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Title:Analiza ponudbe dajalcev gotovinskih potrošniških kreditov, ki ne sodijo v bančni sektor : diplomsko delo visokošolskega strokovnega študijskega programa prve bolonjske stopnje Management poslovnih sistemov
Authors:ID Lekš, Maja (Author)
ID Ivanuša-Bezjak, Mirjana (Mentor) More about this mentor... New window
Files:.pdf Leks_Maja_dd_2026.pdf (1,82 MB)
MD5: F27B4C37403668B72E2809E0CEE65B2B
 
Language:Slovenian
Work type:Bachelor thesis/paper
Typology:2.11 - Undergraduate Thesis
Organization:UAMEU - Alma Mater Europaea University
Abstract:Diplomsko delo obravnava področje potrošniškega kreditiranja s poudarkom na dajalcih gotovinskih potrošniških kreditov, ki ne sodijo v bančni sektor. Namen raziskave je analizirati njihovo ponudbo, vlogo na trgu ter ključne prednosti in tveganja z vidika potrošnika. V teoretičnem delu so predstavljena osnovna izhodišča potrošniškega kreditiranja, značilnosti gotovinskih kreditov, regulativni okvir in pogoji za opravljanje dejavnosti. Posebna pozornost je namenjena tudi primerjavi med bančnimi in nebančnimi dajalci kreditov. Empirični del temelji na analizi desetih izbranih nebančnih dajalcev kreditov v Sloveniji. Analiza je izvedena na podlagi kriterijev, kot so preglednost ponudbe, dostopnost informacij, digitalizacija poslovanja in pogoji kreditiranja. Rezultati kažejo, da nebančni dajalci kreditov omogočajo hitrejši in enostavnejši dostop do finančnih sredstev, vendar so njihovi krediti pogosto povezani z višjimi stroški in večjim tveganjem za potrošnike. Ugotovitve potrjujejo, da nebančni dajalci kreditov pomembno dopolnjujejo bančni sistem, vendar njihovo delovanje zahteva ustrezno regulacijo in nadzor. Ključni izzivi so povezani predvsem s transparentnostjo, digitalizacijo in tveganjem prezadolženosti. Diplomsko delo prispeva k boljšemu razumevanju tega segmenta trga in ponuja izhodišča za nadaljnje raziskave.
Keywords:potrošniško kreditiranje, nebančni kreditodajalci, gotovinski krediti, digitalizacija, kreditno tveganje
Place of publishing:Maribor
Place of performance:Maribor
Publisher:M. Lekš
Year of publishing:2026
Year of performance:2026
Number of pages:38 str.
PID:20.500.12556/ReVIS-14163 New window
COBISS.SI-ID:283896579 New window
UDC:336.77:004:336.64(043.2)
Publication date in ReVIS:07.07.2026
Views:28
Downloads:0
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Secondary language

Language:English
Abstract:This thesis examines consumer credit with a focus on non-bank providers of cash consumer loans. The purpose of the research is to analyse their offer, market role, and key advantages and risks from the consumer’s perspective. The theoretical part presents the basic concepts of consumer lending, characteristics of cash loans, the regulatory framework, and conditions for providing credit services. Special attention is also given to the comparison between bank and non-bank credit providers. The empirical part is based on the analysis of ten selected non-bank credit providers in Slovenia. The analysis is conducted using criteria such as transparency of the offer, accessibility of information, level of digitalization, and credit conditions. The results show that non-bank lenders provide faster and more accessible financial services, but their loans are often associated with higher costs and increased risks for consumers. The findings confirm that non-bank lenders play an important complementary role in the financial system, but their operations require appropriate regulation and supervision. Key challenges are related to transparency, digitalization, and the risk of over-indebtedness. The thesis contributes to a better understanding of this market segment and provides a basis for further research.
Keywords:consumer credit, non-bank lenders, cash loans, digitalization, credit risk


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