Competition in retail banking lending forces banks to constantly analyze the proposed loan products and loan products to competitors, to develop and introduce new versions of products, improve existing conditions, taking into account the changing needs of the population, the provision of new social groups of potential borrowers, uses of credit and other factors. In the process, the banks are increasingly collaborating with sales, service, insurance and other organizations providing credit in conjunction with other services. The specificity of the emergence (...) of different types of retail lending, their interrelation and interpenetration leads to the necessity of ordering and classification of retail banking loans, as well as its continuous improvement and additions. The choice of reasonable criteria differentiation of types of retail loans based on certain classifications is rather difficult, but important problem. Scientific approaches to the classification of bank loans illuminated by representatives of such scholars H. Babin, U. Dremova, A. Lavrushin, W. Lexis, E. Litvinov, M. Petukhov, A. Plyetinska, N. Syekirina, M. Chirkova, N. Shabanova and others. The article aims to systematize criteria for the classification of retail banking loans, which will increase the efficiency of banks through differentiated product range of loans to meet the needs of customers. After systematization and critical analysis of scientific approaches to the classification of retail banking loans formed a plurality of types of loans and are presented in the form of classification of retail loans, depending on the following conditions: bank control over how the borrower spends money; speed of the Credit application; credit facility; credit terms; support; method of payment; Terms of; method of charging interest; giving way; category of the borrower; the amount of the loan; currency loan; type of interest rate; method of evaluating creditworthiness; segment of the retail market; sales channel. The classification best reflects the diversity of the types of retail banking loans and can be used to diversify the credit risk of investments, development of various loan products for the effective organization of retail lending, as well as to develop a differentiated system of assessing the creditworthiness of private borrowers. (shrink)

In the research investigated the present state, conditions and possibilities on introduction the free circulation of agricultural land in Ukraine, highlighted the main problems of its development, analyzed experience of sale and lease of agricultural land in European countries. It is demonstrated the survey results of shareholders and agricultural producers in the two districts - Bila Tserkva, Kyiv region and Uman, Cherkassy region. The model of the agricultural land market should meet not only economic efficiency and expediency, but also contribute (...) to the sustainable development of rural areas, where the circulation of agricultural land should be preceded by the introduction of fuses and restrictions. In order to prevent landlessness of peasants and the formation of latifundists, the free circulation of land can be implemented in two stages. 1 stage: land inventory, cadaster and land management system, which includes four subsystems: 1) land rights ; 3) land use ; 4) infrastructure development. Second stage of the market opening for state and communal property land. The priorities on purchase to be provided for the local communities, restriction on access the market for the legal entities, foreigners, introduction of other restrictions on the sale of agricultural land, the application the taxes differentiations on land sales, fees, etc. (shrink)

B a c k g r o u n d. The article is devoted to the study of confirmatory distortion as a cognitive bias within the framework of the modern theory of argumentation. In the context of this study, the effectiveness of the critical questioning technique as an argumentation strategy aimed at reducing the negative impact of confirmatory bias is considered. M e t h o d s. To achieve the goals of the research, the method of critical questions is (...) used, which is based on the traditional principles of logic, dialectics and rhetoric. Specific lists of critical questions are developed for each argumentative scheme. R e s u l t s. The article demonstrates that standard critical questions for schemes of practical reasoning, developed by eminent specialists, are able to minimize the negative impact of confirmation bias. This is achieved by taking into account information that may conflict with the agent's action plan. C o n c l u s i o n s. The study highlights the importance of using critical questions as a tool to minimize confirmation bias. Such an approach not only contributes to the substantiation of arguments, but also stimulates self-control and the search for information that may cause doubts about one's own views. The final part of the article examines propaganda as the deliberate use of confirmatory distortion and points to the need for attention to language patterns where it occurs rather unintentionally. In connection with the specificity of the studied phenomenon, the term "confirmation bias" is proposed as a translation of the English "confirmation bias". (shrink)

One of the distinctive features of the Twenty-seventh Congress of the CPSU was the extreme attention devoted to the theoretical and practical problems of perfecting socialism. Guided by Marxist-Leninist theory, the Congress underscored particularly that fidelity to this theory consists not in repeating the classical postulates and conclusions of Marxism, but in its creative development on the basis of accumulated experience. The Political Report of the CPSU Central Committee to the Twenty-seventh Congress contained the following statement by Lenin: "'Our theory (...) is not a dogma but a guide to action.' This is what Marx and Engels always said in justly ridiculing the rote memorization and simple repetition of ‘formulas’ capable in the best of cases of only marking out general tasks, which must undergo modifications in accordance with the concrete economic and political circumstances of every particular phase of the historical process.". (shrink)

Review of the scientific publication: Melnyk V. Civilizational inquiries and the phenomenon of science: [monograph]. Lviv: Ivan Franko Lviv National University, 2022. 480 p.

