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Electronic fund transfer - electronic banking
No full textInformatička tehnologija imala je veliki utjecaj i na poslovanje banaka. Bankama se olakšalo poslovanje, smanjili troškovi, povećalo se bankarsko tržište, te su se promijenile usluge koje banke pružaju. Banke danas osim putem klasičnih kanala svoje poslovanje ostvaruju putem
bankomata, telefona, SMS - a. Interneta te mobilnih telefona. Gotovo sve usluge banaka
dostupne su i putem Interneta te je posjećivanje banaka gotovo nepotrebno, smanjili su se redovi
u bankama, troškovi banaka, sve usluge banaka su dostupne 24 sata dnevno te je i korištenje
usluga banaka postalo ugodnije klijentima banaka. Ono što predstavlja problem u ovom vidu
poslovanja je sigurnost, međutim banke u hrvatskoj koriste najsuvremenije sigurnosne sustave te
je mogućnost negativnih iskustava svedena na minimum i uglavnom je povezana sa neznanjem
korisnika. Određen broj ljudi još uvijek zbog neznanja ili nepovjerenja ne koristi usluge banaka, međutim banke sustavno rade na tome da približe korisnicima svoje usluge, te se svake godine broj korisnika Internet bankarstva povećava. Bez uvođenja informacijske i komunikacijske
tehnologije u poslovanje banke ne mogu opstati na tržištu, niti biti konkurentne, potrebno je
ponuditi kvalitetnu uslugu, te sigurnosne sustave kako bi korisnici imali povjerenje u usluge
banaka i bile zadovoljne uslugomInformation technology has a major impact on the operations of banks. Banks are operating much easier, cost is lower, banking market has been increased and they have changed its services. Banks today, except through classical channel, their business monetize through ATMs, phone, SMS, Internet and mobile phones. Almost all of the bank services are available via the Internet and visiting banks is almost unnecessary. As a result, less crowd is in the banks and the cost for the banks has been reduced. All banking services are available 24 hours a day and the use of them have become more comfortable to the customers. The difficulty in this type of business is security, however, banks in Croatia are using the most modern security systems and the possibility of negative experiences are reduced to a minimum and is mainly associated with users’ ignorance. A number of people won’t use banks services, because of not enough knowledge or luck of trust. Banks are systematically working on how to approach the users of its services, and every year the number of users of Internet banking increases. Without the introduction of information and communication technology in their business, banks can’t survive on the market, or be competitive enough. It is necessary to offer quality service and security systems, in order to users have trust in the services of banks and were satisfied with the servic
Device for the biogas production from biomass by pyrolysis method
No full textIzgradnja i funkcioniranje generatora za rasplinjavanje podrazumijeva razumijevanje i poznavanje procesa rasplinjavanja, sastav biomase, kao i poznavanje uređaja za odvijanje procesa.
Dobro razumijevanje osnovnih procesa je ključno za planiranje, izgradnju, funkcioniranje, uklanjanje grešaka i unaprjeđivanje samog procesa proizvodnje plina.
Ovakva vrsta proizvodnje plina, osim generatora za proizvodnju plina, sadrži još sustav za obradu, sustav za hlađenje i sustav za početno pokretanje generatora plina.The construction and operation of generator gasification involves understanding and knowledge of the gasification process, the composition of biomass, as well as knowledge of equipment for the process.
A good understanding of basic processes is essential for the planning, construction, operation, eliminating errors and improving the process of gas production.
