Anali Ekonomskog fakulteta u Subotici最新文献

Effects of the NPL on the banks' profitability during the COVID-19 pandemic: The case of the Republic of Serbia COVID-19大流行期间不良贷款对银行盈利能力的影响:以塞尔维亚共和国为例

Anali Ekonomskog fakulteta u Subotici Pub Date : 2023-01-01 DOI: 10.5937/aneksub2300018m

Nebojša Malenković

{"title":"Effects of the NPL on the banks' profitability during the COVID-19 pandemic: The case of the Republic of Serbia","authors":"Nebojša Malenković","doi":"10.5937/aneksub2300018m","DOIUrl":"https://doi.org/10.5937/aneksub2300018m","url":null,"abstract":"During the pandemic caused by the new SARS-COV2 virus, the country's economic performance is lower than before the health crisis. The global health crisis has directly and indirectly affected the economic and financial indicators of almost all countries. Regardless of state financial aid, which inevitably prevented the collapse of the national economy and financial markets, certain economic sectors are still facing the consequences of the crisis. One of the reasons for the lower financial performance of countries in this period is the insufficient readiness of banks to deal with non-profitable loans. This study aims to consider the profitability of the banking sector concerning non-profitable loans in Serbia during the pandemic, using the methods of description, deduction, and regression. In addition, a comparison method was used to assess the ability of banks to deal with non-profitable loans during the previous global financial crisis. For statistical data processing, the official data of the National Bank of Serbia was extracted from the statistical section, as well as from annual and periodic reports. A linear regression model was used to measure the effect of the NPL on the banks' profitability in the period 2008-2021, after the regression assumptions had been successfully tested (such sample adequacy, distribution symmetry, and multicollinearity). Non-profitable loans, income from interest, ROA, and ROE are the variables used in regression modelling. The results showed that non-profitable loans do not have a statistically significant effect on banks' profitability","PeriodicalId":33873,"journal":{"name":"Anali Ekonomskog fakulteta u Subotici","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"71197951","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}

引用次数: 0

Analysis of development and effects of electronic trade in Serbia based on SF-TOPSIS and TOPSIS methods 基于SF-TOPSIS和TOPSIS方法的塞尔维亚电子贸易发展及效果分析

Anali Ekonomskog fakulteta u Subotici Pub Date : 2023-01-01 DOI: 10.5937/aneksub2300023l

R. Lukić

{"title":"Analysis of development and effects of electronic trade in Serbia based on SF-TOPSIS and TOPSIS methods","authors":"R. Lukić","doi":"10.5937/aneksub2300023l","DOIUrl":"https://doi.org/10.5937/aneksub2300023l","url":null,"abstract":"The issues of measuring and analysing the development dynamics and effects of electronic trade are currently topical, significant and complex in any country, including Serbia. In the observed period from 2017 to 2021, according to the obtained empirical results based on the SF TOPSIS method, the largest number of trading companies introducing e-business (IT technology) and e-trading appeared in Serbia in 2017. According to the obtained empirical results based on the classical TOPSIS method, the largest number of trading companies introducing e-business (IT technology) and e-trading was recorded in Serbia in 2019. The following is the ranking according to the SF-TOPSIS method: 2021, 2018, 2019 and 2020. The ranking according to the TOPSIS method is as follows: 2020, 2021, 2018 and 2017. The digitalisation factors of overall business operation of trade industry in Serbia are the global trend and requirements, degree of development of contemporary IT technology and the possibility of application in all the segments of trading operations, the economic climate, financial opportunities, entry of international retail chains, development of multichannel sale-classic and e-retail facilities, around-the clock business operations without time and geographical barriers etc. Considering the positive effects, significantly more should be invested in new information and communication technology in the future.","PeriodicalId":33873,"journal":{"name":"Anali Ekonomskog fakulteta u Subotici","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"71198073","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}

引用次数: 0

Key determinants of consumers' decision making on the purchase of wristwatches on the Serbian market 决定消费者在塞尔维亚市场购买手表的关键因素

Anali Ekonomskog fakulteta u Subotici Pub Date : 2023-01-01 DOI: 10.5937/aneksub2300021n

Daniela Nuševa, Radenko Marić, Goran Vukmirović, Nikola Macura

{"title":"Key determinants of consumers' decision making on the purchase of wristwatches on the Serbian market","authors":"Daniela Nuševa, Radenko Marić, Goran Vukmirović, Nikola Macura","doi":"10.5937/aneksub2300021n","DOIUrl":"https://doi.org/10.5937/aneksub2300021n","url":null,"abstract":"The COVID-19 pandemic and other global challenges that have appeared in the past years have caused market transformation and crucial changes on the demand side, forcing manufacturers and retailers to rethink their sales and marketing strategies. In particular, high-frequency durable consumer products such as wristwatches have proven to be sensitive. This paper aims to analyze the consumers' needs and define the indicators that directly influence the decisions to buy wristwatches in the Serbian market. The research was organized in two phases. Theoretical research has identified indicators influencing purchase decisions, such as price, brand, design, ease of use, and warranty. Empirical research examined their influence on the purchase decision depending on different segments of respondents: gender, age, education, and employment status. The obtained results showed significant differences as to how the mentioned indicators influence the purchase decision, depending on the demographic indicators. According to these results, a series of measures was proposed to improve the sales and marketing strategy for placing wristwatches on the Serbian market. Guidelines for future research are outlined in the paper.","PeriodicalId":33873,"journal":{"name":"Anali Ekonomskog fakulteta u Subotici","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"71198016","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}

