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Viitteet 2131-2140 / 2981
Asiantuntijapalveluiden tuotteistaminen : KPMG Oy Ab Legal Services
(Laurea-ammattikorkeakoulu, 2012)
Yleisenä suuntauksena yhteiskunnassa on ollut palveluiden tarjonnan, ja täten myös niiden käytön lisääntyminen. Konkreettisten tuotteiden ympärille tuotetaan tukipalveluja esimerkiksi uusien käyttömahdollisuuksien tai jälkimarkkinoinnin hyödyntämiseksi. Palvelujen tulee olla helposti saavutettavissa ja hyödynnettävissä muodoissa. Etenkin yritysasiakkaiden ostaessa tukitoimintoja ulkopuolelta, on tehokkuus avaintekijä. Kehitystä näkyy siis myös vastakkaiseen suuntaan: perinteisistä palveluista halutaan tuotekehitystä muistuttavan prosessin avulla muodostaa tehokkaita paketteja. Tuotteistuksen aste kuitenkin vaihtelee, eikä aina edes ole kannattavaa viedä tuotteistusprosessia kokonaan loppuun, tai volyymien ollessa pienet suorittaa sitä lainkaan.
Palvelut eivät itsessään ole konkreettisia, jonka vuoksi ne on haasteellista mieltää tuotteina. Palveluosaaminen eroaa tuoteosaamisesta, sillä asiantuntija itsessään ei ole myytävä tuote. Asiantuntijapalveluissa tietoelementtien osuus on suuri ja ne eroavat muutenkin luonteeltaan muista palveluista. Asiantuntijapalveluiden ongelmina ovat aineettoman tietopääoman jalostaminen tuotteistettavaan muotoon, riittävä erottautuminen muista kilpailijoista sekä palvelujen hajanaisuus.
Opinnäytetyön aiheena on palvelujen luonne tuotteena, asiantuntijapalvelujen erityispiirteet sekä tuotteistamisen mahdollisuudet. Perinteisestä tuoteajattelusta on hyötyä myös palveluiden kohdalla. Palvelujen tuottamisprosesseja on arvioitava kriittisesti. Tuotteistaminen lähtee liikkeelle yrityksen strategiasta, ja sen pohjalla on oltava riittävästi tietoa markkinoista ja kilpailijoista.
Yhteistyöyrityksenä toimi KPMG Oy Ab ja sen Legal Service – yksikkö. Yhteistyöyritys on ollut aktiivisesti mukana ja tarjonnut hienon mahdollisuuden yhteistyöhön. Opinnäytetyön tekijällä on ollut mahdollisuus esittää kysymyksiä koko prosessin ajan.
Opinnäytetyö on luonteeltaan kehittämisprojekti, jossa empiirisen tutkimuksen avulla pyritään keräämään aineistoa ja tarkastelemaan sitä teoriatiedon valossa. Opinnäytetyön taustalla on yhteistyöyritykselle toteutettu kysely. Kysely toteutettiin kvantitatiivisena kysely – tutkimuksena vuoden 2011 lopulla. Otoksessa olivat mukana KPMG Oy Ab:n Legal Service – yksikön olemassa olevat yritysasiakkaat, sekä potentiaaliset yksityisen ja kuntasektorin asiakkaat.
Opinnäytetyön tuloksena voidaan ymmärtää paremmin palvelujen, ja erityisesti asiantuntijapalveluiden ongelmallinen luonne. Opinnäytetyön avulla voidaan ymmärtää yhteistyöyrityksen palveluiden nykyistä tilaa analysoimalla muun muassa erottautumista kilpailijoista, sekä tarjota kehitysideoita toiminnan tehostamiseksi....
. Knowledge is the cornerstone of most business providers, which forms probably the most difficult products for anyone to market. Service knowledge and product knowledge are not the same. Especially in expert services the key element is knowledge...
. Knowledge is the cornerstone of most business providers, which forms probably the most difficult products for anyone to market. Service knowledge and product knowledge are not the same. Especially in expert services the key element is knowledge...
Arvot ja asenteet myynnillisessä asiakaspalvelussa : Case Toimeksiantaja
(Laurea-ammattikorkeakoulu, 2012)
Arvot ja asenteet ovat elämän perusta, niin ainakin väitetään. Arvot ohjaavat toimimaan oman arvomaailman mukaisesti ja tekemään päätöksiä myös niiden pohjalta. Jokainen osaa määritellä omat arvonsa, tai nimetä vähintään yhden. Asenteet eivät ole...
