"Scientific research" Almanac

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  METHODOLOGY FOR DEVELOPING A REGIONAL MARKETING PROFILE OF THE PERIPHERAL DISTRICTS IN NORTH-EASTERN DANUBIAN REGION

  The study discusses marketing approach as a kind of catalyst for regional development, since it focuses on the relation between regional competitive advantages and interests, preferences and needs of the target markets for the region. The main objective of the study is to present the characteristics of the regional marketing profile of the ... The study discusses marketing approach as a kind of catalyst for regional development, since it focuses on the relation between regional competitive advantages and interests, preferences and needs of the target markets for the region. The main objective of the study is to present the characteristics of the regional marketing profile of the peripheral municipalities as an innovative approach in local government through which to promote the attraction of exogenous and endogenous entrepreneurial and investment interest. The main research thesis is that the development of a regional marketing profile is an innovative practice which will support local economic development by encouraging the process of attracting foreign direct investment and increasing local entrepreneurial interest; all of these will contribute to a stronger involvement of local stakeholders towards endogenous development and will increase regional competitiveness. The results are: the study specifies the measures for the implementation of marketing approach in the practice of regional development in our country, focusing on the ‘local comparative advantages – preferences, interests and needs of the regional target markets’ relation. The development of regional marketing profile is directed to satisfying the information needs of local and foreign entrepreneurs and investors and to positioning a territorial unit in their minds as a desirable location for doing business.

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  COMPULSORY INSURANCE UNDER MARKET CONDITIONS

  Insurance is a specific business and as such it has its own regulations. Voluntary insurance is a rule the exception of which is namely the introduction of compulsory insurance. Compulsory insurance is introduced on the one hand, when there is a high risk of violating the public interest, and on the other hand, when the performance of professional ... Insurance is a specific business and as such it has its own regulations. Voluntary insurance is a rule the exception of which is namely the introduction of compulsory insurance. Compulsory insurance is introduced on the one hand, when there is a high risk of violating the public interest, and on the other hand, when the performance of professional duties of certain categories of individuals is associated with the risk of violating the rights of others. The purpose of this study is to highlight the positive features of compulsory insurance and to outline the basic organizational principles for its implementation. The main thesis advocated in the study is that compulsory insurance is not an obligation only of the insurer, but it is also the right of users of insurance services, ensuring security to carry out compulsory insurance under competitive market conditions. The thesis is proved through the task to investigate the current state of compulsory insurance as general conditions and market positions. The study achieves the following outcomes: an opportunity to identify practices in this area is provided; combining the scientific research and empirical dimensions of the issues defined regarding the principle of integration between the expertise of the academic staff of two departments of the Academy of Economics, the creativeness of doctoral students and the fresh ideas of students.

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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.