf\u00e9bes\u00f6k \u00e5ker kontanterna fram. \u00c4ven hos Spaniensvenskar.<\/p><\/div>\n<p>Kontant eller kort, fr\u00e5gar tjejen i kassan. Vi accepterar bara kontanter. Vi tar helst kontanter. F\u00f6r att betala med kort, minst fem euro. Beskeden kan vara olika.<\/p>\n<p>Den som lyssnar p\u00e5 hur det l\u00e5ter i en butik eller p\u00e5 ett caf\u00e9 i Spanien j\u00e4mf\u00f6rt med Sverige f\u00f6rv\u00e5nas snabbt.<\/p>\n<h2><strong>Samh\u00e4llsskydd och beredskap<\/strong><\/h2>\n<p>Det finns m\u00e5nga teorier och analyser om mynt och sedlar i en v\u00e4rld som blir mer digitaliserad. Men att tro att kontanter bara ska f\u00f6rsvinna, ja, d\u00e5 kan det bli som i Sverige att myndigheterna blivit tvungna att uppmana landets inv\u00e5nare att ha kontanter hemma.<\/p>\n<p>Myndigheten f\u00f6r samh\u00e4llsskydd och beredskap (MSB) uppmanar alla att ha ungef\u00e4r 2.000 SEK i kontanter hemma i beredskapssyfte. Enligt MSB \u00e4r det bra med sm\u00e5 val\u00f6rer, s\u00e5 att man kan g\u00f6ra mindre ink\u00f6p \u00e4ven om det inte finns v\u00e4xelpengar.<\/p>\n<p>Sverige har runt tio miljoner inv\u00e5nare. Omkring en miljon lever i \u201ddigitalt utanf\u00f6rskap\u201d. \u00d6ver 300.000 \u00e4r \u00f6ver 65 \u00e5r. M\u00e5nga f\u00f6retag i Sverige accepterar inte kontanter. Skyltar som \u201dkontantfri butik\u201d har blivit en vanligare syn de senaste 15 \u00e5ren.<\/p>\n<p>Enligt svensk handel ska en butik som v\u00e4ljer att inte ha kontanter tydligt informera sina kunder om det. Om butiken inte accepterar kontanter eller kort som betalning s\u00e5 \u00e4r det till\u00e5tet, men butiken m\u00e5ste s\u00e4tta upp en skylt om detta och informera sina kunder i f\u00f6rv\u00e4g.<\/p>\n<h2><strong>Lokala vardagen<\/strong><\/h2>\n<p>I Spanien \u00e4r det ingen som tvivlar p\u00e5 att mynt och sedlar beh\u00f6vs, oavsett summan. Personligen anv\u00e4nder jag kontanter varje dag.<\/p>\n<p>Hos kvartersbutiker som bagerier, tidningskiosker, fiskaff\u00e4rer eller caf\u00e9er blir det mindre summor. 70 c\u00e9ntimos f\u00f6r br\u00f6d, 2 euro f\u00f6r morgontidningen, 3,80 euro f\u00f6r en nyf\u00e5ngad Mero och 1,40 euro f\u00f6r en caf\u00e9 cortado.<\/p>\n<p>Att betala sm\u00e5summor med kort, nej, det existerar knappast den lilla lokala vardagen i kvarteret. Det \u00e4r ocks\u00e5 en fr\u00e5ga om hur man har integrerat sig i det lokala samh\u00e4llet i Spanien.<\/p>\n<div id=\"attachment_80175\" style=\"width: 910px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-80175\" class=\"wp-image-80175 size-full\" src=\"https:\/\/lightweb.dev\/l\/svm-temp\/wp-content\/uploads\/2025\/03\/svm20250311104504.webp\" alt=\"\" width=\"900\" height=\"400\" srcset=\"https:\/\/lightweb.dev\/l\/svm-temp\/wp-content\/uploads\/2025\/03\/svm20250311104504.webp 900w, https:\/\/lightweb.dev\/l\/svm-temp\/wp-content\/uploads\/2025\/03\/svm20250311104504-480x213.webp 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 900px, 100vw\" \/><p id=\"caption-attachment-80175\" class=\"wp-caption-text\">Att shoppa loss i k\u00f6pcenter inneb\u00e4r att bank- och kreditkortet \u00e5ker fram.<\/p><\/div>\n<p>Trots den digitala verkligheten med plastkort i pl\u00e5nb\u00f6ckerna och betalningar via mobiltelefonen forts\u00e4tter kontanter att vara det betalningsmedel som spanjorerna anv\u00e4nder mest.<\/p>\n<p>Flera l\u00e4nder tittar p\u00e5 konsekvenserna av ett \u00f6verdrivet beroende av kortbetalningar. Vad h\u00e4nder i samband med st\u00f6rningar i samh\u00e4llet? Kriser och krig, \u00e4ldres f\u00f6rm\u00e5ga att hantera digitala betalningar, inv\u00e5nare p\u00e5 landsbygden, personer med funktionsneds\u00e4ttning, invandrare eller kvinnor som \u00e4r offer f\u00f6r k\u00f6nsrelaterat v\u00e5ld och som inte vill l\u00e4mna sp\u00e5r efter sig.