Publication:
Croatia : Diagnostic Review of Consumer Protection and Financial Literacy, Volume 2. Comparison against Good Practices

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dc.contributor.authorWorld Bank
dc.date.accessioned2014-06-04T21:28:49Z
dc.date.available2014-06-04T21:28:49Z
dc.date.issued2010-02
dc.description.abstractAs financial markets develop and deepen, one of the key issues for a fair, open and efficient market is effective consumer protection and financial literacy. The European Union takes the approach that an effective regime of financial consumer protection should allow consumers to have access to: sufficient information to make informed decisions about their financial choices; cost-effective recourse mechanisms to redress violations of financial service contracts; and programs of consumer education and financial literacy that empower them to understand their financial rights and obligations. This review has found that the quality of consumer protection in financial services in Croatia has improved in recent years. In particular, the approval of the 2007 Consumer Protection Act incorporated many of the EU Directives related to financial consumer protection. In addition, the National Council on Consumer Protection was established in 2008 to advise the Government on its national strategy for consumer protection in the coming years. A nation-wide baseline survey of financial literacy would provide useful information in designing programs in financial education and consumer awareness. As pioneered in the United Kingdom, financial literacy surveys can identify which part of the population is most vulnerable to financial abuse. The baseline survey should be segmented by age, gender, geographic area, household income, and formal education. After a period of three to five years, a follow-up survey could be done to evaluate the effectiveness of the programs of financial education and consumer awareness.en
dc.identifierhttp://documents.worldbank.org/curated/en/2010/02/16376854/croatia-diagnostic-review-consumer-protection-financial-literacy-vol-2-2
dc.identifier.doi10.1596/18474
dc.identifier.urihttps://hdl.handle.net/10986/18474
dc.languageEnglish
dc.language.isoen_US
dc.publisherWashington, DC
dc.rightsCC BY 3.0 IGO
dc.rights.urihttp://creativecommons.org/licenses/by/3.0/igo/
dc.subjectACCESSIBILITY
dc.subjectACCRUALS
dc.subjectADVERTISEMENT
dc.subjectADVERTISEMENTS
dc.subjectAFFORDABILITY
dc.subjectALTERNATIVE FINANCING
dc.subjectANNUAL INTEREST RATE
dc.subjectANTI-MONEY LAUNDERING
dc.subjectATM
dc.subjectATM CARDS
dc.subjectBANK ACCOUNT
dc.subjectBANK CHARGES
dc.subjectBANK CREDIT
dc.subjectBANK CUSTOMERS
dc.subjectBANK DEPOSITS
dc.subjectBANK OFFICIALS
dc.subjectBANK PRODUCTS
dc.subjectBANKERS ASSOCIATIONS
dc.subjectBANKING ASSOCIATIONS
dc.subjectBANKING CUSTOMERS
dc.subjectBANKING PRACTICES
dc.subjectBANKING PRODUCTS
dc.subjectBANKING SECTOR
dc.subjectBANKING SERVICES
dc.subjectBANKING SYSTEM
dc.subjectBANKING SYSTEMS
dc.subjectBANKS
dc.subjectBEST PRACTICES
dc.subjectBIG BANKS
dc.subjectBORROWER
dc.subjectBROCHURE
dc.subjectBROCHURES
dc.subjectBUSINESS ACTIVITIES
dc.subjectBUSINESS ASSOCIATIONS
dc.subjectCALCULATION
dc.subjectCAPITAL MARKET
dc.subjectCHECKS
dc.subjectCOLLATERAL
dc.subjectCOMMERCIAL BANKS
dc.subjectCOMPOUND INTEREST
