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ProSharp- luistintenteroituskoneet – Tutkimus markkinapotentiaalista Kiinassa
(Laurea-ammattikorkeakoulu, 2009)
Tämän opinnäytetyön toimeksiantajina ovat ruotsalainen Eriksson Teknik AB sekä ProSharpin Suomen jälleenmyyjäyritys Peak Control Oy. Tämän opinnäytetyön tarkoituksena on selvittää, onko Eriksson Teknik AB:llä ja sen ...
TULOS- JA BONUSPALKKIOIDEN VAIKUTUS HENKILÖKOHTAISEEN MYYNTITYÖHÖN YRITYS X:SSÄ
(Laurea-ammattikorkeakoulu, 2009)
Tulos- ja bonuspalkkiojärjestelmät sekä sen eri osa-alueet ovat viime vuosina puhuttaneet yhä enemmän eri medioissa ja yritysmaailmassa. Yritykset ovat alkaneet käyttämään tulos- ja bonuspalkkioita yhä laajemmin perinteisen palkan lisänä, niin...
Company X’s incentive pay system and its effect on its salespersons Recently there have been numerous discussions in the media and the business world about different bonus and incentive pay systems. Companies have started to use bonus and incentive pay systems more commonly as a supplement to the salary of their executives and employees. In a global world, companies compete for the skillful work force and a good way to attract the skillful workers is to use bonuses and incentive pay systems. This thesis examines Company X’s incentive pay system and how the system affects its salespersons. The purpose of the study is to identify which parts of the incentive pay system motivate and encourage salespeople to achieve better results and which parts do not. Another purpose of the study is to identify possible flaws in order to develop the incentive pay system to be even more effective. Theories about selling, motivation, rewards, bonuses and monetary incentives were used for the theoretical subtext of the study. The study begins by clarifying how the current incentive pay system at Company X was functioning. This was accomplished by interviewing the executive vice president of Company X, who is also one of the persons that has been developing the system. The empirical element of the study was made as a questionnaire on the internet. Every salesperson had the opportunity to take part in the study. Company X has 70 salespersons, of which 52 took part in the questionnaire. The study was conducted quantitatively and the data from the questionnaire was analyzed by SPSS 13, 0 for Windows software and Microsoft Excel software. In general it can be said that most of the salespersons are pleased with the current incentive pay system and it is considered to be fair. On the other hand the familiarity with the current incentive pay system was quite weak among the workers. Almost everyone thought that salary, success in work and atmosphere of the workplace were strongly motivating and more flexible working hours would motivate most of the salespeople more. The survey also revealed that some non-monetary rewards were more motivating than many of the monetary ones. One interesting outcome of the analysis was that many sections of the incentive pay system motivate more the salespersons whose results are better on average; and also the longer a salesperson has worked at Company X, the better his/her results are....
Company X’s incentive pay system and its effect on its salespersons Recently there have been numerous discussions in the media and the business world about different bonus and incentive pay systems. Companies have started to use bonus and incentive pay systems more commonly as a supplement to the salary of their executives and employees. In a global world, companies compete for the skillful work force and a good way to attract the skillful workers is to use bonuses and incentive pay systems. This thesis examines Company X’s incentive pay system and how the system affects its salespersons. The purpose of the study is to identify which parts of the incentive pay system motivate and encourage salespeople to achieve better results and which parts do not. Another purpose of the study is to identify possible flaws in order to develop the incentive pay system to be even more effective. Theories about selling, motivation, rewards, bonuses and monetary incentives were used for the theoretical subtext of the study. The study begins by clarifying how the current incentive pay system at Company X was functioning. This was accomplished by interviewing the executive vice president of Company X, who is also one of the persons that has been developing the system. The empirical element of the study was made as a questionnaire on the internet. Every salesperson had the opportunity to take part in the study. Company X has 70 salespersons, of which 52 took part in the questionnaire. The study was conducted quantitatively and the data from the questionnaire was analyzed by SPSS 13, 0 for Windows software and Microsoft Excel software. In general it can be said that most of the salespersons are pleased with the current incentive pay system and it is considered to be fair. On the other hand the familiarity with the current incentive pay system was quite weak among the workers. Almost everyone thought that salary, success in work and atmosphere of the workplace were strongly motivating and more flexible working hours would motivate most of the salespeople more. The survey also revealed that some non-monetary rewards were more motivating than many of the monetary ones. One interesting outcome of the analysis was that many sections of the incentive pay system motivate more the salespersons whose results are better on average; and also the longer a salesperson has worked at Company X, the better his/her results are....
