"Scientific research" Almanac

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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.

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  RESEARCH OF THE INFLUENCE OF FINANCIAL CRISIS ON THE MORTGAGE MARKET

  Bank lending is the main form for existence of the loans and mortgage loans had a key position. The rapid development of financial markets led to the creation of mortgage bonds and securitisation of loans. The large distribution of mortgage loans highly overpriced the property, and subprime mortgages are a precondition for the emergence of ... Bank lending is the main form for existence of the loans and mortgage loans had a key position. The rapid development of financial markets led to the creation of mortgage bonds and securitisation of loans. The large distribution of mortgage loans highly overpriced the property, and subprime mortgages are a precondition for the emergence of financial cris and transforming it into a global. The present work treats the mortgage lending – essence and factors; the market for mortgage loans in USA, Europe and Bulgaria in last 5 years; the condition and development of real estate market as research is supported by data from the practice of three lending commercial banks in Bulgaria - United Bulgarian Bank; DSK Bank and Unicredit Bulbank. The practical purpose of the research should not be ignored, it is found in the provided recommendations and conclusion about improvement of mortgage loans market and financial discipline of central and commercial banks.

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  MARKETING RESEARCH OF THE ORGANIC PRODUCTS MARKET IN BULGARIA

  The organic products are produced in accordance with certain standards of production. Through the most part of human history, agriculture could be qualified as organic. After 20-th century new and often not tested synthetic chemicals were offered, emphasized as improvements, introduced to all food products. This newer style of production is called ... The organic products are produced in accordance with certain standards of production. Through the most part of human history, agriculture could be qualified as organic. After 20-th century new and often not tested synthetic chemicals were offered, emphasized as improvements, introduced to all food products. This newer style of production is called “conventional” and in contrast to organic production the products are produced faster and easier. Within organic production the usage of conventional nonorganic pesticides, insecticides and herbicides is absolutely forbidden. At the moment European Union, United States, Canada, Japan and many other countries require from the producers to obtain special certificate in order to permit selling of food products as “organic” within their borders. At present 90 % of organic food produced in Bulgaria is exported to richer European countries. Bulgarian organic foods are mainly fruits (apples, peaches, cherries, strawberries, raspberries, plums, grapes for wine production), nuts (walnuts and almond), herbs and species (dill, anise, lavender and many others), as organic plant oil, tobacco, vegetables. There are lamb and beef organic meat on the market as organic jam and honey. As an addition large areas of wild lands are under certifying as organic and wild fruits, herbs, mushrooms are collected. It is considered that 60 % of raw products come from their collecting from wild nature. Organic rose oil, tobacco, wine, fruits are a huge potential for the country according to German specialists. This year the Ministry will support the organic farming and food production with ˆ12,6 millions. The purpose is to strengthen domestic market and to occupy new share on European market.