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master's thesis
PERCEPCIJA VAŽNOSTI HBOR-A OD STRANE SEKTORA MALOG GOSPODARSTVA
završni rad
2020. urn:nbn:hr:124:528466
Vuco, Marijana
University of Split
Faculty of economics Split

Cite this document

Vuco, M. (2020). PERCEPCIJA VAŽNOSTI HBOR-A OD STRANE SEKTORA MALOG GOSPODARSTVA : završni rad (Master's thesis). Split: University of Split, Faculty of economics Split. Retrieved from https://urn.nsk.hr/urn:nbn:hr:124:528466

Vuco, Marijana. "PERCEPCIJA VAŽNOSTI HBOR-A OD STRANE SEKTORA MALOG GOSPODARSTVA : završni rad." Master's thesis, University of Split, Faculty of economics Split, 2020. https://urn.nsk.hr/urn:nbn:hr:124:528466

Vuco, Marijana. "PERCEPCIJA VAŽNOSTI HBOR-A OD STRANE SEKTORA MALOG GOSPODARSTVA : završni rad." Master's thesis, University of Split, Faculty of economics Split, 2020. https://urn.nsk.hr/urn:nbn:hr:124:528466

Vuco, M. (2020). 'PERCEPCIJA VAŽNOSTI HBOR-A OD STRANE SEKTORA MALOG GOSPODARSTVA : završni rad', Master's thesis, University of Split, Faculty of economics Split, accessed 17 October 2024, https://urn.nsk.hr/urn:nbn:hr:124:528466

Vuco M. PERCEPCIJA VAŽNOSTI HBOR-A OD STRANE SEKTORA MALOG GOSPODARSTVA : završni rad [Master's thesis]. Split: University of Split, Faculty of economics Split; 2020 [cited 2024 October 17] Available at: https://urn.nsk.hr/urn:nbn:hr:124:528466

M. Vuco, "PERCEPCIJA VAŽNOSTI HBOR-A OD STRANE SEKTORA MALOG GOSPODARSTVA : završni rad", Master's thesis, University of Split, Faculty of economics Split, Split, 2020. Available at: https://urn.nsk.hr/urn:nbn:hr:124:528466

Metadata
TitlePERCEPCIJA VAŽNOSTI HBOR-A OD STRANE SEKTORA MALOG GOSPODARSTVA : završni rad
AuthorMarijana Vuco
MentorAna Kundid Novokmet (mentor)
GranterUniversity of Split
Faculty of economics Split
Split
Defense date and country2020-06, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Finance
Abstract
Rad je imao za cilj analizirati važnost postojanja razvojne banke u Hrvatskoj, preciznije programa usmjerenih na sektor malog gospodarstva te utvrditi izazove, ograničenja i probleme u navedenim programima. U tu svrhu kreiran je originalni anketni upitnik pomoću kojeg je prikupljeno 52 odgovora malih i srednjih poduzeća. Zaključuje se da mali broj ispitanika dobro poznaje rad i mogućnosti koje pruža HBOR. Osim toga, veliki broj poduzetnika ne koristi mogućnosti financiranja kreditnim sredstvima HBOR-a zbog razloga kao što su zahtijevani kolateral, nepovoljni uvjeti odobravanja kredita, trajanje obrade kreditnog zahtjeva i sl. Na podnošenje zahtjeva za financijskim sredstvima HBOR-a utječe i mišljenje gotovo 60% ispitanika da na odobravanje sredstava HBOR-a utječu političke veze, a dodatan razlog je svakako i snižavanje kamatnih stopa u poslovnim bankama. Iz tog razloga je s ciljem poticanja daljnjeg razvoja djelovanja HBOR-a nužno uložiti dodatne napore u educiranje poduzetnika te svakako nastojati reducirati utjecaj razloga zbog kojih se poduzetnici rijetko odlučuju na korištenje sredstava HBOR-a.
Abstract (english)
The paper aimed to analyse the importance of the existence of a development bank in Croatia, more precisely programs aimed at the small business sector and to identify challenges, limitations and problems in these programs. For this purpose, an original survey questionnaire was created, which was used to collect 52 SME answers. It is concluded that a small number of respondents are well acquainted with the work of HBOR, and even fewer opportunities provided by the activities of HBOR. It is also evident that a large number of entrepreneurs do not use the possibilities of financing with HBOR loan funds due to numerous reasons such as required collateral, unfavourable loan approval conditions, duration of loan application processing, etc. The submission of requests for HBOR funds is also influenced by the opinion of almost 60% of respondents that the approval of HBOR funds is influenced by political connections, and an additional reason is certainly the lowering of interest rates in commercial banks. For this reason, it is necessary to make additional efforts in educating entrepreneurs and certainly try to reduce the impact of the reasons why entrepreneurs rarely decide to use HBOR funds.
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:124:528466
Study programmeTitle: GRADUATE PROFESSIONAL PROGRAMME IN MANAGEMENT; specializations in: Project management, Financial and tax management, Accounting and revision, Tax management, Accounitng
Course: Financial and tax management
Study programme type: professional
Study level: specialist graduate
Academic / professional title: stručni/a specijalist/specijalistica ekonomije (stručni/a specijalist/specijalistica ekonomije)
Type of resourceText
File originBorn digital
Access conditionsAccess restricted to students and staff of home institution
Terms of useLicence In copyright icon
Created on2020-07-17 09:08:17