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Viitteet 4671-4680 / 5020
SEPA:n vaikutus yrityksen maksuliikenteeseen
(Laurea-ammattikorkeakoulu, 2010)
Opinnäytetyön aiheeksi valittiin SEPA (Single Euro Payments Area) ja sitä tarkasteltiin yritysten näkökulmasta. SEPA tarkoittaa yhteistä euromaksualuetta maksuliikenteelle. SEPA:n päämääränä on luoda perusmaksuliikepalveluille yhteiset standardit ja...
SEPA’s Effect on a Company’s Payments Traffic SEPA (Single Euro Payments Area) is the subject of this thesis and it was examined from the companies’ point of view. SEPA means a common Euro Payments Area for payments traffic. SEPA’s goal is to create a basic contribution of business services with the same standards and practices. The purpose of this study was to examine how SEPA affects the payments traffic in the Finnish international companies. The aim was to find out how the companies react to SEPA and how they are prepared for it. The study also focused on what is the companies’ SEPA-readiness is at this moment and what advantages and disadvantages SEPA creates to their payments traffic. The theoretical framework consists of a comprehensive presentation of SEPA. The purpose was to find out what SEPA is, why it will be introduced and what the main targets and actors of SEPA are. In the study there was an intention to bring out how SEPA is implemented in Finland and how it works from the companies’ point of view. The theoretical framework is based mainly on the various publications and reports published by Financial Services Federation, the European Central Bank, the European Commission, the Bank of Finland, different banks operating in Finland, Basware Corporation and OpusCapita which all deal with SEPA. The research method of this study was a qualitative research. As a form of the survey, data collection was an e-mail interview. The target group consisted of Finnish international companies. The group was chosen because SEPA strongly affects international companies. The research result shows that SEPA has an effect on the companies’ payments traffic. They have to acquire and update their own financial management systems and payment software to match the SEPA requirements. These measures require financial resources and the companies must also adopt the new operation methods. The majority of respondents see SEPA as a positive matter because the payments traffic will be more effective. The major benefits of SEPA for the companies are an opportunity to get more effective and better cash management and payment processes. This is possible because the payments traffic will be harmonized. The main disadvantage may be the functionality of the new international direct debit service and its risk factors. The conclusion can be drawn that the majority of the Finnish international companies have not yet updated their own systems and software to match the SEPA requirements. All banks operating in Finland are not yet able to offer SEPA-services to the corporate clients. This may be the reason why the companies’ SEPA-readiness has will be moved to year 2010....
SEPA’s Effect on a Company’s Payments Traffic SEPA (Single Euro Payments Area) is the subject of this thesis and it was examined from the companies’ point of view. SEPA means a common Euro Payments Area for payments traffic. SEPA’s goal is to create a basic contribution of business services with the same standards and practices. The purpose of this study was to examine how SEPA affects the payments traffic in the Finnish international companies. The aim was to find out how the companies react to SEPA and how they are prepared for it. The study also focused on what is the companies’ SEPA-readiness is at this moment and what advantages and disadvantages SEPA creates to their payments traffic. The theoretical framework consists of a comprehensive presentation of SEPA. The purpose was to find out what SEPA is, why it will be introduced and what the main targets and actors of SEPA are. In the study there was an intention to bring out how SEPA is implemented in Finland and how it works from the companies’ point of view. The theoretical framework is based mainly on the various publications and reports published by Financial Services Federation, the European Central Bank, the European Commission, the Bank of Finland, different banks operating in Finland, Basware Corporation and OpusCapita which all deal with SEPA. The research method of this study was a qualitative research. As a form of the survey, data collection was an e-mail interview. The target group consisted of Finnish international companies. The group was chosen because SEPA strongly affects international companies. The research result shows that SEPA has an effect on the companies’ payments traffic. They have to acquire and update their own financial management systems and payment software to match the SEPA requirements. These measures require financial resources and the companies must also adopt the new operation methods. The majority of respondents see SEPA as a positive matter because the payments traffic will be more effective. The major benefits of SEPA for the companies are an opportunity to get more effective and better cash management and payment processes. This is possible because the payments traffic will be harmonized. The main disadvantage may be the functionality of the new international direct debit service and its risk factors. The conclusion can be drawn that the majority of the Finnish international companies have not yet updated their own systems and software to match the SEPA requirements. All banks operating in Finland are not yet able to offer SEPA-services to the corporate clients. This may be the reason why the companies’ SEPA-readiness has will be moved to year 2010....
