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[{"key": "dc.contributor.author", "value": "Hiipakka, Elina", "language": null, "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2016-06-19T18:25:11Z", "language": null, "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2016-06-19T18:25:11Z", "language": null, "element": "date", "qualifier": "available", "schema": "dc"}, {"key": "dc.date.issued", "value": "2016", "language": null, "element": "date", "qualifier": "issued", "schema": "dc"}, {"key": "dc.identifier.other", "value": "oai:jykdok.linneanet.fi:1545119", "language": null, "element": "identifier", "qualifier": "other", "schema": "dc"}, {"key": "dc.identifier.uri", "value": "https://jyx.jyu.fi/handle/123456789/50436", "language": null, "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Tutkimuksessa tarkastellaan suomalaisten ylivelkaantumisessa nykyisenlaisessa luotto- ja\r\nkulutusyhteiskunnassa, jossa luotonsaannin mahdollisuudet ovat laajat ja jossa esiintyy\r\nmy\u00f6s kuluttamiseen pakottavia tekij\u00f6it\u00e4. Tarkoituksena on selvitt\u00e4\u00e4, miten\r\nsosiodemografiset taustatekij\u00e4t selitt\u00e4v\u00e4t ylivelkaantumisen suhteen riskiryhm\u00e4ss\u00e4 olemista\r\nja ylivelkaantumisen subjektiivisen kokemuksen yhteytt\u00e4 toimintatapoihin, kun on ollut\r\ntaloudellisesti tiukkaa, sek\u00e4 kulutus- ja s\u00e4\u00e4st\u00e4misasenteisiin. Tutkimuksessa tarkastellaan\r\nsuomalaisten velkaantumisen ja ylivelkaantumisen kehityst\u00e4 ja sek\u00e4 ylivelkaantumiseen\r\najavia tekij\u00f6it\u00e4 aikaisemman tutkimuksen valossa.\r\nTutkimuksen aineistona k\u00e4ytet\u00e4\u00e4n Suomi 2014-kysely\u00e4, jossa kartoitetaan laajasti\r\nsuomalaisten kulutusta ja el\u00e4m\u00e4ntapaa. Kyselyss\u00e4 on ker\u00e4tty tietoja tuloista ja veloista,\r\njoiden perusteella havaintoyksik\u00f6ille laskettiin velkaantumisasteet ja joiden perusteella\r\nkyselyyn vastaajat jaettiin kahteen ryhm\u00e4\u00e4n: ylivelkaantumisriskiss\u00e4 oleviin ja muihin\r\nsuomalaisiin. Ylivelkaantumisesta oli objektiivisen mittaustavan lis\u00e4ksi k\u00e4yt\u00f6ss\u00e4 my\u00f6s\r\nsubjektiivinen m\u00e4\u00e4ritelm\u00e4. K\u00e4yt\u00e4n kyselyst\u00e4 kysymysosioita, joissa on kartoitettu\r\ntoimintaa, kun on ollut taloudellisesti tiukkaa, ja kuluttamiseen liittyvi\u00e4 asenteita.\r\nTutkimuksen analyysimenetelmin\u00e4 on k\u00e4ytetty p\u00e4\u00e4komponenttianalyysia, logistista\r\nregressioanalyysia ja varianssianalyysia.\r\nTutkimustulokseni esit\u00e4n analyysiosiossa ja useat demografiset tekij\u00e4t selitt\u00e4v\u00e4t\r\nylivelkaantumisen suhteen riskiryhm\u00e4ss\u00e4 olemista mukaillen aikaisempaa tutkimusta.\r\nToiminnan muodot taloudellisen puutteen kontekstissa olivat yleisempi\u00e4\r\nylivelkaantuneilla. Ylivelkaantuneet eiv\u00e4t erottuneet hedonistisempina tai aktiivisempina\r\nkuluttajina. Suomalaisilla ylivelkaantumista ei n\u00e4yt\u00e4 selitt\u00e4v\u00e4n vahva kulutusorientaatio.", "language": "", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted using Plone Publishing form by Elina Hiipakka (elmakahi) on 2016-06-19 18:25:11.170794. Form: Pro gradu -lomake (https://kirjasto.jyu.fi/julkaisut/julkaisulomakkeet/pro-gradu-lomake). JyX data: [jyx_publishing-allowed (fi) =True]", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by jyx lomake-julkaisija (jyx-julkaisija.group@korppi.jyu.fi) on 2016-06-19T18:25:11Z\nNo. of bitstreams: 2\nURN:NBN:fi:jyu-201606193208.pdf: 600957 bytes, checksum: c4317357840347e10356d69697aec7a1 (MD5)\nlicense.html: 4865 bytes, checksum: 6105dabd3736920d2126e6c061d05386 (MD5)", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2016-06-19T18:25:11Z (GMT). No. of bitstreams: 2\nURN:NBN:fi:jyu-201606193208.pdf: 600957 bytes, checksum: c4317357840347e10356d69697aec7a1 (MD5)\nlicense.html: 4865 bytes, checksum: 6105dabd3736920d2126e6c061d05386 (MD5)\n Previous issue date: 2016", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.format.extent", "value": "1 verkkoaineisto (71 sivua)", "language": null, "element": "format", "qualifier": "extent", "schema": "dc"}, {"key": "dc.format.mimetype", "value": "application/pdf", "language": null, "element": "format", "qualifier": "mimetype", "schema": "dc"}, {"key": "dc.language.iso", "value": "fin", "language": null, "element": "language", "qualifier": "iso", "schema": "dc"}, {"key": "dc.rights", "value": "In Copyright", "language": "en", "element": "rights", "qualifier": null, "schema": "dc"}, {"key": "dc.title", "value": "Suomalaisten ylivelkaantuminen : sosiodemografisten taustatekij\u00f6iden ja kulutuksen vaikutuksen tarkastelua", "language": null, "element": "title", "qualifier": null, "schema": "dc"}, {"key": "dc.title.alternative", "value": "Sosiodemografisten taustatekij\u00f6iden ja kulutuksen vaikutuksen tarkastelua", "language": null, "element": "title", "qualifier": "alternative", "schema": "dc"}, {"key": "dc.type", "value": "master thesis", "language": null, "element": "type", "qualifier": null, "schema": "dc"}, {"key": "dc.identifier.urn", "value": "URN:NBN:fi:jyu-201606193208", "language": null, "element": "identifier", "qualifier": "urn", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Pro gradu -tutkielma", "language": "fi", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Master\u2019s thesis", "language": "en", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Yhteiskuntatieteellinen tiedekunta", "language": "fi", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Faculty of Social Sciences", "language": "en", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.department", "value": "Yhteiskuntatieteiden ja filosofian laitos", "language": "fi", "element": "contributor", "qualifier": "department", "schema": "dc"}, {"key": "dc.contributor.department", "value": "Department of Social Sciences and Philosophy", "language": "en", "element": "contributor", "qualifier": "department", "schema": "dc"}, {"key": "dc.contributor.organization", "value": "University of Jyv\u00e4skyl\u00e4", "language": "en", "element": "contributor", "qualifier": "organization", "schema": "dc"}, {"key": "dc.contributor.organization", "value": "Jyv\u00e4skyl\u00e4n yliopisto", "language": "fi", "element": "contributor", "qualifier": "organization", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Sosiologia", "language": "fi", "element": "subject", "qualifier": "discipline", "schema": "dc"}, 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