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Znanost, tehnika, tehnologija, gospodarstvo - idu li u istom smjeru?

Znanost, tehnika, tehnologija, gospodarstvo - idu li u istom smjeru?

Author(s): Ante Čikić / Language(s): Croatian Issue: 3/2009

The paper discusses the historical technical and technological progress and its impact on the priorities developed in the context of serving its survival, sustainable development and education of the mankind. The major contributions of the scientific, technological and information progress both to the development of the globalisation and to the strengthening of the social and economic values and relations of debatable nature are pointed out. The research results and quantification data show the current status and the operational possibilities of technique and technology, as well as the use of information science and communications in the County’s production sector. Individual sectors are analysed as regards their share in the County’s economy in the last 18 years. The cooperation of domestic and international scientists and experts that has recently been realised with some of the firms in the production sector is presented in the form of a diagram. Based on a characteristic example, the assessment of the level of trust in experts in both the domestic and the international markets is given. It is emphasised how important it is for the Bjelovar-Bilogora County to be able to offer university education, to have a constant increase in the number of students, and to dispose of the professional and scientific potential needed for the strengthening of the production sector. Finally, the manner in which science, technique and technology should work together with the economy of the Bjelovar-Bilogora County is suggested.

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Educational Сomponent of the Forming of Innovative-Integrated Structures in
Ukraine

Educational Сomponent of the Forming of Innovative-Integrated Structures in Ukraine

Author(s): Ilona Tsarenko / Language(s): English Issue: 1 (34)/2018

The role of the educational component in the forming of innovative-integrated structures in Ukraine is researched in the article. It is established that there is a strong relationship between the level of development of higher education institutions and the level of clustering of a certain territory. Some indicators of activity of higher educational institutions of Ukraine are considered. It was emphasized that in Ukraine there is a process of optimizing the network of universities, academies and institutes. A comparative description of the expenditures on the sphere of higher education,the position of the Global Innovation Index and the level of clusterization in the context of the countries of the world and Ukraine is given. The attention is focused on the fact that the level of development of the network of higher education institutions in the regions of Ukraine is related to the level of their innovation activity. The key peculiarities of the transformation of approaches to the educational component in terms of its importance in the forming of innovative-integrated structures are substantiated.

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Банківський сектор як елемент системи протидії легалізації та відмивання доходів, отриманих злочинним шляхом

Банківський сектор як елемент системи протидії легалізації та відмивання доходів, отриманих злочинним шляхом

Author(s): Olha Kotsiurba / Language(s): Ukrainian Issue: 1 (34)/2018

The article notes that the legal basis of the anti-money laundering and laundering system is the law enforcement block and the financial monitoring unit, which includes banking institutions, and defined the role and place of the banking sector in it. Banking institutions are the leaders in the number of reports of dubious financial transactions to the State Financial Monitoring Service, which determines their central role in the counteraction to the legalization and laundering of proceeds from crime.Criminal proceeds in cash form are a result of unlawful activities, while criminal proceeds in non-cash form are obtained because of legitimate activities, in which fraud, theft of budget funds or abuse of official duties were committed. Taking into account the forms of obtaining illegal proceeds, criminals choose different methods and ways of incomes legalization. Thus, cash proceeds are placed in the banking system by intermediaries through the structuring of cash transactions, falsification of documents, the creation of collective accounts, money swaps and other, and cashless by conversion centers through the conclusion of fictitious contracts, the use of schemes with "garbage" securities, services «pseudo-insurance» are transformed into cash.Further, as a rule, in order to break the connection between criminals and the crime, the money is withdrawn abroad and returned to the economy in the legal form.According to the analysis, it was determined that the greatest risks for banking institutions in servicing legal entities are transactions in money transfer, non-equity securities transactions and cash servicing; in the service of individuals - transactions for the transfer of funds, including foreign currency, transactions with bankcards and accounts. Recommendations on the creation of a mechanism for internal control to counteract the legalization of criminal incomes through taking into account recognized intrabank tools "know about the client everything" and "know your employees", will reduce the risks of using the banking sector to legalize the proceeds from crime.

