"Scientific research" Almanac

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  PRINCIPLES FOR RESPONSIBLE MANAGEMENT EDUCATION – A CONCEPT TO BE INTERTWINED IN ECONOMICS, MANAGEMENT AND ADMINISTRATION CURRICULA

  The findings about the ineffective link between education and business highlight the need for closer contacts between educational institutions and all entities interested in the process of forming the image of an efficient and socially responsible manager, meeting the requirements of the globalizing business in the XXI century. The purpose of ... The findings about the ineffective link between education and business highlight the need for closer contacts between educational institutions and all entities interested in the process of forming the image of an efficient and socially responsible manager, meeting the requirements of the globalizing business in the XXI century. The purpose of the study is to reveal the opportunities for applying the principles of responsible management through introducing new elements in the education in economics, administration and management in order to create knowledge and skills for leadership and socially responsible management. Main tasks: studying the opportunities for intertwining the PRME in the curricula; specifying margins for improving formal and informal education; presenting good practices. The object of study is the principles of responsible education in management and their intertwining in the curricula of the studied disciplines. The subject of study is the theoretical and practical forms of education in economics, management and administration through which students acquire knowledge, skills and competences as a result of applying the principles of responsible management education. The intertwining of the principles of responsible management education into the theoretical and practical preparation of students in the areas of economics, administration and management is a prerequisite for the preparation of leaders that are responsible for the future is the thesis that is defended.

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  ASSESSMENT OF FACTORS INFLUENCING THE AMOUNT AND MATURITY PROFILE OF BANK CONSUMER LOANS IN BULGARIA

  Over the last two decades there has been a substantial increase in theoretical and practical-applied research into the impact of key determinants on the consumer loans that banks offer. Their profitability and credit risk level depend on the optimum structuring of credit transactions. Of course this statement should not contradict the compliance ... Over the last two decades there has been a substantial increase in theoretical and practical-applied research into the impact of key determinants on the consumer loans that banks offer. Their profitability and credit risk level depend on the optimum structuring of credit transactions. Of course this statement should not contradict the compliance with the following two principles: 1) The amount and the term of the bank loan must fully comply with the actual need for funding, and 2) The value of the debt must be ‘secured’ with a sufficient level of creditworthiness. In this paper, the authors commit themselves to a thorough examination and assessment of key factors influencing the maturity structure and the amount of bank consumer loans in Bulgaria. Through a survey they aim to analyze and assess the priority of key determinants that affect the credit policy on the basis of individual opinions of bank experts directly involved in granting consumer loans.

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  APPROACHES AND MODELS FOR MEASURING AND MANAGING COMMERCIAL BANKS LIQUIDITY

  The problems related to liquidity management and maintaining optimal levels of liquid assets of banks have become very topical and have stirred the interest of both the regulatory bodies and researchers in the field of banking and the general public. The pertinence of these problems arises from the importance of banks for the economic development ... The problems related to liquidity management and maintaining optimal levels of liquid assets of banks have become very topical and have stirred the interest of both the regulatory bodies and researchers in the field of banking and the general public. The pertinence of these problems arises from the importance of banks for the economic development of the national economies on the one hand, and from the possibility for transformation of banking problems into sectoral, national and international financial crises, on the other. The integration and the high level of interdependence of the economies worldwide are the key factors for accumulation of covert negative effects, which may trigger crises under certain conditions.