"Scientific research" Almanac

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  CHALLENGES TO INSURANCE INTERMEDIARIES IN THE CONDITIONS OF NEW REGULATIONS

  The present study presents the results of a survey conducted by insurance intermediaries in Bulgaria in 2017 and carried out under project ¹ 4-2017 of the Institute for Scientific Research. The main objective of the survey is to outline the situation and the opportunities for improving the activity of the insurance intermediaries in compliance ... The present study presents the results of a survey conducted by insurance intermediaries in Bulgaria in 2017 and carried out under project ¹ 4-2017 of the Institute for Scientific Research. The main objective of the survey is to outline the situation and the opportunities for improving the activity of the insurance intermediaries in compliance with the European Union regulations. The argument is that insurance intermediaries are a determining factor for the development of insurance companies. Proving the thesis has been achieved by solving the following important tasks:indication of the need and importance of insurance intermediaries; systematized and analyzed data showing the state of mediation activity in Bulgaria for the period 2007-2016; the conditions for registration and deletion of the insurance broker. Insurance brokers in Bulgaria have been found to be important in the formation of premium income. The pace of development of the insurance market lags behind the pace of development of insurance brokers. The pace of development of insurance agents lags behind the pace of development of insurance brokers. The pace of development of insurance agents- natural persons lags behind the pace of development of insurance agents. The rate of growth of premium income realized by insurance brokers in the non-life insurance sector lags behind the rate of growth of premium income realized by insurance brokers in the life insurance sector.

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  DEPOPULATION IN CENTRAL NORTHERN BULGARIA AND OPPORTUNITIES FOR DEVELOPMENT OF ALTERNATIVE TOURISM

  The process of depopulation over the last decades in some regions of our coun¬try has become a particularly serious problem and, in addi¬tion, a challenge for the de¬velopment of Bulgarian society. In the present study, attention is focused on depopula¬tion in the mountainous and semi-mountainous parts of Central Northern Bulgaria and the ... The process of depopulation over the last decades in some regions of our coun¬try has become a particularly serious problem and, in addi¬tion, a challenge for the de¬velopment of Bulgarian society. In the present study, attention is focused on depopula¬tion in the mountainous and semi-mountainous parts of Central Northern Bulgaria and the alternative tour¬ism as a factor for its limitation. The main objective of this study is to examine the nature of depopulation as a social phenomenon with its neg¬ative effects on society and the economy. The goal is achieved by solving the following tasks: analy¬sis of the theoretical research in the field of depopulation; chronological and compara¬tive analysis of the current state of settlement network and the process of depopulation and demographic forecasting; identifying opportunities for limiting the depopulation pro¬cess through forms of alternative tourism. The main thesis is that depopu¬lation as a social phenomenon leads to depopulation of settlements and entire territories; special attention has to be drawn on the need for a spe¬cific and responsible regional policy. Issues such as: gender-age struc¬ture, negative natural growth, migratory attitudes, isola¬tion of small set¬tlements, poorly built transport infrastructure, good prerequisites for the development of alternative tourism, higher degree of development of the tourism sector in municipalities and settlements and insufficient number of development programmes for the surveyed area have been highlighted.

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  YOUTH, UNIVERSITIES AND BUSINESS – KEY PARTNERS IN ACHIEVING THE GLOBAL SUSTAINABLE DEVELOPMENT GOALS

  Sustainable development is a guarantee against the challenges of today’s world. The idea is not new, it is evolving, presented at the beginning of the 21st century by Millennium Development Goals by 2015 and Sustainable Development Goals 2030 (UN 2015, 17 goals, 169 targets, 193 countries). The Agenda 2030 is the first agreement that provides for ... Sustainable development is a guarantee against the challenges of today’s world. The idea is not new, it is evolving, presented at the beginning of the 21st century by Millennium Development Goals by 2015 and Sustainable Development Goals 2030 (UN 2015, 17 goals, 169 targets, 193 countries). The Agenda 2030 is the first agreement that provides for global action and affects all countries’ internal policies. World forums in 2016 stated that Global Sustainable Development Goals are not recognized by all stakeholders. The defined sustainable development goals and the related targets balance three dimensions – environmental, social and economic in areas such as poverty, inequality, food security, health, sustainable consumption and production, economic growth, employment, infrastructure, nature utilization, climate, as well as gender equality, peaceful and inclusive societies. Education plays a vital role in implementing the Global Sustainable Development Goals by 2030 (Goal 4). Universities are becoming powerful centres that provide young people with knowledge, skills and competence to be responsible leaders in the future. Educational and scientific centers are becoming incubators of ‘knowledge’ that is necessary for the creation of innovations, which are to be implemented by businesses. In response to the social, economic, environmental and managerial challenges facing the society, the research team focused on the key partnerships in the ‘Youth – Universities – Businesses’ triad as an instrument for the implementation of the Global Sustainable Development Goals.