"Scientific research" Almanac

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  REASONS FOR THE CHANGES IN THE VOLUME AND QUALITY OF INDIVIDUAL CUSTOMERS' LOANS PROVIDED BY COMMERCIAL BANKS IN BULGARIA

  The high credit activities of commercial banks in Bulgaria as regards citizens and households just before the consequences of the global economic crisis, as well as the efforts of local people to maintain a quality standard of living, are the main reasons which increase the burden of individual customers’ loans in the loan portfolio of bank ... The high credit activities of commercial banks in Bulgaria as regards citizens and households just before the consequences of the global economic crisis, as well as the efforts of local people to maintain a quality standard of living, are the main reasons which increase the burden of individual customers’ loans in the loan portfolio of bank institutions. The worsening of economic indicators in the country after the beginning of 2009 forces the banking institutions to change their behaviour on the credit market and to seek effective ways to limit the ever increasing non-performing loans among the population. The purpose of the current study is to trace the tendencies in the change of volume and quality of the banks’ overall consumer loan portfolio for the period December 2006 – June 2012, and to outline the main reasons of the worsened quality of loans extended to individuals for current needs by the local commercial banks.

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  RESEARCHING VARIATIONS IN THE MARKET TREND BY USING INDICATORS FOR TECHNICAL ANALYSIS

  Technical analysis is one of the two approaches used for investment analysis of financial markets. It comprises diverse graphical and quantitative tools, which are applied in researching the price deviation of financial instruments. This research paper focuses on the indicators that are applied to forecast short-term price variations of financial ... Technical analysis is one of the two approaches used for investment analysis of financial markets. It comprises diverse graphical and quantitative tools, which are applied in researching the price deviation of financial instruments. This research paper focuses on the indicators that are applied to forecast short-term price variations of financial instruments.

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  NEOCLASSICAL AND INSTITUTIONAL SYNTHESIS OF HOUSEHOLDS

  The paper presents a study on households as subjects of economic relations in terms of the institutional and neoclassical synthesis. Households are considered a pri-mary component of the economic system, as well as objectively necessary and relatively autonomous economic entities. The neoclassical synthesis deals with two main charac¬teristics of ... The paper presents a study on households as subjects of economic relations in terms of the institutional and neoclassical synthesis. Households are considered a pri-mary component of the economic system, as well as objectively necessary and relatively autonomous economic entities. The neoclassical synthesis deals with two main charac¬teristics of both individuals and households – their rationalism and sovereignty – as key factors of their behaviour in a market economy. In response to the shortcomings of the neoclassical theory, the institutional approach focuses on the norms, rules and stereo¬types that govern human behaviour in real life. The analysis of households as functional socio-economic entities requires a combination of the concepts of neoclassical and in¬stitutional approaches.