Academic literature on the topic 'Issuing activity'

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Journal articles on the topic "Issuing activity"

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Tangirov, Azamat. "IMPROVING THE PRACTICE OF ISSUING MORTGAGE LOANS IN COMMERCIAL BANKS." MODERN SCIENCE AND RESEARCH 3, no. 4 (2024): 107–10. https://doi.org/10.5281/zenodo.11119951.

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<em>This article examines the possibilities of improving the practice of issuing mortgage loans in commercial banks of Uzbekistan. The effectiveness of the activity of issuing mortgage loans in the activity of commercial banks has been analyzed, suggestions and recommendations have been made for the development of the activity of issuing mortgage loans.</em>
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Ura, Paulina. "Decision as a legal form of issuing a weapon license for a Police officer." Zeszyty Naukowe Uniwersytetu Rzeszowskiego. Seria Prawnicza. Prawo 31 (2020): 250–59. http://dx.doi.org/10.15584/znurprawo.2020.31.20.

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The legal form of the administration’s operation is the type of specific activity specified by law, which may be used by the administrative body to settle a specific matter. It is equivalent to the concept of legal action under civil law. One form of administration is the issuing of administrative acts, and the most common and typical form of an administrative act is an administrative decision. This legal form is the issuing or refusal of issuing a weapon license to a police officer.
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Barjaktarević, Dragana. "Some questions about issuance of licence for carrying out energy activity." Bastina, no. 51 (2020): 333–43. http://dx.doi.org/10.5937/bastina30-26351.

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Domestic legal entity or entrepreneur, before issuing a licence, cannot begin carrying out an energy activity. A license is a legal act, which gives a certain right to a licence applicant. If an applicant has fulfilled all the conditions prescribed by law, in this case the competent authority shall take a decision which approves the application and issuing the license to carry out an energy activity. Otherwise, the request will be rejected or denied, depending on whether the applicant submitted all the necessary documentation or not. In the first case, upon examination of the documents submitt
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Flis-Świeczkowska, Marta, and Dawid Świeczkowski. "Obtaining and Assessing Evidence From the Hearing of a Minor Victim under the European Investigation Order – Selected Problematic Issues." European Criminal Law Review 14, no. 2 (2024): 213–25. http://dx.doi.org/10.5771/2193-5505-2024-2-213.

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The aim of the article is to present selected issues related to the hearing of a minor victim on the basis of the EIO. Conducting this investigative measure, the requirements of which may be strictly defined in national law and at the same time result from protection standards common to EU Member States, may involve additional reservations on the part of the issuing State (Art. 9 para. 2 of the Directive 2014/41). On the other hand, carrying out this activity in accordance with the law of the executing State, but without complying with the formalities and procedures expressly indicated by the
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Adambekova, A. A., and N. T. Adambekov. "Issuing opportunities of the Kazakhstan stock market: unrealized gains." Bulletin of "Turan" University, no. 2 (June 13, 2021): 128–40. http://dx.doi.org/10.46914/1562-2959-2021-1-2-128-140.

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The Kazakhstani economy has a significant emission potential. The study reveals the issues of the restraining influence on the development of Kazakhstani companies' emission activity. Among them are the role of bank lending in financing the national economy; government discouragement of economic development; weak efficiency of administrative and tax preferences for issuers. An important factor is the doubt of Kazakhstani companies on their capital fair evaluation in the market. In particular, the study noted that over the past five years, there has been a stable trend towards a decrease in ban
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Syahputra, Harry, Devirusli Zainul Daulay, Busyra Azheri, and Jean Elvardi. "Prudential Principles in Issuing Medium-Term Debt Securities." International Journal of Religion 5, no. 10 (2024): 2493–500. http://dx.doi.org/10.61707/48gq3k69.

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Medium Trem Notes (hereinafter MTN) is a form of investment activity for MTN holders and alternative financing for companies based on a sale and purchase agreement between the issuing company and the MTN holder company as the capital provider, where there is a promise of giving interest every month by the issuer. Problem Formulation: 1. What is the Position of MTN as a Medium-Term Debt Securities? 2. How is the Application of Legal Certainty and Protection in the Issuance and Payment of MTN as Medium-Term Debt Securities? Conclusion: 1. MTN is a debt capital market instrument which is evidence
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KULISH, Damir. "STATE AND SUPPORT OF STRATEGIC PLANNING OF FOREIGN ECONOMIC ACTIVITY OF EU ENTERPRISES." Herald of Khmelnytskyi National University. Economic sciences 304, no. 2(2) (2022): 351–59. http://dx.doi.org/10.31891/2307-5740-2022-304-2(2)-55.

