käyttökelpoisuusarvo

Käyttökelpoisuusarvo, often translated as "usability value" or "utility value," is a concept used in the context of valuing goods, services, or assets, particularly in economic and legal settings. It refers to the worth or benefit an item or asset provides to its owner or user in its intended or actual use. This value is distinct from market price or monetary worth alone, focusing instead on the practical advantages and satisfactions derived from its existence or use.

The concept is frequently encountered in insurance claims, where it determines the compensation for damaged or destroyed property. If an item is damaged but still functional, its usability value might be reduced rather than its total replacement cost. Similarly, in cases of partial loss, usability value helps assess the extent of the damage based on how it affects the item's functionality.

In economic terms, usability value relates to consumer surplus and the subjective utility individuals derive from consuming goods and services. It acknowledges that an item's worth can be greater than its price if it fulfills a significant need or desire for the user. This value is often difficult to quantify precisely as it is subjective and context-dependent. Factors influencing usability value include the item's condition, its effectiveness in performing its function, and the specific needs or preferences of the user.