Metode ustvarjalnega reševanja problemov v procesu izbire stanovanjskega kredita

Fištravec, Urška

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Title:	Metode ustvarjalnega reševanja problemov v procesu izbire stanovanjskega kredita
Authors:	ID Fištravec, Urška (Author) ID Čančer, Vesna (Mentor) More about this mentor...
Files:	VS_Fistravec_Urska_2020.pdf (1,62 MB) MD5: A0425432D452F5E4EE7869D35E740AD0 PID: 20.500.12556/dkum/fbc237c3-07c7-453b-b008-620bcf634db5
Language:	Slovenian
Work type:	Diploma project paper
Typology:	2.11 - Undergraduate Thesis
Organization:	EPF - Faculty of Business and Economics
Abstract:	Namen dela diplomskega projekta je predstaviti in rešiti problem »Najem in izbira stanovanjskega kredita«. Problem smo reševali z metodami ustvarjalnega razmišljanja ter z metodami večkriterijskega odločanja. V teoretičnem delu dela diplomskega projekta smo predstavili izhodišča za metode ustvarjalnega reševanja problemov, in sicer za definiranje problemov smo obravnavali tehniko W, tehniko šestih vprašanj, ribjo kost in miselni vzorec. Za generiranje idej smo predstavili morfološko analizo. V okviru metod večkriterijskega odločanja smo opisali računalniški program Web-HIPRE. Predstavili smo tudi teorijo kredita, stanovanjskega kredita ter ugotavljali, kako vpliva epidemija zaradi bolezni COVID-19 na povpraševanje po kreditih. Nakup ali obnova doma je ena največjih investicij v življenju vsakega posameznika. Zaradi pomanjkanja lastnih finančnih sredstev se posamezniki obrnejo na kreditne inštitucije s prošnjo o najemu stanovanjskega kredita. Vendar izbira stanovanjskega kredita lahko predstavlja problem, zato smo v praktičnem delu dela diplomskega projekta problem reševali z zgoraj navedenimi metodami in prišli do veliko uporabnih rešitev. S pomočjo programa Web-HIPRE smo ugotavljali, katera od bank Nova KBM, Abanka in NLB nudi najugodnejši stanovanjski kredit ob določenih pogojih.
Keywords:	banke, metode ustvarjalnega razmišljanja, stanovanjski kredit, večkriterijsko odločanje, Web-HIPRE
Place of publishing:	Maribor
Publisher:	[U. Fištravec]
Year of publishing:	2020
PID:	20.500.12556/DKUM-77332
UDC:	336.77
COBISS.SI-ID:	33692675
NUK URN:	URN:SI:UM:DK:HUAMQJDP
Publication date in DKUM:	22.10.2020
Views:	1631
Downloads:	405
Metadata:
Categories:	EPF
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Licences

License:	CC BY-NC-ND 4.0, Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International

Link:	http://creativecommons.org/licenses/by-nc-nd/4.0/
Description:	The most restrictive Creative Commons license. This only allows people to download and share the work for no commercial gain and for no other purposes.
Licensing start date:	27.08.2020

Secondary language

Language:	English
Title:	Creative problem solving methods in the process of housing loan selection
Abstract:	The purpose of the diploma project is to present and solve the problem of "Renting and Selection of a Housing Loan". We solved the problem with the methods of creative thinking and with the methods of multi-criteria decision-making. In the theoretical part of the diploma project, we presented the starting points for the methods of creative problem-solving. For defining problems, we discussed the W technique, the six-question technique, the fishbone diagram, and the mind mapping. To generate ideas, however, we presented the morphological analysis. Within the framework of the methods of multi-criteria decision-making, we described the computer program Web-HIPRE. We also presented the theory of credit, housing credit, and were ascertaining how the COVID-19 epidemic affects the demand for loans. Buying or renovating a home is one of the biggest investments in every individual’s life. Because of the lack of their financial resources, individuals turn to credit institutions with a request to drawdown a housing loan. However, the choice of a housing loan can be a problem. In the practical part of the diploma project, therefore, we were solving the problem with the methods mentioned above and discovered many useful solutions. With the help of the Web-HIPRA program, we were ascertaining which of the Nova KBM, Abanka, and NLB banks offer the most favorable housing loan under certain conditions.
Keywords:	banks, methods of creative thinking, housing loan, multicriteria decision-making, Web-HIPRE

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