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The article analyzes the current state and support for strategic planning of foreign economic activity of EU enterprises. It is established that the European Union, or rather its member states, has the competence to harmonize legislation, which it implements in such areas as the free circulation of goods, services, capital, as well as in such sectors as agriculture, fishing, transport and energy. Meanwhile, health, tourism and civil protection are examples of areas where the European Union can only pass laws in support of member states ‘ initiatives. The EU has a relatively open trade regime,
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Windyastuti, Dian Rahayu, and Umar Ma'ruf. "The Authority of the Police in Issuance of Music Performance Permits as Efforts to Control Security and Order." Law Development Journal 2, no. 3 (2020): 368. http://dx.doi.org/10.30659/ldj.2.3.368-373.

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Aim This study is to determine and analyze the regulatory procedures for issuing music stage permits, the authority of the National Police in issuing permits for music performances as an effort to control security and order and factors inhibiting Polri's authority in issuing permits for music performances as an effort to control security and order. This study uses an empirical juridical approach. The conclusion of this research is about the Procedure for Issuance of Music Performance Permits, namely; The applicant brings the requirements (photocopy of ID card and musical performance record, th
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Andrew, Febren, Purwanto, and Febri Noor Hediati. "The Position of Bills Of Lading in The Carriage of Goods at Sea." Jurnal Independent 12, no. 1 (2024): 23–36. https://doi.org/10.30736/ji.v12i1.284.

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ABSTRACT Legal rules for the transport of goods on an international scale are contained in three international conventions, namely The,Hague-Visby,Rules,1968, The Hamburg Rules 1978, and The,Rotterdam,Rules 2008. Meanwhile, on a national scale, they are regulated in the Criminal Code. In the activity of transporting documents used is a bill of lading or bill of lading. The bill of lading document used as the basis of this research is the bill of lading owned by PT. SPIL. The purpose of this study is of course to analyze documents for transporting goods such as bills of lading and explain the i
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Antczak-Stępniak, Agata. "The Role of the Study of Conditions and Directions of Spatial Development of the Commune in the Growth of Developers’ Activity Based on the Łódź Example." Real Estate Management and Valuation 28, no. 3 (2020): 65–76. http://dx.doi.org/10.1515/remav-2020-0024.

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AbstractThe importance of local plans for developers and negative consequences of issuing a large number of decisions on building conditions are usually discussed in literature, with the role of the study of conditions and directions of the spatial development of the commune somewhat diminished in this respect. The question therefore arises whether the study itself is important for the growth of developers’ activity and, if so, whether its provisions are adhered to.Therefore, the purpose of this article is to assess the impact of the study of conditions and directions of spatial development of
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Dissertations / Theses on the topic "Issuing activity"

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CHEN, An-Jin, and 陳安瑾. "The Design and Implementation of Strategy Management Based on "Activity-Based Costing"--A Case Study of Credit Card Issuing Department of C Domestic Bank." Thesis, 1997. http://ndltd.ncl.edu.tw/handle/67481527959002862740.

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碩士<br>文化大學<br>會計研究所<br>85<br>ABC provides information about which resource comsuming and create values in business organizations, helps them pursuit improvement and excellence. This research gained five conclusion by case study:In this case. ABC proides a detailed tracking of cost incurred and an accruated profitability information of businesses ,products and marketing chennals.ABC privides not only finacial information, but nonfinancial and strategic performance measurement system for prob
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CHEN, JUI-LING, and 陳瑞玲. "The Impacts of Board Structures on Issuing Restricted Stock to Employees: The Moderating Effects of Shareholder Activism." Thesis, 2013. http://ndltd.ncl.edu.tw/handle/np9536.

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碩士<br>東吳大學<br>企業管理學系<br>101<br>This study attempts to examine whether the agency problem of issuing restricted stock to employees.In this study, we adopt the listed firms (TAIEX) that have declaration be issuing restricted stock to employees during the period 2007-2012 to find empirically whether the impacts of board structures and moderating effects of shareholder activism. The empirical results of this work are summarized as follows: The board structure-CEO duality and issuing restricted stock to employees have negative influence. Plus the moderating variables of shareholder activism- shareh
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Андрейків, Т. Я., Т. Я. Андрейкив та T. Andrejkiv. "Діяльність банків на ринку цінних паперів". Diss., 2012. http://dspace.oneu.edu.ua/jspui/handle/123456789/3839.

