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Information Requirements as a Mechanism of Protection of Financial Services Users - Advantages and Limitations
Get PDFThis paper analyzes the information obligations as one of the instruments of consumer protection created in European consumer law. As a result of the fulfullment obligation of approximation of laws with ascquis, this instrument takes a important place in the new Act on the Protection of Financial Services Users in Fedaration Bosnia and Herzegovina. Directive 2008/48/EC on cosumer credit agreements is based on the information approach, which assumes that only the informed consumer can make an informed choice and make responsible financial decisions. This approach follows the domestic legislature in terms of a comprehensive, standardized and highly detailed regulation of obligations to inform users at the pre-contractual stage and once the contract has been concluded. The purpose of this instrument is to empower financial services user, to fill the information gap and make him more equl to counterparty, because of intangibile nature of financial service everithing that consumer has is information. But other than that this instrument has a broader role and that is to preserve stability of financial sector as it enables the implementation of the principles of responsible borrowing and preventing over-indebtedness. The aim of this paper is to critically examine the provisions of the Act on the Protection of Financial Services Users, which regulates the obligation to inform, and consequently point to the advantages and disadvantages of new solutions in view of the financial literacy problem faced by a large number of users
Effective Protection of BiH Consumers from Unsafe Products and Streamlining the Export of BiH Products on the Regional and EU Markets
Get PDFSummary: The immediate objective and key problem this research aims to address is lack of current and unique policy on general product safety, particularly in the area of technical industrial products, which leads to fact that the BiH is the only European country which does not regularly apply assessment of conformity of domestic and imported products with legally binding technical requirements before these products are placed on the market. In that way BiH has big trade deficit, and protection of lives and health of BiH citizens and removal of barriers for export is at very low level. New Approach to harmonization of technical regulations in the EU and based on that to show the need for defining an adequate model for fast and complete Europeanization of technical regulations in BiH by transposing the EU New Approach Directives
Key Success Factors for Sustainable Strategic IS Planning and IT Infrastructure
Get PDFAbstract: Paper is intended to provide an expert view on the approach to transformation of business processes toward business sustainability, or sustainable business processes, with a focus on ecological thinking. Furthermore, it highlights the argument that approach to corporate sustainability is interdisciplinary process spanning from the fields of sociology to applied technological innovation and advances in the IT/IS sphere of influence. Through a review of an amalgam of very recent literature a versatile business model is recommended bridging together most effective strategic information system planning (SISP) tools for building a sustainable business processes to be deployed in practice. An article is intended to help high and middle management extend the notion of sustainable development to their every-day managerial activities while protecting the organization well-accepted business principles.
Keywords: Corporate sustainability, BPM, IS, IT infrastructure, Green IT and I
THE IMPACT OF VIRTUALIZATION AND CLOUD COMPUTING TO MODERN BUSINESS
Get PDFAbstract: Nowdays, the increasing application of information technology in modern
business and life in general, virtualization and cloud computing are new solutions
designed to increase the level of system abstraction and degree of utilization of computer
performance. New technologies offer the flexibility, the ability to adapt workloads
resources and to realize cost savings of IT infrastructure in terms of administration and
support costs. The period when the big companies had a monopoly and control over
resources and information are far behind us and the only companies to survive in the
future are „smart“ companies. This paper defines the terms virtualization and cloud
computing and explains its importance as the challenge of rapid success and growth
of the company. Special attention is focused on the savings and its benefits. The
advantages of applying virtualization and cloud computing are numerous only in case
they are implemented in the right way, although many managers have doubts about
this technology. The data is obtained through an online survey which was conducted
in the companies in Bosnia and Herzegovina as well as data Forrester Research that
determined the current level of application of virtualization and cloud computing
in the world and companies in Bosnia and Herzegovina. Besides, it pointed out the
guidelines of the future steps
FORGING SYNERGY BETWEEN A FOREIGN LANGUAGE AND INTERCULTURAL EDUCATION
No full textExpansion of the borders of the European Higher Education Area (EHEA) provides members of
academic communities with a challenging opportunity to participate in various exchange programmes. The
phenomenon of mobility tests the proficiency level of the participants’ Intercultural Communicative
Competence that enables them not only to speak a common language but also interact effectively and
appropriately in the context of a hosting country.
