ANALYSIS OF IMPACT OF COVID 19 ON PERSONAL EXPENDITURE

U većini razvijenih zemalja osobna potrošnja je najveći makroekonomski agregat s udjelom preko 60% u bruto domaćem proizvodu. Potrošnja kućanstava specifična je sastavnica bruto domaćeg proizvoda koja s jedne strane multiplikativno utječe na gospodarska kretanja, a s druge strane je visoko ovisna o gospodarskim kretanjima i određena raspoloživim dohotkom. Nadalje, nužno je razumjeti korelaciju potrošnje s drugim varijablama i formiranje potražnje za dobrima i uslugama kako bi se dobila jasnija slika u oscilacijama osobne potrošnje. Visoka ovisnost osobne potrošnje kao sastavnice s ostalim makroekonomskim varijablama izložena je negativnim gospodarskim kretanjima. Potrošačke navike se teško mijenjaju, tako za vrijeme kriza prvenstveno dolazi do promjena u neplaniranim i nepotrebnim izdacima. Potrošačku košaricu u najvećem dijelu čine dobra i usluge potrebna za zadovoljenja egzistencijalnih potreba, dok se potrošnja svih drugih vrsta dobara i usluga smanjuje. COVID-19 je varijabla koja ima znatan negativni učinak na osobnu potrošnju te se pretpostavlja da će u budućnosti taj učinak biti još izraženiji.In most developed countries, personal consumption is the largest macroeconomic aggregate with a share of over 60% of gross domestic product. Household consumption is a specific component of a gross domestic product that, on the one hand, has a multiplier effect on economic trends, and on the other hand, is highly dependent on economic trends and determined by disposable income. Furthermore, it is necessary to understand the correlation of consumption with other variables and the formation of demand for goods and services, to get a clearer picture in the oscillations of personal consumption. The high dependence of personal consumption as a component with other macroeconomic variables is exposed to negative economic trends. Consumer habits are difficult to change, so during a crisis, the correction of unplanned and unnecessary expenditures is primarily influenced. The consumer basket is mostly made up of goods and services needed to meet existential needs, while the consumption of all other types of goods and services is declining. COVID-19 is a variable that has a significant negative effect on personal consumption and it is presumed that in the future this effect will be even more emphasized