Utjecaj inflacije na stavove Hrvatskih građana o štednji i ulaganju u nekretnine

undergraduate thesis

• Author: Antonio Bonić
• Mentor: Berislav Žmuk (mentor)
• Granter: University of Zagreb; Faculty of Economics and Business; Zagreb
• Defense date and country: 2022-09-28, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Macroeconomics

Abstract

Inflacija je „kotačić“ koji pokreće cjelokupnu ekonomiju i koji se danas percipira kao pozitivan element ekonomije. Kada je kontrolirana, inflacija svojim rastom povoljno utječe kako na prihode poduzeća, tako i na prihode države. Monetarna politika kontrolira stopu inflacije i pokušava ju zadržati u okvirima do 2,5% godišnje. Problem, međutim, nastaje kada godišnja stopa inflacije izađe iz kontroliranih okvira. Tako je nedavno zatvaranje svjetskog gospodarstva u periodu pandemije bolesti COVID – 19 utjecalo na stopu inflacije. U ovome radu analizira se financijska pismenost ispitanika i utjecaji inflacije na: tržište nekretnina, stavove ispitanika o štednji i njihove potrošačke navike te njihov oslonac na investiranje kao oblik očuvanja vrijednosti novca. Najvažniji rezultati provedenog istraživanja ukazuju na to kako je velika većina ispitanika financijski pismena, nadalje kako je u vremenu visoke stope inflacije najsigurniji način očuvanja vrijednosti novca ulaganje u nekretnine. Pokazalo se kako visoka stopa inflacije još uvijek nema značajan utjecaj na navike ispitanika. Istraživanje također pokazuje kako je unatoč mišljenju čak 82% ispitanika, kako su cijene stambenih nekretnina u Republici Hrvatskoj visoke, i dalje postoji velika potražnja za stambenim nekretninama među ispitanicima.

Abstract (english)

Inflation is the "wheel" that drives the entire economy and is perceived today as a positive element of the economy. When inflation is controlled, its growth has a favorable effect on both company and state revenues. Monetary policy controls the inflation rate and tries to keep it within the framework of up to 2,5% per year. The problem, however, arises when the annual inflation rate goes out of control. Thus, the recent shutdown of the world economy during the period of the COVID-19 pandemic affected the inflation rate. This paper analyzes the respondents' financial literacy and the effects of inflation on: the real estate market, the respondents' attitudes about savings and their spending habits, and their reliance on investing as a form of preserving the value of money. The most important results of the conducted research indicate that the vast majority of respondents are financially literate, and that in times of high inflation rates, investing in real estate is the safest way to preserve the value of money. It was shown that the high rate of inflation still does not have a significant impact on the habits of the respondents. The research also shows that despite the opinion of as many as 82% of the respondents, that the prices of residential real estate in the Republic of Croatia are high, there is still a great demand for residential real estate among the respondents.

• Keywords: inflacija; financijska pismenost; štednja; nekretnine; investiranje
• Keywords (english): inflation; financial literacy; saving; real estate; investment
• Language: croatian
• URN:NBN: urn:nbn:hr:148:492534
• Study programme: Title: Business Economics; specializations in: Trade Business Operations, Tourism Business Operations, Accounting and Finances, Business Secretary; Course: Accounting and Finances; Study programme type: professional; Study level: undergraduate; Academic / professional title: stručni/a pristupnik/pristupnica ekonomije (stručni/a pristupnik/pristupnica ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Open access
• Created on: 2022-09-28 14:26:29