OJS (University St. Kliment Ohridski)
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IS ARTIFICIAL INTELLIGENCE THE NEW TITANIC
Get PDFArtificial intelligence is turning into a new hype influencing heavily stakeholders’ expectations. Billions are spent and billions are pledged to speed up the research in that key area for overall human development. In the same time AI is presented as “just another technology” thus leaving aside its implication as agent of deep and profound societal and economic changes. Is it bound to become the new “Titanic” - a showcase for disaster due to improper regulation? Is present supervisory architecture able to address challenges posed by the AI? Should we adapt existing governance framework or seek innovative solutions? This paper is asking questions about AI supervisionin financial industry but suggests only partial answers since final decisions are to be addressed by holistic, societal approach
EFFECTIVE DEPOSIT INSURANCE SYSTEM FOR SMALL COUNTRY WITH CONCENTRATED BANKING SYSTEM – WITH SPECIAL EMPHASIS ON DEPOSIT INSURANCE FUND OF THE REPUBLIC OF NORTH MACEDONIA
Get PDFIt is accepted throughout the world that well designed deposit insurance is an important element in a national safety net for maintaining and extending the stability of the financial system. A key function of deposit insurance is to provide a credible safety net for depositors, which is beyond doubt, including in times of crisis. Still, the design and structure of a deposit insurance scheme (DIS) depends from numerous institutional, procedural and instrumental questions. The designs of DIS of course is important because every insurance scheme produces certain level of moral hazard and affect private market discipline, banking stability, financial development, and the effectiveness of crisis resolution. There are few characteristics of Macedonian banking system that must be taking in to account in order to determine optimal DIS for Republic of Macedonia: concentration of the banking system, ownership of Macedonian banks, supervisory regime and the nationality of depositors. This paper will analyze the best practices for DIS regarding their funding, the coverage ratio and their architecture. Our DIS is ex ante funded but doesn’t take in to account the riskiness of its members. In addition, the size of DIS, because of the concentration in the banking system, cannot cover fall of large or some of the medium banks, so the main question is how effective it will be as part of our safety net in such a case. These questions will be addressed through the developments in DIS after the financial crisis from 2008
REPRESENTING VOICES IN TOURISM – CROSS-CULTURAL ANALYSES
Get PDFThe main objective of this paper is through analysis and description of the language of tourism in the English and Macedonian to evaluate similarities and differences in the tourism communication and to highlight their cultural aspects. The accent is put on differences and similarities of both cultures that have their own realization through language interactions, where the subcultures and individual variables that motivate people to speak as they do, are deeply integrated. Following the basic principles of the ethnography of communication and its key components that are part of language interactions, the ethnographies observed showed existence of certain culturally specific similarities and differences in the communicative competence of the speakers of both languages. The differences in the ethnographies in the English and Macedonian language are due to the fact that the cultural systems of both languages are organized differently
IDENTITY AS A STRATEGY FOR AFFIRMATION OF THE TOURIST PRODUCT OF PRESPA
Get PDFThe complexity of tourism business that is the result of changes in requirements, tastes and expectations of a modern tourists contributes for global development of tourism market to and to be characterized by extreme competitiveness. In such conditions, tourist destinations management are focusing on the choice of strategies for achieving competitive advantage in the market. The strategy of creating tourist product identity is one of the strategies that today attracts more interest.
