This paper aims to highlight the importance of defining the dimensions of service quality and their impact on the satisfaction and loyalty of users of banking services in the banking sector of the Republic of Croatia. The study focuses on service quality parameters and customer satisfaction. The paper aims to examine discrepancies between expected and perceived attributes of banking services (Servqual model) on a sample of 130 respondents from the Republic of Croatia. Special objectives include examining the differences in the expression of scores on the dimensions of the expected and observed ABS scales in relation to the socio-demographic variables in the research (gender, age, professional education…etc). Based on the empirical study, it can be concluded that all service quality parameters play a vital role in customer satisfaction. The research results indicate that all five key dimensions of Servqual – tangibility, reliability, accountability, security, and empathy, are significantly and positively related to the overall Servqual perceived by users.

Understanding elliptic curves contributed to solving mathematical problems in number theory that had been unsolved for centuries. Elliptic curves were also used in solving one of the millennial problems, which is Fermat's last theorem. They are also connected with many hypotheses and problems in mathematics that have yet to be solved. Elliptic curves defined over finite fields are widely used in public key cryptography, since they have proven to be groups that have the best properties for implementing the Diffie-Hellman protocol. This article provides an overview of the theoretical assumptions that are necessary for the development of cryptographic algorithms based on elliptic curve cryptography, which includes defining elliptic curves, defining the properties of arithmetic operations on elliptic curves used in cryptography with reference to curves defined over finite fields.

This paper presents the binary symmetric channel as a common model of the communication channel used in theory of coding and theory of information. Since there is no noise in the channel, the data transmission delay is very small, which is why data can be transmitted quickly and in real time, without many errors, which greatly determines its practical application. Therefore, the theoretical basis of the functioning of the channel itself and its practical advantages will be presented in the text. The concept of binary coding will also be explained with the use of block codes that create the possibility of correcting eventual errors, as well as the application of a binary symmetric channel in improving signal interference when using a wireless network.

The laws in Bosnia and Herzegovina that partially regulate the subject areas are outdated, long since overcome and almost completely non-functional, which effectively prevents the introduction of new technologies, which are becoming more and more convergent day by day with the development of digital services that are based on various types of electronic communication infrastructure. This type of legislation in Bosnia and Herzegovina discourages investors from investing in the development of communication infrastructure, which ultimately leads to limited service or lowquality service for the citizens of Bosnia and Herzegovina. High-quality and modern regulation of the field of electronic communications is achieved first of all so that all legislative levels in Bosnia and Herzegovina, in accordance with their constitutional competences, pass complex and detailed laws that will regulate the field of electronic communications, following the example of the legislative achievements of the European Union in this areas. Bearing in mind the past experiences in Bosnia and Herzegovina, probably a more functional way is for all legislative levels in Bosnia and Herzegovina, in accordance with their constitutional competences, to pass laws that will regulate the field of electronic communications in such a way as to prescribe the basic principles and basic frameworks of regulation this area, again following the example of the legislative achievements of the European Union in this area.

The word rehabilitation is of Latin origin (sanacio) and means treatment, from the point of view of the economy of the company, rehabilitation means economic and technical-organizational measures that should contribute to the recovery of the company, in the sense of making it liquid and profitable again. A company is considered sick if, in the long run, it is unable to meet its obligations and operates at a loss. The causes of the disease can be external and internal. Financial difficulties, manifested in illiquidity and unprofitability, cause the need for rehabilitation. Initiation of remediation presupposes remediation eligibility, which exists if permanent recovery of the company is possible. Determining the suitability of rehabilitation involves examination and selection of measures, the implementation of which ensures the permanent recovery of the company, in the sense of re-establishing the financial balance and returning to the profit zone.

