{"id":"https://openalex.org/W7219251126","doi":null,"title":"Ustanovitev digitalne participativne banke v Severni Makedoniji: prilo\u017enosti in izzivi brezobrestnega financiranja","display_name":"Ustanovitev digitalne participativne banke v Severni Makedoniji: prilo\u017enosti in izzivi brezobrestnega financiranja","publication_year":2025,"publication_date":"2025-07-04","ids":{"openalex":"https://openalex.org/W7219251126"},"language":"en","primary_location":{"id":"pmh:oai:dk.um.si:IzpisGradiva.php?id=94099","doi":null,"is_oa":true,"landing_page_url":"https://dk.um.si/Dokument.php?id=194681&dn=","pdf_url":"https://dk.um.si/Dokument.php?id=194682&dn=","source":{"id":"https://openalex.org/S4377196302","display_name":"University of Maribor digital library (University of Maribor)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I37696226","host_organization_name":"University of Maribor","host_organization_lineage":["https://openalex.org/I37696226"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"ISSN: 0547-3101","raw_type":"info:eu-repo/semantics/report"},"volume":null,"type":"report","is_traditional":false,"indexed_in":[],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"https://dk.um.si/Dokument.php?id=194682&dn=","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5115711333","display_name":"Ahmet L\u00f6k\u00e7e","orcid":"https://orcid.org/0000-0002-5237-4392","observed_orcids":["https://orcid.org/0000-0002-5237-4392"]},"institutions":[{"id":"https://openalex.org/I87643937","display_name":"International Balkan University","ror":"https://ror.org/00ghx1590","country_code":"MK","type":"education","lineage":["https://openalex.org/I87643937"]}],"countries":["MK"],"is_corresponding":false,"raw_author_name":"L\u00f6k\u00e7e, Ahmet","raw_affiliation_strings":["International Balkan University , Faculty of Economics and Administrative Sciences , North Macedonia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"International Balkan University , Faculty of Economics and Administrative Sciences , North Macedonia","institution_ids":["https://openalex.org/I87643937"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5098710653","display_name":"Andrijana Bojadzievska Danevska","orcid":"https://orcid.org/0000-0001-8969-0105","observed_orcids":["https://orcid.org/0000-0001-8969-0105"]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Bojadzievska Danevska, Andrijana","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":null,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":null,"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11365","display_name":"Islamic Finance and Banking Studies","score":0.9990000128746033,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T11365","display_name":"Islamic Finance and Banking Studies","score":0.9990000128746033,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.000699999975040555,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":9.999999747378752e-05,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/interest-free-finance","display_name":"interest-free financing","score":0.7960000038146973},{"id":"https://openalex.org/keywords/digital-banking","display_name":"digital banking","score":0.8379999995231628},{"id":"https://openalex.org/keywords/ethical-finance","display_name":"ethical finance","score":0.6700000166893005},{"id":"https://openalex.org/keywords/islamic-finance","display_name":"Islamic finance","score":0.5519999861717224},{"id":"https://openalex.org/keywords/banking-regulation","display_name":"banking regulation","score":0.7070000171661377},{"id":"https://openalex.org/keywords/financial-inclusion","display_name":"financial inclusion","score":0.9259999990463257},{"id":"https://openalex.org/keywords/sme-financing","display_name":"SME financing","score":0.6240000128746033},{"id":"https://openalex.org/keywords/digital-transformation","display_name":"digital transformation","score":0.5239999890327454}],"concepts":[{"id":"https://openalex.org/C2777642646","wikidata":"https://www.wikidata.org/wiki/Q9296","display_name":"Macedonian","level":2,"score":0.5909000039100647},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.5795000195503235},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.545799970626831},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.5103999972343445},{"id":"https://openalex.org/C126082660","wikidata":"https://www.wikidata.org/wiki/Q4252370","display_name":"Digital transformation","level":2,"score":0.4959000051021576},{"id":"https://openalex.org/C27548731","wikidata":"https://www.wikidata.org/wiki/Q88272","display_name":"Investment (military)","level":3,"score":0.489300012588501},{"id":"https://openalex.org/C156152238","wikidata":"https://www.wikidata.org/wiki/Q1548025","display_name":"Retail banking","level":2,"score":0.46160000562667847},{"id":"https://openalex.org/C15241564","wikidata":"https://www.wikidata.org/wiki/Q319845","display_name":"Investment banking","level":2,"score":0.429500013589859},{"id":"https://openalex.org/C121955636","wikidata":"https://www.wikidata.org/wiki/Q4116214","display_name":"Accounting","level":1,"score":0.34209999442100525},{"id":"https://openalex.org/C2986840890","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial sector","level":2,"score":0.33469998836517334},{"id":"https://openalex.org/C143910263","wikidata":"https://www.wikidata.org/wiki/Q750458","display_name":"Capital