Luottoriskien hallinta ja perintä vakuudettomia kulutusluottoja myönnettäessä
(Laurea-ammattikorkeakoulu, 2010)
Opinnäytetyön tarkoituksena oli tehdä ohjeistus, joka olisi apuna ja ohjeena kulutusluottotoimintaa harjoittaville tai sellaista aloittaville yrityksille ja niiden myynti- ja luottohenkilöstölle sekä toimisi myös uuden alalle tulevan henkilöstön...
parts of law and reliable Internet sources related to theme have been used as a theoretical source material in this thesis. As a practical example have been used the answers received in an interview with the credit manager of credit issuing company Y...
parts of law and reliable Internet sources related to theme have been used as a theoretical source material in this thesis. As a practical example have been used the answers received in an interview with the credit manager of credit issuing company Y...
Asiakaspalautetta rekisteröivän järjestelmän kehittäminen asiakaslähtöisen toiminnan tueksi : Case Kespro Oy
(Laurea-ammattikorkeakoulu, 2010)
Tässä toimintakeskeisessä opinnäytetyössä kuvataan Kespro Oy:n asiakaspalauteprosessia. Projektissa tutkittiin asiakaspalauteprosessin eri vaiheiden sujuvuutta ja nykyistä asiakaspalautteiden käsittelykäytäntöä.
Projektissa ...
Sisäänostajan eettiset kysymykset
(Laurea-ammattikorkeakoulu, 2010)
Tämä opinnäytetyö käsittelee vastuullista hankintaa suomalaisissa yrityksissä. Tutkimuskysymys on, millä tavalla yrityksen eettiset arvot vaikuttavat sisäänostajan tai maahantuojan työhön, kun he tekevät hankintoja maista, joissa lainsäädäntö ei täytä kansainvälisiä eettisyyden vähimmäisvaatimuksia. Aihe on siis rajattu riskimaista tehtävään ostotoimintaan. Hankintojen eettisyyteen liittyy sosiaalisen ja ekologisen vastuun näkökulma. Sosiaalinen vastuu käsittää tuotantolaitoksen työntekijöiden olot ja oikeudenmukaisen kohtelun. Ekologiseen puoleen liittyvät taas tehtaan ympäristövaikutukset ja tavaroiden kuljetustavan valinta.
Työn teoriaosuudessa käsitellään eettisyyttä yleisesti sekä globalisaatiota ja sen aiheuttamaa muutosta sisäänostajien työssä. Lisäksi avaan yritysvastuun eri osa-alueisiin, taloudelliseen, sosiaaliseen ja ekologiseen vastuuseen, liittyviä termejä. Niiden yhteydessä käsitellään myös vastuullista hankintaa. Teoriaosuuden lopussa on lyhyt kuvaus sisäänostajan työtehtävistä. Työssä esitellään joitakin yleisimpiä kansainvälisiä eettisiä ohjeistoja, kuten esimerkiksi BSCI. Teoria-aineiston kokoamisen apuna on käytetty vastuullisen liiketoiminnan oppikirjoja, etiikan oppikirjaa sekä yritysten kotisivuja, joissa on kerrottu niiden vastuutavoitteista ja – toimista.
Tutkimustapa oli kvalitatiivinen, koska empiirinen aineisto kerättiin haastattelujen avulla. Halusin tarkastella vastuullista ostotoimintaa sisäänostajan näkökulmasta. Opinnäytetyötä varten haastatellut yritykset ovat hankinta- ja logistiikkayritys Inex Partners Oy, muotitavarataloketju Veljekset Halonen Oy, kahvialalla toimiva Oy Gustav Paulig Ab ja Suomen valtion omistama alkoholijuomien vähittäiskauppa Alko Oy.
