20.500.12556/DKUM-67404 Kreditna ponudba izbranih slovenskih bank za študente Student credits offered by selected slovenian banks Živimo v času, ko situacije v življenju postajajo vedno bolj nepredvidljive. Presenetijo nas različni dogodki in pojavijo se želje in potrebe za katere potrebujemo veliko finančnih sredstev. Študenti se morajo med svojim študentskim življenjem nemalokrat odpovedati svojim sanjam, saj za njih preprosto nimajo dovolj denarja. Če nam za uresničitev želja ne zadostujejo lastna finančna sredstva, se lahko kot rešitev pojavi tudi banka in njena kreditna ponudba, ki je prilagojena posameznim segmentom bančnih komitentov in torej tudi študentski populaciji. V delu diplomskega projekta smo raziskali, zakaj je študentsko populacijo potrebno obravnavati kot poseben segment. Ukvarjali smo se z osnovnim raziskovalnim vprašanjem; ali banke v slovenskem bančnem sistemu študente kot segment obravnavajo ločeno od ostalih fizičnih oseb. Za banko je izrednega pomena, da zna spoznati potrebe in želje njenih komitentov, ter, da na podlagi tega izoblikuje ustrezno prilagojeno ponudbo. Ugotovili smo, da so študenti za banke ena izmed najboljših priložnosti, namreč ko enkrat postanejo komitenti neke banke in so s ponudbo zadovoljni, ostanejo njihovi komitenti v večini primerov celo življenje. Po pregledu spletnih stranih izbranih bank smo ugotovili, da se študentska populacija obravnava kot poseben segment, saj se ponudbi namenjeni študentom in fizičnim osebam med seboj razlikujeta. Slovenske banke imajo v povprečju oblikovano posebno ponudbo študentskih kreditov. We live in a time when situations in life are becoming increasingly unpredictable. We are surprised by various events and because of them appear needs and desires for which we need a lot of financial resources. During their student life, students often have to give up their dreams because they simply don't have enough money for them. If our own funds do not suffice for the fulfillment of wishes, banks help us with the offer of credits, which is tailored to individual bank customers. Part of our degree project work was researching why the student population needs to be treated as a special segment. We have been working with a basic researc question; do banks in the Slovenian banking system treat students as a segment partially, separated from other individuals. It is crucial for the bank that it recognises its customers' needs and wishes and based on that forms its offers. We have realized that student are one of the main opportunities for banks, as in most cases they stay with the bank for the rest of their lives once they become their customers and are pleased with the bank's offer. After revising offers on bank's websites, we have realized that the student population is considered a special segment, as in most cases offers for students differ from the ones for other individuals. Slovenian banks in average have developed special offers od student loans. banka kredit bančni komitent študenti ponudba slovenskih bank bank loan bank customer students offer of Slovenian banks true true false [S. Muhič] Slovenski jezik Angleški jezik Delo diplomskega projekta/projektno delo 2017-08-16 21:33:11 2017-11-07 15:24:02 2022-08-01 13:55:58 2019-07-11 16:19:15 2017 0 Maribor 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 336.71 12863260 URN:SI:UM:DK:OSJAEKCO VS_Muhic_Simona_2017.pdf VS_Muhic_Simona_2017.pdf 1 D39796336AE812AE54BF0EE611A4C197 08ed0bc717ae98f8e9e84a7b91d747466111b31506ea876c96a0ffbca0da308b 42bc14b8-7c0f-11eb-bb7a-00155d0001ca 20.500.12556/dkum/85e8bed2-ad0d-4827-a607-d27a142b9ef5 https://dk.um.si/Dokument.php?lang=slv&id=118042 Ekonomsko-poslovna fakulteta 0 0 0