34 research outputs found
Review of national financial education policies aimed at the young ā evidence for developing and implementing policy recommendations for Croatia
Purpose: The paper investigates and synthesizes an in-depth overview of national financial education policies and strategies aimed at the young, highlights the best practices, gives recommendations for the most efficient financial education efforts at the national level and the implementation of an efficient financial education policy in Croatia.
Methodology: The analysis is conducted as a case study of financial education policies and strategies aimed at the young of the countries that achieved the best results on the OECD PISA test, Australia, the United States of America and the United Kingdom.
Results: The examined countries have national financial education policies with similar aims, fields of financial education and strategies of evaluation but, although they are part of the curriculum, the programs are mostly not standardized and financial education efforts towards teachers and parents are not emphasized.
Conclusion: To be efficient, a financial education program aimed at the young has to be relevant, customized according to participantsā characteristics, has to relate knowledge to a specific action, has to be longterm, successfully evaluated, standardized on the national level, implemented at a younger age and have a specified aim. Financial education should be considered as an independent subject in formal education
Copper(II) complexes with halogenated N-benzyliminodiacetamide derivatives ; Liesegang rings - project teaching
Ovaj diplomski rad sastoji se od dvije cjeline: istraživaÄkog i metodiÄkog dijela.
Istražene su reakcije halogeniranih Nāarilalkilnih derivata iminodiacetamida XC6H2CH2N(CH2CONH2)2, (X = F, Cl, Br) I-V
s bakrovim(II) solima u vodenim otopinama. ProuÄen je utjecaj nekoordinirajuÄeg dijela molekule liganda na svojstva
liganada i njihovih kompleksa. PrireÄeno je pet novih kompleksa [Cu(oāClC6H4CH2N(CH2CONH2)2)2](NO3)2Ā·H2O (1),
[Cu(māClC6H4CH2N(CH2CONH2)2)2](NO3)2 (2), [Cu(pāClC6H4CH2N(CH2CONH2)2)2](NO3)2Ā·2H2O (3),
Cu(pāFC6H4CH2N(CH2CONH2)2)2](NO3)2Ā·2H2O (4) , [Cu(pāBrC6H4CH2N(CH2CONH2)2)2](NO3)2Ā·2H2O (5), koji su
karakterizirani infracrvenom spektroskopijom i metodama termiÄke analize. Kristalna struktura prireÄenog kompleksa
[Cu(m-ClC6H4CH2N(CH2CONH2)2)2](NO3)2 2 odreÄena je rentgenskom strukturnom analizom podataka prikupljenih sa
njegovih jediniÄnih kristala. Koordinacijsko okruženje oko iona bakra(II) u kompleksu 2 je iskrivljeni oktaedar. Molekule
kompleksa 2 su trans-izomeri sa dva su O,N,O'-tridentatna iminodiacetamidna liganda koji se na metalni centar vežu u facpoložaju. Na temelju poznatih podataka infracrvene spektroskopske i termiÄke analize može se pretpostaviti da su strukture
ostalih kompleksa 1,3,4,5 sliÄne strukturi kompleksa 2.
U metodiÄkom dijelu ovog rada opisani su: fenomen Liesegangovih prstenova u okviru obrazovnih ishoda primjerenih
uÄenicima drugog razreda gimnazije; uloga nastavnika tijekom planiranja, provedbe i vrednovanja projektne nastave.
Predložene su pogodne metode i uvjeti eksperimenta stvaranja Liesegangovih prstenova. IzraÄena je metodiÄka i didaktiÄka
uputa za provedbu projektne nastave na temu Liesegangovi prstenovi.This Diploma thesis consists of two parts: the research part and the methodological part.
The reactions of halogenated Nāarylalkyliminodiacetamides XC6H2CH2N(CH2CONH2)2,
(X = F, Cl, Br) I-V with copper(II) salts in aqueous solutions were investigated as well as the influence of the noncoordinating
substituent of the ligands on the coordinating properties of ligands and their complexes. Five new complexes
namely, [Cu(o-ClC6H4CH2N(CH2CONH2)2)2](NO3)2Ā·H2O (1),
[Cu(m-ClC6H4CH2N(CH2CONH2)2)2](NO3)2 (2) [Cu(p-ClC6H4CH2N(CH2CONH2)2)2](NO3)2Ā·2H2O (3), [Cu(p-
FC6H4CH2N(CH2CONH2)2)2](NO3)2Ā·2H2O (4),
[Cu(p-BrC6H4CH2N(CH2CONH2)2)2](NO3)2Ā·2H2O (5), were prepared and characterized by infrared spectroscopy and
thermal analysis. Crystal structure of [Cu(m-ClC6H4CH2N(CH2CONH2)2)2](NO3)2 (2) complex was determined by singlecrystal
X-ray structural analysis. Coordination around the copper(II) ion can be described as a distorted octahedron.
