Evaluating multidimensional visualization techniques in data mining tasks

Visual data mining (VDM) tools employ information visualization techniques in order to represent large amounts of high-dimensional data graphically and to involve the user in exploring data at different levels of detail. The users are looking for outliers, patterns and models – in the form of clusters, classes, trends, and relationships – in different categories of data, i.e., financial, business information, etc. The focus of this thesis is the evaluation of multidimensional visualization techniques, especially from the business user’s perspective. We address three research problems. The first problem is the evaluation of projection-based visualizations with respect to their effectiveness in preserving the original distances between data points and the clustering structure of the data. In this respect, we propose the use of existing clustering validity measures. We illustrate their usefulness in evaluating five visualization techniques: Principal Components Analysis (PCA), Sammon’s Mapping, Self-Organizing Map (SOM), Radial Coordinate Visualization and Star Coordinates. The second problem is concerned with evaluating different visualization techniques as to their effectiveness in visual data mining of business data. For this purpose, we propose an inquiry evaluation technique and conduct the evaluation of nine visualization techniques. The visualizations under evaluation are Multiple Line Graphs, Permutation Matrix, Survey Plot, Scatter Plot Matrix, Parallel Coordinates, Treemap, PCA, Sammon’s Mapping and the SOM. The third problem is the evaluation of quality of use of VDM tools. We provide a conceptual framework for evaluating the quality of use of VDM tools and apply it to the evaluation of the SOM. In the evaluation, we use an inquiry technique for which we developed a questionnaire based on the proposed framework. The contributions of the thesis consist of three new evaluation techniques and the results obtained by applying these evaluation techniques. The thesis provides a systematic approach to evaluation of various visualization techniques. In this respect, first, we performed and described the evaluations in a systematic way, highlighting the evaluation activities, and their inputs and outputs. Secondly, we integrated the evaluation studies in the broad framework of usability evaluation. The results of the evaluations are intended to help developers and researchers of visualization systems to select appropriate visualization techniques in specific situations. The results of the evaluations also contribute to the understanding of the strengths and limitations of the visualization techniques evaluated and further to the improvement of these techniques.

Ulkoistettujen logistiikkapalveluiden kustannusrakenne ja säästöpotentiaali

Työ käsittelee ulkoistettujen logistiikkapalveluiden kustannusrakennetta sekä niiden mahdollista säästöpotentiaalia. Asetettu säästötavoite on kymmenen prosenttia. Logistiikkakustannukset muodostuvat pääpiirteissään ostorahdista, myyntirahdista, varastojen ja tuotantolaitoksen välisistä rahdeista sekä ulkopuolisilta toimijoilta vuokratuista varastoista. Työn teettävän yrityksen logistiikkakustannusten kustannusjakaumat tulee selvittää tekijöittäin perinpohjaisesti. Kustannustekijöiden määrittämisen jälkeen kustannukset on kohdistettu kullekin tekijälle yksitellen. Kustannustietojen osalta tutkimus kohdistui yrityksen omaan raportointiin, kirjanpitoon, palveluita tarjoavien toimijoiden laskutukseen sekä toimijoiden rahtien ja varastoinnin dokumentointeihin. Työn teoriaosuus pohjautuu tieteellisiin artikkeleihin ja kirjallisuuteen. Tutkimuskohteiden ja asetetun säästötavoitteen pohjalta on haarukoitu keinoja säästötavoitteen saavuttamiseksi. Kustannussäästöjä on haettu kahta eri reittiä pitkin. Ensimmäiseksi säästöjä haetaan organisaation oman toiminnan tehostamisella ja sitä kautta löytyvillä muutoksilla nykyiseen toimintamalliin nähden. Toinen tutkimuspolku on säästöjen hakeminen investointeja tekemällä. Oman toiminnan tehostamisen toimenpiteillä sekä investointeja tekemällä on mahdollista päästä asetettuun säästötavoitteeseen koskien yrityksen logistiikkakustannuksia.

