Analiza utjecaja mirovinske pismenosti na mirovinsku štednju u Republici Hrvatskoj

master's thesis

• Title (english): Analysis of pension literacy impact on pension savings in the Republic of Croatia
• Author: Lea Gmajnić
• Mentor: Marko Primorac (mentor)
• Committee member: Hrvoje Šimović (član povjerenstva)
• Committee member: Dajana Barbić (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; Zagreb
• Defense date and country: 2023-07-07, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Hrvatski mirovinski sustav izložen je raznim izazovima zbog čega teme kao što su financijska i mirovinska pismenost te posjedovanje financijskog znanja i vještina postaju vrlo važne za život pojedinca. Veća složenost i teža održivost mirovinskog sustava dovode do nezadovoljstva pojedinaca mirovinom, velikih davanja i niskih primanja, nesigurnosti u mirovini i do mnogih problema koje osjete svi stanovnici bez obzira na životnu dob. Upravo zbog raznih izazova i ograničenja koji stoje pred mirovinskim sustavom iznimno je važna edukacija ljudi o mirovini i štednji za treću dob. Mirovinski sustav Republike Hrvatske poznat je po mnogim reformama i njegova dugoročna održivost smatra se upitnom, stoga je poticanje i razvijanje mirovinske pismenosti i mirovinske štednje jedno od mogućih rješenja kako osigurati kvalitetniji život u mirovini. Mirovinska pismenost pomaže u educiranju građana o važnosti štednje za mirovinu i samim time potiče i individualnu odgovornost za planiranje sredstava za mirovinu. Cilj ovog rada je pobliže objasniti sve pojmove vezane za mirovinsku pismenost i mirovinsku štednju i time ukazati na važnost edukacije o ulaganju i planiranju umirovljenja, te koje su posljedice nedovoljne mirovinske pismenosti koje utječu na pojedinca, ali i na sustav u cjelini.

Abstract (english)

The Croatian pension system is exposed to various challenges, which is why topics such as financial and pension literacy and the possession of financial knowledge and skills become very important for an individual's life. Greater complexity and more difficult sustainability of the pension system leads to dissatisfaction of individuals with pensions, to large contributions and low incomes, to insecurity in retirement and to many problems felt by all residents regardless of age. Precisely because of all the challenges and limitations facing the pension system, it is extremely important to educate people about pensions and savings for the retirement. The pension system of the Republic of Croatia is known for many reforms and its long-term sustainability is considered questionable, therefore encouraging and developing pension literacy and pension savings is one of the possible solutions to ensure a better quality of life in retirement. Pension literacy helps educate citizens about the importance of saving for retirement and thus encourages individual responsibility for planning retirement funds. The aim of this paper is to describe the basic concepts related to pension literacy and pension savings, and thus to point out the importance of retirement planning, and thus encouraging education about how to invest, save, and what are the consequences of insufficient pension literacy, which affect the individual, but also on the system as a whole.

• Keywords: mirovinska pismenost; štednja; obrazovanje; mirovinski sustav; Europska unija
• Keywords (english): pension literacy; savings; education; pension system; European Union
• Language: croatian
• URN:NBN: urn:nbn:hr:148:723281
• 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 authenticated users
• Created on: 2023-07-07 19:35:59