NGO Letter Water Management EC 2Nd Feb 2011
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Households' Exposure to Foreign Currency Loans in CESEE
Households’ Exposure to Foreign Currency Loans in CESEE EU Member States and Croatia Katharina Steiner1 Most Central, Eastern and Southeastern European (CESEE) countries saw a substantial rise in foreign currency lending to households during the last decade. This involved risks to macro- financial stability, in particular because most of these borrowers were unhedged. This paper provides evidence on eleven CESEE countries regarding (1) the extent of foreign currency lending to households from 1995 to 2009, (2) the supply and demand factors at work in the period before the crisis and (3) the regulatory responses to address the situation. Panel data estimates covering the period from 1996 to 2007 reveal that, on the demand side, foreign currency borrowing was attractive because interest rates for foreign currency loans were lower than those on domestic currency loans, and private sector consumption as well as housing prices were on the rise. Mitigating factors on the supply side were higher interest margins on domestic currency loans than on foreign currency loans and banking sector reforms. Regulatory measures account at least partly for the different patterns of currency structures according to descriptive evidence. JEL classification: C23, E41, F31, G19, P20 Keywords: Financial development in transition, foreign currency loan, supply and demand, currency substitution, emerging markets 1 Introduction1 The catching-up process of emerging economies is usually accompanied by credit growth; however, not every size and kind of credit expansion is bene ficial. This paper focuses on foreign currency lending to households, which has become wide- spread in many Central, Eastern and Southeastern European (CESEE) countries. The household market segment is of particular interest: Households are typically not hedged against a weakening of the local currency relative to the loan currency, which increases the risk of loan defaults given unfavorable developments. -
Codexter Profile 2011 Croatia 4
COMMITTEE OF EXPERTS ON TERRORISM (CODEXTER) PROFILES ON COUNTER -TERRORIST CAPACITY CCRROOAATTIIAA November 2011 www.coe.int/terrorism 1 NATIONAL POLICY National Security Strategy Document The Republic of Croatia condemns international In addition to the obligation of implementation of terrorism and is strongly committed to combating relevant resolutions of the UN Security Council, the terrorism in all its forms and manifestations at national, prevention and suppression of terrorism and the active regional and global level. In order to efficiently counter contribution of the Republic of Croatia to global efforts this threat, Croatia recognizes the need for strong and were defined among the national security priorities in intensive co-operation with-within-and-among the the National Security Strategy adopted by the Croatian United Nations, regional organisations and all States. Parliament on 19 March 2002. This document Furthermore, close cooperation is necessary in order to underlines the importance of implementing a series of find long-term solutions for many regional crises and to specific measures for the purpose of neutralising continue with necessary measures to incapacitate the security risks such as terrorism and organised crime. ideological, organisational and financial supporters of These measures comprise the following: terrorism. Having this in mind, the Republic of Croatia is actively participating in counter-terrorism efforts at − establishment of an efficient system of border national, regional and global level. control in the Republic of Croatia; − deepening of police and intelligence cooperation Croatia believes that terrorism is, at its very core, a war with neighbouring countries on the surveillance against democracy, and that the best weapon against it and prevention of the activities of terrorist groups is in fact a democracy itself, coupled with the consistent and organised crime; preservation of and support for human rights. -
DIKTAS Country Report
