Alternative use of tobacco

According to the National strategy for environmental investments in 2013,the country has enough green energy, sunny days, hydropotential, geothermal watersuu8and biomass, i.e. potent renewable energy by 2020. The fact that tobacco production is a major source of income to many Macedonian families and direct incentive of economic development of certain regions in the country has encouraged the experts to find acceptable solution that will follow the EU guideline source and will also contribute to the anti Tobacco leaf is used for extraction of components for production of anti and drugs for treatment inantibactericide, practice and are considered natural products for The amount of biomass per unit area is an important component in the production of biogas and organic fertilizer

Profitability Determinants of the Macedonian Banking Sector in Changing Environment

AbstractThis paper analyzes bank-specific, industry-specific and macroeconomic determinants of bank profitability. Dynamic panel analysis is applied on the sample of 16 banks in the Macedonian banking system in the period between 2005 and 2010. According to the obtained results, among internal factors of bank profitability, the most important one is operating expense management. Further, the profitability is influenced by solvency risk and liquidity risk. Regarding the external variables, economic growth, banking system reform and concentration show significant effect on bank profitability in the Republic of Macedonia

Development on National Metrology, Standardisation, Conformity Assessment and Accreditation System - Final Report - CARDS 2004 Croatia

The final report of the CARDS programme 2004 project "Development of National Metrology, Standardisation, Conformity Assessment and Accreditation System" - offers an overview of the conducted activities during the period: from the 6th October 2008 to the 16th June 2009. Furthermore, this document is giving a sum-up of the overall achievements of the project over the entire duration of the project (16th May 2006 to 15th June 2009). Evaluation, eventual feedbacks, encountered problems, modifications and further recommendations are also elaborated. Finally, the last chapter is meant to provide a synthetic view on the targets of the project, derive conclusions and list the key issues / experiences and proposes further improvement possibilities for beneficiary institutions.JRC.DDG.D.4-Isotope measurement

Development of National Metrology, Standardisation, Conformity Assessment and Accreditation System. 4th Interim Report CARDS 2004

The CARDS 2004 - Croatia project entitled " Development of National Metrology, Standardisation, Conformity Assessment and Accreditation System" is providing targeted assistance on predefined topics having as overall objective further developmet of the Quality Infrastructure in Croatia. The 4th interim report provides the overview on the project's progress during the period April to October 2008. It also offers a plan for the activities to be conducted within the following (fifth) reporting period, corresponding to October 2008 - April 2009.JRC.D.4 - Isotope measurement

Development of National Metrology, Standardisation, Conformity Assessment and Accreditation System in Croatia: 3rd INTERIM REPORT CARDS 2004 - Croatia, Project No 116536

The CARDS 2004 - Croatia project entitled "Development of National Metrology, Standardisation, Conformity Assessment and Accreditation System in Croatia" is providing targeted assistance on predefined topics having as an overall objective the further development of the Quality Infrastructure in Croatia. The 3rd interim report provides the overview on the project's progress during the period October 2007 to April 2008. It also offers a plan for the activities to be conducted within the following (fourth) reporting period, corresponding to April 2008 - October 2008.JRC.D.4-Isotope measurement

Spaces of democracy: art, politics, and artivism in the post-socialist city

In the countries of former Eastern Europe, the collapse of socialism and the subsequent onset of neoliberal capitalism have resulted in a massive transfiguration of urban public space at the hands of commercial interests. Examples include the proliferation of outdoor advertising that destroys the character of natural and historic urban landscapes, commercial events that restrict access to parks and squares, the design of retail kiosks and storefronts in and around public spaces that does not respect the local context sending a signal that it no longer represents the local community. Instead of public space where people interact freely, without the coercion of state institutions -the productive, constantly remade, democratic public space- there is space for recreation and entertainment where access is limited only to suitable members of the public: "A controlled and orderly retreat where a properly behaved public might experience the spectacle of the city" (Mitchell). Drawing on insights from major theorists of public space, this paper explores the transformation of urban space in the post-socialist cities of Central and Southeast Europe (Skopje), focusing on examples of creative reuse, artistic conversion and social re-writing of the urban landscape in the face of massive economic, political and social changes

Design of a business roadmap methodology: application in Air-Breathing Electric Propulsion (ABEP) systems for Very Low Earth Orbits (VLEO) missions

This thesis serves the objective of developing a methodology for high level strategic planning to link an organisation’s business model with the projection of a technology’s development and its implications on the market. So, the roadmapping methodology proposed involves the definition of a state of the art of the technology studied, an in-depth study of the markets on which it can have an impact, the analysis of stakeholders involved in its development, a quantification of the influence of inside and outside factors on the technology, a projection of the investment budget needs and, finally, a visual representation of the development proposed. The proposed methodology can be applied to a variety of technologies with only little adaptation needed. In this thesis, it has been applied to a case study of Air Breathing Electric Propulsion (ABEP) in Very Low Earth Orbit (VLEO) missions. VLEO refers to the region of Earth’s orbit between 80 and 400 km from the surface. This region has not been able to be exploited due to its conditions of high particle density, which creates drag and reduces the life of satellite missions dramatically, and the presence of highly corrosive atomic gas species. ABEP is a technology in development that collects these harmful particles and uses them as propellant for its electric thrusters, canceling the drag created and enabling sustainable long-term missions in VLEO. Through a series of commonly used tools for strategic planning and business analysis, a series of actions are proposed to deal with the main factors around the development of ABEP for the next 15 years. A cumulative investment budget of €2641 million is also calculated to best develop the proposed actions in the studied time span

