Zeszyty Naukowe SGGW, Polityki Europejskie, Finanse i Marketing 2012 (7(56))

Autor	Andrea Bolčáková, Veronika Gašparíková, Ľudmila Nagyová,
Tytuł	Efficiency of TV Advertising Spots Promoting Non-alcoholic Drink Kofola
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Abstract	The main objective of the submitted paper is to investigate the impact of emotional appeals used in advertisements of traditional soft drink Kofola on consumers. Kofola beverage advertising strategy is based on tradition, history and quality. Within the article the most successful advertising campaigns and commercials are characterized that provides a basis for the assessment of emotional appeals in Kofola advertising. Evaluation of the impact of advertising on consumers was based on the information obtained from a questionnaire survey on a random sample of 203 respondents in the select district. The questionnaire survey was focused on the analysis of relationships, attitudes, and consumer associations with successful advertising campaigns and TV spots of Kofola drink. The intention was also to determine the factors influencing consumer perception through statistical testing of the existence and the intensity of dependence of observed responses from consumers’ characteristics. In this contribution psychological appeals of TV advertisement spots of Kofola were evaluated. Into the consideration four ad spots were taken: “Nude beach”, “Simply, she is not made from sugar”, “Love is no science” and “Right Slovak Christmas with Kofola”. Individual appeals were evaluated using data gathered from questionnaire survey made in the select district. In generally, respondents perceive commercials positively, there are just some differences between opinions of men and women as well as between young and older people.
Cytowanie	Bolčáková A., Gašparíková V., Nagyová Ľ. (2012) Efficiency of TV Advertising Spots Promoting Non-alcoholic Drink Kofola.Zeszyty Naukowe SGGW, Polityki Europejskie, Finanse i Marketing [t.], nr 7(56): 5-19
Pełny tekst	PEFIM_2012_n56_s5.pdf
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DOI	10.22630/PEFIM.2012.7.56.1

Autor	Joanna Chudzian,
Tytuł	Uwarunkowania spożycia produktów mleczarskich
Title	Determinants of Consumption of Dairy Products
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Abstrakt	W artykule zaprezentowano dane na temat spożycia produktów mleczarskich z podziałem na kategorie produktowe. Dokonano także analizy czynników kształtujących spożycie produktów mleczarskich z uwzględnieniem charakterystyki konsumentów zidentyfikowanych na podstawie badań własnych. Artykuł kończy podsumowanie ze wskazaniem kierunków działań dla przedsiębiorstw z branży mleczarskiej.
Abstract	The article presents an analysis of consumption of dairy products, which including product categories. Also the factors influencing the consumption of dairy products including consumer factors were analyzed. The article concludes with a summary indicating the directions of activities for companies in the dairy market.
Cytowanie	Chudzian J. (2012) Uwarunkowania spożycia produktów mleczarskich.Zeszyty Naukowe SGGW, Polityki Europejskie, Finanse i Marketing [t.], nr 7(56): 20-28
Pełny tekst	PEFIM_2012_n56_s20.pdf
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DOI	10.22630/PEFIM.2012.7.56.2

Autor	Katarína Kleinová, Zuzana Lušňáková,
Tytuł	Realising the Potential of the Internet in Business
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Abstract	Internet is probably now the most important technology. It is constantly growing and bringing new possibilities for its use. Every day, new users and services are added. Companies are therefore looking into the possibilities of how to use the Internet for their business activities. In the beginning, it was used to streamline communication. But now, with the emerging of websites it has come a time to consider its use also for other business activities. Own company website is not uncommon today and it is almost a necessity if a business wants to succeed in the fierce competitive environment. With well-designed page that includes the psychological elements, enterprise can use the Internet network as its advantage. Every company, regardless of its size, should have its own website through which it is able to communicate with its customers, both current and potential, but also with suppliers, subscribers and other partners. A professional and dynamic website can also be a powerful benefit for a small business that can bring new and exciting business opportunities.
Cytowanie	Kleinová K., Lušňáková Z. (2012) Realising the Potential of the Internet in Business.Zeszyty Naukowe SGGW, Polityki Europejskie, Finanse i Marketing [t.], nr 7(56): 29-37
Pełny tekst	PEFIM_2012_n56_s29.pdf
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DOI	10.22630/PEFIM.2012.7.56.3