Kuntalaislähtöinen talousohjaus
(Laurea-ammattikorkeakoulu, 2009)
Opinnäytetyön tarkoituksena oli tutkia sekä kuntalaisen että talouden näkökulmasta kuntien talouden muodostumista ja siihen liittyviä erilaisia tekijöitä ja talousprosesseja sekä erilaisten tunnuslukujen käyttöä kunnan tilinpäätöksen analysoinnissa. Esimerkkikuntana käytettiin Kirkkonummen kuntaa sekä sen naapurikuntia, jotka sijaitsevat kaikki Etelä-Suomessa pääkaupunkiseudun läheisyydessä.
Opinnäytetyö oli tutkielmatyyppinen ja teoreettinen viitekehys lähti liikkeelle kunnallishallinnon peruskäsitteistä ja kunnan organisaation muodostumisesta. Sen jälkeen kunnan tehtävien kautta siirryttiin kunnan talouteen ja talousprosesseihin ja niiden ohjaamiseen sekä johtamiseen. Tämän jälkeen perehdyttiin kunnan tilinpäätöksen muodostumiseen ja tilinpäätöksen tärkeimpiin tunnuslukuihin ja lopuksi tutustuttiin Kirkkonummen kunnan tilinpäätökseen 2007 sekä naapurikuntien tilinpäätöksiin.
Tärkeimpiä lähteitä olivat alan kirjallisuus ja eri kuntien tilinpäätökset. Tunnuslukujen laskentakaavat saatiin Suomen Kuntaliiton julkaisuista. Yksi tärkeimmistä lähteistä oli kuntalaki, sillä melkein kaikki kunnan toiminnot perustuvat suoraan tai välillisesti siihen.
Kunnat ovat tärkeä ja merkittävä osa suomalaista yhteiskuntaa ja niillä on paljon valtaa, mutta myös velvoitteita kuntalaisiaan kohtaan. Kunnan johtaminen ei ole sen helpompaa kuin yrityksenkään, vaikkakin pääpaino on hieman erilaisissa asioissa, sillä kunta ei ole voittoa tuottava yksikkö, toisin kuin yrityksen on tarkoitus olla. Silti kunnan talouden tulisi olla mahdollisimman tasapainossa ja vakavaraista, jotta kunta pystyisi tuottamaan palveluja kuntalaisille ja kehittymään sekä kasvamaan.
Viime vuosina Suomessa on ollut korkeasuhdanne. Nykyinen tilanne on erilainen, sillä maailman vallannut taantuma yllätti kaikki nopeudellaan ja vaikutuksillaan ja sen odotetaan myös vaikuttavan kuntien talouteen pienellä viiveellä. Onkin odotettavissa, että vuosi 2010 tulee olemaan erittäin vaikea kunnille taloudellisesti....
and the theoretical framework started with the basic concepts of municipal management and the formation of an organization of municipalities. After that the thesis examines the tasks and economy of the municipality and economy processes and their guiding and leading...
and the theoretical framework started with the basic concepts of municipal management and the formation of an organization of municipalities. After that the thesis examines the tasks and economy of the municipality and economy processes and their guiding and leading...
Opiskelijakunta HELGAn imago
(Laurea-ammattikorkeakoulu, 2009)
Tämä on imagotutkimus HAAGA-HELIA ammattikorkeakoulun opiskelijakunta HELGAlle. HELGA on muodostunut Haaga instituutin, Helsigin Liiketalouden ammattikorkeakoulun ja näiden opiskelijakuntien yhdistyessä. Työssä selvitetään opiskelijoiden...