Molecules of complex (2) are trans-isomers with two O,N,O'-tridentate iminodiacetamide ligands that forms facconformation
around the metal center. Conclusion based on data collected from infrared spectroscopy and thermal analysis is
that remaining complexes 1,3,4,5 have molecular structure that is similar to molecular structure of complex 2.
The methodological part of the Thesis includes descriptions of: the phenomenon of Liesegang rings in the context of
educational outcomes appropriate to students of the second grade of high school; the role of achievement during planning,
implementation and evaluation of project teaching. Appropriate methods and conditions of the experiment to create
Liesegang rings are suggested. A methodological and didactic guide to the implementation of project teaching on the subject of Liesegang rings was developed
Utjecaj perciprianog pritiska interesno-utjecajnih skupina na elemente održive marketinÅ”ke orijentacije hrvatskih poduzeÄa
Primjena orijentacije prema dionicima Ā«nužna je za uspostavljanje i napredak etiÄkog donoÅ”enja odluka u svim marketinÅ”kim aktivnostimaĀ». Proaktivnost u druÅ”tvenoj odgovornosti povezana je sa sve veÄim pritiscima organizacijskih dionika i dionika zajednice. Cilj ovog rada je istražiti održivu marektinÅ”ku orijentaciju iz perspektive viÅ”estrukih dionika procesa koji nepobitno utjeÄu na oblikovanje strategije i to iz percepcije meandžera o pritisku razliÄitih dionika na oblikovanje strategije. Održiva marketinÅ”ka orijentacija promatrana je i mjerena kroz njena tri sastavna formativna elementa: strateÅ”ka integracija, druÅ”tvena ukljuÄenost i etiÄke sposobnosti. Istovremeno, pratio se percipirani pritisak izdvojenih interesno-utjecajnih skupina: vlasnika, zaposlenika, potroÅ”aÄa, dobavljaÄa, konkurencije, državnih institucija, neprofitnih udruga te Europske Unije. U sklopu kvanitativnog istraživanaj prikupljeno je 172 poduzeÄa iz populacije 1000 najuspjeÅ”nihih hrvatskih poduzeÄa. Rezultati analize upuÄuju na to da na strateÅ”ku integriranost statistiÄki znaÄajno, a pozitivno utjeÄu zakon i zaposlenici, na druÅ”tvenu ukljuÄenost zakon dok na etiÄke sposobnosti zakon, vlasnici i zaposlenici pozitivno dok nevladine neprofitne organizacije utjeÄu negativno i statistiÄki znÄajno
Exploring the impact of family stressors on financial behavior: A study of Croatian youth
This paper examines the relationship between family stressors and subsequent financial behavior of young individuals in Croatia. Previous research indicates that family stressors are associated with increased levels of financial stress, resulting in impulsive purchases, risky financial behavior, and increased debt. More specifically, family stressors during youth are shown to significantly affect an individual\u27s financial behavior later in life. Research has shown that youth family stressors, such as poverty, parental divorce, and parental unemployment, can lead to financial stress and affect financial behavior in adulthood. This paper provides an illustrative review of the Family Stress Model (FSM) framework to understand how family stressors influence youngsters in the financial domain. Using regression modeling, we estimate that family stress significantly impacts the financial behavior of young individuals in Croatia. Specifically, the study finds that family stress is negatively associated with responsible financial behavior. These findings have important implications for policymakers and practitioners, particularly those involved in financial education and family support programs, highlighting the need to address family stress as a potential risk factor for poor financial outcomes among young individuals. It is important to recognize the relationship between youth family stressors and financial behavior and work on managing both to improve financial well-being in adulthood
Financijskim obrazovanjem do poveÄanja znanja o financijama potroÅ”aÄa adolescenata
Purpose ā The aim of this paper was to challenge the purpose of financial education in the context of financial literacy of adolescents, and to test the efficiency of the developed high-school study book and program āMy money, my futureā. Also, the purpose was to identify the predictors of financial knowledge before conducting the workshop, as well as the characteristics of adolescents with best performances on the financial knowledge test.
Design/Methodology/Approach ā The data was collected from a purposive sample of teenagers who participated in āMy money, my futureā program from October 2016 to February 2018 and the questionnaire employed was a three-part tool.
