<rdf:RDF xmlns:rdf="http://www.w3.org/1999/02/22-rdf-syntax-ns#" xmlns:dcterms="http://purl.org/dc/terms/">
<rdf:Description rdf:about="https://omeka.ibu.edu.ba/items/show/1188">
    <dcterms:title><![CDATA[Rimsko pravo kao temelj ne slobode i povezanost instituta &quot;kmetića&quot; s okolicom Bihaća]]></dcterms:title>
    <dcterms:abstract><![CDATA[Pravo u ulozi zaštite robova opisano je u radu kroz povijesno pravne odnose robova i njihovih gospodara. Poznata su tri načina postanka ropstva: rođenjem, zbog duga i ratom (zarobljenici). Rad nastoji  prikazati položaj robova od 2000. godine stare ere počevši  od najstarijih Mezopotamskih zakonika od Bilalame, Hamurabija, preko zakonika XII ploča, Zakonika o izbacivanju (tereta) - Lex Rhodia de iactu, ulogom rimskog prava, pa do pojedinih srednjovjekovnih statuta istočnog Jadrana.    Postoje pravni spomenici starog vijeka koji reguliraju položaj robova. Isto tako u odredbama srednjovjekovnih komunalnih statuta istočnog Jadrana navode se robovi. Kako se te dvije skupine pravnih vrela nalaze u središtu pozornosti u radu će se dati  temeljni podaci i analiza pravnih spomenika toga razdoblja s temeljnim ciljem prikaza robova i njihova položaja u društvu i s osvrtom na njihov položaj na brodovima.    Trgovina robovima imala je za cilj povezivanje različitih tržišta radi prodaje i kupovine robova. U zaključku će se navesti najvažniji rezultati rada]]></dcterms:abstract>
    <dcterms:publisher><![CDATA[Pravni fakultet Univerziteta u Bihaću i Centar za društvena istraživanja Internacionalnog Burč univerziteta]]></dcterms:publisher>
    <dcterms:date><![CDATA[2014]]></dcterms:date>
    <dcterms:extent><![CDATA[3108]]></dcterms:extent>
</rdf:Description><rdf:Description rdf:about="https://omeka.ibu.edu.ba/items/show/731">
    <dcterms:title><![CDATA[Rise in Non-performing Loans: Determinants and Repercussions]]></dcterms:title>
    <dcterms:abstract><![CDATA[Ever since 2008 as the global financial crisis came about, we witness quite major increase in non-performing loans in Bosnia and Herzegovina but also elsewhere in Eastern and Southern Europe and around the world. Non-performing loans can be viewed as realization of credit risk and indicator of financial health of the banking sector but also as an indicator of liquidity in real sector. The paper investigates determinants of non-performing loans and concludes that both macroeconomic and bank level determinants play a major role in determining level of non-performing loans in a country. The paper also discusses the feedback effect of rising level of non-performing loans back to the economy and finds that there is effect and repercussion on short term to medium term on macroeconomic climate. The paper also shortly addresses the banking regulation that regulates management of credit risk.    Keywords: Non-performing loans, macroeconomic and bank level determinants, feedback effect, banking regulation.]]></dcterms:abstract>
    <dcterms:publisher><![CDATA[International Burch University]]></dcterms:publisher>
    <dcterms:date><![CDATA[2014-04-24]]></dcterms:date>
    <dcterms:extent><![CDATA[2519]]></dcterms:extent>
    <dcterms:identifier><![CDATA[ISSN 2303-4564     ]]></dcterms:identifier>
</rdf:Description><rdf:Description rdf:about="https://omeka.ibu.edu.ba/items/show/835">
    <dcterms:title><![CDATA[Rise in Non-performing Loans: Determinants and Repercussions]]></dcterms:title>
    <dcterms:abstract><![CDATA[Ever since 2008 as the global financial crisis came about, we witness quite major increase in non-performing loans in Bosnia and Herzegovina but also elsewhere in Eastern and Southern Europe and around the world. Non-performing loans can be viewed as realization of credit risk and indicator of financial health of the banking sector but also as an indicator of liquidity in real sector. The paper investigates determinants of non-performing loans and concludes that both macroeconomic and bank level determinants play a major role in determining level of non-performing loans in a country. The paper also discusses the feedback effect of rising level of non-performing loans back to the economy and finds that there is effect and repercussion on short term to medium term on macroeconomic climate. The paper also shortly addresses the banking regulation that regulates management of credit risk.    Keywords: non-performing loans, macroeconomic and bank level determinants, feedback effect, banking regulation.  ]]></dcterms:abstract>
    <dcterms:publisher><![CDATA[International Burch University]]></dcterms:publisher>
    <dcterms:date><![CDATA[2014-04]]></dcterms:date>
    <dcterms:extent><![CDATA[2585]]></dcterms:extent>
    <dcterms:identifier><![CDATA[ISSN 2303-4564     ]]></dcterms:identifier>
