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Inwestycje rzeczowe jako czynnik rozwoju przedsiębiorstw
PublicationZmieniające sie warunki funkcjonowania firm powodują, iż tylko ekspansywne i dynamicznie rozwijające się przedsiębiorstwa są w stanie sprostać rosnącym wymogom otoczenia. Podstawowym warunkiem zapewnienia ekspansji rynkowej firm jest podejmowanie optymalnych decyzji dotyczących ich rozwoju. Rozwój ten dokonuje sie głównie poprzez realizację efektywnych przedsiewzięć inwestycyjnych. W związku z powyższym ważne wydaje sie zbadanie,...
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Application of passive samplers in monitoring of organic constituents of air
PublicationTechnika dozymetrii pasywnej - znana od ponad 100 lat - cieszy się ciągłym zainteresowaniem i jest często wykorzystywana w różnych badaniach środowiskowych. Z powodu swej prostoty, różnorodności rozwiązań konstrukcyjnych i możliwości wykorzystania różnych technik oznaczeń końcowych, technika dozymetrii pasywnej może być zastosowana zarówno do oznaczeń związków organicznych jak i nieorganicznych, obecnych zarówno w powietrzu wewnętrznym,...
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Stanowisko do badania systemów łożyskowania wirników szybkoobrotowych
PublicationZagadnienia podjęte w niniejszym artykule dotyczą modelowania i optymalizacji stanowiska do badania łożysk szybkoobrotowych pod kątem minimalizacji drgań. Stanowisko do badania łożysk szybkoobrotowych powinno charakteryzować się odpowiednią sztywnością i uniwersalnością, musi być zapewniona możliwość badania wielu parametrów różnego typów łożysk oraz możliwość łatwej modyfikacji stanowiska. Wyniki obliczeń przedstawione w opracowaniu...
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Silver-doped TiO2 prepared by microemulsion method: surface properties, bio- and photoactivity
PublicationOtrzymane fotokatalizatory typu Ag-TiO2 wykazywały wyższą aktywność w reakcjach fotodegradacji fenolu w obecności promieniowania z zakresu UV oraz światła widzialnego w porównaniu z komercyjnym katalizatorem Degussa P25 oraz czystym niedomieszkowanym TiO2, otrzymanym w mikroemulsji woda-AOT-cykloheksan. Powierzchnia właściwa (BET) otrzymanych katalizatorów wynosiła od 100 do 160 m2/g. Na podstawie analizy rentgenowskiej (XRD) stwierdzono,...
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An extension to the FEEDB Multimodal Database of Facial Expressions and Emotions
PublicationFEEDB is a multimodal database that contains recordings of people expressing different emotions, captured by using a Microsoft Kinect sensor. Data were originally provided in the device’s proprietary format (XED), requiring both the Microsoft Kinect Studio application and a Kinect sensor attached to the system to use the files. In this paper, we present an extension of the database. For a selection of recordings, we also provide...
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Performance Evaluation of Asphalt Binder Modified with Shear Thickening Fluid
PublicationThis paper aims at using a dilatant or shear thickening fluid (STF) [a non-Newtonian fluid consisting of particles of nano-silica suspended in a liquid medium, i.e., ethylene glycol (EG), which acts as a carrier fluid; proportion 40:60] as additive or modifier of bitumen in order to enhance its viscoelastic properties. A commonly-used performance grading (PG) system, storage stability test, and different conventional and rheological...
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Non-isolated resonant quasi-Z-source network DC–DC converter
PublicationA novel non-isolated resonant quasi-impedance (quasi-Z)-source network DC–DC converter is proposed. The resonant impedance source network is derived from the quasi-Z-source network by including the autotransformer-based resonant cell instead of the second inductor of the quasi-Z-network. The leakage inductance of the autotransformer and two resonant capacitors connected in series with the autotransformer windings constitute a high-frequency...
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Biotrickling filtration of n-butanol vapors: process monitoring using electronic nose and artificial neural network
PublicationBiotrickling filtration is one of the techniques used to reduce odorants in the air. It is based on the aerobic degradation of pollutants by microorganisms located in the filter bed. The research presents the possibility of using the electronic nose prototype combined with artificial neural network for biofiltration process monitoring in terms of reduction in n-butanol concentration and odour intensity of treated air. The study...
