Utjecaj financijske pismenosti na potražnju za životnim osiguranjem u Republici Hrvatskoj

master's thesis

• Title (english): The influence of financial literacy on life insurance demand in the Republic of Croatia
• Author: Martina Grahovac
• Mentor: Dajana Barbić (mentor); MBZ: 315024
• Committee member: Marijana Ivanov (predsjednik povjerenstva)
• Committee member: Jakša Krišto (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2020-09-10, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

U novije vrijeme financijska tržišta sve su složenija pa potrošači mogu birati između velikog broja financijskih proizvoda i usluga čije rizike slabo poznaju. Svakodnevno prisustvo rizika je nemoguće izbjeći, a kako bi smanjili njihov utjecaj na vlastiti život ljudi traže zaštitu. Osiguranje pruža zaštitu od različitih rizika te omogućuje kvalitetnije upravljanje rizicima. Prema financijskoj poziciji i preferencijama pojedinci donose odluku o vrsti osiguranja koje žele ugovoriti. Financijski pismenije osobe bolje razumiju koristi osiguranja, svjesnije su rizika koji ih okružuju te se žele zaštititi, kako svoj vlastiti život i zdravlje tako i vlastitu imovinu. U radu će se analizirati utjecaj financijske pismenosti na potražnju za životnim osiguranjem ali i istražiti koji su to motivirajući faktori koji ljude dovode u situaciju ugovaranja polica životnog osiguranja.

Abstract (english)

In recent times financial markets are becoming more complex. Therefore, consumers have at their disposal many financial products and services but whose risks are they unaware of. The daily presence of risks is impossible to avoid. In order to reduce risks on their lives, people seek for protection. Insurance provides protection against various risks and enables better risk management. According to financial position and preferences individuals decide on the type of insurance they would like to contract. Financial literate people better understand the benefits of insurance and are more aware of the risks that surround them. For that reason, they want to protect not only themselves but also their life, health and property. The paper will not only analyse the impact of financial literacy on the demand for life insurance but also explore what are motivating factors that bring people to sign life insurance policies.

• Keywords: financijska pismenost; životno osiguranje; rizik
• Keywords (english): financial literacy; life insurance; risk
• Language: croatian
• URN:NBN: urn:nbn:hr:148:590131
• 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: Access restricted to students and staff of home institution
• Created on: 2020-09-14 16:08:40