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Wyświetlanie 1-15 z 217
Tytuł:
Income Preferences and Household Savings
Autorzy:
Liberda, Zofia B.
Powiązania:
https://bibliotekanauki.pl/articles/953215.pdf
Data publikacji:
2007-09-30
Wydawca:
Szkoła Główna Handlowa w Warszawie. Kolegium Analiz Ekonomicznych
Tematy:
income preferences
disposable income
household savings
saving profiles
Opis:
In this paper, the author deals with the saving profiles of households in relation to the perception of their subjectively preferred incomes. The author shows that household savings are influenced by a behavioral attitude concerning the evaluation of one’s household income. The variable used in the analysis of household behavior is an income preference ratio constructed by the author. This variable is computed as a ratio of the subjectively preferred income as declared by the household head to the current disposable income of the household. An analysis of the income preference ratio has been conducted with respect to the age and gender of the household head. It shows that women as heads of households generally have lower expectations regarding preferred income and that income preferences vary according to the age of the household head, being the highest at a young age. Household savings are correlated with the level of current disposable income and income preferences. Positive household savings can even be observed among households with very low incomes. Savings rise significantly in households with income higher than “sufficient” and are very high in households with “good” and “very good” income. The results of the analysis show that the income preferences of Polish households tend toward higher income levels than the actual level of disposable income. The propensity to save suggests that the financial condition of Polish households may be better than subjectively perceived and declared by the household head. The subjectively preferred incomes of households positively influence household saving profiles, with the exception of households with “insufficient” incomes. The research is based on 2004 data for 32,000 households from Household Budget Surveys for Poland.
Źródło:
Gospodarka Narodowa. The Polish Journal of Economics; 2007, 218, 9; 19-30
2300-5238
Pojawia się w:
Gospodarka Narodowa. The Polish Journal of Economics
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Energy costs savings by use of micro - CHP units in domestic households
Autorzy:
Błasiński, T.
Kaźmierczak, A.
Krakowian, K.
Cienciała, M.
Powiązania:
https://bibliotekanauki.pl/articles/242051.pdf
Data publikacji:
2013
Wydawca:
Instytut Techniczny Wojsk Lotniczych
Tematy:
micro cogeneration
CHP issues
Stirling engines
cost savings
primary energy savings
Opis:
Prices of thermal and electric energy delivered to households are constantly increasing, and it will probably not change over the next few years. Due to this fact, people had been forced to find different ways to reduce costs of buying energy. The paper contains description of the most popular systems which are already in use from many years and some innovative systems which are implemented now, or which may be probably installed in nearly future – for example: internal combustion engines, Stirling engines, proton exchange membrane fuel cells, gas turbines, engines with Rankine cycle, etc. Each of mentioned above appliances is necessary to create CHP system which advantages and disadvantages are also described. In this publication, the most promising units have been compared to show their performance, flexibility, profitability and range of using ability. In this paper, approximate money and energy savings that may occur by using modern solutions compared to traditional systems are also shown. As always, during design and development of this kind of devices, there are a lot of problems related to various issues. Main problems and potential solutions have been also presented in this article. In summary further research, directions are suggested due to improve performance of this kind of systems.
Źródło:
Journal of KONES; 2013, 20, 3; 41-46
1231-4005
2354-0133
Pojawia się w:
Journal of KONES
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Interest rate dynamics on savings: Evidence from Sri Lanka
Autorzy:
Aslam, A. L. Mohamed
Powiązania:
https://bibliotekanauki.pl/articles/1165693.pdf
Data publikacji:
2018
Wydawca:
Przedsiębiorstwo Wydawnictw Naukowych Darwin / Scientific Publishing House DARWIN
Tematy:
Dynamics
Economists
Interest rate
Policymakers
Savings
Sri Lanka
Opis:
Economists believe the interest rate is an interim agent for savings, which promotes the people to lose their present consumption continuously. So, this study also assumed that there was a relationship between the interest rate and savings. Based on that, the objective of this study was to explore the interest rate dynamics on savings in Sri Lank over the period of 1977 to 2017. In this study annual time series data for the following variables: interest rate, savings, and gross domestic product were used, and the Johansen and Juselius cointegration technique was employed to test the cointegration relationship between the variables. In this study, interest rate was considered as key independent variable and savings was dependent variable. Both Augmented Dickey-Fuller (ADF) and Kwiatkowski – Phillips – Schmidt – Shin tests were employed to test the stationarity of the variables. In terms of these tests, all variable were stationary at first difference level. Furthermore, interest rate and savings had the long run relationship and there was short-run causality between interest rate and savings which was confirmed by the results of Vector Error Correction model (VECM). Therefore, the interest rate had long - run and short - run relationship on the savings in Sri Lanka. Finally, this study recommends the policy makers should consider interest rate friendly policy to boost the savings in Sri Lanka.