A study on relationship between brand loyalty and customer service in insurance companies companies. The case of Macedonia and Albania

Despite of remarkable interests in the nature and role of marketing application from servicing perspective, there are limited researches on service branding. By describing four major aspects of service branding, present study studies these aspects and their impacts on service conceived quality and finally it investigates the impact of service conceived quality on customer loyalty. Represented model includes the impact of brand traditional image along with other three impacts, that is, company image, employees‘ confidence and company‘s confidence. By using a 100-subject sample of Albania and Macedonia Insurance Company‘s customers, the analyses show that brand image and company‘s image have direct and positive impact on service conceived quality while a significant relationship is not seen between company‘ confidence and employees‘ confidence with service quality. Finally, the aspects of service brand impacts indirectly on customers‘ loyalty via impacting on service conceived quality. The positive impact on brand image and company‘s image on service conceived quality are too important due to the fact these two service brand aspects are highly impacted by external marketing as well as the importance of external marketing and throughout campaigns for insurance company via radio, TV and other mass media. In one hand, since most insurance companies are similar in terms of provided services, one can distinguish the special brand of Albanian and Macedonian Insurance in terms of special discounts, discounts on simultaneous usage of several types of insurance, etc. On the other hand, increasing the accessibility to services throug h opening further affiliated branches and full explanations of insurance services – that are typically varied and detailed – in guiding brochures and notebooks lead into customers‘ awareness and finally into a separated mindset and a positive and effective service brand for the company

Osiguranje od rizika potresa – najnovija kretanja i budući izazovi

Potresi su jedna od najdestruktivnijih prirodnih opasnosti i mogu imati teške ekonomske i društvene posljedice, te posljedice vezane za zaštitu okoliša. Osiguranje može pružiti važan doprinos nošenju s financijskim posljedicama rizika potresa, iako se mogućnost osiguravanja gubitaka od potresa suočava s brojnim izazovima. Ovaj rad obrađuje nedostatnu osigurateljnu zaštitu za ekstremne događaje usredotočujući se na opasnosti od prirodnih katastrofa („nat cat“, engl. natural catastrophe), posebice analizirajući tržište osiguranja imovine. Nedostatna oosigurateljna zaštita (engl. protection gap) definira se kao neosigurani dio gubitaka koje je je prouzročio događaj, tj. razlika između ukupnih ekonomskihi osiguranih gubitaka. Pojam „podosiguranje“, s druge strane, bi se mogao definirati kao razlika između iznosa osiguranja koji je ekonomski koristan – što može uključivati neko racionalno odabrano samoosiguranje – i iznosa koji je kupljen. Ključni doprinos ovog rada je identificiranje specifičnih izazova u vezi povećanja dostupnosti i korištenja osiguranja od potresa, uključujući značajan potencijal za teške, povezane gubitke od potresa, izazove u kvantificiranju izloženosti potresima i ograničenu spremnost na plaćanje osigurateljnog pokrića među domaćinstvima i poduzećima. Rad pruža pregled mjera koje se mogu implementirati kako bi se smanjila veličina očekivanih gubitaka i potaknula kupnja osigurateljnog pokrića. Osigurateljna pokrića mogu biti ponuđena od strane privatnih osiguravajućih društava, putem javnih osigurateljnih shema ili neke kombinacije oba. U nizu država razvijeni su posebni programi osiguranja ili reosiguranja koje podržavaju Vlade ili kao inicijativa osigurateljnog sektora kako bi se osigurala osnovna ili sveobuhvatnija pokrića od rizika potresa, ponekad zajedno s pokrićem za druge prirodne katastrofe i obično ograničena na osiguranje stambenih prostora

The role of middleware in boundary spanning - A study on the added value of middleware

En teknik som på senare år fått allt större uppmärksamhet på grund av dess potentiella nytta är RFID-tekniken som bland annat utlovar kostnadsminskningar och ökad konkurrenskraft. RFID i en logistikkedja genererar stora mängder data som måste lagras, hanteras och användas i realtid. Detta tillsammans med antalet användare av denna data gör att informationsmäklare kan vara nödvändiga. En informationsmäklarens uppgift är att hantera avläsare, filtrera och aggregera den insamlade RFID-data och skicka den, förädlad, till användaren av den data. Då utbudet av forskning kring de mjuka aspekterna av informationsmäklare inom RFID är begränsad är det oklart vilken roll informationsmäklare har vid gränsöverskridande aktiviteter. Syftet med denna uppsats är därför att öka förståelsen för de roller informationsmäklare kan ha vid gränsöverskridande aktiviteter genom att studera vilket värde de skapar. Uppsatsen kommer att bygga vidare på synen om informationsmäklare som en delkomponent i RFID-system. Teori kring gränsöverskridning kommer att tillämpas bland annat genom att se informationsmäklare som gränsobjekt vid gränsöverskridande aktiviteter. Annan forskning som tillämpas är den av Floerkemeier och Lampe (2005) som bland annat beskriver informationsmäklaren i RFID-system. Detta har studerats genom en kvalitativ studie utifrån fem intervjuer med medlemmar från två organisationer som var involverade i ett pilotprojekt där en informationsmäklarlösning testades. Studien har visat att informationsmäklare kan ha olika roller beroende på om de hanteras internt i en organisation eller externt. Detta har framhävt vikten av att den externa informationsmäklaren har en förståelse för den verksamhet den agerar informationsmäklare åt för att kunna generera nytta. Studien har även visat att RFID-data i sig är viktig för logistikkedjan men för att kunna få nytta av den bör organisationer kombinera RFID-data med verksamhetsnära data