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The Enchanting Pannonian Beauty – Fruška Gora Tour Guide
Tourism Organisation of FREE COPY Vojvodina FRUŠKA GORA TOUR GUIDE The Enchanting Pannonian Beauty www.vojvodinaonline.com SERBIA Čelarevo NOVI SAD PETROVARADIN BAČKA PALANKA Veternik Futog Šarengrad DUNAV Begeč Ilok Neštin Susek Sremska Kamenica DANUBE Čerević Ledinci Banoštor Rakovac SREMSKI Beočin KARLOVCI Šakotinac Bukovac Man. Rakovac Popovica St.Rakovac Orlovac Testera St.Ledinci Lug Man. Paragovo FT Sviloš Grabovo Andrevlje Beočin PM Vizić Srednje brdo Stražilovo Brankov grob Man. Divša FT Osovlje Zmajevac PM Sot Ljuba Brankovac Šidina Akumulacija Dom PTT Bikić Do Sot PM Debeli cer Crveni čot V.Remeta Berkasovo Lovište Vorovo Moharac PM Iriški venac Man. Velika Lipovača Privina Akumulacija Ravne Remeta Papratski do Glava Moharač Stara Bingula Venac Letenka Man. Man. Grgeteg Privina glava Jezero Grgeteg Bruje Man. Petkovica Man. Stari Man. VRDNIK Man. Jazak Ravanica Kuveždin Man. Šišatovac Šišatovac Ležimir Man. Krušedol Man. Jazak Man. Neradin Krušedol Erdevik Bešenovo Man. Mala Divoš Remeta Gibarac Jazak Akumulacija M.Remeta Šelovrenac Akumulacija Remeta Akumulacija Grgurevci IRIG Bingula Manđelos Šuljam ČORTANOVAČKA ŠUMA Bačinci Bešenovo Manđelos DUNAV Čalma Akumulacija Akumulacija Kukujevci Vranjaš Kudoš Akumulacija Stejanovci Čortanovci 2 Stejanovci An Island in the Sea of Panonian Grain ruška gora is an island-mountain, an island in the sea of Panonian grain. It is sit- uated in Vojvodina, in the north of Serbia. It is immersed in the large plain of the FPanonian basin. Once it was splashed by the waves of the Panonian Sea, where- as today, towards its peaks climb regional and local roads that reveal beautiful local sto- ries about nature, ecology, the National Park, monasteries, tame mountain villages and temperamental people. -
Novi-Sad 2021 Bid Book
CREDITS Published by City of Novi Sad Mayor: Miloš Vučević City Minister of Culutre: Vanja Vučenović Project Team Chairman: Momčilo Bajac, PhD Project Team Members: Uroš Ristić, M.Sc Dragan Marković, M.Sc Marko Paunović, MA Design: Nada Božić Logo Design: Studio Trkulja Photo Credits: Martin Candir KCNS photo team EXIT photo team Candidacy Support: Jelena Stevanović Vuk Radulović Aleksandra Stajić Milica Vukadinović Vladimir Radmanović TABLE OF CONTENT 7 BASIC PRINCIPLES 7 Introducing Novi Sad 9 Why does your city wish to take part in the I competition for the title of European Capital of CONTRIBUTION TO THE Culture? LONG-TERM STRATEGY 14 Does your city plan to involve its surrounding 20 area? Explain this choice. Describe the cultural strategy that is in place in your city at the Explain the concept of the programme which 20 18 time of the application, as well as the city’s plans to strengthen would be launched if the city designated as the capacity of the cultural and creative sectors, including European Capital of Culture through the development of long term links between these sectors and the economic and social sectors in your city. What are the plans for sustaining the cultural activities beyond the year of the title? How is the European Capital of Culture action included in this strategy? 24 If your city is awarded the title of Europian Capital of Culture, II what do you think would be the long-term cultural, social and economic impact on the city (including in terms of urban EUROPEAN development)? DIMENSION 28 25 Describe your plans for monitoring and evaluating the impact of the title on your city and for disseminating the results of the evaluation. -
Insurance in Agriculture
INSURANCE IN AGRICULTURE Review Article Economics of Agriculture 1/2013 UDC: 368.5 INSURANCE IN AGRICULTURE Milan Počuča1, Zdravko Petrović2, Dragan Mrkšić3 Summary Damage in agricultural production can be crucial for the economy of a state, especially in countries where agricultural production prevails in the gross national income, as it is the case with Serbia. However, it is equally important that our agricultural producers manage incomes and expenditures in an efficient manner and optimize profit per surface unit, which is the basis of their business. Insurance plays an important part in the protection of the income statement of every