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[{"key": "dc.contributor.advisor", "value": "Tammelin, Mia", "language": "", "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.author", "value": "Ripatti, Henna", "language": "", "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2022-03-28T06:36:31Z", "language": null, "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2022-03-28T06:36:31Z", "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/123456789/80390", "language": null, "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "T\u00e4m\u00e4n tutkimuksen tarkoituksena oli koota yhteen ja analysoida tutkimuskirjallisuutta ylivelkaantumisen syist\u00e4 ja laajentaa ymm\u00e4rryst\u00e4 suomalaisten aikuisten taloudellisesta toimintakyvyst\u00e4. Tutkimuksessa ylivelkaantumista tarkastellaan taloussosiaality\u00f6n viitekehyksen kautta. Tarkemmin m\u00e4\u00e4ritelty tutkimuskysymys on ylivelkaantumisen syyt ja seuraukset sek\u00e4 taloudellinen toimintakyky.\n\nTutkimusmenetelm\u00e4n\u00e4 on k\u00e4ytetty kuvailevaa kirjallisuuskatsausta. Tutkimusaineisto koostui kahdeksasta suomenkielisest\u00e4 ja yhdest\u00e4 englanninkielisest\u00e4 julkaisusta. Aineiston analyysi on toteutettu teorial\u00e4ht\u00f6isen sis\u00e4ll\u00f6nanalyysin avulla. \n\nYlivelkaantumiselle ei ole olemassa virallista m\u00e4\u00e4ritelm\u00e4\u00e4. Sill\u00e4 viitataan tilanteeseen, jossa velkojen maksamiseen ei j\u00e4\u00e4 riitt\u00e4v\u00e4sti rahaa p\u00e4ivitt\u00e4isten menojen j\u00e4lkeen. Tuloihin perustuvan m\u00e4\u00e4ritelm\u00e4n mukaan henkil\u00f6 on ylivelkaantunut, jos velkaa on viisinkertaisesti vuosituloihin n\u00e4hden. Ylivelkaantumista voidaan m\u00e4\u00e4ritell\u00e4 my\u00f6s subjektiivisesti, jolloin ihminen arvioi itse pystyyk\u00f6 selviytym\u00e4\u00e4n veloista vai onko maksukyky alentunut.\n\nTaloudenhallinnan haasteet ja ylivelkaantuminen n\u00e4kyv\u00e4t sosiaality\u00f6n asiakkaiden el\u00e4m\u00e4ss\u00e4. Tulot ja menot eiv\u00e4t kohtaa, jos p\u00e4ivitt\u00e4isi\u00e4 kuluja ei saada katettua. Velkaantumisen taustalla saattaa olla useita tekij\u00f6it\u00e4, kuten taloudenhallinnan osaamattomuutta, ty\u00f6tt\u00f6myytt\u00e4, ylti\u00f6p\u00e4ist\u00e4 kuluttamista tai terveydellisi\u00e4 haasteita.\n\nTutkimustulosten mukaan ylivelkaantuminen on moniulotteinen ilmi\u00f6, jonka mittaaminen yhdell\u00e4 mittarilla on haastavaa. T\u00e4ll\u00e4 hetkell\u00e4 el\u00e4mme yhteiskunnassa, jossa k\u00e4teisen rahan k\u00e4ytt\u00f6 on v\u00e4hentynyt ja velalla ostaminen lis\u00e4\u00e4ntynyt. Uusien luottojen k\u00e4ytt\u00f6 vanhoista selvi\u00e4miseen on yleistynyt, joka lis\u00e4\u00e4 riski\u00e4 ylivelkaantumiseen. Velkaantuminen aiheuttaa h\u00e4pe\u00e4\u00e4, jolloin kynnys hakea apua kasvaa. Ylivelkaantumista tarkasteltaessa tunnistetaan ennaltaehk\u00e4isev\u00e4n ty\u00f6n merkitys. Taloudellisen haavoittuvuuden lis\u00e4\u00e4ntyminen vaatii t\u00e4sm\u00e4llisi\u00e4 toimia, kuten sosiaality\u00f6ntekij\u00f6iden talousosaamisen kehitt\u00e4mist\u00e4 sek\u00e4 moniammatillisen verkostoyhteisty\u00f6n vahvistamista.", "language": "fi", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by Paivi Vuorio (paelvuor@jyu.fi) on 2022-03-28T06:36:31Z\nNo. of bitstreams: 0", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2022-03-28T06:36:31Z (GMT). No. of bitstreams: 0\n Previous issue date: 2022", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.format.extent", "value": "38", "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.subject.other", "value": "taloudellinen toimintakyky", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.title", "value": "Ylivelkaantuminen : syyt ja seuraukset", "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-202203282075", "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": "openAccess", "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": "velkaantuminen", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "sosiaality\u00f6", "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"}]
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