Nikkelille selektiivisen kelatoivan adsorbenttimateriaalin valmistus ja tutkiminen

Metallien laajamittaisen ja runsaan käytön vuoksi nykyään on keskityttävä aikaisempaa tarkemmin metallipäästöjen estämiseen ja puhdistamiseen. Metallien puhdistamiseen jätevesistä voidaan käyttää erilaisia yksikköoperaatiomenetelmiä, mutta selektiivisempään erotukseen päästään ioninvaihto- ja adsorbenttimateriaaleilla. Työn tarkoitusena on valmistaa ja tutkia nikkeliselektiivisiä adsorbenttimateriaaleja. Lisäksi tutkimuskohteena on nikkelin ja 1,10-fenantroliinin välisen kompleksin muodostuminen eri pH-arvoilla. Selektiivisten adsorbenttimateriaalien valmistaminen onnistuu liittämällä kiinteään kantajaan ligandi. Tämän työn tapauksessa nikkelitemplaatin liittäminen kiinteään kantajaan funktionalisointivaiheessa muodostaa adsorbenttiin nikkelille spesifisen kohdan. Käytännössä spesifisyyden syntyminen ei ole itsestäänselvyys, vaan se riippuu paljon funktionalisointitavasta. Tässä työssä funktionalisointitapana olivat fysikaalinen adsorptio ja impregnointi. Nikkelin ja 1,10-fenantroliinin välisen kompleksin muodostumista tutkittiin eri pH-arvojen lisäksi neljällä eri happokonsentraatiolla. Tuloksia verrattiin sellaisen liuoksen spektriin, missä oli pelkkää nikkeliä. Tuloksista havaittiin, että komplekseja muodostuu käytännössä samalla tavalla pH:n ollessa 1–6. Vasta 5 M HNO3 alkoi heikentää kompleksien muodostumista, ja 10 M HNO3 esti kompleksien muodostumisen täysin. Adsorbenttimateriaaleja valmistettiin useita erilaisia, joihin osaan liitettiin nikkelitemplaatti ja osa jätettiin ilman templaattia. Työssä keskityttiin tutkimaan erityisesti kolmea silikasta valmistettua materiaalia, joissa vain kahdessa oli nikkelitemplaatti. Nikkelitemplaattien olemassaololla ei havaittu olevan juurikaan merkitystä nikkelin erottamiseen vesiliuoksista. Materiaaleille tehdyt regenerointikokeet osoittivat, että materiaalien toiminta ja kapasiteetti eivät olleet toivotulla tasolla.

Mapping financial stability

The ongoing global financial crisis has demonstrated the importance of a systemwide, or macroprudential, approach to safeguarding financial stability. An essential part of macroprudential oversight concerns the tasks of early identification and assessment of risks and vulnerabilities that eventually may lead to a systemic financial crisis. Thriving tools are crucial as they allow early policy actions to decrease or prevent further build-up of risks or to otherwise enhance the shock absorption capacity of the financial system. In the literature, three types of systemic risk can be identified: i ) build-up of widespread imbalances, ii ) exogenous aggregate shocks, and iii ) contagion. Accordingly, the systemic risks are matched by three categories of analytical methods for decision support: i ) early-warning, ii ) macro stress-testing, and iii ) contagion models. Stimulated by the prolonged global financial crisis, today's toolbox of analytical methods includes a wide range of innovative solutions to the two tasks of risk identification and risk assessment. Yet, the literature lacks a focus on the task of risk communication. This thesis discusses macroprudential oversight from the viewpoint of all three tasks: Within analytical tools for risk identification and risk assessment, the focus concerns a tight integration of means for risk communication. Data and dimension reduction methods, and their combinations, hold promise for representing multivariate data structures in easily understandable formats. The overall task of this thesis is to represent high-dimensional data concerning financial entities on lowdimensional displays. The low-dimensional representations have two subtasks: i ) to function as a display for individual data concerning entities and their time series, and ii ) to use the display as a basis to which additional information can be linked. The final nuance of the task is, however, set by the needs of the domain, data and methods. The following ve questions comprise subsequent steps addressed in the process of this thesis: 1. What are the needs for macroprudential oversight? 2. What form do macroprudential data take? 3. Which data and dimension reduction methods hold most promise for the task? 4. How should the methods be extended and enhanced for the task? 5. How should the methods and their extensions be applied to the task? Based upon the Self-Organizing Map (SOM), this thesis not only creates the Self-Organizing Financial Stability Map (SOFSM), but also lays out a general framework for mapping the state of financial stability. This thesis also introduces three extensions to the standard SOM for enhancing the visualization and extraction of information: i ) fuzzifications, ii ) transition probabilities, and iii ) network analysis. Thus, the SOFSM functions as a display for risk identification, on top of which risk assessments can be illustrated. In addition, this thesis puts forward the Self-Organizing Time Map (SOTM) to provide means for visual dynamic clustering, which in the context of macroprudential oversight concerns the identification of cross-sectional changes in risks and vulnerabilities over time. Rather than automated analysis, the aim of visual means for identifying and assessing risks is to support disciplined and structured judgmental analysis based upon policymakers' experience and domain intelligence, as well as external risk communication.

