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master's thesis
Mogućnosti financiranja novog poslovnog pothvata u Republici Hrvatskoj
Diplomski rad
2024. urn:nbn:hr:145:022218
Hiller Grmuša, Brigita
Josip Juraj Strossmayer University of Osijek
Faculty of Economics and Business in Osijek

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Hiller Grmuša, B. (2024). Mogućnosti financiranja novog poslovnog pothvata 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:145:022218

Hiller Grmuša, Brigita. "Mogućnosti financiranja novog poslovnog pothvata u Republici 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:145:022218

Hiller Grmuša, Brigita. "Mogućnosti financiranja novog poslovnog pothvata u Republici 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:145:022218

Hiller Grmuša, B. (2024). 'Mogućnosti financiranja novog poslovnog pothvata u Republici Hrvatskoj : Diplomski rad', Master's thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, accessed 19 March 2025, https://urn.nsk.hr/urn:nbn:hr:145:022218

Hiller Grmuša B. Mogućnosti financiranja novog poslovnog pothvata u Republici Hrvatskoj : Diplomski rad [Master's thesis]. Osijek: Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek; 2024 [cited 2025 March 19] Available at: https://urn.nsk.hr/urn:nbn:hr:145:022218

B. Hiller Grmuša, "Mogućnosti financiranja novog poslovnog pothvata u Republici 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:145:022218

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Metadata
TitleMogućnosti financiranja novog poslovnog pothvata u Republici Hrvatskoj : Diplomski rad
Title (english)Possibilities of Financing a New Business Venture in the Republic of Croatia : Final paper
AuthorBrigita Hiller Grmuša
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
Osijek
Defense date and country2024-09-23, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Finance
Abstract
Fokus rada je na mogućnostima pribavljanja financijskih sredstava za razvoj poduzetničkih ideja, s naglaskom na korištenje kredita kao izvora financiranja. Radom je istražena uloga banaka u kreditiranju novih poslovnih pothvata u Republici Hrvatskoj. Analizirani su ponuda i mogućnosti kreditiranja, uspoređivani s drugim metodama financiranja te je pružen uvid u trenutačne uvjete kreditiranja odabranih bankarskih institucija. Istraživanje je pokazalo kako se ponuda kreditnih proizvoda za... More nove poslovne pothvate, u smislu pokretanja novog poduzeća ili pothvata poduzetnika početnika, može svesti na dva elementa: program Hrvatske banke za obnovu i razvitak „Poduzetništvo mladih, žena i početnika“ te program Erste banke „Poduzetnički starter“. Programi se razlikuju prema određenim važnim uvjetima kao što su rok otplate kredita, maksimalna duljina poslovanja kako bi se mogao dobit kredit, način otplate kredita, itd. Sve, izuzev dvije, banke u Hrvatskoj uključene su u program Hrvatske banke za obnovu i razvitak. Osim u suradnji s partnerima, Hrvatska banka za obnovu i razvitak kreditiranje može provoditi i samostalno, a model kreditiranja ovisan je o tome koliki iznos će se odobriti, uz koje uvjete osiguranja i slično. Program Hrvatske banke za obnovu i razvitak počeo se provodi u 2024. godini, čime je ponuda kreditnih proizvoda za nove poslovne pothvate značajno unaprjeđena. U pandemiji, pristup kreditiranju novih poslovnih pothvata bio je otežan, a banke su postrožile uvjete za odobravanje kredita. Međutim, gospodarski oporavak i poboljšanje stanja u bankarskom sektoru bankama je omogućilo plasiranje novih kreditnih proizvoda, kao što je i spomenuti program. Less
Abstract (english)
The focus of this paper is on the possibilities of obtaining financial resources for the development of entrepreneurial ideas, with an emphasis on the use of credit as a source of finance. The paper examines the role of banks in financing business start-ups in the Republic of Croatia. The offer and lending options are analyzed, compared with other financing methods and an insight is given into the current lending conditions of selected banking institutions. The research has shown that... More the range of credit products for new businesses can be reduced to two elements with regard to the establishment of a new business or the plans of a young entrepreneur. These are the program of the Croatian Bank for Reconstruction and Development „Entrepreneurship of youth, women and beginners“ and the program of Erste Bank „Entrepreneurial starter“. The programs differ in some important points, such as the repayment period of the loan, the maximum duration of business activity to receive a loan, the type of loan repayment, etc. All but two banks in Croatia are included in the program of the Croatian Bank for Reconstruction and Development. Development can also grant loans independently, and the loan model depends on the amount to be granted, security conditions and similar factors. The Croatian Bank for Reconstruction and Development's program started in 2024 and has significantly improved the range of loan products for new ventures. During the pandemic, access to credit for new businesses was difficult and banks tightened credit conditions. However, the economic recovery and the improvement of the situation in the banking sector allowed banks to market new credit products such as the above-mentioned program. Less
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:145:022218
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 12:18:19
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