agricultural producer as insurance costs are at the level of 1.5% to 2% on average of the production value, i.e. they are very low and saving on insurance could lead to the loss of the total yield and consequently total profit. However, agricultural insurance in Serbia is not developed enough. The state’s attempt to boost insurance development amounts to insurance subsidies, which, in the period of the implementation of this regulation, i.e. since 2006, has raised awareness of the need of such a type of protection of agricultural producers. Key words: agriculture, insurance, subsidies JEL: K13, Q14 Introduction People are not prone to taking risk and prefer certainty than uncertain consumption levels; essentially they prefer more certain outcomes4. This does not mean that risk should be avoided at all costs, but only that it should be considered when taking decisions5. From the point of view of an agricultural producer, insurance represents a method of the transfer of risk from themselves to an insurance company, in exchange for a premium in a certain amount. -
The Impact of Globalization on the Insurance and Reinsurance Market of Eastern Europe
The Impact of Globalization on the Insurance and Reinsurance Market of Eastern Europe . The Impact of Globalization on the Insurance and Reinsurance Market of Eastern Europe Goran B. Anđelić, Ilija Ćosić, Vladimir Đaković * Abstract: The analysis of the influence of globalization on the insurance and reinsurance markets of Eastern Europe confirms its significant importance in directing it towards steady increase, reflecting global trends. Special attention in this paper has been dedicated to the new thriving market in the insurance and reinsurance business as a basic indicator of market globalization with special attention to Eastern Europe. Namely, the business environment in Eastern Europe is especially dynamic and complex regarding the phase of altering its social- economic system. The research in this paper covers analysis of insurance and reinsurance markets of Eastern Europe with special attention on this market in the Republic of Slovenia, the Republic of Croatia and the Republic of Serbia from 2000 to 2008. The subject of this research is an overview and analysis of the reflexive relationship between the insurance and reinsurance markets of Eastern Europe and the globalization processes on both micro and macro levels. The main goal of the research is to obtain specific results about the intensity and direction of the influence of globalization processes on the course and direction of development of the insurance and reinsurance markets of Eastern Europe on the one hand, and changes in the insurance and reinsurance markets of Eastern Europe on globalization processes on the other. The basic hypothesis of this research is that there is a distinctive and strong reflexive relationship between the globalization processes and the conditions and state of the insurance and reinsurance markets of Eastern Europe. -
Unipolsai Assicurazioni
Always here, to draw 2015 Sustainability Report the future. 900,318 man-hours of training provided to 9,034 sales network agencies and sub-agencies 10.8m customers 9,514 employees 36,399 total number of agency staff 13 95.9% training hours provided per customer satisfaction employee index € 7.2m contributions to the community € 1.7m invested in training for employees Graphics project Industree S.p.A. Key performance indicators Area Indicator 2015 Figure Governance Percentage of independent BoD members according to Consolidated Law on Finance and the Code of Conduct 58% Percentage women on BoD 37% Financial Direct insurance premiums (€m) 13,982 performance Non-Life premiums (€m) 7,334 Life premiums (€m) 6,648 Ratio between claims and premiums in direct business 65.4% Combined ratio 93.9% Solvency ratio 1.76 Net profit (€m) 738 Value of real estate assets (€m) 4,307 Social Shareholders Performance of Ordinary shares +5% performance Amount of class C, D debt instruments and equity securities and assets subjected to environmental and social screening (€m) 48,300 Securities compliant with sustainability criteria in investments in financial instruments, not including UCITS, on own account 99.1% Employees Total number employees 9,514 Permanent staff 97.4% Percentage of women 50% Percentage of women in management positions 24% Trade union members (employees) 53% Average number of training hours provided per employee 13 Training hours supplied to employees 125,500 Average investment in training per employee (€) 179 Customers Number of policyholders -
