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undergraduate thesis
Mirovinsko osiguranje u Republici Hrvatskoj
2023. urn:nbn:hr:192:291104
Radman, Roberta
University of Rijeka
Faculty of Economics and Business

Cite this document

Radman, R. (2023). Mirovinsko osiguranje u Republici Hrvatskoj (Undergraduate thesis). Rijeka: University of Rijeka, Faculty of Economics and Business. Retrieved from https://urn.nsk.hr/urn:nbn:hr:192:291104

Radman, Roberta. "Mirovinsko osiguranje u Republici Hrvatskoj." Undergraduate thesis, University of Rijeka, Faculty of Economics and Business, 2023. https://urn.nsk.hr/urn:nbn:hr:192:291104

Radman, Roberta. "Mirovinsko osiguranje u Republici Hrvatskoj." Undergraduate thesis, University of Rijeka, Faculty of Economics and Business, 2023. https://urn.nsk.hr/urn:nbn:hr:192:291104

Radman, R. (2023). 'Mirovinsko osiguranje u Republici Hrvatskoj', Undergraduate thesis, University of Rijeka, Faculty of Economics and Business, accessed 12 May 2024, https://urn.nsk.hr/urn:nbn:hr:192:291104

Radman R. Mirovinsko osiguranje u Republici Hrvatskoj [Undergraduate thesis]. Rijeka: University of Rijeka, Faculty of Economics and Business; 2023 [cited 2024 May 12] Available at: https://urn.nsk.hr/urn:nbn:hr:192:291104

R. Radman, "Mirovinsko osiguranje u Republici Hrvatskoj", Undergraduate thesis, University of Rijeka, Faculty of Economics and Business, Rijeka, 2023. Available at: https://urn.nsk.hr/urn:nbn:hr:192:291104

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Metadata
TitleMirovinsko osiguranje u Republici Hrvatskoj
Title (english)Pension insurance in the Republic of Croatia
AuthorRoberta Radman
MentorHelena Blažić Pečarić (mentor)
GranterUniversity of Rijeka
Faculty of Economics and Business
Rijeka
Defense date and country2023-09-06, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Abstract
Mirovinsko osiguranje u Hrvatskoj temelji se na tri osnovna stupa. Prvi stup predstavlja obvezni mirovinski fond, temeljen na solidarnosti među generacijama. U ovom stupu, aktivno radno stanovništvo uplaćuje doprinose za mirovinsko osiguranje koji se koriste za isplatu mirovina trenutačnim umirovljenicima. Drugi stup obuhvaća dobrovoljni mirovinski fond, omogućujući građanima da dodatno uplaćuju sredstva u privatne mirovinske fondove. Ovaj stup nadopunjuje prvi stup i pruža veću financijsku sigurnost građanima tijekom mirovine. Treći stup se temelji na individualnom dobrovoljnom mirovinskom osiguranju, gdje građani samostalno štede ili ulažu u privatne mirovinske programe kako bi osigurali dodatne prihode tijekom mirovine. Ispravno funkcioniranje mirovinskog sustava osigurava stabilne prihode umirovljenicima, što smanjuje potrebu za visokim društvenim davanjima i financijskom pomoći umirovljenicima iz državnog proračuna. To doprinosi smanjenju fiskalnog pritiska i troškova socijalnih programa. Stabilni prihodi umirovljenika iz mirovina potiču potrošnju i ekonomsku aktivnost unutar zemlje. Kada umirovljenici imaju financijsku sigurnost, vjerojatnije je da će trošiti i aktivno sudjelovati u ekonomskom životu, što može pridonijeti rastu gospodarstva.
Abstract (english)
Pension insurance in Croatia is based on three basic pillars. The first pillar is a mandatory pension fund, based on solidarity between generations. In this column, the active working population pays pension insurance contributions that are used to pay pensions to current retirees. The second pillar includes a voluntary pension fund, enabling citizens to make additional contributions to private pension funds. This pillar complements the first pillar and provides greater financial security to citizens during retirement. The third pillar is based on individual voluntary pension insurance, where citizens independently save or invest in private pension programs to provide additional income during retirement. The proper functioning of the pension system ensures stable incomes for retirees, which reduces the need for high social benefits and financial assistance to retirees from the state budget. This contributes to reducing the fiscal pressure and costs of social programs. Stable incomes of retirees from pensions stimulate consumption and economic activity within the country. When retirees have financial security, they are more likely to spend and actively participate in economic life, which can contribute to economic growth.
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:192:291104
Study programmeTitle: Business economics; specializations in: Finance and Accounting, Entrepreneurship, Management, Finance and Banking, Marketing, International Business, IT Business, Finance
Course: Finance and Accounting
Study programme type: university
Study level: undergraduate
Academic / professional title: sveučilišni/a prvostupnik/prvostupnica (baccalaureus/baccalaurea) ekonomije (sveučilišni/a prvostupnik/prvostupnica (baccalaureus/baccalaurea) ekonomije)
Type of resourceText
File originBorn digital
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Created on2024-01-19 11:28:33