14 research outputs found
Housing credits offer in croatian banks
Cilj rada je upoznavanje s pojmom i razvojem bankarskih poslova i njhovim temeljnim
obilježjima. U radu je navedena podjela bankarskih poslova i rizici povezani s bankarskim
poslovima. U prvom dijelu rada, objaŔnjeni su aktivni bankarski poslovi, njihova podjela i
specifiÄnosti svakog aktivnog bankarskog posla. U drugom dijelu, na temelju istraživanja
dostupnih podataka, ovaj rad analizira ponudu stambenih kredita Croatia banke d.d. Zagreb,
Slatinske banke d.d. Slatina i Privredne Banke Zagreb d.d.. te dovodi do odgovora na pitanje:
postoji li razlika u ponudama stambenih kredita promatranih banaka Ŕto je ujedno i hipoteza
ovog rada. U radu su koriŔtene znanstvene metode: induktivna metoda, deduktivna metoda,
metoda analize i sinteze te metoda dokazivanja. KoriÅ”tenjem navedenih metoda potvrÄene su
razlike u ponudama stambenih kredita istraživanih banaka. Razlike su vidljive u moguÄim
namjenama, iznosima, naÄinima i rokovima koriÅ”tenja i otplate stambenih kredita, kamatnim
stopama na stambene kredite te u instrumentima osiguranja stambenih kredita analiziranih
banaka. Ovo istraživanje ima nekoliko prednosti kao Ŕto su: jasno i precizno analizirana ponuda
stambenih kredita u hrvatskim bankama na temelju dostupnih podataka, Ŕirok raspon varijabli
i karakteristika stambenih kredita pojedine istraživane banke i njihova vizualizacija upotrebom
preglednih tablica. NajveÄi nedostatak ovog rada je nemoguÄnost odreÄivanja najbolje ponude
stambenih kredita promatranih banaka zbog Äestih varijabilnosti uvjeta pružanja stambenih
kredita. Na temelju takvih varijabilnosti ostaje prostor za daljnja istraživanja i zakljuÄke.The aim of this study is introduction in term and development of banking jobs and their
fundamental features. Division of banking jobs and risks associated with banking jobs are listed
in this paper. The first part of the paper explains banking jobs, their division and characteristics
of every active banking job. The second part of the paper analyzes housing credits offer of
Croatia banka d.d. Zagreb, Slatinska banka d.d. Slatina and Privredna Banka Zagreb d.d. based
on available data and answer the question: is there the difference in housing credits offers of
observed banks which is at the same time hypothesis of this paper. Scientific methods that have
been used in this paper are: inductive method, deductive method, method of analysis and
synthesis and proofing method. Differences in housing credits offers of explored banks are
confirmed using early mentioned methods. The differences are visible in possible uses,
amounts, ways and times of use and repayment of housing credits, interest rates on housing
credits and security instruments on housing credits of analyzed banks. This research has several
advantages like: clearly and precisely analyzed housing credits offer in croatian banks based on
available data, a wide range of housing credit variables and features of individually explored
bank and their visualization using transparent tables. The biggest lack of this paper is
impossibility of determination the best housing credit offer of observed banks due to the
frequent variability of the conditions for providing housing credits. Based on such variability
remains the space for further research and conclusions
Flexible Pavement Overlay Design
Ovim diplomskim radom analizirana je moguÄnost primjene razliÄitih metoda izraÄuna pojaÄanja na temelju podataka o izmjerenim defleksijama savitljive kolniÄke konstrukcije, te je dan prijedlog optimalne metode s obzirom na kategoriju oÅ”teÄenja. U ovom radu koriÅ”tene su dvije metode dimenzioniranja debljina potrebnog asfaltnog pojaÄanja i to metoda Asfaltnog institura SAD i postupak prema Å vicarskim normama. Dobivena konstrukcija provjerena je na otpornost djelovanja smrzavanja i na dozvoljena naprezanja i deformacije
Control Of Robotic Arm
Ovaj rad analizira i testira na primjeru kontrole ruke robota teorijsku pozadinu, svojstva i ponaÅ”anje proporcionalno-integracijsko-derivacijskog regulatora (PID regulatora). Kako bi potvrdili teorijske zakljuÄke implementiran je PID regulator za upravljanje kretanja ruke u programskom softveru Choregraphe gdje nam je omoguÄena kontrola nad kretnjama NAO robota. Nakon implementacije regulator je testiran na simuliranom i pravom robotu. Uz to tijekom pokreta ruke praÄene su razne vrijednosti o kretanju ruke i elemenata regulatora te je sve grafiÄki prikazano. Testovi pokreta na robotu potvrÄuju efikasnost teorije PID regulatora,