Protection and Sustainable Use of the Dinaric Karst Transboundary Aquifer System Country Report (Regional Aspect) - Croatia http://diktas.iwlearn.org Protection and Sustainable Use of the Dinaric Karst Transboundary Aquifer System Contents HYDROGEOLOGICAL OVERVIEW 1. Introduction 1.1. Project task and role of WG1 1.2. General on karst – term, distribution. Importance 1.3. Histrical review of karst researches 2. Physiography and climate 2.1. Geographic position and boundaries 2.2. Vegetation and land cover 2.3. Rainfall regime 2.4. Air temperature 2.5. Other climate elements 3. Hydrology 3.1. Hydrographic network 3.2. Stream-flow regime 3.3. Controlling streamflow – dams and reservoirs 4. Geological pattern 4.1. Paleogeography of Dinaric region 4.2. Dinaric Carbonate Platform (External Dinarides) - litostratigraphic units 4.3. Tectonic 5. Geomorphology and karstification 5.1. Karstification process 5.2. Karstic features 5.2.1. Surface karstic features 5.2.2. Potholes and caves 6. Aquifer systems 6.1. Aquifers classification and distribution 7. Groundwater basins 7.1. Regional groundwater direction 7.2. Grounwater bodies ENVIRONMENT AND SOCIO-ECONOMIC OVERVIEW 1. Administrative boundaries 2. Population and demography 3. Tourism 4. Land use 5. Sources of income 6. Agriculture 7. Roads 8. Industries 9. Mining sites 10. Solid waste disposal 11. Wastewater treatment Protection and Sustainable Use of the Dinaric Karst Transboundary Aquifer System 12. Dams and Hydropower Plants 13. Protected areas 14. Karstic caves 15. Groundwater dependent ecosystems 16. Water use 17. Surface water quality LEGAL AND INSTITUTIONAL FRAMEWORK AND POLICY 1. Introduction 2. Updated report on legal, institutional and policy framework in Croatia 3. -
At the Fifty-Fifth Session of the General Assembly of the United Nations
At the fifty-fifth session of the General Assembly of the United Nations, held in New York from September 6 to 8, 2000, the Millennium Declaration, a political document of the United Nations for the twenty-first century that establishes the goals for individual branches of interest to all the members of the international community as a whole and activities that should contribute to its realization, was passed by a unanimous vote. All the member nations of the United Nations are required to prepare a National Report on the Implementation of the Development Goals of the Millennium Declaration. Therefore, this obligation was also undertaken by the Republic of Croatia. The Millennium Development Goals on which the member nations of the United Nations are required to prepare reports on their implementation are as follows: 1. Eradicate extreme poverty 2. Achieve universal primary education 3. Promote gender equality and empower women 4. Reduce child mortality 5. Improve maternal health 6. Combat HIV/AIDS malaria and other diseases 7. Ensure environmental sustainability 8. Develop a global partnership for development Work on the preparation of these reports was conducted via five subgroups for the Millennium Development Goals, in which representatives of the relevant government institutions participated, as follows: First subgroup: Millennium Development Goal— Eradicate Extreme Poverty — Ministry of the Economy, Labor and Entrepreneurship — coordinator of the subgroup and author of the report on this topic; Ministry of Health and Social Welfare, -
E-Bulletin Issue 23 · March 2010
IUCN SEE e-Bulletin Issue 23 · March 2010 IUCN South-Eastern European e-Bulletin Photo: IUCN/B.Erg, NP Durmitor Dear Readers, We are presenting you the 23rd issue of IUCN South-Eastern European e-Bulletin that gathers information from the first quarter of 2010 enriched with recently published funding opportunities. We thank you for contributing to this issue and for your continuous interest and support of this publication. Please note that the bulletin is available online at www.iucn.org/southeasterneurope, while guidelines for sub- mitting articles can be found at the last page of this issue. Hoping that you will find this issue as informative as usually, We wish you a pleasant reading! With best regards, IUCN Programme Office for South-Eastern Europe IUCN SEE e-Bulletin Issue 23 · March 2010 NEWS & EVENTS T 1. Cave preserving in Natura 2000 Site 2. Cross border Partnership for the Neretva Delta EN 3. Earth Hour 2010 T N 4. Finnish support to Western Balkans continues O 5. Capacity building and nature conservation along the South Eastern European Green Belt C 6. The Ural Owl in returns to the Biosphere-Reserve “Wienerwald” 7. Cross- border actions steer the Tara- Drina-Region future 8. Restoration of Bulgarian Natura 2000 habitats 9. Lower Danube exceeds green corridor targets 10. An international agreement for the Transboundary Prespa Park 11. Sediment Management Protocol to the Framework Agreement on the Sava River Basin (FASRB) 12. White Storks nesting platforms in Nature Park Goricko 13. Bringing together all stakeholders of the Lake Shkodra region 14. Countdown 2010 hits 1,000! 15. -
Sub-Regional Report On
EP United Nations Environment UNEP(DEPI)/MED WG 359/Inf.10 Programme October 2010 ENGLISH ORIGINAL: ENGLISH MEDITERRANEAN ACTION PLAN Tenth Meeting of Focal Points for SPAs Marseille, France 17-20 May 2011 Sub-regional report on the “Identification of important ecosystem properties and assessment of ecological status and pressures to the Mediterranean marine and coastal biodiversity in the Adriatic Sea” PNUE CAR/ASP - Tunis, 2011 Note : The designations employed and the presentation of the material in this document do not imply the expression of any opinion whatsoever on the part of UNEP concerning the legal status of any State, Territory, city or area, or of its authorities, or concerning the delimitation of their frontiers or boundaries. © 2011 United Nations Environment Programme 2011 Mediterranean Action Plan Regional Activity Centre for Specially Protected Areas (RAC/SPA) Boulevard du leader Yasser Arafat B.P.337 – 1080 Tunis Cedex E-mail : [email protected] The original version (English) of this document has been prepared for the Regional Activity Centre for Specially Protected Areas by: Bayram ÖZTÜRK , RAC/SPA International consultant With the participation of: Daniel Cebrian. SAP BIO Programme officer (overall co-ordination and review) Atef Limam. RAC/SPA International consultant (overall co-ordination and review) Zamir Dedej, Pellumb Abeshi, Nehat Dragoti (Albania) Branko Vujicak, Tarik Kuposovic (Bosnia ad Herzegovina) Jasminka Radovic, Ivna Vuksic (Croatia) Lovrenc Lipej, Borut Mavric, Robert Turk (Slovenia) CONTENTS INTRODUCTORY NOTE ............................................................................................ 1 METHODOLOGY ....................................................................................................... 2 1. CONTEXT ..................................................... ERREUR ! SIGNET NON DÉFINI.4 2. SCIENTIFIC KNOWLEDGE AND AVAILABLE INFORMATION........................ 6 2.1. REFERENCE DOCUMENTS AND AVAILABLE INFORMATION ...................................... 6 2.2. -
Strategic Environmental Impact Study
Interreg IPA Cross-border Cooperation Programme Croatia-Bosnia and Herzegovina-Montenegro 2014-2020 STRATEGIC ENVIRONMENTAL IMPACT STUDY Final revised versions that incorporates inputs from consultations with the public and relevant authorities Zagreb, May 2015 IPA Cross-border Cooperation Programme Croatia–Bosnia and Herzegovina-Montenegro 2014-2020 Strategic Environmental Impact Study Document quality information Authors of SEA Jiří Dusík, Dipl. Engineer - Water Resource Engineering Study Marta Brkić, B.Sc. Agronomy - Landscape Architect Ivana Šarić, B.Sc. Biology Jelena Fressl, B.Sc. Biology M.Sc. Konrad Kiš, B.Sc. Forestry Ivan Juratek, B.Sc. Agronomy - Landscape Architect Vjeran Magjarević, B. Sc. Phys. Tomislav Hriberšek, B.Sc. Geology Ines Geci, B.Sc. Geology Mario Pokrivač, B.Sc. Traffic, Occupational Safety Specialist Authors of Ivana Šarić, B.Sc. Biology Appropriate Jelena Fressl, B.Sc. Biology Assessment M.Sc. Konrad Kiš, B.Sc. Forestry Tajana Uzelac Obradović, B.Sc. Biology Project name Ex-ante evaluation and Strategic Environmental Assessment for Interreg IPA Cross-Border Cooperation Programme Croatia–Bosnia and Herzegovina-Montenegro 2014-2020 Document name Strategic Environmental Impact Study Version and Final draft incorporating comments after public consultations (20 May dates 2015) Reference U070_14 Managing Directorate for Managing Cooperation Programmes and Regional authority Development within the Agency for Regional Development Sent to Service for Managing Cooperation Programmes Sent on (date): 20 May 2015 Contact -
