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master's thesis
DOBROVOLJNA MIROVINSKA ŠTEDNJA U REPUBLICI HRVATSKOJ
Diplomski rad
2023. urn:nbn:hr:145:427749
Bogojević, Georgije
Josip Juraj Strossmayer University of Osijek
Faculty of Economics and Business in Osijek
Chair of Finance and Accounting

Cite this document

Bogojević, G. (2023). DOBROVOLJNA MIROVINSKA ŠTEDNJA U REPUBLICI HRVATSKOJ : 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:145:427749

Bogojević, Georgije. "DOBROVOLJNA MIROVINSKA ŠTEDNJA U REPUBLICI HRVATSKOJ : Diplomski rad." Master's thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, 2023. https://urn.nsk.hr/urn:nbn:hr:145:427749

Bogojević, Georgije. "DOBROVOLJNA MIROVINSKA ŠTEDNJA U REPUBLICI HRVATSKOJ : Diplomski rad." Master's thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, 2023. https://urn.nsk.hr/urn:nbn:hr:145:427749

Bogojević, G. (2023). 'DOBROVOLJNA MIROVINSKA ŠTEDNJA U REPUBLICI HRVATSKOJ : Diplomski rad', Master's thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, accessed 17 March 2025, https://urn.nsk.hr/urn:nbn:hr:145:427749

Bogojević G. DOBROVOLJNA MIROVINSKA ŠTEDNJA U REPUBLICI HRVATSKOJ : Diplomski rad [Master's thesis]. Osijek: Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek; 2023 [cited 2025 March 17] Available at: https://urn.nsk.hr/urn:nbn:hr:145:427749

G. Bogojević, "DOBROVOLJNA MIROVINSKA ŠTEDNJA U REPUBLICI HRVATSKOJ : Diplomski rad", Master's thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, Osijek, 2023. Available at: https://urn.nsk.hr/urn:nbn:hr:145:427749

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Metadata
TitleDOBROVOLJNA MIROVINSKA ŠTEDNJA U REPUBLICI HRVATSKOJ : Diplomski rad
Title (english)VOLUNTARY PENSION SAVINGS IN THE REPUBLIC OF CROATIA : Graduate paper
AuthorGeorgije Bogojević
MentorDubravka Pekanov (mentor)
Committee memberIvo Mijoč (predsjednik povjerenstva)
Committee memberDubravka Pekanov (član povjerenstva)
Committee memberIvana Fosić (član povjerenstva)
GranterJosip Juraj Strossmayer University of Osijek
Faculty of Economics and Business in Osijek
(Chair of Finance and Accounting)
Osijek
Defense date and country2023-02-22, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Finance
Abstract
Sustav mirovinskog osiguranja jedan je od najznačajnijih elemenata sustava socijalnog osiguranja svake države. Na održivost mirovinskog sustava utječe nekolicina faktora poput gospodarskih kriza i demografskih promjena poput starenja stanovništva i pada nataliteta. To je jedinstven skup pravnih normi, kao i financijskih i administrativnih institucija na temelju kojih se vrši reguliranje osiguranja rizika od starosti, invalidnosti ili gubitka hranitelja. Svoju svrhu pronalazi u pružanju... More mehanizma raspodjele potrošnje pojedincima i njihovim obiteljima tijekom cjelokupnog životnog vijeka, osobito nakon zaposlenosti ili u slučaju invaliditeta. Temelji se na nekoliko podsustava definiranih po kategorijama osiguranika, potencijalnim načinima financiranja i upravljanjem mirovinskim fondovima. Mirovinski sustav u Republici Hrvatskoj sastoji se od tri stupa od kojih je posljednji dobrovoljan. Članstvo unutar dobrovoljnog mirovinskog fonda predstavlja atraktivan način ulaganja budući da se ostvaruje dodatna osobna mirovina. Mirovinski sustav na taj način predstavlja iznimnu važnost za treću životnu dob. Bitno je za naglasiti kako mirovinski fond potiče razvitak tržišta kapitala, povećanje životnog standarda, ali i gospodarski rast. Predmet rada je dobrovoljna mirovinska štednja na razini Republike Hrvatske. Temeljni cilj je prikazati mirovinski sustav kao civilizacijsko dostignuće koje ima utjecaj na ekonomsku sudbinu većine stanovništva, s fokusom na dobrovoljne mirovinske fondove, koji mogu biti otvoreni i zatvoreni. U RH je trenutno aktivno osam otvorenih dobrovoljnih mirovinskih fondova od kojih su po imovini i prepoznatosti od strane korisnika najznačajniji oni Croatia osiguranja d.d., AZ profita d.o.o. i Raiffeisen mirovinskog osiguranja. Država uplatom iz proračuna potiče mirovinsku štednju, a dobrovoljnim mirovinskim fondovima omogućava se pojedincima dirigiranje visine, trajanja i dinamike uplata. Less
Abstract (english)
The pension insurance system is one of the most important elements of the social security system of any country. The sustainability of the pension system is affected by various factors such as economic crises and demographic changes such as the aging of the population and declining birth rates. It is a unique set of legal norms and financial and administrative institutions on the basis of which the coverage of the risk of old age, disability or loss of the breadwinner is regulated.... More Its purpose is to provide a mechanism for the distribution of consumption to individuals and their families throughout the life span, especially after employment or in the event of disability. It is based on several subsystems defined by the categories of insured persons, the possible methods of financing and the management of pension funds. The pension system in the Republic of Croatia consists of three pillars, the last of which is voluntary. Membership in a voluntary pension fund is an attractive form of investment, as one receives an additional personal pension. In this way, the pension system is of great importance for the third age. It is important to emphasize that the pension fund promotes the development of the capital market, the increase of living standards and economic growth. The subject of the paper is voluntary pension saving at the level of the Republic of Croatia. The main objective is to present the pension system as a civilizational achievement that affects the economic destiny of the majority of the population, focusing on voluntary pension funds, which can be open or closed. Currently, there are eight open voluntary pension funds in the Republic of Croatia, the most significant of which in terms of assets and recognition by users are Croatia osiguranje d.d., AZ profit d.o.o. and Raiffeisen Pension Insurance. The state encourages pension savings with payments from the budget, and voluntary pension funds allow individuals to determine the amount, duration and dynamics of payments. Less
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:145:427749
Study programmeTitle: Business economy; specializations in: Trade and logistics, Management, Logistic management , Business informatics
Course: Business informatics
Study programme type: university
Study level: graduate
Academic / professional title: Magistar/magistra ekonomije (Magistar/magistra ekonomije)
Type of resourceText
File originBorn digital
Access conditionsOpen access
Terms of useLicence In copyright icon
Created on2023-07-04 16:26:36
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