Autor	Zdenka Kádeková, Anton Kretter,
Tytuł	Marketing of Direct Selling of Agricultural Products
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Abstract	Direct selling of agricultural products means selling of products directly to consumers away from a fixed retail location without using any other organization or company. The success of direct selling is determined by the factors such as distance of the company from the homes of customers, important is also transportation network, readiness of the company for this type of selling as well as following the given rules and legislation together with respecting market potential and marketing approach of the company. Extending the activities of the company in this direction is strongly connected with utilization of marketing tools within marketing conception. Success of this activity is influenced by recognition of motivation as well as other conditions for direct selling of agricultural products from original producer. Paper points at importance of direct selling of agricultural products based on own questionnaire research. To get as close as possible to final consumers with fresh products and selling these products directly to consumers away from a fixed retail location are the most important points. Producers are constantly looking for adequate distribution channels for their produce which would satisfied requirements of customers and obtain a reasonable effect for producers as well. Direct selling of agricultural products is a form of sales, which does not appear so frequently in the practice because of urgent need for industrial treatment of most agricultural products. Despite this fact, direct selling of agricultural products has its own unique economic, commercial and non-productive substantiation. For direct selling is the most important to use the tools of product policy . The direct selling of agricultural products is concentrated mainly on traditional agricultural products or their processed food products - dominant is quality of sold product. Quality of the product influences directly image of the product as well as the groups of customers of direct selling. Direct selling from the farms in the Slovak Republic contributes to the total revenues for the agricultural production capacity from 6% to 7%. Direct selling is more intensive in the companies selling fruit and vegetables, where the volume of direct sales reaches 10% to 15% share of sales. Although direct selling is the just additional distribution way, it is appropriate to choose a strategy that respects the manufacturing offer of the company and the economy of the sales. Within direct selling of agricultural products, there is also a need to use the tools of communication policy, such as advertising, sales promotion and public relations to get closer to the target customer.
Cytowanie	Kádeková Z., Kretter A. (2012) Marketing of Direct Selling of Agricultural Products.Zeszyty Naukowe SGGW, Polityki Europejskie, Finanse i Marketing [t.], nr 7(56): 38-44
Pełny tekst	PEFIM_2012_n56_s38.pdf
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DOI	10.22630/PEFIM.2012.7.56.4

Autor	Zdenka Kádeková, Lubica Kubicova,
Tytuł	The Use of Marketing Communication Tools by DANONE Company
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Abstract	Each company that wants to be successful on the market has to understand the basic principles of effective communication with the market and also should focus on creating an appropriate and balanced communication mix. When communicating with customers, the most important is the basic information about the product and its advantages. Therefore, each company has to strive to communicate clearly, consistently and convincingly. Important is that the various marketing communication tools were collected and combined with respect to the target market segment. The aim of this paper is to assess the current state of marketing communication and trends in the use of communication mix tools with a focus on advertising. The paper deals with both the analysis and assessment of the general impact of advertising on consumer behavior and focuses on "Danone" company and evaluation its advertising policy to customers. Understanding the basic principles of effective communication with the market and also should focus on creating an appropriate and balanced communication mix. When communicating with customers, the most important is the basic information about the product and its advantages. The basis of good corporate communication mix creates the elements such as advertising, public relations, personal selling, sales promotion, direct marketing and event marketing. These are the tools by which the company Danone seeks to achieve its advertising and marketing objectives. In 2011 Danone came with a new campaign: "Oh la la Danette!“ pointing at French recipe and delicious taste of this product. Another really successful products of Danone company is Actimel and Activia. Survey proved, that the ads of Danone company influence more women than men and there is also a strong dependence between age of respondents and trust to the brand. 15 – days test and the decision of respondents about accession to the test of Activia product is largely affected by the economic situation of the consumer. Most of the respondents truly believe the information about positive health impact of Activia product on human body as it is seen in ads on TV.
Cytowanie	Kádeková Z., Kubicova L. (2012) The Use of Marketing Communication Tools by DANONE Company.Zeszyty Naukowe SGGW, Polityki Europejskie, Finanse i Marketing [t.], nr 7(56): 45-52
Pełny tekst	PEFIM_2012_n56_s45.pdf
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DOI	10.22630/PEFIM.2012.7.56.5

