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undergraduate thesis
Analiza ponude potrošačkih kredita u Hrvatskim bankama
2018. urn:nbn:hr:145:793222
Jaružanin, Martina
Josip Juraj Strossmayer University of Osijek
Faculty of Economics and Business in Osijek
Chair of Finance and Accounting

Cite this document

Jaružanin, M. (2018). Analiza ponude potrošačkih kredita u Hrvatskim bankama (Undergraduate thesis). Osijek: Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek. Retrieved from https://urn.nsk.hr/urn:nbn:hr:145:793222

Jaružanin, Martina. "Analiza ponude potrošačkih kredita u Hrvatskim bankama." Undergraduate thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, 2018. https://urn.nsk.hr/urn:nbn:hr:145:793222

Jaružanin, Martina. "Analiza ponude potrošačkih kredita u Hrvatskim bankama." Undergraduate thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, 2018. https://urn.nsk.hr/urn:nbn:hr:145:793222

Jaružanin, M. (2018). 'Analiza ponude potrošačkih kredita u Hrvatskim bankama', Undergraduate thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, accessed 16 April 2024, https://urn.nsk.hr/urn:nbn:hr:145:793222

Jaružanin M. Analiza ponude potrošačkih kredita u Hrvatskim bankama [Undergraduate thesis]. Osijek: Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek; 2018 [cited 2024 April 16] Available at: https://urn.nsk.hr/urn:nbn:hr:145:793222

M. Jaružanin, "Analiza ponude potrošačkih kredita u Hrvatskim bankama", Undergraduate thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, Osijek, 2018. Available at: https://urn.nsk.hr/urn:nbn:hr:145:793222

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Metadata
TitleAnaliza ponude potrošačkih kredita u Hrvatskim bankama
Title (english)Business analysis of consumer credit offers in Croatian banks
AuthorMartina Jaružanin
MentorBranko Matić (mentor)
Committee memberBranko Matić (predsjednik povjerenstva)
Committee memberMarina Stanić (član povjerenstva)
Committee memberIvo Mijoč (član povjerenstva)
GranterJosip Juraj Strossmayer University of Osijek
Faculty of Economics and Business in Osijek
(Chair of Finance and Accounting)
Osijek
Defense date and country2018-09-06, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Finance
Abstract
U današnjom svijetu kojeg karakterizira brzo rastuća ekonomija i sve veći broj stanovnika, potreba za novcem kao primarnim sredstvom financiranja rastućih potreba stanovništva, dovela je do ekspanzije banaka, što je za posljedicu imalo sve veću i širu ponudi kako kredita tako i zajmova. Utjecaj ekspanzije najviše se očitovao u sve većem broju zahtjeva za kreditima, posebice onima potrošačkog karaktera. Banke u svojim ponudama potrošačkih kredita nude potrošačke kredite temeljem kartice kao i potrošačke kredite za kupnju robe široke potrošnje. S obzirom na to da banke odobravaju potrošačke kredite s točno određenom namjenom, ova vrsta kredita poznata je i pod nazivom namjenski krediti. Tako se u ponudi banke mogu pronaći potrošački krediti isključivo za kupnju motornih vozila ili financiranje zdravstvenih usluga. S obzirom na značaj koji potrošački krediti imaju u današnjem svijetu, ovaj završni rad obrađuje tematiku potrošačkih kredita u hrvatskim bankama. U radu je prikazana usporedna analiza ponude potrošačkih kredita u trima bankama: Addiko banci d.d., Splitskoj banci d.d. i Privrednoj banci Zagreb d.d. U radu je naglašen odnos promatranih banaka u odnosu na ukupnu imovinu šest najvećih banaka u Republici Hrvatskoj. Temeljne karakteristike kredita kao što su namjena, moguća visina i valutu u kojoj se kredit odobrava, kao i visina nominalne i efektivne kamatne stope i instrumenti osiguranja povrata kredita prikazani su u istraživačkom dijelu rada.
Abstract (english)
In today's world characterized by a rapidly growing economy and an increasing number of people, the need for money as the primary instrument of financing the growing needs of the population has led to the expansion of banks, resulting in ever greater and wider offer of loans. The impact of the expansion is most evident in the increasing number of loan applications, especially those of consumer character. Banks in their consumer credit offer offers consumer credit based on the card as well as consumer credits for the purchase of consumer goods. Since banks approve consumer loans with a specific purpose, this type of loan is also known as named loans. This is the reason why in banks consumer credit offer it can be found consumer loans solely for the purchase of motor vehicles or the financing of health services. Given the importance of consumer credit in today's world, this final paper deals with the offer of consumers credit through a comparative analysis of consumer credit supply in the three Croatian banks: Addiko banci d.d., Splitskoj banci d.d. and Privredna banka Zagreb d.d. The paper emphasizes the relationship between the observed banks and the total assets of the six largest banks in the Republic of Croatia. Fundamental characteristics of loans such as the purpose and the level of the loan in which the loan is granted, as well as the nominal and effective interest rate and the loan repayment instruments are shown in the research part of the paper.
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:145:793222
Study programmeTitle: 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 resourceText
File originBorn digital
Access conditionsAccess restricted to students and staff of home institution
Terms of useLicence In copyright icon
Created on2018-10-05 07:17:18