Źródło:
World Scientific News; 2018, 107; 224-232
2392-2192
Pojawia się w:
World Scientific News
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Work zone traffic management in rehabilitation of M-2
Autorzy:
Adeel, M.
Khurshid, M. B.
Shakir, M. K.
Powiązania:
https://bibliotekanauki.pl/articles/2140972.pdf
Data publikacji:
2018
Wydawca:
Fundacja Centrum Badań Socjologicznych
Tematy:
work zone traffic management
highway work zone layout
rehabilitation
travel time savings
crash cost savings
vehicle operating cost savings
Opis:
Pakistan has a population of over 199 million and total road network of approximately 264,400 kilometers that serve about 16.2 million vehicles of all types. According to WHO estimates, there were approximately 30,000 annual Road Crash Fatalities (RCF) in Pakistan in year 2010. Work zone crashes account for significant proportion of all traffic crashes in Pakistan due to higher crash rate as compared to other parts of the highway network. Highway work zone is referred to road area where highway construction, maintenance or activity related to utility maintenance takes place. Workers in highway work zone are exposed to a variety of hazards and face risk of injury and death from construction equipment as well as passing motor vehicles. Safety measures and better understanding of risks involved while moving through the work zone have significant effects on the overall safety climate at work zones. Mismanaged work zone traffic increases the travel time delays, safety issues, vehicle operating costs (VOC) and other associated costs. Performance measures for the work zone traffic management includes user costs (travel time delay, crash cost, VOC), incident response and clearance time, queue length and community complaint. Different work Zone Traffic Management methodologies are being practiced worldwide and extensive research has been carried out at international level on country specific highway work zone safety but in Pakistan very few studies have been carried out on highway work zones. This research aims to critically analyze the impacts of the different Work Zone Traffic Management methods and recommend the best option for Expressways/Motorways in Pakistan. For the purpose of research, the author has selected a section of Motorway (M-2). Two different work zone traffic management methods are being followed in rehabilitation of M-2 .i.e. Parallel/Adjacent Method and Median Cross-Over Method. Performance measures selected for purpose of analysis are Travel Time Delay, Crash Cost (Safety) and VOC and data collected on section of M-2. After critical analysis, it is concluded that Parallel / Adjacent Method results in lesser Travel Time delay and lesser VOC due to higher operating speeds and thus has higher savings, whereas Median Cross over Methods yield more Crash Cost savings. Keeping in view the driving habits / skills, poor maintenance of vehicles in Pakistan and risk of fatal accidents involved in parallel/adjacent method, median cross over method is preferred.
Źródło:
Journal of Sustainable Development of Transport and Logistics; 2018, 3, 3; 99-108
2520-2979
Pojawia się w:
Journal of Sustainable Development of Transport and Logistics
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Emergency Medicine: a specialty that deserves “re-branding,” because it enables large financial savings!
Autorzy:
Gaddis, Gary M.
Powiązania:
https://bibliotekanauki.pl/articles/25708938.pdf
Data publikacji:
2023-09-19
Wydawca:
Gdański Uniwersytet Medyczny
Tematy:
health care costs
emergency medicine
dogmas
savings
Opis:
Emergency departments are costly to maintain. They remain open every hour of the year to provide care for those who need it, when they need it. Therefore, emergency departments are a crucial resource for any modern society, and no sensible person would want to close them, despite their cost. However, the view held by many, that the care provided in an emergency department is excessively costly, is just plain wrong. When our doctors’ and our specialty’s performance is viewed objectively, it becomes clear that emergency physicians have become crucial agents of cost savings. Therefore, EPs have earned the right to proudly “re-brand” themselves not as high-cost care providers, but as indispensable, money-savers in any nation’s health care enterprise. If you don’t believe that, continue reading this commentary.