Autor	Katarína Kleinová, Zuzana Lušňáková,
Tytuł	The Place of Corporate Social Responsibility and its Activities in the Retail Firm Management
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Abstract	The paper deals with the important involvement of the retail firm - Corporate Social Responsibility (CSR) and its place and activities in the retail firm management. For the purpose of this paper we choose one of the Slovak retail firms. The main objective of the article is to find out, how CSR is placed in chosen firms activities. Besides other areas of CSR activities special emphasis is put on the firm – customer relationship which will be the most important CSR task for the future. Qualitative research method, in-depth interviews, is chosen in order to analyse the research aim of this paper. The paper deals with the important involvement of the retail firm - Corporate Social Responsibility (CSR) and its place and activities in the retail firm management. For the purpose of this paper we choose one of the Slovak retail firms. The main objective of the article is to find out, how CSR is placed in chosen firms activities. Besides other areas of CSR activities special emphasis is put on the firm – customer relationship which will be the most important CSR task for the future. Qualitative research method, in-depth interviews, is chosen in order to analyse the research aim of this paper.
Cytowanie	Kleinová K., Lušňáková Z. (2012) The Place of Corporate Social Responsibility and its Activities in the Retail Firm Management.Zeszyty Naukowe SGGW, Polityki Europejskie, Finanse i Marketing [t.], nr 7(56): 53-61
Pełny tekst	PEFIM_2012_n56_s53.pdf
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DOI	10.22630/PEFIM.2012.7.56.6

Autor	Hemmali Nagmy, Patrik Rovny, Lucia Vilhanová,
Tytuł	The African Economies and Agricultural Value-Added – Contribution to GDP. Top Economies of 20 Countries in Africa 2012
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Abstract	For national income accounting, policy decision-makers need information about state “country economy” of national economy. In this paper the economic fundamentals of African selected countries are explained in order to place these countries’ economies in perspective before continuing to examine the GDP settings of the countries in order to similarly place their agricultural sectors in perspective. Secondary economic data is sourced from different informal bodies as United Nations World Development Indicators, the Food and Agricultural Organization (FAO) and the Central Intelligence Agency (CIA) websites, with the most consistent recently available data used. Some examples on GDP are given, GDP is a crucial measure of the size and health of an economy and the economic measurements are defined. The difference between GDP and GNP as well as GDP components are explained. Differences between microeconomics and macroeconomics are also illustrated.
Cytowanie	Nagmy H., Rovny P., Vilhanová L. (2012) The African Economies and Agricultural Value-Added – Contribution to GDP. Top Economies of 20 Countries in Africa 2012.Zeszyty Naukowe SGGW, Polityki Europejskie, Finanse i Marketing [t.], nr 7(56): 62-72
Pełny tekst	PEFIM_2012_n56_s62.pdf
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DOI	10.22630/PEFIM.2012.7.56.7

Autor	Urszula Podstawka, Marian Podstawka,
Tytuł	Fundusz Składkowy KRUS – stan i perspektywy
Title	The Contribution Fund of the Farmers Social Insurance – Current Situation and Prospects for Change
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Abstract	The Contribution Fund of the Farmers Social Insurance (part of The Agricultural Social Insurance Fund – KRUS) is created form contributions into accident, health and maternity insurance and other sources specified in the statutes assuring full coverage of the contribution fund expenditure. For this type of insurance are not involved funds from the state budget. In recent years the fund has a quota of about 0.5 billion zł, equating income to expenditure. However, projections indicate that in the coming years, the Fund will not be able to meet its revenue expenditure. There are some opportunities to improve its financial situation. This would require the conversion of the Fund's insurance company. It seems that the path of restructuring in this case is straightforward because the Contribution Fund shall have legal personality, the Supervisory Board and Executive Board. If the Contribution Fund has become an insurance company, then it could result in crop insurance, buildings and livestock with subsidies from the state budget. This fund as an insurance company could realize the catastrophic insurance and insurance of forests or other agricultural assets, which currently does not insure commercial insurance companies.
Cytowanie	Podstawka U., Podstawka M. (2012) Fundusz Składkowy KRUS – stan i perspektywy.Zeszyty Naukowe SGGW, Polityki Europejskie, Finanse i Marketing [t.], nr 7(56): 73-80
Pełny tekst	PEFIM_2012_n56_s73.pdf
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DOI	10.22630/PEFIM.2012.7.56.8