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Highly sensitive large strain cellulose/multiwalled carbon nanotubes (MWCNTs)/thermoplastic polyurethane (TPU) nanocomposite foams: From design to performance evaluation
PublicationAerogel-based polymer composite foams are promising for large strain piezoresistive sensors, but their aerogel skeleton is partially destroyed during the foaming process, limiting their sensitivity. Herein, the thermoplastic polyurethane was synthesized on the aerogel skeleton to obtain cellulose/multiwalled carbon nanotubes (MWCNTs)/thermoplastic polyurethane (TPU) nanocomposite materials foamed with the aid of supercritical carbon...
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Pulsed UV-irradiated Graphene Sensors for Ethanol Detection at Room Temperature
PublicationA graphene-based gas sensor fabricated in a FET (GFET) configuration and its sensitivity towards ethanol and methane is reported. Detection of ethanol at the level of 100 ppm was observed under pulsed UV irradiation and after cleaning by UV light in the N2 ambient. Reduction of the frequency of UV irradiation pulses resulted in increased changes in sensor resistance in the presence of ethanol. Improved sensing behavior was ascribed...
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Ultrasonic spectroscopy of silicon single crystal
PublicationSpecimens of Si single crystals with different crystal orientation [100] and [110] were studied by the electro-ultrasonic spectroscopy (EUS) and Resonant Ultrasonic Spectroscopy (RUS). A silicon single crystal is an anisotropic crystal, so its properties are different in different directions in the material relative to the crystal orientation. EUS is based on interaction of two signals: electric AC signal and ultrasonic signal,...
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The influence of thermal conditions on V2O5 nanostructures prepared by sol-gel method
PublicationThis work presents the result of structure investigations ofV 2O5 nanorods grown from thin films and powders prepared by sol-gel method. To examine the best temperature of nanorods crystallization, thin films deposited by spin-coating method on quartz glass or silicon substrates and bulk xerogel powders were annealed at various temperatures ranging from 100∘C to 600∘C. The structure of the samples was characterized by X-ray diffraction...
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Oil removal from polluted soil by washing with surfactants solutions in dynamic conditions
PublicationFor washing of the oil from polluted soil surfactants solutions were applied. In a research a nonionic synthetic surfactant - polyoxyethylene ether of synthetic fatty alcohol (Rokanol NL6), rhamnolipid biosurfactant JBR 425 (Jeneil Biosurfactant Co. LLC) and their mixtures were used. Results of oil removal from peat soil and sand with mixtures of surfactants solutions at concentration 0,5 g/dm...
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Low-coherence sensors with nanolayers for biomedical sensing
PublicationIn this paper, we describe the fiber optic low-coherence sensors using thin film. We investigated their metrological parameters. Presented sensors were made with the use of standard telecommunication single mode optical fiber (SMF28). Different materials were applied to obtain thick layers, such as boron doped diamond, silver and gold. The thickness of layers used in the experiments ranged from 100 nm to 300 nm. Measurements were...
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Thermal and mechanical properties of polyurethanes modified with L-ascorbic acid
PublicationIn this study we report the thermal and mechanical properties of polyurethanes modified with ascorbic acid (AA). Ascorbic acid was used as a modifier at concentration of 1 or 2 mass%. The antioxidative properties of AA may improve the biocompatibility of the obtained materials, which were designed for biomedical applications. In this paper we describe characterization of obtained unmodified and ascorbic acid modified polyurethanes...
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Application of gas chromatography to evaluate the quality of rapeseed oil
PublicationTwo-dimensional gas chromatography is an analytical technique, which is increasingly being used in food research. Through the analysis of volatile fraction, it is possible to determine the quality of food products. One of the reasons for the deterioration of food is thermal degradation. Products that are often subject to degradation reactions due to temperatures are edible oils. In the thesis, the results of edible oils with different...
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Performance and Stability in H2S of SrFe0.75Mo0.25O3-δ as Electrode in Proton Ceramic Fuel Cells
PublicationThe H2S-tolerance of SrFe0.75Mo0.25O3-δ (SFM) electrodes has been investigated in symmetric proton ceramic fuel cells (PCFC) with BaZr0.8Ce0.1Y0.1O3-δ (BZCY81) electrolyte. The ionic conductivity of the electrolyte under wet reducing conditions was found to be insignificantly affected in the presence of up to 5000 ppm H2S. The fuel cell exhibited an OCV of about 0.9 V at 700 °C, which dropped to about 0.6 V and 0.4 V upon exposure...