Liberalisation, Market Concentration and Performance in the Non-Life Insurance Industry of Ex-Yugoslavia
Vladimir Njegomir, Ph. D. Assistant Professor Faculty for Legal and Business Studies 14 Sonja Marinkovic, 21000 Novi Sad, Serbia E-mails: [email protected], [email protected] Dragan Stojić, M. Sc. Teaching Assistant Department of Quantitative Methods in Economics Faculty of Economics University of Novi Sad 16 Dr Sime Milosevica, 21000 Novi Sad, Serbia E-mail: [email protected] Dragan Marković, M. Sc. Branch office manager DDOR Novi Sad 12 Janka Veselinovica, 21000 Novi Sad, Serbia E-mail: [email protected] LIBERALISATION, MARKET CONCENTRATION AND PERFORMANCE IN THE NON-LIFE INSURANCE INDUSTRY OF EX-YUGOSLAVIA UDK / UDC: 339.13.012:368.1/.8(497.1) JEL klasifikacija / JEL classification: G22, L10 Prethodno priopćenje / Preliminary communication Primljeno / Received: 11. listopada 2010. / October 11, 2010 Prihvaćeno za tisak / Accepted for publishing: 30. svibnja 2011. / May 30, 2011 Abstract The aim of this paper is to examine market structure, liberalisation and performance relationship for the non-life insurance industry in the ex-Yugoslavia region. We use the country-specific fixed effects models for panel data allowing each cross-sectional unit to have a different intercept term serving as an unobserved random variable that is potentially correlated with the observed regressors. Three models are presented, each placing market structure, liberalisation and profitability in distinct surroundings defined by related control variables. The research results indicate strong influence of market structure and liberalisation on market profitability. Key words: non-life insurance, market structure, profitability, ex-Yugoslavia region 21 EKON. MISAO PRAKSA DBK. GOD XX. (2011.) BR. 1. (21-40) Njegomir, V., Stojić, D., Marković, D.: LIBERATISATION… 1. -
Study Programme (PDF)
UNIVERSITY OF NOVI SAD FACULTY OF TECHNICAL SCIENCES 21000 NOVI SAD, TRG DOSITEJA OBRADOVIĆA 6 Study Programme Accreditation - PhD Studies DOCTORAL ACADEMIC STUDIES Civil Engineering STUDY PROGRAMME ACCREDITATION MATERIAL: CIVIL ENGINEERING DOCTORAL ACADEMIC STUDIES Novi Sad 2012. Prevod sa srpskog jezika: Jelisaveta Šafranj Ivana Mirović Marina Katić Vesna Bodganović Dragana Gak Ličen Branislava HIDDEN TEXT TO MARK THE BEGINNING OF THE TABEL OF CONTENTS FACULTY OF TECHNICAL SCIENCES 21000 NOVI SAD, TRG DOSITEJA OBRADOVIĆA 6 Content 00. Higher Education Institution Competence for the ____________________________ 3 Implementation of PhD Studies 01. Programme Structure ____________________________ 4 02. Programme Objectives ____________________________ 5 03. Programme Goals ____________________________ 6 04. Graduates' Competencies ____________________________ 7 05. Curriculum ____________________________ 8 Table 5.2 Course specification . 9 Scientific Research Method . 9 Selected Chapters in Mathematics . 10 Rheology of Concrete Structures . 12 Selected Chapters in Hydro-infortmacis . 13 Selected Chapters in Physics . 14 Selected Chapters in Process Modelling in . 15 Construction Suistainable safe road design . 16 Current State in the Field . 18 Selected Chapters in Science on Materials . 19 Systemic Regulation of Environment . 20 Earthquake Engineering . 21 Selected Chapters in Foundation . 22 Selected Chapters in Construction . 23 Management Selected topics in project management in . 24 construction Process, principles and techniques -
Development of the Insurance Sector and Economic Growth in Countries in Transition