World Bank Document
work in progress for public discussion Public Disclosure Authorized Water Resources Management in South Eastern Public Disclosure Authorized Europe Volume II Country Water Notes and Public Disclosure Authorized Water Fact Sheets Environmentally and Socially Public Disclosure Authorized Sustainable Development Department Europe and Central Asia Region 2003 The International Bank for Reconstruction and Development / The World Bank 1818 H Street, N.W., Washington, DC 20433, USA Manufactured in the United States of America First Printing April 2003 This publication is in two volumes: (a) Volume 1—Water Resources Management in South Eastern Europe: Issues and Directions; and (b) the present Volume 2— Country Water Notes and Water Fact Sheets. The Environmentally and Socially Sustainable Development (ECSSD) Department is distributing this report to disseminate findings of work-in-progress and to encourage debate, feedback and exchange of ideas on important issues in the South Eastern Europe region. The report carries the names of the authors and should be used and cited accordingly. The findings, interpretations and conclusions are the authors’ own and should not be attributed to the World Bank, its Board of Directors, its management, or any member countries. For submission of comments and suggestions, and additional information, including copies of this report, please contact Ms. Rita Cestti at: 1818 H Street N.W. Washington, DC 20433, USA Email: [email protected] Tel: (1-202) 473-3473 Fax: (1-202) 614-0698 Printed on Recycled Paper Contents -
Laws on Reproductive Technologies in Contemporary Croatia
(E)Uturus: Laws on Reproductive Technologies in Contemporary Croatia By Zorana Barisic Submitted to Central European University Department of Gender Studies In partial fulfillment for the degree of Master of Arts in Gender Studies Supervisor: Associate Professor Éva Fodor Second Reader: Associate Professor Anna Loutfi Budapest, Hungary CEU eTD Collection 2013 ABSTRACT Within the span of three years, Croatia introduced the most conservative and potentially the most liberal law in Europe on medically assisted reproduction (MAR), all while under the shadow of its accession to the European Union. The aim of this thesis is to show why these laws were passed and how the undergoing process of Europeanization affected significant changes happen to the laws on MAR in such a short period of time in Croatia. I argue that Europeanization played a significant role in the policy making process in Croatia when it comes to makings of these laws. The will show how the notion of “Europe” can easily be used by the actors on a national level in order to push their own agendas. The use of Europeanization process as a means for policy making process on a national level bared little or none connection to the EU whatsoever in Croatian case. I will show how HDZ (the Croatian Democratic Party) actively used a technical framework provided by the Europeanization process in order to push the controversial law on medically assisted reproduction in 2009. Also, I will show how the process of accession to EU imposes a discourse actively reproduced by the actors on a national level in order to legitimize their actions and discipline other actors in order to destabilize their position within the political system. -
Inland Treasures of Croatia