Analyysiosiossa tarkastelen yritysten eettisten arvojen vaikutusta sisäänostajien työhön taloudellisen, sosiaalisen ja ekologisen vastuun näkökulmasta. Tuloksista selviää, että sisäänostajien taloudelliseen vastuuseen kuuluu muun muassa tuotteen lopullisen hinnan pitäminen kilpailukykyisenä hankkimalla sopivan hintaista tavaraa tavarantoimittajilta. Sosiaaliseen vastuuseen liittyy tavarantoimittajien valinta ja hyväksyminen. Mahdollisia riskitoimittajia haas-tatellut yritykset eliminoivat tavarantoimittajille lähetettävien itsearviointilomakkeiden ja kohteissa vierailujen avulla. Ekologinen vastuunotto näkyy esimerkiksi tuotteiden pakkausten valinnassa....
is also considered in this context. A short description of duties of purchasing agent is introduced at the end of the theoretical section of this thesis, as well as some of the most general international ethical regulation such as BSCI (Business Social...
is also considered in this context. A short description of duties of purchasing agent is introduced at the end of the theoretical section of this thesis, as well as some of the most general international ethical regulation such as BSCI (Business Social...
Turvallisuusalan koulutuksen lainsäädäntökokonaisuus : Case: Länsi-Uudenmaan koulutuskeskuksen
(Laurea-ammattikorkeakoulu, 2010)
. Turvallisuusalan opiskelijat valmistuvat turvallisuusvalvojiksi ja he voivat työskennellä muun muassa vartijoina, järjestyksenvalvojina, arvokuljettajina, henkivartijoina, turvatarkastajina ja vastaavina hoitajina. Työtehtäviään hoitaessaan heidän täytyy toimia...
Unity of the laws for the education of security branch The meaning of my scholarly thesis is to frame an education scheme for the Education centre of western Uusimaa and especially for the students of security branch, so that they could study the laws of security branch and other necessary parts of the legislation. Students of the security branch will graduate security officers and can for example work as guards, security guards, cash-in-transit specialists, bodyguards, security agents and security enforcement officers. When they are taking care of their duties, they have to comply the rules they have been given, obey the law and also work in accordance with the good manners. Security officer’s duties range between security checks of concerts to transport money, and employers can be for example security branch companies, correctional treatment institutes and also fire and rescue organizations. In their work Security officers have to take into account many different things and do their duties by the law and instructions. They also have to upgrade their skills when it is needed in future and observe what the law says for example about carrying a gun or keeping a dog along in work. Based on that my scholarly thesis includes the laws of the security branch and also other useful laws in the extent which is needed on the branch taking into account at the same time which jobs students can do and how they can orient in the labour market. My aim is to assure that students have enough knowledge of the laws and regulations of their own branch. I have agreed with the teacher of the Education centre of western Uusimaa to write this education scheme to the school’s Nummela office. For this scholarly thesis I interviewed a teacher of the branch who gave me the idea. Based on the interview I made a representation about how I am going to prepare the paper and what sources I’m going to use. My sources were laws, regulations, literature of the security branch and material I got from the school, like brochure about the school and security branch, and also government’s education material for the security guards. Besides these the experience of my own job in district court has helped me. During the progress I sent the teacher pieces of the work so that she could give me appraise of my work. The scholarly thesis has two parts and in the first part I tell about the work process and also shortly about security branch and about the work I have done. The second part includes the education scheme which I made for the students....