This type of gas production, except generator for producing gas, contains processing system, cooling system and a system for the initial launch of the gas generator
3D modeling and calculation of crane reducer
No full textU radu je prikazano modeliranje i sklapanje 3D modela reduktora prema dobivenoj tehničkoj dokumentaciji, te su prikazani svi dijelovi pojedinačno koji su potrebni za izradu sklopa. Također proračunate su radne karakteristike reduktora.The paper describes modeling and assembling 3D model of reducer from given technical documentation, and displays all individual parts that are required to create the assembly. The performances of reducer are also calculated
Transmissions of comparison of small, medium and large companies in Croatia
No full textPoduzetništvo u malim, srednjim i velikim poduzećima predstavlja generator gospodarskog razvoja i zapošljavanja u svim nacionalnim ekonomijama suvremenog svijeta. Zbog visokih stopa nezaposlenosti i ekonomske neefikasnosti gospodarstva u cjelini poduzetništvo u Republici Hrvatskoj predstavlja mogući potencijal gospodarskog prosperiteta. Međutim, ekonomski položaj malih i srednjih poduzeća u uvjetima globalizacije postaje sve složeniji, njihov životni vijek sve kraći, konkurencija iz dana u dan sve veća, potrošači sve zahtjevniji. U cilju jačanja gospodarskog značenja hrvatskoga malog poduzetništva, prvenstveno treba povećati ekonomsku efikasnost poslovanja hrvatskih malih i srednjih poduzeća, podići razinu tehničko-tehnološke opremljenosti, kadrovske stručnosti, menadžerske sposobnosti tako da u budućnosti na tom polju možemo očekivati samo poboljšanja.Entrepreneurship in small, medium and large businesses is a generator of economic development and employment in all national economies of the modern world. Due to high unemployment rates and economic inefficiency of the economy as a whole enterprise in the Republic of Croatia represents a possible potential of economic prosperity. However, the economic situation of small and medium-sized enterprises in the conditions of globalization is becoming more complex, their life span is getting shorter, the competition day by day increasing, consumers are increasingly demanding. In order to strengthen the economic importance of Croatian SMEs, primarily the need to increase the economic efficiency of the operations of Croatian SMEs, to raise the level of technical equipment, staff expertise, managerial skills so that in the future in this field, we can only expect improvements
Static short term testing
No full textIspitivanje materijala je područje znanosti o materijalima, koje je usko povezano s drugim znanostima u inženjerstvu. U uvodnom dijelu je ukratko opisana povijest ispitivanja materijala te utjecaj novih tehnologija na razvoj ispitivanja. U drugom poglavlju je napravljena podjela ispitivanja materijala, najviše su opisana mehanička ispitivanja materijala jer su ona najbitnija u strojarstvu. Statički vlačni pokus, statički tlačni pokus i ispitivanje savijanjem su opisani u trećem poglavlju. Posebno je opisano vlačno ispitivanje jer se ono ubraja u najvažnija ispitivanja materijala. U eksperimentalnom dijelu provedena su vlačna ispitivanja, tlačna ispitivanja i ispitivanja na savijanje na čeliku S235JR. Prikazani su izmjerena i izračunata mehanička svojstva čelika.Material testing is the area of materials science, which is closely related to other sciences in engineering. The introductory chapter briefly describes the history of the test materials and the impact of new technologies on the development of tests. The second chapter is made division test materials, most are described mechanical testing of materials because they are the most important in mechanical engineering. Tension test, the static pressure test and bending test are described in the third chapter. Especially described tensile test because it is one of the most important tests of materials. In the experimental part was carried out tensile tests, pressure tests and tests on bending the steel S235JR. Shown are the measured and calculated by the mechanical properties of steel
Housing loans in the case of three Croatian banks
