Repository of colleges and higher education institutions

Show document
A+ | A- | Help | SLO | ENG

Title:Varčevalne navade Slovencev
Authors:ID Mihelčič, Tjaša (Author)
ID Grivec, Malči (Mentor) More about this mentor... New window
Files:.pdf DIP_Mihelcic_Tjasa_2026.pdf (1,24 MB)
MD5: 7342B67B3455DEC42AFC36506DE2D29B
 
Language:Slovenian
Work type:Bachelor thesis/paper
Typology:2.11 - Undergraduate Thesis
Organization:UNM FEI - University of Novo mesto - Faculty of Economics and Informatics
Abstract:Učinkovito upravljanje osebnih financ je ključno za zagotavljanje naše finančne prihodnosti. Kljub temu številni posamezniki ne varčujejo redno ali pa ne vedno, katera oblika varčevanja je zanje najprimernejša. Za pravilno odločitev mora posameznik najprej analizirati svoje trenutno finančno stanje, določiti cilje ter časovni okvir njihovega doseganja. Pri tem lahko izbira med različnimi oblikami varčevanja, ki se razlikujejo glede na stopnjo tveganja, likvidnost in donosnost. Varčevanje pomeni zavestno odpoved trenutni porabi, z namenom da bi sredstva uporabili kasneje, ko bodo za nas imela večjo vrednost ali pomen. Višina privarčevanih sredstev je odvisna od finančne situacije posameznika, višine prihodkov ter njegovih dolgoročnih ciljev. Zato je pomembno, da varčujemo v skladu z osebnimi finančnimi načrti ter izberemo obliko varčevanja, ki uravnoteži varnost in donosnost. V diplomski nalogi smo preučevali varčevane navade Slovencev. V teoretičnem delu smo opredelili pojem varčevanja, njegov pomen ter najpogostejše oblike. V empiričnem delu smo z anketno raziskavo pridobili kvantitativne podatke o varčevalnih navadah, ki so nam omogočili podrobnejšo analizo. Ugotovili smo, da večina Slovencev varčuje, pri čemer je najbolj razširjeno varčevanje v bankah. Kljub temu pa obstaja prostor za izboljšave: stopnjo varčevanja bi lahko povečali z zmanjšanjem deleža nevarčevalcev, ki bi začeli z manjšimi, postopnimi prihranki v skladu s svojimi zmožnostmi, ter s krepitvijo zaupanja v različne varčevalne produkte. Poleg tega bi lahko obstoječe varčevalce spodbudili k pogostejšemu in sistematičnemu varčevanju z dodatno motivacijo in večjim poznavanjem ponudb varčevalnih produktov in institucij.
Keywords:osebne finance, varčevanje, oblike varčevanja, varčevalne navade, finančni cilji
Year of publishing:2026
PID:20.500.12556/ReVIS-13276 New window
COBISS.SI-ID:274059779 New window
Publication date in ReVIS:08.03.2026
Views:641
Downloads:14
Metadata:XML DC-XML DC-RDF
:
Copy citation
  
Share:Bookmark and Share


Hover the mouse pointer over a document title to show the abstract or click on the title to get all document metadata.

Secondary language

Language:English
Title:Saving habits of Slovenians
Abstract:Effective management of personal finances is essential for ensuring our financial future. Nevertheless, many individuals do not save regularly or are uncertain which form of saving is most suitable for them. To avoid such dilemmas, an individual must first analyze their current financial sitauation, define financial goals, and determine the time frame for achieving them. Saving can be understood as postponement of current consumption with the intention of using the funds later, when they will have greater value or importance. The amount saved depends on an individual's financial situation, income level and long-term objectives. It is therefore important to save in line with personal financial plans and to select a form of saving that balances security with return. In thesis, we will examined the saving habits of Slovenians. We defined the concept of saving, its significance and the most common forms. In the empirical part, we conducted a survey to collect quantitative data on saving habits, which enabled more detailed analysis. We found that the majority of Slovenians do save, with bank savings being the most widespread form. However, there is still room for improvement: the overall saving rate could be insreased by reducing the share of non-savers, encouraging them to start with small, gradual savings within their financial capacities, and by strengthening trust in different saving products. In addition, existing savers could be motivated to save more frequently and systematically through additional incentives and by increasing their knowledge of the saving products and services offered by financial institutions.
Keywords:personal finances, savings, forms of savings, saving habits, financial goals


Back