<\/p>\n<p>Fr\u00e5gorna \u00e4r m\u00e5nga och t\u00e5l att granskas. F\u00f6r vissa fungerar kontanter som ett andrum.<\/p>\n<h2><strong>Majoritet<\/strong><\/h2>\n<p>Men det beh\u00f6ver inte vara samh\u00e4llskriser och krig som bidrar till kontantbetalningar.<\/p>\n<p>Den senaste unders\u00f6kningen \u201dEstudio sobre h\u00e1bitos en el uso del efectivo 2024\u201d visar att en majoritet, 57 procent, av spanjorerna betalar kontant varje dag. Unders\u00f6kningen \u00e4r publicerad av Spaniens riksbank, Banco de Espa\u00f1a.<\/p>\n<p>Hela \u00e5tta av tio spanjorer \u00e4r helt emot att kontanter f\u00f6rsvinner som betalningsmedel. Det g\u00e4ller inte minst i gruppen \u00e4ldre (89%) men \u00e4ven f\u00f6r l\u00e5ginkomsttagare (88%) och bland dem som anv\u00e4nder kontanter regelbundet. Det visar unders\u00f6kningen \u201dEncuesta sobre accesibilidad y permanencia del dinero en efectivo\u201d fr\u00e5n GAD3.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-80171 size-full\" src=\"https:\/\/lightweb.dev\/l\/svm-temp\/wp-content\/uploads\/2025\/03\/svm20250311104348.webp\" alt=\"\" width=\"900\" height=\"400\" srcset=\"https:\/\/lightweb.dev\/l\/svm-temp\/wp-content\/uploads\/2025\/03\/svm20250311104348.webp 900w, https:\/\/lightweb.dev\/l\/svm-temp\/wp-content\/uploads\/2025\/03\/svm20250311104348-480x213.webp 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 900px, 100vw\" \/><\/p>\n<p>Vad \u00f6nskar en majoritet av Spaniens inv\u00e5nare f\u00f6r att kontanter fortsatt ska kunna cirkulera? Hela 95 procent vill att uttags- och bankautomater ska finnas i alla kommuner liksom kontanttj\u00e4nster p\u00e5 postkontor (70%) men \u00e4ven att butiker ska erbjuda uttag, s\u00e5 kallad \u201dcashback\u201d.<\/p>\n<p>Att flera unders\u00f6kningar har gjorts den senaste tiden f\u00f6r att pejla spanjorerna inst\u00e4llning kring kontanter \u00e4r ett resultat av nedlagda bankkontor och uttagsautomater p\u00e5 landsbygden.<\/p>\n<p>Efter fastighetsbubblan och den ekonomiska krisen 2008 med l\u00e5gkonjunktur f\u00f6rsvann 30 procent av uttagsautomaterna i Spanien.<\/p>\n<h2><strong>\u00c5tg\u00e4rder<\/strong><\/h2>\n<p>\u201dInv\u00e5nare p\u00e5 landsbygden, \u00e4ldre m\u00e4nniskor och de som saknar digital kompetens har drabbats h\u00e5rdast av ekonomiskt utanf\u00f6rskap\u201d skriver spanska konkurrensverket CNMC (Comisi\u00f3n Nacional de los Mercados y la Competencia) i en rapport.<\/p>\n<p>Det \u00e4r en anledning till att konkurrensverket fr\u00e5n ifjol inf\u00f6rt \u00e5tg\u00e4rder som att postkontoren ska erbjuda kontanter men att \u00e4ven butiker ska kunna erbjuda \u201dcashback\u201d och \u201dcash-in-shop\u201d och bli alternativ och komplettera bankomater.<\/p>\n<p>\u201dCashback\u201d f\u00f6rekommer i andra l\u00e4nder. En kund betalar med sitt kort i en butik, men denne \u00f6nskar \u00e4ven kontanter. Kunden anger ett h\u00f6gre belopp \u00e4n varan och f\u00e5r tillbaka i kontanter.<\/p>\n<p>\u201dCash-in-shop\u201d kr\u00e4ver \u00e5 sin sida inte att kontantuttag kopplas till ett k\u00f6p. I en butik som erbjuder den tj\u00e4nsten kan kunden beg\u00e4ra att f\u00e5 ta ut pengar som i en bankomat.<\/p>\n<h2><strong>Inga st\u00f6rre f\u00f6r\u00e4ndringar<\/strong><\/h2>\n<div id=\"attachment_80176\" style=\"width: 910px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-80176\" class=\"wp-image-80176 size-full\" src=\"https:\/\/lightweb.dev\/l\/svm-temp\/wp-content\/uploads\/2025\/03\/svm20250311104556.webp\" alt=\"\" width=\"900\" height=\"400\" srcset=\"https:\/\/lightweb.dev\/l\/svm-temp\/wp-content\/uploads\/2025\/03\/svm20250311104556.webp 900w, https:\/\/lightweb.dev\/l\/svm-temp\/wp-content\/uploads\/2025\/03\/svm20250311104556-480x213.webp 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 900px, 100vw\" \/><p id=\"caption-attachment-80176\" class=\"wp-caption-text\">Det \u00e4r yngre m\u00e4nniskor som f\u00f6redrar kortbetalning f\u00f6re kontant betalning i Spanien.