The project in five facts.
Challenge, approach and results.
The economy needs small investors, as the direct participation of investors in the capital market means faster economic development. The capital market thus acquires funds that are essential for the economy. However, despite the increasingly developed financial market, Slovenian investors are classified amongst the more ** conservative investors**, as their savings are still mostly invested in bank deposits, which is indeed a safe financial investment, but the least profitable one.
Problem
The economy needs small investors, as the direct participation of investors in the capital market means faster economic development. The capital market thus acquires funds that are essential for the economy. The Slovenian population, like the population of transition countries, lived for many years in a system that ** did not allow investment** in securities.
Almost the only possibility for enhancing savings in financial investments were low-yield bank deposits and rare insurance products. Furthermore, the system provided no incentives for personal financial discipline and responsibility. Slovenians therefore attributed relatively little importance to decisions about saving and investment.
The development of the Slovenian financial market and capital market has brought fundamental changes to the saving habits of Slovenians. A diverse range of investment forms has been offered, in which we can invest our savings. This is simultaneously a challenge for the investor to enhance their assets more wisely and more profitably.
Solution and Method
However, despite the increasingly developed financial market, Slovenian investors are classified amongst the more conservative investors, as their savings are still mostly invested in bank deposits, which is indeed a safe financial investment, but the least profitable one. The main reasons for this are certainly the ** lack of knowledge** about the functioning of the financial system in Slovenia and familiarity with investment forms, unfounded fear of the new, unknown and untested, bad experiences from the past, lack of time, lack of proper information, and excessively low living standards.
There are many reasons and each is individual. Therefore, it is necessary to help Slovenian citizens develop personal financial discipline and acquire appropriate financial knowledge.
Module, programme and stories.
Your diploma project for a real company.
A diploma thesis at Academia solves a challenge from a company – often the one where you do your 800 hours of placement. Read about the Računovodstvo module or book a consultation.