Unity of the laws for the education of security branch The meaning of my scholarly thesis is to frame an education scheme for the Education centre of western Uusimaa and especially for the students of security branch, so that they could study the laws of security branch and other necessary parts of the legislation. Students of the security branch will graduate security officers and can for example work as guards, security guards, cash-in-transit specialists, bodyguards, security agents and security enforcement officers. When they are taking care of their duties, they have to comply the rules they have been given, obey the law and also work in accordance with the good manners. Security officer’s duties range between security checks of concerts to transport money, and employers can be for example security branch companies, correctional treatment institutes and also fire and rescue organizations. In their work Security officers have to take into account many different things and do their duties by the law and instructions. They also have to upgrade their skills when it is needed in future and observe what the law says for example about carrying a gun or keeping a dog along in work. Based on that my scholarly thesis includes the laws of the security branch and also other useful laws in the extent which is needed on the branch taking into account at the same time which jobs students can do and how they can orient in the labour market. My aim is to assure that students have enough knowledge of the laws and regulations of their own branch. I have agreed with the teacher of the Education centre of western Uusimaa to write this education scheme to the school’s Nummela office. For this scholarly thesis I interviewed a teacher of the branch who gave me the idea. Based on the interview I made a representation about how I am going to prepare the paper and what sources I’m going to use. My sources were laws, regulations, literature of the security branch and material I got from the school, like brochure about the school and security branch, and also government’s education material for the security guards. Besides these the experience of my own job in district court has helped me. During the progress I sent the teacher pieces of the work so that she could give me appraise of my work. The scholarly thesis has two parts and in the first part I tell about the work process and also shortly about security branch and about the work I have done. The second part includes the education scheme which I made for the students....
Yrittäjän optimaalisen eläkesalkun määrittäminen
(Laurea-ammattikorkeakoulu, 2010)
eläkeinstrumenteista muodostuvaa eläkekokonaisuutta. Yrittäjän optimaalisen eläkesalkun muodostavat eri eläkeinstrumentit voidaan jakaa kuuluviksi yrittäjän eläkelain-, pitkäaikaissäästämistä koskevan lain- ja vakuutussopimuslain piiriin. Eläkesalkun optimaalisuudella...
This study examines the entrepreneur’s optimal pension cover. The primary purpose of the study was to determine the entrepreneur’s optimal pension portfolio for the last period of entrepreneur life span. In this context the entrepreneur’s optimal pension portfolio means the comprehensive pension solution from the entrepreneur’s point of view. The optimal pension portfolio of the entrepreneur consists of different pension instruments which are based on the Self-Employed Persons’ Pension Act, the law of long-term agreement of the Saving and Insurance Contracts Act. In this context the term optimal means the right relationship of the pension instruments viewing the scope of cost structure, taxation, freedom of action and the correct amount of the pension. The subject matter is extremely topical because the regulations concerning long-term saving came into effect in 2010. The new law means that the taxation of the voluntary pension insurance has been expanded to concern also other tied long-term saving. At the beginning of 2010 the government introduced the lifetime multiplier which will lessen the pension. The above-mentioned changes mean that the entrepreneurs’ pension insurance system is in a critical period now. The research problem of this thesis is how the entrepreneur’s pension cover must be created. The research problem is complicated and therefore this thesis investigates with the Self-Employed Persons’ Pension Act and the life span analysis. So the main question of the research problem is to solve the correct relationship of the entrepreneur’s legal pension security versus the instruments of tied long-term saving. This thesis discusses the instruments of entrepreneurs’ optimal pension portfolio and their cost structure, taxation and freedom of action from the entrepreneur’s point of view. The thesis consists of nine separate sections which contain a theory section, an empirical section and a practical section. The result of the study will be implemented by the small company ProWirtus. The study was based on qualitative methods and the study has been executed mainly in Tapiola-Group. During the research the literature of the insurance business has also been utilized as a source of information. I have also used interviews and observation which reflect my working experience. The result of the thesis shows that the pension instrument which is based on the Self-Employed Persons’ Pension Act is not the best alternative because the self-employed person’s pension earned income is not a cost-effective way to increase the old-age pension. The study indicates that the correct share of a self-employed person’s pension in the ProWirtus’ optimal pension portfolio is only 53 per cent....