This paper explores the food industry business market as an example, highlighting the key role of market research in successful economic recovery. Through this example, market research becomes a fundamental framework for identifying the changes that a company needs to implement in its operations in order to become more competitive. The example will show the market research of companies from the food industry. There is no successful economic rehabilitation without market research. This example can serve as a framework for market research, which provides answers to the question of what the company needs to change in its business in order to be more successful than the competition. The research results have significant implications for managers, experts and political decision-makers, providing them with information necessary for effective management of financial crises and ensuring the stability of companies, as well as a faster understanding of the competitive business environment.

The extent to which changes in the education system are driven by external economic and social systems and internal
factors of the education system is an open question that has yet to be answered after detailed analysis and research. Job satisfaction at school can influence the formation of positive attitudes, and cannot be excluded from the examination of individual attitudes about changes in the organization. Identification with the school represents a particularly significant form of positive attitudes of employees at the school, it has positive personal consequences in terms of better professional advancement, and therefore better performance of work. The research sample has elements of a multi-stage opportunity with elements of random selection, because a survey was conducted of teachers in the schools on Republika of Srpska, who were present at the sessions of the teaching-departmental council (n=400) at the time of the survey. The obtained data (analysis of responses on the scale of general and specific attitudes about changes and factor analysis) show that although teachers manifest a positive general attitude about changes in education, it should be noted that certain aspects of changes are latently perceived as negative. The general attitude about changes in education is statistically significantly positively related to identification with the school (r=.477, p<.001) and with job satisfaction at the school (r=.225, p<.001). Also, the results showed statistically significant differences in some special attitudes about changes in education with regard to the degree of identification with the school (perception of the outcome of changes in education χ²=16.869, df=2, p=.000 and readiness for additional education, χ²= 6.146, df=2, p=.046), while there are no such differences when it comes to being informed about changes and willingness to engage in changes. Furthermore, the results showed statistically significant differences in some special attitudes about changes in education with regard to job satisfaction at school (perception of the outcome of changes, χ²=32.081, df = 2, r=.000, awareness of changes χ²=14.259, df =2, r=.001 and readiness for additional education in order to improve one's own competencies χ²=8.621, df=2, p=.013). Desirable changes in this area Stanar, S. (2023). Analiza relacija između stavova nastavnika o promjenama u obrazovanju,
identifikacije sa školom i zadovoljstva poslom u školi. STED Journal, 5(2), 1-19. STED Journal 5(2). November 2023. Journal homepage: https://stedj-univerzitetpim.com/en/homepage/ 19 need to be focused both on changes in the
individual and on changes in society as a whole. From the aspect of changes in the individual itself, it is not so much a problem to establish what it is that moves some individuals and hinders others in the process of change, as much as it is a problem find a way to use the obtained data in a practical sense: what, how and why to change.

In order to efficiently manage air quality at the location of Banja Luka city, a functional system for monitoring and controlling the degree of air pollution, that is to say air quality monitoring, has been established. Air quality monitoring is performed by the Mobile Ecological Laboratory (MEL) at three locations in the settlements of Paprikovac, Borik and the City Centre. The objectives of air quality monitoring can be divided into two groups: the first group consists of the objectives of the monitoring program for a medium-industrialised city with an existing or potential problem of air pollution. The second group consists of special air quality monitoring objectives, whose nature is such that their implementation is a matter of free choice, and usually more complex solutions are required. The basic air quality monitoring program should provide the essential data needed to develop air quality standards and enable the development of an acceptable air quality protection program. The goal of the basic air quality monitoring program is: to monitor long-term trends in air pollution in order to determine the degree of improvement or deterioration of air quality in urban and industrial environments. Measurements are usually performed at multiple measurement sites by collecting and analysing a 24-hour sample. Measurement data for at least five consecutive years are required to determine air pollution trends. Air quality is assessed based on the obtained data and on the basis of comparison with standards. In accordance with the above, this paper presents the air quality through the values of the following pollutants: SO₂, O₃, CO, NO₂, PM₁₀ and Soot. The air quality of Banja Luka (from the aspect of the presence of sulphur dioxide and soot) was analysed, before and after the war, based on the available literature.

