"Scientific research" Almanac

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  IMPACT OF THE SCHEME FOR CO-FINANCING INSURANCE PREMIUMS ON THE DEVELOPMENT OF AGRICULTURAL INSURANCE IN BULGARIA

  This study presents the results of an empirical research conducted in 2015 on the impact of the scheme for co-financing insurance premiums on the development of agricultural insurance in Bulgaria. The main objective is to study the impact of the scheme for co-financing insurance premiums of farmers on the development of agricultural insurance in ... This study presents the results of an empirical research conducted in 2015 on the impact of the scheme for co-financing insurance premiums on the development of agricultural insurance in Bulgaria. The main objective is to study the impact of the scheme for co-financing insurance premiums of farmers on the development of agricultural insurance in Bulgaria. The thesis statement is that subsidizing farmers through co-financing insurance premiums, which is part of the Common Agricultural Policy of the European Union, changes the ways of offering agricultural insurance, streamlines the services offered to farmers using insurance, improves the communication between companies and farmers and facilitates the search for information and the purchase of agricultural insurance by farmers. Balanced subsidizing of insurance premiums will lead to an increase in the development of the insurance companies and the market as a whole, and hence to achieving their strategic goals successfully. The thesis statement is proved by solving the following major tasks: - the data showing the state of agricultural insurance in Bulgaria is systematized and analyzed; - the dynamics of the development of agricultural insurance for the period after the introduction of the scheme for co-financing insurance premiums is studied; - the expected benefits to farmers, insurance companies and the state from continuing and expanding the scope of the scheme for co-financing insurance premiums are highlighted. It was found that more and more farmers show interest in the scheme for co-financing insurance premiums and benefit from it. As a result, the scope of agricultural insurance increases substantially.

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  STATE AND PROSPECTS OF USING BANK CARDS AS PAYMENT INSTRUMENTS IN BULGARIA

  Modern payment systems, like all innovative solutions, strive to fully meet the technological capabilities and business requirements. Companies are increasingly using electronic tools as their primary means of payment and doing business. Today, the use of bank cards, electronic banking and online payment systems are the most preferred means for ... Modern payment systems, like all innovative solutions, strive to fully meet the technological capabilities and business requirements. Companies are increasingly using electronic tools as their primary means of payment and doing business. Today, the use of bank cards, electronic banking and online payment systems are the most preferred means for financial relationships between organizations, companies and citizens. This study aims to present the use of bank cards as one of the most promising tendencies in the development of electronic payments in the country. The main tasks of the study are to examine the current state and prospects for the implementation of bank cards in Bulgaria, the risks and problems facing these banking products, especially in the field of security, and to prepare SWOT and PESTEL analyses of this payment method. The main research thesis is that the new methods of electronic payments, including bank cards, mean provision of adequate banking services, maximally convenient and efficient for consumers, which increases their competitiveness. Based on the study, we can conclude that bank cards are becoming more prevalent in Bulgarian practice, but their application is related to solving a number of problems in terms of their security.

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  OPPORTUNITIES FOR CREATING PRACTICAL INNOVATION STRATEGIES IN BULGARIAN AGRARIAN BUSINESSES

  The study aims to evaluate the development opportunities of the strategic innovation potential of agrarian businesses, as a major factor in improving their competitiveness. In this context the following tasks are set: identifying barriers in the implementation of innovation as a means to increase competitiveness of Bulgarian agrarian businesses; ... The study aims to evaluate the development opportunities of the strategic innovation potential of agrarian businesses, as a major factor in improving their competitiveness. In this context the following tasks are set: identifying barriers in the implementation of innovation as a means to increase competitiveness of Bulgarian agrarian businesses; studying and evaluating the innovation potential in agrarian business on the example of the North Central Region; analyzing and assessing the readiness of agrarian businesses from the North Central Region to apply and develop innovations; outlining the possible strategies for developing the innovation potential of the respondents. The main thesis of the study is that because of the very specific nature of the agricultural sector production the competitiveness of agrarian businesses is highly dependent on the implemented innovation and innovation strategies. The study highlights the following conclusions/results: increasing the innovation potential of agrarian businesses is a factor to improve their competitiveness; in Bulgarian agribusinesses the focus is still inside the business structure and very rarely is directed outside to consumers and market demand; the prevailing sole proprietorships in agribusiness and reconciling the functions of owner and manager lead to underestimation of the need for a strategic approach to achieving long-term objectives; besides, a significant part of them do not set long-term goals.