Suzbijanje siromaštva u trećoj životnoj dobi privatnim mirovinskim osiguranjem

master's thesis

• Title (english): Preventing poverty in the third age by private pension insurance
• Author: Mija Baketarić
• Mentor: Maja Mihelja Žaja (mentor)
• Committee member: Dajana Barbić (predsjednik povjerenstva)
• Committee member: Hrvoje Šimović (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2019-09-24, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Mirovinsko osiguranje dio je socijalnog osiguranja, a samim time i sastavnica socijalne sigurnosti kojom se nastoji izbjeći ili umanjiti socijalne rizike te ostvariti socijalnu pravdu i solidarnost. Jedan od značajnih rizičnih čimbenika koji građane dovodi u siromaštvo čine niske mirovine. Naime, Republika Hrvatska nalazi se na petom mjestu kad je u pitanju stopa rizika od siromaštva umirovljenika, a na području Europske unije čak je jedan od sedam umirovljenika u riziku od siromaštva. Stoga, može se reći da je siromaštvo u Europskoj uniji stvaran problem. Budući da siromaštvo ugrožava održivi ekonomski razvoj, a uzevši u obzir da skupinu koja je najizloženija riziku od siromaštva čine stariji od 65 godina, postavlja se pitanje pronalaska rješenja u privatnom mirovinskom osiguranju. O važnosti poticanja privatnog mirovinskog osiguranja svjedoči njegov povoljan utjecaj na razvoj financijskog tržišta i štednju stanovništva. Stoga, države takav oblik štednje najčešće potiču poreznim olašicama. U privatnom osiguranju mnogo je izraženija povezanost uplaćenih doprinosa osiguranika, rizika i usluga osiguranja, a može se reći da razvijenost privatnog mirovinskog osiguranja govori i o razvijenosti pojedine države.

Abstract (english)

Pension insurance is a part of social insurance, and therefore a component of social safety which seeks to avoid or reduce social risks and achieve social justice and solidarity. One of the most important risk factors that puts citizens in poverty are low pensions. Precisely, Croatia is in the fifth place when it comes to the risk of poverty rate for pensioners, and in the European union one of the seven pensioners is at risk of poverty. It can be said that poverty in the European union is a real problem. Taking into cosideration the fact that poverty threatens sustainable economic development, and considering that the group that is at the highest risk of poverty are older that 65 years, raises the question of finding a solution in private pension insurance. Promoting private pension insurance is important because of its positive impact on the development of the financial market and the savings of the population. Therefore, most countries support private pension insurace by tax reliefs. In private pension insurace the link between paid contributions, risks and insurance services is much more evident, and it can be said that the development of a private pension insurace indicates the development of a country.

• Keywords: mirovinsko osiguranje; siromaštvo; rizik od siromaštva; privatno mirovinsko osiguranje
• Keywords (english): pension insurance; poverty; risk of poverty; private pension insurance
• Language: croatian
• URN:NBN: urn:nbn:hr:148:760590
• Study programme: Title: Business Economics; Study programme type: university; Study level: graduate; Academic / professional title: magistar/magistra ekonomije (magistar/magistra ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Access restricted to students and staff of home institution
• Repository: REPEFZG
• Created on: 2019-09-26 13:49:44