Uporaba metode analitičnega hierarhičnega procesa pri izbiri kredita

delo diplomskega seminarja

Rebeka Srša (Author), Vesna Čančer (Mentor)

Abstract

Namen dela diplomskega seminarja je bil izdelati model za izbiro kredita po več kriterijih hkrati, s katerim bi prišli do najbolj ugodnega kredita za posameznika. V delu diplomskega seminarja smo pojasnili pojem kredit, poiskali in izbrali smo najboljši kredit, našteli in opisali smo vrste kreditov pri Banki Celje d.d. ter opisali metodo AHP in računalniški program Expert Choice. Beseda kredit izvira iz besede Credere, ki pomeni zaupati, verjeti. Krediti se pojavljajo tako v gospodarstvu kot pri prebivalstvu. Banke posameznikom ponujajo različne kredite in sicer hitre kredite, stanovanjske kredite, natur kredite, kredite na določeno dobo (5, 10, 20 let). Pri odobritvi kredita upoštevajo posameznikovo plačilno sposobnost. V današnjem času se veliko ljudi sooča s pomanjkanjem finančnih sredstev. Odločajo se za najeme kreditov pri bankah. V našem primeru smo se odločili za Banko Celje d.d. Banka Celje d.d. je banka z dolgoletno tradicijo, saj delujejo že 140 let. Banka posluje z več kot 900 bankami po svetu. Kredite smo primerjali z uporabo metode AHP in problem reševali s pomočjo programa Expert Choice. Izbirali smo med sedmimi alternativami. Prišli smo do ugotovitve, da se posameznik naj odloča za kredite, ki imajo daljšo plačilno dobo, v našem primeru je to 20 let. Najbolj ugodno je, če se posameznik odloči za kredit na določeno dobo (20 let). Najslabšo izbiro mu predstavljajo hitri kredit, natur kredit, stanovanjski kredit in kredit za osebno potrošnjo.

Keywords

banke;bančno poslovanje;krediti;kreditiranje;metode;plače;optimizacija;modeli;analitske metode;

Data

Language:	Slovenian
Year of publishing:	2011
Source:	Celje
Typology:	2.11 - Undergraduate Thesis
Organization:	UM EPF - Faculty of Economics and Business
Publisher:	[R. Srša]
UDC:	004.652.2:336.77
COBISS:	10814748
Views:	1637
Downloads:	166
Average score:	0 (0 votes)
Metadata:

Other data

Secondary language:	English
Secondary title:	ǂThe ǂuse of the analytic hierarchy process method in the credit selection
Secondary abstract:	The purpose of our thesis was to create a model for the selection of credit according to several criteria, which would result in the most favorable credit to an individual. In one part of the thesis we have explained the concept of credit, we have found and chosen the best loan, we have listed and described the types of loans at Banka Celje d.d., we have described the AHP method and Expert Choice software. The word credit comes from the word “Credere” which means to trust, believe. Credit appears in the economy and in the population. Banks offer different loans to individuals, for example quick loans, housing loans, “NATUR” loans, personal consumption loans and fixed-term loans (5, 10, 20 years). Loan approval depends on the individual’s paying ability. Nowadays, many people are faced with the lack of financial resources. They decide to take out a loan in a bank. In our case we decided for Banka Celje d.d., which is a bank with tradition. They have existed for 140 years. They operate with more than 900 banks around the world. Loans were compared with the use of AHP method and the problem was solved with the use Expert Choice program. There was a choice from seven alternatives. We have come to the conclusion that the individual should decide for loans with a long payment period, in our case the period is 20 years. It is the most advantageous to an individual to decide for fixed-term credit (the period of 20 years). On the other hand, the worst choice for an individual is a quick loan, a “NATUR” loan, a housing loan and a personal consumption loan.
Secondary keywords:	Bank;credit;individual;minimum wage;method AHP;Expert Choice;Banka Celje d.d.;
URN:	URN:SI:UM:
Type (COBISS):	Final seminar paper
Thesis comment:	Univ. v Mariboru, Ekonomsko-poslovna fak.
Pages:	42 str., 7 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;computer science and technology;computing;data processing;računalniška znanost in tehnologija;računalništvo;obdelava podatkov;data;podatki;databases and their structures;podatkovne zbirke in njihove zgradbe;social sciences;družbene vede;economics;economic science;ekonomija;ekonomske vede;finance;finance;money;monetary system;banking;stock exchanges;denar;monetarni sistem;bančništvo;borzništvo;
ID:	8761909