a njegova robustnost i jednostavnost implementacije pokazuju zaŔto ima tako Ŕiroku uporabu.This paper analyzes and tests the theoretical background, properties and behavior of the Proportional-Integral-Derivative controller (PID controller) using the example of robot arm control. To confirm the theoretical conclusions, in Choregraphe software, a PID controller is implemented to control the motion of the robot arm. Choregraphe software allows us to
control the movements of the NAO robot. After the implementation, the controller is tested on both simulated and real robot. Additionally, during arm movement, various motion-related values and controller elements are tracked and graphically represented. The motion tests on the robot confirm the efficiency of the PID controller theory. Its robustness and ease of
implementation demonstrate why it has such broad applicability
Deep vein thrombosis
Duboka venska tromboza (DVT) je multifaktorska bolest koja je posljedica stvaranja ugruŔka
u dubokim venama udova. NajznaÄajnija komplikacija DVT je razvitak pluÄne embolije (PE),
a to se stanje zajedniÄkim imenom naziva venska tromboembolija (VTE). Prema lokaciji
tromba u dubokim venama razlikujemo proksimalni i distalni DVT. Proksimalni se DVT
smatra znatno opasnijim od distalnog zbog veÄe tendencije razvijanja PE. Incidencija DVT
raste s dobi, a preostali predisponirajuÄi faktori su muÅ”ki spol, kirurÅ”ki zahvati, trudnoÄa,
koriŔtenje hormonske kontracepcije, maligne bolesti, produljena imobilizacija i brojni drugi.
TipiÄna kliniÄka slika ukljuÄuje crvenu, bolnu, toplu i osjetljivu nogu s edemom distalno od
lokacije tromba. DVT se može komplicirati razvojem PE, kroniÄne venske insuficijencije
(CVI) i posttrombotskog sindroma (PTS). U dijagnosticiranju DVT se služimo Wellsovim
kriterijima za procjenu vjerojatnosti postojanja DVT temeljem koje se pacijenti mogu svrstati
u tri riziÄne skupine. Analizu D-dimera moraju uÄiniti pacijenti malog i srednjeg rizika, dok
se u pacijenata visokog rizika odmah radi pretraga kompresije color Doppler ultrazvukom
(CD US). Pri sumnji na VTE procjenjujemo rizik Wellsovom ocjenskom ljestvicom za
postojanje PE i analizom D-dimera te obizrom na navedeno, odluÄujemo se za daljnji
dijagnostiÄki put. Kompjutorizirana tomografija pluÄnih arterija (CTPA) je danas metoda
izbora u dijagnosticiranju PE. Antikoagulantna terapija predstavlja osnovu lijeÄenja DVT Äiji
je cilj smanjiti Ŕirenje i recidiviranje tromba. Osim antikoagulantnih lijekova, u obzir dolazi i
trombolitiÄko lijeÄenje te postavljanje filtera donje Å”uplje vene. LijeÄenje PE ovisi o
hemodinamskoj stabilnosti pacijenta. Hemodinamski se stabilni pacijenti lijeÄe
antikoagulansima, dok hemodinamski nestabilni zahtijevaju trombolitiÄko lijeÄenje.Deep vein thrombosis (DVT) is a multifactorial disease in which the clot is formed in the
deep veins of the limbs. The most significant complication of DVT is the development of
pulmonary embolism (PE). These two entities are known by the common name as venous
thromboembolism (VTE). Depending on the location of the thrombus, DVT is divided to
proximal and distal DVT. Proximal DVT is considered much more dangerous because of the
increased tendency of PE development. The incidence of DVT increases by age, while the
remaining predisposing factors are male gender, surgical procedures, pregnancy, usage of
hormonal contraception, malignancies, prolonged immobilization and many more. Typical
clinical presentation includes red, painful, warm, and tender leg with the edema distally to the
thrombus location. DVT can be complicated by the development of PE, chronic venous
insufficiency (CVI) and postthrombotic syndrome (PTS). In the diagnosis of DVT, Wells'
criteria is used for the assessment of DVT by which the patients are classified in three risk
groups. The patients of low and moderate risk should undergo D-dimer testing, while the high
risk patients should immediately undergo compression color Doppler ultrasound (CD US)
investigation. When VTE is suspected, the risk is assessed by Wells' score for PE and Ddimer
testing for determining further diagnostic algorithm. Computed tomography pulmonary
angiography (CTPA) is the method of choice for PE diagnosis. Anticoagulant therapy is the
most common mode of DVT treatment which goal is to reduce expansion of the thrombus and
it's relapse. Besides the anticoagulation therapy, thrombolysis and inferior vena cava filter
insertion should be considered. PE treatment depends on the patient's hemodynamic stability.