No full textU radu su analizirani određeni kriteriji koji su potrebni za utvrđivanje razlika stambenih kredita između tri hrvatske banke; Hypo alpe-adria bank, Erste banka i Zagrebačka banka. U radu, kroz sljedeća poglavlja se analizira ponuda stambenih kredita na temelju određenih kriterija: iznos stambenog kredita, visina kamatne stope na kredit, uvjeti koji su postavljeni s obzirom na visinu mjesečnih primanja, rok otplate kredita i mogućnost dizanja stambenog kredita s obzirom na postojeći kredit. Osnovne posebnosti banaka su utvrđene teorijskom analizom, dok je uvid u sve bitne kriterije koji su bili predmet proučavanja u području stambenih kredita dobiven praktičnom analizom. Rezultati analize tri hrvatske banke, Hypo alpe-adria bank, Erste banka i Zagrebačka banka, ukazuju na različitosti ponude stambenih kredita, te svaka fizička ili pravna osoba koja planira uzeti ovu vrstu, trebala bi se prvo raspitati i analizirati najpovoljnije uvjete koje nude banke, jer se svaka ponuda jedne banke razlikuje od ponude druge banke, kao što je vidljivo i na primjeru navedene tri banke.In this paper, I have analyzed certain criteria that are used to determine housing loans differences between three Croatian banks; Hypo Alpe-Adria Bank, Erste Bank and Zagrebačka Banka. Throughout the chapters in this paper I analyzed the offer of housing loans using certain criteria: the amount of a housing loan, the level of interest rates, different terms that have been set depending on the amount of the monthly income, housing loan duration and if the client already has an existing loan that might prevent him from applying for a housing loan. Main particularities of the banks have been determined by theoretical analysis, while the insight in all essential criteria, that have been the subject of this study in the area of housing loans, was obtained by practical analysis. The results of the analysis of these three Croatian banks, Hypo Alpe-Adria Bank, Erste Bank and Zagrebačka Banka, point out to a diversity in housing loan, should definitely explore this market thoroughly in order to find the bast offer these banks are putting out. One should explore all the options presented by the banks mentioned above
Hazelnut products
No full textU radu je analizirano porijeklo lješnjaka, proizvodi koji se od njega dobivaju te načini proizvodnje. Analizirana je njegova hranjivost i dobre i loše strane konzumiranja lješnjaka u različitim oblicima, načini korištenja te tehnologija koja se koristi tijekom prerade lješnjaka u različite proizvode. Istražene su njegove karakteristike, privredno značenja i rasprostranjenost. Prikazano je kako je lješnjak veoma isplativa vrsta za uzgoj, čak i na malim zemljištima se može daći do nekog profita a ne zahtijeva veliku pažnju pri plantažnom uzgoju. Od drveta se proizvode razne vrste ugljena za različite namijene, a cvijet lješnjaka je prva pčelinja „postaja“ nakon zimskog perioda. Što se tiče proizvodnje u Hrvatskoj najveća plantaža nalazi se u okolici Daruvara i u vlasništvu je tvrtke Nowa d.o.o.Hazelnut origin, its products and ways of production are analyzed in this paper. Its nutritional values, good and bad sides of consuming hazelnut in various forms, ways of usage and the technology used during hazelnut processing have also been explained. Hazelnuts characteristics, economic signifance and diffusion have been explored. It is shown that hazelnut is a very profitable plant for growth, for it can make a profit even on small pieces of land, and it is a low-maintenance plant for cultivation. Its tree is used for making various kinds of coal for different intentions, and the hazelnuts flower is the first stop for bees after the winter period. Talking about the Croatian production, the biggest hazelnut plantation is in Daruvar area and it is owned by the company Nowa d.o.o
Development and business conditions Stil Valentine Ltd.
No full textRad je analiza povijesnog razvoja promatranog poduzeća „Wellness centar Stil Valentina d.o.o.“, Poduzeće se razvilo iz obrta Stil koji je u svojim počecima nudio usluge njege kose, a kontinuiranim ulaganjem u opremu, ljudske resurse te u objekte i praćenjem novih trendova razvio se u malo financijski stabilno poduzeće koje se bavi wellness uslugama. Promatran je i analiziran utjecaj okruženja poduzeća na poslovanje. Zaključak je da je utjecaj okruženja poduzeća na poslovanje bitan i učestalo je bio presudan za proces razvoja i opstanak poduzeća.