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Досліджено теоретико-методологічні засади діяльності банків на ринку цінних паперів, з’ясовано сутність і необхідність такої діяльності на ринку цінних паперів, виокремлено форми участі та види діяльності банків на ринку цінних паперів, а також періодизацію розвитку ринку цінних паперів та банків як суб’єктів та професійних учасників цього ринку, уточнено дефініцію поняття «діяльність банків на ринку цінних паперів», поняття самого ринку цінних паперів та його інструментів – цінних паперів. Проаналізовано сучасний стан та особливості діяльності банків як професійних учасників ринку цінних пап
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Books on the topic "Issuing activity"

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Bazargan-Forward, Saba. Authority, Cooperation, and Accountability. Oxford University PressOxford, 2022. http://dx.doi.org/10.1093/oso/9780192862419.001.0001.

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Abstract This book develops a novel strategy for addressing individual accountability in the context of cooperatively committed harms. For example, how should we decide a single employee’s moral accountability in a corporation that commits egregious wrongs? What about a single soldier fighting in an unjust war? Or a single participant in a lynching? We need a way to make sense of individual moral accountability in instances such as these. This book makes the case for thinking that distinct aspects of human agency, normally wrapped up in a single person, can be “distributed” practically across
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Nojkina, N. V., N. A. Roslaya, and I. V. Rusakova. Examination of temporary disability in the practice of a dentist. SIB-Expertise, 2021. http://dx.doi.org/10.12731/er0466.12072021.

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The electronic training manual "Examination of temporary disability in the practice of a dentist" was developed on the basis of qualification requirements for the specialty "Organization of health care and public health", the requirements of the Federal State Educational Standard of Higher Education, taking into account the professional standards "Specialist in the organization of health care and public health" and "Physician dentist. "The manual consists of 5 modules containing up-to-date information on the organizational and legal issues examination of temporary disability (ETD), the legisla
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Nozhkina, N. V., N. A. Roslaya, and T. V. Zaripova. Organization and procedure for the examination of temporary disability. SIB-Expertise, 2021. http://dx.doi.org/10.12731/er0473.12072021.

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The electronic training manual "Organization and procedure for the examination of temporary disability" was developed on the basis of qualification requirements for the specialty "Organization of health care and public health", the requirements of the Federal State Educational Standard of Higher Education, taking into account the professional standards "Specialist in the organization of health care and public health" and "Physician-competence required for the examination of temporary disability (ETD) and work as part of the medical commission carrying out ETD, the ability to determine the sign
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Book chapters on the topic "Issuing activity"

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Budner-Iwanicka, Luiza. "Regionální komory veřejného auditu (RIO) jako orgány dohledu a kontroly... nad finančním hospodařením územní samosprávy v Polsku." In Interakce práva a ekonomie. Masaryk University Press, 2021. http://dx.doi.org/10.5817/cz.muni.m210-9934-2021-11.

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The article is devoted to the characteristics of the supervisory and control activities over municipal financial management performed in Poland by regional chambers of audit. Established under the Act of October 7, 1992 on regional chambers of audit, institutions for supervision and control of financial management of local government units started their activity 2.5 years after the restitution of local government in Poland, which was one of the main pillars of the political changes that took place after 1989. Characteristics of the individual competences of regional accounting chambers in rela
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Shefrin, Hersh. "IPOs: Initial Underpricing, Long-term Underperformance, and "Hot-Issue" Markets." In Beyond Greed And Fear. Oxford University PressNew York, NY, 2007. http://dx.doi.org/10.1093/oso/9780195304213.003.0017.

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Abstract Many investors have experienced an !PO-adrenaline rush on the first trading day as they search for the "next Microsoft." In the case of Internet stocks, the editor of one IPO newsletter has described investor activity as "insanity.com trading." There are three behavioral phenomena associated with initial pub lic offerings (IPOs). These have been termed (1) initial underpricing, (2) long-term underperformance,and (3) "hot-issue" market. Before explaining what each of these terms means, let me note that there are three main parties to IPOs: the issuing firm, the underwriter, and investo
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Magri, Tito. "One of the Greatest Mysteries of Philosophy." In Hume's Imagination. Oxford University PressOxford, 2022. http://dx.doi.org/10.1093/oso/9780192864147.003.0011.