The purpose of identity is successfully position of the image of tourist enterprises and tourist destinations services in the minds of existing and potential tourists as target groups. Any tourism destination has its own identity which recognize and differentiate it fromcompetitors. Potential tourists differently perceive the identity of the tourist product of a resort. Destination with a strong positive identity is successfully positioned on the market. Based on this, the aim of the paper is to determine how recognizable the Prespa region is as a tourist destination on the market and what is its image among tourists.Given the anthropogenic and cultural values as well as the natural wealth of this region, promotional activities are a key tool with which these values will be positively perceived by potential tourists
EXPRESSION OF E- CADHERINE IN CANINE MAMMARY TUMORS
Get PDFReduction of expression of E-cadherin in canine mammary tumors has been correlated with invasive behavior, lymph node metastases and shorter survival period after tumor removal. The aim of this study was to examine the expression of E-cadherin in canine benign and malignat mammary tumors with different grade of malignancy. 38 canine mammary tumors were studied. In general, the percentage of positive stained cells was bigger in benign neoplasia and carcinomas with grade of malignancy The expression of E-Cadherin decreased with growth of the grade of malignancy. Among the groups of tumors of different grade of malignancy, statistical significant loss of expression of E-Cadherin was detected between benign lesions and carcinomas grade of malignancy II (p˂ 0,01), and between benign lesions and carcinomas III grade of malignancy (p˂ 0,01)
MANAGING INTRAOPERATIVE FLOPPY IRIS SYNDROME WITH I-RING PUPIL DILATOR
Get PDFBackground: Intraoperative floppy iris syndrome (IFIS) is characterized by iris prolapse through the intraoperative section, as well as by progressive intraoperative miosis during cataract surgery. Purpose: To estimate the effectiveness of I-Ring pupil dilator in patients that were treated with tamsulosin and having IFIS during cataract surgery. Method: Eighty patients were included in the study; 40 patients were without (control group) and 40 patients were treated with application of I-Ring mechanic pupil dilator intraoperatively. Pre- and postoperative best corrected visual acuity (BCVA), intraoperative and postoperative pupil diameter and complications were evaluated in each patient. Results: Intraoperative complications occurred in 40% and postoperative complications in 30% of patients in the control group. In the treated group there were no intra or postoperative complications. BCVA and pupil diameters were not significantly different among the two groups. Conclusion: I-Ring pupil dilators are highly effective for prevention of complications in patients with IFIS
USING FUZZY MULTI CRITERIA DECISION MAKING APPROACH FOR THE EVALUATION OF EFFICIENCY OF FREIGHT RAIL OPERATORS
Get PDFThe state railway deficit is enormous, and the issue of the efficiency of railway companies has become a reality in economic and political debates. Permanent rail deficits also indicate that the overcapacity in the entire industry, with the lack of efficiency of railways under the state administration, could be the main reason for the insufficient or negative return of invested capital. In times when there is a large public debt in the entire world, the state has a natural interest in adapting railway companies and making the capital allocated to them profitable. It is therefore of particular importance to restructure the railways and develop their competitive capabilities. The European Union is embarking on a comprehensive process of restructuring and commercialization of railway transport, which enables the reaffirmation and improvement of the quality of railway services and the efficiency of railways.The main objective of the European policy of rail transport is the development of a single railway area. The opening of railway sector to market competition imposes that railway undertakings behave like any other modern enterprises in other markets and in other industries. It means, they must constantly develop and maintain competitive advantages, and be better than others. In today\u27s very intense competition conditions this is the most difficult to achieve. The railway undertakings are challenged to find optimal solutions to operate efficiently and effectively, in order not only to survive on the transport market, but alsoto develop and maintain a competitive advantage. A wide range of criteria can be studied when it comes to the efficiency of railway undertakings. In most cases there are several criteria that are often mutually conflicting. The aim of this study is to define and evaluate the criteria that influence the efficiency of railway undertakings and increasing of their competitive ability and to propose a model for the evaluation of the effectiveness and efficiency of railway undertakings in order to increase the competitive ability. To solve the problem of indicators selection, it was experimented with one of the most used methods for making decisions today - Fuzzy analytic hierarchy process(FAHP)
WASTE MANAGEMENT SYSTEM AND REVERSE LOGISTICS OF TEŠANJ
