Pub Date : 1900-01-01DOI: 10.15308/finiz-2021-51-57
Milena Nikolić, V. Mitić, Kristina Kaličanin
The COVID-19 pandemic has significantly influenced changes in the living conditions and business environment, both internationally and nationally. This global risk has affected many individuals, organizations, and economic sectors, causing recession, fear of losing one’s life and the lives of close ones, losing jobs, business bankruptcy. Due to the pandemic, people’s behaviour and life priorities have changed, influencing the development of awareness of the needs for life insurance. Furthermore, changes have affected the functioning of insurance companies, their needs to adapt to the changed environment, and finding ways to remain sustainable. The subject of this paper is an empirical analysis of the COVID-19 impacts on the life insurance development in Serbia. The aim of this paper is to point out the current trends in the domestic market of life insurance, and possible development directions for this type of insurance in an unpredictable and turbulent environment, based on the analysis of research results before and during the pandemic.
{"title":"IMPACT OF COVID-19 ON THE LIFE INSURANCE DEVELOPMENT IN SERBIA","authors":"Milena Nikolić, V. Mitić, Kristina Kaličanin","doi":"10.15308/finiz-2021-51-57","DOIUrl":"https://doi.org/10.15308/finiz-2021-51-57","url":null,"abstract":"The COVID-19 pandemic has significantly influenced changes in the living conditions and business environment, both internationally and nationally. This global risk has affected many individuals, organizations, and economic sectors, causing recession, fear of losing one’s life and the lives of close ones, losing jobs, business bankruptcy. Due to the pandemic, people’s behaviour and life priorities have changed, influencing the development of awareness of the needs for life insurance. Furthermore, changes have affected the functioning of insurance companies, their needs to adapt to the changed environment, and finding ways to remain sustainable. The subject of this paper is an empirical analysis of the COVID-19 impacts on the life insurance development in Serbia. The aim of this paper is to point out the current trends in the domestic market of life insurance, and possible development directions for this type of insurance in an unpredictable and turbulent environment, based on the analysis of research results before and during the pandemic.","PeriodicalId":297384,"journal":{"name":"Proceedings of the 8th International Scientific Conference - FINIZ 2021","volume":"13 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114304791","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 1900-01-01DOI: 10.15308/finiz-2021-38-43
Marija Đekić, Tamara Vesić
Lending to small and medium-sized enterprises is significantly more difficult compared to lending to large companies. In many studies, SMEs cite access to funding sources as one of the biggest barriers to business growth and development. In Serbia, bank lending is the main external source of financing for SMEs. However, in addition to the restrictions from the aspect of banks and the restrictions from the aspect of these enterprises, the restrictions on difficult lending to SMEs also come from the institutional and regulatory support of our country. EU regulations and strategic documents of our country are increasingly emphasizing the provision of adequate financing and lending conditions for SMEs, given that these companies are the backbone of each country's economy. It is especially important to preserve this sector in the period of the current crisis, by choosing adequate measures, subsidies and state guarantees. This paper aims to present the most significant limitations in giving loans to SMEs, from the regulatory-institutional aspect, i.e. limitations that can be removed or at least mitigated by adequate regulations.
