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undergraduate thesis
KREDITI ZA OBRAZOVANJE U HRVATSKOJ PRAKSI
završni rad
2016. urn:nbn:hr:124:533308
Bilan, Ivana
University of Split
Faculty of economics Split

Cite this document

Bilan, I. (2016). KREDITI ZA OBRAZOVANJE U HRVATSKOJ PRAKSI : završni rad (Undergraduate thesis). Split: University of Split, Faculty of economics Split. Retrieved from https://urn.nsk.hr/urn:nbn:hr:124:533308

Bilan, Ivana. "KREDITI ZA OBRAZOVANJE U HRVATSKOJ PRAKSI : završni rad." Undergraduate thesis, University of Split, Faculty of economics Split, 2016. https://urn.nsk.hr/urn:nbn:hr:124:533308

Bilan, Ivana. "KREDITI ZA OBRAZOVANJE U HRVATSKOJ PRAKSI : završni rad." Undergraduate thesis, University of Split, Faculty of economics Split, 2016. https://urn.nsk.hr/urn:nbn:hr:124:533308

Bilan, I. (2016). 'KREDITI ZA OBRAZOVANJE U HRVATSKOJ PRAKSI : završni rad', Undergraduate thesis, University of Split, Faculty of economics Split, accessed 07 April 2025, https://urn.nsk.hr/urn:nbn:hr:124:533308

Bilan I. KREDITI ZA OBRAZOVANJE U HRVATSKOJ PRAKSI : završni rad [Undergraduate thesis]. Split: University of Split, Faculty of economics Split; 2016 [cited 2025 April 07] Available at: https://urn.nsk.hr/urn:nbn:hr:124:533308

I. Bilan, "KREDITI ZA OBRAZOVANJE U HRVATSKOJ PRAKSI : završni rad", Undergraduate thesis, University of Split, Faculty of economics Split, Split, 2016. Available at: https://urn.nsk.hr/urn:nbn:hr:124:533308

Metadata
TitleKREDITI ZA OBRAZOVANJE U HRVATSKOJ PRAKSI : završni rad
AuthorIvana Bilan
MentorBranka Marasović (mentor)
MBZ: 274372
GranterUniversity of Split
Faculty of economics Split
Split
Defense date and country2016-08, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Quantitative Economics
Abstract
Osnovni cilj ovoga rada bio je analizirati i usporediti kredite za obrazovanje koje nude banke na hrvatskom tržištu, i to: Zagrebačka banka, Privredna banka Zagreb, Erste banka, Hrvatska poštanska banka te Splitska banka. U svrhu ostvarenja tog cilja korištene su metode deskripcije, analize, komparacije, kao i matematičke metode iz područja financijske matematike, a podaci su prikazivani tablično. Utvrđeno je kako se većina uvjeta odnosno odrednica kredita, osim kamate, ne razlikuje drastično... More među promatranim bankama. Pokazalo se kako svih pet odabranih banaka nudi kredite za financiranje školarine odnosno troškova upisa uz valutnu klauzulu u eurima, dok jedino Zagrebačka banka nudi i opciju u kunama, doduše uz nešto višu kamatu. Također, kod svih banaka, osim Erste banke, kamatna se stopa sastoji od fiksnog i varijabilnog dijela, dok Erste banka nudi kamatnu stopu koja je ili u cijelosti fiksna (uz kraće rokove otplate) ili u cijelosti varijabilna. Konačno, Erste banka i Splitska banka nude povoljniju kamatu svojim klijentima odnosno klijentima kojima se primanja uplaćuju na račun u istoj banci. Najvažnije od svega, najpovoljnije kamatne stope na kredite za financiranje školarine odnosno troškova upisa nude Zagrebačka banka i Privredna banka Zagreb. Nešto višu kamatu propisuje Hrvatska poštanska banka, dok su kamate najviše u Erste banci te u Splitskoj banci. Izradom otplatnih planova i njihovom usporedbom potvrđen je zaključak kako su ovakvi krediti najpovoljniji u Zagrebačkoj banci i u Privrednoj banci Zagreb. Međutim, pri odabiru banke kod koje će se uzeti kredit potrebno je voditi računa i o specifičnostima kreditnog zahtjeva svakog pojedinca. Less
Abstract (english)
The main aim of this paper was to analyze and compare student loans offered by banks on the Croatian market, which are as follows: Zagrebačka banka, Privredna banka Zagreb, Erste banka, Hrvatska poštanska banka and Splitska banka. In order to achieve this goal, scientific methods used were description, analysis, comparison, as well as mathematical methods from the field of financial math, while the dana was displayed in tables. It has been found that most credit conditions, except interest,... More do not differ significantly between the observed banks. It has been shown that all five banks included in the research offer credits for tuition or enrollment costs, linked to euro. Only Zagrebačka banka offers credit in Croatian kunas, however with a somewhat higher interest rate. Also, interest rates offered by all the banks covered by this paper consist of a fixed and a variable component. Only Erste banka offers an interest rate that is either fully fixed (for shorter repayment periods) or fully variable. Finally, Erste banka and Splitska banka offer more favorable interest rates to their clients. Most importantly, the most favorable interest rates on student loans are offered by Zagrebačka banka and Privredna banka Zagreb. Interest rates are somewhat higher at Hrvatska poštanska banka, while they are highest at Erste banka and Splitska banka. Having drawn up repayment plans of all the loans compared, the conclusion that student loans are most advantageous at Zagrebačka banka and Privredna banka Zagreb has been confirmed. However, when deciding on which bank to take a loan at, one must take into account the specifics of his or her credit application. Less
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:124:533308
Study programmeTitle: Business Studies
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 conditionsOpen access
Terms of useLicence In copyright icon
Created on2016-10-14 08:39:58
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