{"?xml":{"@version":"1.0"},"edm:RDF":{"@xmlns:dc":"http://purl.org/dc/elements/1.1/","@xmlns:edm":"http://www.europeana.eu/schemas/edm/","@xmlns:wgs84_pos":"http://www.w3.org/2003/01/geo/wgs84_pos","@xmlns:foaf":"http://xmlns.com/foaf/0.1/","@xmlns:rdaGr2":"http://rdvocab.info/ElementsGr2","@xmlns:oai":"http://www.openarchives.org/OAI/2.0/","@xmlns:owl":"http://www.w3.org/2002/07/owl#","@xmlns:rdf":"http://www.w3.org/1999/02/22-rdf-syntax-ns#","@xmlns:ore":"http://www.openarchives.org/ore/terms/","@xmlns:skos":"http://www.w3.org/2004/02/skos/core#","@xmlns:dcterms":"http://purl.org/dc/terms/","edm:WebResource":[{"@rdf:about":"http://www.dlib.si/stream/URN:NBN:SI:doc-4MIY3R8E/3e37cc3c-6ef9-4bab-9128-84f5c9f3b5be/PDF","dcterms:extent":"301 KB"},{"@rdf:about":"http://www.dlib.si/stream/URN:NBN:SI:doc-4MIY3R8E/b3637665-293d-48d1-a4df-af45ce6a4a4f/TEXT","dcterms:extent":"115 KB"}],"edm:TimeSpan":{"@rdf:about":"2013-2026","edm:begin":{"@xml:lang":"en","#text":"2013"},"edm:end":{"@xml:lang":"en","#text":"2026"}},"edm:ProvidedCHO":{"@rdf:about":"URN:NBN:SI:doc-4MIY3R8E","dcterms:isPartOf":[{"@rdf:resource":"https://www.dlib.si/details/URN:NBN:SI:spr-2XUGOISV"},{"@xml:lang":"sl","#text":"Podjetje in delo"}],"dcterms:issued":"2026","dc:creator":"Sladič, Jorg","dc:format":[{"@xml:lang":"sl","#text":"številka:3/4"},{"@xml:lang":"sl","#text":"letnik:52"},{"@xml:lang":"sl","#text":"str. 495-533"}],"dc:identifier":["ISSN:0353-6521","COBISSID_HOST:285546499","URN:URN:NBN:SI:doc-4MIY3R8E"],"dc:language":"sl","dc:publisher":[{"@xml:lang":"sl","#text":"Gospodarski vestnik"},{"@xml:lang":"sl","#text":"Inštitut za delo pri Pravni fakulteti"},{"@xml:lang":"sl","#text":"Zveza Društev pravnikov v gospodarstvu Slovenije"}],"dc:subject":[{"@xml:lang":"en","#text":"consumer credits in foreign currency"},{"@xml:lang":"sl","#text":"dobra vera"},{"@xml:lang":"en","#text":"EU law"},{"@xml:lang":"en","#text":"good faith"},{"@xml:lang":"sl","#text":"nepošteni pogodbeni pogoji"},{"@xml:lang":"sl","#text":"neupravičena obogatitev"},{"@xml:lang":"sl","#text":"ničnost"},{"@xml:lang":"sl","#text":"potrošniški krediti v tuji valuti"},{"@xml:lang":"sl","#text":"pravo EU"},{"@xml:lang":"en","#text":"status of consumer"},{"@xml:lang":"sl","#text":"status potrošnika"},{"@xml:lang":"en","#text":"unfair contractual terms"},{"@xml:lang":"en","#text":"unjust enrichment"},{"@xml:lang":"en","#text":"voidness"}],"dcterms:temporal":{"@rdf:resource":"2013-2026"},"dc:title":{"@xml:lang":"sl","#text":"Izbrani vidiki razlage Direktive 93/13| od zastaranja do neupravičene obogatitve|"},"dc:description":[{"@xml:lang":"sl","#text":"The paper deals with newer case-law of the Court of Justice of the EU on consumer credit indexed in foreign currency. between 2020-2025. It analyses the issue of breach of good faith, as there is a distinction in that regard between the Directive 93/13 and the Slovenian Law on Consumer Protection. The difference between the main subject matter of the contract and other contractual terms is that currency and exchange risk clauses are the main subject matter of the contract. Voidndess results in unjust enrichment (condictio indebiti). In that regard, the consumer’s situation is straightforward and banks are limited in their claims for unjust enrichment, since tehy does not have the right to claim compensation from the consumer in excess of the repayment of the capital paid out to the consumer and where appropriate, the payment of default interest"},{"@xml:lang":"sl","#text":"Prispevek obravnava razvoj sodne prakse Sodišča EU glede potrošniških kreditov, ki so indeksirani v tuji valuti med letoma 2020 in 2025. Pri tem analizira vprašanje kršitve dobre vere, ker obstaja glede tega razlika med Direktivo 93/13 in slovenskim zakonom o varstvu potrošnikov. Iz razlike med glavnim predmetom pogodbe in drugimi pogodbenimi pogoji izhaja, da so valutne klavzule in klavzule o tečajnem tveganju glavni predmet pogodbe, za katere pa velja preskus nepreglednosti. Posledica ničnosti je neupravičena obogatitev (kondikcija). Glede tega je položaj potrošnika enostaven, banke pa so zelo omejene s kondikcijami, saj nimajo pravice, da od potrošnika zahtevajo nadomestilo, ki presega vračilo kapitala, izplačanega iz naslova izpolnitve te pogodbe, in po potrebi plačilo zamudnih obresti. Članek analizira tudi vpliv Direktive 93/13 na civilne postopke v sporih s potrošniki"}],"edm:type":"TEXT","dc:type":[{"@xml:lang":"sl","#text":"znanstveno časopisje"},{"@xml:lang":"en","#text":"journals"},{"@rdf:resource":"http://www.wikidata.org/entity/Q361785"}]},"ore:Aggregation":{"@rdf:about":"http://www.dlib.si/?URN=URN:NBN:SI:doc-4MIY3R8E","edm:aggregatedCHO":{"@rdf:resource":"URN:NBN:SI:doc-4MIY3R8E"},"edm:isShownBy":{"@rdf:resource":"http://www.dlib.si/stream/URN:NBN:SI:doc-4MIY3R8E/3e37cc3c-6ef9-4bab-9128-84f5c9f3b5be/PDF"},"edm:rights":{"@rdf:resource":"http://rightsstatements.org/vocab/InC/1.0/"},"edm:provider":"Slovenian National E-content Aggregator","edm:dataProvider":{"@xml:lang":"en","#text":"National and University Library of Slovenia"},"edm:object":{"@rdf:resource":"http://www.dlib.si/streamdb/URN:NBN:SI:doc-4MIY3R8E/maxi/edm"},"edm:isShownAt":{"@rdf:resource":"http://www.dlib.si/details/URN:NBN:SI:doc-4MIY3R8E"}}}}