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Application of lightweight cement composite with foamed glass aggregate in shell structures
PublicationThe purpose of the paper is to investigate the abilities of applying Granulated Expanded Glass Aggregate (GEGA) as a natural volume substitute of aggregate as a component of lightweight concrete. The GEGA aggregates used in the experiments were made of confused glass waste. In order to achieve satisfactory strength of concrete Granulated Ash Aggregate (GAA) was added as well. To produce specimens three grain sizes of aggregates...
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The dying medium temperature impact on the final moisture content of pine wood at constant drying time
PublicationThe results of final moisture content of pine wood (Pinus sylvestris L.) after drying process are presented. The wood in the experiments was taken from the northern part of Pomeranian region in Poland. The drying process was performed in the experimental chamber equipped with the micro-jet heat exchanger. The air at temperatures of 40°C, 60°C, 80°C, 100°C and 120°C with relative humidity about 60% and atmospheric pressure was the...
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Influence of temperature and interactions with ligands on dissociation of dsDNA and ligand-dsDNA complexes of various types of binding : an electrochemical study.
PublicationSeveral medicinally important compounds that bind to dsDNA strands via intercalation (C-1311, C-1305, EtBr), major groove binding (Hoechst 33258) and covalent binding (cis-Pt) were examined. The obtained results suggest that both the transfer of conformation B to C and the denaturation process, for the ligand-dsDNA complexes, except for covalently bound cis-Pt, took place at higher temperatures compared to the unbound helix. Furthermore,...
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Internal friction in pure Co and CoPt alloy during ordering
PublicationZbadano tarcie wewnętrzne, wskaźnik modułu sprężystości postaciowej i podatność magnetyczną stopu CoPt (50% at. Pt) w stanie nieuporządkowanym, uzyskanym w wyniku oziębienia, podczas wyżarzania do 850 K przy wzrostach temperatury 6K/min. i 2K/min., stosując odwróconą skręcarkę wahadłową. Zaobserwowano maksimum tarcia wewnętrznego w CoPt przy 700 K oraz w monokrysztale kobaltu w 720 K w pobliżu martenzytycznej przemiany fazowej,...
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Analiza termiczna poliuretanów wygrzewanych w krótkich czasach
PublicationW pracy przedstawiono wyniki badań lanych elastomerów uretanowych (LEU) wykonanych metodą różnicowej kalorymetrii skaningowej (DSC) i dynamiczno-mechanicznej analizy termicznej (DMTA). LEU syntezowano metodą prepolimerową z diizocyjanianu (MDI), oligo(adypinianu butylenowo-etylenowego) diolu (Poles 55/20) i przedłużano glikolem butylenowym zawierającym katalizator DABCO. Uzyskane poliuretany poddawano wygrzewaniu w krótkich czasach...
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Polycyclic aromatic hydrocarbons in smoked fish - a critical review
PublicationDym wędzarniczy zawiera wśród setek składników co najmniej 100 wielopierścieniowych węglowodorów aromatycznych (WWA). Benzo{a}piren (BaP) jest uważany za wskaźnikowy, rakotwórczy WWA w wędzonych rybach. Współczesne procedury analityczne obejmujące ekstrakcję węglowodorów z matrycy, oczyszczenie, rozdzielenie metodą GC lub HPLC przy użyciu, odpowiednio, detektora MS albo FLD, umożliwiają oznaczenie indywidualnych WWA w wędzonych...
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Electron impact ionization of CCl4 and SF6 embedded in superfluid helium droplets
PublicationBadana była jonizacja helowych nano-kropel o rozmiarach 104 z osadzonymi wewnątrz molekułami CCl4 i SF6. Zmierzone z dużą rozdzielczością widma masowe wskazują na tworzenie dużych klasterów w przypadku CCl4. Zależność intensywności jonizacji w funkcji energii wskazuje, że w przypadku obu molekuł osadzają się one wewnątrz kropli. Zaobserwowano jon macierzysty CCl4-, prawdopodobnie powstający na drodze jonizacji Penninga podczas...
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Retencja i usuwanie związków azotu w hybrydowych systemach hydrofitowych
PublicationHybrydowe systemy hydrofitowe (ze zmiennym poziomym i pionowym przepływem ścieków) łączą zalety i eliminują wady układów bez zmiennego przepływu ścieków, co w rezultacie prowadzi do skutecznego i stabilnego w czasie usuwania substancji organicznej i związków azotu. Na podstawie analizy przeprowadzonych badań w pracy przedstawiono ilościowe i jakościowe przemiany substancji organicznej i związków azotu. Podano skuteczność usuwania...