Źródło:
European Journal of Translational and Clinical Medicine; 2023, 6, 2; 5-9
2657-3148
2657-3156
Pojawia się w:
European Journal of Translational and Clinical Medicine
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Do foreign direct investment and savings promote economic growth in Poland?
Autorzy:
Soylu, Ozgur Bayram
Powiązania:
https://bibliotekanauki.pl/articles/557864.pdf
Data publikacji:
2019
Wydawca:
Uniwersytet Ekonomiczny w Poznaniu
Tematy:
economic growth
savings rate
foreign direct investment
ARDL bound testing
Opis:
This study aims to investigate the impact of savings and foreign direct investment on economic growth in Poland. Savings play an important role in achieving sustainable growth. High saving rates are also an important tool to increase resilience to financial shocks. The economic climate that emerged following the financial crisis revealed problems with the economy of Poland to obtain foreign financing. The decrease in foreign direct investment has led to an unpredictable economic environment for developing countries such as Poland. The decrease in foreign direct investment has led to lower growth rates for an emerging market such as the economy of Poland. The relationship economic growth rate, saving and foreign direct investment are examined for Poland over the period 1992-2016 by using the Autoregressive Distributed Lag (ARDL) bounds testing approach. According to this approach there is a cointegration relationship between the series and a 1% increase in savings which leads to a 0.81% increase on economic growth rate. Also a 1% increase in foreign direct investment (FDI) leads to a 1.52% increase in the economic growth rate.
Źródło:
Economics and Business Review; 2019, 5 (19), 4; 3-22
2392-1641
Pojawia się w:
Economics and Business Review
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Portfolio oszczędnościowe gospodarstw domowych seniorów
Savings Portfolio of Elder People’s Households
Портфель сбережений домохозяйств пожилых людей
Autorzy:
Anioła-Mikołajczak, Paulina
Powiązania:
https://bibliotekanauki.pl/articles/563811.pdf
Data publikacji:
2017
Wydawca:
Polski Instytut Ekonomiczny
Tematy:
gospodarstwa domowe seniorów oszczędności gospodarstw domowych
formy gromadzenia oszczędności
portfel oszczędnościowy
analiza skupień
households of elder people households savings
forms of savings accumulation
savings portfolio
cluster analysis
домохозяйства пожилых людей сбережения домохозяйств
формы накопления сбережений
портфель сбережений
кластерный анализ
Opis:
W artykule przedstawiono wyniki klasyfikacji gospodarstw domowych osób powyżej 50. roku życia na podstawie składu ich portfela oszczędnościowego. Materiał badawczy stanowiły dane jednostkowe Diagnozy Społecznej. Za pomocą analizy skupień wyodrębniono 4 typy gospodarstw seniorów1: „gotówkowcy” (46%), oszczędzający w banku i unikający gotówki (26%), oszczędzający w banku i w gotówce (25%), zdywersyfikowani (3%). Gospodarstwa domowe osób starszych w Polsce korzystają głównie z bezpiecznych, nie wymagających zaangażowania produktów oszczędnościowych, przy czym prawie połowa badanych gospodarstw seniorów wolne środki akumuluje jedynie w postaci gotówki. Artykuł ma charakter badawczy.
The article presents the results of the classification of households of people over 50 on the basis of the composition of their savings portfolio. The data used in the analysis come from the Social Diagnosis. By using the cluster analysis 4 types of elder people’s households2 were distinguished: saving in cash (46%), saving in banks and avoiding cash (26%), saving in bank and in cash (25%), diversified (3%). Households of elder people in Poland mainly use safe savings products that do not require their involvement. Almost half of the surveyed households of seniors accumulate their savings only in the form of cash. The paper is a research article.
В статье представлены результаты классификации домохозяйств лиц в возрасте свыше 50 лет на основе состава их портфеля сбережений. Исследовательский материал представляли индивидуальные данные «Общественного диагноза». С помощью кластерного анализа выделили 4 типа домохозяйств пожилых людей3: предпочитающие наличную форму денег (46%), сберегающие в банке и избегающие наличных (26%), сберегающие в банке и наличными (25%), диверсифицированные (3%). Домохозяйства пожилых людей в Польше пользуются в основном безопасными, не требующими вовлечения продуктами сбережений, причем почти половина обследуемых домохозяйств пожилых людей свободные средства накопляет лишь в виде наличных. Статья имеет исследовательский характер.
