PERFORMANCES OF INSURANCE MARKET IN MONTENEGRO IN CONDITIONS OF FINANCIAL CRISIS by Miljana Novićević, Vladimir Kašćelan, Julija Cerović

“…The global financial crisis did not have a direct negative impact on the insurance market in Montenegro, but rather the indirect one that may be identified through the decline in purchasing power of citizens, decrease in the lending activity of the banks, and through possible recession. Since the financial markets both in Montenegro and in the region are not sufficiently developed, the insurance companies were not able to invest funds in sophisticated securities and financial derivatives, while the Law on Insurance, on the other hand, limited the companies to invest available monetary assets in risky securities, such as stocks. …”
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Phylogenomics of North American cybaeid spiders (Araneae, Cybaeidae), including the description of new taxa from the Klamath Mountains Geomorphic Province by Marshal Hedin, Martín J. Ramírez, Rodrigo Monjaraz-Ruedas

“…Here we conduct such an analysis in the family Cybaeidae Banks, 1892. We greatly increase generic-level sampling, assembling ultraconserved element (UCE) data for 18 of 22 described cybaeid genera, including all North American genera, and rigorously test family monophyly using a comprehensive outgroup taxon sample. …”
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Genetic Variation for Wild Populations of the Rare and Endangered Plant <i>Glyptostrobus pensilis</i> Based on Double-Digest Restriction Site-Associated DNA Sequencing by Yongrong Huang, Yu Li, Xiaojie Hong, Suzhen Luo, Dedan Cai, Xiangxi Xiao, Yunpeng Huang, Yushan Zheng

“…It is recommended that methods such as in situ conservation, ex situ conservation, and the establishment of germplasm banks be implemented to maintain the genetic diversity of <i>G. pensilis</i> populations.…”
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The Effect of Musharakah and Murabaha Financing on Profitability with Non-Performing Financing as a Moderating Variable (in Sharia Business Units Registered with the Financial Serv... by Awin Rahma Zulvia, Oyong Lisa, Djuni Farhan

“…This suggests that higher Musharakah financing is associated with decreased financial performance of Islamic banks. Conversely, murabahah financing has a positive and significant effect on profitability, with a coefficient of 4.593 and a probability value of 0.000, meaning that higher murabahah financing is associated with improved financial performance. …”
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PERFORMANCES OF INSURANCE MARKET IN MONTENEGRO IN CONDITIONS OF FINANCIAL CRISIS by Miljana Novićević, Vladimir Kašćelan, Julija Cerović

“…The global financial crisis did not have a direct negative impact on the insurance market in Montenegro, but rather the indirect one that may be identified through the decline in purchasing power of citizens, decrease in the lending activity of the banks, and through possible recession. Since the financial markets both in Montenegro and in the region are not sufficiently developed, the insurance companies were not able to invest funds in sophisticated securities and financial derivatives, while the Law on Insurance, on the other hand, limited the companies to invest available monetary assets in risky securities, such as stocks. …”
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Challenges and Frugal Remedies for Lowering Facility Based Neonatal Mortality and Morbidity: A Comparative Study by Hippolite O. Amadi, Akin O. Osibogun, Olateju Eyinade, Mohammed B. Kawuwa, Angela C. Uwakwem, Maryann U. Ibekwe, Peter Alabi, Chinyere Ezeaka, Dada G. Eleshin, Mike O. Ibadin

“…These included application of (i) recycled incubator technology (RIT) as a measure of providing affordable incubator sufficiency, (ii) facility-based research groups, (iii) elective training courses for clinicians/nurses, (iv) independent local artisans on spare parts production, (v) power-banking and apnoea-monitoring schemes, and (v) 1/2 yearly failure-preventive maintenance and auditing system. …”
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Recursos territoriais e escalas de poder no processo de renovação da concessão da ponte da integração de São Borja-BRA/ San Tomé-ARG (2021-2023) by Muriel Pinto, Domingos Sávio Campos de Azevedo

“…The São Borja-Brazil/San Tomé – Argentina integration bridge opened in 1997 created great expectations of integration and economic development for the border communities on the banks of the Uruguay River. The appropriate bridge was built and the CUF was created – the first Unified Mercosur border center. …”
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Evaluating the Economic and Social Impact of the Construction of the Border Market and Its Role in the Development of Urban Areas (Case Study: Market of Hendijan City) by Zahre Moradi, Maryam Ilanloo

“…For data analysis, the Fuzzy Network Analysis (ANP) and inferential statistics of Chi-Square have been used.Based on the fuzzy ANP model, the construction of the bazaar has had the greatest impact in reducing smuggling, increasing the stores and shops, hotel and restaurant construction, attracting tourists, increasing passenger terminals, increasing service occupations, boosting banks and insurers, earning income, employing indigenous people and reducing immigration. had. …”
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Spatial analysis of distribution and access to urban services at the level of urban neighborhoods with a spatial justice approach (Case study: Commercial uses of Ardabil city) by Alireza Mohammadi, Reza Hashemi Masoomabad, chnour Mohammadi

“…Economic and commercial centers, including banks and financial institutions, are one of the most important economic sectors of cities and can be sustained. …”
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Interplay of financial inclusion and economic growth in emerging economies by Shreya Pal, Shravni Vankila, Melvin Norbert Fernandes

