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Wioletta Magdalena Pacholarz, Stanisław Borkowski, Bancassurance in the Opinion of Individual Customer of Świętokrzyskie Voivodeship

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Wioletta Magdalena Pacholarz, Stanisław Borkowski, Bancassurance in the Opinion of Individual Customer of Świętokrzyskie Voivodeship ZESZYTY NAUKOWE MAŁOPOLSKIEJ WYŻSZEJ SZKOŁY EKONOMICZNEJ W TARNOWIE numer 4 Tarnów 2017 Zeszyty Naukowe Małopolskiej Wyższej Szkoły Ekonomicznej w Tarnowie, t. 36 Kwartalnik, nr 4, grudzień 2017 Rada Programowa prof. dr Alina Bǎdulescu (Rumunia), prof. dr Elsa Barbosa (Portugalia), dr inż. Radka Johnová (Czechy), prof. dr hab. Leszek Kałkowski (Polska), prof. dr Memet Karakuş (Turcja), prof. dr Androniki Kavoura (Grecja), prof. dr hab. Leszek Kozioł (Polska), prof. dr hab. Zenon Muszyński – przewodniczący (Polska) , prof. dr Ivars Muzis (Łotwa), prof. dr Saša Petar (Chorwacja), prof. dr Jarmila Radová (Czechy), prof. dr Elisabete Rodrigues (Portugalia), prof. dr hab. Wasilij Rudnicki (Ukraina), prof. dr hab. Jan Siekierski (Polska), prof. dr Paloma Taltavull de la Paz (Hiszpania), mgr Lidia Matuszewska – sekretarz (Polska) Redaktor naczelny prof. dr hab. Leszek Kozioł Redaktorzy tematyczni dr Michał Kozioł dr Janusz Ząbek Redaktor statystyczny dr hab. Michał Woźniak, prof. MWSE Opracowanie redakcyjne Anastazja Oleśkiewicz Adres redakcji Małopolska Wyższa Szkoła Ekonomiczna Redakcja Zeszytów Naukowych ul. Waryńskiego 14, 33-100 Tarnów, Polska tel.: +48 14 65 65 553 faks: +48 14 65 65 561 http://zn.mwse.edu.pl e-mail: [email protected] Redakcja informuje, że wersją pierwotną (referencyjną) czasopisma jest wydanie papierowe. Wszystkie artykuły zamieszczone w czasopiśmie są recenzowane. Pełne teksty artykułów są zamieszczane na stronie internetowej czasopisma: http://zn.mwse.edu.pl. Zgodnie z wykazem Ministerstwa Nauki i Szkolnictwa Wyższego publikacjom naukowym zamieszczonym w czasopiśmie przyznawane jest 9 punktów. Indeksowane w POL-index, Index Copernicus (ICV 2016: 72,50), CEJSH, BazEkon © Copyright by Małopolska Wyższa Szkoła Ekonomiczna w Tarnowie Tarnów 2017 Printed in Poland Wydanie I, nakład 100 egz. Druk i oprawa: Drukarnia „Luxor” ul. D. Jurandówny 22, 30-398 Kraków, Polska tel.: +48 12 268 09 00 e-mail: [email protected] THE MAŁOPOLSKA SCHOOL OF ECONOMICS IN TARNÓW RESEARCH PAPERS COLLECTION issue 4 Tarnów 2017 The Małopolska School of Economics in Tarnów Research Papers Collection, vol. 36 Quarterly, issue 4, December 2017 Programme Council Prof. dr Alina Bǎdulescu, PhD (Romania), Prof. Elsa Barbosa, PhD (Portugal), Ing. Radka Johnová, PhD (Czech Republic), Prof. Leszek Kałkowski, PhD (Poland), Prof. Memet Karakuş, PhD (Turkey), Prof. Androniki Kavoura, PhD (Greece), Prof. Leszek Kozioł, PhD (Poland), Prof. Zenon Muszyński, PhD— President (Poland) , Prof. Ivars Muzis, PhD (Latvia), Prof. Saša Petar, PhD (Croatia), Prof. Jarmila Radová, PhD (Czech Republic), Prof. Elisabete Rodrigues, PhD (Portugal), Prof. Vasiliy Rudnitskiy, PhD (Ukraine), Prof. Jan Siekierski, PhD (Poland), Prof. Paloma Taltavull de la Paz, PhD (Spain), Lidia Matuszewska, MA—Secretary (Poland) Chief Editor Prof. Leszek Kozioł, PhD Subject Editors Michał Kozioł, PhD Janusz Ząbek, PhD Statistical Editor Prof. Michał Woźniak, PhD Editor Anastazja Oleśkiewicz Editorial Office Małopolska School of Economics Editorial Office ul. Waryńskiego 14, 33-100 Tarnów, Poland tel.: +48 14 65 65 553 fax: +48 14 65 65 561 http://zn.mwse.edu.pl e-mail: [email protected] The Editorial Board informs that the reference version of this magazine is its paper edition. All articles published in the journal are subject to reviews. Full-text articles are posted on the website of the journal: http://zn.mwse.edu.pl. According to the regulations of the Ministry of Science and Higher Education, scientific publication in the journal is awarded 9 points. Indexed in POL-Index, Index Copernicus (ICV 2016: 72,50), CEJSH, BazEkon © Copyright by Małopolska School of Economics in Tarnów Tarnów 2017 Printed in Poland First edition of 100 copies Printed and bounded at the Drukarnia ‘Luxor’ ul. D. Jurandówny 22, 30-398 Kraków, Poland tel.: +48 12 268 09 00 e-mail: [email protected] Contents Foreword . 9 ECONOMICS PETYA VELEVA-DONEVA, STEFKA ATANASSOVA, GEORGI ZHELYAZKOV, Innovative engineering methods for quality evaluation and food safety . 13 Jarosław wenancJusz Przybytniowski, Dominik bucki, wioletta magDalena Pacholarz, stanisław borkowski, Bancassurance in the opinion of individual customer of Świętokrzyskie Voivodeship. 25 MANAGEMENT leszek kozioł, The concept of dichotomy of the innovation process in an enterprise . 43 sanDra isabel roDrigues bailoa, Intellectual capital: The strategic resource of organizations. 57 wioletta magDalena Pacholarz, Dominik bucki, Perception and understanding of quality in Deming’s management theory and quality process improvement in education. 