Źródło:
Handel Wewnętrzny; 2017, 4 (369) Tom I; 5-23
0438-5403
Pojawia się w:
Handel Wewnętrzny
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Multicriteria Decision Making (MCDM) for evaluation of different transportation alternatives: A case of Rawalpindi bypass Pakistan
Autorzy:
Shakir, M. K.
Khurshid, M. B.
Iqbal, J.
Adeel, M.
Powiązania:
https://bibliotekanauki.pl/articles/2140952.pdf
Data publikacji:
2018
Wydawca:
Fundacja Centrum Badań Socjologicznych
Tematy:
Rawalpindi bypass
multi criteria decision making
travel time savings
safety savings
vehicle operating cost savings
air quality impact
Opis:
Safe, efficient and user-friendly transportation of people and goods have been a premier point of concern for all the developed and the developing countries around the globe. National Highway N-5 or GT road is the most important highway link in Pakistan. It carries about 80% of the country freight traffic. When this heavy traffic passes through the twin cities of Rawalpindi and Islamabad, it causes congestion and environmental hazards particularly in business centers of Rawalpindi city. Because of this heavy traffic volume passing through the cities situated along N-5, bypasses to all of them have been provided however, Rawalpindi is the only city along N5 which is still without a bypass. A bypass to Rawalpindi city is, therefore, inevitable. Besides this, the Bypass will also provide a short access to the traffic on the Motorway (M2) destined for the western part of Rawalpindi. For this research work, Rawalpindi Bypass is taken as a hypothetical scenario and is evaluated for its benefits. Besides addition to the networks of highways across Pakistan, this bypass has many other benefits which include a decrease in congestion from Islamabad and Rawalpindi main arteries (ISB Highway and IJP Road) that results in travel time savings, vehicle operating cost savings, safety savings, and reduced air pollution. This research aims to produce an engineering and scientific comparison of various costs and benefits associated with the road agency and users about the construction of an alternative. The Project involves transportation demand estimation on different segments of the National and Arterial roads, Project Costs, travel time savings, safety saving, vehicle operating cost savings, economic efficiency analysis, Air quality impact and multi criterion transportation decision making. The transportation decision making process usually involves the evaluation of effectiveness and efficiency of an alternative decision with respect to a base case DO-NOTHING Scenario. The authors have taken the existing roadway structure with no improvements as DO-NOTHING Scenario, whereas the construction of Rawalpindi Bypass (60 km) with 2 lanes in each direction is taken as Alternative B and Rawalpindi Bypass (51 km) as Alternative C. Multi criteria decision making technique is used for decision because of multiple options with different dimensions, both monetary and non-monetary. Basing of MCDM this study recommends Alternative C (51 km) for Rawalpindi Bypass.
Źródło:
Journal of Sustainable Development of Transport and Logistics; 2018, 3, 3; 38-54
2520-2979
Pojawia się w:
Journal of Sustainable Development of Transport and Logistics
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Ubezpieczenia na życie w strukturze oszczędności gospodarstw domowych
Autorzy:
Ostrowska-Dankiewicz, Anna Izabela
Powiązania:
https://bibliotekanauki.pl/articles/609800.pdf
Data publikacji:
2016
Wydawca:
Uniwersytet Marii Curie-Skłodowskiej. Wydawnictwo Uniwersytetu Marii Curie-Skłodowskiej
Tematy:
theories of savings
household savings
life insurance
teorie oszczędzania
oszczędności gospodarstw domowych
ubezpieczenia na życie
Opis:
The article presents the reasons and economic factors inclining households to save, taking into account the theoretical models constituting the foundations of household financial planning, with special emphasis on retirement plans. The author pointed at the role of insurers on the financial market, characterizing the most important life insurance products demonstrating saving features. The review of financial institutions allowed the author to present the level and structure of household savings in Poland and in particular regions of the world, with special attention paid to life insurance and products belonging to pension insurance.
