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master's thesis
Primjena Fulmer modela u analizi rizičnosti malih i srednjih poduzeća u Hrvatskoj
Diplomski rad
2024. urn:nbn:hr:145:899249
Grgić, Matea
Josip Juraj Strossmayer University of Osijek
Faculty of Economics and Business in Osijek
Chair of Management, Organization and Entrepreneurship

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Grgić, M. (2024). Primjena Fulmer modela u analizi rizičnosti malih i srednjih poduzeća u 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:145:899249

Grgić, Matea. "Primjena Fulmer modela u analizi rizičnosti malih i srednjih poduzeća u Hrvatskoj : Diplomski rad." Master's thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, 2024. https://urn.nsk.hr/urn:nbn:hr:145:899249

Grgić, Matea. "Primjena Fulmer modela u analizi rizičnosti malih i srednjih poduzeća u Hrvatskoj : Diplomski rad." Master's thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, 2024. https://urn.nsk.hr/urn:nbn:hr:145:899249

Grgić, M. (2024). 'Primjena Fulmer modela u analizi rizičnosti malih i srednjih poduzeća u Hrvatskoj : Diplomski rad', Master's thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, accessed 15 February 2025, https://urn.nsk.hr/urn:nbn:hr:145:899249

Grgić M. Primjena Fulmer modela u analizi rizičnosti malih i srednjih poduzeća u Hrvatskoj : Diplomski rad [Master's thesis]. Osijek: Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek; 2024 [cited 2025 February 15] Available at: https://urn.nsk.hr/urn:nbn:hr:145:899249

M. Grgić, "Primjena Fulmer modela u analizi rizičnosti malih i srednjih poduzeća u Hrvatskoj : Diplomski rad", Master's thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, Osijek, 2024. Available at: https://urn.nsk.hr/urn:nbn:hr:145:899249

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TitlePrimjena Fulmer modela u analizi rizičnosti malih i srednjih poduzeća u Hrvatskoj : Diplomski rad
Title (english)Application of the Fulmer Model in the Risk Analysis of the of Small and Medium-sized Enterprises in Croatia : Graduate paper
AuthorMatea Grgić
MentorNataša Šarlija (mentor)
Committee memberSanja Pfeifer (predsjednik povjerenstva)
Committee memberNataša Šarlija (član povjerenstva)
Committee memberMarina Stanić (član povjerenstva)
GranterJosip Juraj Strossmayer University of Osijek
Faculty of Economics and Business in Osijek
(Chair of Management, Organization and Entrepreneurship)
Osijek
Defense date and country2024-09-30, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Finance
Abstract
Stečaj i predviđanje bankrota velik je problem u cijelom svijetu, kako u akademskim istraživanjima tako i u praksi s obzirom na razvoj na globalnoj razini. Stoga, tema rada je mogućnost primjene Fulmer modela u ocjeni rizičnosti malih i srednjih poduzeća u Hrvatskoj. Fulmer predstavlja model za predviđanje stečaja poduzeća, gdje se promatra ukupno devet financijskih pokazatelja pomoću kojih se izračunava vrijednost H. Na temelju tih pokazatelja može se procijeniti kakva je solventnost, likvidnost i profitabilnost poduzeća. U radu će se detaljnije opisati i analizirati Fulmer model te će se istražiti njegova primjena u drugim državama. U empirijskom dijelu rada model će se testirati na uzorku od 20 malih i srednjih poduzeća u Hrvatskoj koji se dijele na zdrava i suspektna poduzeća. Također će se raspraviti o potencijalnoj primjeni modela u ocjeni rizičnosti poduzeća u Hrvatskoj. Kada se u obzir uzmu i zdrava i suspektna poduzeća, analizom se utvrdilo kako točnost modela iznosi 60 %. Iz razloga što postotak prelazi 50 % može se reći da je hipoteza ovog rada točna te da se Fulmer model može primijeniti na mala i srednja poduzeća u Hrvatskoj. Međutim, prilikom primjene treba biti oprezan i uzeti u obzir relativno nisku točnost modela te ograničenja pri upotrebi modela.
Abstract (english)
Bankruptcy and prediction of bankruptcy is a major problem all over the world, both in academic research and in practice with regard to developments at the global level. Therefore, the topic of the paper is the possibility of applying the Fulmer model in the risk assessment of small and medium-sized enterprises in Croatia. Fulmer presents a model for predicting the bankruptcy of a company, where a total of nine financial indicators are observed by which the value of H is calculated. On the basis of these indicators, it is possible to estimate the solvency, liquidity and profitability of the company. The paper will describe and analyse the Fulmer model in more detail and explore its application in other countries. In the empirical part of the paper, the model will be tested on a sample of 20 small and medium-sized enterprises in Croatia, which are divided into healthy and suspicious companies. The potential application of the model in the risk assessment of companies in Croatia will also be discussed. When both healthy and suspicious companies are taken into account, the analysis found that the accuracy of the model is 60 %. Due to the fact that the percentage exceeds 50%, it can be said that the hypothesis of this paper is correct, and that the Fulmer model can be applied to small and medium-sized enterprises in Croatia. However, caution should be exercised when applying and take into account the relatively low accuracy of the model and the limitations in the use of the model.
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:145:899249
Study programmeTitle: Financial Management
Study programme type: university
Study level: graduate
Academic / professional title: sveučilišni magistar/magistra ekonomije (sveučilišni magistar/magistra ekonomije)
Type of resourceText
File originBorn digital
Access conditionsOpen access
Terms of useLicence In copyright icon
Created on2025-01-22 10:16:34