Autor	Marta Postuła,
Tytuł	EURO 2012 wyzwaniem organizacyjnym dla Polski
Title	EURO 2012 Organizational Challenge for Poland
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Abstrakt	Program przygotowań do przeprowadzenia w Polsce Mistrzostw Europy w piłce nożnej w 2012 r. jest od kilku lat strategicznym przedsięwzięciem. Na proces ten składają się dwa zasadnicze zagadnienia: przygotowanie infrastruktury warunkującej przeprowadzenie turnieju oraz stworzenie odpowiedniej organizacji pozwalającej na maksymalnie sprawne przeprowadzenie tak dużej i długiej imprezy masowej. Należy podkreślić, że wszystkie elementy przygotowań do turnieju wymagają zastosowania możliwie nowoczesnych i wydajnych metod zarządzania. Efektywna realizacja zadań w aspekcie organizacyjnym w tym przypadku nie będzie jednorazowym działaniem w sytuacji awaryjnej, czy też nadzwyczajnej. Zmiana kulturowa (jeśli się dokona) może oznaczać, że polskie instytucje funkcjonują skutecznie w nowoczesnym środowisku zarządczym.
Abstract	The preparations for the conduct of the European Championships in Poland in football in 2012 is the strategic project for several years. This process consists of two fundamental issues: preparation of the infrastructure to carry out the tournament and conditioning the development of an appropriate organization which allows for up to the efficient conduct of such a large and long mass event. It should be emphasized that all elements of preparation for the tournament possibly require modern and efficient management methods. Efficient implementation of tasks in terms of their organization, in this case is not one-off in an emergency situation or emergency. Cultural change (if made?) may mean that Polish institutions function effectively in the modern managerial environment.
Cytowanie	Postuła M. (2012) EURO 2012 wyzwaniem organizacyjnym dla Polski.Zeszyty Naukowe SGGW, Polityki Europejskie, Finanse i Marketing [t.], nr 7(56): 81-91
Pełny tekst	PEFIM_2012_n56_s81.pdf
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DOI	10.22630/PEFIM.2012.7.56.9

Autor	Jana Prevužňáková, Katarína Zemková,
Tytuł	The Analysis of the Indebtedness of Slovak Agricultural Enterprises in Years 2003 and 2009 and Multi-criteria Analysis of Slovak Agricultural Enterprises in Years 2003 and 2009
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Abstract	This article shows the changes of structural census of agricultural enterprises which was lastly performed in 2010. The census of agriculture is published every ten years. The aim of the article is to show the impact of farm’s legal forms on sources of funding which is one of two main objectives of article’s research. Second objective explains the correlation of legal status of enterprises and sources of external funds. From the comparison of these two points, the result will either confirm or refute the claims that farms should have the highest contribution of external capital to achieve the ideal results. In the paper the difference in funding between the two legal forms was confirmed. The indebtedness of commercial companies is considerably higher in both observed years (2003, 2009). Another finding is that during the observed period (2003-2009) the proportion of commercial companies with higher indebtedness increased significantly. Since Slovakia joined the EU the amount of external sources has risen and it is still rising. But a positive respond in profitability of agriculture enterprises was not observed, as would be expected. According to the Cluster Analysis the centroids of both legal forms were unprofitable in 2003. By comparison between the year 2003, the year in which Slovakia joined the EU and the year 2009, we observe an overall increase in the economic result from the negative to the positive integers. The year 2009 from the point of view of the farmers we can apperceive as a positive year in terms of the world prices, which were on the historical highest level. These prices were supported by a weak U.S. dollar. In the paper the difference in management of the two legal forms was confirmed. In both observed years commercial companies have the highest ratio of external funds, the lowest number employees and the lowest area per hectare. And cooperatives can be characterized with the highest number of employees and also the highest area per hectare.
Cytowanie	Prevužňáková J., Zemková K. (2012) The Analysis of the Indebtedness of Slovak Agricultural Enterprises in Years 2003 and 2009 and Multi-criteria Analysis of Slovak Agricultural Enterprises in Years 2003 and 2009.Zeszyty Naukowe SGGW, Polityki Europejskie, Finanse i Marketing [t.], nr 7(56): 92-101
Pełny tekst	PEFIM_2012_n56_s92.pdf
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DOI	10.22630/PEFIM.2012.7.56.10

Autor	Dušan Dobák, Katarína Klimentová, Roman Récky,
Tytuł	Development of Selected Marketing and Economic Indicators Within the Growing of Oilseed Rape in the Slovak Republic
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Abstract	Growing of oil crops has spread considerably in the last years. The most important oil crop grown in our conditions is oilseed rape. In this paper we evaluate the growing of oilseed rape from the production and economic point of view. We focused on the years 2004 – 2010. Obtained results show that the economic advantage of oilseed rape growing is affected mainly by the climatic conditions as well as by the intensification of production and support policy. The year 2008 was economically most advantageous of evaluated years. The highest loss within the growing of oilseed rape was recorded in 2009. Higher hectare yield of oilseed rape can be achieved by the intensification of production.
Cytowanie	Dobák D., Klimentová K., Récky R. (2012) Development of Selected Marketing and Economic Indicators Within the Growing of Oilseed Rape in the Slovak Republic.Zeszyty Naukowe SGGW, Polityki Europejskie, Finanse i Marketing [t.], nr 7(56): 102-108
Pełny tekst	PEFIM_2012_n56_s102.pdf
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DOI	10.22630/PEFIM.2012.7.56.11

