Inflacijski stres v Sloveniji

Viher, Anže

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Title:	Inflacijski stres v Sloveniji
Authors:	ID Viher, Anže (Author) ID Romih, Dejan (Mentor) More about this mentor... ID Frešer, Blaž (Comentor) ID Taškar Beloglavec, Sabina (Comentor)
Files:	MAG_Viher_Anze_2026.pdf (1,81 MB) MD5: 67E3FDB9633A98149A54AA72CF08C97B
Language:	Slovenian
Work type:	Master's thesis/paper
Typology:	2.09 - Master's Thesis
Organization:	EPF - Faculty of Business and Economics
Abstract:	Inflacijska epizoda po letu 2021 je v evroobmočju dosegla najvišje ravni v zadnjih štirih desetletjih, v Sloveniji pa najvišje ravni po sredini devetdesetih let, kar je imelo pomembne posledice za gospodinjstva, med drugim izrazito zmanjšanje realnega dohodka in kupne moči ter povečanje ekonomske negotovosti. Ta epizoda je poudarila potrebo po poglobljenem proučevanju posledic inflacije na ravni posameznika, saj se je pokazalo, da rast cen ne povzroča le merljivih ekonomskih posledic, temveč tudi psihološko obremenitev, ki jo opredeljujemo kot inflacijski stres. Gre za subjektivni odziv posameznikov in gospodinjstev na rast splošne ravni cen, ki se kaže v občutkih finančne obremenjenosti, negotovosti in izgube nadzora ter vodi v prilagajanje potrošniškega, varčevalnega in investicijskega vedenja. Dolgoročno je lahko povezan tudi s slabšim duševnim zdravjem. Kljub pomembnosti tega pojava pregled obstoječe literature razkriva, da sta inflacijski stres in njegovi dejavniki še vedno nezadostno raziskana, zlasti ne zunaj ameriškega institucionalnega okolja, saj empiričnih analiz za Slovenijo in primerljiva majhna odprta gospodarstva evroobmočja tako rekoč ni. Magistrsko delo se zato osredotoča na proučevanje inflacijskega stresa med slovenskimi potrošniki, pri čemer analizira razlike v njegovi ravni med posameznimi socialno-demografskimi skupinami. Inflacijska pričakovanja obravnavamo kot ključni vmesni člen med dejanskim gibanjem cen in njihovim subjektivnim doživljanjem. Rezultati kažejo, da je bila raven inflacijskega stresa med slovenskimi potrošniki razmeroma visoka tudi v obdobju, ko se je izmerjena inflacija že približala ciljni vrednosti Evropske centralne banke, kar potrjuje, da psihološka obremenitev ne izzveni sočasno z umirjanjem rasti cen. Rast cen so potrošniki najbolj izrazito zaznali pri hrani, gorivu in energiji, torej pri dobrinah, ki jih kupujejo najpogosteje. Med spoloma statistično značilnih razlik v ravni inflacijskega stresa ni, medtem ko se razlike izrazito kažejo glede na starost, izobrazbo in dohodek. Najbolj so obremenjeni potrošniki srednjih let, potrošniki z nižjo izobrazbo in tisti z najnižjim dohodkom na člana gospodinjstva. Predstavljeni izsledki in sklepi lahko v prihodnje služijo kot podlaga za oblikovanje ciljno usmerjenih ekonomskih in socialnih ukrepov za blaženje posledic inflacijskega stresa med najbolj ranljivimi skupinami prebivalstva ter za krepitev finančne pismenosti in zaupanja v institucije.
Keywords:	inflacija, inflacijska pričakovanja, inflacijski stres, inflacijski stres v Sloveniji, potrošniško vedenje.
Place of publishing:	Maribor
Publisher:	A. Viher]
Year of publishing:	2026
PID:	20.500.12556/DKUM-99532
UDC:	336.748.12
COBISS.SI-ID:	291472131
Publication date in DKUM:	17.09.2026
Views:	80
Downloads:	22
Metadata:
Categories:	EPF
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Licences

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

Link:	http://creativecommons.org/licenses/by-nc/4.0/
Description:	A creative commons license that bans commercial use, but the users don’t have to license their derivative works on the same terms.
Licensing start date:	19.08.2026

Secondary language

Language:	English
Title:	Inflation stress in Slovenia
Abstract:	The inflationary episode after 2021 reached the highest levels in the euro area in the last four decades, and in Slovenia the highest levels since the mid-1990s, which had significant consequences for households, including a marked decline in real income and purchasing power and an increase in economic uncertainty. This episode highlighted the need for an in-depth study of the consequences of inflation at the level of the individual, as it became evident that rising prices cause not only measurable economic consequences but also a psychological burden, which we define as inflation stress. It refers to the subjective response of individuals and households to a rise in the general price level, which manifests itself in feelings of financial strain, uncertainty and loss of control, and leads to adjustments in consumption, saving and investment behaviour. In the long term, it may also be associated with poorer mental health. Despite the importance of this phenomenon, a review of the existing literature reveals that inflation stress and its determinants remain insufficiently researched, particularly outside the American institutional environment, as empirical analyses for Slovenia and comparable small open economies of the euro area are virtually non-existent. This master's thesis therefore focuses on the study of inflation stress among Slovenian consumers, analysing differences in its level across individual socio-demographic groups. Inflation expectations are treated as the key intermediate link between actual price developments and their subjective perception. The results show that the level of inflation stress among Slovenian consumers remained relatively high even in the period when measured inflation had already approached the target value of the European Central Bank, confirming that the psychological burden does not subside simultaneously with the moderation of price growth. Consumers perceived price increases most strongly for food, fuel and energy, that is, for goods they purchase most frequently. There are no statistically significant differences in the level of inflation stress between genders, whereas differences are strongly evident with respect to age, education and income. The most burdened are middle-aged consumers, consumers with lower education and those with the lowest income per household member. The presented findings and conclusions may in the future serve as a basis for designing targeted economic and social measures to mitigate the consequences of inflation stress among the most vulnerable groups of the population and to strengthen financial literacy and trust in institutions.
Keywords:	inflation, inflation expectations, inflation stress, inflation stress in Slovenia, consumer behaviour.

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