Osebno varčevanje v Združenih državah Amerike

Medved, Maks

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Title:	Osebno varčevanje v Združenih državah Amerike
Authors:	ID Medved, Maks (Author) ID Romih, Dejan (Mentor) More about this mentor... ID Taškar Beloglavec, Sabina (Comentor)
Files:	UN_Medved_Maks_2026.pdf (997,93 KB) MD5: D885358D27C1F5BC74ECC5D2D6640B9E
Language:	Slovenian
Work type:	Bachelor thesis/paper
Typology:	2.11 - Undergraduate Thesis
Organization:	EPF - Faculty of Business and Economics
Abstract:	Diplomsko delo obravnava značilnosti ter dinamiko osebnega varčevanja v Združenih državah Amerike s poudarkom na vplivih, ki jih je povzročila pandemija COVIDA-19, ter na obdobju po njej. Diplomsko delo je sestavljeno iz teoretičnega ter empiričnega dela. Teoretični del izhaja iz definicij osebnega varčevanja, teorije življenjskega ciklusa in vloge oziroma pomena finančne pismenosti. Empirični del diplomskega dela se osredotoča na dejavnike ter analize osebnega varčevanja v ZDA, kjer podrobneje preučujemo presežne prihranke, ki so nastali v času zdravstvene krize. V diplomskem delu smo prav tako preučili vlogo in pomen zdravstvenega varčevanja prek zdravstvenih varčevalnih računov (HSA). V diplomskem delu smo ugotovili, da se je po izbruhu pandemije COVID-19 osebno varčevanje v ZDA povečalo. Prav tako smo ugotovili, da so višji prihodki gospodinjstev povzročeni s povečanimi izdatki države, v okviru paketov fiskalne pomoči bili namenjeni ublažitvi negativnih posledic epidemije na gospodarstvo. To je imelo za posledico povečan obseg osebnega varčevanja v ZDA.
Keywords:	osebno varčevanje, Združene države Amerike, pandemija COVID-19, presežni prihranki, finančna pismenost, zdravstveni varčevalni računi (HSA).
Place of publishing:	Maribor
Publisher:	M. Medved]
Year of publishing:	2026
PID:	20.500.12556/DKUM-99349
UDC:	336.7(73)
COBISS.SI-ID:	291833603
Publication date in DKUM:	21.09.2026
Views:	98
Downloads:	2
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:	13.08.2026

Secondary language

Language:	English
Title:	Personal saving in the United States
Abstract:	The diploma thesis analyzes the characteristics and dynamics of personal saving in the United States, with an emphasis on the impacts of the COVID-19 pandemic and its aftermath. The thesis is divided into a theoretical and an empirical part. The theoretical framework builds on the definitions of personal saving, the life-cycle hypothesis, and the role and significance of financial literacy. The empirical part focuses on the determinants and analysis of personal saving in the US, providing an in-depth examination of the excess savings accumulated during the health crisis. Furthermore, the thesis explores the role and importance of healthcare savings via Health Savings Accounts (HSAs). In this thesis, we found that personal saving in the United States increased following the outbreak of the COVID-19 pandemic. We also found that higher household incomes, driven by increased government spending through fiscal support packages aimed at mitigating the negative economic effects of the pandemic, contributed to this increase. As a result, the overall level of personal saving in the United States rose.
Keywords:	personal saving, United States, COVID-19 pandemic, excess savings, financial literacy, Health Savings Accounts (HSA).

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