Finančna pismenost in vpliv pandemije COVID-19 na varčevalne in investicijske navade Slovencev.

Fras, Jure

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Title:	Finančna pismenost in vpliv pandemije COVID-19 na varčevalne in investicijske navade Slovencev.
Authors:	ID Fras, Jure (Author) ID Festić, Mejra (Mentor) More about this mentor...
Files:	MAG_Fras_Jure_2023.pdf (2,58 MB) MD5: A7DE04FE6500AB96875CB6CB26DF73D4
Language:	Slovenian
Work type:	Master's thesis/paper
Typology:	2.09 - Master's Thesis
Organization:	EPF - Faculty of Business and Economics
Abstract:	Slovenci praviloma veljamo pri izbiri varčevanja za precej konservativen narod, ki je pretežno nenaklonjen tveganju. V nekaterih obdobjih je takšno finančno vedenje smiselno in povzroča manj finančne škode, v drugih obdobjih pa je lahko finančna škoda zaradi takšnega vedenja bistveno večja. Nahajamo se v izredno negotovem obdobju, ko so se posledice svetovne pandemije začele kazati na ekonomskem področju, vse skupaj pa je le še podkrepila vojna v Ukrajini. Spopadamo se s težavami na področju dobave energentov, prav tako nam ne prizanaša rekordno visoka inflacija, ki med ljudmi vzbuja strah in nestabilnost. Prav to je obdobje, ko je »varčevanje v nogavici« najbolj pogosta, a hkrati najslabša oblika varčevanja, saj inflacija požira vrednost našega denarja. V magistrski nalogi smo se spraševali, kaj pravzaprav vpliva na varčevalne navade ljudi. Ugotovili smo, da smo Slovenci, kljub nekaterim zmotnim prepričanjem, glede na ostale primerljive narode relativno visoko finančno pismeni. Največ znanj s področja finančne pismenosti dobimo skozi prakso in ob učenju z denarjem, zaostajamo pa pri učenju finančne pismenosti v sklopu izobraževalnih programov. Ugotavljali smo, katerih finančnih naložb se Slovenci največ poslužujemo in zakaj. V magistrskem delu je predstavljen pregled finančnih naložb glede na različne faktorje, kot so tveganje, donos, ročnost ipd. Preučevali smo vpliv pandemije COVID-19 na varčevalne in investicijske navade Slovencev in ugotovili, da se je varčevanje v tem obdobju enormno povečalo, stopnja varčevanja je znašala rekordnih 22,6 %. Pomanjkanje znanja ter nepreverjene informacije predstavljajo glavni razlog za konservativno varčevalno politiko Slovencev, sprememba le-te pa bi lahko ključno vplivala na ustrezno prerazporeditev kapitala, povečanje BDP-ja in višjo blaginjo med ljudmi.
Keywords:	Finančna pismenost, finančni inštrumenti, varčevalne navade, investicijske navade, pandemija Covid-19.
Place of publishing:	Maribor
Publisher:	J. Fras
Year of publishing:	2022
PID:	20.500.12556/DKUM-83473
UDC:	336
COBISS.SI-ID:	145484035
Publication date in DKUM:	16.03.2023
Views:	830
Downloads:	194
Metadata:
Categories:	EPF
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Licences

License:	CC BY-NC-SA 4.0, Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International

Link:	http://creativecommons.org/licenses/by-nc-sa/4.0/
Description:	A Creative Commons license that bans commercial use and requires the user to release any modified works under this license.
Licensing start date:	05.12.2022

Secondary language

Language:	English
Title:	Financial literacy and impact of the COVID-19 pandemic of the saving and investment habits of slovenes.
Abstract:	When it comes to adopting a savings strategy, Slovenians are seen as a very conservative society that leans heavily toward risk-averse options. Such financial behavior can be much worse at times, even while it may make sense in some situations and result in less financial harm. When the economic effects of the worldwide pandemic started to emerge, we entered a very unstable period, which only served to escalate the conflict in Ukraine. Fluctuations in the energy product supply, record-high inflation, and widespread panic among the population. And because inflation is eroding the value of our money at this time, "saving in a sock" is both the most popular and the poorest method of saving. We explored what influences people's saving behaviors in my master's thesis. Despite certain false assumptions, we discovered that Slovenians are quite financially knowledgeable when compared to those in other comparable countries. We fall behind in teaching financial literacy as a part of educational programs since the majority of knowledge in the sector is learned via practice and learning with money. We discovered the most popular financial investments Slovenians make and why. The master's thesis provides a summary of financial investments based on a number of variables, including risk, return, maturity, etc. We looked at how the COVID-19 epidemic affected Slovenians' saving and investing behaviors and discovered that during this time, saving significantly increased—the percentage reached a record high of 22.6%. The conservative savings behavior of Slovenians is primarily due to ignorance and unreliable information, and changing this one factor alone might have a significant impact on the balanced distribution of wealth, a rise in GDP, and greater societal wellbeing.
Keywords:	Financial literacy, financial instruments, saving habits, investment habits, Covid-19 pandemic.

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