The paper focuses on the case study of internationalisation process implemented by eight European
Teacher Training institutions – Cá Foscari University (Italy), Pedagogical University of Tirol (Austria), the
University of Cyprus (Cyprus), the School of Education of Aarhus University (Denmark), University of
Nantes (France), Eötvös Loránd University in Budapest (Hungary), Jagiellonian University, Krakow
(Poland), the Institute of Foreign Languages, Vilnius University (Lithuania) via the designed educational
project carried out within the framework of an Intensive Programme in the socio-cultural context of the
Republic of Lithuania. The data of the study based on the participants’ reflections reveals that no matter
how positive the respondents’ attitudes towards mobility are, and how willing they are to participate in
various exchange programmes, the level of their ICC does not always meet the desired internal and external
outcomes. This proves the necessity of Intercultural education to be integrated into the content of many
subjects, foreign languages, above all
SOCIAL CRITICISM IN FAHRENHEIT 451 by RAY BRADBURY
No full textFahrenheit 451 is a dystopian novel by Ray Bradbury published in 1953. It is regarded as one of his best work. When examining Fahrenheit 451 as a piece of dystopian fiction, a definition for the term “dystopia” is required. In Merriam Webster dictionary, the term “dystopia” is defined as “an imaginary place where people lead dehumanized and often fearful lives. Dystopia is often used as an antonym of “utopia”, a perfect world often imagined existing in the future. A Dystopia, therefore, is a terrible place. Accordingly, one of the major themes of the novel is “censorship”. Owing and reading books are forbidden and thought to be unnecessary. Members of society focus only on entertainment, mostly watching T.V, immediate gratification and speeding through life. Compared to the situation of our society today, the similarities can easily be seen. Perhaps reading books aren’t still forbidden but the importance of reading is fading away gradually and thought to be unnecessary and boring especially by most young generations whose only concern is social networks. The principal objective of this paper is to explain some ideas that work as social criticism in the novel. It will further explain how Bradbury criticizes society, what messages the characters give and then unfold what is being criticized in the future is actually very similar to what exists in our world today. The entire paper will give an effective explanation of social criticism of the novel by comparing the social criticism of the novel to other dystopian novels such as George Orwell’s “1984”.
Keywords: Social criticism, Fahrenheit 451, censorship, dystopi
APPLICATION OF FRACTAL GEOMETRY PRINCIPLES IN TRADITIONAL PERSIAN, OTTOMAN AND BOSNIAN SACRAL ARCHITECTURE ORNAMENTS
No full textThe fractal geometry is a relatively new research subject in theory of architecture, but its principles are in use for centuries. Among the witness are numerous architectural masterpieces around the world and various ornaments found in different cultures.
This master thesis investigates the presence of fractal geometry principles in traditional sacral architecture ornaments of Persian, Ottoman and Bosnian architecture. Methodology used in the analysis of specific ornaments plates was the box counting technique via ImageJ fractal analysis software and FracLac plugin. Collected data was then analyzed comparatively and the results discussed in terms of existence of fractal geometry principles in the analyzed ornaments and similarity and relation between the ornaments from the above mentioned three cultures.
The purpose of this study is to examine the presence and level of similarity between fractal dimensions of analyzed ornaments, which represent a consequence of cultural and civilizational connections.
Keywords: ornaments, fractal geometry, Persian ornaments, Ottoman ornaments, Bosnian ornaments, sacral architecture, box countin
MOSTARLI HASAN ZÝYÂÎ DÎVÂNI’NDA TEŢBÝH VE ÝSTÝARELER
No full textFarklı bir kültür ortamında doğup, gelişen Divan Edebiyatı bazı insanlarca ağır ve anlaşılması zor bir edebiyat olarak düşünülmektedir. Bu nedenle araştırılması ve özellikle kullanılan dil ve edebi sanatların açıklanması bakımından incelenmesi gerekmektedir. Bu düşünceden hareketle tezimize Divan Edebiyatı’nın önemli şairlerinden Mostarlı Hasan Ziyai’nin divanındaki teşbih ve istiare sanatları konu olarak seçilmiştir. Çalışmamızda Doç. Dr. Müberra Gürgendereli tarafından hazırlanan Mostarlı Hasan Ziyai Divanı esas alınmıştır.Öncelikle 16.yy.da yaşamış Balkan şairlerinden Mostarlı Hasan Ziyai’nin hayatı,edebi kişiliği ve eserleri hakkında bilgi verilmiş daha sonra divanındaki Türkçe şiirler teşbih ve istiare unsurları bakımından incelenmiş ve örnek metinlerle açıklamalı tasnifi yapılmıştır. Toplam 496 gazel, 11 kaside üzerinde yapılan çalışmada 2920 adet beyit taranmıştır. Şairin en fazla kullandığı sanatların Teşbih-i Beliğ ve Açık İstiare olduğu görülmüştür. Tek mısrada kurulan mufassal ve muhtasar teşbihler ile mefruk teşbih ve kapalı istiare sanatları da azımsanmayacak ölçüde fazladır.
