<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/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/836">
    <dcterms:title><![CDATA[A Case Study of Information Systems Implementation in Bosnia and Herzegovina]]></dcterms:title>
    <dcterms:abstract><![CDATA[In today&#039;s world of highly competitive economy with frequent and rapid changes, business managers are faced with an increasing need to make right decisions at the right time. Right information is one of the key resources for high quality business decisions and subsequent business success. Relevant, accurate and timely information is valuable because it can affect behavior, a decision, and an outcome. Thus, business managers need to have access to all the required internal and external up to date information. This access is enabled by modern business information systems. These are ICT based systems that collect; store, preserve, process and deliver needed information to organizational management in order to support their operational, tactical and strategic decision making. They also help organizations to connect with their customers, suppliers and partners involved in their business processes. In short, these systems have become essential when it comes to day-to-day operation, as well as strategic planning and decision making. Given the high importance of information systems in organizations, this study will analyze a case of one system implementation in a real-world company from Bosnia and Herzegovina. In particular, a descriptive method will be applied to examine the characteristics of the company&#039;s system and the value of information it provides to its management.  Keywords: business information system, implementation, impact, case study.  ]]></dcterms:abstract>
    <dcterms:publisher><![CDATA[International Burch University]]></dcterms:publisher>
    <dcterms:date><![CDATA[2014-04]]></dcterms:date>
    <dcterms:extent><![CDATA[2606]]></dcterms:extent>
    <dcterms:identifier><![CDATA[ISSN 2303-4564     ]]></dcterms:identifier>
</rdf:Description><rdf:Description rdf:about="https://omeka.ibu.edu.ba/items/show/837">
    <dcterms:title><![CDATA[Web Presence of Hotels in Canton Sarajevo]]></dcterms:title>
    <dcterms:abstract><![CDATA[Making a website has become a necessity for any modern hotel operating nowadays. Creating an effective website for a business, such as a hotel, can contribute to its success. It changes the way of presenting particular services in a way that is available to anyone from anywhere around the globe. A person who is sitting in his or her chair in front of a computer can access all the information and services that a particular hotel is providing. In general, e-commerce is an efficient way of conducting business that replaces more effortful traditional way involving physical contact. However, to be successful, the website needs to be well designed and built in order to be adopted by the customers. The key criteria for good website design suggested by the literature include: functionality (e.g. information, instruction), usability (e.g. simplicity, ease of use) and appeal (e.g. color, graphics). Every customer wants to be able to get the required information from the website in the simplest and easiest way possible. In the case of hotels, visual presentation of hotel amenities is equally significant. It can stand out as a point-of-difference for targeted customers. A single hotel can also benefit from joining global websites that connect many hotels in one place. Higher ratings can be obtained based on the quality of provided information and presentation because these ratings are based on actual human perceptions and experiences. Given all of the above said, this research study will examine how important is web presence for ratings and business success of selected hotels in Canton Sarajevo. A survey-based method will be employed to collect customer satisfaction data.  Keywords: E-commerce. E-business, web presence, user satisfaction, hotel.  ]]></dcterms:abstract>
    <dcterms:publisher><![CDATA[International Burch University]]></dcterms:publisher>
    <dcterms:date><![CDATA[2014-04]]></dcterms:date>
    <dcterms:extent><![CDATA[2608]]></dcterms:extent>
    <dcterms:identifier><![CDATA[ISSN 2303-4564     ]]></dcterms:identifier>
</rdf:Description><rdf:Description rdf:about="https://omeka.ibu.edu.ba/items/show/838">
    <dcterms:title><![CDATA[Financial Stability: Albanian Case]]></dcterms:title>
