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
Ključne riječi:
Krediti;
Mlade odrasle osobe;
Stavovi;
Anketa;
Znanje o kreditima
Keywords:
Credit;
Young adults;
Attitudes;
Survey;
Credit knowledge
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.
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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
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