Angelova, Biljana
Preferred name
Angelova, Biljana
Official Name
Angelova, Biljana
Main Affiliation
Email
angelova@ek-inst.ukim.edu.mk
10 results
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Item type:Publication, Social transfer expenditures in Republic of Macedonia, South East European countries and EU countries(Economic Development, Journal of the Institute of Economics – Skopje, 2016-06); ; Petkovska Mirchevska, TatjanaSocial transfers and expenditures as a form of social protection are essential for each economy and society to function properly. Social transfers as a form of social protection can vary in dependence of the economic system and development of the country, but initially their purpose is relatively the same. Tackling poverty and enabling efficient social redistribution of the income among the households are one of the main results of the existence of an efficient social protection system. The economies of today are confronted with a serious challenge of tackling the rising poverty and income inequality in the world and one of the means of achieving that is through the social transfer system. In this article a comparison analysis is made between the social transfer expenditures of Republic of Macedonia, South East European countries and EU countries in order to determine the trends and amount of social transfer expenditures in the countries. From the research in this paper it can be seen that Republic of Macedonia has considerably smaller social transfers per capita compared to other countries taken into consideration for the research. More so Republic of Macedonia is the only country form the countries that are part of the comparison analysis that accomplishes negative growth of the social transfer expenditures as a percentage of GDP in the period of year 2001 till year 2014. Knowing the fact that the more equal distribution of assets in a current country can lead to increased consumption, sustainable growth and increases social welfare, Republic of Macedonia can do better if the expenditures for social transfers as a percentage of the GDP are to increase, even on expense on some other public or budget expenditures. - Some of the metrics are blocked by yourconsent settings
Item type:Publication, ENTREPRENEURAL DIMENSION OF THE PUBLIC SECTOR IN THE REPUBLIC OF MACEDONIA(Institute of Economics – Skopje, 2018); ; Krstik Tasheva, VioletaThe public sector has a certain role in the economy of each country, depending on the organization of the country as a society. Its two fundamental functions, reallocation and redistribution reflect its economic and social dimension, which concerns everyone in the country. Change is what provides the possibility for something new and different, it will give new value both in the economic and social sense of the public sector.The public sector has to be open to the introduction of changes, to have cultural values in order to see changes as a possibility, and not as a threat. In the essence of entrepreneurship are creativity and innovations of entrepreneurial behavior. Entrepreneurship is a dynamic process of creating a value of a certain activity, it is based on the same principles in the private sector and in the public sector. The public sector faces problems that are different from the private sector, so other knowledge is needed, “innovation for the public interest” is needed. - Some of the metrics are blocked by yourconsent settings
Item type:Publication, MUNICIPALITIES IN NORTH MACEDONIA IN THE ERA OF DIGITAL ECONOMY(Institute of Economics – Skopje, 2020); - Some of the metrics are blocked by yourconsent settings
Item type:Publication, COVID-19 CORONAVIRUS AS A TRIGGER: TRANSITION TO DIGITAL ECONOMY IN NORTH MACEDONIA(2020-10); The number of organizations attempting to adopt digital technologies and transform themselves has grown rapidly over the past few years. Digital transformation of organizations is becoming one of the critical sources of competitive advantage and competitiveness, but the Covid-19 crisis has highlighted the importance of going digital even for the existence of businesses, organizations and jobs. The objective of this paper is to highlight the necessity of digitization in all segments of the economy of North Macedonia. - Some of the metrics are blocked by yourconsent settings
Item type:Publication, THE RELATIONSHIP BETWEEN ENERGY CONSUMPTION AND GROSS DOMESTIC PRODUCT: POTENTIAL IMPACT OF ENERGY CRISIS ON ECONOMIC GROWTH OF REPUBLIC OF NORTH MACEDONIA(University Ss. Cyril and Methodius in Skopje, 2022-10) - Some of the metrics are blocked by yourconsent settings
Item type:Publication, GREEN FINANCING: OPPORTUNITIES AND CHALLENGES FOR THE BANKING SECTOR IN THE REPUBLIC OF NORTH MACEDONIA(University Ss. Cyril and Methodius in Skopje, 2022-12) - Some of the metrics are blocked by yourconsent settings
Item type:Publication, Climate Finance: Global and National Perspectives in the Context of COVID-19 Pandemic Impact(Institute of Economics – Skopje, Ss. Cyril and Methodius University in Skopje, 2022-03); In this paper we investigated global and national public climate finance. We provide a novel methodology for estimating public climate finance in the government budgets with its application to the case of the City of Skopje. Climate finance globally reached USD 632 bn in 2020 with an annual increase of only 10%, compared to previous years, which grew by about 25%. The achieved level is far from the required USD 4.35 trillion per year to meet climate objectives by 2030. We found that global pandemic of COVID-19 negatively affected the growth of the global climate finance in 2020 and lowered the level of public climate finance in many developing countries. North Macedonia is a small developing country with clear commitment to combating climate change. The Enhanced Nationally Determined Contributions (ENDC) include 63 mitigation policies and measures to reduce GHGs emissions by 51% by 2030, which require EUR 25.03 billion climate investments. Using the methodology for Climate Budget Tagging (CBT), we estimated that the amount of public climate finances of the City of Skopje in 2020 reached USD 6.09 million, which represents as much as 9.07% of the overall budget expenditures for the year, and an increase of 75% from the previous year. - Some of the metrics are blocked by yourconsent settings