    <dcterms:abstract><![CDATA[Defining financial stability is very difficult, and it is even harder to measure it. Generally speaking, a financial system can be characterized as stable in the absence of excessive volatility, stress or crises. This paper tries to give a clearer definition of financial stability and its importance in the economy of a country. An efficient and stable financial system is very important, as it is one of the main factors that promote economic development and growth. It also focuses on financial stability progress in which Albania has undergone during the last two years (2012-2013). All statistical data and information are collected from both national and international sources, including Central Bank of Albania, Ministry of Finance, as well as IMF and World Bank. In order to measure and understand the financial state of Albania, it was necessary to make an analysis of the real sector (GDP growth), behavior of financial markets, performance of banking sector and corporate sector’s riskiness. Banks play an important role in the global financial system and have become more important during liberalization and technological progress. This phenomenon is quite obvious even in Albania. Empirical studies show that banking sector should be more careful with non-performing loans, even though lending procedures have been tightened. The ratio of non-performing loans to total loans reached up to 24.2% in June 2013. Credit risk remains the main threat of Albanian banking sector, due to low economic growth and political instability. Based on the collected data we may conclude that the performance of financial system and banking sector in Albania has been quite stable.    Keywords: financial Stability; Banks; Monetary Policy.  ]]></dcterms:abstract>
    <dcterms:publisher><![CDATA[International Burch University]]></dcterms:publisher>
    <dcterms:date><![CDATA[2014-04]]></dcterms:date>
    <dcterms:extent><![CDATA[2591]]></dcterms:extent>
    <dcterms:identifier><![CDATA[ISSN 2303-4564     ]]></dcterms:identifier>
</rdf:Description><rdf:Description rdf:about="https://omeka.ibu.edu.ba/items/show/839">
    <dcterms:title><![CDATA[A Comprehensive Look at Generation Z and Their Expectations from Public Administration]]></dcterms:title>
    <dcterms:abstract><![CDATA[One can argue that there is vast amount of difference in behavior and expectation of generations. In this paper, we try to bring together some insights about generation z and their role in today&#039;s world.  Firstly, we take a brief look at the phenomenon and review basic descriptions.  We try to demonstrate basic differentiation of this new generation. We have seen some revolts and riots throughout the world, mostly led by generation z, against governments. Based on these definitions and actions, secondly, we try to develop empirical knowledge of generation z&#039;s main expectations from public administration, using a questionnaire conducted on a limited number of generation z members.     Authors are using a quantitative research methodology on this paper, with the aim of understanding how expectations of generation z differ from previous ones. Based on some factors from existing literature, we argue that they demand more transparency, accountability, social welfare and fair administration. Current study can be expanded as; comparative studies based on similar questionnaire with members of other generations. Some limitations of the study should be noted as well. Sample group is selected on a narrow geographical location and in limited numbers. Time and budget constraints prevented researchers from reaching a wider sample group. In summary, this paper tries to focus on generation z and their expectations from public administration.  	  Keywords: generation z, public administration.  ]]></dcterms:abstract>
    <dcterms:publisher><![CDATA[International Burch University]]></dcterms:publisher>
    <dcterms:date><![CDATA[2014-04]]></dcterms:date>
    <dcterms:extent><![CDATA[2653]]></dcterms:extent>
    <dcterms:identifier><![CDATA[ISSN 2303-4564     ]]></dcterms:identifier>
</rdf:Description><rdf:Description rdf:about="https://omeka.ibu.edu.ba/items/show/840">
    <dcterms:title><![CDATA[An Evaluation of Municipality Services in Sivas, Turkey through the lens of CSS scope]]></dcterms:title>
    <dcterms:abstract><![CDATA[For quite a long time, municipalities in Turkey are offering a wide array of exceptional services such as art courses, dining &amp; drinking, health &amp; elderly care, cultural services etc. In this paper, through public administration and Turkish law, we take a look at basic missions of municipalities and then, move on for an evaluation of these exceptional services through corporate social responsibility perspective. Our work tries to answer the question whether these municipality actions can be considered as socially responsible management or not. Authors argue that, due to increased competition among political parties, municipalities are expanding their services beyond their mission stated in Turkish law.     We also visit the concept of corporate social responsibility in this paper and provide brief descriptions from existing literature. In the last section of the paper, we conduct a quantitative survey with the residents of Sivas city. By using this survey, we aim to understand how residents of Sivas evaluate –beyond mission- services of their municipality. Our survey includes questions and/or factors from European Union CSR initiative. We hope that results of this paper can open directions for further CSR and public administration research. With an emphasis on mission, responsibility and evaluation concepts, municipalities can review their stance and researchers can expand these empiric results for further knowledge creation.    Keywords: public, administration, municipality, corporate, social, responsibility.  ]]></dcterms:abstract>