引用次数: 0

The analysis of job characteristics leading to high job satisfaction in Romania 罗马尼亚高工作满意度的工作特征分析

Anali Ekonomskog fakulteta u Subotici Pub Date : 2023-01-01 DOI: 10.5937/aneksub2300027k

Kinga Kerekes, M. Zaharie, P. Rațiu

引用次数: 0

The COVID-19 pandemic and its effect on human capital and financial performance: Evidence from Serbian banks COVID-19大流行及其对人力资本和财务绩效的影响:来自塞尔维亚银行的证据

Anali Ekonomskog fakulteta u Subotici Pub Date : 2023-01-01 DOI: 10.5937/aneksub2300022p

Goran Pavlović

{"title":"The COVID-19 pandemic and its effect on human capital and financial performance: Evidence from Serbian banks","authors":"Goran Pavlović","doi":"10.5937/aneksub2300022p","DOIUrl":"https://doi.org/10.5937/aneksub2300022p","url":null,"abstract":"Human capital holds significant importance for banks, as it includes specific knowledge and skills. It serves as a crucial determinant of financial performance. However, human capital is susceptible to various factors that can exert negative effects. The COVID-19 stands as one such factor, necessitating bank restructuring and potentially resulting in a depreciation of human capital value and subsequent performance decline. The objective of the research is to investigate the influence of the COVID-19 pandemic on the human capital of banks in the Republic of Serbia and evaluate its implications on financial performance. The research spanned across all banks operating in the Republic of Serbia throughout the period of 2019 to 2021. The Wilcoxon Signed Rank test was employed to assess the difference in human capital value over the observed period. Furthermore, the regression analysis was implemented to investigate the impact of human capital on ROA, ROE, and NPM. Results showed that COVID-19 pandemic has led to a decrease in the value of human capital in banks in the Republic of Serbia. The financial performance of banks is positively influenced by human capital in the short term. However, over the long term, the value of human capital depreciates, resulting in a diminishing impact on financial performance.","PeriodicalId":33873,"journal":{"name":"Anali Ekonomskog fakulteta u Subotici","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"71198026","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}

引用次数: 0

Challenges of using digital technologies in audit 在审计中使用数字技术的挑战

Anali Ekonomskog fakulteta u Subotici Pub Date : 2023-01-01 DOI: 10.5937/aneksub2300014v

B. Vuković, Teodora Tica, D. Jakšić

引用次数: 2

Conceptual model of key predictors and consequences of customer satisfaction 顾客满意的关键预测因素和结果的概念模型

Anali Ekonomskog fakulteta u Subotici Pub Date : 2023-01-01 DOI: 10.5937/aneksub2300024d

Nađa Đurić

{"title":"Conceptual model of key predictors and consequences of customer satisfaction","authors":"Nađa Đurić","doi":"10.5937/aneksub2300024d","DOIUrl":"https://doi.org/10.5937/aneksub2300024d","url":null,"abstract":"Satisfied customers represent an important resource for a company. So far research has shown that customer satisfaction has an impact on the return on investment, the growth of the company's market share, and shareholder value. The importance of research on customer satisfaction is seen in the fact that it most often leads to loyalty, which represents an important prerequisite to a company's long-term profitability. In line with the significance of these two concepts in companies' success, the topics of this research are the determinants of customer satisfaction and the relationship between satisfaction and loyalty. The goal of the research is the identification of key variables and the measurement of their respective impact on customer satisfaction. An adapted expectancy-disconfirmation model was used for the identification of key determinants. Satisfaction was viewed as a function of customer expectations and perceived product performance, and an additional component, the company's image. This research was carried out on the territory of the Republic of Serbia through an online survey. The obtained conclusions can help companies in Serbia to better the quality of provided services, with the end goal being achieving an agreeable level of customer satisfaction and loyalty, and with it, higher profitability.","PeriodicalId":33873,"journal":{"name":"Anali Ekonomskog fakulteta u Subotici","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"71198086","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}

引用次数: 0

The impact of inflation and interest rates on real estate indices in the US and EU 通胀和利率对美国和欧盟房地产指数的影响

Anali Ekonomskog fakulteta u Subotici Pub Date : 2023-01-01 DOI: 10.5937/aneksub2300025c

Danica Cicmil

引用次数: 0

Residential real estate analysis in Serbia 塞尔维亚住宅房地产分析

Anali Ekonomskog fakulteta u Subotici Pub Date : 2023-01-01 DOI: 10.5937/aneksub2300019m

Vesna Martin

引用次数: 0

The impact of low interest rates on the insurance companies' portfolio composition in EU countries 低利率对欧盟国家保险公司投资组合构成的影响

Anali Ekonomskog fakulteta u Subotici Pub Date : 2023-01-01 DOI: 10.5937/aneksub2300015l

Stevan Luković, M. Pjanić, Božidar Čakajac, Mirela Mitrašević

引用次数: 0