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Portfolio transfer from Izvor insurance to Generali insurance
No full textPredmet ovoga diplomskoga rada jest analiza financijskih izvještaja Izvor osiguranja prije prijenosa
portfelja u Generali osiguranje. Analiza poslovanja provest će se kroz financijska izvješća pomoću
financijskih pokazatelja (likvidnosti, profitabilnosti, zaduženosti, aktivnosti i ekonomičnosti) te pomoću
horizontalne i vertikalne analize bilance kao i računa dobiti i gubitka. Nakon analize Izvor osiguranja
usporedit ćemo poslovne prihode Generali osiguranja d.d. prije i nakon prijenosa portfelja te odrediti
kakav su utjecaj prijenos portfelja Izvor osiguranja te pojava pandemije Covida-19 imali na poslovanje
društva.
Cilj rada je analiza poslovanja osiguravajućeg društva Izvor osiguranja u posljednjoj i pretposljednjoj
godini postojanja kako bismo odredili koji su faktori doveli do prodaje u Generali osiguranje te potom
kratko analizirati koliko je pridruživanje (kupovina Izvor osiguranja) bilo poslovno uspješno za Generali
osiguranje.The theme of this diploma work is a financial report analysis of Izvor osiguranje insurance
company before investment portfolio transfer to Generali osiguranje dd. The company's financial
reports are used to acquire financial ratios ( liquidity, profitability,solvency, efficiency and
coverage ratio) for the business analysis. The balance analysis and income statements are going
to be used also.
After analysing Izvor osiguranje and Generali osiguranje dd. business income , before and after
portfolio transfer, is going to be compared in order to determine the influence of the transfer and
the Covid-19 outbreak on the company's business.
The aim of the work is to analyse Izvor osiguranje business in its ultimate and penultimate year
in order to determine factors that had resulted in Generali osiguranje dd purchase. The short
analysis has been made to show how efficient the acquisition has been for Generali osiguranje
dd. insurance company
OPPORTUNITIES FOR THE DEVELOPMENT OF THE CITY OF SINJ WITH THE USE OF EUROPEAN MONEY
No full textTeza završnog rada fokusira se na fondove EU -a, koji su financijski instrumenti za provedbu
pojedinih javnih politika EU -a u državama članicama. Europske i strukturne fondove koriste
države članice, dok zemlje kandidati koriste alate za pretpristupnu pomoć IPA-e. Punopravnim
članstvom u Europskoj unijiji, Republika Hrvatska stekla je pravo raspolaganja sredstvima
proračuna EU -a i obvezu plaćanja sredstava u proračun EU -a. Odnosno, Republika Hrvatska,
jedinice regionalne uprave i jedinice lokalne samouprave imaju priliku sudjelovati u povlačenju
sredstava iz proračuna EU-a kroz razne projekti koji su usklađeni s osnovnim ciljevima EU-a,
nacionalnim, regionalnim i lokalnim strateškim dokumentima
Proračunski prihod grada Sinja iznosi približno 70 milijuna kruna, a potpisani su ugovori o
financiranju projekata u ukupnoj vrijednosti od približno 550 milijuna kuna. Ovo financiranje
omogućilo je obnovu i uređivanje kulturne baštine grada Sinja s ciljem povećanja njegove
vrijednosti i poboljšanja života građana kroz povećanje zaposlenosti i socijalne uključenosti,
kao i boljom infrastrukturom. Zbog ograničenog proračuna, Sinj nikada ne bi uspio realizirati
tako velike projekte bez pomoći Europske unije. Zbog svog strateškog položaja Sinj i Cetinska
krajina idealna su mjesta za razvoj selektivnih oblika turizma, a posebno je ukazano na
mogućnost razvoja ruralnog turizma.The thesis focuses on EU funds, which are financial instruments for the implementation of
certain EU public policies in the Member States. European and Structural Funds are used by
the Member States, while candidate countries use IPA pre-accession assistance tools. By
becoming a full member of the European Union, the Republic of Croatia has acquired the right
to dispose of EU budget funds and the obligation to pay funds to the EU budget. That is, the
Republic of Croatia, regional government units and local self-government units have the
opportunity to participate in the withdrawal of funds from the EU budget through various
projects that are in line with the basic EU objectives, national, regional, and local strategic
documents.