The Image of HELGA Student Union This Bachelor’s thesis examines the image of HELGA, the Student Union of HAAGA-HELIA Uni-versity of Applied Sciences. When HAAGA institute, HELIA (Business school of Helsinki) and Student Unions of both universities united HELGA was formed. This thesis is focused on exploring the image HELGA has been able to create from the students’ perspective. HELGA is a young Student Union and it has never had an image survey done. In HAAGA-HELIA the Student Union has had good acceptance among students. Nevertheless, the number of members is low. Because there is always one Student Union in a University of Applied Sciences, there are no competitors from which HELGA should stand out. Despite this, it is important for the function of Student Union that it has a good image. The Student Union operates with the help of active students and a couple of employees. As the name tells, the Student Union is for students. It can be compared to trade unions of different branches. Studying is work of students and there has to be someone to keep an eye on it. Students’ positive perception of the Student Union will create a positive circle. The freshmen will willingly join in the Student Union, which they have heard approving things of. There is a good chance to develop and stabilise the function of Student Union with the help of active members. The image survey is accomplished with a web inquiry. The inquiry was e-mailed to all HAAGA-HELIA’s students who began their studies in autumn 2008. According to the results of inquiry it is possible to examine what kind of conceptions students have on HELGA. Before the examination part it is good to go through in theory why a good image is so important for the function of an organization. An image is a picture of something. In the theoretical section the image has been explored in perspective of an organization, how an organization can create its corporate image. In the beginning of survey section the demand of the survey and survey design has been presented. After that the results of the inquiry has been brought out and analyzed. According to the survey Student Union HELGA has managed to create a dependable and reliable image of itself among the students of HAAGA-HELIA. There are also some things of with which the students are not satisfied. According to the inquiry the main points that HELGA should develop and improve in its operation are information and accessibility. Based on the results of the survey there are some factors which could help HELGA to improve serving both members and other students of HAAGA-HELIA. During this thesis has been completed the Student Union HELGA has developed which has also been pointed out. As a conclusion of the survey one can conclude that the main job of HELGA is create community spirit in HAAGA-HELIA with the help of good image and reputation. With the help of community spirit HELGA can raise its number of members and guarantee the function of the Student Union in the future....
The Image of HELGA Student Union This Bachelor’s thesis examines the image of HELGA, the Student Union of HAAGA-HELIA Uni-versity of Applied Sciences. When HAAGA institute, HELIA (Business school of Helsinki) and Student Unions of both universities united HELGA was formed. This thesis is focused on exploring the image HELGA has been able to create from the students’ perspective. HELGA is a young Student Union and it has never had an image survey done. In HAAGA-HELIA the Student Union has had good acceptance among students. Nevertheless, the number of members is low. Because there is always one Student Union in a University of Applied Sciences, there are no competitors from which HELGA should stand out. Despite this, it is important for the function of Student Union that it has a good image. The Student Union operates with the help of active students and a couple of employees. As the name tells, the Student Union is for students. It can be compared to trade unions of different branches. Studying is work of students and there has to be someone to keep an eye on it. Students’ positive perception of the Student Union will create a positive circle. The freshmen will willingly join in the Student Union, which they have heard approving things of. There is a good chance to develop and stabilise the function of Student Union with the help of active members. The image survey is accomplished with a web inquiry. The inquiry was e-mailed to all HAAGA-HELIA’s students who began their studies in autumn 2008. According to the results of inquiry it is possible to examine what kind of conceptions students have on HELGA. Before the examination part it is good to go through in theory why a good image is so important for the function of an organization. An image is a picture of something. In the theoretical section the image has been explored in perspective of an organization, how an organization can create its corporate image. In the beginning of survey section the demand of the survey and survey design has been presented. After that the results of the inquiry has been brought out and analyzed. According to the survey Student Union HELGA has managed to create a dependable and reliable image of itself among the students of HAAGA-HELIA. There are also some things of with which the students are not satisfied. According to the inquiry the main points that HELGA should develop and improve in its operation are information and accessibility. Based on the results of the survey there are some factors which could help HELGA to improve serving both members and other students of HAAGA-HELIA. During this thesis has been completed the Student Union HELGA has developed which has also been pointed out. As a conclusion of the survey one can conclude that the main job of HELGA is create community spirit in HAAGA-HELIA with the help of good image and reputation. With the help of community spirit HELGA can raise its number of members and guarantee the function of the Student Union in the future....
