Risk in banking business can not be avoided because the latter is strongly embedded in the very nature of it and banks should therefore be aware of the importance of effective risk management, encompassing the identification, measurement and assessment of each type of risk. Risk management can be important source of gaining competitive advantage and a way to survive in the world of banking. One of the most important risk in bank is the credit risk. Credit risk can be defined as the potential that a bank borrower or counterparty will fail to meet its obligations. The goal of credit risk management is to maximise bank´s risk-adjusted rate of return by maintaining credit risk exposure within acceptable parameters. Banks need to manage the credit risk inherent in the entire portfolio as well as the risk in invidual credits of transaction. Banks should also consider the relationships between credit risk and other risks. The effective management of credit risk is a comprehensive component of a comprehensive approach to risk management and essential to the long-term success of bank. Risk management is usualy regulated by bank directives, prescriptions, where the most important in Slovenia is the Law about banking with under law acts.
V današnjem času se soočamo s številnimi varnostnimi grožnjami, med katerimi se pojavljajo tudi naravne nesreče, (ne)nalezljive bolezni ter lakota in žeja. Vpliv na manifestacijo teh groženj je moč posredno ali neposredno pripisati tudi stanju v našem okolju. V Evropi Zahodni Balkan izstopa s slabšim stanjem okolja in z višjo stopnjo okoljske degradacije v primerjavi s preostalimi regijami na kontinentu. V tem magistrskem delu sem preučeval stanje okolja v državah Zahodnega Balkana ter njegovo povezavo z varnostno paradigmo. Pri tem sem uporabil kombinacijo različnih raziskovalnih metod: analiza primarnih in sekundarnih virov, deskriptivna metoda, metoda primerjalne analize ter analiza statističnih podatkov. Prek analize sem ugotovil povezanost med stanjem okolja in varnostnimi grožnjami. Najvišjo stopnjo ogrožanja zaradi stanja okolja sta po indikatorjih imeli BiH in Črna gora, medtem ko sta najnižjo stopnjo ogrožanja zaradi stanja okolja imeli Severna Makedonija in Albanija. Pozitivni del okoljske varnostne paradigme Zahodnega Balkana, v primerjavi s preteklostjo, so zvišanje kakovosti vodnih virov ; gradnja sanitarne, vodne in okolju prijazne energetske infrastrukture, ter izboljšanje pravnih in regulativnih okvirjev za zaščito in varovanje okolja. Kljub napredku se Zahodni Balkan še vedno sooča z nekaterimi okoljskimi izzivi, kot so slabo stanje ozračja, slabo upravljanje z odpadki, ter slaba implementacija okoljskih strategij in pravnih aktov. Države Zahodnega Balkana bodo tako v prihodnosti morale še veliko postoriti za izboljšanje stanja svojega okolja, s čimer bi se znižala ogroženost ljudi, ki na tem prostoru živijo. ; We are currently facing numerous security threats, including natural disasters, diseases, hunger, and thirst. Some of the influence for the manifestation of these threats can be ascribed, either directly or indirectly, to the condition of our environment. In Europe, the region of the Western Balkans stands out as being in one of the worst environmental conditions and having some of the worst levels of environmental degradation, when compared to other regions. In this Master's thesis I studied the condition of the environment in the states of the Western Balkans and its connection with the security paradigm. I utilised the following research methods: primary and secondary source analysis, descriptive method, comparative analysis, and statistical analysis. Through this analysis I established the connection between the condition of the environment and security threats. According to the indicators, the two states with the highest security risk due to environmental conditions were Bosnia and Herzegovina and Montenegro, while the two states which had the lowest risk were North Macedonia and Albania. The positive parts of the environmental security paradigm of the Western Balkans, when compared to the past, are the increase in the quality of water sources, the construction of sanitation and water treatment infrastructure, the construction of environmentally friendly energy infrastructure, and the improvement of legal and regulatory frameworks for the protection of the environment. Despite this progress, the Western Balkans are still facing problems such as poor air quality, inadequate waste management, and poor implementation of environmental strategies and legal acts. The states of the Western Balkans, therefore, still have a long way to go in order to improve the condition of their environment, which would also lower the security threat to the people who live in the region.