“…Trade policies, such as Chile's Free Trade Agreements and Mexico's participation in NAFTA, improve market access and economic resilience, while Egypt and Saudi Arabia focus on foreign direct investment and economic diversification.The study emphasizes coordinated policy efforts for sustained growth, advocating for financial inclusion supported by robust regulations and government investments in critical areas like infrastructure and healthcare. Central banks contribute by maintaining price stability and credit access, while strategic trade agreements and export diversification enhance economic resilience. …”
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Awifauna wodno-błotna środkowej Wisły w okresie lęgowym: wpływ działalności człowieka na rozmieszczenie, liczebność i bogactwo gatunkowe by Dariusz Bukaciński, Monika Bukacińska, Arkadiusz Buczyński

“…Sandy islands and braid bars within the main channel, steep banks, and old riparian afforestation create the unique breeding habitats of the Vistula River Valley. …”
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Technology and practice of intelligent governance for financial data security by Peng HOU, Zhixin LI, Fei ZHANG, Xu SUN, Dan CHEN, Yihao CUI, Hanbing ZHANG, Yinan JIN, Hongfeng CHAI

“…In the “14th Five-Year Plan” era, the digitization of the financial industry has entered a phase of deepening and high-quality development.Strengthening Financial Data Security Governance (FDSG) and protecting financial data security have become an objective need and essential requirements for developing national economic security.FDSG utilizes data governance measures as a fundamental tool with a focus on sensitive data to ensure the comprehensive security of the entire lifecycle of financial data.It aims to promote data circulation among financial institutions, activate data value, and facilitate market-oriented allocation of financial data elements.FDSG is increasingly intertwined with big data, artificial intelligence, cloud computing, and blockchain technologies, transforming traditional data security governance into intelligent governance and accelerating the evolution of FDSG towards automation, intelligence, efficiency, and precision.FDSG’s essence, scope, and governance framework were introduced, and the core concepts and critical supporting technologies for the intellectual development of FDSG were elaborated, outlining the roadmap for intelligent governance.With consideration of FDSG’s demands and characteristics of intelligent technologies, vital directions for the practical application of intelligent technologies in FDSG were outlined, including data classification, data traceability, content control, privacy protection, and data twinning.Examples of current intelligent governance practices in banking, securities, and insurance industries were provided.Policy recommendations were proposed in the paper to promote the standardized and intelligent development of FDSG in China’s new era, aiming to foster the sustainable development of financial institutions and industries and ensure a healthy and secure environment for the future.…”
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The Forerunner of the Government Reform of Peter the Great by N. V. Shevtsov

“…The author of this article followed the probable route of Golytsin’s exile ramblings and paid special attention to the stay of the disgraced knyaz in Pinezhskiy Volok - currently the settlement of Pinega situated approximately 200 km away from Arkhangelsk on the banks of the Pinega River. The article also offers a detailed description of the Krasnogorskiy Monastery located 15 km away from the settlement. …”
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Discussing the Effects of Climate Change and Urbanization through Flood Disaster in Riverside Settlements by Zeynep Özdemir, Merve Özkaynak Yolcu

“…Therefore, in order to prevent flood disasters, it is necessary to adopt an integrated disaster management approach and develop effective and sustainable solutions in order to increase the flood resistance of settlements, especially on the banks of rivers, and to reduce the impacts against possible disasters. …”
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Influence of Donor Thickness on Visual Acuity in Descemet’s Stripping Automated Endothelial Keratoplasty by Tomislav Kuzman, Ana Meter, Miro Kalauz, Sanja Masnec, Ivan Škegro, Ivana Jonjić

“…This value represents the optimal thickness for conventional DSAEK surgery that could minimize tissue loss for eye banks and surgeons may experience fewer problems during surgery, while obtaining good final visual acuity.…”
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Determination of Meander Pattern in Gharehsou River Using Sinuosity Coefficients and Central Angle in Anzab-Samian Bridge reach by Fariba Esfandyari-darabad, Raoof Mostafazadeh, Ahmad Abyat, Ahmad Naseri

“…Therefore, it is necessary to stabilize the stream banks and river bed of the study reach through structural management and engineering methods.…”
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DOMINANTS OF SELECTING FINANCIAL MECHANISM TOOLS FOR PUBLIC-PRIVATE PARTNERSHIP IN THE CONTEXT OF UKRAINE’S POST- WAR RECONSTRUCTION by Vasyl G. Demianyshyn, Bohdana S. Shuliuk

“…It is found that the dominant elements of the financial mechanism of partnerships between the state and business are private investment, state financial support for infrastructure projects, attracted grants, investments and soft loans from international development banks. Given the low financial attractiveness of projects for investors, the authors emphasize the need to apply a guarantee mechanism to ensure that the private partner receives a certain level of profit. …”
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Ranking of Tourism Village Locator with Environmental Criteria with FTOPSIS Case Study of Shoush by elham azizikhadem, kazem rangzan, mostafa kabolizade, Ayob taghizadeh

“…This site will bring the least damage to the environment, Located on the banks of the Dez River, most of the area has been covered by ground. …”
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Impact of Land Use Changes on Collapsed Pipes Development in the Loess Gully (Lublin Upland, East Poland) by Rodzik Jan, Kołodyńska-Gawrysiak Renata, Franczak Łukasz, Zgłobicki Wojciech, Poesen Jean

“…Our research is the first detailed description of the complex evolution of large collapsed pipes on the banks of a loess gully over 25 years (west part of Nałęczów Plateau, Lublin Upland). …”
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Entre Rhône et Rhin : les ports fluvio-lacustres de la Suisse romaine by Romain Guichon

“…BC and the 4th c. AD (wooden banks, docks, piers, warehouses, etc.) synthesize many of the characteristics identified at the regional scale. …”
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