Koulutustarpeen kartoitus ja koulutuksen suunnittelu matkalaskuohjelman vaihdoksessa
(Laurea-ammattikorkeakoulu, 2009)
Laurea–ammattikorkeakoulussa vaihtui huhtikuussa 2009 matkalaskuohjelma. Voyager-ohjelman tilalle tuli TEM. Opinnäytetyöni tavoitteena oli selvittää, tarvitseeko TEM–ohjelman käyttöön liittyen järjestää koulutusta Laurean henkilöstölle. Toisena osana ja tavoitteena työssä oli suunnitella tämä koulutus. Koulutustarpeen kartoitusta ja koulutuksen suunnittelua on tarkoitus hyödyntää myös tulevissa ohjelmanvaihdosprosesseissa.
Matkalaskuohjelman vaihtaminen oli pakkotoimenpide, koska edelliselle ohjelmalle ei enää saatu käyttäjätukea eikä uusia päivityksiä. Vaihdoksen johdosta koko matkalaskuprosessi muuttuu. Yksi väliporras jää prosessista pois ja jokaisen täytyy uuden ohjelman myötä tehdä itse matkalaskunsa, toisin kuin ennen. Prosessi muuttuu myös yksinkertaisemmaksi ja läpinäkyvämmäksi Internet–selainversion sekä liitteiden skannauksen myötä.
Teoriaosiossa käsitellään koulutustarvetta, tietojärjestelmien käyttöönottoa, työelämän vaatimuksia, motivaatiota ja aikuista oppijana. Lisäksi työssä esitellään erilaisia lähestymistapoja oppimiseen sekä opetusmenetelmiä kolmen ryhmän mukaan. Näitä ovat kouluttajan ja oppijoiden yhteinen työskentely, yksilökeskeiset opetusmenetelmät sekä ryhmätyömenetelmät. Myös koulutuksen suunnittelusta on oma teoriaosionsa.
Koulutustarvetta tutkittiin kahdella tutkimuksella. Toinen oli Laurean talous– ja matkasihteereille ja toinen muulle henkilöstölle. Talous– ja matkasihteeritutkimuksessa 14 henkilöstä vastasi 12 eli vastausprosentti oli 85,7. Tutkimuksessa kysyttiin talous– ja matkasihteereiden mielipidettä omaan koulutukseen sekä henkilöstön koulutukseen liittyen. Tulokseksi saatiin, että koulutus olisi tarpeen heille sekä koko muulle henkilöstölle. Toinen kysely lähetettiin koko henkilöstölle lukuun ottamatta talous– ja matkasihteereitä eli 549 henkilölle, joista 134 vastasi. Vastausprosentiksi saadaan 24,4. Tulokset ovat samansuuntaiset talous– ja matkasihteeritutkimuksen kanssa. Vastausprosentti jäi pieneksi, mutta saatujen vastausten perusteella koulutukselle olisi tarvetta. Lisäksi talous– ja matkasihteeritutkimus tukee henkilöstötutkimuksen tuloksia.
Taloussihteereille on hyvä järjestää erikseen koulutus samoin kuin matkalaskujen hyväksyjille. Muulle henkilöstölle koulutus kannattaa järjestää toimipisteittäin, jolloin ryhmät eivät muodostu liian suuriksi. Opetusmenetelmäksi sopii demonstraatio, koska siinä ohjelman käyttö voidaan näyttää konkreettisesti koulutustilanteessa. Koulutus olisi tutkimuksen mukaan ollut hyvä järjestää ennen ohjelman käyttöönottoa. Tätä tulosta voidaan hyödyntää tulevien koulutusten ajankohtaa suunniteltaessa. Työssä on myös ehdotuksia muiden opetusmenetelmien käyttämisestä erilaisissa koulutuksissa Laureassa....
Laurea University of Applied Sciences replaced the previous travelling-expenses account program Voyager with a new program TEM (Travel and Expense Management). The purpose of this thesis was to discover a possible need to organize training for the TEM...
Laurea University of Applied Sciences replaced the previous travelling-expenses account program Voyager with a new program TEM (Travel and Expense Management). The purpose of this thesis was to discover a possible need to organize training for the TEM...