Values and attitudes are the basis of life. Values guide decision making and behavior and a person can usually define and name at least some of his or her values. Attitudes, are not as deeply felt as values and can be affected not only by a person´s values, but also their environment, culture, religion and personal experiences. Values and attitudes are equally important in private as well as in business life. Companies define values for their actions; to reach common goals and gain results, there should be common values in a company. In this thesis the values and attitudes of call center employees are studied. The purpose of the thesis is to determine the most prevalent values and attitudes in different service situations. This study will give the client company more information about their employees, their values and how the values meet the client company’s corporate values. The study is based on a discussion of theoretical information from various sources, such as the literature on sales and marketing. In addition, in order to explain values and attitudes, per-spectives from the field of psychology are also presented. The empirical study was conducted as an email survey, where the subject and purpose of the survey were explained openly. Based on the responses to the survey, it was then possible to define and clarify the employees´ opinions and feelings towards their customer service sales work. The responses show positive results. The employees in the client company seem to accept the company’s values and work according to them. It is possible, however, to also infer from the responses that there is some uncertainty regarding the values of taking initiative and responsibility, and sharing responsibility. The employees have a positive attitude and understanding towards self-development in their work, but this may not always be evident in practice....
Values and attitudes are the basis of life. Values guide decision making and behavior and a person can usually define and name at least some of his or her values. Attitudes, are not as deeply felt as values and can be affected not only by a person´s values, but also their environment, culture, religion and personal experiences. Values and attitudes are equally important in private as well as in business life. Companies define values for their actions; to reach common goals and gain results, there should be common values in a company. In this thesis the values and attitudes of call center employees are studied. The purpose of the thesis is to determine the most prevalent values and attitudes in different service situations. This study will give the client company more information about their employees, their values and how the values meet the client company’s corporate values. The study is based on a discussion of theoretical information from various sources, such as the literature on sales and marketing. In addition, in order to explain values and attitudes, per-spectives from the field of psychology are also presented. The empirical study was conducted as an email survey, where the subject and purpose of the survey were explained openly. Based on the responses to the survey, it was then possible to define and clarify the employees´ opinions and feelings towards their customer service sales work. The responses show positive results. The employees in the client company seem to accept the company’s values and work according to them. It is possible, however, to also infer from the responses that there is some uncertainty regarding the values of taking initiative and responsibility, and sharing responsibility. The employees have a positive attitude and understanding towards self-development in their work, but this may not always be evident in practice....
Kiitos seisoo lopussa - tyytyväinen kävijä Laurea SHOWROOM -tapahtumassa
(Laurea-ammattikorkeakoulu, 2012)
Koulutuksen markkinointi on lisääntynyt Suomessa huolimatta siitä, että koulutuspalvelut kuuluvat julkisen sektorin piiriin. Korkeakoulujen kilpailu hyvistä opiskelijoista on todellista ja näin ollen koulut ovat alkaneet hyödyntämään...
All is well that ends well - visitors satisfaction with Laurea SHOWROOM event Although educational services are under the public services in Finland the marketing of education has increased. Universities’ competition for desirable students is real and therefore universities have started to use marketing methods for information purposes and to allure students. Event marketing has become a general marketing method for universities. An event can be compared to service experience when visitors’ satisfaction can be measured by using the methods of customer satisfaction meters. The empirical part of this thesis was carried out using a visitor research at one of laurea’s marketing events. The event was Laurea showroom bringing the Laurea campus to a shopping centre for a month’s duration. The study was quantitative and the research method was a survey. Measurement was carried out mechanically during the event in february 2012. The number of responses was 120, which is sufficient for the generalization of the results. The purpose of this study was to utilise the theory to determine what makes an event successful from the visitors’ point of view. This was the basis for studying the most important factors for satisfaction for the visitors of Laurea showroom. In addition, research results show which event marketing methods worked best and what kind of event visitors were most interested in this event. Servqual service quality meter was used to plan the survey. The study results showed that the most important satisfaction factors regarding Laurea showroom was the attractiveness of the space and accessibility of the information needed. Young adults and adults were most interested in the event but secondary school students and graduates and people over 37 years of age were less interested. In terms of life situations, the event attracted mostly students and pupils. Laurea's own web site and word of mouth communication had worked best out of the event marketing methods....
