Finančna vključenost mladih

Simonič, Janja

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Title:	Finančna vključenost mladih
Authors:	ID Simonič, Janja (Author) ID Taškar Beloglavec, Sabina (Mentor) More about this mentor...
Files:	VS_Simonic_Janja_2022.pdf (1,42 MB) MD5: D4C558873F56A74C20EDFEE3ABCF90BC
Language:	Slovenian
Work type:	Bachelor thesis/paper
Typology:	2.11 - Undergraduate Thesis
Organization:	EPF - Faculty of Business and Economics
Abstract:	Finančna vključenost je dokaj neznan pojem v vsakdanjem življenju. Vendar ni tako ne pomemben, da bi ga lahko kar spregledali. Zato smo v diplomskem delu navedli nekaj definicij finančne vključenosti, ki so si med seboj podobne, vendar vsaka doda nek svoj element. Najprej smo se osredotočili na finančno vključenost na sploh. Predstavili smo njen namen, način merjenja in kako se lahko pospešuje finančna vključenost, kjer smo ugotovili, da je za to pomemben tako javen kot tudi zaseben sektor. Nato smo raziskali vpliv COVID-19 na finančno vključenost in pri tem ugotovili, da je zaradi omejitve socialnih stikov in zaprtja poslovalnic prišlo do povečane uporabe digitalnih finančnih storitev. Tako pomemben kot je pojem finančne vključenosti, je tudi pojem finančne izključenosti in način kako bi zmanjšali odstotek finančno izključenih ljudi. V nadaljevanju dela smo se osredotočili na finančno vključenost mladih starih med 15 in 24 let. Tukaj smo dali poudarek na ovirah, ki se pojavljajo pri finančni vključenosti mladih. Na kratko smo opisali stanje finančne vključenosti in načine za izboljšanje ter vpliv pandemije. Pandemija COVID-19 ni vplivala samo na finančno vključenost ljudi nasploh, ampak je še posebej prizadela ranljive skupine, med katere spadajo tudi mladi. Na koncu pa smo še predstavili najpogostejše vzroke za finančno izključenost mladih. V empiričnem delu smo s pomočjo izbranih kriterijev preučili finančno vključenost mladih v Sloveniji, na Švedskem, Danskem in Norveškem. Ti kriteriji so bančni račun, varčevanje za starost, varčevanje pri finančni instituciji, privarčevan denar v preteklem letu, uporaba interneta za plačevanje računov v preteklem letu, uporaba interneta za plačevanje računov v preteklem letu, uporaba interneta za nakupovanje preko spleta v preteklem letu, izposoja pri finančni instituciji, izposoja od družine ali prijateljev, izposoja denarja v preteklem letu, dostop do računa z mobilnim telefonom ali internetom ter izvedba digitalnega plačila v preteklem letu. Tako smo ugotovili, da vse štiri države uvrščamo med gospodarstva z visokim dohodkom in zato na splošno ni velikih odstopanj v finančni vključenosti.
Keywords:	finančna vključenost, mladi, COVID-19, finančna izključenost, pomembnost
Place of publishing:	[Maribor
Publisher:	J. Simonič
Year of publishing:	2022
PID:	20.500.12556/DKUM-82935
UDC:	336
COBISS.SI-ID:	128871427
Publication date in DKUM:	10.11.2022
Views:	658
Downloads:	115
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:	09.09.2022

Secondary language

Language:	English
Title:	Youth financial inclusion
Abstract:	Financial inclusion is a fairly unknown concept in everyday life. However, it is not so unimportant, that it can be just overlooked. That is why in the diploma work we listed some definitions of financial inclusion, which are similar to each other, but each adds its own element. First, we focused on financial inclusion in general. We presented its purpose, the method of measurement and how financial inclusion can be accelerated, where we see that both the public and private sectors are important for this. We then investigated the impact of COVID-19 on financial inclusion and found, that the use of digital financial services increased due to the restriction of social contacts and the closure of branches. As important as the concept of financial inclusion is, so is the concept of financial exclusion and how to reduce the percentage of financially excluded people. In the continuation of the work, we focused on the financial inclusion of young people between the ages of 15 and 24. Here we have focused on the obstacles that appear in the financial inclusion of young people. We briefly described the state of financial inclusion, ways to improve it and the impact of the pandemic. The COVID-19 pandemic has not only affected the financial inclusion of people in general, but has particularly affected vulnerable groups, including young people. Finally, we presented the most common reasons for the financial exclusion of young people. In the empirical work, we examined the financial inclusion of young people in Slovenia, Sweden, Denmark and Norway with the help of selected criteria. These criteria are a bank accounts, savings for old age, savings at a financial institution, saving money in the past year, using the network to pay bills in the past year, using the network to pay bills in the past year, using the network to shop online in the past year, borrowing at a financial institution, borrowing from family or friends, borrowing money in the past year, accessing the account using a mobile phone or the network, and making a digital payment in the past year. So, we found that we classify all four countries as high-income economies and therefore, in general, there are no large differences in financial inclusion.
Keywords:	Financial inclusion, youth, COVID-19, financial exclusion, importance

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