Luhdan tuotesijoittelu katsojien kokemana Big Brother –tosi-tv-ohjelmassa
(Laurea-ammattikorkeakoulu, 2009)
Tämän opinnäytetyön tarkoituksena on selvittää miten Luhdan mukanaolo Big Brotherissa vaikutti vastaajien mielikuvaan Luhdasta. Tutkimuksen avulla haluttiin myös selvittää mitä Luhdan tuotteita vastaajat olivat havainneet ...
Palvelun laatututkimus - Case Finavia VIP-palvelut
(Laurea-ammattikorkeakoulu, 2009)
Opinnäytetyö on toimintakeskeinen kehittämishanke, jonka aiheena on palvelun laatututkimus Finavian VIP- palveluille. Finavian VIP-palvelut tarjoaa henkilökohtaista saatto-ja vastaanottopalvelua asiakasyrityksilleen. Työn aihe syntyi kohdeyrityksen...
Survey of service quality, case: Finavia VIP Services This thesis is a practically- oriented project aimed at conducting a survey on the service quality of Finavia VIP Services. Finavia’s VIP Services offer personalised welcome services to its business customers. The focus of the thesis originated from a need by the target company to gain a realistic view of its customer satisfaction in service quality. The survey was the first of its kind for Finavia and therefore timely. With the research, customers’ opinions concerning personnel, space and functionality of the service were examined. One objective of the thesis was also to discover the willingness of the customers to participate in the development process together with the service provider. The thesis consists of a theoretical section, research methodology, the results and proposals for future development. The theoretical section analyses the process of service quality and how it can be developed. The section also discusses about SERVQUAL method and Service De-sign, both of which were utilized in implementing the research. The SERVQUAL method con-sists of ten factors measuring customer perceptions on service quality. Service Design aims at developing the service in co-operation with the customer by focusing on customers’ needs and preferences. In order to identify the current situation in the company and to understand the service pro-cesses, theme interviews and observations were made in addition to making use of earlier studies on the subject. The current situation of the service quality and the need for develop-ment were examined with a structured enquiry that was partly based on the SERVQUAL method. Service Design was utilized in customer enquiries and creating the enquiry form. The target group of the research consisted of 20 most important business or organization custom-ers that purchased services for their own customers or personnel. Results of the research indicated that customers were satisfied with the quality of the service and consider the VIP Services a reliable service provider, the strength being the professionality of the personnel. Issues for future development were also identified, especially the physical environment – ie the facilities, and the operation of stakeholders. The problems in question can be improved by investing into interior decoration, enhancing the communication with stakeholders and by improving the support processes of the service to meet the needs of the customer. By investing in customer relations and focusing on customer needs, it will be easier to observe the quality of service and to meet customer expectations....
Survey of service quality, case: Finavia VIP Services This thesis is a practically- oriented project aimed at conducting a survey on the service quality of Finavia VIP Services. Finavia’s VIP Services offer personalised welcome services to its business customers. The focus of the thesis originated from a need by the target company to gain a realistic view of its customer satisfaction in service quality. The survey was the first of its kind for Finavia and therefore timely. With the research, customers’ opinions concerning personnel, space and functionality of the service were examined. One objective of the thesis was also to discover the willingness of the customers to participate in the development process together with the service provider. The thesis consists of a theoretical section, research methodology, the results and proposals for future development. The theoretical section analyses the process of service quality and how it can be developed. The section also discusses about SERVQUAL method and Service De-sign, both of which were utilized in implementing the research. The SERVQUAL method con-sists of ten factors measuring customer perceptions on service quality. Service Design aims at developing the service in co-operation with the customer by focusing on customers’ needs and preferences. In order to identify the current situation in the company and to understand the service pro-cesses, theme interviews and observations were made in addition to making use of earlier studies on the subject. The current situation of the service quality and the need for develop-ment were examined with a structured enquiry that was partly based on the SERVQUAL method. Service Design was utilized in customer enquiries and creating the enquiry form. The target group of the research consisted of 20 most important business or organization custom-ers that purchased services for their own customers or personnel. Results of the research indicated that customers were satisfied with the quality of the service and consider the VIP Services a reliable service provider, the strength being the professionality of the personnel. Issues for future development were also identified, especially the physical environment – ie the facilities, and the operation of stakeholders. The problems in question can be improved by investing into interior decoration, enhancing the communication with stakeholders and by improving the support processes of the service to meet the needs of the customer. By investing in customer relations and focusing on customer needs, it will be easier to observe the quality of service and to meet customer expectations....