</rdf:Description><rdf:Description rdf:about="https://omeka.ibu.edu.ba/items/show/2272">
    <dcterms:title><![CDATA[Risk Tolerance and Investment Preferences in Bosnia and Herzegovina]]></dcterms:title>
    <dcterms:abstract><![CDATA[Risk tolerance is considered as an important factor in making financial decisions, saving and  investment choices. This paper has examined level of investment risk tolerance and  investment preferences of B&amp;H’s population and it had explored whether demographic and  socioeconomic factors to risk tolerance and investment preferences. Using a randomly chosen  sample of 200 individuals above the age of 20, empirical analysis has shown that above  independent variables that are significantly affecting individual’s risk tolerance are income  level, education level and gender. Regression analysis has proven that above average risk  tolerance is associated with higher income level and higher education level. Moreover,  analysis has supported the assumption that males are more risk tolerant then females.  Regarding the investment preferences, obtained results show that the out of eight independent  variables, only variable measuring whether an individual has a financial commitment is  significantly negatively related to the investment. Keywords: Risk tolerance, Risk aversion, Investment preferences, demographic and  socioeconomic factors, regression model, level of significance.]]></dcterms:abstract>
    <dcterms:date><![CDATA[2012-05-31]]></dcterms:date>
    <dcterms:extent><![CDATA[1327]]></dcterms:extent>
</rdf:Description><rdf:Description rdf:about="https://omeka.ibu.edu.ba/items/show/279">
    <dcterms:title><![CDATA[Rješavanje interlokalnog sukoba zakona u statusnim i nasljednim odnosima u Bosni i Hercegovini]]></dcterms:title>
    <dcterms:abstract><![CDATA[Sažetak: Predmet rada je način rješavanja privatnopravnih odnosa sa međuentiteskim elementom u statusnim i nasljednim odnosima u pravu Bosne i Hercegovine. Radi se o materiji međunarodnog privatnog prava iako se odlučuje o interlokalnom sukobu zakona. Postojanje interlokalnog sukoba zakona je posljedica složenog pravnog poretka Bosne i Hercegovine. Ne može se zanemarivati postojanje međuentitetskog elementa u privatnopravnim odnosima, posebno iz razloga što su zakonska rješenja različita i mogu dovesti do potpuno drugačijih rješenja slučaja, s obzirom da je većina privatnoravnih odnosa normirana od strane entiteta i Brčko distrikta. Cijeneći da određeni privatnopravni odnos može da utiče na cjelokupan život određenih osoba, jasno je koliko se ozbiljno mora pristupiti ovom problemu. U statusnim stvarima razlika se prvenstveno ogleda u tome da je u Federaciji Bosne i Hercegovine i Brčko distriktu propisana mogućnost sticanja poslovne sposobnosti i za maloljetnu osobu, stariju od 16 godina koja je postala roditelj, u vanparičnom postupku na prijedlog maloljetne osobe. U nasljednim odnosima takođe postoji niz razlika, a posebno se ističe različit krug zakonskih nasljednika, mogućnost nasljeđivanja vanbračnog partnera i oblik testamenta. Osnovni težišni kontakt koji se koristi kod privatnopravnih odnosa sa međuentitetskim elementom je prebivalište.]]></dcterms:abstract>
    <dcterms:publisher><![CDATA[Social Sciences Research Center]]></dcterms:publisher>
    <dcterms:date><![CDATA[2016]]></dcterms:date>
    <dcterms:extent><![CDATA[3623]]></dcterms:extent>
</rdf:Description><rdf:Description rdf:about="https://omeka.ibu.edu.ba/items/show/2595">
    <dcterms:title><![CDATA[Robin Lakoff Revisited – Male and Female Humor in Academic Settings]]></dcterms:title>
    <dcterms:abstract><![CDATA[Females have traditionally been characterized as unable to produce, or even appreciate, humor. Although there were numerous studies on female humor within different scientific disciplines, such as sociology, psychology, anthropology, etc., Robin Lakoff’s paper was among most significant ones:“…women can&#039;t tell jokes - they are bound to ruin the punchline, they mix up the order of things and so on. Moreover, they don&#039;t &#039;get&#039; jokes. In short, women have no sense of humor.” (Lakoff, 1975:56)    In the early gender and humor studies, the problem was that researchers did not rely on spontaneous joking, but on controlled public sphere, which was in the domain of males.  With general advancement in language and gender research, the attitudes on gender humor have changed. Humor has been related to women’s conversational styles (supportive and collaborative) as opposed to male conversational styles (referring to status and competition). Some newer studies have tried to look at this topic from a more feminist perspective – the main task in male life is to impress the opposite sex, they accept women as the audience, but not as rivals.    Within our Language and Gender course, we have tried to investigate the issue of gender humor in the academic setting. Some of the questions to be answered are gender differences in initiating and responding to humorous situations as well as cross-cultural dimension of humor.  ]]></dcterms:abstract>
