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[{"key": "dc.contributor.advisor", "value": "Pellinen, Jukka", "language": "", "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.author", "value": "Juvonen, Lasse", "language": null, "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2016-09-14T15:00:59Z", "language": "", "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2016-09-14T15:00:59Z", "language": "", "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:1574708", "language": null, "element": "identifier", "qualifier": "other", "schema": "dc"}, {"key": "dc.identifier.uri", "value": "https://jyx.jyu.fi/handle/123456789/51365", "language": "", "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Tutkimuksen tarkoituksena on perehty\u00e4 kolmen suomalaisen rahoitusyhti\u00f6n sijoittajille tarjoamiin sijoitustuotteisiin. N\u00e4it\u00e4 sijoitustuotteita on mediassa luonnehdittu varsin riskipitoisiksi ja niihin sijoittamisen j\u00e4rkevyys on aiheeseen liittyv\u00e4ss\u00e4 median kirjoittelussa kyseenalaistettu. Rahoitusyhti\u00f6t tarjoavat sijoittajille \u00e4\u00e4nioikeudettomia etuoikeutettuja osakkeita, joille maksetaan kiinte\u00e4\u00e4 kuukausittaista osinkotuottoa, jonka suuruus vaihtelee sijoitusajan mukaan.\r\nTutkimuksen kohteena ovat vuonna 2011 t\u00e4m\u00e4n rahoitusmallin suurelle yleis\u00f6lle esitellyt OPR-Vakuus Oy sek\u00e4 vastaavanlaisen sijoitustuotteen markkinoille vuonna 2015 tuoneet Lainasto Oy sek\u00e4 Top Finance Oy. N\u00e4iden rahoitusyhti\u00f6iden ker\u00e4\u00e4mien sijoitusten kokonaism\u00e4\u00e4r\u00e4 lasketaan jo kymmeniss\u00e4 miljoonissa euroissa, mutta sijoituksiin liittyen on saatavilla varsin v\u00e4h\u00e4n puolueetonta tietoa.\r\nTutkimuksessa pyrit\u00e4\u00e4n perehtym\u00e4\u00e4n tarkemmin tutkimuksen kohteena oleviin rahoitusyhti\u00f6ihin sek\u00e4 niiden toimialaan kokonaisuudessaan. Asiaan perehtymisen kannalta yksi mielenkiintoinen seikka on aiheeseen liittyviss\u00e4 median kirjoituksissa esiintynyt toimialan suuren riskipitoisuuden painottaminen, mutta vastapainona t\u00e4lle yhti\u00f6iden sivuilla taasen esiintyy Asiakastiedon ja Kauppalehden vahvasta taloudellisesta asemasta kertovia sertifikaatteja. Rahoitusyhti\u00f6iden sijoittajaviestint\u00e4\u00e4n perehdyt\u00e4\u00e4n ensiksi tilinp\u00e4\u00e4t\u00f6sten tunnuslukujen pohjalta. T\u00e4m\u00e4n j\u00e4lkeen pyrit\u00e4\u00e4n arvioimaan tutkimuskohteiden sijoittajainformaation laatua, mik\u00e4 on varsin keskeisess\u00e4 asemassa n\u00e4iden sijoitustuotteiden osalta, koska listaamattomien osakeyhti\u00f6iden raportointivelvollisuudet ovat varsin v\u00e4h\u00e4isi\u00e4.\r\nTutkimuksen keskeinen havainto on se, ett\u00e4 rahoitusyhti\u00f6iden tunnuslukujen pohjalta voidaan havaita selvi\u00e4 viitteit\u00e4 toimialan riskipitoisuudesta, mutta toisaalta tutkimuksen kohteena olevat rahoitusyhti\u00f6t ovat kuitenkin menestyneet varsin hyvin. Tutkimuksessa havaittiin rahoitusyhti\u00f6iden sijoittajille maksaman osingon suuruuden olevan yhteydess\u00e4 yhti\u00f6n riskipitoisuuteen. T\u00e4m\u00e4n lis\u00e4ksi tutkimuksessa havaittiin yhteys rahoitusyhti\u00f6n alhaisemman riskipitoisuuden ja laadukkaamman taloudellisen raportoinnin v\u00e4lill\u00e4.", "language": "fi", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted using Plone Publishing form by Lasse Juvonen (lavajuvo) on 2016-09-14 15:00:59.012541. Form: Pro gradu -lomake (https://kirjasto.jyu.fi/julkaisut/julkaisulomakkeet/pro-gradu-lomake). JyX data: [jyx_publishing-allowed (fi) =False]", "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 2016-09-14T15:00:59Z\r\nNo. of bitstreams: 2\r\nURN:NBN:fi:jyu-201609144110.pdf: 948170 bytes, checksum: 529c5d97b45f90e1e6d394a9b6c641fc (MD5)\r\nlicense.html: 1135 bytes, checksum: 3932c6a6d59724d67df3f7aa72e72e46 (MD5)", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2016-09-14T15:00:59Z (GMT). No. of bitstreams: 2\r\nURN:NBN:fi:jyu-201609144110.pdf: 948170 bytes, checksum: 529c5d97b45f90e1e6d394a9b6c641fc (MD5)\r\nlicense.html: 1135 bytes, checksum: 3932c6a6d59724d67df3f7aa72e72e46 (MD5)\r\n Previous issue date: 2016", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.format.extent", "value": "1 verkkoaineisto (62 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.subject.other", "value": "pienlainat", "language": null, "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.title", "value": "Rahoitusyhti\u00f6t sijoituskohteina yksityissijoittajan n\u00e4k\u00f6kulmasta", "language": null, "element": "title", "qualifier": null, "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-201609144110", "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": "Jyv\u00e4skyl\u00e4 University School of Business and Economics", "language": "en", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Jyv\u00e4skyl\u00e4n yliopiston kauppakorkeakoulu", 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