Search results for: CONSUMER FINANCE - Bridge of Knowledge

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Search results for: CONSUMER FINANCE

Search results for: CONSUMER FINANCE

  • Transparency of publicly available information about fiscal and monetary policy in Poland

    Publication

    - Year 2021

    Research background: The quality of information provided by fiscal and monetary authorities are important in a democratic state. Ensuring fiscal policy transparency reduces fiscal risk and corruption and promotes public acceptance of fiscal reforms. Ensuring transparency in monetary policy allows market participants to anticipate central bank responses and take their effects into account when making investment and consumption decisions. Aim...

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  • The concept of stream and system reliability on the example of the bakery industry

    Publication

    - Aparatura Badawcza i Dydaktyczna - Year 2019

    This article presents a new concept of technological system reliability based on the analysis of the relationship of associations of elements of energy streams, matter, information, time and finance. The method of stream specification and the method of determining the reliability values of significant and supporting relationships are given. Relevant relationships between elements of system streams were defined as having one-time...

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  • Professional activity and women entrepreneurship in Poland – Europe 2020 Strategy perspective

    Publication

    - Year 2013

    The level of economic activity of women in Poland is the lowest among Baltic Sea Region countries. The analysis of Europe 2020 targets, shows that at least 3 of the 5 main objectives relate, more or less, to women (e.g. participation in labor market). The objective concerning social inclusion assumes the increase in the employment rate of men and women (aged 20-64) in Poland up to 71%. To achieve this goal, support programs to...

  • Corporate social responsibility and forward default risk mediated by financial performance and goodwill

    Publication

    In today’s business environment, corporate social responsibility (CSR) has become an increasingly significant factor for firms. This study is driven by the motivation to add to the current literature by investigating the mediating elements that explain the relationship between CSR and forward default risk. In this paper, we attempt to identify the important mediators and give a more comprehensive explanation of this connection...

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  • thestats: An Open-Data R Package for Exploring Turkish Higher Education Statistics

    Publication

    - Yuksekogretim Dergisi - Year 2023

    There are open datasets available for official statistics, finance, education, and a variety of other domains. The open datasets are published by third-party vendors as well as official authorities. For example, The Turkish Higher Education Council maintains a web portal dedicated to higher education in Türkiye. Detailed datasets about universities, faculties, and departments can be obtained from the portal. Using the data provided...

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  • Inflation Forecast or Forecast(s) Targeting?

    The paper refers to L.E.O. Svensson’s concept of inflation forecast targeting (IFT) and its implementation by central banks of Sweden, Norway and the Czech Republic. The study focuses on (1) inflation forecasts published by selected central banks, i.e.headline inflation and core or monetary policy-relevant (MPR) inflation, which are made on the assumption of endogenous instrument rate, (2) one-year consumer...

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  • Janusz Smulko prof. dr hab. inż.

    He was born on April 25, 1964 in Kolno. He graduated in 1989 with honors from the Faculty of Electronics at Gdańsk University of Technology, specialising in measuring instruments. In 1989 he took second place in the Red Rose competition for the best student in the Pomerania Region. Since the beginning of his career ha has been associated with Gdańsk University of Technology: research assistant (1989-1996), Assistant Professor (1996-2012),...

  • Paweł Czarnul dr hab. inż.

    Paweł Czarnul obtained a D.Sc. degree in computer science in 2015, a Ph.D. in computer science granted by a council at the Faculty of Electronics, Telecommunications and Informatics, Gdansk University of Technology in 2003. His research interests include:parallel and distributed processing including clusters, accelerators, coprocessors; distributed information systems; architectures of distributed systems; programming mobile devices....

