prikaz prve stranice dokumenta Komparativna analiza dobrovoljne mirovinske štednje na primjerima AZ Profit, Reiffeisen i Croatia osiguranja
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master's thesis
Komparativna analiza dobrovoljne mirovinske štednje na primjerima AZ Profit, Reiffeisen i Croatia osiguranja
Diplomski rad
2020. urn:nbn:hr:145:653504
Šalek, Ivan
Josip Juraj Strossmayer University of Osijek
Faculty of Economics and Business in Osijek

Cite this document

Šalek, I. (2020). Komparativna analiza dobrovoljne mirovinske štednje na primjerima AZ Profit, Reiffeisen i Croatia osiguranja : Diplomski rad (Master's thesis). Osijek: Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek. Retrieved from https://urn.nsk.hr/urn:nbn:hr:145:653504

Šalek, Ivan. "Komparativna analiza dobrovoljne mirovinske štednje na primjerima AZ Profit, Reiffeisen i Croatia osiguranja : Diplomski rad." Master's thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, 2020. https://urn.nsk.hr/urn:nbn:hr:145:653504

Šalek, Ivan. "Komparativna analiza dobrovoljne mirovinske štednje na primjerima AZ Profit, Reiffeisen i Croatia osiguranja : Diplomski rad." Master's thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, 2020. https://urn.nsk.hr/urn:nbn:hr:145:653504

Šalek, I. (2020). 'Komparativna analiza dobrovoljne mirovinske štednje na primjerima AZ Profit, Reiffeisen i Croatia osiguranja : Diplomski rad', Master's thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, accessed 19 April 2024, https://urn.nsk.hr/urn:nbn:hr:145:653504

Šalek I. Komparativna analiza dobrovoljne mirovinske štednje na primjerima AZ Profit, Reiffeisen i Croatia osiguranja : Diplomski rad [Master's thesis]. Osijek: Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek; 2020 [cited 2024 April 19] Available at: https://urn.nsk.hr/urn:nbn:hr:145:653504

I. Šalek, "Komparativna analiza dobrovoljne mirovinske štednje na primjerima AZ Profit, Reiffeisen i Croatia osiguranja : Diplomski rad", Master's thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, Osijek, 2020. Available at: https://urn.nsk.hr/urn:nbn:hr:145:653504

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Metadata
TitleKomparativna analiza dobrovoljne mirovinske štednje na primjerima AZ Profit, Reiffeisen i Croatia osiguranja : Diplomski rad
Title (english)Comparative analysis of voluntary retirement savings on the examples of AZ Profit, Raiffeisen and Croatia Insurance : Graduate paper
AuthorIvan Šalek
MentorBranko Matić (mentor)
Committee memberBranimir Marković (predsjednik povjerenstva)
Committee memberBranko Matić (član povjerenstva)
Committee memberDomagoj Karačić (član povjerenstva)
GranterJosip Juraj Strossmayer University of Osijek
Faculty of Economics and Business in Osijek
Osijek
Defense date and country2020-09-17, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Finance
Abstract
Ovaj rad obrađuje poslovanje tri mirovinska fonda AZ Profit, Raiffeisen, Croatia osiguranje u razdoblju od 2015. - 2018. godine analizirajući dostupne podatke. Na temelju dobivenih podataka utvrditi će se da li postoje razlike u učinkovitosti njihova poslovanja. Samoj analizi podataka prethodi prikaz mirovinskog sustava Republike Hrvatske i detaljan opis dobrovoljne mirovinske štednje. Komparativnom analizom dobrovoljne mirovinske štednje na primjerima poslovanja tri odabrana mirovinska fonda, AZ Profita, Raiffeisen i Croatia osiguranja utvrđeno je da nema značajnijih razlika u njihovoj učinkovitosti poslovanja. Odabrani dobrovoljni mirovinski fondovi trenutno se pokazuju negativan trend smanjenja prinosa, s tim da Raiffeisen jedini ostvaruje prinose svojim članovima, za razliku od AZ profita i Croatia osiguranja koji bilježe negativne stope prinosa, odnosno gubitak za svoje članove. Struktura ulaganja svih dobrovoljnih mirovinskih fondova zakonski je određena, tako da se većina ulaganja odnosi na ulaganje u državne obveznice, dionice i inozemnu imovinu.
Abstract (english)
This work deals with the operations of three pension funds AZ Profit, Raiffeisen, Croatia insurance in the period from 2015 to 2018, analyzing the available data. Based on the obtained data, it will be determined whether there are differences in the efficiency of their business. The analysis of the data is preceded by an overview of the pension system of the Republic of Croatia and a detailed description of voluntary pension savings. A comparative analysis of voluntary pension savings on the examples of operations of three selected pension funds, AZ Profit, Raiffeisen and Croatia insurance, found that there are no significant differences in their business efficiency. Selected voluntary pension funds are currently showing a negative trend of declining returns, with Raiffeisen being the only one to make returns to its members, unlike AZ profit and Croatia insurance, which record negative rates of return or loss for its members. The investment structure of all voluntary pension funds is legally determined, so that most investments relate to investments in government bonds, shares and foreign assets.
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:145:653504
Study programmeTitle: Financial Management
Study programme type: university
Study level: graduate
Academic / professional title: magistar/magistra ekonomije (magistar/magistra ekonomije)
Type of resourceText
File originBorn digital
Access conditionsAccess restricted to students and staff of home institution
Terms of useLicence In copyright icon
Created on2021-01-22 07:21:38