Informiranost studenata Sveučilišta u Zagrebu o životnim osiguranjima

master's thesis

• Title (english): Awareness of students of the University of Zagreb about life insurance
• Author: Mateo Kapulica
• Mentor: Mihovil Anđelinović (mentor)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2022-09-14, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Osiguranja života predstavljaju jedan od najosnovnijih oblika ulaganja za pojedinca. Slab interes životna osiguranja predstavlja jedan od glavnih problema sektora osiguranja u Hrvatskoj. Do danas nisu provedena znanstvena istraživanja koja bi identificirala čimbenike koji su uzrok slaboj zastupljenosti. Kao jedan od mogućih uzorka definitivno se mora uzeti u obzir znanje i informiranost osoba o životnim osiguranjima. Nije za očekivati će se pojedinac odlučiti za kupnju nekog financijskog proizvoda ako s njime nije adekvatno upoznat, što je dovoljan argument za provedbu empirijskog istraživanja. Ova tema je u direktnoj svezi s financijskim opismenjavanjem koje može imati krucijalnu ulogu u rješavanju ovoga. Zadatak istraživanja je provjeriti koliko znanja studenti Sveučilišta u Zagrebu o proizvodima osiguranja života. Upravo studenska populacija je najrelevantnija za istraživanje jer predstavlja potencijalne buduće osiguranika, a trenutno su sustavu formalnog obrazovanja. Rezultati provedenoga istraživanja ukazuju da anketirana populacija ima nizak interes za ugovaranjem životnog osiguranja te ne raspolažu s adekvatnim znanjima o životnim osiguranjima. Takav rezultat vrijedi za četiri od promatranih šest sastavnica sveučilišta. Općenito gledajući, ne može očekivati se značajan porast potražnje za životnim osiguranjima u budućnosti koji bi uzrokovao dostizanje nama usporedivih zemalja po zastupljenosti osiguranja života. Nadalje, otkriveno je da većina studenata nije pohađala nikakve programe financijske edukacije. Takav rezultat sugerira da je nužno preispitivanje postojeće strategije financijskog opismenjavanja studenske populacije. Donošenje kvalitetnijih i sustavnijih mjera edukacije svakako bi značajno doprinijelo u promjeni trenutnoga stanja.

Abstract (english)

Live insurance represents one of the basic types of personal investment. Poor interest in life insurance products is the main problem for the insurance industry in Croatia. Until today, there is no conducted scientific research to identify potential causes. Knowledge and information level about life insurance products could be one of the potential reasons. It is not likely to expect that person will buy a financial products if he is not fully informed, thus giving us a reasonable argument for making this empirical research. This topic is in direct relation with financial literacy, which can play a crucial role in resolving this problem. The main research goal is to verify the life insurance knowledge among students at the University of Zagreb. The student population is the most relevant group for conducting this research because they represent, potential future life insurance client and they are still evolving in the formal education process. The results of the conducted research indicate that the surveyed population has a low interest in contracting life insurance and they do not have adequate knowledge about life insurance. Such a result is valid for four of the observed six components of the university. In general, we cannot expect a significant increase in the demand for life insurance in the future, which would cause us to reach countries comparable to us in terms of the representation of life insurance. Furthermore, it was found that the majority of students did not attend any financial education programs. Such a result suggests that a review of the existing strategy of financial literacy of the student population is necessary. Adopting higher quality and more systematic education measures would certainly contribute significantly to changing the current situation.

• Keywords: osiguranje; životno osiguranje; financijska pismenost
• Keywords (english): insurance; life insurance; financial literacy
• Language: croatian
• URN:NBN: urn:nbn:hr:148:062692
• 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: Open access
• Created on: 2022-09-14 10:26:49