Hemodynamic stable patient should be treated with anticoagulants, while hemodynamic
unstable patient requires thrombolytic therapy
Flexible Pavement Overlay Design
Ovim diplomskim radom analizirana je moguÄnost primjene razliÄitih metoda izraÄuna pojaÄanja na temelju podataka o izmjerenim defleksijama savitljive kolniÄke konstrukcije, te je dan prijedlog optimalne metode s obzirom na kategoriju oÅ”teÄenja. U ovom radu koriÅ”tene su dvije metode dimenzioniranja debljina potrebnog asfaltnog pojaÄanja i to metoda Asfaltnog institura SAD i postupak prema Å vicarskim normama. Dobivena konstrukcija provjerena je na otpornost djelovanja smrzavanja i na dozvoljena naprezanja i deformacije
THE ROLE AND IMPORTANCE OF VALUE ADDED TAX IN THE TAX SYSTEM : Graduate paper
Porez na dodanu vrijednost je porezni oblik koji ima znaÄajnu ulogu u poreznom sustavu.
Predstavlja oblik financijskog instrumenta kojim se prikupljaju javni prihodi za podmirenje
javnih rashoda države. Porez na dodanu vrijednost postoji koliko i prve civilizacije, a pripada
skupini poreza na promet. Zbog karakteristika jeftinoÄe, izdaÅ”nosti i stabilnosti prikupljanja
javnih prihoda PDV u svojim poreznim sustavima primjenjuju sve Älanice EU-a. U radu je
analiziran porez na dodanu vrijednost u Europskoj uniji s naglaskom na porez na dodanu
vrijednost u Republici Hrvatskoj u razdoblju od 2010. do 2020. godine. Analizom je utvrÄeno
da najviÅ”u stopu poreza na dodanu vrijednost u EU primjenjuje MaÄarska, a Republika
Hrvatska je na drugom mjestu sa stopom PDV-a od 25%. Porez na dodanu vrijednost u
poreznom sustavu Republike Hrvatske ima iznimno veliku ulogu jer prema podatcima
Ministarstva financija prihodi od poreza na dodanu vrijednost Äine u prosjeku oko 60% ukupnih
poreznih prihoda u posljednjih deset godina.Value-added Tax is a type of tax which has a significant role in tax system. It is a type of
financial instrument by which public revenue is collected to pay off public expenditure.
Value-added tax belongs to the category of consumption taxes and is just as old as first civilizations.
Due to the characteristics of cheapness, generosity and stability of the collection of public
revenues, all EU member states apply VAT in their tax systems. The paper analyzes the value
added tax in the European Union with an emphasis on the value added tax in the Republic of
Croatia in the period from 2010 to 2020. The analysis shows that the highest rate of value added
tax in the EU is applied by Hungary, and that the Republic of Croatia is in second place with a
VAT rate of 25%. Value-added tax has a significant role in Croatian tax system, as Croatian
Ministry of Finance has reported that such revenue makes 60% of stateās tax revenue in the last
ten years
Deep vein thrombosis
Duboka venska tromboza (DVT) je multifaktorska bolest koja je posljedica stvaranja ugruŔka
u dubokim venama udova. NajznaÄajnija komplikacija DVT je razvitak pluÄne embolije (PE),
a to se stanje zajedniÄkim imenom naziva venska tromboembolija (VTE). Prema lokaciji
tromba u dubokim venama razlikujemo proksimalni i distalni DVT. Proksimalni se DVT
smatra znatno opasnijim od distalnog zbog veÄe tendencije razvijanja PE. Incidencija DVT
raste s dobi, a preostali predisponirajuÄi faktori su muÅ”ki spol, kirurÅ”ki zahvati, trudnoÄa,
koriŔtenje hormonske kontracepcije, maligne bolesti, produljena imobilizacija i brojni drugi.
