Haku
Viitteet 2071-2080 / 2981
Pääomaturvatut sijoitustuotteet Suomessa vuosina 2004 - 2013
(Laurea-ammattikorkeakoulu, 2013)
Tämä opinnäytetyö käsittelee Suomessa vuosina 2004 – 2011 liikkeeseenlaskettuja ja 2007 – 2013 erääntyneitä strukturoituja ja pääomaturvattuja sijoitustuotteita. Pääomaturvatulla sijoitustuotteella tarkoitetaan sitä, että sijoittajalle palautetaan...
The subject of this thesis is structured capital secured investments in Finland which were issued in 2004-2012 and which matured in 2007-2013. A capital secured investment is a product designed to repay the original investment at the end of loan period. Structured investments consist of different kinds of components which are sold as one product. By changing these different components it is possible to offer a variety of investment products on the market. The investment period varies from a few months to ten years. There are different operators on the market, such as the issuer, organizer and the actual seller of the product itself. The issuers and sellers in this study are Evli Pankki Oyj, FIM Pankki Oyj, Front Capital Oyj, Handelsbanken Suomi, Nordea Pankki Suomi Oyj, OP-Pohjola and SEB. The organizers are Barclays Bank PLC, Credit Suisse Group AG, Deutsche Bank, ING Bank, J.P.Morgan, Merrill Lynch, NATIXIS, The Royal Bank of Scotland plc and UBS. The research problem examined in the thesis concerns the amount of the return of capital secured investment products. Quantitative research methods were used in this study, and in order to structure the thesis the results are presented as figures and charts. The theoretical framework of the study consists of the history of capital secured investment products and the structure of those products. The next section of the thesis presents the formulas used in calculating the returns, followed by a description of the taxation of bonds in Finland. The final part of the framework deals with the risks involving capital secured investment products. There were 225 products examined in this research. The fourth chapter of the thesis report consists of the research itself and the findings. In the results there are presented the earned profits and also the most profitable products. The underlying securities and the target market used in structuring the products are described in this part. By investing in the products presented in this thesis the investors did not gain outstanding earnings. On average the profit margin was 1.87% per annum. The majority of the products were global investments and the most popular underlying securities were different kinds of share index and share baskets....
The subject of this thesis is structured capital secured investments in Finland which were issued in 2004-2012 and which matured in 2007-2013. A capital secured investment is a product designed to repay the original investment at the end of loan period. Structured investments consist of different kinds of components which are sold as one product. By changing these different components it is possible to offer a variety of investment products on the market. The investment period varies from a few months to ten years. There are different operators on the market, such as the issuer, organizer and the actual seller of the product itself. The issuers and sellers in this study are Evli Pankki Oyj, FIM Pankki Oyj, Front Capital Oyj, Handelsbanken Suomi, Nordea Pankki Suomi Oyj, OP-Pohjola and SEB. The organizers are Barclays Bank PLC, Credit Suisse Group AG, Deutsche Bank, ING Bank, J.P.Morgan, Merrill Lynch, NATIXIS, The Royal Bank of Scotland plc and UBS. The research problem examined in the thesis concerns the amount of the return of capital secured investment products. Quantitative research methods were used in this study, and in order to structure the thesis the results are presented as figures and charts. The theoretical framework of the study consists of the history of capital secured investment products and the structure of those products. The next section of the thesis presents the formulas used in calculating the returns, followed by a description of the taxation of bonds in Finland. The final part of the framework deals with the risks involving capital secured investment products. There were 225 products examined in this research. The fourth chapter of the thesis report consists of the research itself and the findings. In the results there are presented the earned profits and also the most profitable products. The underlying securities and the target market used in structuring the products are described in this part. By investing in the products presented in this thesis the investors did not gain outstanding earnings. On average the profit margin was 1.87% per annum. The majority of the products were global investments and the most popular underlying securities were different kinds of share index and share baskets....
Henkilöarvioinnin tehostaminen kohdeorganisaation rekrytoinnissa
(Laurea-ammattikorkeakoulu, 2013)
Tämä opinnäytetyön aihe on henkilöarvioinnin tehostamisen. Työn tavoite on luoda kohdeor-ganisaatiolle työhaastattelun rinnalle yksinkertaistettu arvioinnin väline, joka tehostaa henki-löarviointia työhönottotilanteessa. Työ käsittelee henkilöarviointia käsitteenä sekä siihen käy-tettäviä eri menetelmiä ja arviointiprosessia. Työ on luonteeltaan toiminnallinen, eli se on tehty projektimuotoisena.