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Effect of microstructure on mechanical properties of BA1055 bronze castings
PublicationThe article presents research results performed on aluminum bronze CuAl10Fe5Ni5 (BA1032) castings used for marine propellers. Metallographic studies were made on light microscope and a scanning electron microscope to assess quantitatively and qualitatively the alloy microstructure. It has been shown that the shape, size and distribution of the iron-rich phase precipitates in bronze microstructure significantly affect its mechanical...
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On practical application of Shannon theory to character recognition and more
PublicationLet us consider an optical character recognition system, which in particular can be used for identifying objects that were assigned strings of some length. The system is not perfect, for example, it sometimes recognizes wrongly the characters "Y" and "V". What is the largest set of strings of given length for the system under consideration, which can be mutually correctly recognized, and the corresponding objects correctly identified?...
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Diagnostics of commutation unit in satellite pumps and motors
PublicationThe article describes a part of the research on the development of satellite pumps and motors, conducted on Gdansk University of Technology as a part of grant "New elaborate of hydraulic satellite machines for drives with vegetable liquids and non-flammable liquids" (LIDER/35/102/L-2/10/NCBiR/2011) funded by the National Centre for Research and Development in Poland. The presented area includes the diagnostics of commutation units...
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Diagnostics of commutation unit in satellite pumps and motors
PublicationThe article describes a part of the research on the development of satellite pumps and motors, conducted on Gdansk University of Technology as a part of grant "New elaborate of hydraulic satellite machines for drives with vegetable liquids and non-flammable liquids" (LIDER/35/102/L-2/10/NCBiR/2011) funded by the National Centre for Research and Development in Poland. The presented area includes the diagnostics of commutation units...
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Application of INAA and ETAAS techniques for human samples analysis in evaluation of the impact of Gdansk Phosphatic Fertilizer Plant on its workers
PublicationW pracy przedstawiono wyniki badań wpływu Gdańskich Zakładów Nawozów Fosforowych na zdrowie pracowników. Oznaczano stężenia (techniką INAA) Al, As,Au, Br, Ca, Cl, Cu, Dy, I, In, K, La, Mg, Mn, Mo, Na, S, Sb, Sm, Ti, U, V,W, Zn we włosach, paznokciach i filtrach z pyłem zebranych od 21 pracowników fabryki oraz 5 osób z grupy kontrolnej nie związanej z zakładem. Ponadto oznaczono Cd, Cr, Cu, Fe, Mo, Ni i Zn w moczu przy użyciu...
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Formation of polyphosphorus ligands mediated by zirconium and hafnium complexes
PublicationThe reactions of R2P–P(SiMe3)Li (R = tBu, iPr, iPr2N) with [Cp2MCl2] (M = Zr, Hf), [Cp∗CpZrCl2] and [CpZrCl3] yielded polyphosphorus (mainly hexaphosphorus) compounds which can be viewed as intermediates between R2P–P(SiMe3)Li and derivatives of 1,2,3,4-tetraphosphabicyclo[1.1.0] butane. Thus R2P–P(SiMe3)Li can act as a building block for the formation of the P2 ligand and the R2P–P(P2) and R2P–P(P2)P–PR2 moieties. Solid state...
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Zagadnienia tribologiczne w hamulcu silnika hydraulicznego
PublicationPrzedmiotem badań był prototypowy hamulec cierny wielopłytkowy do silnika satelitowego SM-0,6 o teoretycznej objętości roboczej 16,7 cm3/obr. Hamulec ten zbudowany był z 27 tarcz ciernych wykonanych z materiału TOLOX oraz z pakietu sprężyn talerzowych zamontowanych w układzie X. Zablokowanie hamulca następuje w skutek siły docisku pakietu sprężyn talerzowych płytek ciernych co następuje w chwili spadku ciśnienia w komorze tłoka...
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China’s international trade and global value chains under One-Belt One-Road initiative
PublicationResearch background: After China acceded to the WTO in 2001, its foreign trade has expanded rapidly to be the largest share in the world. However, China's economic development changing from high-speed growth to medium high-speed growth in recent years. At the same time, the increase in labour cost and overcapacity also hinder China’s international trade. In order to solve these challenges and strengthening ties...
