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undergraduate thesis
KOMPARATIVNA ANALIZA GOTOVINSKIH NENAMJENSKIH KREDITA U ODABRANIM BANKAMA
Završni rad
2020. urn:nbn:hr:124:660255
Matešić, Lucija
University of Split
Faculty of economics Split

Cite this document

Matešić, L. (2020). KOMPARATIVNA ANALIZA GOTOVINSKIH NENAMJENSKIH KREDITA U ODABRANIM BANKAMA : Završni rad (Undergraduate thesis). Split: University of Split, Faculty of economics Split. Retrieved from https://urn.nsk.hr/urn:nbn:hr:124:660255

Matešić, Lucija. "KOMPARATIVNA ANALIZA GOTOVINSKIH NENAMJENSKIH KREDITA U ODABRANIM BANKAMA : Završni rad." Undergraduate thesis, University of Split, Faculty of economics Split, 2020. https://urn.nsk.hr/urn:nbn:hr:124:660255

Matešić, Lucija. "KOMPARATIVNA ANALIZA GOTOVINSKIH NENAMJENSKIH KREDITA U ODABRANIM BANKAMA : Završni rad." Undergraduate thesis, University of Split, Faculty of economics Split, 2020. https://urn.nsk.hr/urn:nbn:hr:124:660255

Matešić, L. (2020). 'KOMPARATIVNA ANALIZA GOTOVINSKIH NENAMJENSKIH KREDITA U ODABRANIM BANKAMA : Završni rad', Undergraduate thesis, University of Split, Faculty of economics Split, accessed 10 November 2024, https://urn.nsk.hr/urn:nbn:hr:124:660255

Matešić L. KOMPARATIVNA ANALIZA GOTOVINSKIH NENAMJENSKIH KREDITA U ODABRANIM BANKAMA : Završni rad [Undergraduate thesis]. Split: University of Split, Faculty of economics Split; 2020 [cited 2024 November 10] Available at: https://urn.nsk.hr/urn:nbn:hr:124:660255

L. Matešić, "KOMPARATIVNA ANALIZA GOTOVINSKIH NENAMJENSKIH KREDITA U ODABRANIM BANKAMA : Završni rad", Undergraduate thesis, University of Split, Faculty of economics Split, Split, 2020. Available at: https://urn.nsk.hr/urn:nbn:hr:124:660255

Metadata
TitleKOMPARATIVNA ANALIZA GOTOVINSKIH NENAMJENSKIH KREDITA U ODABRANIM BANKAMA : Završni rad
AuthorLucija Matešić
MentorMarijana Ćurak (mentor)
MBZ: 214755
GranterUniversity of Split
Faculty of economics Split
Split
Defense date and country2020-09, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Finance
Abstract
Predmet ovog rada su gotovinski nenamjenski krediti koji bilježe porast u zadnjih pet godina u Republici Hrvatskoj. Do kraja 2019. godine ukupno je odobreno 52,9 milijardi kuna gotovinskih nenamjenskih kredita građanima. Cilj rada bio je analizirati karakteristike gotovinskih nenamjenskih kredita: kamatne stope, iznos kredita, rokove otplate te instrumente osiguranja. Također, ciljevi su bili i istražiti tržište nenamjenskih kredita u Republici Hrvatskoj te provesti komparativnu analizu ponuda gotovinskih nenamjenskih kredita u Privrednoj banci Zagreb d.d. i Hrvatskoj poštanskoj banci d.d. Na temelju provedene analize utvrđeno je da Privredna banka Zagreb d.d. ima povoljnije uvjete nenamjenskih kredita u odnosu na Hrvatsku poštansku banku d.d. Samo neke od prednosti gotovinskih nenamjenskih kredita Privredne banke Zagreb d.d. u odnosu na kredite Hrvatske poštanske banke d.d. su mogućnost otplate kredita u mjesečnim ratama, nenamjenski krediti s isključivo fiksnom kamatnom stopom kojom se izbjegava rizik promjene kamatne stope, manje promjenjive kamatne stope, primjena konformne kamatne stope kod lombardnog kredita te kunski hipotekarni krediti koji nisu podložni tečajnom riziku.
Abstract (english)
The subject of this paper is non-purpose cash loans which have increased in the last five years in the Republic of Croatia. By the end of 2019, there were 52.9 billion kuna in non-purpose cash loans. The aim of this paper was to analyze the characteristics of non-purpose cash loans: interest rates, loan amounts, repayment terms and collateral. Also, the aims of this paper are to study the market of non-purpose loans in the Republic of Croatia and to conduct a comparative analysis of offers of non-purpose cash loans in Privredna banka Zagreb P.L.C. and Hrvatska poštanska banka P.L.C. Based on the conducted analysis, it was shown that Privredna banka Zagreb P.L.C. has more favourable lending conditions for non-purpose loans compared in comparison to Hrvatska poštanska banka P.L.C. Some of the advantages of nonpurpose cash loans of Privredna banka Zagreb P.L.C. in comparison to loans of Hrvatska poštanska banka P.L.C. are the possibility of loan repayment in monthly installments, nonpurpose loans with fixed interest rate which avoids interest rate risk, less variable interest rate, application of conformal interest rate at lombard loans and mortgage loans in local currency that are not subject to exchange rate risk.
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:124:660255
Study programmeTitle: Small Enterprise Management
Study programme type: professional
Study level: undergraduate
Academic / professional title: stručni/a prvostupnik/prvostupnica (baccalaureus/baccalaurea) ekonomije (stručni/a prvostupnik/prvostupnica (baccalaureus/baccalaurea) ekonomije)
Type of resourceText
File originBorn digital
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Created on2020-09-22 09:28:40