"Scientific research" Almanac

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  TRENDS AND CHALLENGES TO MOTOR INSURANCE IN THE CONDITIONS OF DYNAMIC ECONOMIC DEVELOPMENT

  The present study focuses on the results of a survey on car insurance in Bulgaria carried out in 2018, under project No.6-2018 at the Institute for Scientific Research. The main objective of the survey is to outline the state of the motor insurance market in Bulgaria after the adoption of the Insurance Code. Emphasis is placed on the state and ... The present study focuses on the results of a survey on car insurance in Bulgaria carried out in 2018, under project No.6-2018 at the Institute for Scientific Research. The main objective of the survey is to outline the state of the motor insurance market in Bulgaria after the adoption of the Insurance Code. Emphasis is placed on the state and development of premium income and insurance benefits. The thesis is that motor insurance is a decisive factor for the formation of premium income and the development of insurance companies. The thesis has been proven by solving the following important tasks: - outlinå the state and trends in the development of the insurance market for the period 2005-2017; - outline the state and trends in the development of motor insurance for the period 2005-2017; - outline the relationship between the automotive sector and the motor insurance performance indicators for the period 2005-2017. Based on the study, the following important results were achieved: the rate of growth of premium income and insurance payments on the insurance market lagged behind that of the motor insurance. The pace of development of Casco insurance outpaced the pace of developing Motor Third Party Liability insurance. Proposals were formulated to solve the problems in the research findings. Within the survey period, the average insurance premium on motor insurance was on the increase, as well as the scope of motor insurance.

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  TERRITORIAL DIVISION OF BULGARIA - PROBLEMS AND PERSPECTIVES

  The new territorial division is one of the hottest topics in the country's regional policy. It is not accidental that they call it Pandora's box because regional and local authorities have issues related to Cohesion Policy instruments and their regional impact, which is difficult to be objectively assessed. The objective of the study is to ... The new territorial division is one of the hottest topics in the country's regional policy. It is not accidental that they call it Pandora's box because regional and local authorities have issues related to Cohesion Policy instruments and their regional impact, which is difficult to be objectively assessed. The objective of the study is to analyze the strengths and weaknesses of the different scenarios for a new territorial division of the country, to identify those that are most appropriate to the purposes of sustainable and balanced development and to formulate target-oriented development policies.The research thesis is that decisions for territorial division should be based on in-depth research with appropriate scientific tools, the results of which are considered to be objective criteria when defining the boundaries of territorial units. The tasks of the survey are: study of the legal framework of the territorial division in the EU and in the country; GAP analysis of existing territorial zoning, incl. asymmetries between existing planning regions; comparative analysis of options for a new territorial division; developing targeted development policies for the regions. All scheduled tasks are met. Five scenarios have been analyzed and a variant for territorial division is presented, which corresponds to the legislative framework and specifics in the country despite some weaknesses. Among the most important conclusions is the need to reach a political consensus on the balanced sustainable development of the country, which should be considered a medium and long-term priority objective.

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  IMPACT OF CONSUMER PROMOTIONS ON CUSTOMER-BASED BRAND EQUITY

  The present research paper outlines the effects of consumer promotions. Its subject is the type and frequency of effects of consumer promotions on customer-based brand equity dimensions. The leading role of consumer promotions within the communication mix, both nationally and globally, along with the lack of unambiguous evidence about their effect ... The present research paper outlines the effects of consumer promotions. Its subject is the type and frequency of effects of consumer promotions on customer-based brand equity dimensions. The leading role of consumer promotions within the communication mix, both nationally and globally, along with the lack of unambiguous evidence about their effect on brand equity as a top intangible asset, underlie the motivation of the current research. The present work aims to confirm the research thesis that consumer promotions can generate both positive and negative effects on customer-based brand equity depending on their type and frequency. The negative effects of monetary promotions, the positive effects of non-monetary promotions and promotions frequency on perceived quality and brand loyalty are estimated by structural equation modelling and finite mixture approach. The segmentation analysis provides estimates of the effects according to the degree of brand loyalty. According to the results, monetary promotions are more appropriate for the non-loyal segment, while non-monetary promotions are more appropriate for the loyal segment.