Kiekko-Vantaan jääkiekkomessut. : Sponsoroinnin yhdistäminen urheilutapahtumaan
(Laurea-ammattikorkeakoulu, 2009)
Kiekko-Vantaan jääkiekkomessut
Sponsoroinnin yhdistäminen urheilutapahtumaan
Opinnäytetyöni tarkoitus on suunnitella Kiekko-Vantaa -seuralle jääkiekkomessuja ja kertoa mitä tapahtuminen järjestäminen vaatii. Jääkiekkomessujen ...
Brändikuvan muodostuminen - case FC Honka
(Laurea-ammattikorkeakoulu, 2009)
Opinnäytetyöni tekovaiheessa monet markkinat ovat taloudellisessa kriisissä ja maailman talous on pahassa lamassa. Tämä näkyy myös urheilun parissa, koska esimerkiksi sponsorien saaminen on vaikeampaa ja siksi seurojen henkilöstökuluja sekä...
Brand promise and meeting the set targets – Case FC Honka Due to the current financial crisis the economic conditions have significantly changed throughout the process of conducting this thesis. It has affected the sports business as well. For example signing new sponsorship contracts is more difficult and therefore sports clubs have had to lower their staff expenses and player budgets. Because of the economic downturn people do not spend as much money as they used to. This has affected the Finnish football clubs by decreased number of spectators. Success in football is difficult to create and this situation is challenging for the clubs. Clubs need to be successful in order to keep their fans satisfied and to make their brand famous. Brand development is important for the clubs although at the same time financial resources are decreasing. This thesis was conducted as an assignment for Pallohonka RY, which is responsible for FC Honka. The research examined definite target group’s opinions of the FC Honka brand promise. FC Honka rose to the Veikkausliiga in 2005. At the same time plans for a new stadium and different playing style were made. Also new values for FC Honka were presented. Now after four years of action the club wanted to investigate the current status of their brand promise. This topic had not been studied before so therefore the subject is current and interesting. The object of this study was to discover how satisfied the defined target group was with the FC Honka brand promises. The results are intended to be guiding and can be used as a tool in development processes of the FC Honka brand. The used research method was quantitative. The data was collected in September with an electronic questionnaire with 15 multiple-choice questions and 2 open questions. The theory section of this study investigates brand and brand promises. The results showed that customers were satisfied with the functions of FC Honka brand promises. Customers were especially satisfied with the quality of the differentiated playing style and education of young people....
Brand promise and meeting the set targets – Case FC Honka Due to the current financial crisis the economic conditions have significantly changed throughout the process of conducting this thesis. It has affected the sports business as well. For example signing new sponsorship contracts is more difficult and therefore sports clubs have had to lower their staff expenses and player budgets. Because of the economic downturn people do not spend as much money as they used to. This has affected the Finnish football clubs by decreased number of spectators. Success in football is difficult to create and this situation is challenging for the clubs. Clubs need to be successful in order to keep their fans satisfied and to make their brand famous. Brand development is important for the clubs although at the same time financial resources are decreasing. This thesis was conducted as an assignment for Pallohonka RY, which is responsible for FC Honka. The research examined definite target group’s opinions of the FC Honka brand promise. FC Honka rose to the Veikkausliiga in 2005. At the same time plans for a new stadium and different playing style were made. Also new values for FC Honka were presented. Now after four years of action the club wanted to investigate the current status of their brand promise. This topic had not been studied before so therefore the subject is current and interesting. The object of this study was to discover how satisfied the defined target group was with the FC Honka brand promises. The results are intended to be guiding and can be used as a tool in development processes of the FC Honka brand. The used research method was quantitative. The data was collected in September with an electronic questionnaire with 15 multiple-choice questions and 2 open questions. The theory section of this study investigates brand and brand promises. The results showed that customers were satisfied with the functions of FC Honka brand promises. Customers were especially satisfied with the quality of the differentiated playing style and education of young people....