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Abstract Besides conceptual change, Hume’s imagination replaces the intellect also in regard of substantive cognitive achievements. It allows explaining the difference between conception and cognition, which Hume thinks the other philosophers had ignored. Hume denies that any element of content can close the gap between conception and cognition. Rather, what marks cognition off is the attitude of assent to truth, a mode of conception that imagination, the vivacity of ideas, conveys to some of its ideas. Cognitive states with contents and attitudes issuing from the imagination constitute a ment
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Aguilar, Benjamin, Ajit Jain, and Kevin Neaves. "Short-Term Funding and Financing Alternatives." In Debt Markets and Investments. Oxford University Press, 2019. http://dx.doi.org/10.1093/oso/9780190877439.003.0010.

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This chapter discusses the different types of short-term funding and financing alternatives that are available in the commercial money and capital markets. First, it covers commercial paper market activity, issue maturity, and quality. Second, the chapter addresses common uses and terms for commercial and standby letters of credit as well as common issuing requirements and covenants, and discusses the parties, processes, and risks involved. Third, it covers bilateral and trilateral repurchase agreements. Fourth, the chapter discusses asset-based loans, including accounts receivable factoring a
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Gartrell, Nanette K., and Esther D. Rothblum. "Conclusion." In LGBTQ Divorce and Relationship Dissolution, edited by Abbie E. Goldberg and Adam P. Romero. Oxford University Press, 2018. http://dx.doi.org/10.1093/med-psych/9780190635176.003.0024.

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This chapter presents seven scenarios that illustrate how stressors can place long-term LGBTQ relationships at risk for dissolution, and discusses the strategies couples implemented to navigate through these challenges. We engaged in conversations with at least one person in a series of LGBTQ couples (diverse in race, ethnicity, gender, gender identity, geography, SES/income, education, and health/ability) that have been together for over 15 years. We focused on issues that frequently arise in the LGBTQ community, including (1) differences in outness, (2) gender identity, (3) polyamory, (4) re
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Kraut, Robert. "Pragmatism and the Ontology of Art." In Neopragmatism. Oxford University PressOxford, 2023. http://dx.doi.org/10.1093/oso/9780192894809.003.0012.

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Abstract Contemporary pragmatism—often dubbed ‘neopragmatism’—opposes the idea that legitimacy of institutional practices consists in conformity to requirements issuing from objects, properties, or states of affairs; it is people, not objects, that demand compliance, and whose patterns of behavior constitute the ultimate grounds of normativity. This theme, conjoined with semantic anti-representationalism—viz., the denial that a privileged word-world relation of “reference” or “representation” plays a key role in understanding conceptual activity—constitutes the strain of neopragmatism to be ex
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Brighenti, Francesco. "A “Sulphurous” Śakti: The Worship of Goddess Hiṅgulā in Baluchistan." In Soulless Matter, Seats of Energy: Metals, Gems and Minerals in South Asian Traditions. Equinox Publishing, 2016. http://dx.doi.org/10.1558/equinox.29651.

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Hiṅgulā is a Śākta goddess associated with underground fire, volcanic activity, and jets of flammable gas on the Makran coast of Pakistan and in Orissa. Her shrine in Makran is the westernmost among the Śākta-pīṭhas. Known to her Muslim devotees as Bībī Nānī, Hiṅglāja (Hiṅgulā) of Makran is connected by some scholars with the Iranian goddess Anāhitā worshipped by the Śakas and Kuṣāṇas and, through the latter, with the Mesopotamian/Elamite/Bactrian goddess Nanā. Hiṅgulā’s Sanskrit name means ‘she of cinnabar’. Cinnabar, hiṅgula, is a reddish ore consisting mainly of red sulphide of mercury (HgS
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Leonard, Kevin J. "Detecting credit card fraud using expert systems." In Readings in Credit Scoring. Oxford University PressOxford, 2004. http://dx.doi.org/10.1093/oso/9780198527978.003.0018.

