RENEWAL OF THE PROCESS OF OBTAINING A HOUSING LOAN

poslovnem svetu je za uspešno poslovanje ključnega pomena prilagajanje hitrim spremembam in inovacijam, ki so posledica svetovne globalizacije. Da bi sodobne organizacije sledile spremembam, ki jih nalagajo družba in trg, na katerem organizacija deluje, se na to odzovejo s prenovo poslovnih procesov. Pridobitev kredita je tudi poslovni proces, za katerega se odloča čedalje več posameznikov. Preden se odločimo za kredit, vsak posameznik preuči ponudbe in se odloči za najboljšo. Prav zaradi velikih ponudb oziroma konkurence na trgu si banke prizadevajo izboljšati poslovne procese in poslovanje, s tem pa tudi postati najugodnejši ponudnik kreditojemalcem. Namen diplomskega dela je predstaviti proces pridobitve stanovanjskega kredita, njegove slabosti in prenovo ter pozitivne učinke prenove procesa na organizacijo in njeno delovanje. Za lažje razumevanje poslovnega procesa v diplomskem delu predstavim teoretično podlago, opišem izbrano organizacijo, nato pa še v zadnjem delu predstavim obstoječi in prenovljeni postopek. Prenovo procesa sem izvedla v programu iGrafx, v katerem sem s pomočjo simulacij ugotovila slabosti in dokazala, da postopek lahko poteka hitrejše kot že obstoječi.In business, adapting to rapid changes and innovations that are consequences of globalization is of essential importance for successful performance. In order to follow the changes dictated by the society and the market, organizations today respond to this development with reforming their business processes. Granting credit is one of the business processes that is chosen frequently and by an increasing number of individuals. Before deciding, one studies the offers available and selects the best option for obtaining credit. Precisely because of numerous alternatives or rather strong competition on the market, banks strive for improvement of business processes and business in general. Consequently, they also try to become the most favourable provider of credit-related services. The aim of the thesis is to present the process of getting a mortgage, its disadvantages and its reformation, including the positive effects of this revised process for the organization and its performance. For easier understanding, the thesis first explains the theoretical basis of the process, describes the chosen organization and finally presents the existing and the renewed procedure. The reformation of the process was done in iGrafx, where simulations helped discover weaknesses and prove that the procedure can be faster than the existing one