W artykule zaprezentowano motywy i ekonomiczne czynniki skłonności gospodarstw domowych do oszczędzania, z uwzględnieniem teoretycznych modeli stanowiących o podstawach planowania finansowego gospodarstw domowych i z podkreśleniem znaczenia systemów emerytalnych. Wskazano także rolę ubezpieczycieli na rynku finansowym, charakteryzując najistotniejsze ubezpieczeniowe produkty na życie o cechach oszczędnościowych. Na podstawie przeglądu danych instytucji finansowych zaprezentowano poziom i strukturę oszczędności gospodarstw domowych w Polsce, a także z podziałem na regiony świata, ze szczególnym uwzględnieniem miejsca ubezpieczeń na życie i produktów w ramach ubezpieczeń emerytalnych.
Źródło:
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia; 2016, 50, 4
0459-9586
Pojawia się w:
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Savings Banks and Cooperative Banks in European Banking Systems
Autorzy:
Schmidt, Reinhard H.
Bülbül, Dilek
Schüwer, Ulrich
Powiązania:
https://bibliotekanauki.pl/articles/485173.pdf
Data publikacji:
2014
Wydawca:
Bankowy Fundusz Gwarancyjny
Tematy:
Savings banks, Cooperative banks, Banking system
Banki oszczędnościowe, Banki spółdzielcze, System bankowy
Opis:
Until about 25 years ago, almost all European countries had a so-called "three pillar" banking system comprising private banks, public savings banks and (mutual) cooperative banks. Since that time, several European countries have implemented far-reaching changes in their banking systems, which have more than anything else affected the two "pillars" of the savings and cooperative banks. The paper first describes these changes and points out the specific situation in Germany, as this country is almost unique in so far as the German savings banks and cooperative banks have maintained most of their traditional features. The article then describes the structure of the German "Three-Pillar" banking system and the place and role of savings and cooperative banks in it and concludes with a plea for diversity of institutional forms of banks by arguing why it is important to safeguard the strengths of those types of banks that do not conform to the model of a large shareholder-oriented commercial bank.
Źródło:
Bezpieczny Bank; 2014, 2(55); 38-49
1429-2939
Pojawia się w:
Bezpieczny Bank
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Lokaty bankowe jako narzędzie gromadzenia oszczędności na emeryturę
Bank deposits as an instrument for collecting savings for retirement
Autorzy:
Damps-Lewińska, E.
Powiązania:
https://bibliotekanauki.pl/articles/202937.pdf
Data publikacji:
2017
Wydawca:
Politechnika Poznańska. Wydawnictwo Politechniki Poznańskiej
Tematy:
gospodarstwo domowe
oszczędności
emerytura
household
savings
retirement
Opis:
W artykule poruszono problematykę zabezpieczenia finansowego gospodarstwa domowego w okresie po przejściu na emeryturę jego członków. Zaprezentowano wyniki analizy możliwości wykorzystania instrumentu rynku finansowego, jakim jest lokata bankowa, w celu poprawy sytuacji materialnej gospodarstwa domowego, które znajduje się w fazie nieaktywności zarobkowej. Do przeprowadzenia stosownych obliczeń wykorzystano dane statystyczne publikowane przez Główny Urząd Statystyczny oraz Narodowy Bank Polski. Przy dokonywaniu analiz wzięto pod uwagę 15-letni okres badawczy, obejmujący lata 2000-2014. Metodą badawczą była analiza zgromadzonych danych z zastosowaniem metod matematycznych oraz analizy literatury przedmiotu.
The article discusses the issue of household financial security after retirement. Study presents results of the analysis of use financial market instrument, which is a bank deposit, to improve the material situation of household, which is already in the phase of inactive earnings. Statistical data published by the Central Statistical Office and the National Bank of Poland were used to carry out the relevant calculations. A 15-year study period, covering the years 2000-2014, was taken for analysis. The research method was analysis of collected data, by using mathematical methods and analysis of the literature.