One of the indicators or characteristics of the regional autonomy successful is the creation of regional independence. Those efforts can be executed through the Village-Owned Enterprises (BUMDes). The purpose of this study is to describe alternative strategies for local economic development in Payakabung Village, North Indralaya Sub-District, Ogan Ilir District by applying SWOT analysis. This study is a descriptive quality research. The research site was conducted in Payakabung Village, North Indralaya Sub-District, Ogan Ilir District of South Sumatra. The focus of this research is based on the strategy management process, with SWOT analysis. The results of SWOT analysis that have been carried out as the basis for the formulation of alternative strategies include as follows; Capital optimization to increase activities operationalization, partnership necessity together with private company in the processing of agricultural land, the existence of training and incentives by using CSR funds, Marketing products by involving the private sector as one of the promotional agents, the Village Fund which becomes the capital activities can be used for research on improving the quality of BUMDes products, Product marketing using online-based media to expand the target market.

The way to clarify the concept of society role in local government affairs by implementing collaborative governance. Hartley, et al., had created the term ‘collaborative governance’ to highlight multi-stakeholder engagement across organizations as viable alternatives or additions to coordination with market competition and hierarchical solutions (Hartley, Sørensen, & Torfing, 2013). This research aims to analyze and describe Collaborative Governance in Increasing Tourism in the New Normal Era during Covid 19 Pandemic in Indonesia. The results show that in response to the Covid-19 Pandemic, the World Tourism Organization (UNWTO) in 2020 has revised the growth prospects of international tourists negative from 1% to 3%, while in Asia and Pacific will be the worst affected regions, with an expected drop in arrivals of between 9% and 12%. The tourist visits to Indonesia are slowly decreasing. Cumulatively from January to March in 2020, the number of tourists who came only reached 2.61 million people or dropped drastically by 30.62 percent; compared to the same period in the last year, 3.76 million people. When compared to February, the number of tourist arrivals decreased by 45.50 percent; While when compared to the same period last year the decline was recorded even more drastically, which is 64.11 percent. The decrease from the tourism sector is predicted to reach IDR. 60 trillion Rupiah. The Central Government through the Ministry of Tourism and Creative Economy, and supported by the Government at the Provincial/Regency/City level through the Tourism Office and tourism business entrepreneurs in the region is trying to prepare destinations in accordance with the “new normal” conditions post-Covid-19 in accordance with the principles of hygiene and excellent sanitization, as well as creating tourism destinations that are encouraged to continue in improving and increasingly aggressive in applying the principles of sustainable tourism development (resilience, sustainable, and responsible).

The main focus of disaster management is currently on disaster risk reduction activities. Mount Merapi in Indonesia is one of the most active volcanoes in the world with a four-year eruption cycle. The local government of the Sleman Regency has made several efforts to reduce the risk of impacts from the eruption of Mount Merapi. These efforts involve various elements in society. The purpose of this research is to identify the efforts made by the Sleman Regency Government in reducing the risk of the eruption of Mount Merapi and the factors that influence it. This research uses descriptive qualitative research methods with informants coming from the government, volunteers and the community. The findings of this study are the activity of risk reduction of eruption Merapi Mount in Sleman consists of physical and non-physical mitigation. Physical mitigation includes the construction of the Merapi Sabodam, construction of the Early Warning System, determination of evacuation routes and construction of refugee shelters. Non-physical mitigation includes the preparation of a contingency plan for the eruption of Mount Merapi, the formation of Destana (Disaster Resilient Village), the sister village and sister school program, the establishment of a disaster safe education unit, the establishment of the Operational Unit and the Implementing Unit for disaster management. The program is run by the government along with non-state actors to be affected by the starting conditions of each party, ability to combine the resources owned by each party, to shared information and commitment to a common purpose.