Attitudes and Knowledge of Young People Towards Credit

Goran Karanović – Fakultet za menadžment u turizmu i ugostiteljstvu Opatija, Katedra za financije, Sveučilište u Rijeci, Primorska 46, pp. 97., 51410 Opatija, Hrvatska

Elvis Mujačević – Fakultet za menadžment u turizmu i ugostiteljstvu Opatija, Katedra za međunarodna ekonomska ulaganja, Sveučilište u Rijeci, Primorska 46, pp. 97., 51410 Opatija, Hrvatska

Emma Superina – Studentica diplomskog studija Menadžment u turizmu, Fakultet za menadžment u turizmu i ugostiteljstvu Opatija, Sveučilište u Rijeci, Primorska 46, pp. 97., 51410 Opatija, Hrvatska

Sažetak: Istraživanje je provedeno u cilju ispitivanja znanja i stava mladih osoba prema kreditu. Ukupni uzorak ispitanih iznosi 77 mladih osoba, a is­pitivanje je provedeno uz pomoć strukturiranog online anketnog upitnika među studentskom populacijom. Rezultati ukazuju na važnost štednje, ali i nedostatak prakticiranja među ispitivanom populacijom. Postoji prostor za poboljšanje znanja vezanih uz kredite i o kreditnoj sposobnosti kao i kom­pleksnijim financijskim pojmovima. Uočen je nedostatak znanja o ulaganji­ma u vrijednosne papire i investicijske fondove. Ograničenja ovog istraži­vanja mogu se vidjeti u manjem uzorku, ali i uzorku studentske populacije. Preporuke za daljnje istraživanje su da se uzorak proširi na cjelokupnu po­pulaciju i ne samo na visoko obrazovane mlade osobe ekonomskog usmje­renja te da se koristi veći uzorak radi signifikantnije statističke potvrde.

Abstract: The research was conducted to examine the knowledge and at­titude of young people towards credit. The total sample of respondents is 77 young people, and the survey was conducted with the help of a struc­tured online questionnaire among the student population. The results indi­cate the importance of saving, but also the lack of practice among the sur­veyed population. There is room for improving knowledge related to loans and creditworthiness as well as more complex financial terms. A lack of knowledge about investments in securities and investment funds was ob­served. The limitations of this research can be seen in the smaller sample, but also the sample of the student population. Recommendations for fur­ther research are to expand the sample to the entire population and not only to highly educated young people with an economic orientation and to use a larger sample for more significant statistical confirmation.

7th International Scientific Conference – EMAN 2023 – Economics and Management: How to Cope With Disrupted Times, Ljubljana, Slovenia, March 23, 2023, CONFERENCE PROCEEDINGS, published by: Association of Economists and Managers of the Balkans, Belgrade, Serbia; ISBN 978-86-80194-69-1, ISSN 2683-4510, DOI: https://doi.org/10.31410/EMAN.2023

Creative Commons Non Commercial CC BY-NC: This article is distributed under the terms of the Creative Commons Attribution-Non-Commercial 4.0 License (https://creativecommons.org/licenses/by-nc/4.0/) which permits non-commercial use, reproduction and distribution of the work without further permission. 

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