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[{"key": "dc.contributor.advisor", "value": "B\u00f6ckerman, Petri", "language": "", "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.advisor", "value": "Viinikainen, Jutta", "language": "", "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.author", "value": "Hirvonen, Joonas", "language": "", "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2018-10-22T10:32:32Z", "language": null, "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2018-10-22T10:32:32Z", "language": null, "element": "date", "qualifier": "available", "schema": "dc"}, {"key": "dc.date.issued", "value": "2018", "language": "", "element": "date", "qualifier": "issued", "schema": "dc"}, {"key": "dc.identifier.uri", "value": "https://jyx.jyu.fi/handle/123456789/59898", "language": null, "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "On t\u00e4rke\u00e4\u00e4 tiedostaa taloudelliseen p\u00e4\u00e4t\u00f6ksentekoon vaikuttavat tekij\u00e4t, jotta on mahdollista auttaa ihmisi\u00e4 tekem\u00e4\u00e4n parempia p\u00e4\u00e4t\u00f6ksi\u00e4. Samalla tavalla taloudellisen hyvinvoinnin edist\u00e4miseksi on tiedett\u00e4v\u00e4 hyvinvointiin vaikuttavat tekij\u00e4t. T\u00e4m\u00e4 tutkielma selvitt\u00e4\u00e4 itsehillinn\u00e4n ja optimismin rooleja taloudellisen k\u00e4ytt\u00e4ytymisen ja hyvinvoinnin taustalla. Lis\u00e4ksi se tutkii asuntos\u00e4\u00e4st\u00f6palkkiotilin (ASP-tili) mahdollisuutta toimia itsehillint\u00e4mekanismina.\nTutkimusta varten suoritettiin online-kysely, joka sis\u00e4lsi kysymyksi\u00e4 v\u00e4est\u00f6tiedoista, ASP-tilin tuntemuksesta ja k\u00e4yt\u00f6st\u00e4. Lis\u00e4ksi kysely sis\u00e4lsi kysymyksi\u00e4 ja v\u00e4itt\u00e4mi\u00e4, joiden avulla arvioitiin vastaajien taloudellista k\u00e4ytt\u00e4ytymist\u00e4, taloudellista hyvinvointia, itsehillint\u00e4\u00e4, optimismia ja talouslukutaitoa. Vastaajat olivat kaikki Jyv\u00e4skyl\u00e4n yliopiston opiskelijoita, joista rajattiin i\u00e4n perusteella (18-29-vuotias) 903 vastaajan otos.\nTutkimustulokset osoittavat itsehillinn\u00e4ll\u00e4 olevan tilastollisesti merkitsev\u00e4 positiivinen yhteys taloudelliseen k\u00e4ytt\u00e4ytymiseen ja taloudelliseen hyvinvointiin. Lis\u00e4ksi optimismilla ja taloudellisella hyvinvoinnilla on selv\u00e4sti positiivinen yhteys. Sen sijaan talouslukutaidolla ei ole tilastollisesti merkitsev\u00e4\u00e4 yhteytt\u00e4 taloudelliseen k\u00e4ytt\u00e4ytymiseen, mutta sill\u00e4 on negatiivinen yhteys taloudelliseen huoleen. N\u00e4in ollen talouslukutaito korreloi positiivisesti taloudellisen hyvinvoinnin kanssa. Tutkimustulokset paljastavat my\u00f6s mielenkiintoisen yhteyden sukupuolen ja taloudellisen hyvinvoinnin v\u00e4lill\u00e4. Naisten hyvinvointi osoittautui heikommaksi kuin miesten, vaikka taloudellisessa k\u00e4ytt\u00e4ytymisess\u00e4 ole tilastollisesti merkitsev\u00e4\u00e4 eroa. Tutkimustulosten mukaan vastaajat ilman ASP-tili\u00e4 s\u00e4\u00e4st\u00e4v\u00e4t harvemmin kuin vastaajat joilla on ASP-tili. N\u00e4in ollen on mahdollista, ett\u00e4 ASP-tili toimii itsehillint\u00e4mekanismina.\nT\u00e4m\u00e4n tutkielman tulokset korostavat psykologisten tekij\u00f6iden (erityisesti itsehillint\u00e4 ja optimismi) merkitt\u00e4v\u00e4\u00e4 roolia taloudellisen k\u00e4ytt\u00e4ytymisen ja taloudellisen hyvinvoinnin taustalla.", "language": "fi", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.abstract", "value": "To help people to make better financial decisions, it is crucial to understand the factors that influence financial behavior. Similarly, to improve financial well-being, it is important to know the factors related to it. This thesis aims to investigate the roles of self-control and optimism behind financial behavior and financial well-being. Moreover, this thesis explores the possibility of an asuntos\u00e4\u00e4st\u00f6palkkio (ASP) account to work as a self-control mechanism.\nFor this study, an online survey was conducted and a sample of 903 participants was gathered. The survey included questions on demographics and regarding ASP accounts, scales measuring self-control, optimism, financial behavior, financial literacy, financial anxiety and financial security. The sample consisted of young Finnish adults (aged 18-29) studying at the university of Jyv\u00e4skyl\u00e4.\nThe findings in this thesis present self-control to be positively related to financial behavior and financial well-being. There is a significant positive relationship between optimism and financial well-being. Furthermore, financial literacy is not related to financial behavior, but it is negatively related to financial anxiety; therefore, it is positively related to financial well-being. An interesting finding was a gender effect. The results show women to have lower lever of financial well-being than men. The results suggest that an ASP account could work as a self-control mechanism, since participants who had an ASP account saved more frequently than the ones without.