{"title":"REGULATORY AND INSTITUTIONAL RESTRICTIONS ON SMALL BUSINESS LOANS IN SERBIA","authors":"Marija Đekić, Tamara Vesić","doi":"10.15308/finiz-2021-38-43","DOIUrl":"https://doi.org/10.15308/finiz-2021-38-43","url":null,"abstract":"Lending to small and medium-sized enterprises is significantly more difficult compared to lending to large companies. In many studies, SMEs cite access to funding sources as one of the biggest barriers to business growth and development. In Serbia, bank lending is the main external source of financing for SMEs. However, in addition to the restrictions from the aspect of banks and the restrictions from the aspect of these enterprises, the restrictions on difficult lending to SMEs also come from the institutional and regulatory support of our country. EU regulations and strategic documents of our country are increasingly emphasizing the provision of adequate financing and lending conditions for SMEs, given that these companies are the backbone of each country's economy. It is especially important to preserve this sector in the period of the current crisis, by choosing adequate measures, subsidies and state guarantees. This paper aims to present the most significant limitations in giving loans to SMEs, from the regulatory-institutional aspect, i.e. limitations that can be removed or at least mitigated by adequate regulations.","PeriodicalId":297384,"journal":{"name":"Proceedings of the 8th International Scientific Conference - FINIZ 2021","volume":"22 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115942690","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 1900-01-01DOI: 10.15308/finiz-2021-87-90
Ana B. Radulovic, O. Epitropaki, Antonis Polentas, Miquel Salvadó-Gracia
The global economy, as well as our health and social behaviour seem to be significantly affected by the COVID-19 pandemic. Considering the influence that leaders have on followers, distribution of resources and policies, the study of leadership seems to be an important tool for facing crisis situations. This paper reviews charismatic leadership theory and in particular outlines verbal and nonverbal tactics of charismatic leadership. The paper outlines empirical findings that show the impact of charismatic leaders on various outcomes.
{"title":"LEADING IN THE TIME OF CRISIS: CHARISMATIC LEADERSHIP","authors":"Ana B. Radulovic, O. Epitropaki, Antonis Polentas, Miquel Salvadó-Gracia","doi":"10.15308/finiz-2021-87-90","DOIUrl":"https://doi.org/10.15308/finiz-2021-87-90","url":null,"abstract":"The global economy, as well as our health and social behaviour seem to be significantly affected by the COVID-19 pandemic. Considering the influence that leaders have on followers, distribution of resources and policies, the study of leadership seems to be an important tool for facing crisis situations. This paper reviews charismatic leadership theory and in particular outlines verbal and nonverbal tactics of charismatic leadership. The paper outlines empirical findings that show the impact of charismatic leaders on various outcomes.","PeriodicalId":297384,"journal":{"name":"Proceedings of the 8th International Scientific Conference - FINIZ 2021","volume":"20 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124904295","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 1900-01-01DOI: 10.15308/finiz-2021-31-37
Z. Jovic, Stevan Tomašević
The process of managing the performance of a company necessarily goes through the phase of their measurement. The measures that are applied depend on the information requirements, the set goals, and the defined business strategy of the company. The traditional approach to measuring company performance places emphasis on financial parameters that are expressed quantitatively, thus creating the possibility of dynamic observation of the phenomenon in continuous time periods. In contrast to this approach, the modern approach, in addition to financial, uses non-financial performance measures that are expressed and categorized qualitatively, in accordance with the needs of key stakeholders. The focus of the traditional approach is on analyzing and improving the short-term performance of the company, while the modern approach is dominated by the pursuit of long-term company value.
{"title":"TRADITIONAL VS MODERN APPROACHES TO MEASURING THE PERFORMANCE OF A COMPANY","authors":"Z. Jovic, Stevan Tomašević","doi":"10.15308/finiz-2021-31-37","DOIUrl":"https://doi.org/10.15308/finiz-2021-31-37","url":null,"abstract":"The process of managing the performance of a company necessarily goes through the phase of their measurement. The measures that are applied depend on the information requirements, the set goals, and the defined business strategy of the company. The traditional approach to measuring company performance places emphasis on financial parameters that are expressed quantitatively, thus creating the possibility of dynamic observation of the phenomenon in continuous time periods. In contrast to this approach, the modern approach, in addition to financial, uses non-financial performance measures that are expressed and categorized qualitatively, in accordance with the needs of key stakeholders. The focus of the traditional approach is on analyzing and improving the short-term performance of the company, while the modern approach is dominated by the pursuit of long-term company value.","PeriodicalId":297384,"journal":{"name":"Proceedings of the 8th International Scientific Conference - FINIZ 2021","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130246876","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 1900-01-01DOI: 10.15308/finiz-2021-15-19
G. Malik, Dharmendra Singh, Nikola Stakić
Internet banking gives banks colossal advantages as far as cost reserve funds, better client connections, and individual contributions from the opposition. This study expects to recognize the components that essentially influence the intention of bank clients to utilize Internet banking administrations in India. The examination proposed a complete model called Internet banking Adoption in India, which was an implicit part based on the "Brought together Theory of Acceptance and Use of Technology" (UTAUT) and three extra factors that were recognized as setting delicate. A self-made survey with 100 samples on the impact of behavioral intention to adopt Internet banking was conducted using surveys available on the Internet. A statistical tool like Chi-Square, correlation and regression was performed on SPSS software for further analysis. According to the TAM Model, perceived trust, perceived risk, and perceived ease of use was taken into consideration to rate the behavioral intention for adopting Internet banking in day-to-day life.
