ODRŽIVOST MIROVINSKOG SUSTAVA I VAŽNOST MIROVINSKE PISMENOSTI U SVRHU SPRJEČAVANJA SIROMAŠTVA STARIJIH OSOBA

master's thesis

• Title (english): SUSTAINABILITY OF THE PENSION SYSTEM AND THE IMPORTANCE OF PENSION LITERACY FOR THE PURPOSE OF PREVENTING POVERTY OF THE ELDERLY
• Author: Josip Medić
• Mentor: Šime Smolić (mentor)
• Committee member: Hrvoje Šimović (predsjednik povjerenstva)
• Committee member: Ivan Čipin (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; Zagreb
• Defense date and country: 2021-10-11, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

U suvremenim društvima, pa tako i u Hrvatskoj mirovinski sustav predstavlja važan aspekt socijalne sigurnosti. Mirovinsko osiguranje se koristi kako bi se osigurali od rizika starosti, smrti i invalidnosti. Kako starimo, sve su nam važniji odgovori na pitanja poput dostatnosti mirovina, korisnosti štednje putem trećeg mirovinskog stupa te općenito o održivosti mirovinskog sustava. Bitno je poticati svijest pojedinca o nužnosti štednje tijekom cjelokupnog radnog vijeka u svrhu ostvarenja željenog životnog standarda u trenutku umirovljenja. U svijetu postoje razne vrste mirovinskih sustava koje se razlikuju po vrsti doprinosa, financiranju, raspodjeli rizika i odgovornosti, ali je svim sustavima zajedničko odgovaranje na isto pitanje: Koliko su ekonomski aktivne osobe spremne izdvojiti za plaćanje svojih potreba i potreba drugih trenutno i u budućnosti? Na održivost mirovinskog sustava utječu brojni trendovi, jedan od najznačajnijih su demografske promjene, koje podrazumijevanju rast udjela starog stanovništva i smanjenje broja novorođenih što utječe nepovoljno na odnos osiguranika naspram umirovljenika. Također, značajan problem predstavljaju imigracije mladih u razvijenije zemlje što dodatno utječe na pitanje održivosti mirovinskog sustava. Sve navedeno upućuje na značajan rizik od siromaštva u tzv. „trećoj životnoj dobi“ koji možemo preuzeti odgovornim ponašanjem u sadašnjosti. Mirovinska pismenost predstavlja važan preduvjet prevencije siromaštva i ostvarivanja dostojanstvenog života u starosti. U ovom radu pobliže će se analizirati karakteristike, projekcije održivosti mirovinskog sustava, važnost mirovinske pismenosti te rizici od siromaštva.

Abstract (english)

In modern societies, including Croatia, the pension system is an important aspect of social security. Pension insurance is used to insure against the risks of old age, death and disability. As we age all the most important answers to questions such as the adequacy of pensions, the usefulness of savings through the third pillar of pension, and in general about the sustainability of the pension system. It is necessary to encourage the awareness of the individual about the necessity of saving during the entire working life in order to achieve the iron standard of living at the time of retirement. There are different types of pension systems in the world that differ in the type of contributions, financing, risk reduction and liability, but all systems have a common answer to the same question: how much are economically active people willing to set aside to remember their needs and the needs of others now and in the future? The sustainability of the pension system is affected by numerous trends and one of the most significant is demographic changes, which imply the growth of associations of the elderly population and a decrease in the number of newborns, which adversely affects the insurance relationship with retirees. Also a significant problem is the immigration of young people in developed countries, which further affects the issue of sustainability of the pension system. All of the above points to a significant risk of poverty in old age that we can take by responsible behavior in the present. Retirement literacy is an important prerequisite for preventing poverty and achieving a dignified life in old age. This paper will analyze in more detail the characteristics, projections of the sustainability of the pension system, the importance of pension literacy and the risks of poverty.

• Keywords: mirovinski sustav; mirovinska pismenost; siromaštvo; rad starijih osoba
• Keywords (english): pension system; pension literacy; poverty
• Language: croatian
• URN:NBN: urn:nbn:hr:148:902344
• 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 students and staff of home institution
• Created on: 2021-10-11 16:28:10