Latvijas Universitātes Sociālo zinātņu fakultātes absolventu studiju un studējošo kredītu atmaksa un to vērtējums
Date
2008
Authors
Ābola, Marta
Journal Title
Journal ISSN
Volume Title
Publisher
Latvijas Universitāte
Abstract
Bakalaura darbs „Latvijas Universitātes Sociālo zinātņu fakultātes absolventu studiju un studējošo kredītu atmaksa un to vērtējums” ir turpinājums jau iepriekš izstrādātajiem kursa darbiem - „Studentu attieksme pret studiju un studējošo kredītiem” un „Studentu zināšanas un attieksme pret studiju un studējošo kredītiem”. Būtiski pēc attieksmes, zināšanu novērtējuma par kredītiem, pievērsties kredītu procesa noslēguma posmam, proti, tā atmaksai. Kredītu atmaksa paredz tā izvērtējumu uzsākot kredītsaistības, apsverot iespējamos riskus kredītu atmaksāšanas laikā. Bakalaura darba mērķis ir noskaidrot Latvijas Universitātes Sociālo zinātņu fakultātes (LU SZF) absolventu kredītņēmēju vērtējumus par studiju laikā izmantoto studiju un/vai studējošo kredītu un to atmaksu.
Lai sasniegtu izvirzīto mērķi, tika izvirzīti šādi uzdevumi:
- Iepazīties ar jēdziena „risks” skaidrojumu, nozīmi;
- Apskatīt riska izvērtējumu lēmumu pieņemšanā;
- Apskatīt racionālās izvēles teoriju;
- Apkopot jaunāko informāciju un statistiku par studiju un studējošo kredītiem;
- Apskatīt citus šai tēmai veltītus pētījums, iepazīties ar to uzdevumiem un pētniecībā pielietotajām metodēm.
Empīriskās informācijas datu vākšanai tika izmantotas kvalitatīvās pētīšanas metodes – intervijas un dokumentu analīze. Balstoties uz pētījuma laikā iegūto informāciju, tā apskatīta sekojošos blokos:1.Kredītsaistību uzsākšanas izvērtējums; 2.Informētība par kredītu atmaksas sistēmu; 3.Kredītu un kredītu atmaksas sistēmas izvērtējums.
Galvenie pētījuma rezultāti parāda, ka respondentu informētība par kredītu atmaksas sistēmu raksturojama kā laba, respondenti atzinīgi vērtē kredītu atmaksas sistēmu, kredītņēmēji atmaksājot kredītus nav saskārušies ar problēmām.
Atslēgvārdi: risks, lēmumu pieņemšana, studiju kredīts, studējošo kredīts, kredītu atmaksa.
Final bachelor thesis “Graduates of University of Latvia the Faculty of Social Sciences student credit repayment and its evaluation” is logical continuation of several previous works “Students attitude towards students and study loans” and „Students knowledge and attitude towards study and students loans”. After evaluation of attitudes towards loans dependent on knowledge, is to focus on final steps of loan taking – their repayment questions. Repayment of loans includes loans evaluation based on evaluation of repayment possibilities and possible repayment risks during repayment period. Aim of this thesis is to research opinions about students and study loans, and its repayment, of graduated students from Latvia’s University Social sciences faculty. In order to reach this aim, following tasks will be performed: - Research definition of „risk” and its meanings; - Research risks evaluation during decision-making; - Overlook rational choice theory; - Summarize updated information and statistics about students and study loans. - Overlook other research papers regarding this thesis, get to know methods used in research. For empirical research methods of quality analyses such as interviews and documents analyses, will be used. Based on the information gathered it will be reviewed in several blocs: 1.Evaluation of starting credit taking; 2.Information level about loan repayment system; 3.Evaluation of loan repayment system. Main results of this thesis paper show, that loan takers have good levels of information about loan repayment system, overall evaluation about loan repayment is evaluated as positive, loan takers have not met problems regarding repayment during loan period. Keywords: risk, decision-making, students loan, study loan, credit repayment.
Final bachelor thesis “Graduates of University of Latvia the Faculty of Social Sciences student credit repayment and its evaluation” is logical continuation of several previous works “Students attitude towards students and study loans” and „Students knowledge and attitude towards study and students loans”. After evaluation of attitudes towards loans dependent on knowledge, is to focus on final steps of loan taking – their repayment questions. Repayment of loans includes loans evaluation based on evaluation of repayment possibilities and possible repayment risks during repayment period. Aim of this thesis is to research opinions about students and study loans, and its repayment, of graduated students from Latvia’s University Social sciences faculty. In order to reach this aim, following tasks will be performed: - Research definition of „risk” and its meanings; - Research risks evaluation during decision-making; - Overlook rational choice theory; - Summarize updated information and statistics about students and study loans. - Overlook other research papers regarding this thesis, get to know methods used in research. For empirical research methods of quality analyses such as interviews and documents analyses, will be used. Based on the information gathered it will be reviewed in several blocs: 1.Evaluation of starting credit taking; 2.Information level about loan repayment system; 3.Evaluation of loan repayment system. Main results of this thesis paper show, that loan takers have good levels of information about loan repayment system, overall evaluation about loan repayment is evaluated as positive, loan takers have not met problems regarding repayment during loan period. Keywords: risk, decision-making, students loan, study loan, credit repayment.
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Socioloģija