Aleksandra Stojaković*12 UDC 330.357(4-664) Ljiljana Jeremić** 005.52:368 339.926(4-672EU) Scientific review article Received: 15.06.2016. Revised: 19.07.2016. Approved: 14.09.2016. DEVELOPMENT OF THE INSURANCE SECTOR AND ECONOMIC GROWTH IN COUNTRIES IN TRANSITION The main focus of this article is on the insurance sector and economic development of countries in transition; while some of them have already become members of the Euro- pean Union, others are still in the access to the EU procedure. From the data collected by using an empirical method, it can be observed that the development of the insurance mar- ket has had a positive influence on economic growth. The importance of the insurance sector can be observed in the results of the displayed types of insurance in the period from 2010 to 2014. The confirmation of market development is also located in the laid and paid claims, which provide policyholders with security and confidence in insurance companies. Key words: Insurance, development, economic growth, countries in transition, insurance premium, claims. * Aleksandra Stojaković, M.S., Underwriter, Insurance company DDOR Novi Sad, Subotica [email protected] ** Associate professor Ljiljana Jeremić, PhD, Singidunum University, Belgrade [email protected]. Vol. 13, № 3 2016: 83-106 84 Aleksandra Stojaković, Ljiljana Jeremić Introduction Economic development can not be viewed outside the context of the entire social development because the economy is one of the major subsystems of the social system, therefore the economic development is inseparable from the over- all social development. Social, political, historical, geographical, cultural and other non-economic domains significantly affect the economic dimensions of the economic development. -
Visible Data
Košice – European Capital of Culture 261,000.00 Public culture institutions 5,102,243.00 32 www.visibledata.info Visible data _ Participants exhibition workshop presentations projects on the edge of product and graphic design, of the founders of the non-governmental organisa- DESIGN STUDIO, co-founder of the project Beat Participants visible data_ Nov 29 – Dec 12, 2010 projects related to architecture, public space and tion OPEN DESIGN STUDIO, which was founded The Billboard, and an inseparable visual part of urban culture. She organised or attended number in 2007 in Bratislava. www.krowka.net the gastronomic project Wafličky. His life motto Novi Sad, Serbia of workshops and projects related to this topic “everything is possible” is crucial to his work. financing culture (Complexity Maps – Torino World Design Capital, www.zelenaluka.sk www.visibledata.info Marcel Benčík (SVK) Living Underground, Openeon, Molo, BAKE ...). She is a member of OPEN Design Studio. www.alicahorvathova.blogspot.com East Slovakia Museum Košice – new deposit 1,493,727.00 Marcel lives and works as a freelancer in Bratislava Lust (NL) Visible data_ since 1998. Studied at The Academy of Fine Arts and financing culture Design (AFAD) in Bratislava. Finished his Master’s Olivia Solis Joler (CUB) exhibition degree in 2004 and PhD studies in 2007. Works as LUST is a multidisciplinary graphic design prac- Grant making activities (not NGOs exlusively) 119,950.00 pedagogue at Department of Visual Communication tice established in 1996 by Thomas Castro, Jeroen November 29 – December 12, 2010 at the AFAD since 2007. Organizes the international Ondrej Jób (SVK) Barendse and Dimitri Nieuwenhuizen and based Olivia is recently living and working in Novi Sad, SULUV Gallery, Novi Sad graphic design conference KUPÉ. -
GREEN BOND FRAMEWORK September 2020
GREEN BOND FRAMEWORK September 2020 Green Bond Framework TABLE OF CONTENTS 1. Introduction .................................................................................................................................... 3 1.1. Company presentation ............................................................................................................ 3 1.2. Unipol Sustainability Strategy .................................................................................................. 3 1.2.1 Shared Value and Sustainable development ....................................................................... 4 1.2.2 Climate strategy ................................................................................................................... 5 1.3. Rational for Green Bond Issuance .......................................................................................... 6 2. Unipol Green Bond Framework ..................................................................................................... 8 2.1. Use of proceeds ...................................................................................................................... 8 2.2. Process of asset evaluation and selection ............................................................................ 12 2.3. Management of proceeds ...................................................................................................... 14 2.4. Reporting .............................................................................................................................. -