  • Zależność pomiędzy wielkością przedsiębiorstwa a strukturą źródeł finansowania

    Publication

    W artykule przedstawiono różnice w sposobie kształtowania struktury źródeł finansowania pomiędzy małymi, średnimi i dużymi przedsiębiorstwami. W trakcie przeprowadzonych badań uwzględniono 97 471 sprawozdań finansowych przedsiębiorstw, prowadzących działalność gospodarczą w 12 różnych działach polskiej gospodarki narodowej. Do potwierdzenia zróżnicowania struktury kapitałowej w zależności od wielkości przedsiębiorstwa wykorzystano...

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  • The innovative experimental rig for wood steam drying at atmospheric pressure

    The high cost of fossil fuel and soaring consumer interest have encouraged people in the wood industry to look for faster and more energy-efficient methods to dry lumber. The air-steam mixture as medium of drying process was used in a laboratory kiln especially arranged for that reason. Experimental rig is based on automatic control system. At the time of drying measurements of the internal temperature, wood temperature, moisture...

  • Tax preferences in PIT in numbers 2009-2015

    Open Research Data
    open access

    The follwoing data contain information prepared by the Ministry of Finance on the value of tax preferences by areas of support in Personal Income TAX (PIT) between 2009-2015.

  • Plasmids pMET2M1 and pMET15M1 with the SAT1 Flipper knockout cassette construction

    Open Research Data
    open access

    The goal of the study was to obtain plasmids containing the SAT1 Flipper knockout cassette along with upstream and downstream gene fragments (MET2, MET15) and to introduce a cleavage site for restriction enzymes into them.

  • Reactive Energy Billing in Operator Tariffs in Poland

    Publication

    The paper describes the current method of reactive energy billing in the tariffs of distribution grid operators in Poland. The current solutions are subject to critical assessment. Issues related to the motivation effect of the current solutions on consumers are analysed. Problems that occur in relation with connecting distributed generators to the distribution grid and challenges related to prosumer billing are indicated.

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  • Julita Wasilczuk dr hab.

    Born on 5th of April, 1965 in Gdansk. In 1987-1991 studied the economics of transport, at the University of Gdansk. At 1993 she started to work at the Faculty of Management and Economics. In 1997 received a PhD at the faculty, in 2006 habilitation at the Faculty of Management, University of Gdansk. Since 2009 Associate Professor at Gdansk University of Technology. In 2010-2012 Associate Professor of Humanistic High School at Gdansk. The...

  • Biznesplan dla zakładu podstawowej opieki zdrowotnej o rozszerzonej działalności na obszarze dzielnicy Gdańsk-Południe

    Publication

    - Year 2017

    In recent years we have seen the dynamic development of medical services sector in Poland. Private health centres focus on aggressive development strategy. The role of primaryhealth care facilities, which provide services financed from the public funds, declined.The purpose of the article is to present methods of strategic planning which allow toopen new healthcare entity. The next purpose is to make in practice...

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  • Application of chiral chromatography for enantiomeric separation of currently used pesticides from various chemical groups

    Publication
    • M. Tankiewicz

    - Year 2012

    Chiral pesticides account for more than 25 % of currently used pesticides and this ratio is still increasing. According to the number of chiral centers in the structure, a pesticide may consist of two or multiple enantiomers or stereoisomers. Studies into the stereoselective behaviour of pesticides started in the early 1990s and most research efforts focused on understanding the environmental fate and effects of these pesticides....

  • Is There any Demand for the Workers Aged 50+ in Poland?

    The process of ageing affects all the European Union Member States, including Poland. According to forecasts by the Central Statistical Office, in 2035, the population of Poland will decrease in relation to 2010 by more than 2 million, and the share of people aged 50+ in the total population will increase from 34.8% to 46.6% (Prognoza ludności 2009). In the context of current and projected demographic changes, a discussion is taking...