Työn kohdeorganisaatio, Nooa Säästöpankki, on suomalainen pääkaupunkiseudulla toimiva Säästöpankki, joka muodostuu yhteensä 9 konttorista Helsingissä, Vantaalla, Espoossa, Keravalla ja Järvenpäässä. Vuoden 2012 kesäkuussa Nooa Säästöpankki työllisti yhteensä 82 henkilöä.
Opinnäytetyön teoriaosassa käsitellään pääosin henkilöarviointia ja rekrytointia ja se pyrkii määrittelemään henkilöarvioinnin osa-alueita työn tarkoituksen vaatimalla tasolla. Työn toi-minnallinen, eli projektiosa muodostuu seuraamalla ja toteuttamalla henkilöarviointiprosessin kaavaa kerätyn teoriatiedon pohjalta. Siinä hyödynnetään lisäksi kohdeyrityksen talousjohtajalta haastattelun avulla kerättyä tietoa sekä pankin sisäistä ja ulkoista materiaalia.
Opinnäytetyöprosessin tuloksena luotiin lomakemuotoinen itsearviointitesti, jota kohdeor-ganisaatiossa voidaan käyttää rekrytoinnissa valintapäätöksen tukena työhaastattelun rinnalla. Itsearviointilomake ja sen tulosten tulkinta perustuu viiden persoonallisuuden pääpiirteen –teoriaan. Lomakkeen tulosten avulla voidaan hahmottaa työnhakijan persoonallisuutta viidellä eri osa-alueella ja näin ollen arvioida henkilön soveltuvuutta organisaatioon ja tehtävään. Arviointiväline on suunnattu tukemaan ja täydentämään haastattelun avulla saatuja tietoja työnhakijasta.
Valmiin tuotoksen arviointi oli tarkoitus toteuttaa pyytämällä kohdeyrityksen edustajalta pa-lautetta. Edustajan esteistä johtuen palautetta ei kuitenkaan saatu tarpeeksi ajoissa, jotta se olisi saatu liitettyä työhön. Opinnäytetyön tulokset täyttävät kohdeyritykseen edustajan kanssa projektin alussa määritellyt työn tavoitteet, joten toivottavaa on, että kohdeyritys saa projektin tuotoksesta käyttökelpoisen apuvälineen henkilöarvioinnin suorittamiseksi tulevaisuudessa....
section of the thesis consists of the aspects of the personnel assessment project based on the theory of the thesis. The practical section also uses the information given by the target organization’s financial manager when interviewing her and some...
section of the thesis consists of the aspects of the personnel assessment project based on the theory of the thesis. The practical section also uses the information given by the target organization’s financial manager when interviewing her and some...
Perehdytyskansio FCG Koulutus Oy:lle
(Laurea-ammattikorkeakoulu, 2013)
Tämän opinnäytetyön aiheena oli tuottaa perehdytyskansio FCG Koulutus Oy:lle. Kansion tarkoituksena on toimia uuden työntekijän perehdyttämisen tukimateriaalina ja jo pidempään talossa työskennelleille tietopankkina. Kansio ...
Mikä Suomen me&i-myyjiä motivoi?
(Laurea-ammattikorkeakoulu, 2013)
Suomen me&i-myyjistä noin 91 % luonnehti omaa motivaatiotaan me&i -työtä kohtaan arvolla 4 tai 5 arviointiasteikon ollessa 1-5. Ulkoisesti merkittävimmiksi motivaatiotekijöiksi koettiin me&i tuotemerkkinä ja provisio. Sisäisesti merkittävimmäksi...