TipiÄna kliniÄka slika ukljuÄuje crvenu, bolnu, toplu i osjetljivu nogu s edemom distalno od
lokacije tromba. DVT se može komplicirati razvojem PE, kroniÄne venske insuficijencije
(CVI) i posttrombotskog sindroma (PTS). U dijagnosticiranju DVT se služimo Wellsovim
kriterijima za procjenu vjerojatnosti postojanja DVT temeljem koje se pacijenti mogu svrstati
u tri riziÄne skupine. Analizu D-dimera moraju uÄiniti pacijenti malog i srednjeg rizika, dok
se u pacijenata visokog rizika odmah radi pretraga kompresije color Doppler ultrazvukom
(CD US). Pri sumnji na VTE procjenjujemo rizik Wellsovom ocjenskom ljestvicom za
postojanje PE i analizom D-dimera te obizrom na navedeno, odluÄujemo se za daljnji
dijagnostiÄki put. Kompjutorizirana tomografija pluÄnih arterija (CTPA) je danas metoda
izbora u dijagnosticiranju PE. Antikoagulantna terapija predstavlja osnovu lijeÄenja DVT Äiji
je cilj smanjiti Ŕirenje i recidiviranje tromba. Osim antikoagulantnih lijekova, u obzir dolazi i
trombolitiÄko lijeÄenje te postavljanje filtera donje Å”uplje vene. LijeÄenje PE ovisi o
hemodinamskoj stabilnosti pacijenta. Hemodinamski se stabilni pacijenti lijeÄe
antikoagulansima, dok hemodinamski nestabilni zahtijevaju trombolitiÄko lijeÄenje.Deep vein thrombosis (DVT) is a multifactorial disease in which the clot is formed in the
deep veins of the limbs. The most significant complication of DVT is the development of
pulmonary embolism (PE). These two entities are known by the common name as venous
thromboembolism (VTE). Depending on the location of the thrombus, DVT is divided to
proximal and distal DVT. Proximal DVT is considered much more dangerous because of the
increased tendency of PE development. The incidence of DVT increases by age, while the
remaining predisposing factors are male gender, surgical procedures, pregnancy, usage of
hormonal contraception, malignancies, prolonged immobilization and many more. Typical
clinical presentation includes red, painful, warm, and tender leg with the edema distally to the
thrombus location. DVT can be complicated by the development of PE, chronic venous
insufficiency (CVI) and postthrombotic syndrome (PTS). In the diagnosis of DVT, Wells'
criteria is used for the assessment of DVT by which the patients are classified in three risk
groups. The patients of low and moderate risk should undergo D-dimer testing, while the high
risk patients should immediately undergo compression color Doppler ultrasound (CD US)
investigation. When VTE is suspected, the risk is assessed by Wells' score for PE and Ddimer
testing for determining further diagnostic algorithm. Computed tomography pulmonary
angiography (CTPA) is the method of choice for PE diagnosis. Anticoagulant therapy is the
most common mode of DVT treatment which goal is to reduce expansion of the thrombus and
it's relapse. Besides the anticoagulation therapy, thrombolysis and inferior vena cava filter
insertion should be considered. PE treatment depends on the patient's hemodynamic stability.
Hemodynamic stable patient should be treated with anticoagulants, while hemodynamic
unstable patient requires thrombolytic therapy
Deep vein thrombosis
Duboka venska tromboza (DVT) je multifaktorska bolest koja je posljedica stvaranja ugruŔka
u dubokim venama udova. NajznaÄajnija komplikacija DVT je razvitak pluÄne embolije (PE),
a to se stanje zajedniÄkim imenom naziva venska tromboembolija (VTE). Prema lokaciji
tromba u dubokim venama razlikujemo proksimalni i distalni DVT. Proksimalni se DVT
smatra znatno opasnijim od distalnog zbog veÄe tendencije razvijanja PE. Incidencija DVT
raste s dobi, a preostali predisponirajuÄi faktori su muÅ”ki spol, kirurÅ”ki zahvati, trudnoÄa,
koriŔtenje hormonske kontracepcije, maligne bolesti, produljena imobilizacija i brojni drugi.