All is well that ends well - visitors satisfaction with Laurea SHOWROOM event Although educational services are under the public services in Finland the marketing of education has increased. Universities’ competition for desirable students is real and therefore universities have started to use marketing methods for information purposes and to allure students. Event marketing has become a general marketing method for universities. An event can be compared to service experience when visitors’ satisfaction can be measured by using the methods of customer satisfaction meters. The empirical part of this thesis was carried out using a visitor research at one of laurea’s marketing events. The event was Laurea showroom bringing the Laurea campus to a shopping centre for a month’s duration. The study was quantitative and the research method was a survey. Measurement was carried out mechanically during the event in february 2012. The number of responses was 120, which is sufficient for the generalization of the results. The purpose of this study was to utilise the theory to determine what makes an event successful from the visitors’ point of view. This was the basis for studying the most important factors for satisfaction for the visitors of Laurea showroom. In addition, research results show which event marketing methods worked best and what kind of event visitors were most interested in this event. Servqual service quality meter was used to plan the survey. The study results showed that the most important satisfaction factors regarding Laurea showroom was the attractiveness of the space and accessibility of the information needed. Young adults and adults were most interested in the event but secondary school students and graduates and people over 37 years of age were less interested. In terms of life situations, the event attracted mostly students and pupils. Laurea's own web site and word of mouth communication had worked best out of the event marketing methods....
Kokonaisasiakkuuksien lisääminen
(Laurea-ammattikorkeakoulu, 2012)
Laurea-ammattikorkeakoulu Tiivistelmä
Laurea Leppävaara
Liiketalouden koulutusohjelma
Lindström Leila
Kokonaisasiakkuuksien lisääminen
Vuosi 2012 Sivumäärä 52
Kilpailu asiakkaista on pankkialalla kovaa. Asiakasuskollisuus ja asioinnin keskittäminen yhdelle palveluntarjoajalle ovat kokeneet inflaation monella alalla kuten myös pankeissa. Pankit pyrkivät ylläpitämään ja kehittämään olemassa olevia asiakkuuksiaan, luomaan asiakasuskollisuutta sekä hankkimaan uusia asiakkaita markkinoinnin, tutkimusten sekä uusien strategioiden keinoin. Tuotteiden ja palveluiden ollessa vaikeasti vertailtavissa niiden samankaltaisuuden vuoksi, pankkien tulee olla jatkuvasti innovatiivisia ja seurata aikaansa pysyäkseen mukana kilpailussa. Erilaisilla kanta -, avain- ja keskittäjäasiakkaiden etuohjelmilla pyritään muodostamaan sekä pankin- että asiakkaan kannalta pitkäkestoinen ja kannattava asiakassuhde.
Yksi Pankki X:n suurimpia haasteita ja tavoitteita on saada enemmän kokonaisasiakkaita sekä vanhoista että uusista asiakkuuksista. Kokonaisasiakkaalla tarkoitetaan asiakasta joka on keskittänyt kaikki, tai lähes kaikki pankkipalvelunsa yhteen pankkiin. Tämän opinnäytetyön tarkoituksena oli perehtyä Pankki X:n passiivisten asiakkaiden asiakkuusmotiiveihin, syihin hajauttaa pankkiasiointinsa useaan eri pankkiin, tai keskittää asiakkuutensa yksin johonkin tiettyyn pankkiin. Opinnäytetyön avulla pyrittiin lisäksi selvittämään passiivisten asiakkaiden mielikuvia pankki x:stä, sekä syitä olla keskittämättä asiointiaan kokonaan pankki x:ään. Etuohjelmien suosio pankinvalinta kriteerinä kiinnosti myös, sillä pankki x:llä ei ole käytössään julkista ja näkyvää uskollisuus- tai kanta- asiakasohjelmaa. Tutkimus suoritettiin kvantitatiivisen ja kvalitatiivisen kyselytutkimuksen välimuotoa soveltaen. Kysely toteutettiin kyselylomakkeilla jotka postitettiin valitulle kohderyhmälle keväällä 2012. Otoksena käytettiin konttori x:n niitä asiakkaita joilla on yksi palvelu pankki x:ssä. Tulosten kautta pyrittiin löytämään uusia keinoja asiakkaiden sitouttamiseen sekä asiakasuskollisuuden- ja kokonaisasiakkuuksien lisäämiseen tulevaisuudessa.