The budget revenue of the city of Sinj is approximately 70 million kroner, and contracts have
been signed to finance projects worth a total of approximately 550 million kunas. This funding
has enabled the restoration and arrangement of the cultural heritage of the city of Sinj with the
aim of increasing its value and improving the lives of citizens through increased employment
and social inclusion, as well as better infrastructure. Due to the limited budget, Sinj would never
have been able to implement such large projects without the help of the European Union. Due
to their strategic position, Sinj and Cetina region are ideal places for the development of
selective forms of tourism, and the possibility of developing rural tourism was especially
pointed out
GUERILLA MARKETING
No full textIdeja gerilskog marketinga temelji se na činjenici da najbolje što tvrtke mogu uraditi jest učiniti
svoje poruke drugačijima i stvoriti nešto što će ih izdvojiti od konkurencije. Takav način
promocije razvijen je posebno kako bi pomogao malim poduzećima, jer sa malim proračunima
su morali napraviti veliku razliku u svojim oglašivačkim kampanjama. Postižući sjajne
rezultate s ovim oblikom oglašavanja i velike tvrtke počele su prakticirati ovu vrstu marketinga.
Ovaj rad ispituje što je uistinu gerilski marketing i kako se razlikuje u odnosu na tradicionalni.
Pobliže se opisuju njegove metode i karakteristike, te se primjerima iz prakse prikazuje njegova
važnost i utjecaj u današnjem svijetuThe idea of guerrilla marketing is based on the fact that the best thing companies can do is
make their messages different and create something that will stand out from the competition,
so that customers can see and hear them. The promotion method was developed specifically to
help small businesses because they had small budgets and needed to make a big difference in
their advertising campaigns. Achieving great results with this form of advertising and large
companies began to practice this type of marketing. This paper examines what guerrilla
marketing really is and how it differs from traditional. Its methods and characteristics are
described in more detail, and practical examples show its importance and influence in today's
world
MICROSOFT TEAMS
No full textMicrosoft Teams je platforma za poslovnu komunikaciju temeljena na oblaku (UC). Kao
aplikacija za poslovnu komunikaciju, Teams omogućuje lokalnim i tele-radnicima suradnju na
sadržaju u stvarnom i gotovo stvarnom vremenu na različitim uređajima, uključujući
prijenosna računala i mobilne uređaje. Microsoft Teams integrira se s drugim Microsoftovim
poslovnim aplikacijama, uključujući PowerPoint, Exchange i SharePoint. Microsoft Teams
posebno je koristan za suradnju na daljinu jer održava timove radnika povezanima. Pandemija
COVID-19 natjerala je organizacije diljem svijeta da opsežno koriste Microsoft Teams kao
drugi softver za suradnju, te kao komunikacijsku platformu za rad na daljinu. Microsoft
Teams obično je raspoređen u cijelim organizacijama, a ne samo unutar određenih odjela. U
nekim slučajevima, timovi bi mogli zamijeniti e-poštu za internu komunikaciju tvrtke među
zaposlenicima.Microsoft Teams is a cloud-based business communication (UC) platform. As a business
communication application, Teams allows local and teleworkers to collaborate on real-time
and near-real-time content across a variety of devices, including laptops and mobile devices.
