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  COVID-19 AND RELATED GOVERNMENT REGULATIONS’ IMPACT ON EMPLOYMENT IN GEORGIA

  Due to the pandemic, 2020 became one of the most memorable years in the world history. It affected employment as well. Georgia was one of the countries which experienced the pan-demic impacts on its citizens. The unemployment rate increased by 2,1% within a year and reached 20,6% in 2021. Despite state regulations and restrictions, Georgia was ... Due to the pandemic, 2020 became one of the most memorable years in the world history. It affected employment as well. Georgia was one of the countries which experienced the pan-demic impacts on its citizens. The unemployment rate increased by 2,1% within a year and reached 20,6% in 2021. Despite state regulations and restrictions, Georgia was among the most vulnerable countries to COVID-19 spreading. It caused severe results on employment and the whole economy. The paper aims to define and analyze the impact of COVID-19 and related state regulations’ impact on employment in Georgia as well as to identify the tendencies based on the qualitative analysis of the surveys conducted in Georgia. The existing literature and available information on the impact of COVID-19 on the economy and employment is reviewed. Comparative analysis of the EU and Georgian state regulations related to COVID-19 is provided. Data used in the paper is of secondary type. Graphs are used to visualize data, and analysis of statistical observation is applied. Georgian researcher’s findings are also used. Significant evaluations and analyses are drawn depending on the collected data relating to COVID-19 impact on the economy, employment and people's perception. Some authors’ predictions are presented as well.

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  THE NON-LIFE INSURANCE MARKET IN BULGARIA – 15 YEARS AFTER THE COUNTRY'S ACCESSION TO THE EUROPEAN UNION

  The main aim of the study is to establish the state and development of the leading insurance industry in our country – Non-Life Insurance, as well as to outline its importance as an economic sector and to determine its market structures after Bulgaria's accession to the European Union in 2007. The article traces the dynamics of gross written ... The main aim of the study is to establish the state and development of the leading insurance industry in our country – Non-Life Insurance, as well as to outline its importance as an economic sector and to determine its market structures after Bulgaria's accession to the European Union in 2007. The article traces the dynamics of gross written premiums realised by insurers in Non-Life Insurance during the period 2007-2021. The place of Non-Life Insurance in the Bulgarian economy has been established through the indicators "insurance penetration" and "insurance density". Its product structure for the same period has also been studied. As a result of the research, it is concluded that Non-Life Insurance in Bulgaria occupies a small share of the country's economy; Bulgarian citizens do not spend enough money on insurance, and the product structure of the market is dominated by Motor Insurance.

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  THE AREAL AS A TOOL FOR LOCAL BUSINESS DEVELOPMENT AND PROSUMING (A vision)

  Strategic turns in regional development are a serious challenge. They lead to actions related to the rationalisation of the management of administrative units and territorial systems, to their linking in order to seek synergistic effects. The article deals with a problem related to the creation of associations of municipalities, here ... Strategic turns in regional development are a serious challenge. They lead to actions related to the rationalisation of the management of administrative units and territorial systems, to their linking in order to seek synergistic effects. The article deals with a problem related to the creation of associations of municipalities, here conventionally called areals. This idea develops in the direction of their aggregation, conforming to, and responding to the megatrend of local prosuming. Emphasis is placed on the configuration and role of the areal. Strategic issues that accompany the formation of areals are formulated including models that can become the basis for visioning, strategizing and planning. On this basis, an integral model (vision) for the formation of a specific areal in the Southernmost Danube Arc, called Svibenik (Svishtov - Belene - Nikopol) is launched. The intention is also to combine in one the theory with the design of a real areal structure.