Which factors motivate the sales representatives of me&i in Finland? Me&i was established in 2004. At present it operates in five European countries selling clothes to its customers via home parties. This research was designed to examine the factors which affect the motivation of the Finnish sales representatives of me&i, as no prior research has been done in this area. The objectives of the research were to establish the level of motivation of the sales representatives of me&i in Finland, the factors which decreased their work motivation and the factors which would increase their work motivation. The theoretical framework of this research examines motivation through its internal and external perspectives and in terms of four different theories of motivation. The research was conducted as a quantitative research study using an electronic questionnaire. 156 of the 261 sales representatives of me&i in Finland responded to the survey during a one-week response period, giving a response rate of approximately 60 per cent. Approximately 91 per cent of these respondents assigned a value of 4 or 5 on a scale of 1 to 5 for their level of work motivation. The respondents found me&i’s trademark and the sales commission to be the most significant external motivators and a successful home party as the most significant internal motivator. Complaints and quality issues were found to be the most significant factors when considering declining work motivation. More personal sales competitions and/or sales competitions based on the sales representatives’ own targets were considered to be the methods most likely to increase work motivation. The sales representatives of me&i in Finland are highly motivated women entrepreneurs. To maintain or even improve on this level of work motivation, me&i should acknowledge that the complaints and the potential for loss of commission were found to be significant factors leading to a decrease in work motivation. Me&i could also experiment with more personal sales competitions and sales competitions based on the sales representatives’ own targets when attempting to increase the work motivation of the Finnish sales representatives of me&i. During this research, the management of me&i also examined the work motivation of the sales representatives of me&i in Sweden, Norway, German and the United Kingdom. The same research will be operated in these four countries during spring 2013. The writer of this thesis has been asked to participate in the project....
Which factors motivate the sales representatives of me&i in Finland? Me&i was established in 2004. At present it operates in five European countries selling clothes to its customers via home parties. This research was designed to examine the factors which affect the motivation of the Finnish sales representatives of me&i, as no prior research has been done in this area. The objectives of the research were to establish the level of motivation of the sales representatives of me&i in Finland, the factors which decreased their work motivation and the factors which would increase their work motivation. The theoretical framework of this research examines motivation through its internal and external perspectives and in terms of four different theories of motivation. The research was conducted as a quantitative research study using an electronic questionnaire. 156 of the 261 sales representatives of me&i in Finland responded to the survey during a one-week response period, giving a response rate of approximately 60 per cent. Approximately 91 per cent of these respondents assigned a value of 4 or 5 on a scale of 1 to 5 for their level of work motivation. The respondents found me&i’s trademark and the sales commission to be the most significant external motivators and a successful home party as the most significant internal motivator. Complaints and quality issues were found to be the most significant factors when considering declining work motivation. More personal sales competitions and/or sales competitions based on the sales representatives’ own targets were considered to be the methods most likely to increase work motivation. The sales representatives of me&i in Finland are highly motivated women entrepreneurs. To maintain or even improve on this level of work motivation, me&i should acknowledge that the complaints and the potential for loss of commission were found to be significant factors leading to a decrease in work motivation. Me&i could also experiment with more personal sales competitions and sales competitions based on the sales representatives’ own targets when attempting to increase the work motivation of the Finnish sales representatives of me&i. During this research, the management of me&i also examined the work motivation of the sales representatives of me&i in Sweden, Norway, German and the United Kingdom. The same research will be operated in these four countries during spring 2013. The writer of this thesis has been asked to participate in the project....
Asiakaskokemuksen kehittäminen : Case: Sairaalan poliklinikka
(Laurea-ammattikorkeakoulu, 2013)
Tässä opinnäytetyössä tutkittiin asiakaskokemusta Helsingin ja Uudenmaan sairaanhoitopiiriin kuuluvan sairaalan poliklinikalla. Haluttiin löytää kehittämisehdotuksia asiakaskokemuksen nostamiseksi.
Tutkimuksen teoria ...
A-Qility Oy:n markkinoiminen sosiaalisen median keinoin uusille koiraharrastajille
(Laurea-ammattikorkeakoulu, 2013)
Tässä opinnäytetyössä tutkittiin sosiaalisen median keinoja, joilla voidaan markkinoida A-Qility Oy:tä uusille asiakkaille. Tutkimuksen tavoitteena oli tuottaa A-Qility Oy:tä hyödyttävää tietoa siitä, millä sosiaalisen median keinoilla se tavoittavaa parhaiten potentiaaliset asiakkaansa. Tutkimuksen kohderyhmäksi muodostuivat koiran omistavat henkilöt.
Opinnäytetyö toteutettiin toimeksiantona A-Qility Oy:lle, joka on uuden tyyppinen koiraurhei-lupalvelukeskus, jossa tarjotaan agility- ja tottelevaisuuskoulutusharrastajille kurssituspalveluita sekä kansainväliset mitat täyttävä tila koiraharrastuksiin ja kilpailukäyttöön. Työssä toteutettiin sekä kvalitatiivinen puolistrukturoitu teemahaastattelu että benchmarking-osio, jossa tarkasteltiin A-Qility Oy:n kilpailijoiden käyttämiä sosiaalisen median väyliä sekä pyrittiin tekemään mahdollisimman paljon muita huomioita kilpailijoiden käyttäytymisestä sosiaalisessa mediassa. Työn tavoitteena oli tuottaa toimeksiantajalle kehitysehdotuksia sosiaalisen median rakentamiseen mahdollisimman kilpailukykyiseksi verrattuna oman alan kilpailijoihin.