Microsoft Teams integrates with other Microsoft business applications, including PowerPoint,
Exchange, and SharePoint. Microsoft Teams is especially useful for remote collaboration
because it keeps workers connected. The COVID-19 pandemic has forced organizations
around the world to make extensive use of Microsoft Teams as another collaboration
program, and as a remote communication platform. Microsoft Teams are typically distributed
across organizations, not just within specific departments. In some cases, Teams could replace
email for the company’s internal communication among employees
THE CONSTITUTIONAL COURT OF THE REPUBLIC OF CROATIA
No full textUstavni sud Republike Hrvatske određen je prvenstveno Ustavom Republike Hrvatske i
Ustavnim zakonom o Ustavnom sudu Republike Hrvatske. Uvodni dio rada opisuje Ustavni
sud Republike Hrvatske te Ustav i druge srodne zakone. Drugi dio rada temelji se na političkom
utjecaju Ustavnog suda te razlici između europskog i američkog modela nadzora ustavnosti i
zakonitosti. U trećem dijelu spominje se razvoj hrvatskog sudovanja kroz povijest. Četvrti dio
rada govori nešto više o Ustavnom sudu odnosno o njegovim pravnim aktima, djelokrugu,
nadležnosti te o ostalim nadležnostima koje Ustavni sud obavlja. Peti i šesti dio rada
obuhvaćaju cjeline koje prikazuju kako se pokreće postupak pred Ustavnim sudom, kako
Ustavni sud postupa i poništava propise te spominje se ustavna tužba.The Constitutional Court of The Republic of Croatia is dermined primarily by the Constitution
of the Republic of Croatia and the Constitutional Act on the Constitutional Court of the
Republic of Croatia. The introductory part of the paper describes in general the Constitutional
Court of the Republic of Croatia and Constitution and other related laws. The second parto f
the pape mentions the development of the Croatian judiciary through history. The third part of
the paper spekas a bit more about the Constitutional Court, its legal acts, scope, competencies
and other competencies that the Constitutional Court perfoms. The foruth and fifith part of the
paper include sections that show how the proceedings before the Constitutional Court are
initiated, how the Constitutional Court acts and annuls regulations, and the Constitutional
Complaint is mentioned. The last part of paper is based on the political influence of the
Constitutional Court and the difference between the European and american models of
monitoring constitutionalitx and legality
FINANCING OF MEDIUM AND LARGE ENTERPRISES ON THE EXAMPLE OF A ERSTE&STEIERMÄRKISCHE BANK d.d.
No full textBankarski proizvodi koje poduzetnici najčešće koriste ili za održavanje likvidnosti poslovanja ili za investiranje su krediti. Na malim financijskim tržištima kakvo je i tržište Republike Hrvatske, poslovni subjekti najčešće dolaze do financijskih sredstava za investiranje upravo putem bankarskih kredita. Bankarske kredite poduzetnici najčešće koriste ili za održavanje likvidnosti poslovanja ili za investiranje. Među kreditima koji se nude poslovnim subjektima su i dugoročni krediti. Financiranje srednjih i velikih poduzeća putem dugoročnih kredita u ovom radu je obrađeno na primjeru Erste&Steiermärkische Bank d.d. Erste&Steiermärkische Bank d.d. je banka koja posluje na tržištu Republici Hrvatskoj, a u svojoj ponudi ima različite vrste dugoročnih kredita namijenjenih srednjim i velikim poduzetnicima koje odobrava ili samostalno ili u suradnji s hrvatskim i/ili EU institucijama.Banking products which enterpreneurs often use for maintaining business liquidity or for investing are credits. In small financial markets such as the Market of the Republic of Croatia, business often come to financial resources for investing through bank loan. Bank loans enterpreneurs ofen use for maintaining business liquidity or for investing. Between the loans offered to businesses are long-term loans. Financing of the medium and large enterprises through long-term loans in this paper is done on the example of Erste &Steiermärkische Bank d.d. Erste & Steiermärkische Bank d.d. is a bank operating on the market of the Republic of Croatia, and in its offer has different types of long-term loans intended for medium and large entrepreneurs. Erste & Steiermärkische Bank d.d. businesses entities approves long-term loans alone or in collaboration with Croatian or EU institutions
PUBLIC ADMINISTRATION IN REPUBLIC OF CROATIA
No full textUčinkovita javna uprava jedan je od preduvjeta za odvijanje i unaprjeđenje poslovne