У статті проаналізовано основні підходи щодо організації професійного розвитку державних службовців. З’ясовано, що одним із основних складових елементів реформи державного управління в частині модернізації державної служби та управління людськими ресурсами визначено реформу системи професійного навчання державних службовців, зокрема шляхом впровадження сучасної цілісної, мобільної та гнучкої системи професійного навчання державних службовців з розвинутою інфраструктурою та належним ресурсним забезпеченням, яка орієнтована на розвиток компетентностей та потреби в професійному розвитку державних службовців. Окреслено основні досягнення реформи системи професійного розвитку, зокрема: сформовано правове поле забезпечення (...) професійного навчання, яке зазнає змін відповідно до потреб, що швидко змінюються; планово і систематично визначаються потреби у професійному навчанні; впроваджено елементи моніторингу якості освітніх послуг; проводиться конкурсний відбір виконавців державного замовлення на професійне навчання через Портал управління знаннями. З’ясовано, що потреби у розвитку та удосконаленні компетентностей державних службовців з різних аспектів європейської інтеграції та впровадження європейських принципів і стандартів у практику публічного урядування в Україні є дуже високими. Виявлено, що для формування єдиних підходів до навчання державних службовців з питань європейської інтеграції необхідно забезпечити, зокрема: розробку навчальних програм відповідно до 35 розділів права Європейського Союзу; організацію навчань та тренінгів для державних службовців, які забезпечують планування, координацію, моніторинг та підготовку звітності щодо виконання зобов’язань України у сфері європейської інтеграції, а також наближення законодавства України до права Європейського Союзу; розробку та реалізацію загальних короткострокових програм підвищення кваліфікації за напрямом «Європейська інтеграція»; проведення аналізу інституційної спроможності та кадрового складу державних органів, відповідальних за виконання завдань у сфері європейської інтеграції. (shrink)

The name of M. Heidegger is associated with a serious scandal in modern philosophy. This person, who is recognized as the greatest philosopher of the 20th century, turned out to be a staunch opponent of "world Jewry" and a supporter of the "National Socialist Revolution." Are these odious beliefs: a trait of his personalities, his ideological conformism? Or are they organically woven into his philosophy? Heidegger's philosophy is deeply rooted in the very center of European philosophy. And it attracts all (...) of its history, classical ideas and concepts in the course of its thought. Heidegger "introduces Nazism into philosophy”, but is not this dangerous possibility hidden in the bowels of philosophy itself? What is M. Heidegger as the case of philosophy itself? In this article, the author describes the contexts in which the case - the case, the fall, even the collapse - of Heidegger becomes philosophically significant. Appealing to the concept of the late Heidegger das Ereignis (event), it is actualized that philosophical thought, understood as the experience of being, belongs to the contemporary and here relates to all such a whim of the experience of the modern. It is a paradoxical combination of boundary involvement in what is happening and boundary abstraction. Thus, the purity of the article is devoted to the analysis of the events of the early twentieth century, mainly in the intellectual context. The author then turns to Heidegger's philosophy, analyzing the following key points: the phenomenological turn of philosophy and its ontological deepening by Heidegger, the destruction of Kantian criticism and Cartesian double-substance; elimination of abstract reflection. Finally, the author argues in detail why, in his view, the philosophically necessary course of Heidegger's thoughts and the paths echoed by his own course of this authoritarian personality coincide. (shrink)

It seems to me that what is lacking in all the arguments of the participants, all of which I have listened to with great interest, is an understanding of one truth, and that is, that it is only with major qualifications that one can look at our Soviet history as the continuation of Russian history and ourselves as the continuers of the many- centuries-old tradition of Russian culture. We have all been "sculpted" not by Russian but by Soviet history and (...) Soviet life. And, of course, this also applies to the Russian Orthodox church. (shrink)