Źródło:
Zeszyty Naukowe Politechniki Poznańskiej. Organizacja i Zarządzanie; 2017, 73; 39-49
0239-9415
Pojawia się w:
Zeszyty Naukowe Politechniki Poznańskiej. Organizacja i Zarządzanie
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Savings and Liquidity Gluts and the American Long-Term Interest Rates Before the Great Financial Crisis
Autorzy:
Parosa, Grzegorz
Powiązania:
https://bibliotekanauki.pl/articles/904332.pdf
Data publikacji:
2019
Wydawca:
Uniwersytet Ekonomiczny w Krakowie, Małopolska Szkoła Administracji Publicznej
Tematy:
Great Financial Crisis
savings glut
banking glut
liquidity glut
global liquidity
Opis:
Objectives: This article examines the impact of the global savings glut on the long-term interest rates in the United States before the Great Financial Crisis. It presents the impact mechanics of global savings on interest rates, discusses arguments supporting and contradicting the significance of this phenomenon, presents an alternative concept, namely global liquidity glut, and estimates the significance of both phenomena in shaping long-term interest rates in the USA before the crisis. Research Design & Methods: First, the impact of purchases of the US treasury bonds made by foreign investors on long-term interest rates is being assessed. Second, metrics representing global savings and liquidity gluts are being used to explain those purchases. Finally, a counterfactual exercise is used to reveal the impact that each of those factors had on the American ten-year treasury yields. Findings: The statistical analysis of both effects shows that foreign purchases of the Treasuries lowered the US longterm interest rates by up to 140 bps, with excess global savings depressing them by approximately 45 bps, and excess liquidity by another 75 bps. Implications / Recommendations: Monetary policy, as well as savings rates, might have wider than only local consequences. Excess liquidity and savings in one country can impact interest rates in other areas. Contribution / Value Added: This article presents an alternative and neglected in literature explanation for the phenomena of low long-term interest rates before the Great Financial Crisis in the USA, namely global liquidity glut that depressed interest rates more powerfully than excessive global savings, contributing to the development of the investment bubble on the housing market and, thus, the Great Financial Crisis.
Źródło:
Zarządzanie Publiczne / Public Governance; 2019, 4(50); 63-82
1898-3529
2658-1116
Pojawia się w:
Zarządzanie Publiczne / Public Governance
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Gender as a parameter reflecting the non-savings deposits situation of individual customers
Autorzy:
Bartnicki, Michał
Powiązania:
https://bibliotekanauki.pl/articles/1928259.pdf
Data publikacji:
2020
Wydawca:
Politechnika Śląska. Wydawnictwo Politechniki Śląskiej
Tematy:
non-savings deposit
account structure
account deposit
lokata nieoszczędnościowa
struktura konta
lokata na koncie
Opis:
Purpose: The purpose of the research was to attempt a cross-sectional analysis indicating the distribution of customer deposits stored on the non-savings accounts, taking into account the main division of an account holder into gender and detailed distribution by age, balance amount and territorial location. Design/methodology/approach: As part of this study, an analysis of data presenting the structure of individual customers with non-savings deposits, whose average monthly balance value exceeded PLN 6,000, have been presented. The main axis of the study is the categorisation and comparison of data based on gender. The study covers age and territorial sections as well as gradation of the amount of balances of stored deposits. The quantitative approach and the amount of balances of the accounts analysed are presented. Findings: From a practical point of view, the potential investors or bonds issuers (treasury bonds, municipal bonds, etc.) looking for a capital, can do it among natural persons and address to them their offer and issue for them the prospectuses. When looking for free funds available on the market, they should also pay attention to the specificity resulting from the gender of an account holder. From the research point, distributions and differences in population behavior resulting from the account holder's gender are interesting. Originality/value: The basic content of the article is a new and original approach to the analysis of data on non-savings accounts which includes gender as the basic parameter of division into groups.