Työn teoriaosuudessa keskityttiin asiakasuskollisuuteen, asiakassuhteen rakentamiseen, kanta-asiakasmarkkinointiin, ja asiakas- kannattavuuteen. Asiakassuhteissa on monia askelia ja kerroksia jotka tarvitsevat huomiota. Monia asioita täytyy tapahtua ennen kuin asiakassuhde on tuottava ja perustuu lojaaliuteen pankin ja asiakkaan välillä. Pankki X:n Konttori Z:n asiakkaat ovat pääosin tyytyväisiä asiakaspalveluun ja tuotteisiin mutta joitain ongelmia oli nähtävissä asiakasprosesseissa.
Tutkimuksen tulosten perusteella päätettiin toteuttaa kustannustehokasta, aktiivista ja suunnattua markkinointia passiivisille asiakkaille. Lisäksi päätettiin kehittää henkilökunnan myyntiosaamista ja myyntiprosesseja. Paremmalla myyntiosaamisella voidaan lisätä asiakkaiden tietoisuutta pankista, ja parantaa henkilökunnan osaamista asiakassuhteen hoitamisessa ja kehittämisessä asiakassuhteen jokaisessa elinkaaren vaiheessa.
Asiasanat kokonaisasiakkuus, asiakaskannattavuus, asiakasuskollisuus...
for customers in the banking sector. Customer loyalty has increased in many business areas. Banks are trying to maintain and develop their current customer bases, create better customer loyalty, and at the same time acquire new customers through marketing...
for customers in the banking sector. Customer loyalty has increased in many business areas. Banks are trying to maintain and develop their current customer bases, create better customer loyalty, and at the same time acquire new customers through marketing...
Kululaskutuksen sähköistäminen ja laskun kierto - Case: Bauhaus & Co Ky
(Laurea-ammattikorkeakoulu, 2012)
Suomessa tällä hetkellä hyvää vauhtia edistyvä taloushallinnon sähköistyminen on tämänkin toiminnallisen opinnäytetyön taustalla. Tämän hetkistä kehitystä voidaankin kutsua siirtymävaiheeksi, koska vain osa yrityksistä on ...
Vakuutuksenantajan tiedonantovelvollisuus säästöhenki- ja eläkevakuutussopimuksissa
(Laurea-ammattikorkeakoulu, 2012)
Opinnäytetyössä tarkastellaan vakuutuksenantajan tiedonantovelvollisuutta säästöhenki- ja eläkevakuutussopimuksen voimassaoloaikana. Opinnäytetyön tavoitteena on selvittää millaista asiakastiedottamista vakuutusyhtiöltä säästöhenki- ja...
Insurer’s duty of disclosure in endowment insurances and pension insurances This Bachelor’s thesis examines the insurer's duty of disclosure in relation to endowment insurance and pension insurance contracts. The objective of the thesis is to clarify what kind of customer disclosure is required by an insurance company according to the law after the signing of an endowment insurance and pension insurance contract. This thesis also clarifies how the customer disclosure will be handled insurance company X in practice. What kind of challenges there will be in the future in relation to the duty of disclosure of the insurer will also be discussed. How do the possible changes in law and the new regulations of the authorities affect customer disclosure of the insurance companies? The Insurance Contracts Act defines the insurer’s duty of disclosure in the personal insurances and the insurances against loss or damage. The endowment insurances and the pension insurances belong to the personal insurances in which a natural person is insured. According to the law the insurer shall dispatch the policyholder a statement detailing the sum insured and any such other circumstances concerning the insurance as are of manifest importance to the policyholder once a year. The insurer must also inform to the policyholder of amendments to terms and conditions of the insurance, the expiry of the insurance and information on legal remedies. The Insurance Contracts Act defines the minimum requirements to the insurer’s duty of disclosure. In addition it is normal that the insurance companies inform the customer when some change has been made to the insurance. The insurance companies can inform the customers also of other matters which affect the insurance contract essentially, for example changes in the taxation of the insurances. The most important sources used in the thesis are the Insurance Contracts Act, law preparatory acts, regulations of the authorities and the literature of the field. For the thesis I have also been interviewed two insurance experts of the insurance company X and one of the lawyers of the insurance company X....