Asuntosijoittaminen yksityishenkilön näkökulmasta – vertailu Suomi ja Espanja
(Laurea-ammattikorkeakoulu, 2009)
Opinnäytetyön aiheena on sijoittaminen asuinkiinteistöihin yksityishenkilön näkökulmasta. Tutkimuksen taustalla on vallitseva taloustilanne, joka tarjoaa oivan hetken sijoittaa asuntoi-hin. Moni sijoittaja ei kuitenkaan ole valmis näkemään sitä vaivaa, joka sijoitusasunnon osta-misesta seuraa, etenkin jos kohde sijaitsee ulkomailla. Tarkoituksena opinnäytetyössä oli perehtyä asunto- ja rahoitusmarkkinoihin sekä tarkastella asuntosijoittamisen kannattavuutta kahden maan välillä. Tarkastelukohteiksi valittiin Suomi ja Espanja.
Opinnäytetyössä tarkasteltiin molempien maiden kohdalla sekä rahoitus- että asuntomarkki-noiden tilannetta viimeisten vuosikymmenten aikana. Rahoitusmarkkinoiden osalta tarkastel-tiin tekijöitä, joilla on ensisijainen vaikutus asuntomarkkinoiden kehitykseen: rahoituksen saatavuus ja korkotaso. Asuntomarkkinoiden osalta tarkasteltiin asuntosijoittamisen kannat-tavuuteen välittömästi vaikuttavia tekijöitä: asuntojen hintakehitys, vuokrien hintakehitys sekä asuntojen arvonmuutos.
Opinnäytetyön teoreettinen osio perustuu kirjallisuuteen, aikaisemmin tehtyihin asuntomark-kinoita koskeviin tutkimuksiin, asuntosijoittamista käsitteleviin ajankohtaisiin artikkeleihin sekä aiheeseen liittyviin tilastoihin. Opinnäytetyön empiirinen osio koostuu kvalitatiivisesta haastattelututkimuksesta. Haastattelututkimus toteutettiin teemahaastatteluna maalis-huhtikuun aikana kiinteistöalan ammattilaisille, joilla on pitkän työkokemuksen kautta vahva tietämys Espanjan asuntomarkkinoista. Yksilöhaastatteluina toteutettujen teemahaastattelui-den avulla saatiin hyvin esiin haastateltavien kokemuksia, näkemyksiä ja uskomuksia Espanjan asuntomarkkinoiden nykytilanteesta sekä tulevaisuuden näkymistä.
Asuntosijoittamisen peruslähtökohtana on kannattavan sijoituskohteen löytäminen. Kannatta-van sijoituskohteen löytäminen edellyttää huolellisuutta ja perehtymistä, joten on tärkeää arvioida, mitä asunnosta kannattaa maksaa ja mitä siitä saa takaisin vuokratuottojen sekä arvonnousun myötä. Tutkimuksessa tarkasteltiin optimaalista asuntosijoitusstrategiaa maan-tieteellisestä näkökulmasta: kumpaan edellä mainituista maista asuntosijoitus on kannatta-vampaa tehdä sijoittajan toimiessa pitkällä aikavälillä. Nämä seikat huomioon ottaen opin-näytetyössä tehtiin investointilaskelmat, jotka pohjautuvat niin Suomen kuin Espanjankin kohdalla niiden kansallisten tilastokeskusten julkaisemien tietojen keskimääräisiin arvoihin.
Tutkimuksesta selvisi, että suomalaisen yksityishenkilön näkökulmasta asuntosijoittaminen on pitkällä aikavälillä kannattavampaa Espanjassa kuin Suomessa. Tutkimuksen perusteella suu-rimmat erot näiden kahden maan välillä ovat asuntojen hintatasossa, vuokratasossa, hallin-nointikustannuksissa, arvonnousussa sekä maiden toisistaan poikkeavissa pääomatuloverotuk-sissa. Tutkimuksesta selvisi, että rahoituksesta aiheutuvat kustannukset ovat vähemmän kan-nattavuuden eroihin vaikuttava tekijä vertailtaessa asuntosijoittamista Suomen ja Espanjan välillä....
the past decade in this thesis. From the perspective of financial markets only factors that have instant impact for the development of housing markets were analyzed: the avail-ability of financing and the interest rate level. From the perspective of housing...
the past decade in this thesis. From the perspective of financial markets only factors that have instant impact for the development of housing markets were analyzed: the avail-ability of financing and the interest rate level. From the perspective of housing...









