Finančni stress pri starejših osebah

Smodiš, Eva

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Title:	Finančni stress pri starejših osebah
Authors:	ID Smodiš, Eva (Author) ID Romih, Dejan (Mentor) More about this mentor... ID Frešer, Blaž (Comentor) ID Taškar Beloglavec, Sabina (Comentor)
Files:	MAG_Smodis_Eva_2026.pdf (1,09 MB) MD5: 979B20DCC93703B2B647437FB1E94018
Language:	Slovenian
Work type:	Master's thesis/paper
Typology:	2.09 - Master's Thesis
Organization:	EPF - Faculty of Business and Economics
Abstract:	Finančni stres predstavlja pomemben psihološki in fizični pritisk, povezan z negotovostjo pri upravljanju osebnih financ, ter pomemben vir psihosocialnega stresa. Zaradi staranja prebivalstva in podaljševanja življenjske dobe postaja finančni stres še posebej pomemben pri starejših osebah, ki se pogosto soočajo z omejenimi finančnimi viri in večjo finančno negotovostjo. Njegove posledice se kažejo tako na psihološki in telesni ravni kot tudi v splošni kakovosti življenja. Magistrsko delo obravnava finančni stres pri starejših osebah ter predstavlja tudi njihov finančni položaj v Sloveniji z vidika stopnje tveganja revščine in stopnje tveganja socialne izključenosti. Namen magistrskega dela je bil proučiti finančni stres pri starejših osebah v Sloveniji ter ugotoviti, ali se njegova povprečna raven statistično značilno razlikuje glede na spol, starost, stopnjo izobrazbe in višino dohodka. Magistrsko delo je sestavljeno iz teoretičnega in empiričnega dela. V teoretičnem delu sta predstavljena pojem stresa in finančnega stresa ter pregled relevantne domače in tuje literature na mikro ravni. Posebna pozornost je namenjena finančnemu stresu pri starejših osebah, pri čemer so predstavljeni njegovi ključni vzroki in posledice ter ugotovitve dosedanjih raziskav na tem področju. Empirični del magistrskega dela temelji na anketni raziskavi, v kateri je sodelovalo 212 oseb, starih 65 let ali več. Podatki so bili zbrani s spletnim anketnim vprašalnikom in osebnim anketiranjem ter statistično obdelani s programom IBM SPSS Statistics. Analiza je vključevala opisno statistiko, preverjanje normalnosti porazdelitve in uporabo neparametričnih statističnih testov, in sicer Mann-Whitneyjevega U-testa ter Kruskal-Wallisovega H-testa. Rezultati raziskave so pokazali statistično značilne razlike v povprečni ravni finančnega stresa glede na spol, stopnjo izobrazbe in višino dohodka. Ženske so izkazovale višjo raven finančnega stresa kot moški, prav tako so višjo raven finančnega stresa izkazovale osebe z nižjo stopnjo izobrazbe in nižjimi dohodki. Med posameznimi starostnimi skupinami statistično značilnih razlik v povprečni ravni finančnega stresa nismo ugotovili. Delo zaključujemo s priporočili za oblikovalce politik ter sklepom.
Keywords:	finančni stres, starejše osebe, kakovost življenja, Slovenija.
Place of publishing:	Maribor
Publisher:	E. Smodiš]
Year of publishing:	2026
PID:	20.500.12556/DKUM-99512
UDC:	336-053.9
COBISS.SI-ID:	291475459
Publication date in DKUM:	17.09.2026
Views:	94
Downloads:	13
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:	18.08.2026

Secondary language

Language:	English
Title:	Financial stress among older people
Abstract:	Financial stress represents a significant psychological and physical burden associated with uncertainty in managing personal finances and constitutes an important source of psychosocial stress. Due to population ageing and increasing life expectancy, financial stress has become particularly important among older adults, who often face limited financial resources and greater financial insecurity. Its consequences are reflected at the psychological and physical levels as well as in overall quality of life. This master’s thesis examines financial stress among older adults and also presents their financial situation in Slovenia in terms of the at-risk-of-poverty rate and the risk-of-social-exclusion rate. The aim of the master’s thesis was to examine financial stress among older adults in Slovenia and to determine whether its average level differs statistically significantly according to gender, age, education, and Income. The master’s thesis consists of a theoretical and an empirical part. The theoretical part presents the concepts of stress and financial stress, as well as a review of relevant domestic and international literature at the micro level. Particular attention is devoted to financial stress among older adults, including its key causes and consequences and the findings of previous research in this field. The empirical part of the master’s thesis is based on a survey in which 212 individuals aged 65 or older participated. The data were collected using an online questionnaire and face-to-face surveying and were statistically analysed using IBM SPSS Statistics. The analysis included descriptive statistics, testing for normality of the data distribution, and the application of non-parametric statistical tests, namely the Mann Whitney U test and the Kruskal–Wallis H test. The results of the study showed statistically significant differences in the average level of financial stress according to gender, education, and Income. Women reported higher levels of financial stress than men, while individuals with lower levels of educational attainment and lower incomes also reported higher levels of financial stress. No statistically significant differences in the average level of financial stress were found among the individual age groups. The thesis concludes with recommendations for policymakers and a conclusion.
Keywords:	financial stress, older people, quality of life, Slovenia.

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