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[{"key": "dc.contributor.advisor", "value": "Jokinen, Juho", "language": "", "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.author", "value": "J\u00e4rvinen, Akseli", "language": "", "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2022-06-28T10:50:05Z", "language": null, "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2022-06-28T10:50:05Z", "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/123456789/82062", "language": null, "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Suomalaisten korkeakouluopiskelijoiden voidaan havaita valmistuvan tutkinnostaan keskim\u00e4\u00e4rin vanhempina verrattuna muihin Pohjoismaihin tai OECD-maiden keskiarvoon.\nT\u00e4m\u00e4 tarkoittaa, ett\u00e4 suomalaiset korkeakouluopiskelijat siirtyv\u00e4t t\u00e4ysp\u00e4iv\u00e4iseen ty\u00f6el\u00e4m\u00e4\u00e4n suhteellisen my\u00f6h\u00e4\u00e4n, jonka johdosta he kerrytt\u00e4v\u00e4t elinkaarensa ajalta valtiolle v\u00e4hemm\u00e4n verotuloa. Lyhent\u00e4m\u00e4ll\u00e4 opiskelijoiden valmistumisaikoja pystytt\u00e4isiin lis\u00e4\u00e4m\u00e4\u00e4n valtion verotuloja pidemm\u00e4n ty\u00f6uran ja progressiivisesta tuloverotuksesta johtuvan korkeamman veroasteen my\u00f6t\u00e4.\nYhten\u00e4 keinona korkeakouluopiskelijoiden keskim\u00e4\u00e4r\u00e4isen valmistumisajan lyhent\u00e4miseksi Suomen valtio otti vuonna 2014 k\u00e4ytt\u00f6\u00f6n opintolainahyvitysj\u00e4rjestelm\u00e4n. Opintolainahyvityksen tavoitteena on kannustaa korkeakouluopiskelijoita valmistumaan tutkintonsa m\u00e4\u00e4r\u00e4ajassa luomalla taloudellinen kannustin m\u00e4\u00e4r\u00e4ajassa valmistumiselle. \nT\u00e4m\u00e4 kandidaatintutkielma pyrkii arvioimaan opintolainahyvitysmallin korkeakouluopiskelijoille luomia kannustinvaikutuksia. Apuna kannustinvaikutusten arvioinnissa \nk\u00e4ytet\u00e4\u00e4n teoriakirjallisuudesta saatavia johtop\u00e4\u00e4t\u00f6ksi\u00e4 sek\u00e4 aiempia tutkimuksia opiskelijoiden rahallisiin kannustimiin liittyen.\nTeoriakirjallisuuden pohjalta voidaan todeta opintolainahyvityksen kannustinmallin olevan perustellusti rakennettu ja todenn\u00e4k\u00f6isesti kannustavan opiskelijoita valmistumaan \nm\u00e4\u00e4r\u00e4ajassa. My\u00f6s opiskelijoiden taloudellisiin kannustimiin liittyvien tutkimusten perusteella voidaan ep\u00e4ill\u00e4 opintolainahyvityksen olevan tehokas keino valmistumisaikojen \nlyhent\u00e4miseksi. T\u00e4m\u00e4 tutkielma ei kuitenkaan pyri toteamaan kausaalisuhdetta opinto lainahyvitysj\u00e4rjestelm\u00e4n ja valmistumisaikojen lyhenemisen v\u00e4lill\u00e4. Opintolainahyvityksen kannustinvaikutusten tutkiminen ekonometrisin menetelmin on suositeltavaa t\u00e4ss\u00e4 \ntutkielmassa esitettyjen johtop\u00e4\u00e4t\u00f6sten vahvistamiseksi tai kumoamiseksi.", "language": "fi", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by Miia Hakanen (mihakane@jyu.fi) on 2022-06-28T10:50:04Z\nNo. of bitstreams: 0", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2022-06-28T10:50:05Z (GMT). No. of bitstreams: 0\n Previous issue date: 2022", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.format.extent", "value": "36", "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": "ep\u00e4symmetrinen informaatio", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.title", "value": "Opintolainahyvityksen kannustinvaikutukset", "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-202206283665", "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": "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": "Taloustiede", "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_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": "2041", "language": "", "element": "subject", "qualifier": "oppiainekoodi", "schema": "dc"}, {"key": "dc.subject.yso", "value": "opiskelijat", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "kannustimet", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "opintotuki", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "korkeakouluopiskelu", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "opintolainat", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "opinnot", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "korkeakoulut", "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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