Development, Validity and Reliability of Perceived Service Quality in Retail Banking and its Relationship With Perceived Value and Customer Satisfaction

Microfinance is often hailed both as a tool for fighting poverty and as a tool for post-conflict reconciliation. This paper explores the use of microfinance in post-civil war Bosnia and Herzegovina, assessing its results in terms of both goals. As it combined high unemployment with a highly educated population in an institutionally open context, Bosnia and Herzegovina provides a crucial test of the effect of microfinance. If unambiguous signs of success cannot be found in a case with such favorable conditions, this would raise serious questions about the potential benefits of microfinance. The paper draws together evidence from a series of independent reviews of microfinance in Bosnia and Herzegovina, to assess its impact in terms of economic performance, the economic system, social welfare and post-conflict integration. Based on this case study, microfinance appears a better tool for dealing with poverty than with social integration or institution building.perceived quality, perceived value, satisfaction, retail banking services

Il "ritus patriarchinus" nel settore orientale del patriarcato di Aquileia

Il contributo indaga le ragioni che permettono di evincere l'appartenenza al patriarcato di Aquileia, quale provincia ecclesiastica, delle marche nell'estremo lembo sud occidentale del Sacro romano impero, e riflette sull’influenza che tale appartenenza esercitò su di esse

Musical insertions in Ms 29 of the National and University Library in Ljubljana (Slovenia)

In Ms 29 of the National and University Library in Ljubljana (Slovenia) — an early 13th-century copy of Dialogorum libri IV by Gregory the Great — there are two musical insertions: the sequence Celi solem imitantes and the hymn Jam lucis orto sidere. Written in Hungarian notation they were inserted onto blank pages in the completed manuscript in the span of time from the late 13th to the mid-14th century. Ms 29 bears a marginal inscription referring to Augustinus Cazottus (Kažotić), Bishop of Zagreb in the early 14th century. It was obviously in his possession. Presumably, the sequence and the hymn were inserted into Ms 29 somewhere in the Diocese of Zagreb, by someone skilled in Hungarian notation

Slovenski priimki na -goj

In the article are collected the Slovene and Croatian surnames ending in -goj and their Italianized variant -goi, as well as part of the medieval attestations of anthroponyms in historical registers with this morpheme that helps to shed light on its primary semantic value. The identification of this morpheme with the Common Slavic lexeme *gojb, whose meaning can be established using the comparative method as diving, vocation\u27, is obvious. (...)Članek prinaša vse današnje sloven. in hrv. priimke na -goj in -goi. Z uporabo primerjalne metode predlaga etimološke reŠitve priimkov Čeligoj, Sali goj, Šeligo in Šeliga ter listinsko izpričanih srednjeveŠkih antroponimov Zwerigoy < *Zvérigojb, Porgoy < *Borigojb, Sitigoi < *Žitigojb in Domagoy < *Domagojb

Slovenski priimki na -goj

In the article are collected the Slovene and Croatian surnames ending in -goj and their Italianized variant -goi, as well as part of the medieval attestations of anthroponyms in historical registers with this morpheme that helps to shed light on its primary semantic value. The identification of this morpheme with the Common Slavic lexeme *gojb, whose meaning can be established using the comparative method as diving, vocation\u27, is obvious. (...)Članek prinaša vse današnje sloven. in hrv. priimke na -goj in -goi. Z uporabo primerjalne metode predlaga etimološke reŠitve priimkov Čeligoj, Sali goj, Šeligo in Šeliga ter listinsko izpričanih srednjeveŠkih antroponimov Zwerigoy < *Zvérigojb, Porgoy < *Borigojb, Sitigoi < *Žitigojb in Domagoy < *Domagojb

Determination of the local transformation parameters between coordinate systems d-48 and d-96 in the area of Celje

The graduation thesis discusses the definition of local transformation parameters for a small\ud area or specific parcels in the area. To the boundary stones coordinates were determined on\ud the basis on rapid-static and RTK-GNSS surveying methods in the ETRS89 coordinate\ud system. These coordinates were compared with those in databases of Surveying and Mapping\ud Authorities of Slovenia. Nearby we determined coordinates of geodetic points with known\ud Gauss-Krüger coordinates also in ETRS89 coordinate system, Sets of coordinates, determined\ud in D-96/TM and D-48/GK were used to determine the local transformation parameters\ud between both systems. Finally, we analyzed the quality of several sets of local transformation\ud parameters and their practical value in relation to regional transformation parameters and\ud assess the quality of the different procedures of determination of transformed coordinates of\ud geodetic network points

Planar Pixel Sensors for the ATLAS tracker upgrade at HL-LHC

The ATLAS Planar Pixel Sensor R&D Project is a collaboration of 17 institutes and more than 80 scientists. Their goal is to explore the operation of planar pixel sensors for the tracker upgrade at the High Luminosity-Large Hadron Collider (HL-LHC). This work will give a summary of the achievements on radiation studies with n-in-n and n-in-p pixel sensors, bump-bonded to ATLAS FE-I3 and FE-I4 readout chips. The summary includes results from tests with radioactive sources and tracking efficiencies extracted from test beam measurements. Analysis results of ${2\cdot10^{16}} \text{n}_{\text{eq}}\text{cm}^{-2}$ and ${1\cdot10^{16}} \text{n}_{\text{eq}}\text{cm}^{-2}$ ($1 \text{MeV}$ neutron equivalent) irradiated n-in-n and n-in-p modules confirm the operation of planar pixel sensors for future applications

The importance of organizational culture for the performance of service organizations

Nedvomno je organizacijska kultura kot notranja zavest determinanta vedenja zaposlenih in pomemben fenomen znanstvenega proučevanja, predvsem z vidika potencialnega dejavnika razvijana konkurenčne prednosti organizacij. V prispevku obravnavamo nekatere vidike kulture organizacije in ugotavljamo, ali ustrezna usmerjenost in moč organizacijske kulture pomembno prispevata k učinkovitemu uresničevanju ciljev v organizacijah ter doseganju večje poslovne uspešnosti. Posebej osvetljujemo pomen organizacijske kulture v storitvenih organizacijah, v katerih je človeški dejavnik zaradi narave storitev ključni tvorec t. i. "mehkih sestavin" ponudbe, ki dandanes vse bolj pomenijo neizčrpen vir konkurenčnega pozicioniranja na trgu.Organizational culture as an internal consciousness of organizations as well as crucial determinant of their employee behaviour serves undoubtedly as an important phenomenon of scientific research especially from the perspective of its contribution to the performance of organizations as potential factor of their comperatitive advantage. In the paper authors discuss some aspects of organizational culture and try to find out if the right orientation and the strenght of organizational culture contribute signifficantly to the efficient realization of organizational objectives and to overall effectiveness. Special attention is paid to the importance of culture in service organizations employees as the creators of so called soft elements of the offers play decisive role in customer perception of the offers value and at the time serve as the key generator of the competitive positioning of service organizations

Cluster analysis as a tool of guests segmentation by the degree of their demand

Authors demonstrate the use of cluster analysis in finding out (ascertaining) the homogenity/heterogenity of guests as to the degree of their demand. The degree of guests’ demand is defined according to the importance of perceived service quality components measured by SERVQUAL, which was adopted and adapted, according to the specifics of health spa industry in Slovenia. Goals of the article are: (a) the identification of the profile of importance of general health spa service quality components, and (b) the identification of groups of guests (segments) according to the degree of their demand in the research in 1991 compared with 1999. Cluster analysis serves as useful tool for guest segmentation since it reveals the existence of important differences in the structure of guests in the year 1991 compared with the year 1999. The results serve as a useful database for management in health spas