Findings and implications ā Financial interventions contribute to young peopleās financial knowledge. Interest, previous financial education and ownership of a bank account were found to be valid and reliable predictors of higher levels of knowledge among teenagers. Furthermore, most high school students in the sample reported they had already engaged in saving behaviour, and more than half of them claimed to have bank accounts. Financial knowledge after the workshop was significant compared to their knowledge before the workshop. Greater knowledge before the workshop led to significantly higher levels of knowledge afterwards. Differences in the levels of financial knowledge were also tested with respect to gender.
Limitations ā The sample only includes high-school students and the research was conducted exclusively on the territory of the Republic of Croatia.
Originality ā The paper emphasized the importance of financial education programs in increasing the level of financial literacy and efficiency of future financial decision making among adolescents.Svrha - Cilj je Älanka istražiti utjecaj financijskog obrazovanja na financijsku pismenost adolescenata i testirati uÄinkovitost srednjoÅ”kolskog udžbenika i programa āMoj novac, moja buduÄnostā. TakoÄer, svrha je provedenog istraživanja identificirati prediktore financijskog znanja prije radionice, kao i karakteristike mladih s najboljim rezultatima kako bi se dodatno istražila uÄinkovitost financijskog obrazovanja.
MetodoloÅ”ki pristup - Istraživanje je provedeno na adolescentima koji su sudjelovali u radionici āMoj novac, moja buduÄnostā od listopada 2016. do veljaÄe 2018. godine te je koriÅ”ten upitnik kao instrument istraživanja.
Rezultati i implikacije ā Provedenim istraživanjem zakljuÄeno je kako financijske intervencije pridonose znanju mladih. Kao prediktori veÄe razine znanja meÄu tinejdžerima navode se interesi, prijaÅ”nje financijsko obrazovanje i vlasniÅ”tvo bankovnog raÄuna. Nadalje, veÄina srednjoÅ”kolaca u uzorku ima razvijene Å”tedne navike i ponaÅ”anje u kontekstu Å”tednje te ima otvorene raÄune u bankama. Istraživanje razine financijskog znanja analizirano je u dvije faze, prije i nakon održane radionice (predtest i posttest). Nalazi ukazuju na to kako je financijsko znanje nakon radionice znaÄajno veÄe od znanja prije sudjelovanja u radionici te kako je veÄe znanje prije radionice dovelo do znatno veÄe razine znanja nakon radionice. Razlika u razinama znanja istražena je i s obzirom na spol ispitanika.
OgraniÄenja ā Uzorak ukljuÄuje samo uÄenike srednjih Å”kola, a istraživanje je provedeno iskljuÄivo na podruÄju Republike Hrvatske.
Doprinos ā Älanak naglaÅ”ava važnost programa financijskog obrazovanja za unaprjeÄenje razine financijske pismenosti i uÄinkovitosti donoÅ”enja financijskih odluka u buduÄnosti
Istraživanje povezanosti etike vrlina i zadovoljstva organizacijom
U ovom Äe se razmatra etika vrlina, etiÄki koncept koji temelji etiku na karakternim osobinama, a ne na pravilima i ima Å”iroku primjenu u poslovnom svijetu. Takav pogled sugerira analizu etiÄkih kvaliteta organizacije gdje se odreÄena aktivnost smatra vrlinom samo onda kad iza nje stoje ispravni motivi. Okosnicu karaktera etiÄkog poduzeÄa predstavljaju optimizam, povjerenje, integritet, empatija i oprost. Cilj ovog rada je istražiti primjenu odabranog koncepta te istaknuti dostignuÄa sa podruÄja etike vrlina koja su se upotrijebila u praksi. Ovaj rad po prvi puta empirijski spaja pojmove etike vrlina te zadovoljstva organizacijom kombiniranom metodom istraživanja. Provedeno je izviÄajno kvalitativno istraživanje s ciljem ispitivanja stavova visokopozicioniranih struÄnjaka o kompatibilnosti osobnih i profesionalnih vrlina te zadovoljstva organizacijom koje iz toga proizlazi s ciljem istraživanja opravdanosti povezivanja tih pojmova. Kvantitativno istraživanje na uzorku od 168 struÄnjaka dalo je detaljan uvid potvrÄene hipoteze utjecaja etike vrlina i zadovoljstva organizacijom. Istraživanje je pokazalo kako je povjerenje ono koje ima najveÄi utjecaj na zadovoljstvo organizacijom
INFLUENCE OF PERSONALITY TRAITS ON IMPULSIVE BUYING AND RESPONSIBLE FINANCIAL BEHAVIOR
