Perspektive razvoja uzajamnih financijskih institucija u Požeškoj - slavonskoj županiji

master's thesis

• Title (english): Development perspectivies of mutal financial institutions in Pozega - slavonija country
• Author: Evica Fićković
• Mentor: Jakša Krišto (mentor)
• Committee member: Alen Stojanović (predsjednik povjerenstva)
• Committee member: Ana Ivanišević Hernaus (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; Zagreb
• Defense date and country: 2015-09-21, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics

Abstract

Gospodarstvo je jedan od najznačajnijih aspekata svake zemlje. Kako bi ono moglo biti što učinkovitije, potrebno je novčana sredstva usmjeriti od novčano suficitnih sektora do onih koji su novčano deficitni. Kroz povijest, dugo su banke bile glavni posrednici kapitala. Razvoj tehnologije i Interneta doveo je do razvoja novih financijskih proizvoda i potrebe za osnivanjem novih financijskih institucija. Problem suvremenog bankarstva veže se uz pojam financijske isključenosti. Financijski isključene su uglavnom socijalno ugrožene osobe. Kako bi se riješio problem financijske isključenosti i pomoglo ljudima da dođu do potrebnih financijskih sredstava, počele su se osnivati neprofitne financijske institucije. Njihov cilj bio je zadovoljavanje želja i potreba svojih članova, a ne ostvarivanje profita. Neprofitne financijske institucije u Republici Hrvatskoj djeluju kao kreditne unije. One posluju na načelu uzajamnosti. Osnivaju ih osobe koje su međusobno povezane bilo zaposlenjem kod istog poslodavca, strukom, profesijom ili područjem na kojemu žive i rade. Članovi kreditne unije su ujedno i njezini vlasnici. U radu je posebna pažnja obraćena na Požeško-slavonsku županiju koja nema niti jednu kreditnu uniju. Rad donosi rezultate statističkog istraživanja kroz sekundarne podatke prikupljene na stranicama Državnog zavoda za statistiku. Istraživanje je provedeno i kroz anketni upitnik. Upitnik su popunjavale osobe vojne profesije s ciljem upoznavanja njihovih preferencija prilikom potencijalnog osnivanja kreditne unije na području Požeško-slavonske županije.

Abstract (english)

Economy is one of the most important aspects of every country. In order to make the economy more efficient, financial assets should be directed from sectors with financial suffice to sectors with financial deficit. For a long time in history, banks were the main intermediaries of capital. The development of technology and the Internet has lead to the development of new financial products and a need for the establishment of new financial institutions. The problem of contemporary banking is closely connected with the term of financial exclusion. Socially vulnerable persons are mainly also financial excluded. Some non-profit financial institutions were formed to solve the problem of financial exclusion and to help people maintain financial assets. Their goal is not profit-oriented but rather the satisfaction of the needs and wishes of their members. In the Republic of Croatia, non-profit financial institutions operate as credit unions. They work on the principle of reciprocity. Credit unions are formed by people who either work in the same company, have the same occupation or vocation, or live in the same area. The members of the credit union are also its owners. The thesis pays special attention to Požega-Slavonia County which does not have a credit union. It also gives secondary information about the results of the statistical research, taken from the web pages of the State Agency for Statistics. Another form of research was a survey completed by people who work in the military. The survey was directed at their preferences regarding the forming of a potential credit union in the Požega-Slavonia county.

• Keywords: gospodarstvo; banke; neprofitne financijske institucije; kreditne unije; Požeško-slavonska županija
• Keywords (english): economy; banks; non-profit financial institutions; credit unions; Požega-Slavonia County
• Language: croatian
• URN:NBN: urn:nbn:hr:148:182009
• Study programme: Title: Business Economics; Study programme type: university; Study level: 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: 2016-09-27 15:41:43