    <dcterms:date><![CDATA[2012-05]]></dcterms:date>
    <dcterms:extent><![CDATA[908]]></dcterms:extent>
</rdf:Description><rdf:Description rdf:about="https://omeka.ibu.edu.ba/items/show/2928">
    <dcterms:title><![CDATA[Role and Importance of CRM  in Global Competitive Environment]]></dcterms:title>
    <dcterms:abstract><![CDATA[Information and communication technologies (ICT) which has flourished due to  spread of microchip technologies during 1970s, created internet which interconnects entire  world and eliminates the classical understanding during 1990s. The fact that electronic trade  and several other transactions could be performed through internet which developed as a  result of widespread use of internet, created a global economy. The knowledge in the global  economy, left behind the production factors which are known as labor, capital, natural  resources and entrepreneurship, has become a standalone production factor. The developed  information technologies caused human-oriented approaches to flourish and production  processes to restructure. With the emergence of customer-oriented approaches, the production  process has become &quot;discovering what the customer wants and produce that thus makes  profit by satisfying the customer in this fashion&quot;. Marketing function within the enterprise  became a leading factor even more than the production process and marketing position has  become the function of all employees of the enterprise. The enterprises which fail to satisfy  their customers, have become weaker economically and cannot survive. As a result, while  developed information and communication technologies enabled globalization, the customer  has become the most important element in the global economy and those enterprises which  can sell whatever they produce, have been replaced by those enterprises who produce and sell  whatever the customer wants and competition has been increased leading to global  competition which influence entire world. The enterprises which have been deprived of  competitive power through the classical marketing mix (product, price, distribution,  promotion) now have a tendency towards customer relationship management (CRM). CRM is  now used as a new name of the marketing.  Introduction]]></dcterms:abstract>
    <dcterms:date><![CDATA[2010-06]]></dcterms:date>
    <dcterms:extent><![CDATA[222]]></dcterms:extent>
</rdf:Description><rdf:Description rdf:about="https://omeka.ibu.edu.ba/items/show/3539">
    <dcterms:title><![CDATA[ROLE OF FINTECH IN FINANCIAL INCLUSION OF SMALL &amp; MEDIUM<br />
ENTERPRISES (SME) IN INDIA<br />
]]></dcterms:title>
    <dcterms:abstract><![CDATA[Fintech is the application of technology in financial services, combining techniques such as hardware, software, and cloud with a financial platform like Banks, NBFCs, wealth management firms etc. The traditional banking system is going through a digital transformation with the help of these Fintech companies. These companies are acting as game changer by designing innovative digital platforms, with the common end goal of enhancing financial inclusion of SMEs. Small &amp; Medium Enterprises (SMEs) are the engine that drives the economy and contributes to the GDP in India. These entities do not have access to easy finance due to issues like lack of collateral and credit history. Traditional financial institutions adopt a cautious process when make small-unsecured loans and moreover they prefer loans only against collateral. So there is a greater need for adequate financial support for small and medium enterprises. However, Banks are partnering with FinTech firms and are taking the entire process online to reduce the transaction cost and turnaround time. They are looking for alternative sources of data to measure the creditworthiness of SMEs. This has led to the emergence of a new sector known as alternative lending, which is essentially an online platform for lenders (retail or institutional) to lend directly to borrowers (individual or corporate). While traditional organizations evaluate balance sheets, P&amp;L statements and other documents of the business, Fintech platforms use AI and advanced machine learning algorithms to rate the SME’s creditworthiness. Fintech platforms lay specific importance to digital data available in an ecosystem like bank transactions, cash flow, and importance is given to company ratings from credit reporting agencies. This research paper talks about how the fintech firms are contributing towards the financial inclusion of SMEs by introducing them with various financial products and a digital lending platform. It looks at the opportunities available to the Fintech sector as well as the challenges faced by them. It is a qualitative study based on an open questionnaire format. The study further looks at the specific needs of the SME sector regarding financing and how Fintech companies are bridging the gap of financing for these SMEs.]]></dcterms:abstract>
