20.500.12556/DKUM-15607 PRIMERJAVA METOD ZA ODLOČANJE PO VEČ KRITERIJIH HKRATI PRI IZBIRI DOLGOROČNEGA BANČNEGA KREDITA THE COMPARISON OF MULTICRITERIA DECISION MAKING METHODS FOR SELECTING A LONG-TERM BANK CREDIT V današnjem času večina ljudi nima dovolj prihrankov, da bi se lahko podala v izgradnjo novega doma, nakup stanovanja brez dodatno pridobljenih sredstev. Po dodatna sredstva se le-ti zatekajo k bankam, katere jim ponujajo veliko različnih vrst kreditov, posamezniki pa nato na podlagi zbranih informacij izberejo sebi najustreznejšo vrsto kredita. Vendar pa je pri tem racionalno, da posamezniki pridobijo informacije o kreditih od več različnih bank, saj bodo tako lahko primerjali stroške, ugodnosti posameznega kredita pri različnih bankah, nato pa se bodo po njihovi preučitvi odločili za sebi najustreznejšega. Za naš obravnavani problem smo se postavili v vlogo povprečnega kreditojemalca, ki se odloča za najem dolgoročnega bančnega kredita (potrošniški, hipotekarni, ekološki stanovanjski in stanovanjski kredit) v višini Y EUR pri Banki X, pri kateri je tudi komitent, za izgradnjo nove stanovanjske hiše. Tako smo na podlagi zbranih podatkov o vseh štirih vrstah kreditov naredili analizo z računalniškima programoma Web-HIPRE in Expert Choice. Dobljene rezultate z obema programoma smo na koncu tudi primerjali med seboj in ugotovili, da smo z obema prišli do enake ugotovitve, da je najboljša rešitev za povprečnega kreditojemalca, ki se odloča za najem dolgoročnega bančnega kredita pri Banki X v višini Y EUR, »potrošniški kredit«. Nowadays most people do not have enough earnings for building their new house or for purchase an apartment. So they are forced to get some extra financial assets from somewhere else. Most people go to the bank where they can raise a bank credit. They choose between different types of credits and they choose the one that is the most suitable for their needs. But before raising a credit it is the most rational that people get some information about credits from different banks, so they could compare costs and benefits of each credit and after that they should choose the most appropriate one. For our chosen problem we have placed in a role of an average borrower, who is deciding for raising a long-term bank credit (consumer, mortgage, green home and housing credit) at the Bank X, where is also a principal, for building a new house. He would raise a credit in an amount of Y EUR and he is prepared to pay it off in about 15 years. On the basis of assemble information about all four types of credit we had made the analysis with computer programmes Web-HIPRE and Expert Choice. At the end we have compared received results with both programmes and found out that the best solution for average borrower, who is deciding for raising a long-term bank credit at the Bank X in amount of Y EUR with both programmes is »consumer credit«. Ključne besede: odločanje po več kriterijih hkrati metode za razvrščanje alternativ z intervalsko skalo in računalniški program Web-HIPRE metode za razvrščanje alternativ z razmerno skalo in računalniki program Expert Choice dolgoročni bančni krediti povprečni kreditojemalec. multi-criteria decision making interval scale computer programme Web-HIPRE ratio scale computer programme Expert Choice the Analytic Hierarchy Process method SMART SWING direct weighting long-term bank credit average borrower. true true false [M. Centrih] Slovenski jezik Angleški jezik Delo diplomskega seminarja/zaključno seminarsko delo/naloga 2010-09-14 13:47:36 2011-01-27 14:12:23 2022-04-13 07:26:02 2023-12-19 03:23:19 2010 0 Grobelno 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 005.3 10548252 URN:SI:UM:DK:0MMP7IFZ UNI_Centrih_Mojca_2010.pdf UNI_Centrih_Mojca_2010.pdf 1 781E3DD4075C3F4CC6ACDCA644DFA914 dcc77e48b586c2ea511d9fb6cd12473c92287108582920087b3b63d5ecc75281 70457c80-7c04-11eb-bb7a-00155d0001ca 20.500.12556/dkum/ae272db8-6f07-4ac8-b14e-ae1e6caf5ed5 https://dk.um.si/Dokument.php?lang=slv&id=17222 Ekonomsko-poslovna fakulteta 0 0 0