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[{"key": "dc.contributor.advisor", "value": "Junttila, Juha-Pekka", "language": "", "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.author", "value": "Kein\u00e4nen, Veikka", "language": "", "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2022-09-08T05:40:53Z", "language": null, "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2022-09-08T05:40:53Z", "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/123456789/83148", "language": null, "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Rahoitusmarkkinoiden ja -instituutioiden viimeaikainen kehitys asettaa entist\u00e4 suuremmat vaatimukset kuluttajan talousosaamiselle ja talouslukutaidolle. Viime aikoina talouslukutaito onkin alkanut saamaan huomiota niin politiikassa kuin akateemisessa tutkimuksessakin. Kaikesta huolimatta tutkimus talouslukutaidon vaikutuksesta yhteen kuluttajan merkitt\u00e4vimmist\u00e4 taloudellisista p\u00e4\u00e4t\u00f6ksist\u00e4, asuntolainan valintaan, on edelleen v\u00e4h\u00e4ist\u00e4. T\u00e4m\u00e4 pro gradu -tutkielma k\u00e4sittelee talouslukutaidon vaikutuksia asuntolainapankin ja -tarjouksen valintaan. Tutkielmassa esitell\u00e4\u00e4n nelj\u00e4 limited dependent variable -malliperheen tilastollista mallia k\u00e4ytt\u00e4en suomalaisilta asuntovelallisilta ker\u00e4tty\u00e4 kyselytytkimusaineistoa. Mallien avulla selitet\u00e4\u00e4n talouslukutaidon vaikutuksia kuluttajan todenn\u00e4k\u00f6isyyteen kilpailuttaa asuntolainansa, sek\u00e4 sit\u00e4, kuinka merkitt\u00e4v\u00e4ksi tekij\u00e4ksi hakija kokee erilaiset lainatarjouksen ominaisuudet ja mill\u00e4 perusteella vastaaja lopulta p\u00e4\u00e4tyi valitsemaan pankkinsa. Empiiristen tulosten perusteella talouslukutaitoiset asuntovelalliset kykenev\u00e4t paremmin tulkitsemaan lainatarjoukseen liittyvi\u00e4 rahallisia etuja ja ehtoja, ja p\u00e4\u00e4tyv\u00e4t t\u00e4ten valitsemaan asuntolainapankkinsa edullisimman tarjouksen perusteella. Heikomman talouslukutaidon omaavat asuntovelalliset taas antavat enemm\u00e4n painoarvoa muille pankin tarjoamille rahoituspalveluille ja seikoille, jotka eiv\u00e4t suoraan liity haettavan asuntolainan ehtoihin. Heikomman talousosaamisen omaavat asuntovelalliset siis todenn\u00e4k\u00f6isesti arvostavat rahoituspalveluiden keskitt\u00e4misen tuomaa helppoutta. Tutkielmassa annetaan ehdotuksia, kuinka suomalaiset pankit pystyisiv\u00e4t paremmin auttamaan heikon talouslukutaidon omaavia kuluttajia tekem\u00e4\u00e4n rationaalisempia p\u00e4\u00e4t\u00f6ksi\u00e4 asuntolainaa valitessaan. Kaiken keski\u00f6ss\u00e4 on vastuullinen ja selke\u00e4 viestint\u00e4.", "language": "fi", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.abstract", "value": "The development of financial markets and institutions has placed increasing demands on consumers' financial literacy. Therefore, financial literacy has gained attention both in academic research and in policymaking. However, the literature on the effects of financial literacy on one of the consumer\u2019s most important financial decisions, mortgage choice, has remained scarce. This thesis examines the effects of financial literacy on the selection between mortgage lenders and loan offers. Using online survey data of Finnish mortgage borrowers, limited dependent variable models are estimated to explain how financial literacy affects the probability of putting the mortgage application out for tender, perceived importance of various loan offer characteristics, and bank selection determinants. The empirical results indicate that financially literate mortgage borrowers are better able to evaluate the monetary attributes of the loan offer and eventually make their mortgage lender choice strictly based on the true cost of the loan. However, financially illiterate borrowers give more weight to the loan offer attributes and financial services not related to the loan, possibly valuing the convenience of concentrating financial services on one institution. The research suggests that banks can help financially illiterate borrowers make better mortgage choices. It all comes down to reliable, clear communication.", "language": "en", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by Paivi Vuorio (paelvuor@jyu.fi) on 2022-09-08T05:40:53Z\nNo. of bitstreams: 0", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2022-09-08T05:40:53Z (GMT). No. of bitstreams: 0\n Previous issue date: 2022", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.format.extent", "value": "54", "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 literacy", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "mortgage", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "mortgage lender selection", "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": "talousosaaminen", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "asuntolainapankin valinta", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.title", "value": "Financial literacy and mortgage lender selection : evidence from Finland", "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-202209084506", "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": "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.collaborator", "value": "finance", "language": "", "element": "contractresearch", "qualifier": "collaborator", "schema": "yvv"}, {"key": "yvv.contractresearch.funding", "value": "3310,80\u20ac", "language": "", "element": "contractresearch", "qualifier": "funding", "schema": "yvv"}, {"key": "yvv.contractresearch.initiative", "value": "student", "language": "", "element": "contractresearch", "qualifier": "initiative", "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": "pankit", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "asuntolainat", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "banks (monetary institutions)", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "housing loans", "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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