Quality enhancement in teacher education : Tanzanian teacher educators’ conceptions and experiences

The overall aim of this study was to investigate and examine teacher educators’ conceptions and experiences of quality of teacher education. The research interest therefore was two-fold: a) to deepen understanding of the concept quality and b) scrutinize experiences of teacher educators of quality enhancement. To achieve this ambition the study was conducted in the context of a newly established university college-based teacher education in Tanzania. Two research questions guided the study. The first focused on investigating how teacher educators conceived quality in the domain of teacher education and the second intended to explore teacher educators’ experiences of quality enhancement. The theoretical framework of the study centered on the concepts of teacher education, quality, and criteria for quality enhancement. Phenomenographic and phenomenological approaches under the main umbrella of qualitative research design were selected. Twenty five teacher educators participated in the study. Interviews were used for the collection of the data. The results of the first research question, in brief, indicate that teacher educators’ conceptions of quality are expressed in two main categories, namely, outstanding academic scholarship and adequate professional scholarship. Quality as outstanding academic scholarship was illustrated by two subcategories: excellence and positive transformation. While the former was composed of two aspects, the latter was demonstrated by three aspects. Quality as adequate professional scholarship was described in three sub-categories. The first was improved teaching competency, consisting of two aspects. The second was conscious research orientation, which is displayed by three aspects, and the last was enhancing the ability to reflect, represented by two aspects. The results of the second research question, which focused on exploring teacher educators’ experience of quality enhancement, were classified into two main categories of description: insufficient programs of teacher education and unsatisfactory professional development of teacher educators. From the two categories, the strengths, weaknesses, opportunities and challenges related to programs of educating teachers, particularly curriculum development and implementation, and the professional development of educators, were exposed. Since the ambition of conducting the study was to deepen the understanding by producing insight that would act as a platform for appraising and enhancing the quality of teacher education, the results hopefully can be used for the development of the quality of teacher education in Tanzania.

Information and appearance - design creating value for wearable technology items in B2C markets

The objective of the thesis is to study the role of design in adding value for wearable technology (WT) items in B2C markets by applying previous value creation literature to the subject. The thesis investigates value creation through types of value perceived by the customer being functional/instrumental, experiential/hedonic, symbolic/expressive and cost/sacrifice. The data was collected in face-to-face interviews with both consumers and industry experts. The results suggest that value perceived by both experts and consumers in every end-user category was elementarily functional, however, design was considered to bring most added value to WT in the categories of health and medicine, infotainment, and fashion. Also, WT ought to have same characteristics as regular clothing in order to attract mass markets. The results of the study suggest that companies should invest in design in order to gain long-term user engagement.

Microenterprise success and failure factors

The purpose of this study is to identify factors contributory to success or failure of a microenterprise. Microenterprise is an enterprise with less than10 employees. About 99 % of all Finnish enterprises fall in this category. Earlier studies do not provide a comprehensive view on microenterprise success and failure factors. The theoretical part discusses the definition of success and failure, previous research and results already established about the topic and categories of business environment. The empirical part is founded on quantitative survey results from 204 Finnish microenterprises. The questions of the survey were based on previous surveys, literature and intuition. Both success and failure factors were enquired. Summary of the results was made and the results were compared among successful and unsuccessful enterprises. In open-end questions, the most important factors mentioned to affect enterprise performance positively were "Employees", "Customers" and "Skills, knowledge, education and experience." The most important factors affecting enterprise performance negatively were "Economical situation", "Employees availability and attitudes" as well as "Political decisions and passed laws". In Likert-scale set of questions, the most significant factors from the point of view of enterprise performance were "Product and / or service good quality", "Good reputation of the company" and "Staff's strong skills". The least significant factors were "Effect of marketing and promotion", "Conflicts" and "Differences of points of views of different generations". By Likert-scale set of questions, it was also tested which operations the enterprises perform, and according to the results, successful enterprises found "Performing a market research", "Use of distribution channel in sales" and "Expanding to new markets" less important than unsuccessful enterprises. The tests proved that the age of the enterprise correlates with the level of success of the enterprise: The younger the enterprise, the more successful it is. In addition, the results show that if the enterprise is family based, the less successful it is. In addition, there was also slight correlation between success and the level of growth, indicating that higher the level of growth the more successful the enterprise is. From the business environment point of view, the key finding was that internal factors affect more on the success of an enterprise than external factors, and that external factors affect more on the failure of an enterprise than internal factors.

