Utjecaj ekonomske krize na kreiranje budžeta

undergraduate thesis

• Title (english): The effect of the economic crisis on creating a budget
• Author: Anamaria Dujmić
• Mentor: Marijana Ivanov (mentor)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2024-09-27, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Teorija financijskog upravljanja naglašava važnost budžetiranja kao ključnog alata za učinkovito upravljanje resursima. Ovaj rad istražuje utjecaj ekonomske krize na kreiranje budžeta, fokusirajući se na razlike između državnog i osobnog budžeta. Analiziraju se javni dug, financijski kapaciteti države u odnosu na pojedince te važnost proračuna u upravljanju financijama. Posebna pažnja posvećena je funkcijama budžeta, uključujući alokativnu, redistributivnu i stabilizacijsku funkciju, a također se opisuje proces kreiranja budžeta na razini države i kućanstava. Zakon o proračunu pruža pravni okvir za upravljanje javnim financijama, osiguravajući transparentnost i fiskalnu održivost. U analizi osobnih financija naglašava se važnost uspostavljanja odgovornosti, planiranja troškova i kontrole rashoda, uz primjenu načela javnog proračuna na osobne financije. U zaključku se ističu ključne lekcije iz prošlih kriza, uključujući financijsku krizu 2008. i COVID-19, naglašavajući potrebu za proaktivnim pristupom u upravljanju financijama kako bi se povećala otpornost pojedinaca i kućanstava u vremenima nesigurnosti.

Abstract (english)

The theory of financial management emphasizes the importance of budgeting as a key tool for effective resource management. This paper explores the impact of economic crises on budget creation, focusing on the differences between state and personal budgets. It analyzes public debt, the financial capacities of the state in relation to individuals, and the importance of budgeting in financial management. Particular attention is paid to the functions of the budget, including allocative, redistributive, and stabilizing functions, as well as describing the process of budget creation at both the state and household levels. The Budget Act provides a legal framework for managing public finances, ensuring transparency and fiscal sustainability. The analysis of personal finances highlights the importance of establishing accountability, planning expenses, and controlling costs, while applying the principles of public budgeting to personal finances. In conclusion, key lessons from past crises, including the 2008 financial crisis and COVID-19, are emphasized, highlighting the need for a proactive approach to financial management in order to increase the resilience of individuals and households in times of uncertainty.

• Keywords: Budžet; ekonomska kriza; fiskalna održivost; osobne financije; proračun
• Keywords (english): Budget; economic crisis; fiscal sustainability; personal finance; budgeting
• Language: croatian
• URN:NBN: urn:nbn:hr:148:561779
• Study programme: Title: Business economics; Study programme type: professional; Study level: undergraduate; Academic / professional title: prvostupnik (baccalaureus) ekonomije/prvostupnica (baccalaurea) ekonomije (prvostupnik (baccalaureus) ekonomije/prvostupnica (baccalaurea) ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Open access
• Created on: 2024-09-27 08:34:08