Teşbih ve istiare tanımları yapılarak çeşitlerine göre sıralanmış örnek beyitlerle açıklamalar yapılmıştır. Beyitler daha çok Türkçe gazeller ve kişileştirme sanatının yoğun olarak kullanıldığı ‘’Derya, Güneş ve Hazan’’ kasidelerinden seçilmiştir.
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Örnekler seçilirken benzetme unsurlarına göre sınıflandırılmış çalışmanın hacmini sınırlı tutmak amacıyla birkaç örnek beyit verilerek diğer beyitler numaralarıyla gösterilmiş ve aynı beyitlerin tekrarından kaçınılmıştır. Yapılan inceleme sonucu şairin sanatsal yönü ortaya konulmaya çalışılmıştır.
Anahtar Kelimeler: Klasik Türk Edebiyatı, Divan şiiri, 16.yy. Balkan şairi, Mostarlı Ziyai, Teşbih, İstiare
Nedostatnost srodstva i (van)bračnog odnosa kao ključnih kriterijuma prilikom normiranja nasljednih redova
No full textSažetak: Članak koji se nalazi pred nama opservira pitanje kriterijuma kojima su se rukovodili zakonodavci prilikom kreiranja zakonskih nasljednih redova u BiH. U tom smislu u radu smo analizirali dvije ključne činjenice, i to: srodstvo i (van)bračnu vezu. Iako smo ukazali na razlike koje i po tom pitanju postoje u našim zakonodavstvima, detaljnije smo se fokusirali na dodatne kriterijume koji su neopravdano zapostavljeni kod formulisanja zakonskih nasljednih redova. Među tim činjenicama najvažnijom nam se činilo zakonsko izdržavanje, a koje su zakonodavci propisali pridržavajući se određenog redoslijeda (od roditelja do braće i sestara). Tako su u slučaju postojanja bližih srodnika (davalaca izdržavanja) zakonodavci oslobodili dalje srodnike. No, da li su se sličnog kriterijuma zakonodavci pridržavali i prilikom formulisanja zakonskih nasljednih redova, istražili smo u članku koji je pred vama
Rješavanje interlokalnog sukoba zakona u statusnim i nasljednim odnosima u Bosni i Hercegovini
No full textSažetak: Predmet rada je način rješavanja privatnopravnih odnosa sa međuentiteskim elementom u statusnim i nasljednim odnosima u pravu Bosne i Hercegovine. Radi se o materiji međunarodnog privatnog prava iako se odlučuje o interlokalnom sukobu zakona. Postojanje interlokalnog sukoba zakona je posljedica složenog pravnog poretka Bosne i Hercegovine. Ne može se zanemarivati postojanje međuentitetskog elementa u privatnopravnim odnosima, posebno iz razloga što su zakonska rješenja različita i mogu dovesti do potpuno drugačijih rješenja slučaja, s obzirom da je većina privatnoravnih odnosa normirana od strane entiteta i Brčko distrikta. Cijeneći da određeni privatnopravni odnos može da utiče na cjelokupan život određenih osoba, jasno je koliko se ozbiljno mora pristupiti ovom problemu. U statusnim stvarima razlika se prvenstveno ogleda u tome da je u Federaciji Bosne i Hercegovine i Brčko distriktu propisana mogućnost sticanja poslovne sposobnosti i za maloljetnu osobu, stariju od 16 godina koja je postala roditelj, u vanparičnom postupku na prijedlog maloljetne osobe. U nasljednim odnosima takođe postoji niz razlika, a posebno se ističe različit krug zakonskih nasljednika, mogućnost nasljeđivanja vanbračnog partnera i oblik testamenta. Osnovni težišni kontakt koji se koristi kod privatnopravnih odnosa sa međuentitetskim elementom je prebivalište