Inland treasures of Croatia Full of inspiration Don’t fill your life with days, fill your days with life. photos by zoran jelača Discover your story at croatia.hr CroatiaInland Treasures KOPAčKI RIT | 4-7 VUKOVAR | 8-11 FROM ILOK TO VUKOVAR | 12-15 EASTERN CROATIA | 16-19 PAPUK | 20-23 POŽEGA | 24-27 LONJSKO POLJE | 28-31 MOSLAVAČKA GORA | 32-33 MEĐIMURJE | 34-37 CYCLING TOURISM | 38-41 VARAŽDIN | 42-45 CASTLES OF ZAGORJE | 46-49 HEALTH TOURISM | 50-51 MEDVEDNICA | 52-55 ZAGREB | 56-59 KARLOVAC | 60-63 AQUATIKA | 64-67 GORSKI KOTAR | 68-71 VIA ADRIATICA | 72-75 Over UčKA MOUNTAIN | 76-77 ISTRIA BY BIKE | 78-81 THE UNA RIVER | 82-83 LIKA | 84-87 VELEBIT | 89-93 THE ZRMANJA AND THE KruPA | 94-95 SINJ | 96-99 IMOTSKI | 100-103 NeretvA RIVER PARADISE | 104-107 LIST OF REPRESENTATIVE OffICES | 108 2 Introduction Croatia hides a secret. A secret that deserves to be revealed. Hidden in the obvious and ready for you. If you really think you deserve a vacation other than the sea or skiing, we suggest that after the daily stresses, the rush and the constant commitment, you finally decide to replace the stone and the sea, the holm oaks and the pines with the shade of Slavonian oak, the ash, the thick forest arch of Gorski Kotar, the greenery of Međimurje... Head, therefore, to that part of our country which is within our reach, green and flat or hilly and golden in its summer or autumn colors, and yet mostly distant and unknown to the most. -
STREAMS of INCOME and JOBS: the Economic Significance of the Neretva and Trebišnjica River Basins
STREAMS OF INCOME AND JOBS: The Economic Significance of the Neretva and Trebišnjica River Basins CONTENTS EXECUTIVE SUMMARY 3 Highlights – The Value of Water for Electricity 5 Highlights – The Value of Water for Agriculture 8 Highlights – The Value of Public Water Supplie 11 Highlights – The Value of Water for Tourism 12 Conclusion: 13 BACKGROUND OF THE BASINS 15 METHODOLOGY 19 LAND USE 21 GENERAL CONTEXT 23 THE VALUE OF WATER FOR ELECTRICITY 29 Background of the Trebišnjica and Neretva hydropower systems 30 Croatia 33 Republika Srpska 35 Federation Bosnia and Herzegovina 37 Montenegro 40 Case study – Calculating electricity or revenue sharing in the Trebišnjica basin 41 Gap Analysis – Water for Electricity 43 THE VALUE OF WATER FOR AGRICULTURE 45 Federation Bosnia and Herzegovina 46 Croatia 51 Case study – Water for Tangerines 55 Case study – Wine in Dubrovnik-Neretva County 56 Case study – Wine in Eastern Herzegovina 57 Republika Srpska 57 Gap Analysis – Water for Agriculture 59 Montenegro 59 THE VALUE OF PUBLIC WATER SUPPLIES 63 Republika Srpska 64 Federation Bosnia and Herzegovina 66 Montenegro 68 Croatia 69 Gap Analysis – Public Water 70 THE VALUE OF WATER FOR TOURISM 71 Croatia 72 CONCLUSION 75 REFERENCES 77 1st edition Author/data analysis: Hilary Drew With contributions from: Zoran Mateljak Data collection, research, and/or translation support: Dr. Nusret Dresković, Nebojša Jerković, Zdravko Mrkonja, Dragutin Sekulović, Petra Remeta, Zoran Šeremet, and Veronika Vlasić Design: Ivan Cigić Published by WWF Adria Supported by the -
Neretva and Trebišnjica River Basin (NTRB)
E1468 Consulting Services for Environment Impact Assessment Public Disclosure Authorized in the Neretva and Trebišnjica River Basin (NTRB) No. TF052845/GE-P084608 Public Disclosure Authorized F I N A L EIA R E P O R T Public Disclosure Authorized Public Disclosure Authorized Sarajevo/Banja Luka, August 2006 Bosnia and Herzegovina and Croatia Proposed Integrated Ecosystem Management of the Nerteva and Trebišnjica River Basin (NTRB) Project Table of Contents Abbreviations and Acronyms EXECUTIVE SUMMARY List of Tables List of Pictures List of Annexes References 1. PROJECT DESCRIPTION .....................................................................................14 1.1. Background .............................................................................................. 14 1.2. Project objectives..................................................................................... 15 1.3. Project components ................................................................................. 16 2. POLICY, LEGAL AND ADMINISTRATIVE FRAMEWORK ......................................21 2.1. Overall Project Implementation Arrangements....................................... 21 2.2. Requirements of the WB .......................................................................... 22 2.3. Bosnia and Herzegovina environmental policy ........................................ 23 2.4. Legislation of Republic of Croatia ............................................................ 26 2.5. Evaluation of project environmental aspects .................................................27