Obilježja liÄnosti smatraju se jednim od relevantnih Äimbenika koji utjeÄu na ponaÅ”anje potroÅ”aÄa. Stoga, kako bi se ponaÅ”anje potroÅ”aÄa moglo jasnije razumjeti te predvidjeti, svrha istraživanja je ustanoviti postoji li povezanost izmeÄu obilježja liÄnosti i odgovornog financijskog ponaÅ”anja potroÅ”aÄa. Povezanost je istražena na temelju utjecaja obilježja liÄnosti na afektivni i kognitivni aspekt impulzivnog potroÅ”aÄkog ponaÅ”anja, na koje se u radu promatra kao suprotnost odgovornom financijskom ponaÅ”anju. Provedeno je jednokratno deskriptivno istraživanje pomoÄu anketnog upitnika na namjernom, prigodnom uzorku od 483 studenata Ekonomskog fakulteta u Zagrebu. Istraživanje je dokazalo da postoji statistiÄki znaÄajna razlika u stupnju sklonosti impulzivnoj kupovini s obzirom na dimenzije obilježja liÄnosti. UzroÄno posljediÄna veza dokazana je izmeÄu dimenzije Savjesnosti i odgovornog potroÅ”aÄkog ponaÅ”anja, a ustanovljena je i slaba, ali statistiÄki znaÄajna njena povezanost s kognitivnim aspektom impulzivne kupovine. Kod afektivne komponente ustanovljena je statistiÄki znaÄajna povezanost sa dimenzijama Ekstraverzije i Neuroticizma, dok je kod dimenzije Neuroticizma ustanovljena negativna povezanost sa impulzivnom kupovinom. S obzirom da se do sada voditi prilikom segmentiranja tržiÅ”ta te prilikom kreiranja aktivnosti usmjerenih ka potroÅ”aÄima razliÄitih obilježja liÄnosti, potaknuti odgovorno te ispraviti i izbjeÄi neodgovorno potroÅ”aÄko ponaÅ”anje kod mladih potroÅ”aÄa.Personality traits are one of the influencing factors of consumer behavior. In order to clearly understand and predict consumer behavior, the purpose of the research is to establish whether there is a relationship between personality traits and responsible consumer behavior. The connection was investigated based on the influence of personality traits on the affective and cognitive aspect of impulsive financial consumption behavior, the opposite of responsible consumer behavior. A quantitative research was conducted using a questionnaire on a convenient sample of 483 students of the Faculty of Economics in Zagreb. Research has shown that there is a statistically significant difference in degree of propensity for impulsive shopping considering dimensions of personality traits. It is concluded that conscientiousness is the best and only predictor of responsible consumer behavior, and a weak but statistically significant association with the cognitive aspect of impulsive buying. Affective consumer behavior is connected to extroversion and neuroticism, whereas neuroticism is negatively linked to impulsive behaviour. Given that the above-mentioned constructs have not been empirically linked so far, this paper can be used during market segmentation and while creating activities which target consumers with different personality traits but also to encourage responsible and correct and avoid irresponsible consumer behavior among young consumers
Properties of Waste Polyamide Powder and Titanium Dioxide Nanocomposites
Selektivno lasersko sinteriranje (SLS) jedan je od važnijih postupaka 3D ispisa koji se u danaÅ”nje vrijeme sve viÅ”e primjenjuju za dobivanje razliÄitih modela. Najvažniji polimerni materijali koji se upotrebljavaju u tom procesu su poliamidi. ZnaÄajan nedostatak tog procesa je velika koliÄina otpadnog polimernog praha. Stoga je cilj ovoga rada bio istražiti utjecaj dodatka nanoÄestica titanijeva dioksida (TiO2) na toplinska i mehaniÄka svojstva otpadnog poliamidnog praha (PA 2200).
U ovom radu pripremljeni su nanokompoziti PA/TiO2 u rasponu masenog udjela punila 1 ā 5 %, postupkom zamjeÅ”avanja punila u talinu polimera u gnjetilici Brabender. Aglomerati nanopunila vidljivi su na SEM mikrografiji 5 %-tnog PA/TiO2 nanokompozita. Rezultati diferencijalne pretražne kalorimetrije (DSC) ukazuju na djelovanje nanoÄestica TiO2 kao heterogenih nukleacijskih centara. TakoÄer, dodatak nanopunila pospjeÅ”uje stvaranje stabilnijih i ureÄenijih kristalnih struktura poliamidne matrice. Termogravimetrijskom analizom (TGA) dokazano je da dodatak TiO2 nanopunila poveÄava temperaturu poÄetka razgradnje PA matrice, to jest poboljÅ”ava toplinsku postojanost PA matrice i neznatno poveÄava vrijednosti toplinske vodljivosti nanokompozita u odnosu na Äistu polimernu matricu. Ispitivanjem mehaniÄkih svojstava uzoraka uoÄeno je smanjenje vrijednosti sekantnog modula te neznatne promjene naprezanja i istezanja u toÄki popuÅ”tanja s poveÄanjem udjela punila u nanokompozitu.