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Конкурентоспроможність випускників в умовах інноваційних трансформацій ринків праці та глобальних викликів

Конкурентоспроможність випускників в умовах інноваційних трансформацій ринків праці та глобальних викликів

Author(s): Anastasiia Salo / Language(s): Ukrainian Issue: 1 (34)/2018

The article is devoted to the analysis of the influence of innovative and global factors on the formation and implementation of competitive advantages in the labor market of graduates of higher educational institutions. The article presents the systematization of scientific ideas about competitiveness in the labor sphere and, in particular, the competitiveness of graduates of higher educational institutions. The scientific works of domestic and foreign scientists about competition, competitiveness of the labor market, development of higher educational institutions and educational services have been used as a theoretical basis of the article. The research uses general scientific and special methods, in particular: analytical – for collecting and generalizing scientific information; abstract and logical – for the analysis and systematization of scientific ideas; tabular – for the systematization of the factors influencing the competitiveness of graduates.The author analyzes the scientific opinions on competitiveness in the labor sphere, identifying differences in the approaches of scientists. The author's approach to determining the essence of the competitiveness of graduates of higher educational institutions has been grounded. For the first time, it is suggested to understand the definition of "competitiveness of graduates of higher educational institutions" as the ability of graduates of higher educational institutions to find better job than graduates of other similar educational institutions, to choose competitive jobs with knowledge and competences gained during the training process, the ability to continuous educational and professional development, labor and professional mobility in the labor market.The author has suggested an approach to systematization of factors influencing the competitiveness of graduates. Factors are united in blocks: innovative, global, nature resources, medical-demographic, social, historical-cultural, psychological, economic, scientific and technical, competitive, organizational-technical, political, law. The attention is focused on the important role of innovative transformations of labor markets and the role of global factors. The indicators of competitiveness of countries according to the development of the system of higher education, indicators of the correspondence of the education system (including higher education) with the requirements of business have been analyzed on the basis of world statistics. The author has analyzed the innovative changes in the structure of employment by professions in Ukraine and certain European countries, which influence the formation of competitive advantages of graduates.

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Relacje rząd rumuński – Cerkiew w kształtowaniu oficjalnej polityki tożsamościowej państwa po 1989 roku

Relacje rząd rumuński – Cerkiew w kształtowaniu oficjalnej polityki tożsamościowej państwa po 1989 roku

Author(s): Jan Wendt,Jan A. Wendt,Alexandru Ilies,Tomasz Wiskulski / Language(s): Polish Issue: 4/2018

Relations between the Romanian government and the Orthodox Church after WorldWar II changed several times with the change of the party’s policy and role of thechurch in socialist Romania. After the persecution and arrests of clergy in the 1960s,the church became a useful tool in promoting Romanianism in Transylvania andBanat, a loyal ally of the communist authorities. After the Romanian revolution(1989), its role in shaping national belonging and national identity in the official onegovernment policy has increased. The aim of the research and analysis carried out isan attempt to indicate the dynamics of changes in clergy vocations and administrativestructures in the Romanian Orthodox Church and to assess the role played by thegovernment-Church relationship in shaping the official identity policy of the state,as well as national identity in the post-revolution period. The work uses statisticaldata presenting changes in the Romanian Church and the report “Religious beliefsand nationality in Central and Eastern Europe” developed by the Pew ResearchCenter based on surveys carried out in 2015–2016.

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FINANCIAL CENTRAL AND REGIONAL RELATIONS WITHIN THE GOVERNMENT ENFORCEMENT IN INDONESIA

FINANCIAL CENTRAL AND REGIONAL RELATIONS WITHIN THE GOVERNMENT ENFORCEMENT IN INDONESIA

Author(s): Muhammad Suhardi,L Husni,RR. Cahyowati / Language(s): English Issue: 2/2019

Indonesia is a unitary state as asserted in Article 1 paragraph (1) of the Constitution of the Republic of Indonesia 1945. As a consequence of this, Indonesia dividing its territory into several regions. This study aims to analyze the form of regulation on financial relations among the central and regional governments, especially those that regulate balance funds to accelerate the equitable distribution of development. Types of normative research with legislative, conceptual, and philosophical approaches were used as the research method. In conclusion, the formulation of balancing funds between the central and regional governments prevailed so far has not yet reflected a sense of justice so that it can obstruct the occurrence of even distribution among regions.

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Borders and Border Cities in Transition: towards a Typology

Borders and Border Cities in Transition: towards a Typology

Author(s): Andrzej Miszczuk,Andrzej Jakubowski / Language(s): English Issue: 1/2019

The objective of the paper is an attempt to develop a typology of border cities. The typology will focus upon geopolitical determinants and their outcomes viewed in static and dynamic terms, all in the theoretical aspect. The synthesis of both approaches enabled 18 possible types of border cities to be isolated. Three of these were discussed in the form of case studies (Cieszyn, Chełm, Przemyśl).

