2024, Volume 17, Issue 4
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RekordIntention of micro and small industry entrepreneurs toward using food delivery applications (case study in South Jakarta) / Intencje mikro i małych przedsiębiorców w zakresie korzystania z aplikacji do dostarczania żywności (studium przypadku w południowej Jakarcie)(Akademia Bialska im. Jana Pawła II, 2025-01-30)Subject and purpose of work: This study aims to analyze the relationship between the variables of security, information quality, ease of use perceived usefulness, and perceived trust toward intention to use online food delivery applications. The study involved 218 micro and small industry entrepreneurs in the culinary field. Materials and methods: Researchers used SEM-PLS (Partial Least Square) as a technique used to analyze measurements and structural models. Results: This study shows that the variables of security, ease of use, and perceived usefulness have a significant positive effect on intention to use food delivery applications. Conclusions: Theoretical and practical implications, researchers need to test the variable of interest in using other variables and food delivery application providers need to pay attention to the behavior and characteristics of micro and small industry entrepreneurs to apply for food delivery applications in improving their business.
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RekordRationality in the management of personal finances of students in Poland in 2022-2023 / Racjonalność w zarządzaniu finansami osobistymi studentów w Polsce w latach 2022-2023(Akademia Bialska im. Jana Pawła II, 2025-01-30)Subject and purpose of work: The objective of this study is to examine the impact of economic conditions on the management of students' personal finances and to identify the prevailing approaches to managing students' personal finances in the 2022-2023. The research problem of this study is to determine the difference in the structure of personal finances and approaches to managing personal finances between students in general and a group of selected students at the John Paul II University in Biała Podlaska in 2022-2023. Materials and methods: The research methods employed in this study include the observational method, the monographic method, the diagnostic survey method, the method of analysis and criticism of the literature, the method of analysis and logical construction, and the heuristic method. A comparison has been made between the budgets of the sample population and those of students in general for the period 2022-2023, with an investigation of the reasons for differential income. Results: The results of the analysis and research indicate that the sample population of students is distinguished by a relatively lower level of average income, expenses, and savings compared to the general student group and per capita households. Income, expenses and savings of the student population are significantly influenced by the level of development of the locality of their permanent residence in terms of access to recreational, entertainment, and cultural services, as well as the structure of the labor market and financial dependence on the household budget. Conclusions: The majority of students in the sample population are financially dependent on their respective households, with the funds they receive from these households being spent almost entirely. The expenditures of the sample population are, on average, lower than those of students in general. This is due to two factors: the cheaper standard of living and the lower income level of the sample population's households.
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RekordDevelopment of tourism in the Białowieża Forest in 2020-2023 / Rozwój ruchu turystycznego na obszarze Puszczy Białowieskiej w latach 2020-2023(Akademia Bialska im. Jana Pawła II, 2025-01-30)Subject and purpose of work: The aim of the research undertaken was to present the development of tourism in the Białowieża Forest in the years 2020-2023. This was also the period of the COVID-19 pandemic. The subject of the research were facilities and institutions operating in the Białowieża Forest. Materials and methods: The research was presented based on the most attractive places and the frequency of their visits by tourists. The research used the following methods: direct in-depth interview, analysis of specialist literature, inductive and deductive. Results: Tourist traffic in the Białowieża Forest was different in individual years, and during the pandemic it decreased significantly, despite the presence of various advantages in this area. In the years 2020-2023, the largest number of tourists visited the European Bison Show Reserve. The fewest visited the Tourism and Promotion Center "Bison Land". Comparing the years studied, it should be noted that the lowest tourist traffic was recorded in 2021-2022. Conclusions: Despite the pandemic and the influx of refugees, tourist traffic took place, but for it to be more intensive, the number of anthropogenic attractions should be increased. This would "attract" domestic and foreign tourists even more.
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RekordEffectiveness of bankruptcy proceedings conducted via the National Register of Debtors portal in relation to households / Efektywność postępowań upadłościowych prowadzonych za pośrednictwem platformy Krajowy Rejestr Zadłużonych w stosunku do gospodarstw domowych(Akademia Bialska im. Jana Pawła II, 2025-01-30)Subject and purpose of work: The aim of this article is to describe the effectiveness of consumer bankruptcy proceedings conducted remotely via the National Register of Debtors. The digitization of bankruptcy procedures should allow debtors to declare bankruptcy faster and more efficiently and lead to an effective reduction in the number of insolvent consumers and the scale of indebtedness; however, the number of insolvent consumers is still high. Materials and methods: In that article, analysis is based on critical analysis of the literature, scientific analysis of data on bankruptcy proceedings, the number of over-indebted consumers, the value of their debt, and the relation of consumer debt to GDP and shaping of "grey zone". Results: Digitization of bankruptcy proceedings has increased the effectiveness of this procedure because the vast majority of applicants are able to declare bankruptcy, and the duration of the proceedings has also been shortened, but almost 2.7 million people remain insolvent, and the value of consumer debt has been constantly increasing. Conclusions: Online bankruptcy procedures are not able to effectively reduce the phenomenon of household insolvency, which is one of the most important socio-economic challenges. Technological solutions have brought the expected results, but the bankruptcy procedure, despite its numerous liberalizations in recent years, did not reduce the number of over-indebted people and the value of their debt.
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RekordOutreach of the National Rural Livelihoods Mission through social and financial inclusion: progress since its inception / Zasięg National Rural Livelihoods Mission poprzez integrację społeczną i finansową: postęp od momentu powstania(Akademia Bialska im. Jana Pawła II, 2025-01-30)Subject and purpose of work: The document is prepared with the objective of examining the outreach of the National Rural Livelihoods Mission through social and financial inclusion of women. Materials and methods: The study is based primarily on secondary data to measure the inclusion of women in the National Rural Livelihoods Mission. Here, the inclusion criterion involves two major heads such as social inclusion and financial inclusion. Results: The results of the study show that the implementation of the National Rural Livelihoods Mission (NRLM) has a positive impact on the social and financial inclusion of the rural poor. Conclusions: The study shows a tremendous growth in the number of Self-Help Groups (SHGs) formed and provided financial assistance after the implementation of NRLM in India.