\nIn sum, the findings in this thesis highlight the significant role of psychological factors, namely self-control and optimism, behind financial behavior and well-being.", "language": "en", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by Riitta Pitk\u00e4nen (rpitkane@jyu.fi) on 2018-10-22T10:32:32Z\nNo. of bitstreams: 0", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2018-10-22T10:32:32Z (GMT). No. of bitstreams: 0\n Previous issue date: 2018", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.format.extent", "value": "65", "language": "", "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": "eng", "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": "financial behavior", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "financial well-being", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "self-control", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "optimism", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "financial literacy", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "self-control mechanism", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "taloudellinen k\u00e4ytt\u00e4ytyminen", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "taloudellinen hyvinvointi", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "itsehillint\u00e4", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "ASP", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "talouslukutaito", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "asuntos\u00e4\u00e4st\u00f6palkkio", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "itsehillint\u00e4mekanismi", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.title", "value": "Financial behavior and well-being of young adults : effects of self-control and optimism", "language": "", "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-201810224480", "language": "", "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", "language": "fi", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.department", "value": "Taloustieteet", "language": "fi", "element": "contributor", "qualifier": "department", "schema": "dc"}, {"key": "dc.contributor.department", "value": "Business and Economics", "language": "en", "element": "contributor", "qualifier": "department", "schema": "dc"}, {"key": "dc.contributor.organization", "value": "Jyv\u00e4skyl\u00e4n yliopisto", "language": "fi", "element": "contributor", "qualifier": "organization", "schema": "dc"}, {"key": "dc.contributor.organization", "value": "University of Jyv\u00e4skyl\u00e4", "language": "en", "element": "contributor", "qualifier": "organization", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Kansantaloustiede", "language": "fi", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Economics", "language": "en", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "yvv.contractresearch.funding", "value": "0", "language": "", "element": "contractresearch", "qualifier": "funding", "schema": "yvv"}, {"key": "dc.type.coar", "value": "http://purl.org/coar/resource_type/c_bdcc", "language": null, "element": "type", "qualifier": "coar", "schema": "dc"}, {"key": "dc.rights.accesslevel", "value": "openAccess", "language": null, "element": "rights", "qualifier": "accesslevel", "schema": "dc"}, {"key": "dc.type.publication", "value": "masterThesis", "language": null, "element": "type", "qualifier": "publication", "schema": "dc"}, {"key": "dc.subject.oppiainekoodi", "value": "2041", "language": "", "element": "subject", "qualifier": "oppiainekoodi", "schema": "dc"}, {"key": "dc.subject.yso", "value": "optimismi", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "asuntos\u00e4\u00e4st\u00e4minen", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "opiskelijat", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "talous", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "optimism", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "saving for a home", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "students", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "economy", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.format.content", "value": "fulltext", "language": null, "element": "format", "qualifier": "content", "schema": "dc"}, {"key": "dc.rights.url", "value": "https://rightsstatements.org/page/InC/1.0/", "language": null, "element": "rights", "qualifier": "url", "schema": "dc"}, {"key": "dc.type.okm", "value": "G2", "language": null, "element": "type", "qualifier": "okm", "schema": "dc"}]
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