Opinnäytetyön lähteinä käytettiin markkinointiin ja viestintään, sosiaaliseen mediaan sekä koiraharrastuksiin liittyvää kirjallisuutta, artikkeleita sekä verkkolähteitä. Haastattelut suoritettiin 17 henkilölle, jotka valikoituivat haastateltaviksi sekä sosiaalisen median kautta että Mustissa & Mirrissä järjestettyinä haastatteluina. Tutkimusaineisto kerättiin elokuussa 2013.
Yhteenvedossa tärkeimmäksi nousi Facebookin suosio sosiaalisen median väylänä ja se, kuinka positiivisesti ihmiset suhtautuivat sen kautta lähetettäviin viesteihin. Osa vastaajista kertoi olevansa hyvin lähdekriittisiä, mutta jos lähde koettiin luetettavaksi, otettiin sen tarjoama sisältö vastaan positiivisin tuntemuksin.
Johtopäätöksinä ja kehitysehdotuksina tässä työssä syntyivät ajatukset siitä, että sosiaaliseen mediaan mukaan lähteminen vaatii aikaa ja sitoutumista, jotta sillä saavutetaan tavoiteltuja hyötyjä. Jaetaanpa sisältöä missä vain kanavassa, on sisältöön kiinnitettävä huomiota, jotta se puhuttelisi mahdollisimman suurta osaa viestin vastaanottajista. Myös kuvien runsaalla käytöllä saavutetaan kuluttajien näkökulmasta etuja, sillä runsaasti kuvia sisältävät asiat ovat nopeammin ja helpommin katsottavissa kuin tiiviit tekstit. Kuvat saavat myös useammin aikaan reagointia kuin pelkkä teksti....
The purpose of this thesis project was to research the ways that social media can be used to market the A-Qility Oy to new customers. The goal of the research was to produce valuable information for A-Qility Oy and develop contacts with new...
The purpose of this thesis project was to research the ways that social media can be used to market the A-Qility Oy to new customers. The goal of the research was to produce valuable information for A-Qility Oy and develop contacts with new...
Varastonhallinta kustannustehokkaaksi toiminnoksi : case : Muoviteollisuusyritys
(Laurea-ammattikorkeakoulu, 2013)
Tutkimukseni aiheena on erään muoviteollisuusyrityksen varastonhallinta. Varastonhallintaan kuuluu ohjata, suunnitella ja kehittää varasto kustannustehokkaaksi ja lisäarvoa tuottavaksi toiminnoksi, jotta yrityksellä olisi ...
Vauhtia somesta
(Laurea-ammattikorkeakoulu, 2013)
valmista toimintamallia tai -suunnitelmaa yrityksen sosiaalisen median käyttöön. Case, hyvät ideat ja suuntaviivat sekä ajatukset markkinoinnin tehostamiseksi olivat opinnäytetyön tuotos. Jatkoa ajatellen opinnäytetyö tarjoaa potentiaalisen...
Boost from social media Social media is known as interaction between people. Most companies are interested in the introduction of social media marketing for their business operations. However, many small business owners feel that the social media is too big a challenge. The Thesis is assigned to a translation company in Vantaa. The research question is: How to take advantage of social media marketing? The aim is to increase the capacity of entrepreneurs to take advantage of the services offered by social media. The work presents social media and marketing from a new kind of perspective. Result of the campaign is a wide selection of video clips in social media of celebrities who have a bilingual background. The number of followers known as “like-press” increased multifold with the project. The thesis does not provide a ready approach – or exact plan to use social media in a company. Good ideas and thoughts, as well as guidelines for enhancing cross-marketing are the output of the thesis. In the future the thesis offers a potential topic for results analysis....