aktivnosti u zemlji. Do učinkovite i moderne javne uprave dolazi se nizom reformi koje se
planiraju za dugoročno razdoblje. Vidljivo je da javna uprava ne uživa povjerenje građana, te
su joj potrebne korjenite promjene. Problema u javnom sektoru ima previše, te je odmah
potrebno krenuti sa reorganizacijom. Temeljitom analizom dobili bismo uvid gdje su nam
promjene najpotrebnije i najhitnije. Svrha samog rada je upravo ta da se vidi gdje su najveći
problemi javnog sektora, te da se izmjenama Zakona, ljudima u upravi, strožim nadzorom i
kontrolom, digitalizacijom napravi da javna uprava bude učinkovita, te da uistinu postane
servis za potrebe građana.Effective public administration is one of the preconditions for conducting and improving
business activity in the country. Efficient and modern public administration is achieved
through a series of reforms that are planned for the long - term. It is clear that the public
administration does not enjoy the trust of the citizens, and that it needs radical changes. There
are too many problems in the public sector, so it is necessary to start immediately with the
reorganization. A thorough analysis would give us an insight into where the changes are most
needed and most urgent. The purpose of this paper is to establish where are the biggest
problems of the public sector, as well as to make public administration more efficient: through
making changes to the Law, with people in the administration, digitalization, stricter
supervision and control, so that public administration can truly become a service for citizens
CHILDREN IN DIVORCE
No full textRazvod braka danas je sve učestaliji ishod nesuglasica u braku. Međutim, iako je rastava bolje
rješenje, nego ostajanje u lošem braku, punom konfliktnih situacija, ni razvod nije
jednostavno rješenje koje će odmah ukloniti sve nesuglasice i donijeti mir. Radi se o složenoj
proceduri i burnom razdoblju u kojem je potrebno sudjelovanje svih članova obitelji, što
ostavlja dubok trag na sudionike razvoda. Sudionici su svi članovi obitelji, i roditelji i djeca,
te će razvod braka utjecati na život svih uključenih, što znači da će posljedice snositi i roditelji
i djeca. Posljedice koje će razvod braka ostaviti na dijete mogu biti ozbiljno štetne na djetetov
razvoj i ponašanje. Dijete oponaša svoje roditelje i osjeća njihove emocije, pa će dijete čiji se
roditelji teško nose s razvodom braka, također nositi teret te težine. Ipak, bitno je uključiti
djecu u proces razvoda braka zbog ostvarivanja djetetove najveće dobrobiti. Dijete ima pravo
izreći svoje mišljenje. Stručnjaci koji sudjeluju u procesu razvoda braka imaju značajnu ulogu
i veliku odgovornost u praćenju i odlučivanju o ishodima razvoda braka. Dijete treba biti
saslušano, a njegov iskaz uvažen, a da ga se pritom ne izlaže stresnim situacijamaDivorce today is an increasingly common outcome of disagreements in marriage. However,
although divorce is a better solution than staying in a bad marriage, full of conflict situations,
divorce is not a simple solution that will immediately remove all disagreements and bring
peace. It is a complex procedure and a turbulent period in which the participation of all family
members is required, which leaves a deep mark on the participants in the divorce. Participants
are all family members, both parents and children, and divorce will affect the lives of all
involved, which means that the consequences will be borne by both parents and children. The
consequences that divorce will leave on a child can be seriously detrimental to a child’s
development and behavior. A child imitates his parents and feels their emotions, so a child
whose parents have a hard time coping with a divorce will also carry the burden of that
weight. However, it is important to involve children in the divorce process in order to achieve
the best interests of the child. The child has the right to express his opinion. Professionals
involved in the divorce process have a significant role and great responsibility in monitoring
and deciding on the outcomes of divorce. The child should be heard and his testimony
respected without being exposed to stressful situation
PUBLIC POLICIES OF LOCAL GOVERNMENT ON THE EXAMPLE OF THE CITY OF ŠIBENIK
No full textTema ovog rada je provođenje javnih politika od strane službenika i
dužnosnika Grada Šibenika, odnosno kako su javne politike provedene u jedinici lokalne
samouprave. Definirani su pojmovi i provedeno istraživanje na temelju kojeg je zaključeno da