    <dcterms:publisher><![CDATA[International Burch University]]></dcterms:publisher>
    <dcterms:date><![CDATA[2014-04]]></dcterms:date>
    <dcterms:extent><![CDATA[2652]]></dcterms:extent>
    <dcterms:identifier><![CDATA[ISSN 2303-4564     ]]></dcterms:identifier>
</rdf:Description><rdf:Description rdf:about="https://omeka.ibu.edu.ba/items/show/841">
    <dcterms:title><![CDATA[How The Level Of Emotional Intelligence Affects Opportunity Identification?]]></dcterms:title>
    <dcterms:abstract><![CDATA[Opportunity identification is emerging as a critical component of the entrepreneurial process representing the ‘most distinctive and fundamental entrepreneurial behavior’ (Hayton et. al. 2011; 15). Opportunity recognition has long been accepted as a key aspect of the entrepreneurial process (Ozgenve Baron, 2007:174). The issue why some individuals take advantage of opportunities and some cannot is usually studied. While some studies found that personality traits, psychological variables and demographic factors may affect on entrepreneurial activity, other researchers have looked to the importance of social capital and network ties to new venture creation.    In this study, we focus on the effects of emotional intelligence on opportunity identification. We attempt to explain these effects by creating a theoretical framework that considers the interaction between emotional intelligence levels and opportunity identification. To test research hypotheses, data will be gathered from students at the Business Program of The Faculty of Economics and Administrative Sciences in a university in Turkey. The resulting data will be analyzed by appropriate statistical methods. In accordance with this analysis, it will be determined whether individuals&#039; emotional intelligence level has an impact on opportunity identification skills.    Keywords: Opportunity identification, emotional intelligence, entrepreneurial process.  ]]></dcterms:abstract>
    <dcterms:publisher><![CDATA[International Burch University]]></dcterms:publisher>
    <dcterms:date><![CDATA[2014-04]]></dcterms:date>
    <dcterms:extent><![CDATA[2616]]></dcterms:extent>
    <dcterms:identifier><![CDATA[ISSN 2303-4564     ]]></dcterms:identifier>
</rdf:Description><rdf:Description rdf:about="https://omeka.ibu.edu.ba/items/show/842">
    <dcterms:title><![CDATA[A Field Research about Oppression Incurred Upon Woman Entrepreneurs in Patriarchal Societies]]></dcterms:title>
    <dcterms:abstract><![CDATA[In societies where men are dominant, women generally live under the domination of men. In these societies; women do not think, produce and express an opinion. According to man; woman does household chores, take care of children and provide fundamental requirements of man. Women have recently started to involve more in societies because of development of information, technology and education system and raising economic level of societies. This situation made the effect of man domination decrease significantly. It is especially seen that women recently trust themselves more and start entrepreneurship activities to gain economic independence. Technological advancements, increase in education levels and government policies aimed at women caused this situation. How was seen entrance of women into business life by man and which type of pressures were implemented to women entrepreneurs were needed to be as research topic, so this study was done. For this purpose, a survey which consists of 13 questions was prepared by making literature review. The questionnaire included both entrepreneurship qualities and difficulties which were faced by woman entrepreneurs. The questionnaire was conducted to those women who constructed a business in Adiyaman and Balikesir. It was reached 84 woman entrepreneurs who met the requirements and face to face questionnaires were conducted. Analyses were done by entering data to SPSS 20.0 program data file. Reliability of measurement (Cronbach’s Alpha) was seen as 0,818 in these analyses. It was seen that being innovative and having high self confidence are becoming prominent characteristics in question which is related to the qualities which must entrepreneurs have. It was also seen that they used mainly equity in establishment of their businesses. Also, KOSGEB and Micro credit possibilities were utilized by them. In addition, it was seen that woman entrepreneurs did not suffer oppression in establishment and operation of their businesses. It was seen that there is not significant differences between various demographic attributes with entrepreneur skills and oppression with initiative barriers of woman entrepreneurs. The result of this study is expected to promote and encourage woman entrepreneur candidates.    Keywords: Entrepreneurship, Entrepreneurial Characteristics, Women Entrepreneurs, Entrepreneurship suppression, Entrepreneurship Education.  ]]></dcterms:abstract>