The article covers the development of the idea of ​​patriarchal status in 1945-1962 within the Ukrainian Greek Catholic Church in the diaspora, focusing mainly on the third wave of Ukrainian emigration. After the Second World War, about 250,000 Ukrainian refugees found themselves in Western Europe, from where in 1947-1955, they moved to the countries of North and South America, Western Europe and Australia. The growing role of the Church, which continued to play a significant role in their lives after their (...) resettlement to the countries mentioned above, marked the experience of their stay in the DP camps. The DP camps became a place of a closer rapprochement between Ukrainian Greek Catholics and Orthodox Christians, one consequence of which was the appeals of a Ukrainian Greek Catholic bishops with a proposal to create a joint patriarchate with Ukrainian Orthodox, which would be in unity with Rome. On the other hand, the expansion of the geography of the presence of the UGCC and the founding of new metropolises in Canada and the United States brought to the fore the question of the unity of all structural units of this Church at the global level, which, as some believed, could have been secured by the patriarchal institution. Finally, the patriarchate was considered by the post-war Ukrainian emigration as a means of preserving the unity of the diaspora in the face of assimilation and disintegration. Furthermore, in the future, as an institution that could effectively help the Church revive at home after independence. The last aspect of the patriarchal idea had a significant impact on the emergence of the Ukrainian patriarchal movement, and its closeness to the goals set by the third wave of Ukrainian emigration provided that movement with a high level of massiveness and passionate vigorousness for the movement. (shrink)

The article compares the functions of religious faith and religious experience as structural components of religious consciousness. Traditionally, in scientific studies, the problem of religious belief and religious experience is viewed separately from the perspective of psychology and philosophy of religion. However, the author of this article, while researching the structure of religious consciousness, noticed that at the present stage of the development of religious traditions, religious faith and religious experience perform rather related functions. This work is devoted to the (...) substantive disclosure of the relevance of this hypothesis. (shrink)

The purpose of this article is to shed light on the peculiarities of language functioning in the structure of a person's religious consciousness. The article is an attempt to actualize and rethink some of the scientific methods of contemporary religious discipline in the light of new research in psychology and linguistics. Much has been done along the way. The most notable specialized work of recent years on this topic can be considered "Language and religion" by N.B. Mechkovskaya, which was released (...) in 1998. There are enough works relevant to our topic that should be addressed; in the field of psychology these are the works of Luria, Rubinstein, Leontiev, Vygotsky, Fromm, etc., ethnology and linguistics - Saussure, Levi-Strauss, Potebna, and others. (shrink)

The Socio-Cultural and Philosophical Origins of Science discusses the formation of spiritual culture and reveals the prerequisites for the developments of philosophy (reflection), science (objectification), religion (spirituality), and art (conventionality) from a common root: animistic thinking. Philosophy emerges as reflexive thinking which transforms the animistic into the ideal, the polarization of which into a subject-object relation becomes the basis for the emergence and development of science. The study shows that any new thought in culture that answers the question of being (...) goes through the same stages of mysticism, poetics, rhetoric, grammar, logic, and mathematics. The book is designed for students to prepare for the PhD candidate examination in the philosophy of science, as well as for scholars (scientists) interested in the methodology of scientific knowledge. It would also appeal to both students and professors in various disciplines across humanities and social sciences, as well as to anyone interested in understanding the commonalities and differences among, and the origins of, philosophy, science, religion, and art. (shrink)

В книге Некрасов помогает людям осознать важность психологического и духовного рождения. В ней приведены откровенные беседы с реальными людьми, которые с болью и слезами рассказывали о своей жизни.

The article considers the issues of modern German political philosophy in accordance with its formation, institutionalization and development. Germany’s political philosophy is analyzed in terms of its interaction with social and practical philosophy. The text states that political philoso- phy belongs to both social philosophy and political science. As a political theory, it is a compo- nent of social theories institutionalized in the modern era. As a political philosophy, it appears as a metatheory of political theory. Political philosophy is also (...) part of practical philosophy, exploring the problems of interaction between ethics and politics and the moral reclamation of the political system of modern society. These issues are themed in the context of the institution- alization of this discipline in the early twentieth century, its transformation into a political reli- gion during National Socialism, the revival after World War II, as well as actualization in such areas of socio-humanitarian sciences as discourse philosophy, functional-system theory of so- ciety, etc. according to the political situation of modern Germany. (shrink)

