{"id":267212,"date":"2026-09-15T09:06:52","date_gmt":"2026-09-15T08:06:52","guid":{"rendered":"https:\/\/effectus.com.hr\/zapocela-edukacija-druge-generacije-polaznika-programa-osnove-financijske-pismenosti-i-savjetovanje-potrosaca-u-riziku-prezaduzenosti\/"},"modified":"2026-09-15T10:12:53","modified_gmt":"2026-09-15T09:12:53","slug":"zapocela-edukacija-druge-generacije-polaznika-programa-osnove-financijske-pismenosti-i-savjetovanje-potrosaca-u-riziku-prezaduzenosti","status":"publish","type":"post","link":"https:\/\/effectus.com.hr\/en\/zapocela-edukacija-druge-generacije-polaznika-programa-osnove-financijske-pismenosti-i-savjetovanje-potrosaca-u-riziku-prezaduzenosti\/","title":{"rendered":"Training Begins for the Second Cohort of the \u201cFundamentals of Financial Literacy and Counselling for Consumers at Risk of Over-Indebtedness\u201d Programme"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; disabled_on=&#8221;off|off|off&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#777a7e&#8221; background_image=&#8221;https:\/\/effectus.com.hr\/wp-content\/uploads\/2021\/09\/shutterstock_1896527446-Copy.jpg&#8221; z_index=&#8221;99999999&#8243; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;-50px||-25px||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;20px||20px||true|false&#8221; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; module_class=&#8221;eff-novosti&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;2_3,1_3&#8243; _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|25px|||false|false&#8221; border_width_right=&#8221;1px&#8221; border_color_right=&#8221;#cccccc&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_post_title meta=&#8221;off&#8221; featured_image=&#8221;off&#8221; admin_label=&#8221;Naslov&#8221; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; title_text_color=&#8221;#333333&#8243; title_line_height=&#8221;1.5em&#8221; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_post_title][et_pb_text _builder_version=&#8221;4.27.8&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p class=\"isSelectedEnd\">On <strong>9 September 2026<\/strong>, the training programme for the second cohort of participants in the <strong>\u201cFundamentals of Financial Literacy and Counselling for Consumers at Risk of Over-Indebtedness\u201d<\/strong> programme commenced.<\/p>\n<p class=\"isSelectedEnd\">This year, the programme is attended by <strong>21 participants<\/strong>, who will have the opportunity to develop their knowledge and practical skills in the areas of financial literacy and counselling for consumers at risk of over-indebtedness through <strong>64 hours of training<\/strong>.<\/p>\n<p class=\"isSelectedEnd\">Throughout the programme, participants will explore key topics such as personal and household financial management, household budget analysis, assessment of credit exposure, understanding banking products and credit agreements, and consumer rights protection.<\/p>\n<p class=\"isSelectedEnd\">Particular emphasis is placed on identifying the risks of over-indebtedness and developing the competencies required to provide high-quality counselling and formulate recommendations for reducing and restructuring debt.<\/p>\n<p class=\"isSelectedEnd\">The launch of the new cohort underscores the importance of continued investment in financial literacy and the development of professional competencies that can contribute to greater financial security for individuals and households.<\/p>\n<p><strong>We wish all participants a successful start to the programme, plenty of new knowledge, and every success in completing their training!<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_image src=&#8221;https:\/\/effectus.com.hr\/wp-content\/uploads\/2026\/09\/64931304-b228-4e6d-bb11-9666439df324.jpg&#8221; title_text=&#8221;64931304-b228-4e6d-bb11-9666439df324&#8243; _builder_version=&#8221;4.27.8&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|700|||||||&#8221; text_font_size=&#8221;23px&#8221; width=&#8221;91%&#8221; custom_margin=&#8221;||14px|||&#8221; custom_padding=&#8221;||15px||false|false&#8221; border_width_bottom=&#8221;1px&#8221; border_color_bottom=&#8221;#cccccc&#8221; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: left;\">POSTANI NA\u0160 STUDENT<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#0065b3&#8243; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;1.6em&#8221; width=&#8221;91%&#8221; custom_padding=&#8221;||47px|||&#8221; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<pre>Ispuni obrazac i kontaktirat \u0107emo te za vi\u0161e informacija<\/p>\n<p>\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f221-o1\" lang=\"hr\" dir=\"ltr\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/en\/wp-json\/wp\/v2\/posts\/267212#wpcf7-f221-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Kontakt obrazac\" novalidate=\"novalidate\" data-status=\"init\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"221\" \/>\n<input type=\"hidden\" name=\"_wpcf7_version\" value=\"5.9.4\" \/>\n<input type=\"hidden\" name=\"_wpcf7_locale\" value=\"hr\" \/>\n<input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f221-o1\" \/>\n<input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/>\n<input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/div>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Ime i prezime\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span>\n<\/p>\n<p><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Email\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span>\n<\/p>\n<p><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"text-625\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text\" aria-invalid=\"false\" placeholder=\"Telefon\" value=\"\" type=\"text\" name=\"text-625\" \/><\/span>\n<\/p>\n<p><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-message\"><textarea