"Scientific research" Almanac

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  PERSONAL FINANCE - THE PRIMARY UNIT OF THE FINANCIAL SYSTEM

  The implementation of the project “Personal Finance – the primary unit of the financial system” allowing to indentify the specific of personal finance areas of their formation and their relationship with other elements of the finan¬cial system. Conducted inquiry research found status and trends of a personal income and expenses and the ability of ... The implementation of the project “Personal Finance – the primary unit of the financial system” allowing to indentify the specific of personal finance areas of their formation and their relationship with other elements of the finan¬cial system. Conducted inquiry research found status and trends of a personal income and expenses and the ability of individuals to manage personal cash flows. The main thesis of research: Personal finance has a specific link to other elements of the financial system; depends on the cyclical nature of economic process; has a direct impact on the macroeconomic framework and requires specific personal knowledge to improve management efficiency” is proven. In the process of realization management’s personal finance is develop and the Center on management of the personal finance to the department “Fi¬nance” is build.

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  INTEGRATION OF ECOLOGICAL AIMS IN THE LOCAL DEVELOPMENT POLICY ANT REGIONAL PLANNING IN BULGARIA

  The aim of this study is to be developed and approved methodology for integrating äî global environmental objectives into local development policy and spatial planning in Bulgaria. Object of research are the main documents of the United Nations, EU and national programs concerning environmental objectives and the methodology for regional ... The aim of this study is to be developed and approved methodology for integrating äî global environmental objectives into local development policy and spatial planning in Bulgaria. Object of research are the main documents of the United Nations, EU and national programs concerning environmental objectives and the methodology for regional planning on the level of planning regions, districts and municipalities. Subject of study is the adaptation of global environmental objectives in a framework methodology for planning and assessing the environmental impact of Structural Fund projects applicable to the creation of integrated products for local economic development. In the course of the study were examined key documents related to climate change, biodiversity, desertification and the need of their integration in the regional and local development. Training techniques are proposed, suitable for both municipal employees and civil society organizations. They are the basis for developing a training program to Centre for post-graduate and continuing education.

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  OPTIMIZING THE EFFECTIVENESS OF DIRECT MARKETING CAMPAIGNS USING DATA MINING

  In this article several data mining models, together with the conventional RFM model, are designed and applied for optimizing the effectiveness of direct marketing campaigns. Regardless of its popularity as a means for generating “optimal” target lists, RFM analysis is far from optimal solution. Applied on empirical data for one-year activities of ... In this article several data mining models, together with the conventional RFM model, are designed and applied for optimizing the effectiveness of direct marketing campaigns. Regardless of its popularity as a means for generating “optimal” target lists, RFM analysis is far from optimal solution. Applied on empirical data for one-year activities of an e-shop of electronic and home appliance technique, all data mining models surpass RFM model in predictive performance.