Target audience analysis in cyber domain

This thesis aims to find an effective way of conducting a target audience analysis (TAA) in cyber domain. There are two main focal points that are addressed; the nature of the cyber domain and the method of the TAA. Of the cyber domain the object is to find the opportunities, restrictions and caveats that result from its digital and temporal nature. This is the environment in which the TAA method is examined in this study. As the TAA is an important step of any psychological operation and critical to its success, the method used must cover all the main aspects affecting the choice of a proper target audience. The first part of the research was done by sending an open-ended questionnaire to operators in the field of information warfare both in Finland and abroad. As the results were inconclusive, the research was completed by assessing the applicability of United States Army Joint Publication FM 3-05.301 in the cyber domain via a theory-based content analysis. FM 3- 05.301 was chosen because it presents a complete method of the TAA process. The findings were tested against the results of the questionnaire and new scientific research in the field of psychology. The cyber domain was found to be “fast and vast”, volatile and uncontrollable. Although governed by laws to some extent, the cyber domain is unpredictable by nature and not controllable to reasonable amount. The anonymity and lack of verification often present in the digital channels mean that anyone can have an opinion, and any message sent may change or even be counterproductive to the original purpose. The TAA method of the FM 3-05.301 is applicable in the cyber domain, although some parts of the method are outdated and thus suggested to be updated if used in that environment. The target audience categories of step two of the process were replaced by new groups that exist in the digital environment. The accessibility assessment (step eight) was also redefined, as in the digital media the mere existence of a written text is typically not enough to convey the intended message to the target audience. The scientific studies made in computer sciences and both in psychology and sociology about the behavior of people in social media (and overall in cyber domain) call for a more extensive remake of the TAA process. This falls, however, out of the scope of this work. It is thus suggested that further research should be carried out in search of computer-assisted methods and a more thorough TAA process, utilizing the latest discoveries of human behavior. ---------------------------------------------------------------------------------------------------------------------------------- Tämän opinnäytetyön tavoitteena on löytää tehokas tapa kohdeyleisöanalyysin tekemiseksi kybertoimintaympäristössä. Työssä keskitytään kahteen ilmiöön: kybertoimintaympäristön luonteeseen ja kohdeyleisöanalyysin metodiin. Kybertoimintaympäristön osalta tavoitteena on löytää sen digitaalisesta ja ajallisesta luonteesta juontuvat mahdollisuudet, rajoitteet ja sudenkuopat. Tämä on se ympäristö jossa kohdeyleisöanalyysiä tarkastellaan tässä työssä. Koska kohdeyleisöanalyysi kuuluu olennaisena osana jokaiseen psykologiseen operaatioon ja on onnistumisen kannalta kriittinen tekijä, käytettävän metodin tulee pitää sisällään kaikki oikean kohdeyleisön valinnan kannalta merkittävät osa-alueet. Tutkimuksen ensimmäisessä vaiheessa lähetettiin avoin kysely informaatiosodankäynnin ammattilaisille Suomessa ja ulkomailla. Koska kyselyn tulokset eivät olleet riittäviä johtopäätösten tekemiseksi, tutkimusta jatkettiin tarkastelemalla Yhdysvaltojen armeijan kenttäohjesäännön FM 3-05.301 soveltuvuutta kybertoimintaympäristössä käytettäväksi teorialähtöisen sisällönanalyysin avulla. FM 3-05.301 valittiin koska se sisältää kokonaisvaltaisen kohdeyleisöanalyysiprosessin. Havaintoja verrattiin kyselytutkimuksen tuloksiin ja psykologian uusiin tutkimuksiin. Kybertoimintaympäristö on tulosten perusteella nopea ja valtava, jatkuvasti muuttuva ja kontrolloimaton. Vaikkakin lait hallitsevat kybertoimintaympäristöä jossakin määrin, on se silti luonteeltaan ennakoimaton eikä sitä voida luotettavasti hallita. Digitaalisilla kanavilla usein läsnäoleva nimettömyys ja tiedon tarkastamisen mahdottomuus tarkoittavat että kenellä tahansa voi olla mielipide asioista, ja mikä tahansa viesti voi muuttua, jopa alkuperäiseen tarkoitukseen nähden vastakkaiseksi. FM 3-05.301:n metodi toimii kybertoimintaympäristössä, vaikkakin jotkin osa-alueet ovat vanhentuneita ja siksi ne esitetään päivitettäväksi mikäli metodia käytetään kyseisessä ympäristössä. Kohdan kaksi kohdeyleisökategoriat korvattiin uusilla, digitaalisessa ympäristössä esiintyvillä ryhmillä. Lähestyttävyyden arviointi (kohta 8) muotoiltiin myös uudestaan, koska digitaalisessa mediassa pelkkä tekstin läsnäolo ei sellaisenaan tyypillisesti vielä riitä halutun viestin välittämiseen kohdeyleisölle. Tietotekniikan edistyminen ja psykologian sekä sosiologian aloilla tehty tieteellinen tutkimus ihmisten käyttäytymisestä sosiaalisessa mediassa (ja yleensä kybertoimintaympäristössä) mahdollistavat koko kohdeyleisöanalyysiprosessin uudelleenrakentamisen. Tässä työssä sitä kuitenkaan ei voida tehdä. Siksi esitetäänkin että lisätutkimusta tulisi tehdä sekä tietokoneavusteisten prosessien että vielä syvällisempien kohdeyleisöanalyysien osalta, käyttäen hyväksi viimeisimpiä ihmisen käyttäytymiseen liittyviä tutkimustuloksia.

