20.500.12556/DKUM-99490 Investicijsko in varčevalno vedenje študentov v Sloveniji Investment and savings behavior of students in Slovenia Diplomsko delo obravnava investicijsko in varčevalno vedenje študentov v Sloveniji. Namen diplomskega dela je ugotoviti, v kolikšni meri in kateri dejavniki so povezani z investicijsko naravnanostjo študentov. V teoretičnem delu smo na podlagi pregleda domače in tuje literature predstavili investicijsko in varčevalno vedenje in dejavnike, ki vplivajo na finančne odločitve mladih, med katerimi izstopajo finančna pismenost, odnos do tveganja, finančna samokontrola, osebni dohodek in spol. V empiričnem delu smo izvedli kvantitativno raziskavo z anketnim vprašalnikom, v katero je bilo vključenih 75 študentov. Podatke smo obdelali s programom IBM SPSS Statistics, in sicer z deskriptivno statistiko, Pearsonovim koeficientom korelacije in t-testom za neodvisna vzorca. Rezultati so pokazali, da so študenti izrazito naklonjeni varčevanju, do investiranja pa so zadržani, saj je investicijska naravnanost dosegla najnižjo povprečno vrednost med vsemi konstrukti. Potrdili smo, da je investicijska naravnanost pozitivno povezana z zaznano finančno pismenostjo, negativno z nenaklonjenostjo tveganju, in da se razlikuje glede na spol. Povezanosti z osebnim dohodkom, finančno samokontrolo in varčevalnim vedenjem nismo mogli potrditi. Na podlagi ugotovitev smo oblikovali priporočila za oblikovalce politike, katerih skupni cilj je mladim olajšati prehod od varčevanja k dolgoročnemu investiranju. This thesis examines the investment and savings behavior of students in Slovenia. The purpose of this thesis is to determine the extent to which, and which factors are associated with, students’ investment orientation. In the theoretical section, based on a review of domestic and foreign literature, we presented investment and savings behavior and the factors that influence young people’s financial decisions, among which financial literacy, risk attitude, financial self-control, personal income, and gender stand out. In the empirical part, we conducted a quantitative study using a survey questionnaire, in which 75 students participated. We analyzed the data using IBM SPSS Statistics, specifically descriptive statistics, Pearson’s correlation coefficient, and the t-test for independent samples. The results showed that students are strongly inclined toward saving but are reluctant to invest, as investment orientation achieved the lowest average value among all constructs. We confirmed that investment orientation is positively correlated with perceived financial literacy, negatively correlated with risk aversion, and varies by gender. We were unable to confirm correlations with personal income, financial self-control, and saving behavior. Based on these findings, we have formulated recommendations for policymakers, with the overall goal of facilitating the transition from saving to long-term investing for young people. investicijsko vedenje študentov varčevalno vedenje finančna pismenost finančna samokontrola odnos do tveganja akumulacija premoženja investment behavior of students saving behavior financial literacy financial self-control risk attitude wealth accumulation true true false D. Mitić] Slovenski jezik Angleški jezik Diplomsko delo/naloga 2026-08-18 14:33:28 2026-09-08 14:12:18 2026-09-09 03:06:33 0000-00-00 00:00:00 2026 0 Maribor 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 336.76-057.87 290403843 UN_Mitic_Danilo_2026.pdf UN_Mitic_Danilo_2026.pdf 1 683FE9925ADAD85429031B8CDD9CED24 8742990a04c970c2020e01d4c2068f7d05b4cd93f0680c1f37e14507d9fe8838 ae699067-a254-11f1-95cc-00155d0001be https://dk.um.si/Dokument.php?lang=slv&id=210785 Ekonomsko-poslovna fakulteta 0 0 0