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  • NO-BROADCASTING OF NON-SIGNALLING BOXES VIA OPERATIONS WHICH TRANSFORM LOCAL BOXES INTO LOCAL ONES

    Publication
    • P. Joshi
    • A. Grudka
    • K. Horodecki
    • M. Horodecki
    • P. Horodecki
    • R. Horodecki

    - QUANTUM INFORMATION & COMPUTATION - Year 2013

    We deal with families of probability distributions satisfying non-signalling condition, called non-signalling boxes and consider a class of operations that transform local boxes into local ones (the one that admit LHV model). We prove that any operation from this class cannot broadcast a bipartite non-local box with 2 binary inputs and outputs. We consider a function called anti-Robustness which can not decrease under these operations....

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  • Database of the minimal sets of Lefschetz periods for Morse-Smale diffeomorphisms of a connected sum of g real projective planes.

    Open Research Data
    open access

    Morse–Smale diffeomorphisms, structurally stable and having relatively simple dynamics, constitute an important subclass of diffeomorphisms that were carefully studied during past decades. For a given  Morse–Smale diffeomorphism one can consider “Minimal set of Lefschetz periods”, which provides the information about the set of periodic points of considered...

  • On the use of a charge balancing method for low energy measurements

    The paper presents the method for the estimation of the energy consumption of the low-power microcontroller-based devices. Due to high dynamics of the changes of the supply current of the tested devices during the operational cycle, the consumed energy estimation is not easy. In order to avoid disadvantages of known methods, the charge balancing method was employed similarly like in some types of A/D converters.

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  • Wpływ postrzeganego ryzyka oraz czynników wizerunkowych na zamiar zakupu marek własnych sieci handlowych

    Publication

    Celem przeprowadzonych badań była analiza wpływu wizerunku sklepu, postrzeganego ryzyka oraz wizerunku cenowego marek własnych na zamiar ich zakupu. Dokonano replikacji modelu zaproponowanego przez M.F. Diallo i w jej ramach zastosowano technikę wywiadu realizowanego za pośrednictwem Internetu (CAWI) i przeprowadzono analizy z wykorzystaniem modelu równań strukturalnych (SEM) przy pomocy oprogramowania AMOS. Stwierdzono, że zamiar...

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  • Inserts amplification for knockout cassette construction

    Open Research Data
    open access

    The goal of the study was to obtain optimal conditions for amplification of upstream and downstream genes fragments and introduce a cleavage site for restriction enzymes into them thanks to which it will be possible to clone fragments into a plasmid containing elements of the knockout cassette. The constructed cassettes will enable the removal of the...

  • Influence of the Addition of Selected Spices on Sensory Quality and Biological Activity of Honey

    Publication

    - JOURNAL OF FOOD QUALITY - Year 2017

    Bee honey is nutritious and has numerous health benefits, but its taste is for many people too bland. Honey with addition of spices could be important to the food industry as a functional product with positive health image and interesting taste. Such product would definitely meet health-driven consumers’ expectations. Therefore, the aim of this study was to evaluate the effect of addition of selected spices on sensory, antimicrobial,...

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  • Kombucha from alternative raw materials – The review

    Nowadays, people's awareness about the role of diet in maintaining well-being and good health has increased. Consumers expect that the products not only provide them with essential nutrients but will also be a source of biologically active substances, which are beneficial to their health. One of the "healthy trends," which has appeared among the consumers worldwide is kombucha, a tea drink with high antioxidant potential, obtained...

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  • The effects of perceived risk, brand value, and brand trust on eWOM

    Publication

    Unrestricted access to the Internet, mobile devices, social applications and offering shopping comment options via online stores and platforms, encourages customers to generate online reviews about brands. That is why it became important to learn about the factors that motivate customers to create electronic word of mouth (eWOM). The survey aimed to check if there are links between perceived brand value, perceived risk, brand trust...

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  • Decoherence-free communication over multiaccess quantum channels

    In this paper we consider decoherence-free communication over multiple access and k-user quantum channels. First, we concentrate on a hermitian unitary noise model U for a two-access bi-unitary channel and show that in this case a decoherence-free code exists if the space of Schmidt matrices of an eigensubspace of U exhibits certain properties of decomposability. Then, we show that our technique is also applicable for generic random unitary...

