Given the importance of digital financial services on financial inclusion, the authors examined the socio-demographic characteristics of users of digital financial services in the Republic of Serbia. The authors hypothesized that age, education, employment, and income are key socio-demographic characteristics that have influenced digital financial services. The Global Findex database of the World Bank was used to analyze the socio-demographic characteristics of digital financial service users in the Republic of Serbia, with a sample of 1000 inhabitants older than 15 years. To test differences between the analyzed characteristics, a t-test was applied using SPSSv25. The results show a difference among most of the analyzed characteristics. Socio-demographic characteristics, apart from gender and income, are statistically significant. The results show a statistically significant difference in the age of users of digital financial services and non-users of digital financial services. Also, users of digital financial services are highly educated and more often employed. Based on the results, it can be concluded that the average user of digital financial services is younger, more educated, more often employed and uses various banking services, such as credit and debit cards, savings and borrowing more often than non-users of these services.
Today, in modern business, all organizations and farms, are required to maximize organizational performance in order to achieve appropriate market success. In order to raise organizational performance to the maximum level, continuous monitoring of business activities and their results is necessary. They are monitored by internal control, ie internal audit. Within their sales channels, farms often set up their holdings without a predefined sales plan with well-defined costs. A constant obstacle to the marketing of agricultural products, in addition to the low price, is the high cost of realization. For this reason, the state tries to support the development of farms and promote the sale of agricultural products through various incentive measures. In order to evaluate how much these measures really contribute to its development, it is necessary to conduct a research on this topic and, based on the results of the research, to devise a model of the performance audit of incentive measures for sales channels of agricultural products which are produced on agricultural households of the Republic of Serbia.The abstract should contain a maximum of 150 words. The abstracts should avoid any abbreviations and mathematical formulas.
Starting from the findings of other authors that logistic service quality indeed affects customer satisfaction, the author of this paper wanted to examine whether this relation existed in the context of Serbian logistics practice. The research was conducted in October 2021 on a sample of 234 respondents who used the services of shipping companies from Serbia. Send questionnaires consisted of three general questions about demographic variables and sixteen closed-ended questions about the perceived service quality based on the dimensions of the SERVPERF model. The researchers assessed the correlation between variables by regression analysis. The results of the research confirm a significant positive correlation between the logistic service quality and customer satisfaction. Responsibility has been shown to have the greatest impact on customer satisfaction, while other characteristics of service quality - reliability and tangibles show a medium, and assurance and empathy almost insignificant positive correlation with customer satisfaction.
The purpose of this paper is to identify the problems small and medium-sized enterprises (SMEs) are facing in Serbian municipalities in North Kosovo. The experience and previous researches show that SMEs, especially those in crisis areas, have a greater demand than supply for financial resources. We have created a questionnaire in order to get relevant data from SMEs in North Kosovo and to assess the shortcomings of the system of financing. Results show that access to finance in North Kosovo is extremely limited. Entrepreneurs and SMEs are usually financed with own resources and with a help from friends or family, while the bank loans are not frequent and are very expensive.
Sažetak: Ubrzani privredni razvoj, rast proizvodnje i potrošnje i porast svetskog stanovništva sa sobom povlači i ubrzano trošenje neobnovljivih prirodnih resursa i nekontrolisano zagađenje životne sredine. Kao jedno od rešenja nameće se primena principa "zagađivač plaća", koji podrazumeva da je zagađivač odgovoran za zagađenje životne sredine i da je dužan da plati propisane takse i poreze. S druge strane, rešenje može biti i u primeni novih tehnologija koje mogu smanjiti zagađenje životne sredine i unaprediti proizvodnju obnovljivih izvora energije, kao i celokupne reciklažne industrije. Najvažniju ulogu u tom procesu imaju preduzetnici kao najfleksibilniji i inovativniji deo ekonomskog sistema. Uloga preduzetnika se ogleda u njihovoj brzini i spremnosti za uvođenje novih tehnologija i inovacija kao i primeni principa zelene ekonomije.
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