    <dcterms:publisher><![CDATA[International Burch University]]></dcterms:publisher>
    <dcterms:date><![CDATA[2014-04]]></dcterms:date>
    <dcterms:extent><![CDATA[2643]]></dcterms:extent>
    <dcterms:identifier><![CDATA[ISSN 2303-4564     ]]></dcterms:identifier>
</rdf:Description><rdf:Description rdf:about="https://omeka.ibu.edu.ba/items/show/843">
    <dcterms:title><![CDATA[Creating Value for Leasing Service Customers on the Example of VB Leasing In the Market of Bosnia And Herzegovina]]></dcterms:title>
    <dcterms:abstract><![CDATA[The paper is aimed at analyzing the process of creating the customer value added in the area of leasing services, as well as at determining what the value added implies for leasing product customers. The leasing company&#039;s goal is to develop and maintain its client relations through creating the leasing service customer value added, and thus achieve increased business efficiency and an increase in its market share. The paper will analyze advantages and disadvantages of the leasing package, both from economic and from financial aspect of leasing. Leasing package development is based on the mutual economic interest of both lessor and lessee. The financial basis of leasing is financing, i.e. acquisition of given goods without engaging one&#039;s own capital and without entering a classic loan-based relationship. The paper will also discuss types of leasing that are the most frequent in Bosnia and Herzegovina market. In order to determine what represents the total value for the leasing service customer, for the paper purposes, we will conduct primary research pertaining to the importance of individual elements in dealing with a leasing company, and study the present customer satisfaction in dealing with leasing companies. Data will be collected through survey questionnaires with close ended questions based on the Likert scale from one to five. Survey questionnaire will comprise two parts: the importance of individual elements dealing with a leasing company and the present customer satisfactions in dealing with a leasing company. Each part will comprise five elements.  The respondents will be requested to rank each element according to importance in dealing with a leasing company. The questionnaire surveys will be distributed among leasing customers, legal and private persons in Bosnia and Herzegovina. 500 questionnaire surveys will be distributed. Besides the described primary data, the analysis will also use the secondary data of international and local organizations involved in analyzing the leasing market. The research will provide an insight into what affects the creation of the leasing service customer value added, and how it is reflected on the company&#039;s market share.  Keywords: operational leasing, financial leasing, service, customer value added, marketing.  ]]></dcterms:abstract>
    <dcterms:publisher><![CDATA[International Burch University]]></dcterms:publisher>
    <dcterms:date><![CDATA[2014-04]]></dcterms:date>
    <dcterms:extent><![CDATA[2642]]></dcterms:extent>
    <dcterms:identifier><![CDATA[ISSN 2303-4564     ]]></dcterms:identifier>
</rdf:Description><rdf:Description rdf:about="https://omeka.ibu.edu.ba/items/show/844">
    <dcterms:title><![CDATA[External Environment Analysis: A Focus on SME’s in the Republic of Macedonia]]></dcterms:title>
    <dcterms:abstract><![CDATA[External environment analysis during the last couple of decades has become one of the main issues in contemporary business organizations. The main objective of this paper is not to simply address the widely spread and accepted body of knowledge in the field of external environment analysis, but rather to provide a description insights regarding the implementation of the widely known techniques for external environment analysis by SME’s in the Republic of Macedonia, more particularly in the Pollog region . The paper is based on a practical questionnaire analysis of SME managers in the Republic of Macedonia and strives to provide insides regarding the degree to which external analysis is conducted by the companies and determine the main barriers influencing their implementation.    Keywords: external environment, techniques, SME, Macedonia.  ]]></dcterms:abstract>
    <dcterms:publisher><![CDATA[International Burch University]]></dcterms:publisher>
    <dcterms:date><![CDATA[2014-04]]></dcterms:date>
    <dcterms:extent><![CDATA[2615]]></dcterms:extent>
    <dcterms:identifier><![CDATA[ISSN 2303-4564     ]]></dcterms:identifier>
</rdf:Description></rdf:RDF>