In this article the author studies the place and the role of social philosophy in the architecture of the social sciences and humanities. The article focuses on the relationship between social philosophy, theory of society, theoretical sociology and social ethics. Based upon the application of the concept of paradigm in philosophy, the author shows key trends of the development of social sciences and humanities: the turn from the philosophy of conscience to the communication philosophy and the “rehabilitation of the practical (...) philosophy”. In line with these trends, practical discourse philosophy is now playing the central role in the structure of the social sciences and humanities, the author says. By making a distinction between normative and descriptive dimensions of the social sciences and humanities, the author emphasizes the issue of their normative foundation and their moral and ethical re-orientation. The article analyzes discourse as an argumentative practice of founding social norms and values and as a meta-institution legitimizing social institutions. According to this approach, the social philosophy is considered as a meta-theory of social sciences, which include general social theory and theories of social systems. In this context, practical dis- course philosophy is playing a fundamental role for legitimizing specific social institutions. Social ethics also plays an important role, as it complements individual ethics, creating a system of institutional ethics, i.e. of political ethics, economic ethics, ethics of science and technology, environmental ethics. In this architectonics, social responsibility gets a new meaning, incorporating individual responsibility. Social responsibility is not an anonymous responsibility that neglects the individual responsibility, but a common responsibility implemented according to certain rules and procedures and creating the possibility to solve current problems of the globalized humanity. (shrink)

There has been noted that in the process of the development of economic relationship, improvement and technology integration, innovations and transformations implementation, increase in productivity and activity outcomes the principles of management, development and system functioning are changed, complemented and transformed. There has been found that to meet the goals of industrial enterprises development, encourage co-operation of all units in the system during development, make financial and economic, production and technical managerial decisions on the basis of systemic approach to management, (...) analysis of systems principles, development and management of phenomena and processes it is necessary to take into account the developed basic and additional principles of formation of the strategic management system of the industrial enterprise development. The basic principles are: flexibility, integrity, optimality, efficiency, productivity; the additional ones: rationality, correspondence, dynamism, control. The multitude of the mentioned principles has been formed according to managerial actions that correspond to the stage of the formation of the development goal (correspondence and dynamism principles), stages of development management (flexibility, integrity, optimality, rationality, control principles) and stages of development goals realization (efficiency and productivity), which ensures specification of the role and principles in the process of the industrial enterprise development. The principles are subdivided according to subsystems of inner state (production and realization - flexibility principle, financial state - integrity, resource state - flexibility principle), the subsystem of outer state (correspondence and dynamism principle). There have been determined principles that characterize the functioning of all subsystems within the system of strategic management of development during the formation of managerial decisions (optimality, rationality and control principles) and during the results of the industrial enterprise development (efficiency and productivity principles). (shrink)

У статті сформульовано концепцію формування системи стратегічного управління розвитком підприємства, яка є комплексним поєднанням внутрішніх ключових аспектів забезпечення стійкого функціонування й факторів зовнішнього впливу, що дозволяє досягти чіткої взаємодії, координації, узгодженості управлінських рішень при їх упровадженні у фінансово-господарську діяльність за умов пріоритету цілей розвитку. Емпірична, теоретична й методологічна основи концепції генерують практичну значущість отриманих результатів дослідження.

У статті обґрунтовано науково-методичний підхід до формування системи управління інноваційною активністю підприємства в умовах розвитку, який упорядковує застосування стратегій управління інноваційною активністю відповідно до видів інновацій, внутрішніх і зовнішніх умов їх реалізації, дозволяє зіставити різні групи і види стратегій, що забезпечує комплексне прийняття управлінських рішень і дозволяє підвищити ефективність стратегічного управління розвитком підприємства. У роботі отримав розвиток понятійний апарат теорії інновацій у частині проробки понять "інноваційна активність" і "управління інноваційною активністю" суб'єкта господарювання. Запропоновано комплексний підхід до визначення інноваційної активності, яка (...) трактується автором як процес, що забезпечує досягнення цілей інноваційного розвитку на основі формування інноваційного потенціалу, активізації, стимулювання та інтенсифікації інноваційної діяльності в умовах стратегічного управління розвитком промислового підприємства. Даний підхід враховує як потребу у розвитку, так і основні базиси досліджуваного процесу, що є відмінністю від існуючих формулювань поняття, в яких вказані аспекти подаються розрізнено. Визначено мету інноваційної активності, що полягає в пошуку механізмів, які забезпечують здійснення інноваційного процесу на промисловому підприємстві для своєчасного реагування на ринкові виклики в умовах розвитку. Сформульовано основні характеристики інноваційної активності в системі різноманітних видів активності, виділено організаційно-економічні стимули до реалізації інноваційної активності: результативне управління ресурсами, особливо інтелектуальними, інвестиційними та фінансововими; інтенсифікація змін зовнішнього середовища; державна політика, пов'язана з розвитком бізнесу, регулюванням конкурентного ділового середовища, створенням інноваційної інфраструктури. Під управлінням інноваційною активністю пропонується розуміти систему стратегічних управлінських рішень, спрямованих на забезпечення інтенсивного та ефективного здійснення інновацій у процесі розвитку промислового підприємства. (shrink)