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  • Intelligent Decision Forest Models for Customer Churn Prediction

    Publication
    • F. E. Usman-Hamzah
    • A. O. Balogun
    • L. F. Capretz
    • H. A. Mojeed
    • S. Mahamad
    • S. A. Salihu
    • A. G. Akintola
    • S. Basri
    • R. T. Amosa
    • N. K. Salahdeen

    - Applied Sciences-Basel - Year 2022

    Customer churn is a critical issue impacting enterprises and organizations, particularly in the emerging and highly competitive telecommunications industry. It is important to researchers and industry analysts interested in projecting customer behavior to separate churn from non‐churn consumers. The fundamental incentive is a firm’s intent desire to keep current consumers, along with the exorbitant expense of gaining new ones....

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  • Edible dragonflies and damselflies (order Odonata) as human food – A comprehensive review

    Publication
    • S. A. Siddiqui
    • K. Asante
    • N. Ngah
    • Y. Saraswati
    • Y. Wu
    • M. Lahan
    • O. Aidoo
    • I. Fernando
    • S. Povetkin
    • R. Castro Munoz

    - Journal of Insects as Food and Feed - Year 2024

    The rapid growth of the human population leads to a big concern about the food y and demand worldwide. However, due to the reduction in global arable land area, humans need to find alternative food sources to fulfil their needs. Consequently, edible insects have been identified as a promising solution to ameliorate food security and increase global nutrition. Among more than 2,100 identified edible insect species, dragonflies and...

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  • Piotr Dworakowski dr

    People

    Piotr Dworakowski received the MSc degree and PhD degree with distinction in electrical engineering from Gdansk University of Technology, Poland, in 2007 and 2020 respectively. From 2008 to 2013 he was working in Alstom Transport, Tarbes, France on traction drives control. Since 2014 he has been a Power Converters Team Leader in SuperGrid Institute, Lyon, France. His research interests include high efficiency power converters for...

  • Parabolic Equations with Functional Dependence

    We consider the Cauchy problem for nonlinear parabolic equations with functional dependence and prove theorems on the existence of solutions to parabolic differential-functional equations.

  • INNOVATIVE RUN FLAT SYSTEMS

    Publication

    - Journal of KONES - Year 2015

    One of the most essential threats to the mobility of wheeled vehicles is their relatively high sensitivity to tire damage. Tires can be damaged as a result at vehicle-targeting fire, after running on a mine or an improvised charge. The purpose of the article is to analyze the current technical solutions in wheeled vehicle tires, allowing for the unobstructed use of the vehicle despite the damage of one or several tires (RUN FLAT...

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  • Zastosowanie pogłębionych wywiadów osobistych w badaniu postrzegania treści internetowych na temat produktów i firm

    Publication

    Celem artykułu jest zaprezentowanie postrzegania internetowych treści przez internautów oraz sposobów pozyskiwania wartościowych informacji, związanych z organizacjami, bądź produktami. Zaprezentowano w nim wyniki uzyskane dzięki wykorzystaniu jednej z technik badań jakościowych – indywidualnych wywiadów częściowo ustrukturyzowanych. Opracowanie nawiązuje do koncepcji inbound marketing, jednak koncentruje się na potrzebach i zachowaniach...

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  • Schemes of transmission of classical information via quantum channels with many senders: Discrete- and continuous-variable cases

    Publication

    Superadditivity effects in the classical capacity of discrete multiaccess channels and continuous variable (CV) Gaussian MACs are analyzed. Several examples of the manifestation of superadditivity in the discrete case are provided, including, in particular, a channel which is fully symmetric with respect to all senders. Furthermore, we consider a class of channels for which input entanglement across more than two copies of the...

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  • Efficient Use of Capital: Paradox of Real Estate and Industry in Turkey

    Publication

    In recent years, one of the hottest debates on Turkish economy is the conflict on resource allocation between real estate and industry sectors. The debate was so intense that ex-minister of Economy Mr. Ali Babacan declared his opinions. Mr. Babacan’s statements about the creation of fixed capital by the private sector is not promising, and private sector fixed capital expenditures are not in the desired level. This situation is...