This study examines the entrepreneur’s optimal pension cover. The primary purpose of the study was to determine the entrepreneur’s optimal pension portfolio for the last period of entrepreneur life span. In this context the entrepreneur’s optimal pension portfolio means the comprehensive pension solution from the entrepreneur’s point of view. The optimal pension portfolio of the entrepreneur consists of different pension instruments which are based on the Self-Employed Persons’ Pension Act, the law of long-term agreement of the Saving and Insurance Contracts Act. In this context the term optimal means the right relationship of the pension instruments viewing the scope of cost structure, taxation, freedom of action and the correct amount of the pension. The subject matter is extremely topical because the regulations concerning long-term saving came into effect in 2010. The new law means that the taxation of the voluntary pension insurance has been expanded to concern also other tied long-term saving. At the beginning of 2010 the government introduced the lifetime multiplier which will lessen the pension. The above-mentioned changes mean that the entrepreneurs’ pension insurance system is in a critical period now. The research problem of this thesis is how the entrepreneur’s pension cover must be created. The research problem is complicated and therefore this thesis investigates with the Self-Employed Persons’ Pension Act and the life span analysis. So the main question of the research problem is to solve the correct relationship of the entrepreneur’s legal pension security versus the instruments of tied long-term saving. This thesis discusses the instruments of entrepreneurs’ optimal pension portfolio and their cost structure, taxation and freedom of action from the entrepreneur’s point of view. The thesis consists of nine separate sections which contain a theory section, an empirical section and a practical section. The result of the study will be implemented by the small company ProWirtus. The study was based on qualitative methods and the study has been executed mainly in Tapiola-Group. During the research the literature of the insurance business has also been utilized as a source of information. I have also used interviews and observation which reflect my working experience. The result of the thesis shows that the pension instrument which is based on the Self-Employed Persons’ Pension Act is not the best alternative because the self-employed person’s pension earned income is not a cost-effective way to increase the old-age pension. The study indicates that the correct share of a self-employed person’s pension in the ProWirtus’ optimal pension portfolio is only 53 per cent....
Kuljetusvahinkojen vähentäminen laatujohtamisen avulla
(Laurea-ammattikorkeakoulu, 2010)
Tämän opinnäytetyön tarkoituksena on selvittää, mikä merkitys laatujohtamisella on logistiikan tavaraliikenteen kuljetusvahinkojen vähentämisessä. Tutkimusmenetelmänä käytetään kvalitatiivista tutkimusta. Tutkimusmenetelmän metodeina ovat kirjoituspöytätutkimus ja asiantuntijahaastattelut.
Kuljetusvahinkoja sattuu paljon ja niillä voi olla mittavat seuraukset. Menestyäkseen yrityksen on pystyttävä ehkäisemään kuljetusvahinkojen syntymistä. Tässä työssä tutkitaan, onko hyvin suunnitellun ja toteutetun laatujohtamisen avulla mahdollista ennaltaehkäistä näitä yrityksen katetta rasittavia vahinkoja ja pienentää niiden seurauksia. Työssä on esitelty yleisimmät tavaraliikenteen kuljetusvahingot, lähettäjän, rahdinkuljettajan ja vastaanottajan vastuut sekä laatujohtamisen tärkeimmät käsitteet ja työvälineet.
Laatujohtaminen on prosessi, joka painottaa laadulliseen virheettömyyteen kaikissa organisaation toiminnoissa. Johdon ja työntekijöiden panos omaan työhönsä on ratkaiseva tekijä työn laadussa ja vahinkojen syntymisessä. Laatujohtaminen on työkalu, jonka avulla johto voi motivoida työntekijöitä ottamaan vastuuta työstään ja parantamaan työn laatua.
Jos johto ja työntekijät toimivat laatujohtamisen periaatteiden ja standardien mukaan, on yrityksen mahdollista päästä tavoitteisiin ja vähentää kuljetusvahinkoja....
are harmful to a company's profit, with the help of well planned and implemented quality management. This thesis introduces the most common transport damages in logistics freight traffic, the responsibilities which sender, forwarder and receiver have...
are harmful to a company's profit, with the help of well planned and implemented quality management. This thesis introduces the most common transport damages in logistics freight traffic, the responsibilities which sender, forwarder and receiver have...
Asiakastyytyväisyystutkimus lakisääteisen tapaturmavakuutuksen korvauspalvelusta. Case: Fennia
(Laurea-ammattikorkeakoulu, 2010)
Opinnäytetyön tarkoituksena oli tutkia Keskinäinen vakuutusyhtiö Fennian henkilökorvauspalvelu-yksikön työtapaturmakorvausosaston asiakastyytyväisyyttä.