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Convergence of the Standard of Living in Polish NUTS 2 Regions

Convergence of the Standard of Living in Polish NUTS 2 Regions

Author(s): Mieczysław Kowerski,Jarosław Bielak / Language(s): English Issue: 1/2019

The authors of the article made an attempt to verify the hypothesis that in 2006–2016 in Poland there was convergence of the standard of living of residents of voivodships (NUTS 2 regions). The values of the measure of the standard of living calculated by the authors by dynamic development pattern method were used to assess the standard of living in the analyzed period. Beta-convergence was verified by cross-section absolute and conditional spatial models of convergence of SAR and SARAR types. Sigma-convergence was verified by measures of dispersion and concentration of the standard of living in 2006–2016. The calculations made point to occurrence of beta- and sigma-convergence of the standard of living in Polish voivodships. However, the estimated values of index of convergence and yearly average rate of convergence of the standard of living seem to be quite high; in fact, much higher than expected. It may be a consequence of clustering phenomenon, which we probably observed.

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The Management of Border Protection in the European Union on the Example of the Eastern Border of the Republic of Poland

The Management of Border Protection in the European Union on the Example of the Eastern Border of the Republic of Poland

Author(s): Piotr Witkowski / Language(s): English Issue: 1/2019

The aim of the article is to present the synthetic instruments of managing the external protection of the European Union’s borders and to analyze the level of this protection on the example of identified threats. The current status of this problem is determined by successive immigration crises, modifications of actions taken by organized crime in the field of cross-border illegal/irregular movement of people and goods. The management of the external border protection is particularly important in Polish conditions in which the eastern border is the most important part of the land border of the European Union and the Schengen area. The conducted research allows to verify the research thesis that in relation to the eastern border of the Republic of Poland the actions taken by the European Union institutions, national authorities and uniformed formations contributed to the increase of the level of its protection, which at the same time increases the safety of cross-border movement of people and goods.

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Operationalization SECI Model of Knowledge Management by Enterprise Ontology

Operationalization SECI Model of Knowledge Management by Enterprise Ontology

Author(s): Jan Andreasik / Language(s): English Issue: 1/2019

The paper contains the proposition of solving the problem of operationalization of the SECI model of knowledge creation in a new scope — i.e., in relation to knowledge about managing an SME enterprise in conditions of uncertainty. This knowledge includes the assessment of the enterprise in the potential — risk space of operational activity. This problem was solved theoretically by developing the original A–E–AE enterprise ontology and practically by constructing the SOK-P1 system, which was used in the advisory practice for SME sector enterprises in the Lubelskie and Podkarpackie Voivodships.

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Assessment of Economic Security of Regions. The Case of Ukraine

Assessment of Economic Security of Regions. The Case of Ukraine

Author(s): Daria Andriivna Arziantseva,Nataliya Petrivna Zakharkevych / Language(s): English Issue: 1/2019

The authors propose to assess the level of economic security of regions by means of calculating the integral index of security. The proposed approach includes six consecutive steps: definition of the system of indicators affecting the level of economic security of a region; formation of a statistical array of estimated indicators; standardization of estimated indicators; calculation of weighting coefficients for each of the indicator using the expert method; determination of the intermediate and integral index of the level of economic security of a region; interpretation of the results of assessment and rating of regions by level of economic security. The proposed method was developed on the data of Ukrainian regions.

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Компетентността на потребителите на банкови услуги - важна предпоставка за установяване на доверие между тях и банките

Компетентността на потребителите на банкови услуги - важна предпоставка за установяване на доверие между тях и банките

Author(s): Reneta Dimitrova / Language(s): Bulgarian Issue: 1/2017

In the modern world, banking products and services have entered into the lives of people. The global financial crisis and bankruptcy of Corporate Commercial Bank in the summer of 2014 in our country showed many problems in the banking sector globally and in our country. Countries, institutions, citizens and businesses have suffered greater or lesser losses. And the result is - decline in confidence in banks. If those bank customers were more competent, their losses would be significantly smaller. This is a serious problem that needs to be investigated and resolved.

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Фрустрация при използване на програми за клиентска лоялност  - характеристика и възможности за минимизиране

Фрустрация при използване на програми за клиентска лоялност - характеристика и възможности за минимизиране

Author(s): Ivan Boevsky / Language(s): Bulgarian Issue: 1/2017

Customer loyalty and engagement to the brand and/or company becomes an increasing company asset. To keep this situation the enterprises began to use as an important CRM tool a customer loyalty programs. Customer’s frustration of the using of loyalty programs has a negative effect on the customer buying behavior and the organization’s profit. In this paper I highlighted as very important determinants of customer frustration of using customer loyalty programs their concrete design and their type as well as their service.

