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undergraduate thesis
Postupak odobravanja kredita malim i srednjim poduzećima - primjer Hrvatske poštanske banke
2024. urn:nbn:hr:143:492303
Cvitan, Marinela
Šibenik University of Applied Sciences
Management

Cite this document

Cvitan, M. (2024). Postupak odobravanja kredita malim i srednjim poduzećima - primjer Hrvatske poštanske banke (Undergraduate thesis). Šibenik: Šibenik University of Applied Sciences. Retrieved from https://urn.nsk.hr/urn:nbn:hr:143:492303

Cvitan, Marinela. "Postupak odobravanja kredita malim i srednjim poduzećima - primjer Hrvatske poštanske banke." Undergraduate thesis, Šibenik University of Applied Sciences, 2024. https://urn.nsk.hr/urn:nbn:hr:143:492303

Cvitan, Marinela. "Postupak odobravanja kredita malim i srednjim poduzećima - primjer Hrvatske poštanske banke." Undergraduate thesis, Šibenik University of Applied Sciences, 2024. https://urn.nsk.hr/urn:nbn:hr:143:492303

Cvitan, M. (2024). 'Postupak odobravanja kredita malim i srednjim poduzećima - primjer Hrvatske poštanske banke', Undergraduate thesis, Šibenik University of Applied Sciences, accessed 16 December 2024, https://urn.nsk.hr/urn:nbn:hr:143:492303

Cvitan M. Postupak odobravanja kredita malim i srednjim poduzećima - primjer Hrvatske poštanske banke [Undergraduate thesis]. Šibenik: Šibenik University of Applied Sciences; 2024 [cited 2024 December 16] Available at: https://urn.nsk.hr/urn:nbn:hr:143:492303

M. Cvitan, "Postupak odobravanja kredita malim i srednjim poduzećima - primjer Hrvatske poštanske banke", Undergraduate thesis, Šibenik University of Applied Sciences, Šibenik, 2024. Available at: https://urn.nsk.hr/urn:nbn:hr:143:492303

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TitlePostupak odobravanja kredita malim i srednjim poduzećima - primjer Hrvatske poštanske banke
Title (english)THE PROCEDURE OF APPROVAL OF LOANS TO SMALL AND MEDIUM-SIZED ENTREPRENEURS ON THE EXAMPLE OF THE CROATIAN POSTAL BANK
AuthorMarinela Cvitan
MentorJelena Žaja (mentor)
Committee memberDino Slavica (predsjednik povjerenstva)
Committee memberJelena Žaja (član povjerenstva)
Committee memberNikolina Gaćina (član povjerenstva)
GranterŠibenik University of Applied Sciences
(Management)
Šibenik
Defense date and country2024-09-16, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Abstract
Kredit nakon gotovog novca predstavlja ključnu ulogu u modernom gospodarstvu jer omogućava pojedincima i poduzećima da unaprijede svoj položaj na tržištu, povećaju potrošnju, investiraju u nove projekte ili prevladaju privremene financijske teškoće. Mala i srednja poduzeća (MSP) igraju ključnu ulogu u gospodarskom razvoju i zapošljavanju, no često se suočavaju s izazovima u pristupu financiranju. Tradicionalni izvori, poput bankovnih kredita, i dalje dominiraju, no njihova dostupnost može varirati ovisno o uvjetima na tržištu i specifičnim potrebama poduzeća. U sklopu rada provedeno je istraživanje putem intervijua s djelatnicima Hrvatske poštanske banke u Vodicama na temu postupka odobravanja kredita malim i srednjim poduzetnicima. Iz provedenog istraživanja se može zaključiti kako Hrvatska poštanska banka pridonosi jačanju zajednice i poboljšanju životnog standarda na način da malim i srednjim poduzetnicima nudi povoljne uvjete financiranja, dok kreditnu sposobnost prati koristeći financijske pokazatelje poput EBITDA-e i DSCR-a, te postavlja ograničenja za rizične klijente, kao što su oni s blokiranim računima ili velikim kašnjenjima u plaćanju.
Abstract (english)
Credit after cash represents a key role in the modern economy because it enables individuals and companies to improve their position on the market, increase consumption, invest in new projects or overcome temporary financial difficulties. Small and medium-sized enterprises (SME) play a key role in economic development and employment, but often face challenges in accessing financing. Traditional sources, such as bank loans, continue to dominate, but their availability may vary depending on market conditions and the specific needs of companies. As part of research was conducted through interviews with employees of Hrvatska poštanska banka in Vodice on the topic of the procedure for approving loans to small and medium-sized entrepreneurs. From the conducted research, it can be concluded that Hrvatska poštanska banka contributes to strengthening the community and improving living standards by offering small and medium-sized entrepreneurs favorable financing conditions, while monitoring creditworthiness using financial indicators such as EBITDA and DSCR, and setting limits for risky customers, such as those with blocked accounts or long payment delays.
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:143:492303
Study programmeTitle: Tourism Management; Tourism Management, Information Management - undergraduate - professional study; specializations in: Tourism Management, Information Management
Course: Tourism Management
Study programme type: professional
Study level: undergraduate
Academic / professional title: stručni/a prvostupnik/prvostupnica (baccalaureus/baccalaurea) ekonomije (stručni/a prvostupnik/prvostupnica (baccalaureus/baccalaurea) ekonomije)
Type of resourceText
File originBorn digital
Access conditionsAccess restricted to students and staff of home institution
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Created on2024-09-25 08:31:34