Insurer’s duty of disclosure in endowment insurances and pension insurances This Bachelor’s thesis examines the insurer's duty of disclosure in relation to endowment insurance and pension insurance contracts. The objective of the thesis is to clarify what kind of customer disclosure is required by an insurance company according to the law after the signing of an endowment insurance and pension insurance contract. This thesis also clarifies how the customer disclosure will be handled insurance company X in practice. What kind of challenges there will be in the future in relation to the duty of disclosure of the insurer will also be discussed. How do the possible changes in law and the new regulations of the authorities affect customer disclosure of the insurance companies? The Insurance Contracts Act defines the insurer’s duty of disclosure in the personal insurances and the insurances against loss or damage. The endowment insurances and the pension insurances belong to the personal insurances in which a natural person is insured. According to the law the insurer shall dispatch the policyholder a statement detailing the sum insured and any such other circumstances concerning the insurance as are of manifest importance to the policyholder once a year. The insurer must also inform to the policyholder of amendments to terms and conditions of the insurance, the expiry of the insurance and information on legal remedies. The Insurance Contracts Act defines the minimum requirements to the insurer’s duty of disclosure. In addition it is normal that the insurance companies inform the customer when some change has been made to the insurance. The insurance companies can inform the customers also of other matters which affect the insurance contract essentially, for example changes in the taxation of the insurances. The most important sources used in the thesis are the Insurance Contracts Act, law preparatory acts, regulations of the authorities and the literature of the field. For the thesis I have also been interviewed two insurance experts of the insurance company X and one of the lawyers of the insurance company X....
Ekotehokkuus osana yritysten toimintaa : energia- ja materiaalitehokkuuden kehittämistarve Varsinais-Suomen pk-yrityksissä
(Laurea-ammattikorkeakoulu, 2012)
yrityksissä voidaan toteuttaa sekä millaisia energia- ja materiaalitehokkuuden tehostamiseen liittyviä kehittämistarpeita Varsinais-Suomen alueen pienillä ja keskisuurilla yrityksillä on. Opinnäytetyö on osa Valoniassa keväällä 2011 käynnistettyä Kymppi...
Eco-efficiency as part of enterprise operations : The need for improved energy and material efficiency in SMEs in South-West Finland This thesis was commissioned by Valonia, the service centre for sustainable development and energy of South-West Finland. The aim of the study was to investigate how enterprises perceive eco-efficiency and how it can be implemented, as well as to identify the development needs associated with improving the energy and material efficiency of small and medium-sized enterprises in the South-West of Finland. The thesis is a part of the Kymppi-project, initiated in Valonia in spring 2011. The data for the quantitative empirical research were gathered with an online Webropol survey. The survey was distributed to the member enterprises of The Regional Organisation of Enterprises in the South-West Region, who were sent a hyperlink to the survey by e-mail. The theoretical framework for the thesis has been compiled from literature of the field and online sources. In accordance with the aims of the thesis, the study revealed the current state of and development needs in energy and material efficiency of small and medium-sized enterprises. The study further indicated that while energy and material efficiency is a growing concern for enterprises and actual efficiency measures had been implemented, all the measures necessary for efficiency were not recognised by the enterprises. The study, thus, demonstrated that to support development work enterprises require outside guidance in energy and material efficiency. The results of the survey will be utilised in a Kymppi-project pilot experiment, conducted during spring 2012, where enterprises can test the functionality of their energy and material efficiency tools....
Eco-efficiency as part of enterprise operations : The need for improved energy and material efficiency in SMEs in South-West Finland This thesis was commissioned by Valonia, the service centre for sustainable development and energy of South-West Finland. The aim of the study was to investigate how enterprises perceive eco-efficiency and how it can be implemented, as well as to identify the development needs associated with improving the energy and material efficiency of small and medium-sized enterprises in the South-West of Finland. The thesis is a part of the Kymppi-project, initiated in Valonia in spring 2011. The data for the quantitative empirical research were gathered with an online Webropol survey. The survey was distributed to the member enterprises of The Regional Organisation of Enterprises in the South-West Region, who were sent a hyperlink to the survey by e-mail. The theoretical framework for the thesis has been compiled from literature of the field and online sources. In accordance with the aims of the thesis, the study revealed the current state of and development needs in energy and material efficiency of small and medium-sized enterprises. The study further indicated that while energy and material efficiency is a growing concern for enterprises and actual efficiency measures had been implemented, all the measures necessary for efficiency were not recognised by the enterprises. The study, thus, demonstrated that to support development work enterprises require outside guidance in energy and material efficiency. The results of the survey will be utilised in a Kymppi-project pilot experiment, conducted during spring 2012, where enterprises can test the functionality of their energy and material efficiency tools....