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Abstract The incidence of consumer credit card fraud has been on the increase worldwide over the past 2 years. In Canada alone. the cost of credit card fraud totaled (for Visa and Master card) more than 46 million Canadian dollars for 1991. This number compares to totals of about $29 million for 1990 and only $19 million for 1989 (Appleby 1992). The two predominant growth areas are that of counterfeit fraud (where an unauthorized duplicate of the card exists in circulation) and that of non-receipt fraud (where a re-issued card is intercepted by a third party). In both instances. the cardholder
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Mohan Naik R, Dr, Mahesh D S, Pradeep Kumar M B, Dr Bharathraj Kumar M, and Avinash S. "MULTI-PURPOSE SURVEILLANCE ROBOT." In Futuristic Trends in IOT Volume 3 Book 2. Iterative International Publishers, Selfypage Developers Pvt Ltd, 2024. http://dx.doi.org/10.58532/v3biio2ch11.

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A surveillance robot is an independent machine constructed to monitor and secure an area against intruders. It consists of various sensors such as cameras, motion detectors, and infrared sensors to spot and track the activity of people or objects within their indicated area. The robot can be remotely supervised or trained to navigate its environment autonomously. The use of a surveillance robot as an intruder monitoring system offers numerous benefits over accepted security measures. Firstly, it can manage continuously without halts or lapses in attention, decreasing the risk of human error. S
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Firnhaber-Baker, Justine. "New Marvels." In The Jacquerie of 1358. Oxford University Press, 2021. http://dx.doi.org/10.1093/oso/9780198856412.003.0003.

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This chapter begins with Marcel’s decision on 22 February 1358 to murder two noble marshals of the royal army in the Dauphin’s bedchamber. It follows the story through the consolidation of a noble faction in reaction to this shocking event and the Dauphin’s recruitment to their cause at a meeting of nobles at Provins in April. After this meeting, the Dauphin garrisoned the castles of Montereau and Meaux on the Rivers Yonne and Marne, allowing him to blockade the fluvial routes that supplied Paris from the south and east. With the west occupied by Anglo-Navarrese troops and freebooters, all par
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Conference papers on the topic "Issuing activity"

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Haag, David, Devender Kumar, Sebastian Gruber, et al. "The Last JITAI? Exploring Large Language Models for Issuing Just-in-Time Adaptive Interventions: Fostering Physical Activity in a Prospective Cardiac Rehabilitation Setting." In CHI 2025: CHI Conference on Human Factors in Computing Systems. ACM, 2025. https://doi.org/10.1145/3706598.3713307.

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Iachimovschi, Anatolie. "Exigențele comportamentului auditorului în contextul actual al cadrului normativ și pieței serviciilor profesionale." In Învățământul superior contabil: provocări și soluții: Colocviu științific cu participare internațională in memoriam profesorului Viorel Ţurcanu. Academy of Economic Studies of Moldova, 2024. http://dx.doi.org/10.53486/isc2023.12.

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The problem of auditors' professional behavior is increasingly addressed in scientific publications, being a basic topic in the current reform of the audit quality management system. The professional opinion of an audit involves issuing it on the basis of independently and professionally accumulated evidence. In recent years, on the market of audit services in the Republic of Moldova, there has been an increase in the activities performed by auditors, while the number of audit subjects has not changed essentially. This situation requires a multifactorial analysis of the capacities of audit fir
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Smrčková, Gabriela. "Vývoj obranných prostředků proti nařízení izolace nebo karanténního opatření v rámci epidemie onemocnění COVID-19." In Naděje právní vědy 2022. University of West Bohemia, Czech Republic, 2023. http://dx.doi.org/10.24132/zcu.nadeje.2022.630-640.

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Public health protection authorities are authorized to order isolations or quarantine measures for specific persons in accordance with Public Health Protection Act in justified cases. Such a procedure is regulated by The Administrative Code which, especially by those legal provisions relating to the issuing of decisions. On the basis of § 8a of The Pandemic Act, which is lex specialis to the Public Health Protection Act public health protection authorities are eligible to order the isolations or the quarantine measures arising from the disease Covid-19 as well. but in the form of an interventi
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Tocelovska, Natalja, and Inga Jekabsone. "Baltic corporate bond market after Covid-2019 and capital markets union actions." In 25th International Scientific Conference. “Economic Science for Rural Development 2024”. Latvia University of Life Sciences and Technologies. Faculty of Economics and Social Development, 2024. https://doi.org/10.22616/esrd.2024.58.039.

