Analiza utjecaja covid-19 krize na financijsko ponašanje građana u Republici Hrvatskoj

master's thesis

• Title (english): Analysis of impact of covid-19 crisis on the financial behaviour of citizens in Croatia
• Author: Dorotea Kramarić
• Mentor: Dajana Barbić (mentor)
• Committee member: Marijana Ivanov (predsjednik povjerenstva)
• Committee member: Davor Labaš (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Managerial Economics); Zagreb
• Defense date and country: 2021-11-30, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Economics of Entrepreneurship

Abstract

Osobna potrošnja najvažnija je sastavnica agregatne potražnje te zajedno sa štednjom
predstavlja ključnu komponentu financijskog stanja kućanstva. Financijsko ponašanje
pojedinaca određeno je razinom postignute financijske pismenosti i stečenih znanja, a ključno za postizanje uspješnog financijskog rezultata je sastavljanje financijskog plana i efikasno
upravljanje rizicima u osobnim financijama. Financijske navike promijenjene su uslijed
pojave covid-19 krize koja je ostavila značajne posljedice na svijet kakav poznajemo.
Svrha ovog diplomskog rada je utvrditi utjecaj globalne covid-19 krize na potrošnju i štednju
građana Republike Hrvatske. Relevantni zaključci o promjenama financijskog blagostanja
kućanstava, kategorija potrošnje i štednje, doneseni su na temelju provedenog empirijskog
istraživanja odnosno anketnog upitnika. Većina ispitanika istaknula je da je covid-19 kriza
utjecala na financijsko stanje njihovog kućanstva te da postoji briga oko financijske
budućnosti. Zbog poduzetih epidemioloških mjera, koje nisu stanovništvu pružile značajan
osjećaj sigurnosti, potrošnja na restorane, hotele, kulturu i rekreaciju se smanjuje. Pandemija
je usporila ekonomska kretanja domaćeg gospodarstva te je ostavila posljedice na mikro i
makro razini.

Abstract (english)

Personal consumption is the most important component of aggregate demand and together
with savings, is a key component of a household's financial situation. Financial behavior of
individuals is determined by the level of achieved financial literacy and acquired knowledge.
The key to achieving a successful financial result is the preparation of a financial plan and
effective risk management in personal finance. Financial habits of individuals have changed
due to the covid-19 crisis which has left significant consequences on the world as we know it.
The purpose of this thesis is to determine the impact of the global covid-19 crisis on the
consumption and savings of citizens of the Republic of Croatia. Relevant conclusions on
changes in the financial well-being of households, categories of consumption and savings,
were made based on empirical research. Most respondents pointed out that the covid-19 crisis
had affected the financial situation of their household and that there were concerns about the
financial future. Due to the epidemiological measures that are taken, which did not provide
the population with a significant sense of security, spending on restaurants, hotels, culture,
and recreation is declining. The pandemic slowed down economic trends in the domestic
economy and left consequences at the micro and macro levels.

• Keywords: financijsko ponašanje; financijsko planiranje; potrošnja; štednja; covid-19 kriza
• Keywords (english): financial behavior; financial planning; consumption; savings; covid-19 crisis
• Language: croatian
• URN:NBN: urn:nbn:hr:148:734976
• Study programme: Title: Business Economics; Study programme type: university; Study level: integrated undergraduate and graduate; Academic / professional title: magistar/magistra ekonomije (magistar/magistra ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Open access
• Created on: 2022-01-14 09:21:03