Źródło:
Zeszyty Naukowe. Organizacja i Zarządzanie / Politechnika Śląska; 2020, 148; 77-87
1641-3466
Pojawia się w:
Zeszyty Naukowe. Organizacja i Zarządzanie / Politechnika Śląska
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Age and territorial distribution vs. balance of non-savings deposites of individual customers
Autorzy:
Bartnicki, Michał
Powiązania:
https://bibliotekanauki.pl/articles/1845042.pdf
Data publikacji:
2020
Wydawca:
Politechnika Śląska. Wydawnictwo Politechniki Śląskiej
Tematy:
non-savings deposit
account structure
bank account buffer
lokata nieoszczędnościowa
struktura konta
bufor konta bankowego
Opis:
Purpose: The purpose of the research was an attempt of conducting cross-sectional analysis indicating the distribution of individual customer deposits that are stored on non-savings accounts taking into in the adopted arrangements regarding age, location end balance. Design/methodology/approach: In the paper an analysis of data reflecting a structure of individual customers with non-savings deposits, whose average monthly balance exceeded PLN 6 thousand, is presented. Particularly the study covers the age and territorial sections as well as the gradation of balance height resulting from the amount of stored deposits. Both the quantitative and balance amount aspects of bank accounts were examined and reported. Findings: Potential investors, bond issuers (treasury, municipal, etc.) seeking capital may seek capital among individuals and address their offer and issue prospectuses to them. The search for potential individual investors should be focused in particular in the indicated voivodships and age segments. Originality/value: The basic content of the article is new with an original approach to analyzing data from non-savings accounts in comparison of three parameters: age, bill value and territorial distribution.
Źródło:
Zeszyty Naukowe. Organizacja i Zarządzanie / Politechnika Śląska; 2020, 149; 19-28
1641-3466
Pojawia się w:
Zeszyty Naukowe. Organizacja i Zarządzanie / Politechnika Śląska
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Oszczędności paliwa w rolnictwie - nowe priorytety Unii Europejskiej
Fuel savings in agriculture - new priorities of the European Union
Autorzy:
Gościańska, J.
Powiązania:
https://bibliotekanauki.pl/articles/336223.pdf
Data publikacji:
2011
Wydawca:
Sieć Badawcza Łukasiewicz - Przemysłowy Instytut Maszyn Rolniczych
Tematy:
oszczędności
paliwo
rolnictwo
Unia Europejska
fuel
savings
agriculture
European Union
Opis:
We Wspólnocie Europejskiej istnieje pilna potrzeba poprawy efektywności wykorzystania energii. W celu umożliwienia użytkownikom końcowym podejmowania racjonalnych decyzji dotyczących zużycia energii, należy zadbać o dostarczenie im pełniejszej wiedzy, która będzie umożliwiała podjęcie właściwych działań. Powinni oni mieć świadomość, jakie jest zużycie energii, otrzymać informacje o dostępnych środkach poprawy efektywności energetycznej, charakterystykach technicznych maszyn, środków transportu i sprzętu zużywającego energię. Zmiany zachodzące w sektorze rolnictwa pod koniec lat 90. XX w., polegające na likwidacji i prywatyzacji państwowych gospodarstw rolnych i tworzeniu nowoczesnych, wielkoobszarowych gospodarstw, nie przyczyniły się początkowo do spadku zużycia energii. Obecna sytuacja wyraźnie pokazuje, że wśród wybranych krajów europejskich Polska ma stosunkowo wysokie zużycie energii w tym sektorze. Projekt europejski Efficient 20 ma na celu redukcję zużycia paliwa w rolnictwie, wprowadzenie zmian w zwyczajach w kierunku zwiększenia oszczędności paliwa oraz stymulację sprzedaży wysokospecjalistycznego, energooszczędnego sprzętu.
There is an urgent need to improve energy efficiency in the European Union. In order to enable final users to make rational decisions about energy use, there is a need to provide them with better knowledge. They should be aware of what the energy consumption is. The local actions should give information about available energy efficiency improvement techniques, technical characteristics of machines, transport and energy consuming equipment. The changes in the agricultural sector in the late 90's, caused by the liquidation and privatization of state farms and creation of modern, large-area holdings, initially did not contribute to a decline in energy consumption. The current situation clearly shows that among selected European countries, Poland has a relatively high energy consumption in this sector. European project Efficient 20 aims to reduce fuel consumption in agriculture, make changes in habits to increase fuel savings and stimulate demand of highly specialized equipment.
Źródło:
Journal of Research and Applications in Agricultural Engineering; 2011, 56, 2; 54-57
1642-686X
2719-423X
Pojawia się w:
Journal of Research and Applications in Agricultural Engineering
Dostawca treści:
Biblioteka Nauki
Artykuł
Wyświetlanie 1-15 z 217

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