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[{"key": "dc.contributor.advisor", "value": "H\u00e4kli, Helky", "language": "", "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.author", "value": "Koivisto, Ulla", "language": "", "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2022-03-21T06:08:39Z", "language": null, "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2022-03-21T06:08:39Z", "language": null, "element": "date", "qualifier": "available", "schema": "dc"}, {"key": "dc.date.issued", "value": "2022", "language": "", "element": "date", "qualifier": "issued", "schema": "dc"}, {"key": "dc.identifier.uri", "value": "https://jyx.jyu.fi/handle/123456789/80243", "language": null, "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Tutkielman tarkoituksena on selvitt\u00e4\u00e4 millaisia ongelmia ylivelkaantuminen aiheuttaa. Lis\u00e4ksi tarkastellaan tieteellisiss\u00e4 tutkimuksissa ehdotettuja keinoja ylivelkaantumisen ehk\u00e4isemiseksi. T\u00e4m\u00e4 tutkielma on toteutettu kirjallisuuskatsauksena, jonka aineistona on k\u00e4ytetty tieteellisi\u00e4 artikkeleita sek\u00e4 tieteellisen kirjoittamisen kriteerit t\u00e4ytt\u00e4vi\u00e4 selvitys- ja hankeraportteja. Mukana on kaksi kansainv\u00e4list\u00e4 artikkelia.\n\nTutkimusaineiston perusteella velkaantumiselle alttiita ryhmi\u00e4 ovat eronneet, maahanmuuttajat, suurten asuntolainojen lapsiperheet sek\u00e4 nuorten ja i\u00e4kk\u00e4iden ryhm\u00e4t. My\u00f6s pienituloisuus, v\u00e4h\u00e4inen taloudellinen varautuminen yll\u00e4tt\u00e4vien el\u00e4m\u00e4ntilanteiden varalle, mielenterveysongelmat, rahapelaaminen ja yleinen huono-osaisuus altistavat ylivelkaantumiselle. \n\nTarkasteltujen tutkimusten perusteella ylivelkaantuminen vaikuttaa terveyteen, lis\u00e4ten erityisesti diabeteksen ja psykoosien sairastavuutta. Ylivelkaantuminen heikent\u00e4\u00e4 hyvinvointia ja kuormittaa velkaantunutta niin taloudellisesti kuin henkisestikin, aiheuttaen muun muassa pelkoa, h\u00e4pe\u00e4\u00e4 ja ahdistusta. Ylivelkaantuminen vaikuttaa moneen el\u00e4m\u00e4n osa-alueeseen ja voi johtaa esimerkiksi opintojen keskeytt\u00e4miseen tai h\u00e4\u00e4t\u00f6\u00f6n omasta kodista. Rahapelaamisen ja ylivelkaantumisen n\u00e4hd\u00e4\u00e4n olevan tiiviiss\u00e4 yhteydess\u00e4 toisiinsa.\n\nTutkimuksissa esitet\u00e4\u00e4n lukuisia toimenpide-ehdotuksia ylivelkaantumisen ehk\u00e4isemiseksi. Rajoituksia toivotaan muun muassa rahoitusyritysten toimintatapoihin, kuten luottojen aggressiiviseen markkinointiin sek\u00e4 kulutusluottojen takaisinmaksuaikoihin ja korkotasoihin. Tutkijat ja haastatellut velka-alan asiantuntijat ehdottavat aiempaa avoimempaa keskustelua rahank\u00e4yt\u00f6st\u00e4 ja taloudenhallinnasta sek\u00e4 talouskasvatuksen lis\u00e4\u00e4mist\u00e4 kouluihin. Palveluiden osalta toivotaan enemm\u00e4n ennakoivaa, moniammatillista ja oikea-aikaista neuvontapalvelua sek\u00e4 lis\u00e4\u00e4 velkaj\u00e4rjestelymahdollisuuksia. Positiivisen luottorekisterin k\u00e4ytt\u00f6\u00f6noton odotetaan parantavan luotonottajan maksukyvyn arviointia. Ylip\u00e4\u00e4t\u00e4\u00e4n toivotaan enemm\u00e4n yhteiskunnallista keskustelua ylivelkaantumisen riskeist\u00e4 ja koko ilmi\u00f6st\u00e4.", "language": "fi", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by Miia Hakanen (mihakane@jyu.fi) on 2022-03-21T06:08:39Z\nNo. of bitstreams: 0", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2022-03-21T06:08:39Z (GMT). No. of bitstreams: 0\n Previous issue date: 2022", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.format.extent", "value": "40", "language": "", "element": "format", "qualifier": "extent", "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": "ylivelkaantuminen", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.title", "value": "\"Keinolla ja hinnalla mill\u00e4 hyv\u00e4ns\u00e4\" : kirjallisuuskatsaus ylivelkaantumisen aiheuttamista ongelmista", "language": "", "element": "title", "qualifier": null, "schema": "dc"}, {"key": "dc.type", "value": "bachelor thesis", "language": null, "element": "type", "qualifier": null, "schema": "dc"}, {"key": "dc.identifier.urn", "value": "URN:NBN:fi:jyu-202203211940", "language": "", "element": "identifier", "qualifier": "urn", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Bachelor's thesis", "language": "en", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Kandidaatinty\u00f6", "language": "fi", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Humanistis-yhteiskuntatieteellinen tiedekunta", "language": "fi", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Faculty of Humanities and 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": "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": "Sosiaality\u00f6", "language": "fi", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Social Work", "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_7a1f", "language": null, "element": "type", "qualifier": "coar", "schema": "dc"}, {"key": "dc.rights.accesslevel", "value": "restrictedAccess", "language": null, "element": "rights", "qualifier": "accesslevel", "schema": "dc"}, {"key": "dc.type.publication", "value": "bachelorThesis", "language": null, "element": "type", "qualifier": "publication", "schema": "dc"}, {"key": "dc.subject.oppiainekoodi", "value": "210", "language": "", "element": "subject", "qualifier": "oppiainekoodi", "schema": "dc"}, {"key": "dc.subject.yso", "value": "pikalainat", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "velkaantuminen", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "velat", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "maksuh\u00e4iri\u00f6t", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "kulutusluotot", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "velkaj\u00e4rjestely", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.rights.url", "value": "https://rightsstatements.org/page/InC/1.0/", "language": null, "element": "rights", "qualifier": "url", "schema": "dc"}, {"key": "dc.rights.accessrights", "value": "The author has not given permission to make the work publicly available electronically. Therefore the material can be read only at the archival workstation at Jyv\u00e4skyl\u00e4 University Library (https://kirjasto.jyu.fi/collections/archival-workstation).", "language": "en", "element": "rights", "qualifier": "accessrights", "schema": "dc"}, {"key": "dc.rights.accessrights", "value": "Tekij\u00e4 ei ole antanut lupaa avoimeen julkaisuun, joten aineisto on luettavissa vain Jyv\u00e4skyl\u00e4n yliopiston kirjaston arkistoty\u00f6semalta. Ks. https://kirjasto.jyu.fi/kokoelmat/arkistotyoasema..", "language": "fi", "element": "rights", "qualifier": "accessrights", "schema": "dc"}]
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