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Analytical overview on contemporary tendecies in the Bulgarian economy

Analytical overview on contemporary tendecies in the Bulgarian economy

Author(s): Emil Kalchev / Language(s): English,Bulgarian Issue: 1/2017

Customer loyalty and engagement to the brand and/or company becomes an increasing company asset. To keep this situation the enterprises began to use as an important CRM tool a customer loyalty programs. Customer’s frustration of the using of loyalty programs has a negative effect on the customer buying behavior and the organization’s profit. In this paper I highlighted as very important determinants of customer frustration of using customer loyalty programs their concrete design and their type as well as their service.

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Факторингът при малките и средни предприятия в международния бизнес

Факторингът при малките и средни предприятия в международния бизнес

Author(s): Irena Nikolova / Language(s): Bulgarian Issue: 1/2017

There are a lot of opportunities for financing of SMEs in international business which they implement successfully. In recent years the signed contracts for factoring have increased gradually in Bulgaria and in Europe. Two main issues are presented in the paper. Firstly, the definition and the functions of factoring are reviewed and secondly, the role of factoring for SMEs is analyzed.

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CFaR – Алтернатива на VaR при измерване на риска на нефинансова компания

CFaR – Алтернатива на VaR при измерване на риска на нефинансова компания

Author(s): Krasimir Kostenarov / Language(s): Bulgarian Issue: 1/2017

The calculation of the risk of non-financial companies is a complicated process that theoretically and practically lags behind the analogous processes in the financial companies. This article focuses on the VaR as an indicator for determining the risk in financial investments and the problems it faces to apply it to non-financial companies. Then the research is concentrated on the presentation of the CFaR, the difficulties in applying it and the benefits of using it in companies.

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Теоретична рамка при оценяването на акции на публични компании - принципи и методология

Теоретична рамка при оценяването на акции на публични компании - принципи и методология

Author(s): Ralitsa Dimitrova / Language(s): Bulgarian Issue: 1/2017

The article discusses the main theoretical considerations when assessing the value of the share capital of public companies. The principles of business appraisal and the factors that affect the value of the company are discussed. The main approaches to business valuation are presented: asset approach, income approach and market approach. A specific methodology has been proposed to determine the intrinsic value of the stock based on three complementary models: the Discounted Dividend Model, the Residual Income Model, and the Market Multiplier Price/ Book Value of Equity. The methodology is used to determine the value of alternative, corporate and business strategies, to manage the value of the company in relation to large-scale deals such as mergers, acquisitions and emerging markets, and to assess the possibility of attracting additional capital resources.

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Алтернативен подход за определяне цената на капитала: По примера на българските АДСИЦ

Алтернативен подход за определяне цената на капитала: По примера на българските АДСИЦ

Author(s): Nigohos Kanaryan,Nikolay Kolev / Language(s): Bulgarian Issue: 1/2017

The paper is motivated by numerous studies on cost of equity calculation. Empirical test prove that certain CAPM modified models cannot provide correct values of the cost of equity of companies from emerging markets. Thus, the applicability of the RojoRamirez et al. (2011a, 2011b) approach for cost of equity estimation is tested for seven Bulgarian REITs. The results show that the cost of equity values calculated by the RojoRamirez et al. (2011a, 2011b) are more adequate than those obtained by the CAPM.

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Вътрешен одит и измами

Вътрешен одит и измами

Author(s): Plamen Iliev / Language(s): Bulgarian Issue: 1/2017

The subject is neither new nor an exception to modern economic life, and as seen in the introduction, it has long been used intentionally or not on a global scale and nationally. The article focuses on the different definitions of fraud and abuse as well as the possible definitions in the financial statements. There is a place for the possible motives for doing them, as well as the role of the internal audit to prevent them. There are also possible actions and approaches for their reduction, as well as recommendations for their legislative restriction.

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20 години паричен съвет в България - ефект върху макроикономическото състояние на страната и бъдещи перспективи

20 години паричен съвет в България - ефект върху макроикономическото състояние на страната и бъдещи перспективи

Author(s): Elena Spasova / Language(s): Bulgarian Issue: 1/2017

The currency board system that has been introduced and sustained in Bulgaria since 1997 is assessed on the basis of its impact on the macroeconomic conditions in the country. The assessment is founded on the theoretical advancements on the topic and on the empirical observations on the role of the currency board in Bulgaria when macroeconomic crises and external shocks occur. The conclusions for the procyclical and conservative nature of the system are the basis of development of three scenarios for the future of the currency board in Bulgaria – a realistic, an optimistic and a pessimistic one. The main prerequisites for their implementation are outlined. The associated risks are stated.

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