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Rainwater chemistry composition in Bellsund: Sources of elements and deposition discrepancies in the coastal area (SW Spitsbergen, Svalbard)
PublicationDiscrepancies in rainfall chemistry in Bellsund were found to be influenced by the orographic barrier and related to the variability in the inflow of air masses as well as to the distance of sampling sites from the sea and thus the extent of sea spray impact. This study covers measurements of rainfall (P) and air temperature (T), physicochemical parameters (pH, specific electrolytic conductivity (SEC), major ions (Cl , NO3 , SO4...
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Can bottom sediments be a prospective fertilizing material? A chemical composition analysis for potential reuse in agriculture.
PublicationEvery year huge amounts of bottom sediments are extracted worldwide, which need to be dis-posed. The recycling of bottom sediments for soil fertilization is in line with the long-promoted circular economy policy and enables the use of micro and macronutrients accumulated in sedi-ments for soil fertilization. When considering potential agricultural reuse of the dredge sediments, the first necessary step should be to analyze whether...
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The influence of phosphorus fractions in bottom sediments on phosphate removal in semi-natural systems as the 3rd stage of biological wastewater treatment
PublicationThe research was carried out in two semi-natural systems (the polishing ponds in Swarzewo and the free water surface constructed wetland in Zarnowiec) in Poland. They were built as the 3rd stage of a conventional mechanical–biological wastewater treatment plant. These systems were built to improve the quality of the effluent of treated wastewater. In the polishing ponds and FWS wetland system, suspended solids, organic matter as...
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Frakcje fosforu w osadach dennych i ich biodostępność podczas doczyszczania ścieków w systemach ekologicznych
PublicationCelem niniejszej pracy było scharakteryzowanie rodzaju i udziału frakcji fosforu w profilu pionowym osadów dennych oraz określenie wpływu zmiany warunków środowiskowych na ich transformację w ekologicznych systemach oczyszczających (w jęz. ang. Ecological Treatment Systems - ETS). W pracy poddano analizie ścieki przepływające przez systemy ekologiczne oraz powstające w procesie oczyszczania osady denne. Badania prowadzono w dwóch...
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Anthropogenic trace metals in Setiu Wetland: Spatial and seasonal distribution and implications for environmental health
PublicationThe growing urban wastewater volume poses a major global environmental challenge, especially in developing nations where inadequate treatment and discharge impact clean water availability. This study focused on Setiu Wetland, aiming to analyze seasonal and spatial variations of trace metals in particulate form from anthropogenic and pathogenic sources. Surface water samples were collected from multiple stations, measuring physical...
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Vehicular Communication Environments
PublicationCommunication to and between road vehicles (cars, truck, buses, trains, etc.) are of growing interest. This is partly due to the attractive services that cooperative intelligent transport systems (C-ITSs) provides, mainly in the areas of traffic safety and traffic efficiency. An enabler for C-ITS is wireless vehicle-to-vehicle (V2V) and vehicle-to-infrastructure (V2I) communication, collectively referred to as vehicle-to-X (V2X)...
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Impact of soluble organic matter and particulate organic matter on anammox system: Performance, microbial community and N2O production
PublicationIn this study, the effects of soluble readily biodegradable COD (sCOD) and particulate slowly biodegradable COD (pCOD) on anammox process were investigated. The results of the longterm experiment indicated that a low sCOD/N ratio of 0.5 could accelerate the anammox and denitrification activity, to reach as high as 84.9% ±2.8% TN removal efficiency. Partial denitrification-anammox (PDN/anammox) and denitrification were proposed...
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Microstructural Design of Ba0.5La0.5Co0.5Fe0.5O3 Perovskite Ceramics
PublicationBa0.5La0.5Co0.5Fe0.5O3 was synthesized in the solid-state reaction route. The influence of ball milling parameters (such as milling media size, angular velocity, and time), pelletizing pressure, and annealing parameters on the microstructure was studied. The grain size distribution and density or specific surface area changes were investigated in each approach while the individual parameters were changed. The evaluation of BLCF...
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The impact of the AC922 Architecture on Performance of Deep Neural Network Training
PublicationPractical deep learning applications require more and more computing power. New computing architectures emerge, specifically designed for the artificial intelligence applications, including the IBM Power System AC922. In this paper we confront an AC922 (8335-GTG) server equipped with 4 NVIDIA Volta V100 GPUs with selected deep neural network training applications, including four convolutional and one recurrent model. We report...