77 wasiliJ ruDnicki, oksana kunDrya-Vysotska, Strategic accounting: The need and prerequisites . 91 ERGONOMICS Paweł krzos, The usage of colours as a text highlighting technique. 101 ALEKSANDRA E. JASIAK, Ergonomic awareness and its shaping. 111 TOURISM KRZYSZTOF SALA, Entrepreneurship in tourism as exemplified by the Lubusz Voivodeship. Present state and development perspectives. 131 Reviewers of the articles published in 2017. 143 © 2017 MWSE The Małopolska School of Economics in Tarnów Research Papers Collection, vol. 36, iss. 4, December 2017 Spis treści Słowo wstępne . 9 EKONOMIA PETYA VELEVA-DONEVA, STEFKA ATANASSOVA, GEORGI ZHELYAZKOV, Innowacyjne metody inżynieryjne w ocenie jakości i bezpieczeństwa żywności. 13 Jarosław wenancJusz Przybytniowski, Dominik bucki, wioletta magDalena Pacholarz, stanisław borkowski, Bancassurance w opinii klienta indywidualnego województwa świętokrzyskiego. 25 ZARZĄDZANIE leszek kozioł, Koncepcja dychotomii procesu innowacji w przedsiębiorstwie. 43 sanDra isabel roDrigues bailoa, Kapitał intelektualny – strategiczne zasoby organizacji. 57 wioletta magDalena Pacholarz, Dominik bucki, Jakość w teorii zarządzania Deminga i jej implementacja w procesie kształcenia. 77 wasiliJ ruDnicki, oksana kunDrya-Vysotska, Strategiczna rachunkowość zarządcza – koncepcje i potrzeby . 91 ERGONOMIKA Paweł krzos, Wykorzystanie kolorów jako techniki wyróżniania tekstu . 101 ALEKSANDRA E. JASIAK, Świadomość ergonomiczna i jej kształtowanie. 111 TURYSTYKA KRZYSZTOF SALA, Przedsiębiorczość turystyczna na przykładzie województwa lubuskiego – stan obecny i perspektywy rozwoju. 131 Recenzenci artykułów opublikowanych w roku 2017. 143 © 2017 MWSE The Małopolska School of Economics in Tarnów Research Papers Collection, vol. 36, iss. 4, December 2017 Foreword Economics is a science whose fundamental goal and object of research is to find out the reasons of economic processes and social phenomena, as well as to assess the value of things, ideas. The goal can be achieved in two ways: by indicating the model of a well functioning enterprise, economy or the whole society or by diagnosing what the situation is like today in an economy or an enterprise. Therefore, we deal with theorizing, modelling the mentioned phenomena and processes, and with surveys. Both activities are necessary to operate more effectively. The first one sets the direction and the goal of activity, the other one defines the methods and means to achieve it. It is in these cases that the source of inspiration, assistance is provided by theory, knowledge from experience, creativity of individuals. It is included in each of the articles constituting this issue of The Małopolska School of Economics in Tarnów Research Papers Collection, already the 36th issue. It is worth mentioning that each presented approach adds new ideas to the current knowledge on management, and the process changes the mindsets of managers and their organizational behaviours. The Research Papers Collection is the work of scientific and didactic workers of our School and employees from other Polish and foreign universities, such as: Polytechnic In- stitute of Beja in Portugal, Lviv Educational Institute of the Higher Educational Institution ‘Banking University’ in Ukraine, Trakia University in Stara Zagora, Bulgaria, Poznan Uni- versity of Technology, Wrocław University of Science and Technology, AGH University of Science and Technology, Pedagogical University of Cracow, Jan Kochanowski University in Kielce, and Kielce University of Technology. The papers, being the effect of scientific work conducted within basic and implementation re- search, provide a lot of interesting information in terms of cognition and application. The prob- lems of the articles making up this Journal concentrate mainly around the issues of human capi- tal management, ergonomics, as well as entrepreneurship and innovativeness of organizations. In the collected articles, the Reader will find a lot of theoretical approaches concerning: in- novation process and the method of studying the innovative ability of an enterprise, intellec- tual capital management, the methods of studying and improving the quality assurance sys- tem in an organization, the application of ergonomics principles in office work and teaching students, or tourism entrepreneurship. The Journal can be an interesting and useful reference for organization and management, tourism and pedagogics theoreticians, as well as students and practicians. I would like to thank all those who co-created this issue of the Research Papers Collection, particularly the Editors who made an effort to give opinions about the articles sent in, the Review- ers for substantive and valuable remarks, and all the Editorial Team, as well as all collaborators. Leszek Kozioł Editor-in-Chief © 2017 MWSE The Małopolska School of Economics in Tarnów Research Papers Collection, vol. 36, iss. 4, December 2017 ECONOMICS Innovative engineering methods
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