Stanje kreditnih dužnika i fenomen dužničkog ropstva u Hrvatskoj

master's thesis

• Title (english): The conditoion of Bank loan debtors and the phenomenon of debt slavery in Croatia
• Author: Dora Črček Varga
• Mentor: Dario Pavić (mentor)
• Committee member: Renato Matić (predsjednik povjerenstva)
• Committee member: Anita Dremel (član povjerenstva)
• Committee member: Dario Pavić (član povjerenstva)
• Granter: University of Zagreb; Faculty of Croatian Studies; (Department of Sociology); Zagreb
• Defense date and country: 2016-06-28, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Sociology

Abstract

Cilj istraživanja jest istražiti stanje kreditnih dužnika, njihovu percepciju o vlastitom životu nakon ulaska u kreditni odnos, životni standard, utjecaj kredita na zdravlje sudionika te metodom opažanja dobiti uvid u situaciju sudionika koji su uslijed kreditnog zaduženja suočeni s deložacijom. Istraživanje je provedeno na 6 sudionika, od kojih 5 ima stambeni kredit sa valutnom klauzulom u švicarskim francima, a jedan sudionik ima ovrhu nad nekretninom nakon koje je uslijedila i deložacija. Podaci su prikupljeni individualno, intervjuom licem u lice i metodom opažanja deložacije deveteročlane obitelji. Rezultati istraživanja pokazuju da se povećanjem tečaja valute švicarskog franka povećava i financijsko opterećenje dužnika, a rate kredita iz mjeseca u mjesec postaju izvorom financijskih problema i stresa te ostavljaju posljedice na psihičko i fizičko zdravlje ljudi. Većina ispitanika suočena je sa značajnim padom životnog standarda i kvalitete života te su uslijed toga izvrgnuti stresu i strahu od budućnosti. Analiza dobivenih rezultata metodom opažanja deložacije i intervjua s jednim članom obitelji pokazuje da je deložacija stresan događaj za nositelje kredita i njegovu obitelj. Deložirana obitelj smješta se u najranjiviju skupinu građana kojima je jedina stambena nekretnina pod ovrhom, a deložacijom im je nanesena teško nadoknadiva šteta koja se pored financijskih očituje u zdravstvenim, emotivnim i ekonomskim posljedicama.

Abstract (english)

The aim of the study is to explore condition of loan debtors, their perception about their own life after entering the loan relationship and the effect of credit debt on life standard, health and perception about their own future and to get by the method of observations the insight into situation of the participants who have been confronted with the eviction. The study was conducted on 6 participants, 5 of which have household loans denominated in Swiss francs. The data was colleceted individually, by a face to face interview and by observing the eviction of nine-family members. The findings of the study showed that the increase in exchange rate in Swiss franc increases the financial burden of the debtor, and the loan rate from one month to another becomes the source of financial problems and stress and leaves consequences on mental and physical health. Most respondents are faced with a significant decline in the standard of living and quality of life, and due to that they are consequentley subjected to stress and fear of the future. Analysis of the results obtained by the method of observing the evictions and interview with one family member shows that the eviction is stressful event for credit holder and his family. Evicted family is placed in the most vulnerable group of citizens with the only residental real estate under foreclosure, and the evicition caused the damage that cannot be compensated and that damage is manifasted in financial, health, emotional and economic consequences.

• Keywords: dužničko ropstvo; stambeni krediti u CHF; prezaduženost; ovrha na nekretnini; deložacija
• Keywords (english): debt slavery; housing loans in Swiss francs; overindebtedness; foreclosure on the property; eviction
• Language: croatian
• URN:NBN: urn:nbn:hr:111:890160
• Study programme: Title: Department of Sociology; Study programme type: university; Study level: graduate; Academic / professional title: magistar/magistra sociologije (magistar/magistra sociologije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Access restricted to students and staff of home institution
• Created on: 2016-07-19 07:55:02