Autor	Hemmali Nagmy, Patrik Rovny, Aleksejs Zuravlovs,
Tytuł	Assessment of the Slovak and Latvian Agriculture from the Point of Plant Production
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Abstract	Agriculture as one of major industries of the national economy is closely connected with the development of the whole country, especially rural regions and food production. Therefore it should be viewed as an important factor of rural development and economic stability of the whole country. The main aim of article is to compare the position of plant production and agriculture in two EU countries: Slovakia and Latvia. Realization of the mentioned objective required the research within the period of the years 2009-2010. We used basic organizational and economic relations and numeric calculations while analyzing and forming the theoretical and practical solutions. According to crop production between Slovakia and Latvia outlines some similarities, the situation was reversed and crops production for most commodities has fallen, particularly in case of cereals, but some separate crops have the various tend. For example in Slovakia case crop production rise of legumes and sugar beet, parallel in Latvia case crop production increase rapidly of buckwheat and rape. In consequence it draws differences in crop production priorities which depends from a large number of different circumstances between two described countries.
Cytowanie	Nagmy H., Rovny P., Zuravlovs A. (2012) Assessment of the Slovak and Latvian Agriculture from the Point of Plant Production.Zeszyty Naukowe SGGW, Polityki Europejskie, Finanse i Marketing [t.], nr 7(56): 109-119
Pełny tekst	PEFIM_2012_n56_s109.pdf
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DOI	10.22630/PEFIM.2012.7.56.12

Autor	Jana Prevužňáková, Peter Serenčéš, Marián Tóth,
Tytuł	Impact of Direct Payment Reform of CAP 2014–2020 on the Economy of Agricultural Enterprises in Slovakia
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Abstract	New Common Agricultural Policy (CAP) in 2014-2020 introduces the changes in direct payments. Progressive reduction and capping of the payment will have impact mainly on big enterprises managing large land area. This is a reality in the Czech Republic and Slovakia. The paper is devoted to quantify and model the impact of forthcoming changes on the management of farms in Slovakia. As the results in chosen enterprises in Slovakia proved, these changes have a negative effect on the enterprises which are mainly the large ones with the low sales as well as the small salaries paid per hectare in comparison with the rest of the companies in Slovakia. In sense of effectiveness and rural development we do consider planned changes in direct payments as rational.
Cytowanie	Prevužňáková J., Serenčéš P., Tóth M. (2012) Impact of Direct Payment Reform of CAP 2014–2020 on the Economy of Agricultural Enterprises in Slovakia.Zeszyty Naukowe SGGW, Polityki Europejskie, Finanse i Marketing [t.], nr 7(56): 120-126
Pełny tekst	PEFIM_2012_n56_s120.pdf
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DOI	10.22630/PEFIM.2012.7.56.13

Autor	Zdenka Šrámekova, Lucia Vilhanová,
Tytuł	E-shop – the Innovative Way of Sale and Communication
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Abstract	Currently, e-shop is very common form of retail sale. Today's consumer is very demanding and increasingly prefers shopping from the comfort of his home. Therefore, individual businesses are trying to meet this trend and in addition to traditional forms of marketing they are also offering online purchasing options. However, e-shop offers a personal approach to dealing with customers and allows building long-term relationship.
Cytowanie	Šrámekova Z., Vilhanová L. (2012) E-shop – the Innovative Way of Sale and Communication.Zeszyty Naukowe SGGW, Polityki Europejskie, Finanse i Marketing [t.], nr 7(56): 127-132
Pełny tekst	PEFIM_2012_n56_s127.pdf
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DOI	10.22630/PEFIM.2012.7.56.14