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  • Multi-Criteria Early Warning System Against Enteprise Bankruptcy Risk

    W artykule tym autor porównuje skuteczność opracowanego przez niego wielokryterialnego systemu wczesnego ostrzegania firm z tradycyjnym modelem analizy dyskryminacyjnej prognozowania upadłości. System wczesnego ostrzegania oparty został na metodzie logiki rozmytej. Badania te są jedną z pierwszych prób na świecie wykorzystania logiki rozmytej w prognozowaniu zagrożenia bankructwem firm. Uzyskane wyniki świadczą o dużym potencjale...

  • On phase equilibrium of an elastic liquid shell with wedge disclination

    Publication

    Based on the six-parameter shell theory we consider the phase equilibrium of a two-phase liquid membrane containing a wedge disclination. The considered problems are related to modelling of phase transitions in biological or lipid membranes. In order to capture the membrane behaviour we consider a special case of elastic shells which energy is invariant under major transformations of a reference configuration and can be treated...

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  • Algorytmy Optymalizacji Dyskretnej - ed. 2021/2022

    e-Learning Courses
    • K. Pastuszak

    In real-world applications, many important practical problems are NP-hard, therefore it is expedient to consider not only the optimal solutions of NP-hard optimization problems, but also the solutions which are “close” to them (near-optimal solutions). So, we can try to design an approximation algorithm that efficiently produces a near-optimal solution for the NP-hard problem. In many cases we can even design approximation algorithms...

  • Overproduction of CaMet15p native and His-tag versions.

    Open Research Data

    Enzyme of fungal L-methionine biosynthetic pathway: O-acetylhomoserine sulfhydrylase (Met15p) could be exploited as molecular target for antifungal chemotherapy. The goal of the study was to obtain conditions optimal for protein production with the use of prokaryotic cells. The constructed expression plasmids, designed in three different versions: encoding...

  • Overproduction of CaStr2p native and His-tag versions.

    Open Research Data

    Enzyme of fungal L-methionine biosynthetic pathway: cystathionine-γ-synthase (CaStr2p) could be exploited as molecular target for antifungal chemotherapy. The goal of the study was to obtain conditions optimal for protein production with the use of prokaryotic cells. The constructed expression plasmids, designed in three different versions: encoding...

  • Overproduction of homoserine O-acetyltransferase (CaMet2p) native and His-tag versions.

    Open Research Data

    Enzyme of fungal L-methionine biosynthetic pathway: homoserine O-acetyltransferase (Met2p) could be exploited as molecular target for antifungal chemotherapy. The goal of the study was to obtain conditions optimal for protein production with the use of prokaryotic cells. The constructed expression plasmids, designed in three different versions: encoding...

  • The database of localization and expression of classical aquaporins (AQPs) in the male reproductive system in cattle

    Open Research Data
    open access

    The data present research results being part of the OPUS-22 project entitled “In search of new markers of male fertility in cattle. Aquaporins expression in the reproductive organs and sperm of the bulls (Bos taurus)” financed by the National Science Center in Poland (grant no. 2021/43/B/NZ9/00204). The aim of this part of the project was (i) to determine...

  • PTR-MS and electronic nose application for volatile fraction analysis of cigar tobacco

    Publication

    Cigar consumers attach great importance to the quality of these products. At the same time, cigars are often expensive, so destructive analytical methods of quality control are not being desired. However, it has been found that there are many volatile organic compounds in their headspace. Because of that, proton transfer reaction–mass spectrometry and electronic nose were used to analyse it. The obtained results were used to distinguish...

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  • Birch sap concentrate as a potential modern food product

    Publication

    This paper presents birch sap concentrate obtained by the reverse osmosis method. It is characterized by sweet taste, high content of minerals and no risk to consumers in terms of content of heavy metals standardized in the European Union food legislation. This beverage has all the features of a modern food product, i.e. it has an attractive taste, is obtained using new technology, meets the clean label requirements and can be...

