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Measuring the concentration of insurance sector
Maja Dimić, Lidija Barjaktarović, Olja Arsenijević, Polona Šprajc, Janez Žirovnik, 2018, original scientific article

Abstract: Background and purpose: The goal of the paper is to determine the level of concentration in the insurance sector in the following eight countries of South and Eastern Europe: Serbia, Croatia, Bosnia and Herzegovina, Montenegro, Former Yugoslav Republic of Macedonia, Romania, Bulgaria and Albania in the period from 2007 to 2012. Design/Methodology/Approach: In this context, the analysed indicators of concentration were the market share of the four leading financial institutions (CR4), the Herfindahl-Hirschman Index (HHI), the coefficient of entropy (E), the coefficient of relative entropy (RE) and Gini coefficient (G). Results: The study showed that the insurance sectors in the analysed countries are highly concentrated on average (according to CR4 indicator), medium concentrated (according to HHI) with high levels of inequality of distribution of market shares between individual participants (in terms of G coefficient), and in the zone of relative uniformity and equality of business entities (according to RE coefficient). The research results point out that the existence of different levels of correlation between the analysed indicators of concentration in the insurance sector, which confirms the conclusion that, in order to obtain relevant and quality conclusions about the level of concentration, it is necessary to review and analyse several indicators of concentration integrally. Conclusion: In all observed indicators of concentration in relation with the density level GDP pc move in the zone of very low value, which on the one hand points to the fact that the analysed countries at a relatively similar level of development have significantly different levels of concentration, but also on the fact that some countries although at different levels of development, have similar levels of concentration.
Keywords: insurance sector, concentration level, concentration indicators
Published: 07.05.2018; Views: 1006; Downloads: 58
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Hungarian challenges of housing block regeneration
András Trócsányi, Kristóf Orbán, 2012, original scientific article

Abstract: As post-socialist suburbanisation is about to decline, and the buildings of cities start to age rapidly, more and more attention is focused on city rehabilitation in East-Central Europe as well, which will probably be continued in the near future by the rehabilitation of early housing estates. Through an example, the current study shows the challenges such an action faces. Based on the comparison of demands with scenarios that were drawn up from data bases originating from a diverse methodology, it appears that the most reasonable idea would be to generally apply the basic principles of diversification and selecto-concentration, but the uniqueness of individual housing blocks requires that planning is done on an individual basis.
Keywords: regeneration, planning, East-Central Europe, housing estates, selecto-concentration
Published: 10.04.2018; Views: 428; Downloads: 49
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Assessment of the state of competition in the banking market in the Russian Federation
Anna Rabdanova, Vera Bulatova, 2016, original scientific article

Abstract: Competition is one of the factors directly influencing the development of the banking market, the stability of the banking system, and the monetary system as a whole. This article describes the features of banking competition, methods of analysis of banking competition, and an analysis of the current state of competition in the banking market in the Russian Federation. The analysis of banking competition in the Russian Federation was performed using the concentration ratio for the top three companies and the Herfindahl-Hirschman Index. The research concludes with an assessment of the state of competition in the banking market and identification of the barriers to entering the financial services market.
Keywords: Commercial bank, bank competition, banking market, market concentration
Published: 03.11.2017; Views: 772; Downloads: 270
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A sensitivity model and repeatability of recipe colour
Boris Sluban, Olivera Šauperl, 2001, original scientific article

Abstract: The paper briefly describes a mathematical model of the colorant mixture colour sensitivity to concentration errors and the numerical estimates of the related quantities. Features of the theoretical model are illustrated with the results of a number of numerical experiments in which the optical data of a few basic dyes applied to textile fabric were used to predict the sensitivities of recipes for sets of target colours spaced regularly in the colour solid. The rest of the article deals with the question whether the predicted values of recipe colour sensitivity provide useful information about the repeatability of recipe colour. The results of a few groups of laboratory experiments involving the textile fabric dyeing with basic dyes have been analysed with this question in mind.
Keywords: textile dyeing, basic dyes, recipe colour, colour, color repeatability, colour sensitivity, concentration errors, mathematical model
Published: 05.07.2017; Views: 554; Downloads: 86
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Fatigue crack initiation from microstructurally small Vickers indentations
Tomaž Vuherer, Andrej Godina, Zijah Burzić, Vladimir Gliha, 2007, original scientific article