Autor	Dariusz Strzębicki,
Tytuł	Metody zbierania danych o użytkownikach w procesie budowy komercyjnych stron WWW
Title	Methods of Collecting User Data in the Process of Building Commercial Website
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Abstrakt	W opracowaniu dokonano identyfikacji i porównania najbardziej popularnych metod stosowanych przez agencje badań specjalizujące się w badaniach potencjalnych użytkowników komercyjnych stron internetowych. Autor zidentyfikował popularne metody zbierania danych o potencjalnych użytkownikach komercyjnych stron WWWW przy użyciu metody analizy treści dziesięciu losowo wybranych z Internetu ofert firm badawczych z całego świata. Badanie pokazało, że najczęstszymi technikami badawczymi były: sortowanie kart, ankieta online, test użyteczności, obserwacja, wywiad zogniskowany oraz wywiad pogłębiony. Według subiektywnej oceny autora wymienione metody różnią się między sobą pod względem takich cech jak: rodzaj badania, etap budowy firmowej strony WWW, cel metody, korzyści osiągane dzięki zastosowaniu metody
Abstract	The paper discusses different research methods that can be used in order to collect data on potential users when planning and building a company Website. According to the research firms offers analyzed by the author, the methods that are popular in the data collecting are such techniques as: card sorting, online survey, observation, usability testing, focus group interview and individual interview. The presented methods are different as regards such criteria as: research type, stage of Website building, method goal, and advantages of the method.
Cytowanie	Strzębicki D. (2012) Metody zbierania danych o użytkownikach w procesie budowy komercyjnych stron WWW.Zeszyty Naukowe SGGW, Polityki Europejskie, Finanse i Marketing [t.], nr 7(56): 133-138
Pełny tekst	PEFIM_2012_n56_s133.pdf
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DOI	10.22630/PEFIM.2012.7.56.15

Autor	Zuzana Čierna, Tomáš Rábek, Marián Tóth,
Tytuł	Impact of CAP on the Cash-Flow Components in Slovak Agriculture
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Abstract	The primary goal of the paper is to state the development of cash-flow in Slovak agriculture. The observed period covers 11 years, which offers the opportunity to analyze three separate periods: the pre-accession period 2000-2003, the old CAP from 2004-2006 and the current CAP 2007-2010. The data for individual companies - corporations - were obtained from The Research Institute of Agricultural and Food Economics (RIAFE) for the period 2000 – 2010. The research has shown that entering EU and adopting Common agricultural policy had a positive impact on the cash flow from operating activities. We also did identify lower investments (CF from investing activities) since 2009. One of the reasons for that can be the impact of the financial and economic crisis. The impact on net cash flow was a higher volatility.
Cytowanie	Čierna Z., Rábek T., Tóth M. (2012) Impact of CAP on the Cash-Flow Components in Slovak Agriculture.Zeszyty Naukowe SGGW, Polityki Europejskie, Finanse i Marketing [t.], nr 7(56): 139-145
Pełny tekst	PEFIM_2012_n56_s139.pdf
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DOI	10.22630/PEFIM.2012.7.56.16

Autor	Paweł Wyrzykowski,
Tytuł	Ryzyko kredytowe i sposoby jego zabezpieczenia w przypadku kredytów mieszkaniowych (na przykładzie Banku X w latach 2008–2011)
Title	The Credit Risk and the Methods of Collateral for Housing Loan (On the Example of Bank X in the Period of 2008–2011)
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Abstrakt	Celem artykułu jest identyfikacja i systematyzacja elementów wpływających na ryzyko występujące przy udzielaniu kredytów zabezpieczonych hipotecznie oraz podkreślenie hipoteki jako szczególnego rodzaju zabezpieczenia. Celem części praktycznej opracowania jest ukazanie profilu portfela klientów posiadających produkty hipoteczne w Banku X oraz zachodzących w nim zmian, które miały na celu ograniczenie ryzyka związanego z tymi transakcjami.
Abstract	The subject of this paper is the assessment and systematization the risk and methods of its protection for housing loan. The elements that are affecting the risk associated with the granting mortgage loans were identified and systematized. Furthermore, the reader will find possible methods of assessment of this risk with emphasis on the mechanism of mortgage as collateral. The practical part contains the profile of portfolio of clients having mortgage products of Bank X with the occurring changes in it that were intended to minimize the risk associated with these transactions.
Cytowanie	Wyrzykowski P. (2012) Ryzyko kredytowe i sposoby jego zabezpieczenia w przypadku kredytów mieszkaniowych (na przykładzie Banku X w latach 2008–2011).Zeszyty Naukowe SGGW, Polityki Europejskie, Finanse i Marketing [t.], nr 7(56): 146-164
Pełny tekst	PEFIM_2012_n56_s146.pdf
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DOI	10.22630/PEFIM.2012.7.56.17