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Analiza bibliometryczna w badaniach dotyczących prognozowania upadłości przedsiębiorstw w Polsce
PublicationCelem opracowania jest ukazanie obrazu piśmiennictwa poświęconego zagadnieniom prognozowania upadłości przedsiębiorstw w Polsce. Jako metodę badawczą zastosowano analizę bibliometryczną. Do analizy wykorzystano bazę Google Scholar oraz narzędzie Publish or Perish 7. Okresem badań objęto lata 1995– 2019. Jako frazy do wyszukiwania publikacji zastosowano: „prognozowanie upadłości”, „prognozowanie zagrożenia finansowego”, „systemy...
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Początek Gdyńskiego Systemu Wodociągowego Wodociąg wiejski w gminie Oksywie w latach 1911 – 1929. Część I.
PublicationPrzedmiotem badań był wodociąg wiejski na Oksywiu z początku XX wieku, jako najstarszy na ziemiach polskich pod zaborami. Po przeprowadzeniu żmudnej kwerendy odtworzono przebieg procesu decyzyjnego jego budowy i eksploatacji. Szczególnie ważkie informacje odkryto w protokołach z posiedzeń Rady Gminnej Oksywia napisanych w języku staroniemieckim w latach 1911 – 1920. W rezultacie ustalono parametry techniczne sieci i urządzeń wodociągowych...
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Surface and Corrosion Properties of AA6063-T5 Aluminium Alloy in Molybdate-containing Sodium Chloride Solutions
PublicationCorrosion properties of aluminium alloy AA6063-T5 were investigated in molybdate-containing NaCl solutions. Electrochemical, microscopic, and spectroscopic experiments were utilized to examine the mechanism of corrosion inhibition by molybdates. SEM-EDX, magnetic force, and intermodulation electrostatic force microscopy data suggested that the inhibition initiation preferentially occurred over Fe-rich cathodic IMPs. Spectroscopic...
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Pękanie opóźnione złączy spawanych
PublicationPrzedstawiono badania eksperymentalne i szacunki skłonności do pękania opóźnionego złączy spawanych elektrodami otulonymi EB146 na stali kadłubowej gat. AH36. Badania prowadzono przy użyciu metody kołkowej na zbudowanym, zautomatyzowanym stanowisku pomiarowym IMPLANT 02 dla elektrod generujących różne poziomy wodoru dyfundującego (2,88-15,5 mlH/100g Fe) w złączu spawanym z użyciem technologii stosowanej w przemyśle okrętowym. Wykazano...
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Internationalization and Quality Assurance in Higher Education
PublicationInternationalization is an inevitable phenomenon among all contemporary higher education institutions (HEIs) in a globalizing world. It is the driving force for development and progress. In course of the last 30 years, it became an inevitable element of HE management. However, it carries along a number of risks, pitfalls, and organizational challenges. To hedge those, quality assurance (QA) is called to the stage. HEIs therefore...
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Influence of steel brackets supporting crane runway girders structure on the stress distribution in the brackets
PublicationThe paper presents a numerical analysis of steel brackets supporting a double-span crane runway girders. The purpose of the study was to assess the new structural solution based on the stress distribution in the brackets. In order to simplify the connection, the bottom flange of the crane runway girder is based directly on the upper flange of the bracket. As a result, the support reaction is no longer applied in the plane of the...
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Buckling analyses of metal cylindrical silos containing bulk solids during filling
PublicationThe paper presents 3D results on stability of thin-walled cylindrical metal silos made of isotropic rolled and corrugated plates containing bulk solids. The behavior of bulk solids was described using a hypoplastic constitutive model. Nonlinear finite element (FE) analyses with both geometric and material nonlinearity were performed with a perfect and an imperfect silo shell wherein initial geometric imperfections were taken into...
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Implementing artificial intelligence in forecasting the risk of personal bankruptcies in Poland and Taiwan
PublicationResearch background: The global financial crisis from 2007 to 2012, the COVID-19 pandemic, and the current war in Ukraine have dramatically increased the risk of consumer bankruptcies worldwide. All three crises negatively impact the financial situation of households due to increased interest rates, inflation rates, volatile exchange rates, and other significant macroeconomic factors. Financial difficulties may arise when the...