Financijska pismenost i stavovi generacije Z prema mirovinskom osiguranju i štednji za starost

master's thesis

• Title (english): Financial literacy and attitude of Generation Z towards pension insurance and savings for old age
• Author: Marta Hrenar
• Mentor: Mira Krpan (mentor)
• Committee member: Maja Mihelja Žaja (član povjerenstva)
• Committee member: Dajana Barbić (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2024-09-24, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Generacija Z, koja podrazumijeva osobe rođene između 1997. i 2012. godine (tj. između 1995. i 2010. godine, ovisno o autoru) te im internet predstavlja glavni način komunikacije, polako ulazi na tržište rada pa tako raste zanimanje za istraživanjem njihovih stavova prema štednji i mirovini. Predmet ovog diplomskog rada je istražiti razinu financijske pismenosti generacije Z u Hrvatskoj i njihove stavove prema mirovinskom sustavu i mirovini općenito, uz usporedbu s odabranim zemljama. U radu se, osim Republike Hrvatske, analiziraju obrasci ponašanja pripadnika generacije Z u Sjedinjenim Američkim Državama, Indiji, Njemačkoj i Japanu. Ciljevi istraživanja su: pružiti uvid u svijest pripadnika generacije Z o važnosti mirovinskog sustava i osiguranja te njihovim razmišljanjima o vlastitoj financijskoj budućnosti i prikazati čimbenike koji utječu na njihove stavove i ponašanja. Kao temelj za primarno istraživanje koristili su se podaci iz sekundarnih izvora koji uključuju znanstvene radove, knjige te web stranice ovlaštenih institucija. Prikupljeni podatci su obrađeni metodama komparacije, sinteze i analize. Primarno istraživanje provedeno je u obliku anketnog upitnika temeljenog na sličnim istraživanja iz zemalja odabranih za usporedbu. Rezultati provedenog istraživanja pokazuju, između ostalog, da je većina pripadnika generacije Z sklona štednji i zanimaju ih financije, no velik broj njih nema financijski plan za budućnost (starost) te ne vjeruju da je hrvatski mirovinski sustav održiv.

Abstract (english)

Generation Z, which includes persons born between 1997 and 2012 (or between 1995 and 2010, depending on the author) and for whom the internet represents the main means of communication, is slowly entering the labor market, sparking interest in researching their attitudes towards saving and retirement. The subject of this thesis is to investigate the level of financial literacy of Generation Z in Croatia and their attitudes towards the pension system and retirement in general, with a comparison to selected countries. In addition to the Republic of Croatia, the paper analyzes the behavior patterns of Generation Z members in the United States, India, Germany, and Japan. The research objectives are to provide insight into Generation Z's awareness of the importance of the pension system and insurance, their thoughts on their financial future, and to highlight the factors that influence their attitudes and behaviors. The foundation for the primary research was data from secondary sources, including scientific papers, books, and websites of relevant institutions. The collected data was processed using methods of comparison, synthesis, and analysis. The primary research was conducted in the form of a survey questionnaire based on similar studies from the countries selected for comparison. The results of the research show, among other things, that most members of Generation Z are inclined to save and are interested in finances, but many of them do not have a financial plan for the future (old age) and do not believe that the Croatian pension system is sustainable.

• Keywords: generacija Z; financijska pismenost; mirovina; mirovinski sustav; štednja; anketno istraživanje
• Keywords (english): Generation Z; financial literacy; retirement; pension system; saving; survey research
• Language: croatian
• URN:NBN: urn:nbn:hr:148:736783
• Study programme: Title: Economics; Study programme type: university; Study level: integrated undergraduate and graduate; Academic / professional title: sveučilišni magistar ekonomije/sveučilišna magistra ekonomije (sveučilišni magistar ekonomije/sveučilišna magistra ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Access restricted to authenticated users
• Created on: 2024-09-26 07:45:02