Utjecaj socijalnih i demografskih čimbenika na mirovinsku pismenost u Republici Hrvatskoj

master's thesis

• Title (english): Impact of social and demographic factors on pension literacy in Croatia
• Author: Petra Kolarić
• Mentor: Krešimir Ivanda (mentor)
• Committee member: Krešimir Ivanda (predsjednik povjerenstva)
• Committee member: Marin Strmota (član povjerenstva)
• Committee member: Antonija Buljan (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; Zagreb
• Defense date and country: 2025-04-16, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics

Abstract

Mirovinska pismenost skup je znanja i vještina o mirovinama i mirovinskom sustavu. Ona pojedincima omogućuju da kroz planiranje ulaganja i štednju dugoročno povećaju vlastita mirovinska primanja u starijoj životnoj dobi i osiguraju si adekvatan životni standard. Promjene u ekonomskom i demografskom okruženju negativno utječu na mirovinske sustave te stavljaju dodatan naglasak na individualnu odgovornost pojedinca za vlastitu financijsku sigurnost u trećoj životnoj dobi. Stoga, velik broj institucija iz privatnog i javnog sektora provode edukativne radionice i aktivnosti te na taj način sudjeluju u procesu mirovinskog opismenjavanja. Rad analizira mirovinsku pismenost građana Republike Hrvatske te pruža osvrt na razlike među pojedinim kategorijama ispitanika sukladno njihovim socijalnim i demografskim obilježjima. U sklopu rada provedeno je anketno istraživanje na uzorku od 201 ispitanika te rezultati pokazuju da većina ispitanika posjeduje samo najosnovnija znanja o mirovinskom sustavu, primjerice da se sastoji od tri stupa, da su prvi i drugi stup obvezni, a treći je dobrovoljan, dok im nedostaje dubljeg razumijevanja o načinu njegova funkcioniranja.

Abstract (english)

Pension literacy is a set of knowlegde and skills about pensions and pension system. They enable individuals to increase their pension income in old age and ensure an adequate standard of living through savings and investment planning. Changes in the economic and demographic environment negatively affect pension systems and place additional emphasis on the individual's personal responsibility for their own financial security later in life. Therefore, a large number of institutions from the private and public sector conduct workshops and activities and participate in the retirement financial eduaction. This paper analyses pension literacy of Croatian citizens and provides an overview of the differences between different categories according to their social and demographic characteristics. An online survey was conducted on a sample of 201 respondents in order to gather data. The results show that majority of the respondents posses basic knowledge about the pension system, for example, that it consists of three pillars, that the first and second pillars are mandatory, while the third is voluntary. Most of the respondents lack a deeper understanding of how the pension system functions.

• Keywords: financijska edukacija; financijska pismenost; mirovinska pismenost; mirovinski sustav; socijalni i demografski čimbenici
• Keywords (english): financial eduacation; financial literacy; pension literacy; social and demographic factors
• Language: croatian
• URN:NBN: urn:nbn:hr:148:645917
• Study programme: Title: /; 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 students and staff of home institution
• Created on: 2025-04-17 07:41:21