Risk factors for glucose intolerance in active acromegaly

In the present retrospective study we determined the frequency of glucose intolerance in active untreated acromegaly, and searched for risk factors possibly supporting the emergence of the diabetic condition. Among 43 patients, 8 (19%; 95% CI: 8-33%) had diabetes mellitus and 2 (5%; 1-16%) impaired glucose tolerance. No impaired fasting glycemia was demonstrable. The frequency of diabetes was on average 4.5 times higher than in the general Slovak population. Ten factors suspected to support progression to glucose intolerance were studied by comparing the frequency of glucose intolerance between patients with present and absent risk factors. A family history of diabetes and arterial hypertension proved to have a significant promoting effect (P<0.05, chi-square test). A significant association with female gender was demonstrated only after pooling our data with literature data. Concomitant prolactin hypersecretion had a nonsignificant promoting effect. In conclusion, the association of active untreated acromegaly with each of the three categories of glucose intolerance (including impaired fasting glycemia, not yet studied in this connection) was defined as a confidence interval, thus permitting a sound comparison with the findings of future studies. Besides a family history of diabetes, female gender and arterial hypertension were defined as additional, not yet described risk factors.

Food packaging indicators and sensors

Various categories of food packaging indicators namely; VTT, Ageless Eye, Mocon, Åbo Akademi and Impak were selected and incorporated into food trays manufactured at LUT packaging laboratory. Each of these food packaging indicators was used to investigate (visually and qualitatively) the transmission of oxygen through the seal, and tray material, as well as to detect microbial activity within the content of the package. Applications of different methods of gas flushing, content variation and introduction of two distinct levels of oxygen scavengers were employed as treatments to evaluate the packaging performance of the food packaging indicators. Ease of handling of each food packaging indicator was also taken into considerations. Findings showed that for packages, which contained chicken product, the amount of oxygen in the package, measured immediately after the sealing operation on the first day gradually decreased to zero percent by the third day of the storage period. The oxygen level remained at this point throughout the duration of storage for the chicken packages. Besides, level of oxygen in the packages without product continued to increase with the storage time, at moderate rate of 0.1% for 100%N2 and 0.3% for 30%CO2/70%N2 empty packages. More carbon dioxide gas was recorded for packages flushed with 30%CO2/70%N2. Results also revealed that visual analysis of one of the color indicators for example Ageless Eye, conformed to the data derived from the luminescence food-packaging indicator. This shows that packaging operation of the packaging line was considerably stable, and efficient with negligible exception. However, it was found that most of the food packaging indicators investigated in this research study exhibited considerable packaging challenges, such as, reaction with the content of the package (Impak); over sensitivity (Åbo Akademi and Impak); ease of handling problem (Åbo Akademi); and ease of activation problem (VTT indicators). In this study, the strengths and limitations of different indicators were analyzed. This study demonstrates the applicability of various indicators in MAP using chicken package application.