QF Fridays with the Industry UNIPOLSAI Meets QF
QF Fridays with the industry “The eagle flies on Friday”, and QF meets people from the industry to give you advice and for possible recruiting. In the QF special Fridays quants and managers will present their company and will take away you or your cv! Friday, April 23rd, 2021 Online via Microsoft Teams - h 10:00 am - 12:00 am UNIPOLSAI meets QF Marco Di Francesco Financial engineering Riccardo Casalini Head of Internal Model Validation Silvia Pigni Recruiter, HR ABOUT UNIPOLSAI UnipolSai Assicurazioni S.p.A. is the insurance company of the Unipol Group, the Italian leader in Non-Life business and motor vehicle TPL in particular. Also active in Life business, UnipolSai holds a strong position in the national ranking of insurance groups in terms of direct income. It operates through the largest agency network in Italy, with 2,610 insurance agencies and 5,585 sub-agencies located across the country. UnipolSai Assicurazioni is a subsidiary of Unipol Gruppo S.p.A. and, like the latter, is listed on the MTA market of the Italian Stock Exchange. It also provides direct insurance through Linear Assicurazioni, health insurance through the specialised company UniSalute, and has a strong presence in the bancassurance channel thanks to the joint ventures created with leading Italian banks. The operating scope of Unipolsai also includes service providers specifically dedicated to car servicing and repairs, and the management of “black boxes” for the Auto and Non-Auto insurance. UnipolSai operates in Serbia through the second-largest local insurance company, DDOR Novi Sad. The company is also a major player in the Italian hotel industry with the brand Gruppo UNA, as well as in the agricultural sector with Tenute del Cerro and in port management with Marina di Loano. -
Novom Sadu, Istraživač U „Netherlands Environmental Assessment Agency“, Hag, Holandija
Studija zelenih i rekreativnih površina u cilju izrade revizije generalnog plana Novog Sada Nosioci projekta: . Prof. dr Aleksandra Tišma, Poljoprivredni fakultet u Novom Sadu, istraživač u „Netherlands Environmental Assessment Agency“, Hag, Holandija . Prof. dr Jelena Ninić-Todorović, Poljoprivredni fakultet u Novom Sadu . Prof. dr Vladislav Ognjanov, Poljoprivredni fakultet u Novom Sadu Stručni saradnici: Studenti*: . Luka Bajić, d.i.p.a, Poljoprivredni . Dušan Bugarski fakultet u Novom Sadu . Milorad Radonjić . Aleksandar Kurjakov, d.i.p.h., . Nađa Beretić Poljoprivredni fakultet u Novom Sadu . Ivana Stojković . Ana Pajvančić, dipl. sociolog, . Biljana Stojković Filozofski fakultet u Novom Sadu . Dragana Radukin . Radmila Lazović, d.i.p.a., . Čila Peteš Poljoprivredni fakultet u Novom Sadu . Bogdan Kurjakov . Jelena Grujin, d.i.a, Poljoprivredni . Irena Vajner fakultet u Novom Sadu . Daniela Markov . Emina Mladenović, d.i.p.h. – master, . Davorka Radaković Poljoprivredni fakultet u Novom Sadu . Jelena Čukanović, d.i.p.h, *Apsolventi smera za pejzažnu arhitekturu, Poljoprivredni fakultet u Novom Sadu Poljoprivrednog fakulteta u Novom Sadu Poljoprivredni fakultet Univerziteta u Novom Sadu Departman za voćarstvo, vinogradarstvo, hortikulturu i pejzažnu arhitekturu Sadržaj 1. Uvod 3 1.1. Cilj izrade studije 3 1.2. Metodologija studije 5 2. Istorijat i zaštita zelenih prostora u Novom Sadu 7 2.1. Istorijat razvoja urbanih zelenih prostora u Novom Sadu 7 2.2. Zaštita prirodnih vrednosti i dobara u Novom Sadu 7 2.3. Zaštićene parkovske površine u građevinskom rejonu Novog Sada 9 3. Pregled dokumentacije 10 3.1. Planovi širih prostornih celina 10 3.2. Namena prostora u Generalnom planu - pregled stanja zelenih površina, ukupno 11 i po delovima planskog područja GUP-a 3.3.