Get PDFThe modern society is based on tested strategies in all spheres of its existence. We are living in a quite turbulent and rushing society. Those strategies are reflected in everything, among which we include the strategy of waste management systems which make the society profitable and sustainable. Talking and mentioning waste management is something relative new and it\u27s got popular the last few years in our society on the Balkans. Adequate waste management represents one of the major challenges that all urban environments are facing. We have seen the results that the western countries have done on this field, so the focus now is on the Balkan countries. It is necessary to manage this system in a way that will provide additional values, enable selective separation and recycling. Unfortunately, in this region this is rare, or a small percentage of waste is recycled. Our region is heading towards the EU integration, and one of the field that must and needs to be improved is the field of environment. Therefore, the purpose of this research is to analyze the current situation in waste management systems and greenlogistics in the municipality of Tešanj. The municipality of Tešanj is one of the most developed municipalities in Bosnia and Herzegovina. More than 45 000 people are living on the territory of municipality of Tešanj, and more than 12 000 of them are working on the territory. The purpose of this work is to show how a small municipality in B&H is dealing with the waste management. The residents are part of the interest group, which in deed has a lot it\u27s of influence on the efficiency of this system, so the emphasis in this research is precisely on that group. The age of the people who attended the survey was from the age of 15 to 60+. The process of gathering data was done selectively through a survey that was organized online. Some of the media sites from Tešanj gave their help to gather the data including one radio station. The analysis of the collected data confirmed that a large number of citizens take care of their waste, and have information how much it is important to take care about their waste. but also that there are certain problems which are reflected due to the absence of infrastructure, as well as the improvement of cooperation between the citizens and the utility company „RAD“ d.d. Tešanj with the municipality Tešanj as the local intermediator authority. The purpose at the end was to show how all residents in the municipality of Tešanj can and need to take care in their local community about the waste management, and if only one resident engage itself it can lead that more and more people engage, and in the end this leads to a safer and cleaner environment
CYCLISTS’ REAL PERCEPTION OF ROAD AND TRAFFIC CONDITIONS: THE ESTIMATION OF BICYCLE LEVEL OF SERVICE MODEL
Get PDFUnderstanding how to perceive the risk of riding based on real perceptions of cyclists is crucially important for promoting cycling as a sustainable form of transport. Previous researcheshave mainly used video simulations to survey riders about their riding behaviours and to gauge their perceptions about safety and their comfort level.Thus, the objective of this study is to identify the factors that significantly affect the comfort perception of the cyclists and to create a new Bicycle Level of Service model for urban street segments based on real perceptions of cyclists. This is especially the case for urban street segments in cities carrying heterogeneous traffic and without distinct segments of bicycle paths. The present paper describes, various operational and physical factors along with user perception data sets were collected from 13 road segments in the city of Pristina. For the estimation of a mathematical model for the Bicycle Level of Service, a linear regression model was used. Regression analyses are used in order to explain a dependent variable based on the relationship between a set of independent variables. Each of the data sets were entered one at a time into the statistical analysis package SPSS and the regression model was modified throughout the process by inserting all possible variables, running the regression and then examining the t-statistic for each of the variables. The resulting BLOS model has shown a high reliability for its applications in the urban street segments and has reported a high correlation coefficient (R) of 0.758 andsmall statistical error. Incorporating outputs of the regression model, a predictive equation is presented that can identify under what level a segment is offering services for bicycle use. This paperwork can serve the planners when developing urban planning to consider the need for creating the infrastructure for cyclists and safety conditions for accommodating cyclists in the urban road network
MANAGMENT OF CANINE TRANSMISSIBLE VENEREAL TUMOR, RETROSPECTIVE STUDY OF FIVE CASES
Get PDFTumors are the most common fatal disorders observed in animals. Nearly 16 to 24% of dogs deaths are associated with tumors. For many years, the surgical excision of tumors in animals was the only treatment technique. Canine transmissible venereal tumor (TVT), also known as transmissible venereal sarcoma and Stricker\u27s sarcoma, is a naturally occurring, horizontally transmitted infectious histiocytic tumor of dogs usually spread by coitus, but it may also be spread by licking, biting and sniffing tumoraffected areas. It has been observed occasionally in other canids, such as foxes, coyotes and jackals. It has also been known as infectious sarcoma, venereal granuloma, canine condyloma, transmissible sarcoma and transmissible lymphosarcoma. One of the goal of this study was to examinethe method of treatment that is most effective