Title FINANCIJSKI STRES MEĐU STUDENTIMA Title (english) FINANCIAL STRESS AMONG STUDENTS Author Franka Marijan Mentor Ana Rimac Smiljanić (mentor) Granter University of Split Defense date and country 2024-09-11, Croatia Scientific / art field, SOCIAL SCIENCES Abstract Financijski stres ima značajan utjecaj na kvalitetu života i akademski uspjeh studenata. Psihološki i
emocionalni učinci financijskog stresa mogu uzrokovati tjeskobu, zabrinutost i novčane brige, što
negativno utječe na opće zadovoljstvo životom (Kahn i Pearlin, 2006; Northern etal., 2010; Park etal.,
2017). Studenti se često suočavaju s financijskim izazovima koji mogu biti izvor stresa i anksioznosti, a
nedostatak novca može dovesti do depresije, lošeg zdravstvenog stanja i problema s
... More akademskim
postignućem (Andrews i Wilding, 2004; Hossleretal., 2009; Northern etal., 2010). Analizom hipoteza
Kruskal-Wallis testom u empirijskom dijelu diplomskog rada na uzorku od 102 ispitanika, pokazalo se
da financijski stres utječe na financijske navike i ponašanja studenata Ekonomskog fakulteta u Splitu,
dok na njihovu akademsku uspješnost i kvalitetu socijalnog života ne utječe. Među ispitanicima, od
kojih je 60 ženskog spola, a 42 muškog spola, preko 46% se financira od strane roditelja ili skrbnika.
Iako 56% ispitanika navodi nezadovoljstvo svojom trenutnom situacijom, više od polovine nema
poteškoća sa spavanjem kada je u pitanju njihovo financijsko stanje. Zbog financijske situacije i potrebe
za radom, oko 40% ispitanika smatra da im to smanjuje vrijeme za društvene aktivnosti. Većina
studenata fokusira se na trenutne financijske potrebe, zanemarujući dugoročne ciljeve i štednju. Ovaj
nedostatak dugoročnog planiranja može dovesti do financijskih poteškoća u budućnosti, posebno s
obzirom na nesigurnost tržišta rada i visoke troškove života. Studentima je važno pružiti obrazovanje
o financijskoj pismenosti, poticati podršku obitelji i pružiti pristupačne opcije za financiranje studija te
razvijati razmišljanja vezana za dugoročno financijsko planiranje kako bi se osigurala financijska
stabilnost i smanjio financijski stres nakon završetka studija. Less Abstract (english) Financial stress has a significant impact on the quality of life and academic success of students. The
psychological and emotional effects of financial stress can cause anxiety, worry, and money worries,
which negatively affect overall life satisfaction (Kahn and Pearlin, 2006; Northern et al., 2010; Park et
al., 2017). Students often face financial challenges that can be a source of stress and anxiety, and lack
of money can lead to depression, poor health, and problems with academic
... More achievement (Andrews
and Wilding, 2004; Hossler et al., 2009; Northern et al., 2010). By analyzing the hypotheses using the
Kruskal-Wallis test in the empirical part of the thesis on a sample of 102 respondents, it was shown
that financial stress affects the financial habits and behaviors of students at the Faculty of Economics
in Split, while it does not affect their academic performance and quality of social life. Among the
respondents, of whom 60 are female and 42 are male, over 46% are financed by parents or guardians.
Although 56% of respondents report dissatisfaction with their current situation, more than half have
no difficulty sleeping when it comes to their financial situation. Due to the financial situation and the
need to work, about 40% of respondents believe that this reduces their time for social activities. Most
students focus on immediate financial needs, neglecting long-term goals and saving. This lack of long
term planning can lead to financial difficulties in the future, especially given the uncertainty of the job
market and the high cost of living. It is important to provide students with financial literacy education,
encourage family support and provide affordable options for financing their studies, and develop long
term financial planning mindsets to ensure financial stability and reduce financial stress after
graduation. Less Keywords
financijski stres
stres
financijske navike i ponašanja
Keywords (english)
financial stress
stress
financial habits and behaviors
Language croatian URN:NBN urn:nbn:hr:124:908102 Study programme Title: Business Studies Type of resource Text File origin Born digital Access conditions Access restricted to students and staff of home institution Terms of use Created on 2024-09-12 17:29:20