je Grad Šibenik u potpunosti prilagodio svoje dokumente nadležnom Zakonu o lokalnoj i
područnoj (regionalnoj) samoupravi. U ovom završnom radu istražene su i društvene
djelatnosti, odnosno postavljeno je nekoliko hipoteza koje smo potvrdili. Ciljevi javnih politika
šibenske gradske uprave su prilično realni, a iz Strategije razvoja Grada Šibenika i usporedbe s
današnjim stanjem vidljivo je da se oni provode. Grad Šibenik je školski primjer jedinice
lokalne samouprave, sa Statutom u potpunosti usklađenim sa Zakonom o lokalnoj i područnoj
(regionalnoj) samoupravi. Takvo dobro upravno-pravno uređenje daje Gradu kao instituciji
odličan preduvjet za uspješnu i modernu jedinicu lokalne samouprave. Činjenica je da Grad
Šibenik to polako postaje i da je jedan od gospodarski najbrže rastućih gradova na jadranskoj
obali, upravo uz pomoć školskog primjera korištenja javnih politika lokalne samouprave.The topic of this paper is the implementation of public policies by officials of the
City of Šibenik, ie how public policies are implemented in the local self-government unit. The
terms were defined and a research was conducted on the basis of which it was concluded that
the City of Šibenik has fully adjusted its documents to the competent Law on Local and
Regional Self-Government. In this final paper, social activities were also investigated, ie several
hypotheses were set, which we confirmed. The goals of the public policies of the Šibenik city
administration are quite realistic, and from the Development Strategy of the City of Šibenik and
a comparison with the current situation, it is evident that they are being implemented. The City
of Šibenik is a school example of a unit of local self-government, with the Statute fully
harmonized with the Law on Local and Regional Self-Government. Such a good administrative
and legal arrangement gives the City as an institution an excellent precondition for a successful
and modern unit of local self-government. The fact is that the City of Šibenik is slowly
becoming one and that it is one of the fastest growing cities on the Adriatic coast, precisely with
the help of a school example of the use of local government policies
PERSONS WITH DISABILITIES IN TRAFFIC
No full textOsobe s različitim vrstama invaliditeta svakodnevno sudjeluju u prometu kao pješaci, vozači
ili putnici. Nepristupačni prostori i neadekvatna arhitektonska rješenja predstavljaju prepreke
osobama s invaliditetom i otežavaju im kretanje i sigurno sudjelovanje u prometnom sustavu.
S obzirom na vrstu invaliditeta, osobe s invaliditetom za kretanje i orijentaciju koriste različita
pomagala od vizualnih do audio pomagala, prilagođene automobile, invalidska kolica kao i
pomagače. Tehnološka rješenja i izumi mogu uvelike pomoći osobama s invaliditetom da u
svakodnevnim životnim situacijama, a time i u prometu, lakše savladaju prepreke i povećaju
mobilnost. U novije vrijeme ističu se izumi koji olakšavaju život osobama s invaliditetom.
Društvo i zajednica poduzimaju mjere napretka u promjenama odnosa prema osobama s
invaliditetom u prometu. S obzirom da su osobe s invaliditetom jedna su od najugroženijih i
najnezaštićenijih skupina sudionika u prometu, uvijek postoji mjesta za napredak i promjene s
ciljem lakšeg uključivanja osoba s invaliditetom u prometni sustav.People with different types of disabilities participate in traffic on a daily basis as pedestrians,
drivers or passengers. Inaccessible spaces and inadequate architectural solutions are obstacles
for people with disabilities and make it difficult for them to move and participate safely in the
transport system. Depending on the type of disability, people with disabilities use a variety of
aids for movement and orientation from visual to audio aids, custom cars, wheelchairs as well
as helpers. Technological solutions and inventions can greatly help people with disabilities to
overcome obstacles and increase mobility in everyday life situations, and thus in traffic. More
recently, inventions that make life easier for people with disabilities have come to the fore.
Society and the community are taking measures to make progress in changing attitudes
towards people with disabilities in traffic. Given that people with disabilities are one of the
most vulnerable and unprotected groups of traffic participants, there is always room for
improvement and change in order to facilitate the inclusion of people with disabilities in the
transport system