Boost from social media Social media is known as interaction between people. Most companies are interested in the introduction of social media marketing for their business operations. However, many small business owners feel that the social media is too big a challenge. The Thesis is assigned to a translation company in Vantaa. The research question is: How to take advantage of social media marketing? The aim is to increase the capacity of entrepreneurs to take advantage of the services offered by social media. The work presents social media and marketing from a new kind of perspective. Result of the campaign is a wide selection of video clips in social media of celebrities who have a bilingual background. The number of followers known as “like-press” increased multifold with the project. The thesis does not provide a ready approach – or exact plan to use social media in a company. Good ideas and thoughts, as well as guidelines for enhancing cross-marketing are the output of the thesis. In the future the thesis offers a potential topic for results analysis....
Esiselvitys paperittomasta vastaanotosta
(Laurea-ammattikorkeakoulu, 2013)
Tämä työ oli Yritys X:lle toteutettava esiselvitys tavaran vastaanoton saamisesta paperittomaksi, sen toteuttamisen mahdollisuuksista sekä ratkaisuista, joilla paperiton vastaanotto olisi mahdollista toteuttaa. Yritys X:n ...
Brändien ja mielikuvien vaikutus farkkujen ostopäätöksessä: Case Yritys X
(Laurea-ammattikorkeakoulu, 2013)
Opinnäytetyön tavoitteena oli tutkia brändien, farkkubrändien ja mielikuvien vaikutusta kuluttajien ostopäätökseen. Lähtökohtaisesti tutkittiin brändiä ja sen merkitystä, mielikuvia, mistä mielikuvat syntyvät ja mitä ne ovat. Mitkä tekijät...
Jeans brands and associations on consumers´ purchase decision This bachelor’s thesis examines the effect of jeans brands and brand associations on consumers’ purchase decision. The research focuses on the meaning of branding and the associations related to brands. The thesis provides answers to the following research questions related brand associations - how are brand associations created, what are the factors that affect brand associations and how brands and associations related to brands determine the choice of a jeans brand. Today branding has become a critical success factor for firms. Labels are now brands and firms use sophisticated tools and strategies for branding their products and services. A brand is the face of the firm and great efforts are being made in maintaining and building a strong brand. Branding is critical during competition as strong branding can quarantee a better future for the firms and the products and services they are offering. The empirical part of the thesis investigates consumers’ awareness of jeans brands, how brand associations are being created and how do they affect purchase decisions. The empirical section aims to provide Company X with information related to how the jeans brands available at Company X´s stores are being perceived by consumers, how well consumers are aware of jeans brands in general and what role do jeans brands play when making purchase decisions. The data was collected by a means of a quantitative research via an online survey distributed through the consumer database and owned social media channels of Company X. The aim of the survey was to better understand the factors affecting purchase decisions by addressing consumers’ willingness to pay a premium for branded (designer) jeans and how, if any, jeans brands affect consumers’ self-enhancement value. The research found that brand awareness and past brand experience influenced the formation of brand associations. The respondents experienced that the choice of a jeans brand is a fairly important factor for communicating their personality and personal style. Male respondents experienced the use of branded jeans more important than female respondents; hence males were willing to pay a premium for branded (designer) jeans....
Jeans brands and associations on consumers´ purchase decision This bachelor’s thesis examines the effect of jeans brands and brand associations on consumers’ purchase decision. The research focuses on the meaning of branding and the associations related to brands. The thesis provides answers to the following research questions related brand associations - how are brand associations created, what are the factors that affect brand associations and how brands and associations related to brands determine the choice of a jeans brand. Today branding has become a critical success factor for firms. Labels are now brands and firms use sophisticated tools and strategies for branding their products and services. A brand is the face of the firm and great efforts are being made in maintaining and building a strong brand. Branding is critical during competition as strong branding can quarantee a better future for the firms and the products and services they are offering. The empirical part of the thesis investigates consumers’ awareness of jeans brands, how brand associations are being created and how do they affect purchase decisions. The empirical section aims to provide Company X with information related to how the jeans brands available at Company X´s stores are being perceived by consumers, how well consumers are aware of jeans brands in general and what role do jeans brands play when making purchase decisions. The data was collected by a means of a quantitative research via an online survey distributed through the consumer database and owned social media channels of Company X. The aim of the survey was to better understand the factors affecting purchase decisions by addressing consumers’ willingness to pay a premium for branded (designer) jeans and how, if any, jeans brands affect consumers’ self-enhancement value. The research found that brand awareness and past brand experience influenced the formation of brand associations. The respondents experienced that the choice of a jeans brand is a fairly important factor for communicating their personality and personal style. Male respondents experienced the use of branded jeans more important than female respondents; hence males were willing to pay a premium for branded (designer) jeans....









