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    1035 research outputs found

    Analysis of housing loans in Croatia

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    U radu je analiziran nastanak bankarstva i podjela bankarskih poslova, te povijest banaka u Republici Hrvatskoj. Nadalje, detaljno se analizira podjela bankarskih poslova, te se usmjerava na glavni problem ovog rada, a to je stambeni kredit. Zadatkom je trebalo analizirati stambene kredite u Republici Hrvatskoj. Analiza je izvršena na temelju tri banke: Privredne banke Zagreb, Zagrebačke banke i Croatia banke. Za uspješnu realizaciju stambenog kredita potrebno je vrlo dobro poznavanje osnovnih uvjeta. Bitne stavke u analizi stambenih kredita u istraživačkim bankama su namjena i iznos kredita, kamatne stope i rok otplate kredita u analiziranim bankama.This paper analyzes the emergence of banking and the division of banking activities , and the history of banks in Croatia. Furthermore, a detailed analysis division of banking activities, This focuses on the main problem of this work, and that is a mortgage loan. The task is supposed to analyze housing loans in Croatia. The analysis was done on the basis of three banks: Privredne banke Zagreb, Zagrebačke banke and Croatia banke. For the successful implementation of the housing loan needed is a very good understanding of the basic conditions. Important items in the analysis of mortgage loans in the banks are research purposes and the loan amount, interest rate and repayment period in the analyzed banks

    Monitoring tomato hydroponic cultivation (Lycopersicon esculentum L.)

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    Cilj rada je bio praćenje proizvodnje rajčice u hidroponskom uzgoju u poduzeću Ruris d.o.o. smještenom u Bošnjacima. Poduzeće Ruris d.o.o. se bavi proizvodnjom rajčice na površini od ukupno 3 ha, a s radom je započelo 1. prosinca 2007. godine. Proizvodnja rajčice na takav način je vrlo zahtjevan proces koji zahtjeva velika ulaganja u objekte i tehničku opremu te u znanje tehnologa koji vode proces proizvodnje. U radu je detaljno opisan proces proizvodnje i sve prednosti i nedostaci s kojima se susreće ovakav vid proizvodnje.The paper aim was monitoring of the hydroponic tomatoes system in the company Ruris d.o.o. located in the Bošnjaci. The company Ruris d.o.o. produces tomatoes on a total area of 3 ha and the work began on 1st December 2007. The production type of tomatoes in such a way is very demanding process that requires large investments in facilities and technical equipment and the technologists knowledge who lead the production process. The paper described in detail the production process and the advantages and disadvantages of this production type

    Economic and environmental analysis of different energy for heating family house

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    U radu je izvršen izračun potrebne toplinske energije (referentne godišnje potrošnje toplinske energije) za grijanje stambene zgrada-obiteljske kuća u Slavonskom Brodu sa potrebnim ulaznim i izlaznim podacima za proračun. Potrebna toplinska energija za zgradu je ovisna o obliku građevine, konstrukcijskim materijalima, toplinskoj izolaciji, karakteristikama energetskih sustava i klimatskim uvjetima u kojima se zgrada nalazi. Kao energent za grijanje u navedenom primjeru je korišten prirodni plin, pa je za izračun potrošnje prirodnog plina (referentna godišnja potrošnja toplinske energije) uzeta prosječna potrošnja prirodnog plina od I/2013 do XII/2015. Budući da se u Hrvatskoj grijanje obiteljskih kuća provodi osim korištenjem prirodnog plina i primjenom ostalih energenata (električna energija, lož ulje, ukapljeni naftni plin, ogrjevno drvo, peleti), načinjena je usporedba godišnje potrošnje pojedinog energenta s obzirom na referentnu godišnju potrošnju toplinske energije za grijanje, kao i usporedba godišnje cijene pojedinog energenta. S ekološkog aspekta je načinjena i usporedba godišnje emisije CO2 pojedinog energenta u ovisnosti o faktoru emisije pojedinog energenta.In this work it was carried out the calculation of heat energy (the reference year consumption of thermal energy) which is used for heating residential buildings-family house in Slavonski Brod with the necessary input and output data for the calculation. The heat energy which is used for the building depends on the shape of the building, construction materials, thermal insulation, energy system characteristics and climatic conditions in which the building is situated. Natural gas is used as an energy source for heating in the above example, so for the purpose of calculation the consumption of natural gas (reference annual heat consumption) was taken the average consumption of natural gas from I / 2013 to XII / 2015. Since in Croatia heating family houses is carried out in addition to the use of natural gas and by applying other energy (electricity, fuel oil, liquefied petroleum gas, firewood, pellets ...), so in this paper a comparison of annual consumption for each energy source was made with respect to the reference annual consumption of thermal energy for heating, as well as the comparison of the annual cost for each energy source. With respect to ecological aspect it was made a comparison of annual CO2 emissions of each energy source in relation to the emission factor of each energy source