dc.subjectCONFLICT OF INTERESTS
dc.subjectCONSUMER
dc.subjectCONSUMER COMPLAINTS
dc.subjectCONSUMER CONFIDENCE
dc.subjectCONSUMER COUNSELING
dc.subjectCONSUMER CREDIT
dc.subjectCONSUMER INFORMATION
dc.subjectCONSUMER ISSUES
dc.subjectCONSUMER LITERACY
dc.subjectCONSUMER PROTECTION
dc.subjectCONSUMERS
dc.subjectCONSUMERS ASSOCIATIONS
dc.subjectCOST OF CREDIT
dc.subjectCOURT SETTLEMENT
dc.subjectCREDIT BUREAU
dc.subjectCREDIT CARD
dc.subjectCREDIT CARDS
dc.subjectCREDIT EXPANSION
dc.subjectCREDIT INFORMATION
dc.subjectCREDIT INSTITUTION
dc.subjectCREDIT INSTITUTIONS
dc.subjectCREDIT PRODUCTS
dc.subjectCREDIT REPORT
dc.subjectCREDIT RISK
dc.subjectCREDIT UNIONS
dc.subjectCREDITOR
dc.subjectCREDITORS
dc.subjectCREDITS
dc.subjectCREDITWORTHINESS
dc.subjectCROATIAN NATIONAL BANK
dc.subjectCURRENCY
dc.subjectCURRENT ACCOUNT
dc.subjectCURRENT ACCOUNTS
dc.subjectDEBT
dc.subjectDEBT COLLECTION
dc.subjectDEBT COLLECTORS
dc.subjectDEBTOR
dc.subjectDEBTORS
dc.subjectDEBTS
dc.subjectDEPOSIT
dc.subjectDEPOSIT ACCOUNT
dc.subjectDEPOSIT ACCOUNTS
dc.subjectDEPOSIT INSURANCE
dc.subjectDEPOSITOR
dc.subjectDEPOSITS
dc.subjectDISCLOSURE OF INFORMATION
dc.subjectDISPOSABLE INCOME
dc.subjectDOMESTIC CURRENCY
dc.subjectEMPLOYERS
dc.subjectENFORCEMENT AGENCIES
dc.subjectENTREPRENEURSHIP
dc.subjectEXCHANGE RATE
dc.subjectFEE INCOME
dc.subjectFINANCIAL ACTIVITIES
dc.subjectFINANCIAL ARRANGEMENT
dc.subjectFINANCIAL CONSUMER
dc.subjectFINANCIAL CONSUMERS
dc.subjectFINANCIAL CRISIS
dc.subjectFINANCIAL EDUCATION
dc.subjectFINANCIAL INSTITUTION
dc.subjectFINANCIAL INSTITUTIONS
dc.subjectFINANCIAL ISSUES
dc.subjectFINANCIAL LITERACY
dc.subjectFINANCIAL LITERACY PROGRAM
dc.subjectFINANCIAL LITERACY SURVEYS
dc.subjectFINANCIAL MATTERS
dc.subjectFINANCIAL PRODUCTS
dc.subjectFINANCIAL REGULATORS
dc.subjectFINANCIAL SECTOR
dc.subjectFINANCIAL SECTOR DEVELOPMENT
dc.subjectFINANCIAL SERVICE
dc.subjectFINANCIAL SERVICE PROVIDERS
dc.subjectFINANCIAL SERVICES
dc.subjectFINANCIAL SYSTEM
dc.subjectFOREIGN CURRENCY
dc.subjectFOREIGN EXCHANGE
dc.subjectFUND MANAGEMENT
dc.subjectGENERAL PUBLIC
dc.subjectGUARANTOR
dc.subjectHOUSEHOLD DEBT
dc.subjectHOUSEHOLD DEPOSITS
dc.subjectHOUSEHOLD SAVINGS
dc.subjectHOUSING
dc.subjectHOUSING LOANS
dc.subjectINACTIVE ACCOUNTS
dc.subjectINDEBTEDNESS
dc.subjectINFORMATION REQUIREMENTS
dc.subjectINFORMATION SHARING
dc.subjectINFORMATION SYSTEM
dc.subjectINFORMATION TO CONSUMERS
dc.subjectINFORMED DECISION
dc.subjectINSTALLMENTS
dc.subjectINSURANCE
dc.subjectINSURANCE COMPANIES
dc.subjectINSURANCE POLICIES
dc.subjectINSURANCE POLICY
dc.subjectINSURANCE PREMIUMS
dc.subjectINSURANCE SCHEME
dc.subjectINTEREST CHARGES
dc.subjectINTEREST COSTS
dc.subjectINTEREST PAYMENTS
dc.subjectINTEREST RATE
dc.subjectINTEREST RATES
dc.subjectINTERNATIONAL BANK
dc.subjectINTERNATIONAL FINANCIAL CRISIS
dc.subjectINVESTMENT FUND
dc.subjectINVESTMENT FUNDS
dc.subjectINVESTMENT PRODUCTS
dc.subjectLAWS
dc.subjectLEGAL FRAMEWORK
dc.subjectLEGAL PROVISION
dc.subjectLEGAL PROVISIONS
dc.subjectLEGAL RECOURSE
dc.subjectLEGAL REQUIREMENT
dc.subjectLEGAL REQUIREMENTS
dc.subjectLEGISLATION
dc.subjectLIABILITY
dc.subjectLIFE INSURANCE
dc.subjectLIFE INSURANCE PREMIUMS
dc.subjectLINES OF CREDIT
dc.subjectLOAN
dc.subjectLOAN AMOUNT
dc.subjectLOAN CONTRACT
dc.subjectLOAN DEFAULT
dc.subjectLOAN REPAYMENT
