Title Analiza potrošačkih kredita u Republici Hrvatskoj
Title (english) The analysis of consumer credits in the Republic of Croatia
Author Belmin Kadrić
Mentor Manuel Benazić (mentor)
Committee member Marta Božina Beroš (predsjednik povjerenstva)
Committee member Manuel Benazić (član povjerenstva)
Committee member Daniel Tomić (član povjerenstva)
Granter University of Pula (Faculty of economics and tourism "Dr. Mijo Mirković") Pula
Defense date and country 2020-09-29, Croatia
Scientific / art field, discipline and subdiscipline SOCIAL SCIENCES Economics Finance
Abstract Potrošački krediti su zajmovi koji se koriste za kupovinu robe ili usluga, odnosno za refinanciranje dugova nastalih u takve svrhe. Upravo iz razloga što se odobravaju za točno definiranu svrhu spadaju u nenamjenske kredite. Takvu vrstu nenamjenskog kredita nude primjerice banke kako bi potrošačima omogućili kupnju robe ili otplatu troška u određenom vremenskom razdoblju sa uračunatom kamatom. Ovakva vrsta kredita ima veliko gospodarsko značenje jer daje mogućnost potrošaču da troši iznad svoje mogućnosti što u konačnici rezultira povećanju domaće potražnje. Možemo zaključiti da u situacijama kada nemamo dovoljno financijskih sredstava, možemo zatražiti kredit. Iz provedene analize potrošačkog kreditiranja u Republici Hrvatskoj vidljivo je da se ukupni krediti krediti kućanstivma smanjuju zbog globalne krize koja se prelila na hrvatsko gospodarstvo tijekom 2008. godine te kasnijeg oporavka. Najznačajnije stavke kredita su stambeni krediti koji bilježe pad sve do 2017. godine te zatim slijedi njihov rast te gotovinski nenamjenski krediti koji bilježe rast tijekom promatranog razdoblja. Udio kredita kućanstvima u ukupnim kreditima banaka rastu tijekom cijelog promatranog razdoblja. Promatrajući kamatne stope utvrdili smo da se prosječne aktivne kamatne stope smanjuju osim u 2007., 2008. i 2009. godini te da su krediti postali jeftiniji i dostupniji potrošačima.
Abstract (english) Consumer credits are credits used to purchase goods or services, or to refinance debts incurred for such purposes. Precisely because they are approved for a precisely defined purpose, they belong to non-purpose credits. This type of non-purpose credit is offered, for example, by banks in order to enable consumers to buy goods or repay the cost in a certain period of time with interest included. This type of credit has great economic significance because it gives the consumer the opportunity to spend beyond his means which ultimately results in an increase in domestic demand. We can conclude that in situations where we do not have enough financial resources, we can apply for a credit. The analysis of consumer lending in the Republic of Croatia shows thattotal credits to households are declining due to the global crisis that spilled over intothe Croatian economyin 2008 and the subsequent recovery. The most significant items of creditss are housing credits, which recorded a decline until 2017, followed by their growth, and non-purpose cash credits, which recorded growth during the observed period. The share of credits to households in total bank credits grew throughout the observed period. Looking at interest rates, we found that average lending interest rates decreased except in 2007, 2008 and 2009, and that credits became cheaper and more accessible to consumers.
Keywords
potrošački kredit
banka
kamatne stope
Hrvatska
Keywords (english)
consumer credits
bank
interest rates
Croatia
Language croatian
URN:NBN urn:nbn:hr:137:668034
Study programme Title: Business Economics; Finance, Economics, Financial Management, Management and Entrepreneurship, Marketing Management, Business Informatics, Tourism; specializations in: Finance, Accounting and Auditing, Marketing Management, Management and Entrepreneurship, Tourism, Business Informatics, Financial Management, Informatics Management Course: Financial Management Study programme type: university Study level: undergraduate Academic / professional title: sveučilišni/a prvostupnik/prvostupnica (baccalaureus/baccalaurea) ekonomije (sveučilišni/a prvostupnik/prvostupnica (baccalaureus/baccalaurea) ekonomije)
Type of resource Text
File origin Born digital
Access conditions Open access
Terms of use
Created on 2020-10-01 18:53:26