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  • Neural Network Subgraphs Correlation with Trained Model Accuracy

    Publication

    - Year 2020

    Neural Architecture Search (NAS) is a computationally demanding process of finding optimal neural network architecture for a given task. Conceptually, NAS comprises applying a search strategy on a predefined search space accompanied by a performance evaluation method. The design of search space alone is expected to substantially impact NAS efficiency. We consider neural networks as graphs and find a correlation between the presence...

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  • Kobieta ciężarna i alkohol-toksyczny związek. Smółka noworodków jako materiał w diagnostyce spożywania alkoholu w czasie ciąży

    Publication

    Każda ilość alkoholu spożyta przez ciężarną kobietę może spowodować poronienie, przedwczesny poród, patologię łożyska, zahamowanie wzrostu wewnątrzmacicznego płodu i wystąpienie licznych wad wrodzonych wywołanych alkoholem, określanych wspólnie mianem spektrum płodowych zaburzeń alkoholowych - FASD. Mogą one objawiać się zaburzeniami psychicznymi i/lub fizycznymi. Współczesna diagnostyka u noworodków zespołu FASD opiera się najczęściej...

  • Przedsięwzięcia ze wsparciem unii europejskiej w małych miastach województwa pomorskiego

    Przedmiotem prezentowanych badań były projekty wspomagane środkami Unii Europejskiej realizowane w latach 2007–2013 w małych miastach województwa pomorskiego. w ramach: Programu Operacyjnego Innowacyjna Gospodarka, Programu Operacyjnego Infrastruktura i Środowisko oraz Regionalnego Programu Operacyjnego. Cele badań obejmowały poznanie struktury przedsięwzięć według ich rodzaju i rozkładu na miasta oraz sprawdzenie, czy wielkość...

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  • Wskaźniki rynku kapitałowego : zastosowanie w wycenach przedsiębiorstw oraz w strategiach inwestycyjnych

    Publication

    - Year 2012

    Książka pt. "Wskaźniki rynku kapitałowego - zastosowanie w wycenach przedsiębiorstw oraz w strategiach inwestycyjnych" jest pierwszą zwartą publikacją na polskim rynku wydawniczym, która kompleksowo przedstawia tego rodzaju zagadnienia. W sposób szczegółowy ukazano w niej:• rodzaje, zasady budowy i metody kalkulacji wskaźników rynku kapitałowego,• analizę przyczynową podstawowych mnożników,• sposoby kalkulacji mierników rozwodnionych,•...

  • Voiceless Stop Consonant Modelling and Synthesis Framework Based on MISO Dynamic System

    Publication

    A voiceless stop consonant phoneme modelling and synthesis framework based on a phoneme modelling in low-frequency range and high-frequency range separately is proposed. The phoneme signal is decomposed into the sums of simpler basic components and described as the output of a linear multiple-input and single-output (MISO) system. The impulse response of each channel is a third order quasi-polynomial. Using this framework, the...

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  • The most important elements of the social package that guide students of Wrocław University of Science and Technology when choosing their first job

    Open Research Data
    open access

    This dataset contains the results of research that were carried out by the Wrocław University of Science and Technology in March and April 2016, using an anonymous "on-line" questionnaire. 1,320 people took part in the study entitled "My ideal employer" - students and doctoral students of all faculties of the university (including those fields of study...

  • OIL-ASSISTED THERMO-MECHANICAL RECLAMATION OF GROUND TIRE RUBBER

    Nowadays, it is crucial to seek for the methods of by-products and waste utilization, considering both environmental and economic factors. The example of waste material generated in the massive amounts, which requires the attention is ground tire rubber generated during recycling of post-consumer car tires. It can be applied as a filler into different polymer matrices, but to enhance its effectivity proper modifications should...

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