"Scientific research" Almanac

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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.

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  MEASURING POVERTY IN BULGARIA: STATISTICAL ASPECTS

  Fighting poverty and social exclusion is among the biggest issues of modern social development and a priority of the social policy at both national and European level. The main goal of this paper is to explore the statistical dimensions of poverty in Bulgaria via theoretical justification and empirical analysis of the level, dynamics and ... Fighting poverty and social exclusion is among the biggest issues of modern social development and a priority of the social policy at both national and European level. The main goal of this paper is to explore the statistical dimensions of poverty in Bulgaria via theoretical justification and empirical analysis of the level, dynamics and determining factors of poverty for the period 2008–2017. The research thesis of the study is that the Gini coefficient and the multiple binary logistic regression models are appropriate analytical tools for analyzing the relationships and identifying the part of the population that is at risk of poverty and social exclusion. In this paper, we present the conceptual basis of poverty as a subject of the statistical analysis. We clarify the organizational and methodological aspects of the data provision. We have performed empirical analysis of the dynamics and factor relationships of poverty in Bulgaria on the basis of the statistical information, obtained from NSI and Eurostat. We have developed multiple regression models and estimated the socio-demographic conditions of poverty. The main results of the study can be summarized in several areas. The application of the statistical approach is a necessity for identifying the level and the factor relationships of poverty. The quantitative measure of poverty is based on comprehensive statistical information that is collected in accordance with the Eurostat methodology and adapted at a national level by the NSI. The dynamics of the Gini coefficient reveals that income inequality of the population is rising. The multiple logistic regression model states that the impact of the variables “gender”, “age” and “region” are statistically significant. The derived probabilities and odds ratios can be used in developing policies for poverty reduction.

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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.