"Scientific research" Almanac

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  MODELING PROBABILISTIC CHOICES WHEN BUYING

  This study systematizes the theoretical foundations of mathematical modeling of consumer behavior in the choice process in the context of random utility theory. The main attention is paid to some aspects of econometric estimation of discrete choice models. The main thesis is that based on the theory of random utility, you can create tools for ... This study systematizes the theoretical foundations of mathematical modeling of consumer behavior in the choice process in the context of random utility theory. The main attention is paid to some aspects of econometric estimation of discrete choice models. The main thesis is that based on the theory of random utility, you can create tools for predictive analytics of demand. The aim of the study is to develop a transpar-ent and traceable analytical methodology for analyzing empirical data from stated preferences, providing opportunities for evaluating, analyzing and predicting consumer choice. To achieve this goal, a brief synopsis of the discrete choice theory was made, as well as a review of methods for evaluating and analyzing traditional econometric mod-els with discrete dependent variables. Particular attention is drawn to the problems in specifying adequate binary and multinomial regression models, which are the core of analytical tools, and whose evaluation and verification is feasible with the help of open source software. Systematizing achievements in the field, recommendations are given for using predictive models for solving marketing problems. Methods for predictive analytics of consumer choice are proposed, including output of aggregated forecast estimates, building of market simulators for predictive modeling of market share, as-sessment of willingness-to-pay and price elasticity at the level of product alternatives.

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  OPPORTUNITIES FOR OPTIMIZING THE REGIME OF PAYMENTS FROM THE STATUTORY PENSION INSURANCE FOR DISABILITY IN BULGARIA

  An attempt has been made to argue the thesis that in the conditions of an unfolding system of social payments and coordinated institutional interaction within the framework of social protection, there is a need to rethink the social philosophy of disability benefits provided by the statutory pension insurance. The study of opportunities for ... An attempt has been made to argue the thesis that in the conditions of an unfolding system of social payments and coordinated institutional interaction within the framework of social protection, there is a need to rethink the social philosophy of disability benefits provided by the statutory pension insurance. The study of opportunities for development of the organizational framework of public pensions for labour activity in case of disability, in the context of the systemic nature of social payments in Bulgaria, is also the main aim of the research, in the connection with which the following specific tasks are set: study of the theoretical and methodological aspects of social security and social protection systems in modern society; study of the practical and applied aspects of social security and social protection systems in modern society; study of the specifics of disability protection in the context of risk differentiation of social protection systems; study of the national identity and the social insurance profile of the disability protection in Bulgaria and assessment of the need and opportunities for development of the organizational framework of payments from the statutory pension insurance for disability in Bulgaria. The results of the research enable to outline guidelines for optimizing the organizational framework of payments from the statutory pension insurance for disability in Bulgaria with the potential to increase the level of pensions within the available resources.

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  THE INFLUENCE OF LEGALLY REGULATED TRAININGS ON THE PROFESSIONAL DEVELOPMENT OF INSURANCE BROKERS’ EMPLOYEES

  Insurance brokers are the preferred intermediary by consumers of insurance services in Bulgaria and their importance is constantly increasing. To ensure the necessary level of professional knowledge and skills, regulatory requirements for continuous professional training and development of the insurance brokers’ employees engaged in the ... Insurance brokers are the preferred intermediary by consumers of insurance services in Bulgaria and their importance is constantly increasing. To ensure the necessary level of professional knowledge and skills, regulatory requirements for continuous professional training and development of the insurance brokers’ employees engaged in the distribution of insurance products were introduced at the end of 2018 in Bulgaria. The purpose of this scientific research is to assess the impact of introductory training on the professional development of insurance brokers’ employees directly involved in the distribution of insurance products and to outline guidelines for conducting the legally required annual continuing trainings. To achieve this goal, the following tasks have been formulated: study of the importance of insurance brokers for the development of Bulgarian insurance market; outlining the preconditions for introduction of obligatory professional training of the insurance brokers’ employees, directly engaged in the distribution of insurance products; assessment of the satisfaction of insurance brokers’ employees from the introductory training conducted in 2019; outlining the guidelines for conducting continuing trainings for insurance brokers’ employees. The research thesis is that the continuous process of professional training and development of insurance brokers’ employees is a prerequisite for improving the quality of intermediary services, effective protection of insurance services consumers, sustainable development and reliability of the insurance market.