Hankinnan strategisen toimintamallin rakentaminen teolliseen pk-yritykseen

Hankinta on yrityksen ulkoisten resurssien hallintaa. Organisaation ulkopuolelta hankitut resurssit muodostavat tavallisesti valtaosan kokonaiskustannuksista, joten hankintojen johtamisella on suuri merkitys yrityksen kannattavuudelle. Hankintatoimella voidaan vaikuttaa kannattavuuteen, kun se toimii yrityksen strategisella tasolla. Tämän työn tavoitteena oli kehittää malli strategisen hankintatoimen rakentamiseen teolliseen pk-yritykseen. Käsiteltäviä osa-alueita olivat hankintojen kategoriointi, hankintaorganisaation rakentaminen sekä strategisten hankintaprosessien määrittäminen ja kuvaaminen. Kuhunkin osa-alueeseen kerättiin teoreettisia ratkaisumalleja, joista kostettiin sovellettava ratkaisu. Teorian pohjalta määritettyä kategorioinnin koostamismallia sekä kategoriapohjaisen hankintaorganisaation rakennustyökalua käytettiin kohdeyrityksen strategisen hankintatoimen rakentamiseen. Prosessiosuudessa määritettiin tehtävien ja vastuiden pohjalta strategiset hankintaprosessit, joista koostettiin tavoiteprosessikuvaukset. Niiden avulla kohdeyritys tai muu mallia soveltava organisaatio voi jalkauttaa toiminnan. Prosesseissa esitetään konkreettisia työkaluja tavoiteasetannan ja mittaroinnin viemiseksi yhtenäisenä strategiatasolta operatiiviseen toimintaan. Lopputuloksena syntyi yhtenäinen, kolmivaiheinen malli strategisen hankintatoimen rakentamiseen.

Creating a Branding Process Model for Living Area Brands - Developing and managing a new living area brand

The objective of this thesis is to understand how to create and develop a successful place brand and how to manage it systematically. The thesis thoroughly explains the phenomenon of place brands and place branding and presents different sub-categories of place branding. The theoretical part of the thesis provides a wide overview on the prevailing literature of place branding, place brand development and place brand management, which form the basis of the thesis’ theoretical framework. The theoretical evidence is gathered from a case living area. The living area is developed by one construction company, which has a significant role in the construction industry in Finland. The empirical evidence is gathered through semi-structured in-depth interviews by interviewing the new living area’s carefully selected stakeholder groups. Afterwards the empirical data is analyzed and reflected to the theoretical findings. After examining the case living area, the thesis will present a new living area branding process model based on prevailing theories and empirical findings.

Yksilö ja ympäristö: Maalari Frans Lindin (1903–1988) elinikäinen ympäristösuhde muistitietohaastattelujen ja maisemamaalausten valossa