Zadatkom je također i obuhvaćen i analiziran razvoj wellness industrije u Hrvatskoj i u svijetu. Rad je pokazao da je wellness industrija u galopirajućem razvoju, da je zainteresiranost populacije za ovu vrstu usluga u porastu. Uspoređivanjem dobiti u wellness industriji kroz 3 godine zaključak je da je pred ovom industrijom svijetla budućnost te da je isplativo ulagati u wellness sadržaje.The task is the analysis of historical development of the observed company. ''Wellness center Stil Valentina ltd.''. The company was developed from a small craft named ''Stil'', wich was in their beginnings offering all kinds od services. For example, hair care. But, continuous investments in equipment, human resources and tracking trends had developed the craft in finacial more stable company. The impact on the business environment of enterprises is also observed in this work. The conclusion is that the impact of environment on the enterprise business essential and frequently was critical for the development and survival of the company.
The task also included the development of the wellness industry in Croatia and abroad. The task was shown that the wellness indutry is in galloping development and that the interest of population for this type of sevice keep track of growth trend. Comparing the profit in wellness industry trough five years it is concluded that towards the industry is a bright future. It is profitable to invest in wellness facilities
Preventive maintenance of recycling machine type: EREMA 1310 TVEplus
No full textU radu je analiziran i tehnički opisan princip rada i dijelovi stroja za recikliranje polimera (tip EREMA 1310 TVEplus) te načini i postupci preventivnog održavanja.
Proizvodni ciklus recikliranje polimera se bazira na 3 sekcije: miješanje, usitnjavanje i zagrijavanje materijala u aglomeratoru, otplinjavanje i homogeniziranje polimerne taljevine u ekstruderu te skrućivanje i peletiziranje u glavi za peletizaciju. Kako bi konačni proizvod bio što kvalitetniji, značajnu ulogu u proizvodnom ciklusu ima pravilno i redovito održavanje postrojenja. Propisno održavana oprema traje dulje i radi bolje i učinkovitije.The analysis comprises technical description of working principle and polymer recycling machine EREMA 1310 TVEplus components, including methodes and procedures regarding preventive maintenance.
Production cyclus of recycling polymers consists of three main stages: mixing, grinding and heating of polymer material inside acutter compactor, degassing and homogenizing the polymer blend inside extruder and finally solidification and pelletizing in pelletizing head. In order to achieve a high-quality product it is important to maintenance the machinery properly and regulary. Well maintained machinery lasts longer and performs better
Social policy and possibilities of solving the problem of unemployment through the European social fund
No full textEuropska unija je danas zajednica 28 država članica sa više od 500 milijuna stanovnika
i koja je otvorena svakoj europskoj zemlji koja ispunjava demokratske, političke i ekonomske
kriterije za članstvo. Hrvatska je postala punopravnom članicom Europske unije, kao njezina 28
članica, 1. srpnja 2013. godine.
Politike Europske unije, koje iako nisu jedinstvene na zajedničkoj razini, definiraju opće
standarde kojih se države članice moraju pridržavati. Jedna od takvih politika je socijalna
politika koja u posljednja dva desetljeća zauzima sve važnije mjesto u političkom životu
Europske unije.
Pomoć u rješavanju socijalnih pitanja građana Europske unije pruža Europski socijalni
fond. To je najvažniji europski financijski instrument za ulaganje u ljudski potencijal, a socijalna
politika i mogućnosti rješavanja jednog od problema socijalne politike, nezaposlenosti, kroz
Europski socijalni fond, predmet je i cilj ovog završnog rada.The European Union is today a community of 28 member states with over 500 million
people and that is open to any European country that fulfills the democratic, political and
economic criteria for membership. Croatia became a full member of the European Union, as its
28 Member States, 1 July 2013.
Policies of the European Union, which although are not unique at community levels,
define general standards which Member States must comply. One such policy is social policy
which in the last two decades is an important factor in the political life of the European Union.
Help in solving social issues of citizens of the European Union provides the European
Social Fund. It is the most important European financial instrument for investing in human
capital, and social policy and the possibilities of solving one of the problems of social policy,
unemployment, through the European Social Fund, is subject and the aim of this final work