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The implementation of the Capital Markets Union (CMU) initiative has boosted the activity within the corporate bond markets, a momentum further augmented by the consequences of the COVID-2019 pandemic. Although Baltic countries initially ranked low in the development of individual capital markets during 2007-2014, (before the CMU plan), the situation improved in the period 2015-2018 (after the CMU actions). The further expansion of the Baltic corporate bond market in the period from 2019 to 2023 traditionally associated with COVID-2019 and further CMU activities; witnessed an average annual gr
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Stoica, Marian, Marinela Mircea, and Bogdan Ghilicmicu. "USING BLOCKCHAIN TECHNOLOGY IN SMART UNIVERSITY." In eLSE 2020. University Publishing House, 2020. http://dx.doi.org/10.12753/2066-026x-20-187.

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The evolution of information and communications technology (ICT) has a huge impact in all spheres of activity, leading to major changes in every process, gaining important benefits but also facing challenges, especially those related to data security and protection. In the educational sector, there was a switch from traditional university to ICT based university. The use of SOA (Service Oriented Architecture), Cloud Computing, Internet of Things (IoT) and other technologies paves the way to switch to a new stage: intelligent university. Although IoT offers numerous benefits to the educational
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Alghamdi, Albaraa, Leigber Rivera Villarreal, Jaime Pena Leon, and Abdulaziz Y. Alomran. "Safety First: Best Practices in ESP Project Management for HSE Excellence." In SPE Middle East Artificial Lift Conference and Exhibition. SPE, 2024. http://dx.doi.org/10.2118/221557-ms.

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Abstract This paper aims to present a detailed and practical safety management procedure for surface and subsurface Electrical Submersible Pump (ESP) systems. The safety procedure covers all aspects of the ESP project, from equipment procurement to commissioning, while ensuring the highest Health, Safety, and Environment (HSE) standards are met at the lowest cost. The procedures were developed following the highest HSE standards. Behind any successful ESP deployment project, several activities must be performed safely to guarantee successful project delivery. Comprehensive safety and inspectio
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Antošová, Z., B. Arhens, and J. Pech. "Axisymmetric Jet under Active Control by Coaxial Synthetic Jet." In Topical Problems of Fluid Mechanics 2025. Institute of Thermomechanics of the Czech Academy of Sciences; CTU in Prague Faculty of Mech. Engineering Dept. Tech. Mathematics, 2025. https://doi.org/10.14311/tpfm.2025.001.

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Axisymmetric continuous air jet issuing from a long straight pipe nozzle was actively controlled using coaxially placed annular synthetic jet. The Reynolds numbers of the main and control jets were kept constant, 5000 and 750, respectively. The topic was studied experimentally using PIV technique and numerically using commercial software FLUENT. It was shown that active control induces large-scale stream-wise velocity fluctuation, increases axial velocity and prolongs the potential core of the main jet.
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Lee, Wooju, and Dung Nguyen Thi Phuong. "HUMAN RESOURCES COOPERATION PLAN BETWEEN KOREA AND VIETNAM FOR SUSTAINABLE DEVELOPMENT." In International Conference on Political Theory: The International Conference on Human Resources for Sustainable Development. Bach Khoa Publishing House, 2023. http://dx.doi.org/10.51316/icpt.hust.2023.73.

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"Research purpose: Korea and Vietnam are actively engaged in human resource exchanges and are economically interdependent. Many Vietnamese people study or export labor in Korea, and many Korean companies and private businesses hire Vietnamese employees while doing business in Vietnam, and many Korean employees are working in Vietnam. It would be better if the two countries could make up for and cooperate with each other in using human resources to expand good jobs, boost industrial growth, innovation, and economic growth together. Therefore, by analyzing the current status of human resources a
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Vogel, Richard, Robert Manthey, Max Schlosser, et al. "Smart Tokens for Proximity Marketing and Supply Chain Tracking - Vicima." In 16th International Conference on Applied Human Factors and Ergonomics (AHFE 2025). AHFE International, 2025. https://doi.org/10.54941/ahfe1006303.

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Facing the predominance of online market places like Amazon physical stores are increasingly losing valuable customers. This challenge is particularly acute for smaller business owners who face additional hurdles. Expanding their physical shops into the digital world not only causes labor and marketing costs but also needs to meet various legal requirements. Even then, small shops are easily overshadowed by the vast competition of digital offerings. Due to the pervasiveness of mobile phones and internet usage the pressure on local stores will likely become an increasing thread. In an attempt t
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