Abstract: The resistivity of coarse grain steel against crack initiation in the presence of micro defects is discussed. Samples of material with martensitic microstructure were prepared by adequate thermal treatment. Microstructurally small Vickers indentations were used as an artificial micro defect. The compressive residual stresses are due to the irreversibility of plastic deformation. The moment of indenting enables to prepare samples with and without effects of residual stresses. The stress level for crack initiation depends on the actual indentation size. The location of initiated cracks is affected by the presence and character of residual stresses.
Keywords: welded joints, micro defect, coarse grain HAZ, crack initiation, crack growth, stress concentration, fatigue limit, Vickers, residual stresses
Published: 03.07.2017; Views: 673; Downloads: 84
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Zastrupitev z etilenglikolom
Nina Hojs, Robert Ekart, Franc Svenšek, 2011, professional article

Abstract: Zastrupitve z etilenglikolom so dokaj redke. Etilenglikol je sam po sebi malo toksičen, hudo zastrupitev povzročajo predvsem njegovi presnovni produkti. Prikazani primer obravnava značilno klinično sliko (nevrološka, kardiopulmonalna in ledvična faza) in laboratorijske rezultate (povišana serumska osmolalnost, povišana osmolalna vrzel, metabolična acidoza s povišano anionsko vrzeljo, kristali kalcijevega oksalata v urinu) ob zastrupitvi z etilenglikolom. Hitra prepoznava je nujna, saj sta obolevnost in smrtnost po zastrupitvi visoki. Zdravljenje vključuje vzdrževanje dihalne poti, dihanja in krvnega obtoka, infuzijo bikarbonata, dajanje antidota (etanol, fomepizol), hemodializo, včasih tudi zdravljenje s kofaktorji presnove etilenglikola (tiamin, piridoksin, magnezij).
Keywords: Acid-Base Equilibrium, Acido-bazno ravnotežje, diagnosis, Diagnostika, Emergency Treatment, Ethylene Glycol, Etilenglikol, klinična slika, Nujno ukrepanje, Osmolar Concentration, Osmolarna koncentracija, poisoning, therapy, Zastrupitve, Zdravljenje
Published: 30.12.2015; Views: 1891; Downloads: 77
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An effect of sodium dodecylsulfate on the corrosion of copper in sulphuric acid media
Regina Fuchs-Godec, Valter Doleček, 2004, original scientific article

Abstract: The effect of sodium dodecylsulfate (SDS) on copper corrosion in a solution of 0.5 M H2SO4 + x M SDS was studied using electrochemical polarisation measurements. The critical micelle concentration (CMC) of SDS in 0.5 M H2SO4 is 8 * 10-4 M, and the experimental concentrations of SDS were in the range below and above the CMC. It was found that SDS is a good anodic inhibitor at lower anodic overpotentials, i.e. very close to the rest potential. Adsorptionof the inhibitor obeys the Langmuir isotherm. Plots of log [▫$theta$▫/(1-▫$theta$▫)] versus log ▫$c_{inh}$▫ yielded straight lines with a slope change at the CMC. Accordingly, the CMC could be determined from these electrochemical measurements. The values of ▫$Delta$▫▫$G_{ads}$▫ calculated from the Langmuir plots are negative, suggesting that the inhibitive action of SDS in 0.5 M H2SO4 results from the electrostatic adsorption of C12H25SO4- ions onto the positively charged copper surface.
Keywords: electrochemistry, corrosion inhibitors, surfactants, potentiodynamic polarisation, corrosion kinetic parameters, copper, Langmuir isotherm, critical micelle concentration, sulphuric acid
Published: 01.06.2012; Views: 1266; Downloads: 89
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An integrated strategy for the hierarchical multilevel MINLP synthesis of overall process flowsheets using the combined synthesis/analysis approach
Nataša Iršič Bedenik, Bojan Pahor, Zdravko Kravanja, 2004, original scientific article

