Poslovna ekonomija

CAPITAL BUFFERS AND LENDING DURING A CRISIS: CASE OF SERBIA

2025-08-29T19:01:28+02:00

Capital buffers ensure that banks will have the capacity to absorb any losses in the event of a financial crisis. Maintaining capital buffers at a high level enables banks to continue lending during times of crisis, protecting the stability of the financial system. On the other hand, banks may decrease lending activity in order to maintain capital adequacy if capital buffers are established at a low level, which could exacerbate the economic downturn. To guarantee economic recovery, it is therefore essential to find a balance between establishing and maintaining financial stability and credit activity during times of crisis. The capital buffers that banks in the Republic of Serbia have been required to set aside since Basel III was implemented will be analyzed in this paper along with an examination of the lending activity trend during times of crisis, including the coronavirus pandemic, the energy crisis, high inflation, and significant geopolitical tensions. As loan activity recovered, the research revealed that the Republic of Serbia's banking sector kept adequate capitalization during periods of severe crisis.

EXPLORING THE RELATIONSHIP BETWEEN CHARACTERISTICS OF EXTERNAL COMMUNICATION AND USER EXPERIENCE - CASE OF UPWORK FREELANCING PLATFORM

2025-08-29T19:01:29+02:00

The aim of this research was to examine the relation between different communication channels, response times and user experience on the online platform Upwork. The sample included 300 users of the platform who assessed satisfaction, efficiency, and trust in service providers based on interactions through various communication channels (Upwork platform, email, video calls, and instant messaging). The results of the correlation analysis showed a significant correlation between satisfaction and efficiency and between satisfaction and trust, while the relationship between efficiency and trust was also positive and statistically significant. ANOVA showed that there was a significant difference in the average level of customer satisfaction between different communication channels. A regression model for predicting satisfaction based on response time and choice of communication channels showed that shorter response times and the use of video calls significantly contributed to higher satisfaction. The results indicate that choosing the right communication channel and response speed can play a key role in improving the user experience on online platforms.

Engleski The impact of budget deficits on GDP in EU countries from 2000 to 2022

2025-08-29T19:01:29+02:00

The budget deficit is a topic that has a significant impact on economic development and stability. It occurs when government spending exceeds revenues, which usually leads to borrowing in order to cover the difference. The deficit can have both positive and negative effects, depending on how it is used and the current economic situation. This scientific paper investigates the impact of budget deficits on GDP in EU countries. The research was conducted for the period from 2000 to 2022. The aim of the study is to assess the impact of budget deficits on GDP by reviewing relevant literature and using a statistical model, specifically the GLS model in the STATA software package. In addition to budget deficits as the independent variable, the variables of inflation, healthcare, unemployment, and savings were also used. Based on the conducted research, a significant positive impact of budget deficits on GDP in EU countries was determined. Other potential factors that could have an impact were not included in the model, which may lead to bias due to omitted variables. Although the research employed advanced techniques for panel data and addressed challenges such as unbalanced panels and the presence of heteroscedasticity and autocorrelation, remaining effects may still influence the results. Future studies could include more macroeconomic variables, such as interest rates, trade balances, and the structure of public debt.

LEGAL FRAMEWORK OF EMERGENCY SITUATIONS IN THE AUTONOMOUS PROVINCE OF VOJVODINА

2025-08-29T19:01:29+02:00

Emergency situations are an element of every state and society, including the Republic of Serbia and its Autonomous Province of Vojvodina. Whether triggered by natural disasters or human actions, such crises result in significant loss of life, severe environmental damage, and substantial material losses. Defining an adequate legal framework for emergency situations is a key element of managing emergency situations and protecting the population from various threats, including natural disasters, technological breakdowns, epidemics and various social conflicts. The subject of research in this paper is emergency situations, more precisely, the analysis of legal regulations related to emergency situations in the territory of the Autonomous Province of Vojvodina, with an emphasis on the Law on Disaster Risk Reduction and Emergency Management. The positive legal method and the logical methods of induction and deduction were used in the analysis.

The Role of Artificial Intelligence in Tourism Marketing - Brief Overview of Serbian Situation

2025-08-29T19:01:29+02:00

In recent years, the dynamic development of information and communication technology had a huge impact on marketing. Today, we are witnessing a new revolutionary transformation: artificial intelligence (AI) is revolutionizing the world of business, education, healthcare, tourism, marketing, etc. AI is already an integral part of our present, and can be applied in many areas. New opportunities are also opening up in the world of tourism marketing. In this study, some of the most important opportunities for the use of AI in marketing and tourism marketing are presented, also the situation in Serbia is presented, i.e. where is the use of AI in the country in general and in the field of tourism marketing.