Suurtapiolalaisten senioreiden kiinnostus pal-veluasumiseen Suur-Tapiolassa
(Laurea-ammattikorkeakoulu, 2012)
, milloin ja missä elämäntilanteessa seniorit ovat kiinnostuneita muuttamaan palveluasuntoon. Tämän lisäksi työn tavoite on selvittää, millainen palveluasunnon tulisi olla ja millaisia palveluita asunnon läheisyydessä pitäisi sijaita.
Suur-Tapiolan alueella...
The purpose of this thesis project is to determine whether senior citizens who live in the Suur-Tapiola area are interested in living at a sheltered housing centre for the elderly in the Suur-Tapiola area in the future. The thesis was commissioned by Active Life Village Ltd, which provides laboratories for research and development activities and offices for service and technology companies. The purpose of this thesis is also to find out when and in which life situation senior citizens would be willing to move into a sheltered housing centre. The aim is also to establish what the sheltered living apartment should be like and which ser-vices should be near the apartment. To collect information about the senior citizens’ attitudes towards living in sheltered housing a survey was conducted during weeks 20—24 in 2011. The survey was conducted through structured interviews at a service centre in Suur-Tapiola. The service centre was visited seven times during that period of time to conduct the interviews. The research method is quantita-tive and 84 persons answered the survey. Quota sampling was used to collect the data. The sampling criteria used are age over 60 years, residential area in Suur-Tapiola and housing which is either an owner-occupied apartment or a senior citizen apartment. The objective was to collect data from 50 respondents from both groups. 84 people replied to the inter-view. The target of the quota was to gather 100 respondents but when conducting the inter-views not enough people who fulfilled the sampling criteria were reached. Altogether 116 persons who fulfilled the sampling criteria were asked to answer the survey but 32 of them declined. The response rate is 72.4%, leaving 27.6% of respondent loss. The responses were analysed using frequency distribution and cross tabulation content. From the results of the survey it can be concluded that the respondents are interested in liv-ing at a sheltered housing centre in Suur-Tapiola area after a period of ten years. The respon-dents are interested in moving to a sheltered housing apartment if 1) movement in their cur-rent apartment becomes difficult, 2) there is too much maintenance work at their current apartment or 3) if they lose their spouse. According to the results there has to be an elevator in the sheltered housing apartment building and a kitchen in each apartment. According to the respondents, there need to be health services in close proximity to the sheltered housing centre. The respondents are willing to purchase a predetermined service package which in-cludes housing. They are also willing to purchase supplementary services. According to the results of the survey it can be concluded that there is demand for a shel-tered housing centre in the Suur-Tapiola area. There are many seniors in the area and the number of seniors is expected to rise in the future. A further study should be conducted ac-cording to the results. The testing of different service packages should be conducted among senior citizens living in the Suur-Tapiola area....
The purpose of this thesis project is to determine whether senior citizens who live in the Suur-Tapiola area are interested in living at a sheltered housing centre for the elderly in the Suur-Tapiola area in the future. The thesis was commissioned by Active Life Village Ltd, which provides laboratories for research and development activities and offices for service and technology companies. The purpose of this thesis is also to find out when and in which life situation senior citizens would be willing to move into a sheltered housing centre. The aim is also to establish what the sheltered living apartment should be like and which ser-vices should be near the apartment. To collect information about the senior citizens’ attitudes towards living in sheltered housing a survey was conducted during weeks 20—24 in 2011. The survey was conducted through structured interviews at a service centre in Suur-Tapiola. The service centre was visited seven times during that period of time to conduct the interviews. The research method is quantita-tive and 84 persons answered the survey. Quota sampling was used to collect the data. The sampling criteria used are age over 60 years, residential area in Suur-Tapiola and housing which is either an owner-occupied apartment or a senior citizen apartment. The objective was to collect data from 50 respondents from both groups. 84 people replied to the inter-view. The target of the quota was to gather 100 respondents but when conducting the inter-views not enough people who fulfilled the sampling criteria were reached. Altogether 116 persons who fulfilled the sampling criteria were asked to answer the survey but 32 of them declined. The response rate is 72.4%, leaving 27.6% of respondent loss. The responses were analysed using frequency distribution and cross tabulation content. From the results of the survey it can be concluded that the respondents are interested in liv-ing at a sheltered housing centre in Suur-Tapiola area after a period of ten years. The respon-dents are interested in moving to a sheltered housing apartment if 1) movement in their cur-rent apartment becomes difficult, 2) there is too much maintenance work at their current apartment or 3) if they lose their spouse. According to the results there has to be an elevator in the sheltered housing apartment building and a kitchen in each apartment. According to the respondents, there need to be health services in close proximity to the sheltered housing centre. The respondents are willing to purchase a predetermined service package which in-cludes housing. They are also willing to purchase supplementary services. According to the results of the survey it can be concluded that there is demand for a shel-tered housing centre in the Suur-Tapiola area. There are many seniors in the area and the number of seniors is expected to rise in the future. A further study should be conducted ac-cording to the results. The testing of different service packages should be conducted among senior citizens living in the Suur-Tapiola area....