Tutkimuksessa keskityttiin osaston tapaturmaeläketiimin toimintaan ...
Asiat, jotka ratkaisevat, valitaanko työnhakija työhaastatteluun
(Laurea-ammattikorkeakoulu, 2010)
tutkimuksena ja tutkimusmenetelmä oli teemahaastattelu. Tutkimukseen osallistui yhteensä 11 rekrytointimaailman asiantuntijaa. Tutkimukseen osallistuneet henkilöt valittiin erittäin tarkoin ja heitä kaikkia yhdisti yksi sama tekijä. Heistä jokainen oli toiminut...
Issues which determine that a job seeker becomes chosen for a job interview The purpose of this thesis is to examine what issues determine that a job seeker becomes chosen for a job interview. In this thesis attention will be paid to issues job seekers should consider when applying for an open position and before going to a job interview. The thesis explains point by point what steps a job seeker should take in order for him to differentiate from the other applicants and improve his opportunity for becoming chosen for a job interview. The theoretical section of this thesis provides an overview to the selected topics. The supporting literature gives insight and perspective and also strengthened the researcher's own view of the chosen topic. Readers should note that the theoretical section is not focused on where jobs can be found. Instead, it focuses on issues between discovering an interesting open position and being chosen for the actual job interview itself. The main purpose of the research was to discover issues which determine whether the job seeker becomes chosen for the job interview or not. The research was qualitative research and the method used was a theme interview. The total of 11 recruiting experts took part in this research. Persons were selected carefully with one common factor: all are professional recruitment specialists with extensive experience in the field. The theme interview structure was used when analyzing the results. Material was analyzed by a counting method presented by Hirsjärvi and Hurme. The main finding in the research was that if a job seeker wants to become chosen for a job interview he or she has to match the profile in the job advertisement. This thesis shows that job seekers have to consider several issues in order to be chosen to a job interview. A job-seeking candidate can make a positive impression and improve opportunities by being realistic, matching the job profile, making an attractive and effective CV and job application, presenting oneself well and showing a true interest in the job opening....
Issues which determine that a job seeker becomes chosen for a job interview The purpose of this thesis is to examine what issues determine that a job seeker becomes chosen for a job interview. In this thesis attention will be paid to issues job seekers should consider when applying for an open position and before going to a job interview. The thesis explains point by point what steps a job seeker should take in order for him to differentiate from the other applicants and improve his opportunity for becoming chosen for a job interview. The theoretical section of this thesis provides an overview to the selected topics. The supporting literature gives insight and perspective and also strengthened the researcher's own view of the chosen topic. Readers should note that the theoretical section is not focused on where jobs can be found. Instead, it focuses on issues between discovering an interesting open position and being chosen for the actual job interview itself. The main purpose of the research was to discover issues which determine whether the job seeker becomes chosen for the job interview or not. The research was qualitative research and the method used was a theme interview. The total of 11 recruiting experts took part in this research. Persons were selected carefully with one common factor: all are professional recruitment specialists with extensive experience in the field. The theme interview structure was used when analyzing the results. Material was analyzed by a counting method presented by Hirsjärvi and Hurme. The main finding in the research was that if a job seeker wants to become chosen for a job interview he or she has to match the profile in the job advertisement. This thesis shows that job seekers have to consider several issues in order to be chosen to a job interview. A job-seeking candidate can make a positive impression and improve opportunities by being realistic, matching the job profile, making an attractive and effective CV and job application, presenting oneself well and showing a true interest in the job opening....
Fysioterapiakeskus OMT-klinikan asiakastyytyväisyys
(Laurea-ammattikorkeakoulu, 2010)
Tämän tutkimuksen tarkoituksena oli selvittää, kuinka tyytyväisiä Fysioterapiakeskus OMT-klinikan asiakkaat ovat klinikan toimintaan tällä hetkellä ja mitä kehitettävää klinikalla olisi tulevaisuudessa.
Keskeisinä ...