Item type:Publication, AI Revolution in Financial Institutions: Impact, Cutting-Edge Applications and a Comprehensive Bibliometric Analysis of Emerging Trends(2024-12); ; Dimovska, MilankaPurpose Financial institutions are rapidly following the applications of artificial intelligence (AI) allowing them to better organize and perform job duties and understand their customers. With the application of AI, employees in financial institutions will not be burdened with the performance of operational activities and will have more time to devote themselves to their professional and personal growth and development. In this way, technology such as AI will not replace people but will be their support. This current topic is the main incentive to delve deeper into the application of AI in financial institutions through bibliometric data visualization and analysis. Many managers have an aversion to using artificial intelligence algorithms in decision-making, despite their superior performance (Mahmud et al., 2023). Banks, as the most important actors for the continuity of the financial system, should conduct evaluation and measurement of branch performance and set goals for them and portfolio managers, which is an important process for decision-making and strategic planning in the banking industry (Met at al., 2023). Poor decision-making in financial institutions is likely to cause financial crises (Weng and Huang, 2021). Аrtificial intelligence and machine learning are helping many managers to focus on key and strategic aspects and spend less time on repetitive tasks, enabling better financial risk management (Mahalakshmi et al., 2022). The artificial intelligence system enables development accompanied by better performance and optimization (Dennis et al., 2023). The gradual application of artificial intelligence in corporate financial risk management results in a decent performance in recalling fraudulent firms (Lin and Gao, 2022). COVID-19 has affected the change of digitalization and technological development of financial institutions (Aziz et al., 2022). Many challenges for financial services have opened up with the transition to digital freedom (Narsimha et al., 2022). Detecting activities related to financial cybercrime is a major problem, as a highly restrictive algorithm can block all suspicious activities that interfere with customers' real business (Nicholls et al., 2021). Customers are increasingly facing many fraudulent attacks and scams in financial banking operations, and cybercriminals have found the opportunity to use financial transactions to carry out their fraudulent activities (Narsimha et al., 2022). A large volume of sensitive customer-related data circulates and accumulates in financial institutions every day (Park et al., 2021). In the financial sector, machine learning algorithms, in addition to being used in fraud detection and providing financial advice to investors, can also examine a large database in a short period (Lei et al., 2022). Design/methodology/approach The data for the bibliometric analysis has been downloaded from the Scopus database. By applying the Prisma protocol, in the first phase-identification, we searched for the terms “financial institutions”, “artificial intelligence” and “AI”. 467 documents were identified during the period 1987-2023. The language of the documents was English. In the second phase-screening, no document was excluded because non-English documents and duplicates were not identified. In the third phase-eligibility, 281 documents were excluded because only the articles were eligible and the total sample in this phase consisted of 186 articles. In the fourth phase-inclusion, we undertook a manual check of the relevance of each article based on an analysis of the abstracts 70 articles were excluded due to their irrelevance and the total sample in this phase consists of 116 articles. Furthermore, the VOSviewer software was employed for authors' co-authorship, organizations' co-authorship, and countries' co-authorship analysis, keyword co-occurrence analysis of the abstracts for the whole period and the last five years and keyword co-occurrence analysis for the last five years for the used methods, models, and software. Findings The number of articles related to AI in financial institutions has been growing in the last three years of the analyzed period. 84% of the articles were published by co-author teams and 16% by a single author. The most cited single author is Mhlanga D. and the journal Expert Systems with Applications takes the first place in terms of the source of published articles and number of citations. From the analysis made with VOSviewer software, it can be concluded that: it does not mean that if some countries are geographically closer, the authors will write papers in co-authorship, USA is in first place both in terms of the number of citations and in terms of the number of published articles, from all the clusters the terms that occur the most for the whole period are learning, implication, tree, statistical method and risk evaluation. According to their occurrences, the terms that appear most concerning methods, models, and software in the last five years of the period are prediction model, correlation, discriminant analysis, statistical technique, classification method, and clustering. Originality/value The analysis of abstracts and citations is of great importance in the exchange of knowledge as well as the monitoring of trends. The obtained results and conclusions can be used for further research both by academics and by all those who have an interest in researching financial institutions and artificial intelligence. - Some of the metrics are blocked by yourconsent settings
Item type:Publication, IMPACT OF COVID-19 ON THE PERFORMANCE OF BANKING SECTOR AND THE SET OF MEASURES UNDERTAKEN IN THE REPUBLIC OF NORTH MACEDONIA(University Ss. Cyril and Methodius in Skopje, 2023-04) - Some of the metrics are blocked by yourconsent settings
Item type:Publication, THE EVOLVING LANDSCAPE OF ESG RATINGS: A CRITICAL EXAMINATION OF THEIR ROLE IN PROMOTING SUSTAINABILITY(University Ss. Cyril and Methodius in Skopje, 2025-05-22); ; ; Angelova, Ivana