Danes živimo zelo hiter tempo življenja pri katerem pozabljamo nase in soljudi. Pozabljamo na potencial, ki ga skriva človek. Človek je najbolj prefinjen mehanizem, ki ga poznamo, vendar upravljanja le tega se še da naučiti. Uporabe se lahko naučimo skozi jogo. Joga je zelo širok pojem, zato smo ji posvetili celotno poglavje, kjer je podrobneje razložena. Tudi človeški viri so zelo kompleksna tematika. Vsi tipi organizacij se srečujejo z vprašanjem vodenja ljudi oziroma organizacije človeških virov. Na tem mestu smo videli priložnost povezave dveh kompleksnih tematik, ki sovpadata, saj se organizacije srečujejo z mnogimi vprašanji za katere joga ponuja rešitev. V nalogi na začetku opredelimo človeške vire, kjer obravnavamo neotipljivi kapital, človeka in znanje. Na to se posvetimo razlagi upravljanja s človeškimi viri, ki zajema načrtovanje, zaposlovanje in razvoj zaposlenih. V poglavju investicija v človeške vire predstavimo človeške vire kot kapital podjetja, medosebne odnose, dobro počutje zaposlenih, trajnostni razvoj in politiko podjetja. Tretje poglavje zajema opis joge, njeno psihologijo in filozofijo. Nadaljujemo z zgodovinsko razlago joge in njenih poti ter jogo pripeljemo vse v današnji čas, kjer prestavimo različice joge danes. Joga nam med drugim nudi pet podanih načel, ki so pravilna sprostitev, pravilni telesni položaji, pravilno dihanje, pravilna prehrana, meditacija in pozitivno razmišljanje. Primere prakse joge pa najdemo tudi v organizacijah, te smo podali, zraven opisa koristi joge v organizaciji. Na koncu smo naredili kvalitativno raziskavo s pomočjo intervjuja ter opisali sodelujoče organizacije pri raziskavi, podali smo izvedbo raziskave, predstavili rezultate, preverili hipoteze in zapisali ugotovitve. Investicija v človeške vire se nam zdi danes nujna za uspešno poslovanje organizacije. Investiranje v človeške vire mnoge organizacije še vedno smatrajo kot strošek, vendar na tam mestu lahko uporabimo rek »kdor ne investira, ne profilira«. Strošek ali investicija, se lahko vprašamo pri marsikaterem izdatku. Pomembno si je postaviti prioritete in se zavedati pomembnosti ljudi znotraj organizacije. V kolikor se zavedamo pomembnosti ljudi v organizaciji, bomo izdatek za človeške vire poimenovali investicija brez premisleka. Investicije so lahko različne, vendar mi priporočamo jogo, saj je tako široka in fleksibilna vsebina, ki se jo da aplicirati v katerokoli organizacijo. ; Today we live a very fast life and at this tempo we often forget ourselves and fellow humans. We are forgetting about the potential that lies within each and every one of us. Our body is the most sophisticated mechanism we know, but it's proper management is yet to be learned. Properly using our body can be learned thru yoga. Yoga is a very broad concept, so we have devoted an entire chapter to this topic, where it is explained in more detail. Human resources are also a very complex topic. All types of organizations face the issue of managing people or organizing human resources. At this point, we have seen the opportunity of linking two complex themes that coincide, as organizations are confronted with many issues for which yoga offers a solution. In the beginning of this research we define human resources, where we deal with an intangible capital, man power and knowledge. The next part is devoted to explananing the management of human resources, which covers the planning, employment and development of employees. In the chapter on investment in human resources, we present human resources as capital of a company, interpersonal relations, employee well-being, sustainable development and company policy. The third chapter covers the description of yoga, its psychology and philosophy. We continue with the historical overview of yoga and its paths, and continue to our present time, where we present different types of yoga used today. Yoga, among other things, offers us five principles, which are proper relaxation, proper bodily positions, proper breathing, proper diet, meditation and positive thinking. Examples of yoga practice can also be found in organizations, which we have outlined, besides describing the benefits of yoga in the organization. In the end, we made a thorough research with the help of an interview and described the participating organizations in the survey. We presented the results and data from our research, examined the hypotheses, and recorded the findings. We believe that investment in human resources is necessary for running a successful organization. Investing in human resources is still considered by many organizations as an expense, but in this case we can say no risk no reward. Cost or investment, is a debate in most of expenses. It is important to set priorities and be aware of the importance of people within the organization. If we are aware of the importance of people in the organization, we will call the expenditure for human resources an investment without consideration. Investments may be different, but we recommend yoga, as it is both a wide and flexible content that can be applied to any organization.
