This document is a seminar paper about the mineral wealth of Africa. It discusses Africa's rich natural resources. Some of the key minerals found in Africa include gold, diamonds, platinum, uranium, and oil. Countries with significant mineral deposits include South Africa, Democratic Republic of Congo, Botswana, Zimbabwe, and Nigeria. Africa has large reserves of minerals that are important for economic development and modern technology if properly managed.
This document describes several websites that provide free seminar papers, diploma papers, and materials to help with matura exams. The websites contain works from all fields as well as PowerPoint presentations and other educational materials. Users can find seminar papers, diploma papers, matura papers, and supporting literature on the sites. The sites allow viewing of the content and first three pages of each paper so users can select materials that fully meet their needs. Papers from the databases can be downloaded and customized to create unique works. Users can also order custom papers if none are found matching their requirements.
This document is a seminar paper written by Ermin Spahić at the University of Zenica Faculty of Law Department of History of State and Law. The paper was written in November 2009 under the mentorship of Doc. Dr. Dževad Drino on the topic of slavery. The document also contains advertisements for free seminar papers, diploma works, and other educational materials available on various websites related to student papers and projects.
This document is a seminar paper about the mineral wealth of Africa. It discusses Africa's rich natural resources. Some of the key minerals found in Africa include gold, diamonds, platinum, uranium, and oil. Countries with significant mineral deposits include South Africa, Democratic Republic of Congo, Botswana, Zimbabwe, and Nigeria. Africa has large reserves of minerals that are important for economic development and modern technology if properly managed.
This document describes several websites that provide free seminar papers, diploma papers, and materials to help with matura exams. The websites contain works from all fields as well as PowerPoint presentations and other educational materials. Users can find seminar papers, diploma papers, matura papers, and supporting literature on the sites. The sites allow viewing of the content and first three pages of each paper so users can select materials that fully meet their needs. Papers from the databases can be downloaded and customized to create unique works. Users can also order custom papers if none are found matching their requirements.
This document is a seminar paper written by Ermin Spahić at the University of Zenica Faculty of Law Department of History of State and Law. The paper was written in November 2009 under the mentorship of Doc. Dr. Dževad Drino on the topic of slavery. The document also contains advertisements for free seminar papers, diploma works, and other educational materials available on various websites related to student papers and projects.
This document advertises free seminar papers, diploma papers, and matriculation texts as well as PowerPoint presentations and other educational materials on various topics. It lists several websites that contain these materials and notes that the sites allow users to view the content of papers and their first three pages to select materials that fully meet their needs. The document encourages finding existing papers in the database to create a unique work and also offers custom paper writing if users cannot find a suitable existing paper.
This document is an advertisement for websites that provide free seminar papers, diploma works, and matriculation papers written on various topics in Serbian. It lists several website URLs where students can find and download educational materials like completed papers and PowerPoint presentations. The websites contain seminar, diploma and matriculation papers from all fields that students can use to help create their own unique work. If a suitable pre-written paper is not found in the database, students can also order a custom text on the websites.
The document provides information about Robinson Crusoe, a novel by Daniel Defoe. It discusses the main character Robinson Crusoe, who is shipwrecked on a remote tropical island somewhere in the Caribbean Sea, where he encounters natives, captives, and mutineers, before being rescued after 28 years on the island. The summary also notes that the story has been adapted to various media, including films, television, comics, and video games.
This document advertises free seminar papers, diploma papers, and matriculation texts as well as PowerPoint presentations and other educational materials on various topics. It lists several websites that contain these materials and notes that the sites allow users to view the content of papers and their first three pages to select materials that fully meet their needs. The document encourages finding existing papers in the database to create a unique work and also offers custom paper writing if users cannot find a suitable existing paper.
This document is an advertisement for websites that provide free seminar papers, diploma works, and matriculation papers written on various topics in Serbian. It lists several website URLs where students can find and download educational materials like completed papers and PowerPoint presentations. The websites contain seminar, diploma and matriculation papers from all fields that students can use to help create their own unique work. If a suitable pre-written paper is not found in the database, students can also order a custom text on the websites.
The document provides information about Robinson Crusoe, a novel by Daniel Defoe. It discusses the main character Robinson Crusoe, who is shipwrecked on a remote tropical island somewhere in the Caribbean Sea, where he encounters natives, captives, and mutineers, before being rescued after 28 years on the island. The summary also notes that the story has been adapted to various media, including films, television, comics, and video games.