dc.subjectMANDATES
dc.subjectMANDATORY PENSION FUNDS
dc.subjectMARKET COMPETITION
dc.subjectMARKET CONCENTRATION
dc.subjectMARKET PARTICIPANTS
dc.subjectMARKET SHARE
dc.subjectMARKET SIZE
dc.subjectMARKETING
dc.subjectMAXIMUM LOAN AMOUNT
dc.subjectMINIMUM BALANCE
dc.subjectMINIMUM PAYMENT
dc.subjectMONIES
dc.subjectMORTGAGE
dc.subjectMORTGAGE LOAN
dc.subjectMORTGAGE LOANS
dc.subjectMORTGAGES
dc.subjectNATIONAL BANK
dc.subjectNOMINAL INTEREST RATE
dc.subjectNOMINAL INTEREST RATES
dc.subjectNONPERFORMING LOANS
dc.subjectONLINE CREDIT
dc.subjectOPERATING INCOME
dc.subjectOPERATING PERMITS
dc.subjectOUTSTANDING BALANCE
dc.subjectOVERDRAFT
dc.subjectOVERDRAFT FACILITIES
dc.subjectOVERDRAFTS
dc.subjectPAYMENT SYSTEM
dc.subjectPAYMENT SYSTEMS
dc.subjectPENSION
dc.subjectPENSION FUNDS
dc.subjectPENSIONS
dc.subjectPERSONAL FINANCE
dc.subjectPERSONAL FINANCES
dc.subjectPORTFOLIO
dc.subjectPREDATORY LENDING
dc.subjectPRESS CONFERENCES
dc.subjectPRIVATE CREDIT
dc.subjectPRIVATE PENSION
dc.subjectPRIVATE PENSION FUNDS
dc.subjectPRUDENTIAL REGULATION
dc.subjectPUBLIC AWARENESS
dc.subjectRATE OF INTEREST
dc.subjectRECAPITALIZATION
dc.subjectREPAYMENT
dc.subjectREPAYMENT PERIODS
dc.subjectRESERVES
dc.subjectRESPONSIBILITIES
dc.subjectSALARY
dc.subjectSALE
dc.subjectSALES
dc.subjectSAVINGS
dc.subjectSAVINGS BANKS
dc.subjectSECURITIES
dc.subjectSHARE OF ASSETS
dc.subjectSTOCK EXCHANGE
dc.subjectTRANSACTION
dc.subjectTYPES OF LOANS
dc.subjectUNION
dc.subjectVARIABLE INTEREST RATES
dc.subjectVULNERABLE CONSUMERS
dc.subjectVULNERABLE GROUPS
dc.titleCroatia : Diagnostic Review of Consumer Protection and Financial Literacy, Volume 2. Comparison against Good Practicesen
dc.title.alternativeDijagnosticki pregled zastite potrosaca i financijske pismenostien
dspace.entity.typePublication
okr.date.disclosure2012-06-14
okr.date.doiregistration2025-05-07T12:27:39.400925Z
okr.doctypeEconomic & Sector Work::Policy Note
okr.doctypeEconomic & Sector Work
okr.docurlhttp://documents.worldbank.org/curated/en/2010/02/16376854/croatia-diagnostic-review-consumer-protection-financial-literacy-vol-2-2
okr.globalpracticeFinance and Markets
okr.globalpracticeTrade and Competitiveness
okr.guid864311468038124601
okr.guid517171468029063791
okr.guid693661468233090193
okr.guid770411468246042976
okr.identifier.externaldocumentum000427087_20120614140421
okr.identifier.internaldocumentum16376854
okr.identifier.report69751
okr.language.supporteden
okr.pdfurlhttp://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2012/06/14/000427087_20120614140421/Rendered/PDF/697510v20ESW0P00Croatia0CPFL0Vol0II.pdfen
okr.region.administrativeEurope and Central Asia
okr.sectorIndustry and trade :: General industry and trade sector
okr.sectorFinance :: General finance sector
okr.themeFinancial and private sector development :: Regulation and competition policy
okr.themeFinancial and private sector development :: Corporate governance
okr.topicBanks and Banking Reform
okr.topicFinance and Financial Sector Development::Debt Markets
okr.topicPrivate Sector Development::Emerging Markets
okr.topicFinance and Financial Sector Development::Financial Literacy
okr.topicFinance and Financial Sector Development::Access to Finance
okr.unitPrivate/Financial Sectors Devt (ECSPF)
okr.volume2 of 2
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