</rdf:Description><rdf:Description rdf:about="https://omeka.ibu.edu.ba/items/show/290">
    <dcterms:title><![CDATA[ROLE OF GOOD GOVERNANCE AND LOCAL ASSETS IN DEVELOPMENT OF RURAL AREAS IN FEDERATION OF BOSNIA AND HERZEGOVINA]]></dcterms:title>
    <dcterms:abstract><![CDATA[Bosnia and Herzegovina is one of the most rural countries in Europe with around 61% of population living in predominantly rural areas. The characteristics of rural areas in BH are similar to the ones in other countries but are also specific in relation to the overall country development, natural resources and mentality of the people (social and human capital).  The aim of the study is to investigate the reasons for the differences in economic performance, in particular, to investigate the role of tangible and less tangible factors influencing development outcomes, and to show how people in rural areas perceive the role of local governance, as influential, as mediating or without significant contribution to their development level. The basis of the designed theoretical model is drawn primarily from completed research projects conducted in European Union. Model assumes that the different economic performance of rural areas is the result, in part at least, of five locally available capitals: (1) natural capital; (2) built capital; (3) human capital; (4) social capital; and (5) cultural capital. In order to ensure the significance of this research and contribution to the field, the framework takes into consideration effective governance as having an important role in development of rural areas. To include this driver into the model it evaluates governance through defined principles of good governance found in the literature.  This study represents a cross-sectional study which used both quantitative and qualitative methodology. Target population were residents in 72 municipalities classified as rural. In total 521 questionnaires were used in the analysis. The conducted method of analysis that was used was structural equation modelling. The results showed that only natural and human capital have statistically significant influence on development of rural areas. Related to institutional capital or good local governance there is no direct influence on the development, however some kind of contribution exists through other capitals.   This research could present, along with other studies and sector analysis, useful base for constructive discussions on direct and long lasting measurements for improving rural development in our country in consistent, systematic and strategic way.  Keywords: rural development, capitals, good governance, structural equation modelling]]></dcterms:abstract>
    <dcterms:date><![CDATA[2016]]></dcterms:date>
    <dcterms:extent><![CDATA[3615]]></dcterms:extent>
</rdf:Description><rdf:Description rdf:about="https://omeka.ibu.edu.ba/items/show/372">
    <dcterms:title><![CDATA[ROLE OF JADID REPRESENTATIVES                                                                                         IN THE FORMATION OF PRESENT UZBEK LITERAL LANGUAGE NORMS]]></dcterms:title>
    <dcterms:abstract><![CDATA[Language is the mirror of a nation. All changes occurring in the life of a nation, undoubtedly, find their reflection in language. In this regard, patriots and eminent figures of a nation have always considered language as good means of self-apprehension, elevation of its greatness and glory, reservation and reiteration of spirituality during hard times. Particularly during the first quarter of the XX century, known in history as the National Renaissance, academicians and scholars paid a lot of attention to language as they believed it was engendering national spirituality and elevation of national ideology in people. They considered language to be an invaluable pearl which indicates the existence of a nation. In this regard, in the view of development of our own language, we have accumulated all the facilities and initiated elaboration of rules of Uzbek language.]]></dcterms:abstract>
    <dcterms:publisher><![CDATA[International Burch University]]></dcterms:publisher>
    <dcterms:date><![CDATA[2015-07]]></dcterms:date>
    <dcterms:extent><![CDATA[2889]]></dcterms:extent>
</rdf:Description></rdf:RDF>