{"title":"UNDERSTANDING THE BEHAVIOURAL INTENTION TO ADOPT INTERNET BANKING: AN INDIAN PERSPECTIVE","authors":"G. Malik, Dharmendra Singh, Nikola Stakić","doi":"10.15308/finiz-2021-15-19","DOIUrl":"https://doi.org/10.15308/finiz-2021-15-19","url":null,"abstract":"Internet banking gives banks colossal advantages as far as cost reserve funds, better client connections, and individual contributions from the opposition. This study expects to recognize the components that essentially influence the intention of bank clients to utilize Internet banking administrations in India. The examination proposed a complete model called Internet banking Adoption in India, which was an implicit part based on the \"Brought together Theory of Acceptance and Use of Technology\" (UTAUT) and three extra factors that were recognized as setting delicate. A self-made survey with 100 samples on the impact of behavioral intention to adopt Internet banking was conducted using surveys available on the Internet. A statistical tool like Chi-Square, correlation and regression was performed on SPSS software for further analysis. According to the TAM Model, perceived trust, perceived risk, and perceived ease of use was taken into consideration to rate the behavioral intention for adopting Internet banking in day-to-day life.","PeriodicalId":297384,"journal":{"name":"Proceedings of the 8th International Scientific Conference - FINIZ 2021","volume":"2 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126364613","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 1900-01-01DOI: 10.15308/finiz-2021-76-81
Jelena Gajić, A. Đorđević
Digital collaboration and connectivity are dominant ways of coommunication in the COVID-19 pandemic and postpandemic period in business markets, but they have also proven to be a sucessful tool for sustaining human contact in everyday life as well. It has became apparent that keeping pace with the contemporary digital solutions enables companies to improve and continuously update and optimize their processes and activities in order to meet the needs of different target groups. The aim of this paper is to indicate the importance of digital product management and digital communication possibilities and solutions in business and social environments in order to set a human-centred connectivity. By analyzing the effectiveness of various communication tools for distance collaboration, the researchers came to the conclusion that although the increase in the use of all-things-digital was expected, all of the subsequent, and even some unforeseen effects of the fast transition to digital are reshaping customers’ landscape.
{"title":"DIGITAL COMMUNICATON AND CONNECTIVITY IN OVERCOMING THE WIDER EFFECT OF THE PANDEMIC CRISIS","authors":"Jelena Gajić, A. Đorđević","doi":"10.15308/finiz-2021-76-81","DOIUrl":"https://doi.org/10.15308/finiz-2021-76-81","url":null,"abstract":"Digital collaboration and connectivity are dominant ways of coommunication in the COVID-19 pandemic and postpandemic period in business markets, but they have also proven to be a sucessful tool for sustaining human contact in everyday life as well. It has became apparent that keeping pace with the contemporary digital solutions enables companies to improve and continuously update and optimize their processes and activities in order to meet the needs of different target groups. The aim of this paper is to indicate the importance of digital product management and digital communication possibilities and solutions in business and social environments in order to set a human-centred connectivity. By analyzing the effectiveness of various communication tools for distance collaboration, the researchers came to the conclusion that although the increase in the use of all-things-digital was expected, all of the subsequent, and even some unforeseen effects of the fast transition to digital are reshaping customers’ landscape.","PeriodicalId":297384,"journal":{"name":"Proceedings of the 8th International Scientific Conference - FINIZ 2021","volume":"27 9","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"113976971","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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