TipiÄna kliniÄka slika ukljuÄuje crvenu, bolnu, toplu i osjetljivu nogu s edemom distalno od
lokacije tromba. DVT se može komplicirati razvojem PE, kroniÄne venske insuficijencije
(CVI) i posttrombotskog sindroma (PTS). U dijagnosticiranju DVT se služimo Wellsovim
kriterijima za procjenu vjerojatnosti postojanja DVT temeljem koje se pacijenti mogu svrstati
u tri riziÄne skupine. Analizu D-dimera moraju uÄiniti pacijenti malog i srednjeg rizika, dok
se u pacijenata visokog rizika odmah radi pretraga kompresije color Doppler ultrazvukom
(CD US). Pri sumnji na VTE procjenjujemo rizik Wellsovom ocjenskom ljestvicom za
postojanje PE i analizom D-dimera te obizrom na navedeno, odluÄujemo se za daljnji
dijagnostiÄki put. Kompjutorizirana tomografija pluÄnih arterija (CTPA) je danas metoda
izbora u dijagnosticiranju PE. Antikoagulantna terapija predstavlja osnovu lijeÄenja DVT Äiji
je cilj smanjiti Ŕirenje i recidiviranje tromba. Osim antikoagulantnih lijekova, u obzir dolazi i
trombolitiÄko lijeÄenje te postavljanje filtera donje Å”uplje vene. LijeÄenje PE ovisi o
hemodinamskoj stabilnosti pacijenta. Hemodinamski se stabilni pacijenti lijeÄe
antikoagulansima, dok hemodinamski nestabilni zahtijevaju trombolitiÄko lijeÄenje.Deep vein thrombosis (DVT) is a multifactorial disease in which the clot is formed in the
deep veins of the limbs. The most significant complication of DVT is the development of
pulmonary embolism (PE). These two entities are known by the common name as venous
thromboembolism (VTE). Depending on the location of the thrombus, DVT is divided to
proximal and distal DVT. Proximal DVT is considered much more dangerous because of the
increased tendency of PE development. The incidence of DVT increases by age, while the
remaining predisposing factors are male gender, surgical procedures, pregnancy, usage of
hormonal contraception, malignancies, prolonged immobilization and many more. Typical
clinical presentation includes red, painful, warm, and tender leg with the edema distally to the
thrombus location. DVT can be complicated by the development of PE, chronic venous
insufficiency (CVI) and postthrombotic syndrome (PTS). In the diagnosis of DVT, Wells'
criteria is used for the assessment of DVT by which the patients are classified in three risk
groups. The patients of low and moderate risk should undergo D-dimer testing, while the high
risk patients should immediately undergo compression color Doppler ultrasound (CD US)
investigation. When VTE is suspected, the risk is assessed by Wells' score for PE and Ddimer
testing for determining further diagnostic algorithm. Computed tomography pulmonary
angiography (CTPA) is the method of choice for PE diagnosis. Anticoagulant therapy is the
most common mode of DVT treatment which goal is to reduce expansion of the thrombus and
it's relapse. Besides the anticoagulation therapy, thrombolysis and inferior vena cava filter
insertion should be considered. PE treatment depends on the patient's hemodynamic stability.
Hemodynamic stable patient should be treated with anticoagulants, while hemodynamic
unstable patient requires thrombolytic therapy
THE ROLE AND IMPORTANCE OF VALUE ADDED TAX IN THE TAX SYSTEM : Graduate paper
Porez na dodanu vrijednost je porezni oblik koji ima znaÄajnu ulogu u poreznom sustavu.
Predstavlja oblik financijskog instrumenta kojim se prikupljaju javni prihodi za podmirenje
javnih rashoda države. Porez na dodanu vrijednost postoji koliko i prve civilizacije, a pripada
skupini poreza na promet. Zbog karakteristika jeftinoÄe, izdaÅ”nosti i stabilnosti prikupljanja
javnih prihoda PDV u svojim poreznim sustavima primjenjuju sve Älanice EU-a. U radu je
analiziran porez na dodanu vrijednost u Europskoj uniji s naglaskom na porez na dodanu
vrijednost u Republici Hrvatskoj u razdoblju od 2010. do 2020. godine. Analizom je utvrÄeno
da najviÅ”u stopu poreza na dodanu vrijednost u EU primjenjuje MaÄarska, a Republika
Hrvatska je na drugom mjestu sa stopom PDV-a od 25%. Porez na dodanu vrijednost u
poreznom sustavu Republike Hrvatske ima iznimno veliku ulogu jer prema podatcima
Ministarstva financija prihodi od poreza na dodanu vrijednost Äine u prosjeku oko 60% ukupnih
poreznih prihoda u posljednjih deset godina.Value-added Tax is a type of tax which has a significant role in tax system. It is a type of
financial instrument by which public revenue is collected to pay off public expenditure.
Value-added tax belongs to the category of consumption taxes and is just as old as first civilizations.
Due to the characteristics of cheapness, generosity and stability of the collection of public
revenues, all EU member states apply VAT in their tax systems. The paper analyzes the value
added tax in the European Union with an emphasis on the value added tax in the Republic of
Croatia in the period from 2010 to 2020. The analysis shows that the highest rate of value added
tax in the EU is applied by Hungary, and that the Republic of Croatia is in second place with a
VAT rate of 25%. Value-added tax has a significant role in Croatian tax system, as Croatian
Ministry of Finance has reported that such revenue makes 60% of stateās tax revenue in the last
ten years