delo diplomskega seminarja
Mojca Centrih (Author), Vesna Čančer (Mentor)

Abstract

V današnjem času večina ljudi nima dovolj prihrankov, da bi se lahko podala v izgradnjo novega doma, nakup stanovanja brez dodatno pridobljenih sredstev. Po dodatna sredstva se le-ti zatekajo k bankam, katere jim ponujajo veliko različnih vrst kreditov, posamezniki pa nato na podlagi zbranih informacij izberejo sebi najustreznejšo vrsto kredita. Vendar pa je pri tem racionalno, da posamezniki pridobijo informacije o kreditih od več različnih bank, saj bodo tako lahko primerjali stroške, ugodnosti posameznega kredita pri različnih bankah, nato pa se bodo po njihovi preučitvi odločili za sebi najustreznejšega. Za naš obravnavani problem smo se postavili v vlogo povprečnega kreditojemalca, ki se odloča za najem dolgoročnega bančnega kredita (potrošniški, hipotekarni, ekološki stanovanjski in stanovanjski kredit) v višini Y EUR pri Banki X, pri kateri je tudi komitent, za izgradnjo nove stanovanjske hiše. Tako smo na podlagi zbranih podatkov o vseh štirih vrstah kreditov naredili analizo z računalniškima programoma Web-HIPRE in Expert Choice. Dobljene rezultate z obema programoma smo na koncu tudi primerjali med seboj in ugotovili, da smo z obema prišli do enake ugotovitve, da je najboljša rešitev za povprečnega kreditojemalca, ki se odloča za najem dolgoročnega bančnega kredita pri Banki X v višini Y EUR, »potrošniški kredit«.

Keywords

večkriterialno odločanje;odločanje;metode;računalniški programi;krediti;alternative;

Data

Language: Slovenian
Year of publishing:
Source: Grobelno
Typology: 2.11 - Undergraduate Thesis
Organization: UM EPF - Faculty of Economics and Business
Publisher: [M. Centrih]
UDC: 005.311.6:336.77
COBISS: 10548252 Link will open in a new window
Views: 2377
Downloads: 270
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Other data

Secondary language: English
Secondary title: ǂThe ǂcomparison of multi-criteria decision making methods for selecting a long-term bank credit
Secondary abstract: Nowadays most people do not have enough earnings for building their new house or for purchase an apartment. So they are forced to get some extra financial assets from somewhere else. Most people go to the bank where they can raise a bank credit. They choose between different types of credits and they choose the one that is the most suitable for their needs. But before raising a credit it is the most rational that people get some information about credits from different banks, so they could compare costs and benefits of each credit and after that they should choose the most appropriate one. For our chosen problem we have placed in a role of an average borrower, who is deciding for raising a long-term bank credit (consumer, mortgage, green home and housing credit) at the Bank X, where is also a principal, for building a new house. He would raise a credit in an amount of Y EUR and he is prepared to pay it off in about 15 years. On the basis of assemble information about all four types of credit we had made the analysis with computer programmes Web-HIPRE and Expert Choice. At the end we have compared received results with both programmes and found out that the best solution for average borrower, who is deciding for raising a long-term bank credit at the Bank X in amount of Y EUR with both programmes is »consumer credit«.
Secondary keywords: multi-criteria decision making;interval scale;computer programme Web-HIPRE;ratio scale;computer programme Expert Choice;the Analytic Hierarchy Process method;SMART;SWING;direct weighting;long-term bank credit;average borrower.;
URN: URN:SI:UM:
Type (COBISS): Final seminar paper
Thesis comment: Univ. v Mariboru, Ekonomsko-poslovna fak.
Pages: 61 str., 10 str. pril.
Keywords (UDC): science and knowledge;organization;computer science;information;documentation;librarianship;institutions;publications;znanost in znanje;organizacije;informacije;dokumentacija;bibliotekarstvo;institucije;publikacije;prolegomena;fundamentals of knowledge and culture;propaedeutics;prolegomena;splošne osnove znanosti in kulture;management;menedžment;management activities;menedžerske dejavnosti;operational research (or);operacijska raziskava (or);social sciences;družbene vede;economics;economic science;ekonomija;ekonomske vede;finance;finance;money;monetary system;banking;stock exchanges;denar;monetarni sistem;bančništvo;borzništvo;
ID: 1012705