1. R I Z I K
P O J A M R I Z I K A
E L E M E N T I R I Z I K A
- mogućnost događaja
- ekonomska štetnost događaja
- neizvesnost događaja
- nezavisnost događaja od volje osiguranika,ili drugog zainteresovanog lica
- rasporedenost- “ razbacanost ” ( dispersija ) događaja u prostornom i vremenskom pogledu
- dostupnost događaja statističkoj evidenciji
Šta određuje vrednost rizika
Prvo, suma osiguranja- u osiguranjima imovine, odnosno osigurana suma - osiguranjima lica;
Drugo, trajanje osiguranja;
Treće, stepen verovatnoće u pogledu nastupanja ekonomski štetnog događaja, i
Četvrto, verovatni stepen jačine štete
P R E M I J A
POJAM I ELEMENTI PREMIJE
PREMIJA JE BITAN ELEMENAT POJMA OSIGURANJA
PREMIJA - CENA RIZIKA
KAKO SE UTVRĐUJE NETO PREMIJA?
Postoje dve vrste premije:
NETO - PREMIJA I BRUTO - PREMIJA
ŠTA ODREĐUJE NETO - PREMIJU ?
Neto premija je u osnovi zavisna od rizika
PREMIJU ODREĐUJE STEPEN VEROVATNOĆE
PREMIJU ODREĐUJE I PROSEČNI INTENZITET RIZIKA
Nema rizika - nema premije !
Menja se rizik - menja se premija !
PLAĆANJE PREMIJE Premija se plaća unapred
OSIGURAVAJUĆI SLUČAJ
- dešavanje osiguravajućeg slučaja
- konstatacije osiguravajućeg slučaja
- vrste osiguravajućeg slučaja
- uzrok osiguravajućeg slučaja
- naknada iz osiguranja
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2. OBLIK NAKNADE
Isplata novčanog iznosa
Reparacija u prirodi
OBIM NAKNADE
- iznos naknade u osiguranju lica
- iznos naknade u imovinskom osiguranjima
- suma osiguranja
- vrednost osigurane stvari
- stvarna šteta određuje iznos naknade
- od sume osiguranja zavisi iznos nadoknade
- nadosiguranje a šteta je totalna
- podosiguranje a šteta je totalna
- proporcionalno pravilo
- osiguranje na prvi rizik
U rimsko doba bila je poznata ustanova “ foenus nautikum”.
Tu je pojedinac davao garanciju pojedincu.
ŠEMATSKI PRIKAZ FORMIRANJA I PODELE PREMIJE OSIGURANJA
ELEMENTI TEHNIČKE ORGANIZACIJE
ZADACI TEHNIČKE ORGANIZACIJE
UZAJAMNOST
STATISTIKA
ZAKON VELIKIH BROJEVA
RAČUN VEROVATNOĆE
PRINCIPI ZA UTVRĐIVANJE STATISTIKE
TABELE I TABLICE
Tabele klasiranja odnose se na rizike kojima je ugrožena imovina
Tabele gorivosti
Tablice pokazuju verovatnoću kod rizika kojima su izloženi ljudi
Tabele klasiranja postoje za:
– požar
– krađu
– tuču
– uginuće stoke
– lom mašina
Tablice za:
– mortalitet
– smrtnost
– invaliditet
– onesposobljenje
– morbiditet
– oboljenje
TABLICE SMRTONOSTI
Tablice smrtnosti zasniva se na zakonu smrtnosti
NAČIN KORIŠĆENJA STATISTIKE U OSIGURANJU
ODSTUPANJA OD STATISTIKE I SREDSTVA ZA NJIHOVO NEUTRALISANJE
R E Z E R V E
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3. • kompenzacija u vremenu
Besplatni Seminarski, Diplomski, Maturski Tekstovi i Pomoćna
Literatura.
RADOVI IZ SVIH OBLASTI, POWERPOINT PREZENTACIJE I DRUGI
EDUKATIVNI MATERIJALI.
www.diplomski-radovi.com
www.seminarskirad.org
www.magistarski.com
www.maturskiradovi.net
www.maturski.net
www.seminarskirad.info
www.maturski.org
www.essaysx.com
NA NAŠIM SAJTOVIMA MOŽETE PRONAĆI SVE, BILO DA JE TO SEMINARSKI, DIPLOMSKI ILI
MATURSKI TEKST, POWERPOINT PREZENTACIJA I DRUGI EDUKATIVNI MATERIJAL.
ZA RAZLIKU OD OSTALIH MI VAM PRUŽAMO DA POGLEDATE SVAKI RAD, NJEGOV SADRŽAJ I
PRVE TRI STRANE TAKO DA MOŽETE TAČNO DA ODABERETE ONO ŠTO VAM U POTPUNOSTI
ODGOVARA. U BAZI SE NALAZE SEMINARSKI, DIPLOMSKI I MATURSKI TEKSTOVI KOJE
MOŽETE SKINUTI I UZ NJIHOVU POMOĆ NAPRAVITI JEDINSTVEN I UNIKATAN RAD. AKO U BAZI
NE NAĐETE RAD KOJI VAM JE POTREBAN, U SVAKOM MOMENTU MOŽETE NARUČITI TEKST NA
LINKU POMOĆ PRI IZRADI TEKSTOVA I POMOĆNE LITERATURE.
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