cols=\"40\" rows=\"10\" class=\"wpcf7-form-control wpcf7-textarea\" aria-invalid=\"false\" placeholder=\"Poruka\" name=\"your-message\"><\/textarea><\/span>\n<\/p>\n<p>Predajom\/slanjem ove prijave dajem svoju suglasnost EFFECTUS da u njoj navedene osobne podatke prikuplja, obra\u0111uje i pohranjuje u svrhu provedbe predmetne prijave, upisa na studij, u svrhu kontaktiranja, u svrhu sklapanja ugovora. Potvr\u0111ujem da sam prije slanja prijave upoznat\/a sa svojim pravima i ostalim postupanjima u odnosu na prikupljanje, obradu, objavu i pohranu mojih osobnih podataka u predmetne svrhe, kao i sa upravljanje privolama, te da \u0107e biti za\u0161ti\u0107eni od pristupa neovla\u0161tenih osoba, te pohranjeni na sigurno mjesto i \u010duvani u skladu s uvjetima i rokovima predvi\u0111enim zakonskim propisima, aktima i odlukama EFFECTUS-a. Potvr\u0111ujem da sam upoznat\/a da svoja prava i postupanja u odnosu na moje osobne podatke mogu vidjeti i na web stranici <a href=\"https:\/\/effectus.com.hr\/politika-privatnosti\/\">https:\/\/effectus.com.hr\/politika-privatnosti\/.<\/a>\n<\/p>\n<p>\n<span class=\"wpcf7-form-control-wrap recaptcha\" data-name=\"recaptcha\"><span data-sitekey=\"6LdUiQYqAAAAAFL9ow_BRLvXuhg1V3tSJnNxSHc_\" class=\"wpcf7-form-control wpcf7-recaptcha g-recaptcha\"><\/span>\r\n<noscript>\r\n\t<div class=\"grecaptcha-noscript\">\r\n\t\t<iframe loading=\"lazy\" src=\"https:\/\/www.google.com\/recaptcha\/api\/fallback?k=6LdUiQYqAAAAAFL9ow_BRLvXuhg1V3tSJnNxSHc_\" frameborder=\"0\" scrolling=\"no\" width=\"310\" height=\"430\">\r\n\t\t<\/iframe>\r\n\t\t<textarea name=\"g-recaptcha-response\" rows=\"3\" cols=\"40\" placeholder=\"reCaptcha Response Here\">\r\n\t\t<\/textarea>\r\n\t<\/div>\r\n<\/noscript>\r\n<\/span>\n<\/p>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Po\u0161alji\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/pre>\n<p>[\/et_pb_text][et_pb_sidebar area=&#8221;et_pb_widget_area_1&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||75px||false|false&#8221; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_sidebar][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|700|||||||&#8221; text_font_size=&#8221;23px&#8221; width=&#8221;91%&#8221; custom_margin=&#8221;||14px|||&#8221; custom_padding=&#8221;||15px||false|false&#8221; border_width_bottom=&#8221;1px&#8221; border_color_bottom=&#8221;#cccccc&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>PRATI NAS<\/p>\n<p>[\/et_pb_text][et_pb_social_media_follow _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_social_media_follow_network social_network=&#8221;facebook&#8221; url=&#8221;https:\/\/www.facebook.com\/effectus.studij\/&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#3b5998&#8243; global_colors_info=&#8221;{}&#8221; follow_button=&#8221;off&#8221; url_new_window=&#8221;on&#8221;]facebook[\/et_pb_social_media_follow_network][et_pb_social_media_follow_network social_network=&#8221;instagram&#8221; url=&#8221;https:\/\/www.instagram.com\/effectus.poduzetnicki.studiji\/&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#ea2c59&#8243; global_colors_info=&#8221;{}&#8221; follow_button=&#8221;off&#8221; url_new_window=&#8221;on&#8221;]instagram[\/et_pb_social_media_follow_network][et_pb_social_media_follow_network social_network=&#8221;linkedin&#8221; url=&#8221;https:\/\/hr.linkedin.com\/school\/effectus-university-college-for-law-and-finance\/&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#007bb6&#8243; global_colors_info=&#8221;{}&#8221; follow_button=&#8221;off&#8221; url_new_window=&#8221;on&#8221;]linkedin[\/et_pb_social_media_follow_network][et_pb_social_media_follow_network social_network=&#8221;youtube&#8221; url=&#8221;https:\/\/www.youtube.com\/user\/EFFECTUSTV&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#a82400&#8243; global_colors_info=&#8221;{}&#8221; follow_button=&#8221;off&#8221; url_new_window=&#8221;on&#8221;]youtube[\/et_pb_social_media_follow_network][\/et_pb_social_media_follow][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>On 9 September 2026, the training programme for the second cohort of participants in the \u201cFundamentals of Financial Literacy and Counselling for Consumers at Risk of Over-Indebtedness\u201d programme commenced. This year, the programme is attended by 21 participants, who will have the opportunity to develop their knowledge and practical skills in the areas of financial [&hellip;]<\/p>\n","protected":false},"author":14,"featured_media":267209,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[71,70,41],"tags":[],"class_list":["post-267212","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-en","category-novost-eng","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Training Begins for the Second Cohort of the \u201cFundamentals of Financial Literacy and Counselling for Consumers at Risk of Over-Indebtedness\u201d Programme - EFFECTUS veleu\u010dili\u0161te<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/effectus.com.hr\/en\/zapocela-edukacija-druge-generacije-polaznika-programa-osnove-financijske-pismenosti-i-savjetovanje-potrosaca-u-riziku-prezaduzenosti\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Training Begins for the Second Cohort of the \u201cFundamentals of Financial Literacy and Counselling for Consumers at Risk of Over-Indebtedness\u201d Programme - EFFECTUS veleu\u010dili\u0161te\" \/>\n<meta property=\"og:description\" content=\"On 9 September 2026, the training programme for the second cohort of participants in the \u201cFundamentals of Financial Literacy and Counselling for Consumers at Risk of Over-Indebtedness\u201d programme commenced. 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