market","level":2,"score":0.32589998841285706},{"id":"https://openalex.org/C19244329","wikidata":"https://www.wikidata.org/wiki/Q208697","display_name":"Financial market","level":2,"score":0.31380000710487366},{"id":"https://openalex.org/C2992735868","wikidata":"https://www.wikidata.org/wiki/Q66344","display_name":"Central bank","level":3,"score":0.3043000102043152},{"id":"https://openalex.org/C83646750","wikidata":"https://www.wikidata.org/wiki/Q193893","display_name":"Capital (architecture)","level":2,"score":0.29600000381469727},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.2883000075817108},{"id":"https://openalex.org/C203043789","wikidata":"https://www.wikidata.org/wiki/Q138461","display_name":"Digital economy","level":2,"score":0.2623000144958496},{"id":"https://openalex.org/C65146658","wikidata":"https://www.wikidata.org/wiki/Q1416431","display_name":"Financial intermediary","level":2,"score":0.26089999079704285},{"id":"https://openalex.org/C510755694","wikidata":"https://www.wikidata.org/wiki/Q281095","display_name":"Financial regulation","level":2,"score":0.25949999690055847}],"mesh":[],"locations_count":1,"locations":[{"id":"pmh:oai:dk.um.si:IzpisGradiva.php?id=94099","doi":null,"is_oa":true,"landing_page_url":"https://dk.um.si/Dokument.php?id=194681&dn=","pdf_url":"https://dk.um.si/Dokument.php?id=194682&dn=","source":{"id":"https://openalex.org/S4377196302","display_name":"University of Maribor digital library (University of Maribor)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I37696226","host_organization_name":"University of Maribor","host_organization_lineage":["https://openalex.org/I37696226"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"ISSN: 0547-3101","raw_type":"info:eu-repo/semantics/report"}],"best_oa_location":{"id":"pmh:oai:dk.um.si:IzpisGradiva.php?id=94099","doi":null,"is_oa":true,"landing_page_url":"https://dk.um.si/Dokument.php?id=194681&dn=","pdf_url":"https://dk.um.si/Dokument.php?id=194682&dn=","source":{"id":"https://openalex.org/S4377196302","display_name":"University of Maribor digital library (University of Maribor)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I37696226","host_organization_name":"University of Maribor","host_organization_lineage":["https://openalex.org/I37696226"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"ISSN: 0547-3101","raw_type":"info:eu-repo/semantics/report"},"sustainable_development_goals":[{"score":0.5473999977111816,"id":"https://metadata.un.org/sdg/16","display_name":"Peace, justice, and strong institutions"}],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W7219251126.pdf","grobid_xml":"https://content.openalex.org/works/W7219251126.grobid-xml"},"referenced_works_count":5,"referenced_works":["https://openalex.org/W1527195132","https://openalex.org/W2124415622","https://openalex.org/W2499261010","https://openalex.org/W2927716850","https://openalex.org/W4384338661"],"related_works":["https://openalex.org/W4412050471","https://openalex.org/W4409198306","https://openalex.org/W7118068972","https://openalex.org/W6995787067","https://openalex.org/W7213511145","https://openalex.org/W6930724369","https://openalex.org/W3092422639","https://openalex.org/W4389394912","https://openalex.org/W7167182293","https://openalex.org/W4318968390"],"abstract_inverted_index":{"This":[0,23],"paper":[1,67,97,172],"aims":[2],"to":[3,53,69,107,146],"explore":[4],"the":[5,18,35,58,63,66,71,102,109,116,132,140,161,171,175,190],"feasibility":[6],"of":[7,20,28,65,73,101],"establishing":[8,74],"a":[9,50,75],"digital":[10,47,76,134,178,191],"participation":[11,77],"bank":[12,78],"in":[13,34,79,112,182],"North":[14,80,113],"Macedonia":[15,81,114],"based":[16,82],"on":[17,83,89],"principles":[19,56],"interest-free":[21,41,84,129,179],"finance.":[22],"system":[24],"has":[25,142,181],"been":[26],"part":[27],"ethical":[29,156],"and":[30,105,115,119,153,165,187],"equitable":[31],"financial":[32,157,183],"systems":[33],"major":[36],"Abrahamic":[37],"religions.":[38],"Thus,":[39],"as":[40],"finance":[42,85,104,130,180],"becomes":[43],"more":[44],"popular":[45],"worldwide,":[46],"banking":[48,60,110,135],"presents":[49],"new":[51],"approach":[52],"incorporating":[54],"these":[55],"into":[57,131],"Macedonian":[59,133],"system.":[61],"Here,":[62],"purpose":[64],"is":[68],"discuss":[70],"applicability":[72],"principles,":[86],"by":[87],"drawing":[88],"global":[90],"best":[91],"practices.":[92],"In":[93],"that":[94,139,177],"sense,":[95],"this":[96],"provides":[98],"an":[99],"analysis":[100],"interest\u2013free":[103],"intends":[106],"describe":[108],"environment":[111],"necessary":[117],"regulatory":[118],"market":[120],"changes.":[121],"Furthermore,":[122],"it":[123],"offers":[124],"recommendations":[125],"for":[126,155],"integrating":[127],"ethical,":[128],"sector.":[136],"Findings":[137],"indicate":[138],"country":[141],"strong":[143],"potential,":[144],"due":[145],"its":[147],"diverse":[148],"population,":[149],"growing":[150],"SMEs":[151],"sector":[152],"demand":[154],"services,":[158],"but":[159],"at":[160],"core,":[162],"significant":[163],"legal":[164],"institutional":[166],"changes":[167],"are":[168],"required.":[169],"Finally,":[170],"concludes":[173],"with":[174,189],"opportunities":[176],"inclusion,":[184],"investment":[185],"attractiveness,":[186],"integration":[188],"transformation":[192],"strategy":[193]},"counts_by_year":[],"updated_date":"2026-11-07T11:25:07.637180","created_date":"2026-10-04T00:00:00"}
