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Autor	Bożena Sowa
Tytuł	Sposoby ograniczania indywidualnego ryzyka bankowego – analiza wybranych aspektów
Title	Forms of Individual Banking Risk Reduction – Analysis of Selected Aspects
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Abstract	Commercial banks, the activity of which is based on economic criteria, are an important element of a financial system. Functioning of these entities as institutions of public trust, is associated with the occurrence of different risk forms, among which credit risk considered as one of the major threats for current and future bank’s activity, is primary. Despite of continuous changes present within banking sector, consisting in improving the techniques and methods of risk recognition and evaluation, there is a need to distinguish the manners for reducing the individual banking risk. It cannot be eliminated, but only influenced on its level due to efficient policies being a reflection of the solutions applied. Therefore, the aim of the present paper is to analyze the ways of reducing the individual banking risk (taking into considerations the credit risk) and to recognize all factors having some impact on its level.
Cytowanie	Sowa B. (2012) Sposoby ograniczania indywidualnego ryzyka bankowego – analiza wybranych aspektów.Zeszyty Naukowe SGGW - Ekonomika i Organizacja Gospodarki Żywnościowej, nr 96: 209-219
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Pełny tekst	EIOGZ_2012_n96_s209.pdf

Autor	Bożena Sowa
Tytuł	Analiza struktury budżetu jednostek samorządu terytorialnego ze szczególnym uwzględnieniem dochodów własnych na przykładzie gminy Biłgoraj
Title	An analysis of the local self-government budget structure with the particular emphasis on own income (for instance of Biłgoraj community)
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Abstract	The local self-government unit’ s budget is an annual plan of incomes and expenses as well as revenues and expenditures of this unit. It is passed in the form of a budget resolution on a budget year, and provides the basis of the financial management. The budget incomes of the local self-government are public founds irreclaimable levying from a business entity and a natural person by the self-government unit, as well as the founds received form the State Budget i.e. subsidies and grants, which may be earmarked as the public expenses and expenditures. The purpose of this article is to analyze the structure and the growth of Biłgoraj community’s own revenues for years 2006–2008, with the particular emphasis on the revenues from the local taxes and charges.
Cytowanie	Sowa B. (2010) Analiza struktury budżetu jednostek samorządu terytorialnego ze szczególnym uwzględnieniem dochodów własnych na przykładzie gminy Biłgoraj.Zeszyty Naukowe SGGW - Ekonomika i Organizacja Gospodarki Żywnościowej, nr 81: 147-156
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Pełny tekst	EIOGZ_2010_n81_s147.pdf