Trendovi u mikrokreditiranju u Republici Hrvatskoj

master's thesis

• Title (english): Trends in microcrediting in Republic of Croatia
• Author: Ana Grgić
• Mentor: Branka Tuškan (mentor)
• Committee member: Anita Pavković (predsjednik povjerenstva)
• Committee member: Jakša Krišto (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; Zagreb
• Defense date and country: 2015-09-28, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Rad „Trendovi u mikrokreditiranju u Republici Hrvatskoj“ istražuje koncept mikrokreditiranja u Hrvatskoj i njegove smjernice razvoja. Ciljevi rada su bili odrediti temeljne karakteristike mikrokredita, navesti pružatelje mikrokredita u Hrvatskoj i uvjete po kojima ih odobravaju, definirati regulatorni okvir i smjernice razvoja sektora mikrokreditiranja te uputiti na nove izvore iz sredstava strukturnih i investicijskih fondova Europske unije. Također, rad sadrži analizu usporedbe poslovanja hrvatskih kreditnih unija sa kredinim unijama iz Velike Britanije, Irske, Poljske i Litve. Uspoređeni su zakonska regulativa po ključnim pitanjima, značaj na tržištu i niše koje pokrivaju kreditne unije. U Republici Hrvatskoj je povijest mikrokreditiranja skromna. Koncept mikrokreditiranja je prihvaćen 1995. godine, kada su mikrokreditne organizacije poslovale kao štedno-kreditne zadruge. Donošenjem Zakona o kreditnim unijama 2006. godine propisano je njihovo nužno preoblikovanje u štedne banke ili kreditne unije. Danas se aktivnosti mikrokreditiranja u Hrvatskoj pored štednih banaka i kreditnih unija odvijaju i preko banaka direktno ili specijalnih vladinih programa u suradnji sa bankama.

Abstract (english)

The paper "Trends in microcrediting in the Republic of Croatia" explores the concept of microcrediting in Croatia and its development guidelines. The main goals of this paper were to define basic characteristics of microcredits, indicate microcredit providers in Croatia and the terms they approve them by, to define the regulatory border and the development guidelines of the microcrediting sector, direct them to new resources from the Structural and Investment Funds of the European Union. The paper also contains the analysis of the comparison between the croatian managment of the credit unions and those from the Great Britain, Ireland, Poland and Lithuania. They have compared their laws minding the key issues, importance on the market and the niches covered by the credit union. In the Republic of Croatia, the history of microcrediting is very modest. The concept of microcrediting was accepted in 1995 when the microcrediting organizations operated as savings-and-loan associations. By enacting the Law on Credit Unions in 2006, their remaking into savings banks or credit unions has been provided. Today, the activities of microcrediting in Croatia, along with savings banks and credit unions, also take place through banks directly or through special government programs in cooperation with the banks.

• Keywords: mikrokredit; mikrokreditiranje; mikropoduzeće; strukturni i investicijski fondovi; kreditna unija
• Keywords (english): microcredit; microcrediting; micro enterprise; The Structural and Investment Funds; credit union
• Language: croatian
• URN:NBN: urn:nbn:hr:148:698441
• 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: 2016-10-24 12:31:39