Sijoitusmuodot Suomen osakemarkkinoilla - indeksiosuusrahasto vaihtoehto osakerahastoille
(Laurea-ammattikorkeakoulu, 2012)
Opinnäytetyöni käsittelee Suomen osakemarkkinoille sijoittamista pörssiosakkeiden, osakerahastojen ja indeksiosuusrahastojen näkökulmasta. Opinnäytetyön tutkimusongelmana oli selvittää, onko indeksiosuusrahasto varteenotettava sijoitusvaihtoehto...
The thesis focuses on investing in the Finnish stock market from the perspective of stocks, equity funds and exchange-traded funds. The objective of the research was to examine whether an exchange-traded fund (ETF) could be an alternative to equity...
The thesis focuses on investing in the Finnish stock market from the perspective of stocks, equity funds and exchange-traded funds. The objective of the research was to examine whether an exchange-traded fund (ETF) could be an alternative to equity...
YES Uudenmaan toiminta yrittäjyyskasvatuksen edistäjänä
(Laurea-ammattikorkeakoulu, 2012)
Valtakunnallinen YES ry on opetushallituksen rahoittama hanke, joka tarjoaa yrittäjyyskasvatuksen tukipalveluja yrittäjyyden kehittämiseen ja koulutusta opettajille. YES ry järjestää tapahtumia, koulutuksia ja tilaisuuksia kouluille sekä yrityksille...
YES Uusimaa as a Contributor of Entrepreneurship Education National YES-Center is a project which is sponsored by the National Board of Education. It offers entrepreneurship education services for basic education, general and vocational upper secondary schools. It also provides study material, teacher training, entrepreneurial contacts and curriculum services. The subject of the thesis is to survey the teacher’s needs and ideas about YES-Center and its operation as a entrepreneurship education contributor. Entrepreneurship education seeks to provide students with the knowledge, skills and motivation to succeed in school and in working life. Entrepreneur education is put on record in curriculum in Finland both in the basic education and the upper secondary school. But still entrepreneur education is rather a unknown concept which is emphasized when it comes to teachers. The teachers should be more educated and the concept should be expanded. This is the point where YES-Center and its services are needed. When teachers realize the content and objectives of entrepreneur education, they might notice that they actually are teaching it already. With these kinds of ways teachers could get more excited and interested in the subject of entrepreneur education. The data was collected with a theme interview from four teachers familiar with YES-Center. There were repetitive themes rising from the data. These themes were networking, informing and supporting the teachers. The survey question was met by this study, even though the sample was not very wide....
YES Uusimaa as a Contributor of Entrepreneurship Education National YES-Center is a project which is sponsored by the National Board of Education. It offers entrepreneurship education services for basic education, general and vocational upper secondary schools. It also provides study material, teacher training, entrepreneurial contacts and curriculum services. The subject of the thesis is to survey the teacher’s needs and ideas about YES-Center and its operation as a entrepreneurship education contributor. Entrepreneurship education seeks to provide students with the knowledge, skills and motivation to succeed in school and in working life. Entrepreneur education is put on record in curriculum in Finland both in the basic education and the upper secondary school. But still entrepreneur education is rather a unknown concept which is emphasized when it comes to teachers. The teachers should be more educated and the concept should be expanded. This is the point where YES-Center and its services are needed. When teachers realize the content and objectives of entrepreneur education, they might notice that they actually are teaching it already. With these kinds of ways teachers could get more excited and interested in the subject of entrepreneur education. The data was collected with a theme interview from four teachers familiar with YES-Center. There were repetitive themes rising from the data. These themes were networking, informing and supporting the teachers. The survey question was met by this study, even though the sample was not very wide....









