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Title:POTROŠNIŠKO KREDITIRANJE V TURISTIČNI AGENCIJI X
Authors:Karničnik, Simona (Author)
MLINARIČ, FRANJO (Mentor) More about this mentor... New window
Files:.pdf VS_Karnicnik_Simona_2009.pdf (1,40 MB)
 
Language:Slovenian
Work type:Undergraduate thesis (m5)
Organization:EPF - Faculty of Business and Economics
Abstract:Smo v času gospodarske krize, ko vsi ugibajo, ali je smiselno najemati kakršnikoli kredit ali je s tem pametno še počakati. V negotovih časih je namreč težko predvideti, kako se bodo razmere obrnile. Banke na trgu ponujajo le še kredite v evrih in nič več v švicarskih frankih. Poleg vsega tega je potrebno kredit zavarovati še nekoliko bolj kot nekoč. Banke kreditojemalca vzamejo še bolj pod drobnogled. Pribitki na obrestne mere so višji, ker tudi banke potrebujejo denar. Torej, četudi obrestne mere padajo, se stroški za najetje kredita dvigujejo. Prav zaradi tega je pred najetjem katerega koli kredita za kateri koli namen potrebno, da si vzamemo dovolj časa in obiščemo čim več ponudnikov ter zberemo čim več ponudb. Čeravno je kriza, si želimo privoščiti počitek nekje na lepšem. Postavi se vprašanje: kako poplačati aranžma? Ravno zaradi tega, sem se odločila, da povzamem to v moji diplomi in se osredotočim na ponudbo turistične agencije in jo primerjam s ponudbo v izbrani banki. Iz primera se izkaže, da je v dani situaciji kredit v turistični agenciji »X« ugodnejši.
Keywords:banka, kreditno tveganje, potrošniški kredit, turistična agencija, izterjava dolgov.
Year of publishing:2009
Publisher:[S. Karničnik]
Source:Dravograd
UDC:336.71
COBISS_ID:10016028 Link is opened in a new window
NUK URN:URN:SI:UM:DK:HJPS7VYC
Views:1465
Downloads:164
Metadata:XML RDF-CHPDL DC-XML DC-RDF
Categories:EPF
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Secondary language

Language:English
Title:CONSUMER CREDIT IN THE TRAVEL AGENCY X
Abstract:We are living in a time of economic crisis and many people are considering whether to take up a loan now or to wait a while longer before doing so. In these uncertain times it is difficult to predict future trends and developments. Banks are only offering loans in Euro (not in Swiss francs), loan protection insurances are becoming more expensive and the borrowers are getting inspected more thoroughly than ever. Interest rate margins are becoming higher because the banks need more money. Because of this loans are getting expensiver despite the fact that the interest rates are falling. It is therefore very important to take enough time and study as many offers as possible when considering taking up any kind of loan. Despite the glooming crisis people need to take a break from everyday life. The only dilemma is: How to pay for the holiday? This question made me think and therefore I put it in the focus of my dissertation. I compared a loan offered by a travel agency with that offered by a certain bank. The example shows that in the given situation the loan offered by the travel agency »X« is cheaper.
Keywords:bank, credit risk, credit, costumer credit, travel agency, recovery of debts


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