<\/p><\/div>\n<p>S\u00e5 hur ser den n\u00e4rmaste framtiden ut i Spanien n\u00e4r det kommer till betalningar? Enligt spanska Riksbanken blir det inga st\u00f6rre f\u00f6r\u00e4ndringar. Tv\u00e5 av tre s\u00e4ger att de forts\u00e4tter att betala\u00a0som tidigare.<\/p>\n<p>Uppfattningen kan variera n\u00e5got beroende p\u00e5 \u00e5lder. 39 procent av dem under 25 \u00e5r tror att betalning med mynt och sedlar minskar. Bland dem \u00f6ver 64 \u00e5r \u00e4r det bara tretton procent som tror att betalning med kontanter minskar.<\/p>\n<h1><strong>80 procent betalar med kort<\/strong><\/h1>\n<p>Spaniensvenskar v\u00e4ljer kortbetalning f\u00f6re kontant. Det visar Svenska Magasinets enk\u00e4t.<\/p>\n<p><strong>Danijela Stojanovi\u0107 och Erla Leifsd\u00f3ttir, Casa N\u00f3rdica<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-80170 size-full\" src=\"https:\/\/lightweb.dev\/l\/svm-temp\/wp-content\/uploads\/2025\/03\/svm20250311104329.webp\" alt=\"\" width=\"900\" height=\"400\" srcset=\"https:\/\/lightweb.dev\/l\/svm-temp\/wp-content\/uploads\/2025\/03\/svm20250311104329.webp 900w, https:\/\/lightweb.dev\/l\/svm-temp\/wp-content\/uploads\/2025\/03\/svm20250311104329-480x213.webp 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 900px, 100vw\" \/><\/p>\n<p>&#8211; Vi uppskattar att minst 80 procent betalar med kort. Det g\u00e4ller inte minst svenska ungdomar. Ibland f\u00e5r vi fr\u00e5gor fr\u00e5n \u00e4ldre personer om det \u00e4r m\u00f6jligt att betala med kontanter, och sj\u00e4lvklart tar vi emot kontanter. En del vill \u00e4ven bli av med kontanter i euro n\u00e4r de ska resa till Norden.<\/p>\n<p>&#8211; \u00c4ven en del egenf\u00f6retagare betalar kontant. Troligtvis har de i sin tur f\u00e5tt betalt i kontanter\u2026<\/p>\n<p>&#8211; F\u00f6r oss som butik blir det en extra kostnad vid kortbetalning d\u00e5 en avgift f\u00f6r kortterminalen tillkommer. Det kan vara ett fast pris eller en viss procent av varje k\u00f6p.<\/p>\n<p><strong>Anders Hansson, restaurante La Chispa<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-80167 size-full\" src=\"https:\/\/lightweb.dev\/l\/svm-temp\/wp-content\/uploads\/2025\/03\/svm20250311104235.webp\" alt=\"\" width=\"900\" height=\"400\" srcset=\"https:\/\/lightweb.dev\/l\/svm-temp\/wp-content\/uploads\/2025\/03\/svm20250311104235.webp 900w, https:\/\/lightweb.dev\/l\/svm-temp\/wp-content\/uploads\/2025\/03\/svm20250311104235-480x213.webp 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 900px, 100vw\" \/><\/p>\n<p>&#8211; Minst 85 procent av mina kunder betalar med kort. Kontantbetalning blir vid mindre summor som en kaffe eller n\u00e4r det ska l\u00e4mnas dricks. Under 10 euro s\u00e5 tar vi helst inte kort. Men har inte bes\u00f6karen kontanter s\u00e5 g\u00e5r det sj\u00e4lvklart bra att betala med kort.<\/p>\n<p>&#8211; Vi betalar runt tusen euro i avgift f\u00f6r kortterminalen.<\/p>\n<p><strong>Marie-Louise &amp; Berth Sundin, T\u00e4by<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-80168 size-full\" src=\"https:\/\/lightweb.dev\/l\/svm-temp\/wp-content\/uploads\/2025\/03\/svm20250311104257.webp\" alt=\"\" width=\"900\" height=\"400\" srcset=\"https:\/\/lightweb.dev\/l\/svm-temp\/wp-content\/uploads\/2025\/03\/svm20250311104257.webp 900w, https:\/\/lightweb.dev\/l\/svm-temp\/wp-content\/uploads\/2025\/03\/svm20250311104257-480x213.webp 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 900px, 100vw\" \/><\/p>\n<p>&#8211; Vi \u00e4r i Spanien en eller tv\u00e5 g\u00e5nger om \u00e5ret. Det blir kontanter n\u00e4r vi ska betala parkeringsavgifter. I \u00f6vrigt har jag inte anv\u00e4nt kontanter p\u00e5 fem \u00e5r, s\u00e4ger Berth.