Abstract: This paper describes an integrated strategy for a hierarchical multilevel mixed-integer nonlinear programming (MINLP) synthesis of overall process schemes using a combined synthesis/analysis approach. The synthesis is carried out by multilevel-hierarchical MINLP optimization of the flexible superstructure, whilst the analysis is performed in the economic attainable region (EAR). The role of the MINLP synthesis step is to obtain a feasible and optimal solution of the multi-D process problem, and the role of the subsequent EAR analysis step is to verify the MINLP solution and in the feedback loop to propose any profitable superstructure modifications for the next MINLP. The main objective of the integrated synthesis is to exploit the interactions between the reactor network, separator network and the remaining part of the heat/energy integrated process scheme.
Keywords: multilevel MINLP, MINLP synthesis, attainable region, economic attainable region, concentration attainable region, continous stirred tank reactor, plug flow reactor, recycle reactor, nonlinear programming, mixed integer nonlinear programme
Published: 01.06.2012; Views: 2082; Downloads: 90
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Inhibitory effect of non-ionic surfactants of the TRITON-X series on the corrosion of carbon steel in sulphuric acid
Regina Fuchs-Godec, 2007, original scientific article

Abstract: The corrosion inhibition characteristics of non-ionic surfactants of the TRITON-X series, known as TRITON-X-100 and TRITON-X-405, on stainless steel (SS) type X4Cr13 in sulphuric acid were investigated by potentiodynamic polarisation measurements. It was found that these surfactants act as good inhibitors of the corrosion of stainless steel in 2 mol L-1 H2SO4 solution, but the inhibition efficiency strongly depends on the electrode potential. Thepolarisation data showed that the non-ionic surfactants used in this study acted as mixed-type inhibitors and adsorb on the stainless steel surface, in agreement with the Flory-Huggins adsorption isotherm. Calculated Gads values are -57.79 kJ mol-1 for TRITON-X-100, and -87.5 kJ mol-1 for TRITON-X-405. From the molecular structure it can be supposed that these surfactants adsorb on the metal surface through two lone pairs of electrons on the oxygen atoms of the hydrophilic head group, suggesting a chemisorption mechanism.
Keywords: electrochemistry, corrosion inhibitors, non-ionic surfactants, Flory-Huggins isotherm, critical micelle concentration, sulphuric acid
Published: 01.06.2012; Views: 1456; Downloads: 85
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The removal of reactive dye printing compounds using nanofiltration
Irena Petrinić, Niels Peder Raj Andersen, Sonja Šostar-Turk, Alenka Majcen Le Marechal, 2007, original scientific article

Abstract: A synthetically prepared reactive dye print wastewater, mimicking real wastewater obtained from a local textile mill, was treated by nanofiltration using an NFT-50 membrane in a plate and frame module configuration at different cross-flow velocities (0.4, 0.6 and 0.8 m/s) and pressures (2-15 bar). The nanofiltration membrane was evaluated for membrane fouling, permeate flux and its suitability for removing colour, conductivity, Na+ ions and COD as a function of operating pressure and feed concentration. The permeate separation efficiency was monitored by measuring the removal efficiency of colour, conductivity, Na+ ions and COD retention. The membrane achieved high dye retention for each of the four dyes (from 99.4 to 99.9%) and electrolytes used (63-73%). The retention of organic substances varied between 20 and 50%, depending on the pressure used; higher retentions were achieved at higher pressure and by using higher cross-flow velocities.
Keywords: nanofiltration, nanofitration membranes, wastewater after reactive printing, reactive dye, concentration polarization
Published: 01.06.2012; Views: 1376; Downloads: 77
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