    Change management in company with help of knowledge management

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    U ovom radu analiziran je pojam promjene. Upravljanje promjenom je sustavni proces primjene znanja, postupaka i sredstava potrebnih da se promjena odrazi na ljude koji će biti pod njezinim utjecajem. Cilj je uspješna provedba željenog poslovnog rješenja. Upravljanje promjenama je nužno, ali ne i dovoljno za osiguranje uspjeha u budućnosti. Promjene su nužne za refokusiranje poduzeća, također i za repozicioniranje, obnavljanje, reorganiziranje i osmišljavanje poslovanja. Menadžment znanja utjelovljuje organizacijski proces, s ciljem sinergijske kombinacije podatkovnih i informacijskih kapaciteta procesiranja informacijskih tehnologija te kreativnih i inovativnih kapaciteta ljudskih bića.In this work term – change, is analyzed. Change management is a systematic process of applying knowledge, procedures and resources which are needed for a change to reflect on people under it`s influence. An aim is to successfully implement desired business solutions. Change management is necessary, but it`s not enough to ensure the success in the future. Changes are necessary for refocus of the company, repositioning, regeneration, reorganization and for business design. Knowledge management embodies the organization process, with an aim on synergic combination of data and information capacities processing of information technology, and creative and innovational capacities of the human beings

    Analysis of financial statements company Dukat d.d.

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    Tema završnog rada je Financijska analiza poduzeća Dukat d.d.. Financijskom analizom se podatci iz financijskih izvještaja pretvaraju u upotrebljive informacije relevantne za upravljanje. Razumijevanje financijskih izvještaja i analize financijskih izvještaja je od ključne važnosti za poslovanje poduzeća. Tema je obrađena kroz pet cjelina unutar kojih su definirana analiza financijskih izvještaja, njezine vrste, financijski pokazatelji te njihova podjela i pokazatelji uspješnosti poslovanja. Analizirana su financijska izvješća za poduzeće Dukat d.d. u razdoblju od 2013. do 2015. godine kao i financijski pokazatelji.The final work theme is the financial analysis of the company Dukat d.d.. By using financial analysis, the data from the financial statements are converted into usable informations essential for managing. Understanding of financial statements and analysis of financial statements is critical to the company's business. The thessis is elaborated into five sections where is explained and defined analysis of financial statements, its categories, financial indicators, their classification and performance indicators of bussines. Financial statement analasys and also financial indicators are made for Dukat d.d. company for the period of 2013. to 2015

    Construction of greenhouse for hydroponic growing tomatoes

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    Hidroponska tehnologija i kontrola uvjeta u plasteniku omogućuju intenzivnu proizvodnju tokom cijele godine, uz minimalnu potrošnju i vrhunsku kvalitetu proizvoda. U praksi se to ostvaruje kroz uzgoj u hranjivoj otopini bez tla. Potrebni su minerali, hranjiva i elementi koji se nalaze u supstratu. U radu su navedene i analizirane prednosti uzgoja rajčice u zaštićenom prostoru i sva plastenička i hidroponska oprema. Prikazana je i opisana konstrukcija plastenika u ovoj proizvodnji za dobivanje rajčice, kao i uspjeh, kvaliteta i prednosti tehnologije te vrste uzgoja.Hydroponic technology and control of conditions in the greenhouses allow us to intensive production throughout the year, with minimum consumption and superior quality of products. In practice, this is accomplished through growing in nutrient solution without soil. Needs minerals, nutrients and, of course, elements that are found in the substrate. This paper describes and analyzes the benefits of growing tomatoes in greenhouses , as well as the greenhouse and hydroponic equipment . In addition to the shown and described construction of the greenhouse in the production for growing tomatoes, and the success, quality and benefits of the technology of this type of growing

    Needments of irrigation and price influence on costs of mandarin production at OPG Barada

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    Mandarina je kultura koja se uzgaja u priobalju Dalmacije i potrebno joj je svakodnevno vode, pogotovo u ljetnim mjesecima. Istraživanje se baziralo na klimatskim elementima (temperaturama i oborinama) u razdoblju od 2013. godine do 2015. godine i na izračunu norme mjesečnih količina navodnjavanja OPG-a Barada. Norma navodnjavanja računa se tako da se od raspoložive vode, odnosno oborinske vode, oduzme potrebna voda za navodnjavanje u milimetrima. Danas u doba izrazito velikih klimatskih promjena upotrebom različitih sustava navodnjavanja možemo osigurati kontinuirane, kvalitetne i visoke prinose u poljoprivredi. Sustavi navodnjavanja koji se koriste na istraživanom imanju su navodnjavanje minirasprskivačima i lokalizirano „kap po kap“. Ovo istraživanje ukazuje kako se upotrebom gospodarske vode, povećavaju i troškovi proizvodnje poljoprivrednog proizvoda. Ključne riječi: navodnjavanje, mandarina, cijena vode, troškovi proizvodnje mandarineMandarin is culture which grow in coastal Dalmatia and it needs daily water, especially in summer months. Research was based on climat elements (temperature and rainfall) in period from 2013. to 2015. and on calculation of irrigation norm of month amount of irrigation of OPG Barada. Norm of irrigation is being calculated as subtraction from available water or rainfall and necessary water for irrigation counted in milimeters. Nowadays, where is huge clime changes using a different sistem of irrigations we can secure continuous, quality and high income in agriculture. The sistem of irrigation, which is used by researche property are sprinkler irrigation and locally drop by drop. Results of research showed that using economy water, price increases the agriculture production costs