<\/p>\n<p>&#8211; Handlar man all mat p\u00e5 samma g\u00e5ng som vid k\u00f6pcentrum blir det kortbetalning via mobiltelefonen.<\/p>\n<p>&#8211; Jag har med kontanter. N\u00e4r det blir ink\u00f6p av blommor brukar det bli kontanter, s\u00e4ger Marie-Louise.<\/p>\n<p><strong>Margit Skoog, Pite\u00e5\/Fuengirola<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-80174 size-full\" src=\"https:\/\/lightweb.dev\/l\/svm-temp\/wp-content\/uploads\/2025\/03\/svm20250311104446.webp\" alt=\"\" width=\"900\" height=\"400\" srcset=\"https:\/\/lightweb.dev\/l\/svm-temp\/wp-content\/uploads\/2025\/03\/svm20250311104446.webp 900w, https:\/\/lightweb.dev\/l\/svm-temp\/wp-content\/uploads\/2025\/03\/svm20250311104446-480x213.webp 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 900px, 100vw\" \/><\/p>\n<p>&#8211; Jag anv\u00e4nder b\u00e5de kort och kontanter. Det 80 procent kort och 20 procent kontanter. Det blir kontanter n\u00e4r jag tar en kaffe ute eller k\u00f6per ett paket tuggummi.<\/p>\n<p>&#8211; Vid k\u00f6p p\u00e5 Mercadona blir det kortbetalning.<\/p>\n<h2><strong>Kontanter i siffror<\/strong><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-80173 size-full\" src=\"https:\/\/lightweb.dev\/l\/svm-temp\/wp-content\/uploads\/2025\/03\/svm20250311104429.webp\" alt=\"\" width=\"900\" height=\"400\" srcset=\"https:\/\/lightweb.dev\/l\/svm-temp\/wp-content\/uploads\/2025\/03\/svm20250311104429.webp 900w, https:\/\/lightweb.dev\/l\/svm-temp\/wp-content\/uploads\/2025\/03\/svm20250311104429-480x213.webp 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 900px, 100vw\" \/><\/p>\n<p>Spanjorerna tog ut 125 miljoner euro fr\u00e5n uttags- och bankautomater under det senaste \u00e5ret. Det var en \u00f6kning med 4 procent.<\/p>\n<p>Det fanns 43.166 uttagsautomater 2024. 2009 var det 62.000.<\/p>\n<p>91,5 miljoner betal- och kreditkort anv\u00e4nds i Spanien. Det \u00e4r n\u00e4stan dubbelt s\u00e5 m\u00e5nga som antalet inv\u00e5nare.<\/p>\n<p>Bland personer fr\u00e5n 54 \u00e5r i Spanien \u00e4r kontanter i majoritet som betalningsmedel. Personer mellan 25 och 54 \u00e5r anv\u00e4nder betal- eller kreditkort. Ungdomar anv\u00e4nder mobilen f\u00f6r att betala med.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Trots ekonomisk kris och pandemi forts\u00e4tter majoriteten av spanjorerna med kontantbetalningar. Nu h\u00f6js allt fler r\u00f6ster f\u00f6r att \u00f6ka servicen med kontanter. Inte minst i samband med samh\u00e4llskriser. Men de Spaniensvenskar vi m\u00f6ter v\u00e4ljer&#8230;<\/p>\n","protected":false},"author":7,"featured_media":80172,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[396,4],"tags":[],"class_list":["post-80177","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-arkiv-artiklar","category-artiklar"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.2 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\u201cCash is king\u201d fortsatt i Spanien - Svenska Magasinet<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"sv_SE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u201cCash is king\u201d fortsatt i Spanien\" \/>\n<meta property=\"og:description\" content=\"Trots ekonomisk kris och pandemi forts\u00e4tter majoriteten av spanjorerna med kontantbetalningar. Nu h\u00f6js allt fler r\u00f6ster f\u00f6r att \u00f6ka servicen med kontanter. Inte minst i samband med samh\u00e4llskriser. 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