Ovo djelo je dano na koriÅ”tenje pod licencom Creative Commons Imenovanje 4.0 meÄunarodna.The PA 2200 waste powder generated during selective laser sintering (SLS) process is an important environmental and economic problem. In order to test and modify the properties of the waste powder, nanocomposites based on polyamide matrix and TiO2 nanoparticles were prepared in this work.
Agglomerates of the TiO2 nanofiller are visible on the SEM micrographs for the nanocomposite with 5 wt. % of the nanofiller (Fig. 1). The DSC analysis indicates an increase in crystallization temperature (Tc) by the addition of filler to the polymer matrix and it can be concluded that the TiO2 nanoparticles represent the nucleation centres in the PA matrix (Fig. 2, Table 1). In systems with 4 and 5 wt. % TiO2 crystallization enthalpy (ĪHc) and melting enthalpy (ĪHm) are higher than the values for the polyamide matrix (Table 1), indicating that the nanoparticles promote crystallization of the PA matrix. The results of TG analysis imply a positive effect of the TiO2 nanoparticles on the onset of thermal decomposition, which is most pronounced in the system with 3 wt. % TiO2 (Fig. 3, Table 2). As thermal degradation progresses further, the positive effect of the addition of TiO2 nanoparticles becomes less pronounced and finally becomes negative in the final stages, i.e. TiO2 nanoparticles accelerate the degradation. The thermal conductivity values (Ī») are slightly higher for the nanocomposites relative to the pure PA matrix (Fig. 4) due to the formation of a more ordered structure of the polymer matrix by the addition of TiO2 and/or the formation of so-called conductive pathway.
The results of the mechanical test indicate that the addition of TiO2 nanofiller decreases the values of the secant modulus (E), while the values of the yield stress (Ļ2>y2>y2 nanoparticles to the PA 2200 waste powder represents a useful approach for its reuse, thus improving the economic and environmental sustainability of the SLS process. The main disadvantage of the studied systems is the inconsistent mechanical properties at break. In future studies, this problem will be solved with adequate surface modification of TiO2 nanoparticles.
This work is licensed under a Creative Commons Attribution 4.0 International License
Mammary gland tumors in cats
Tumori mlijeÄne žlijezde jedni su od najÄeÅ”Äih tumora kod kuja i maÄaka, s time da kod maÄaka znatno viÅ”e prevladavaju maligni histoloÅ”ki tipovi. Ovi se tumori najÄeÅ”Äe razvijaju kod starijih životinja, a veliku ulogu u njihovu nastanku imaju steroidni spolni hormoni. U postavljanju prognoze bolesti važan je Äimbenik veliÄina primarnog tumora, Å”to upuÄuje na važnost rane dijagnostike i pravilan tretman tumora mlijeÄne žlijezde. Metoda izbora pri lijeÄenju ovih tumora jest radikalno kirurÅ”ko uklanjanje tumora i preostalih mlijeÄnih žlijezdi, dok uÄinak kemoterapije u lijeÄenju ovih tumora kod maÄaka joÅ” uvijek nije sasvim jasan. U ovom radu ukratko su prikazane dosadaÅ”nje spoznaje o uzrocima i prezentaciji ove bolesti kod maÄaka, bioloÅ”kom ponaÅ”anju tumora, dijagnozi i prognostiÄkim Äimbenicima te kratak prikaz stanja vezanog za tumore mlijeÄne žlijezde maÄaka u Republici Hrvatskoj.Tumors of the mammary gland are among the most common neoplasms in bitches and cats, but in cats malignant histological types are more prevalent. These tumors usually develop in older animals and steroid sex hormones play a major role in their development. In prognosis, an important factor is the size of the primary tumor, indicating the importance of early diagnosis and proper treatment of mammary tumors. The method of choice in the treatment of these tumors is radical surgical excision of the tumor and the remaining mammary glands, while the effect of adjuvant chemotherapy in cats is still not entirely clear. In this study current knowledge is summarized about the causes and presentation of the disease in cats, the biological behavior of the mammary tumors, diagnosis and prognostic factors, and a brief overview is given related to tumors of the mammary gland in cats in the Republic of Croatia