Priroda i uzroci prezaduženosti građana

professional thesis

• Title (english): Nature and Causes of Citizen's Over-Indebtedness
• Author: Igor Škrgatić
• Mentor: Marijana Ivanov (mentor)
• Committee member: Dajana Barbić (predsjednik povjerenstva)
• Committee member: Martina Solenički (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Organization and Management); Zagreb
• Defense date and country: 2023-11-15, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Prezaduženost građana je problem koji uzrokuje financijsku isključenost uslijed nemogućnosti redovitog podmirivanja financijskih obveza, a ona u pravilu vodi ka socijalnoj isključenosti. Pokušaji rješavanja problema blokiranih građana koji su manji dio šire skupine prezaduženih građana i kućanstava do sada su bili linearni, uz nedovoljno uvažavanje heterogenosti skupine i svijesti za potrebom individualiziranog pristupa. Podizanjem razine financijske pismenosti na problem se djeluje preventivno, a poticanjem sustavne financijske uključenosti smanjuje se financijska i socijalna isključenost građana i kućanstava koji se već nalaze u situaciji prezaduženosti. Stručni doprinos ovog rada ogleda se u prvoj cjelovitoj analizi problema iz perspektive samih prezaduženih/blokiranih građana, a primjena ciljeva rada je vrlo široka, od korekcije vladinih politika za rješenje problema prezaduženosti, do preciznijeg adresiranja programa financijske pismenosti prema ciljnim skupinama. U radu se izlažu nalazi istraživanja provedenog na uzorku građana u situaciji financijske isključenosti.

Abstract (english)

Overindebtedness of citizens is a problem that causes financial exclusion due to the inability to regularly settle financial obligations, and as a rule it leads to social exclusion. Attempts to solve the problem of blocked citizens, who are a smaller part of the wider group of over-indebted citizens and households, have so far been linear, with insufficient appreciation of the group's heterogeneity and awareness of the need for an individualized approach. By raising the level of financial literacy, the problem is acted upon preventively, and by encouraging systematic financial inclusion, the financial and social exclusion of citizens and households that are already in a situation of over-indebtedness is reduced. The professional contribution of this work is reflected in the first complete analysis of the problem from the perspective of the over-indebted citizens themselves, and the application of the objectives of the work is very broad, from the correction of government policies to solve the problem of over-indebtedness, to more precise addressing of financial literacy programs according to target groups. The paper presents the findings of research conducted on a sample of citizens in a situation of financial exclusion.

• Keywords: prezaduženost građana; financijska isključenost; socijalna isključenost
• Keywords (english): over-indebtedness of citizens; financial exclusion; social exclusion
• Language: croatian
• URN:NBN: urn:nbn:hr:148:609897
• Study programme: Title: Organization and management; Study programme type: university; Study level: postgraduate specialist; Academic / professional title: sveučilišni/a specijalist/specijalistica organizacije i menadžmenta (sveučilišni/a specijalist/specijalistica organizacije i menadžmenta)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Open access
• Created on: 2023-11-29 20:21:35