20.500.12556/DKUM-11169 POTROŠNIŠKO KREDITIRANJE V TURISTIČNI AGENCIJI X CONSUMER CREDIT IN THE TRAVEL AGENCY X Smo v času gospodarske krize, ko vsi ugibajo, ali je smiselno najemati kakršnikoli kredit ali je s tem pametno še počakati. V negotovih časih je namreč težko predvideti, kako se bodo razmere obrnile. Banke na trgu ponujajo le še kredite v evrih in nič več v švicarskih frankih. Poleg vsega tega je potrebno kredit zavarovati še nekoliko bolj kot nekoč. Banke kreditojemalca vzamejo še bolj pod drobnogled. Pribitki na obrestne mere so višji, ker tudi banke potrebujejo denar. Torej, četudi obrestne mere padajo, se stroški za najetje kredita dvigujejo. Prav zaradi tega je pred najetjem katerega koli kredita za kateri koli namen potrebno, da si vzamemo dovolj časa in obiščemo čim več ponudnikov ter zberemo čim več ponudb. Čeravno je kriza, si želimo privoščiti počitek nekje na lepšem. Postavi se vprašanje: kako poplačati aranžma? Ravno zaradi tega, sem se odločila, da povzamem to v moji diplomi in se osredotočim na ponudbo turistične agencije in jo primerjam s ponudbo v izbrani banki. Iz primera se izkaže, da je v dani situaciji kredit v turistični agenciji »X« ugodnejši. We are living in a time of economic crisis and many people are considering whether to take up a loan now or to wait a while longer before doing so. In these uncertain times it is difficult to predict future trends and developments. Banks are only offering loans in Euro (not in Swiss francs), loan protection insurances are becoming more expensive and the borrowers are getting inspected more thoroughly than ever. Interest rate margins are becoming higher because the banks need more money. Because of this loans are getting expensiver despite the fact that the interest rates are falling. It is therefore very important to take enough time and study as many offers as possible when considering taking up any kind of loan. Despite the glooming crisis people need to take a break from everyday life. The only dilemma is: How to pay for the holiday? This question made me think and therefore I put it in the focus of my dissertation. I compared a loan offered by a travel agency with that offered by a certain bank. The example shows that in the given situation the loan offered by the travel agency »X« is cheaper. banka kreditno tveganje potrošniški kredit turistična agencija izterjava dolgov. bank credit risk credit costumer credit travel agency recovery of debts true true false [S. Karničnik] Slovenski jezik Angleški jezik Diplomsko delo 2009-07-08 21:04:11 2010-01-12 10:58:55 2022-04-11 23:34:33 2022-04-17 03:33:46 2009 0 Dravograd 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 336.71 10016028 URN:SI:UM:DK:HJPS7VYC VS_Karnicnik_Simona_2009.pdf VS_Karnicnik_Simona_2009.pdf 1 1F96423B7F7612C12D75D6840D78C371 77c98cfa426c7fb2a1f839bcb6fe6cf78a362b2831eb2e0c89bccb3a49522cda 0a9c090b-7c03-11eb-bb7a-00155d0001ca 20.500.12556/dkum/50fe61ed-a8d6-4a2d-a25e-b214037d42db https://dk.um.si/Dokument.php?lang=slv&id=9844 Ekonomsko-poslovna fakulteta 0 0 0