Tekijänoikeudellisten syiden vuoksi teoksen kokotekstissä olevien kuvien teknistä laatua on jouduttu heikentämään. ---- Tutkin yhden työläisen, maalari Frans Lindin (1903–1988) ympäristösuhdetta lapsuudesta viimeisiin elinvuosiin asti eli kirjoitan hänen ympäristöelämäkertaansa. Tarkastelen hänen suhdettaan luontoon ja kulttuuriympäristöön hänen vapaa-aikanaan. Tutkimukseen kuuluu johdanto-osan lisäksi yksi suomenkielinen ja neljä eng¬lanninkielistä artikkelia. Tutkin erityisesti Lindin paikkoja ja ympäristökokemuksia; tarkastelen hänen kotejaan ja muita tärkeitä paikkojaan; käsittelen hänen suhdettaan veteen ja vesistöihin; selvitän hänen maalausharrastustaan ja ympäristökokemustensa ulottuvuuksia sekä osoitan muistitiedon tärkeyden kokemusten tulkinnassa. Keskeiset lähteeni ovat vuosina 1985–2004 tekemäni Lindin ja 15 muun henkilön muistitietohaastattelut sekä puolensataa Lindin maalaamaa maisemaa, jotka dokumentoivat luontoa, yksityistaloja, julkisia rakennuksia ja kaupunkinäkymiä. Lisäksi käytän asiakirjoja, sanomalehtiaineistoa ja historiateoksia sekä omia havaintojani. Lähestyn Lindin ympäristösuhdetta kulttuurihistoriallisen ympäristötutkimuksen, henkilöhistorian ja muistitietohistorian näkökulmasta. Ympäristösuhde tarkoittaa kaikkea, mitä ihminen tekee ympäristössään, ympäristölleen ja ympäristönsä vaikutuksesta tai innoittamana. Se on sosiaalinen, historiallinen ja kulttuurinen ilmiö, joka kehittyy varhaislapsuudesta lähtien kodista käsin ja muotoutuu elämän loppuun asti. Lindin ympäristösuhde kehittyi eri ihmisten vaikutuksesta, eri aikoina ja eri toiminnoissa ja konkretisoitui paikoissa, jotka olivat koettuja, muistettuja ja kerrottuja. Ne olivat myös lyhyt- tai pitkäaikaisia tai ainut-kertaisia, aktiivisia tai passiivisia, nykyisiä tai menneitä. Laatimani Lindin paikkojen luokituksen perustalta voidaan tutkia muidenkin ihmisten paikkasuhdetta. Lindin ympäristösuhteen moniulotteisuus ja rikkaus ilmeni sekä haastatteluissa että maisemamaalauksissa. Hänen ympäristökokemuksensa olivat arkisia, mutta niissä ilmenivät myös tunteiden, tiedon, nostalgian, edistyksen, omistamisen ja liikkumisen ulottuvuudet. Tutkimukseni antaa lähtökohdan kenen tahansa, varsinkin elossa olevan henkilön, ympäristösuhteen tutkimiselle.

Soursop juice stabilized with soy fractions: a rheologial approach

The potential use of soybean soluble polysaccharide (SSPS) as a stabilizer in acidic beverages was evaluated using rheological and stability studies. For this purpose, soy-based beverages were formulated with soy protein isolate (SPI) and soursop juice due to the low stability of this kind of dispersion. The influences of the concentrations of soybean soluble polysaccharide, calcium chloride, and soy protein isolate on the stability and rheology of soursop juice were evaluated using a factorial experimental design. Interactions between the concentrations of soybean soluble polysaccharide and soy protein isolate exerted a positive effect on the maximum Newtonian viscosity. The stability was positively influenced by the soybean soluble polysaccharide and soy protein isolate concentrations, but the interactions between soy protein isolate and CaCl2 also affected the sedimentation index. These results suggest that soybean soluble polysaccharide is effective in stabilizing fibers and proteins in acidic suspensions due to the increase in viscosity and steric effect caused by the formation of complexes between the soybean soluble polysaccharide and soy protein isolate.

Bank Income Diversification and its Impact on Profitability and Risk: Evidence from Nordic Markets

Financial industry has recently encountered many changes in the business environment. Increased regulation together with growing competition is forcing commercial banks to rethink their business models. In order to maintain profitability in the new environment, banks are focusing more into activities that yield noninterest income. This is a shift away from the traditional intermediation function of banks. This study aims to answer the question if the shift from traditional income yielding activities to more innovative noninterest activities is logical in terms of profitability and risk in Nordics. This study also aims to answer the question if diversification within the noninterest income categories has impact on profitability and risk and if there are certain categories of noninterest income that are better than others in terms of profitability and risk in Nordics. Results show that diversification between interest and noninterest activities and increase in the share of noninterest income have a negative impact on the risk adjusted returns and risk profile. Results also show that further diversification within the noninterest income categories has negative impact on risk adjusted profitability and risk while an increase of the share of commission and fee income category of total noninterest income has a positive impact on risk adjusted profitability and risk. Results are logical and in line with previous research (De Young & Roland, 2001; Stiroh, 2004). Results provide useful information to banks and help them better evaluate outcomes of different income diversification strategies.