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[{"key": "dc.contributor.advisor", "value": "Pehkonen, Jaakko", "language": "", "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.author", "value": "H\u00e4rk\u00f6nen, Henriikka", "language": "", "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2023-10-05T06:12:02Z", "language": null, "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2023-10-05T06:12:02Z", "language": null, "element": "date", "qualifier": "available", "schema": "dc"}, {"key": "dc.date.issued", "value": "2023", "language": "", "element": "date", "qualifier": "issued", "schema": "dc"}, {"key": "dc.identifier.uri", "value": "https://jyx.jyu.fi/handle/123456789/89388", "language": null, "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Pienet ja keskisuuret yritykset ovat merkitt\u00e4vi\u00e4 ty\u00f6llist\u00e4ji\u00e4 ja investointien \ntoteuttajia (Mercieca, Schaeck & Wolfe, 2009; Euroopan komissio 2023). Jo niiden \nyhteiskunnallisen merkitt\u00e4vyyden vuoksi on t\u00e4rke\u00e4\u00e4, ett\u00e4 investointeja varten on \nolemassa toimivat rahoitusmarkkinat. Yritysrahoitusmarkkinoilla onkin useita \neri toimijoita, jotka etsiv\u00e4t sopivaa hintaa rahoitukselle sen riskit ja \nkilpailutilanne huomioiden (Ho & Saunders, 1981). \nT\u00e4ss\u00e4 pro gradu -tutkielmassa selvitet\u00e4\u00e4n rahoitusmarginaalin vaikutusta \nyritysasiakkaan valintaan ottaa tarjottu luotto tietyst\u00e4 pankista. T\u00e4m\u00e4n lis\u00e4ksi \nopinn\u00e4ytety\u00f6 tuottaa tietoa muista valintaan vaikuttavista tekij\u00f6ist\u00e4. Yritysten \ninvestointip\u00e4\u00e4t\u00f6ksist\u00e4 on olemassa runsaasti tutkimustietoa, mutta \nvastaavanlaista tieteellist\u00e4 tutkimusta ei tutkielman tekij\u00e4n tietojen mukaan ole \nraportoitu. \nTutkimuksen tilastoaineisto on saatu merkitt\u00e4v\u00e4lt\u00e4 suomalaiselta pankilta. \nAineisto kuvaa luotonantajan tarjoamia kone- ja laitekaupparahoituksia vuosina \n2020\u20132022. Instrumenttimuuttujamallinnukseen ja logit-mallinnukseen \nperustuvien tulosten mukaan yhden prosenttiyksik\u00f6n nousu marginaalissa \nv\u00e4hent\u00e4\u00e4 luototuksen toteutumistodenn\u00e4k\u00f6isyytt\u00e4 5\u20139 prosenttia. Aiempi \nasiakassuhde puolestaan nostaa 21\u201323 prosenttia luoton \ntoteutumistodenn\u00e4k\u00f6isyytt\u00e4. Yritykset siis punnitsevat rahoittajan valintaa my\u00f6s \nmuiden tekij\u00f6iden kuin hinnan perusteella. Vaikka aineiston kattavuus \nmarkkinoista on korkea, tulosten luotettavuuteen ja yleistett\u00e4vyyteen on \nsuhtauduttava monin varauksin.", "language": "fi", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by Paivi Vuorio (paelvuor@jyu.fi) on 2023-10-05T06:12:02Z\nNo. of bitstreams: 0", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2023-10-05T06:12:02Z (GMT). No. of bitstreams: 0\n Previous issue date: 2023", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.format.extent", "value": "49", "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": null, "element": "rights", "qualifier": null, "schema": "dc"}, {"key": "dc.subject.other", "value": "yritysrahoitus", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "osamaksu", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "marginaali", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "instrumenttimuuttujamenetelm\u00e4", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "logistinen regressio", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.title", "value": "Rahoitusyhti\u00f6tuotteiden hinnoittelu ja rahoituksen toteutuminen : tuloksia yritystason aineistosta", "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-202310055418", "language": "", "element": "identifier", "qualifier": "urn", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Master\u2019s thesis", "language": "en", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Pro gradu -tutkielma", "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.collaborator", "value": "finance", "language": "", "element": "contractresearch", "qualifier": "collaborator", "schema": "yvv"}, {"key": "yvv.contractresearch.funding", "value": "Tekij\u00e4 palkkasuhteessa toimeksiantajaan. Oikeus tehd\u00e4 ty\u00f6t\u00e4 muun ty\u00f6n ohessa ty\u00f6ajalla.", "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.copyright", "value": "\u00a9 The Author(s)", "language": null, "element": "rights", "qualifier": "copyright", "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": "rahoitusyhti\u00f6t", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "leasing", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "rahoitus", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "yritykset", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "investoinnit", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "luotot", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "rahoitusmarkkinat", "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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