    Global financial crisis

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    U radu je analizirana aktualna globalna kriza, posebno u tranzicijskim državama, uključujući i Republiku Hrvatsku. Stabilna kriza posljedica je unutarnjih uzroka koji zajedno s vanjskim uzrocima stvaraju pogodnu situaciju za globalnu financijsku krizu. Demokracija, kao društvena pojava, problem je sociokulturnog stanja i nacionalne sigurnosti svake zemlje zahvaćene tom krizom. Pojavljujući se u pojedinim zemljama, globalna kriza postala je paravan za mnoga kriminalna djela i korupciju. Unutarnji uzroci uključuju tajno vladanje političara, profesionalnu nesposobnost, pogrešnu ekonomsku politiku, krizu vođenja, pohlepu i sl. Vanjski uzroci su politika niskih kamatnih stopa Američke federalne banke, kriza američkoga hipotekarnog tržišta, pogrešna poslovna politika središnjih banaka i dr. Za svaki problem postoji rješenje, pa tako i za aktualnu globalnu krizu, kako u svijetu, tako i u Hrvatskoj. Prije svega, misli se na ulaganje u ljudski kapital kao razvojni sustav znanja.The paper analyzes the current global financial crisis, especially in transition countries, including Croatia. The stable crisis is the consequence of the internal causes which together with external causes creates a favorable situation for the global financial crisis. Democracy, as a social phenomenon, is a problem concerning the socio-cultural condition and national security of every country affected by the crisis. Occurring in specific countries, the global crisis has become a screen for many criminal actions and corruption. The internal causes includes covert governance, professional incapacity, wrong economic policy, leadership crisis, greed and similar. The external causes are: low interest rate policy of the US Federal Reserve, crisis of the US mortgage market, wrong business policy of the central banks etc. For every problem there is a solution, including the current global crisis, both in the world and in Croatia. First of all, it means the investment in human capital as a system of knowledge

    Cost management company Pevec d.d. (implementation of the system Hyperion)

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    Cilj upravljanja troškovima je postići što veću dugoročnu korist od ostvarenog troška, ili postići određeni menadžerski cilj uz što niže troškove bez dugoročnih negativnih posljedica na rezultat poslovanja i konkurentsku poziciju poduzeća. Za ispunjenje navedenog cilja tvrtka Pevec d.d. je implementirala sustav Hyperion, a analiza upravljanja troškovima putem sustava Hyperion i njegova implementacija u tvrtki Pevec d.d. je predmet ovog završnog rada.The objective of cost management is to archieve the highest possible long-term benefits from the resulting cost or to achieve a particular objective management expenses while no long-term negative consequences on business results and competitive position of companies. To fulfill this objective the company Pevec d.d. has implemented a system Hyperion, and analysis of cost management through systems Hyperion and its implementation in the company Pevec d.d. is the subject of this final work

    Importance of creative industry in entrepreneurship of modern economy

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    U radu je razrađena tema kreativnih industrija. Cilj rada je bio detaljnije istražiti poslovanje i udjel kreativnih industrija na globalnom tržištu, te objasniti utjecaj, odnosno značaj kreativnih industrija na poduzetništvo u modernoj ekonomiji. Također je trebalo napraviti pregled segmenata koji čine kreativnu industriju jedinstvenom industrijom na području ekonomije. Ovaj rad u svojoj suštini izdvaja i razmatra kreativne industrije kao bitan segment nove i moderne ekonomije. Naglasak rada je najviše na kreativnosti i inovativnosti kao bitnim odrednicama kreativnih industrija, ali i moderne ekonomije.Na kraju je dan osvrt na završni rad u cjelini.The aim of this paper is to explore and to examine in detail the significance of creative industries in the context of global market as well as analyze the impact of creative industries on modern economy. It also explores the traits of creative industries which make creative industries a unique type of industry in the field of economy. Creative industries are viewed as an important part of the new and modern economy and this paper explores this aspect of creative industries.The emphasis of the paper is on creativity and innovation as an important part of not only creative industries, but also modern economy.At the end there is a conclusion of the whole paper

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