20.500.12556/DKUM-17570 UPORABA METODE ANALITIČNEGA HIERARHIČNEGA PROCESA PRI IZBIRI KREDITA THE USE OF THE ANALYTIC HIERARCY PROCESS METHOD IN THE CREDIT SELECTION Namen dela diplomskega seminarja je bil izdelati model za izbiro kredita po več kriterijih hkrati, s katerim bi prišli do najbolj ugodnega kredita za posameznika. V delu diplomskega seminarja smo pojasnili pojem kredit, poiskali in izbrali smo najboljši kredit, našteli in opisali smo vrste kreditov pri Banki Celje d.d. ter opisali metodo AHP in računalniški program Expert Choice. Beseda kredit izvira iz besede Credere, ki pomeni zaupati, verjeti. Krediti se pojavljajo tako v gospodarstvu kot pri prebivalstvu. Banke posameznikom ponujajo različne kredite in sicer hitre kredite, stanovanjske kredite, natur kredite, kredite na določeno dobo (5, 10, 20 let). Pri odobritvi kredita upoštevajo posameznikovo plačilno sposobnost. V današnjem času se veliko ljudi sooča s pomanjkanjem finančnih sredstev. Odločajo se za najeme kreditov pri bankah. V našem primeru smo se odločili za Banko Celje d.d. Banka Celje d.d. je banka z dolgoletno tradicijo, saj delujejo že 140 let. Banka posluje z več kot 900 bankami po svetu. Kredite smo primerjali z uporabo metode AHP in problem reševali s pomočjo programa Expert Choice. Izbirali smo med sedmimi alternativami. Prišli smo do ugotovitve, da se posameznik naj odloča za kredite, ki imajo daljšo plačilno dobo, v našem primeru je to 20 let. Najbolj ugodno je, če se posameznik odloči za kredit na določeno dobo (20 let). Najslabšo izbiro mu predstavljajo hitri kredit, natur kredit, stanovanjski kredit in kredit za osebno potrošnjo. The purpose of our thesis was to create a model for the selection of credit according to several criteria, which would result in the most favorable credit to an individual. In one part of the thesis we have explained the concept of credit, we have found and chosen the best loan, we have listed and described the types of loans at Banka Celje d.d., we have described the AHP method and Expert Choice software. The word credit comes from the word “Credere” which means to trust, believe. Credit appears in the economy and in the population. Banks offer different loans to individuals, for example quick loans, housing loans, “NATUR” loans, personal consumption loans and fixed-term loans (5, 10, 20 years). Loan approval depends on the individual’s paying ability. Nowadays, many people are faced with the lack of financial resources. They decide to take out a loan in a bank. In our case we decided for Banka Celje d.d., which is a bank with tradition. They have existed for 140 years. They operate with more than 900 banks around the world. Loans were compared with the use of AHP method and the problem was solved with the use Expert Choice program. There was a choice from seven alternatives. We have come to the conclusion that the individual should decide for loans with a long payment period, in our case the period is 20 years. It is the most advantageous to an individual to decide for fixed-term credit (the period of 20 years). On the other hand, the worst choice for an individual is a quick loan, a “NATUR” loan, a housing loan and a personal consumption loan. Banka kredit posameznik minimalna plača metoda AHP Expert Choice Banka Celje d.d. Bank credit individual minimum wage method AHP Expert Choice Banka Celje d.d. true true false [R. Srša] Slovenski jezik Angleški jezik Delo diplomskega seminarja/zaključno seminarsko delo/naloga 2011-02-24 13:57:51 2011-11-08 12:39:46 2022-04-13 09:37:10 2023-12-22 03:36:46 2011 0 Celje 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 004.6 10814748 URN:SI:UM:DK:FEEWB53Q VS_Srsa_Rebeka_2011.pdf VS_Srsa_Rebeka_2011.pdf 1 2364DABC96ACA1C81E81AC27245CFAF5 5a7bf0a68c9cdbd52796ca6a402a8ba14bf1c5de7df7af8bb9f8883b5fe34094 e7d86148-7c04-11eb-bb7a-00155d0001ca 20.500.12556/dkum/5c3ad314-1c44-4d59-a6c6-9e7d8bfaa139 https://dk.um.si/Dokument.php?lang=slv&id=20580 Ekonomsko-poslovna fakulteta 0 0 0