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The aim of this study is to develop a Communicative Rational Action Scale and analyze its validity and reliability. The scale has been prepared for all administrators and especially for firm administrators based on Max Weber’s rationalizing theory and Jürgen Habermas’ communicative action theory. The scale reveals to what extent administrators’ behaviors are communicatively rational while deciding or acting. In total, 282 participants joined this study. The sample group consisted of senior administrators of 87 firms acting in Turkey’s different Organized Industrial Zones or Free Zones. Data were analyzed by the SPSS 21 and AMOS 22 programs. Exploratory factor analysis and confirmatory factor analysis were applied to the obtained data. In order to test item discrimination, total item correlations were calculated and items under the value of 0.40 were removed from the scale. Exploratory factor analysis revealed 21 articles and five factors. The correlation coefficient of the 21-article scale with a similar scale is 0.979 (p< 0.001). The Cronbach’s alpha value is 0.945 and the test–retest correlation parameter is r = 0.793 (p< 0.001). In conclusion, it was determined by confirmatory factor analysis that the Communicative Rational Action Scale has a good cohesion criterion, and it is a valid and reliable assessment instrument.
Ahmet Çamlı; Florina Virlanuta; Bedrettin Palamutçuoğlu; Nicoleta Bărbuță-Mișu; Şeref Güler; Deniz Züngün. A Study on Developing a Communicative Rational Action Scale. Sustainability 2021, 13, 6317 .
AMA StyleAhmet Çamlı, Florina Virlanuta, Bedrettin Palamutçuoğlu, Nicoleta Bărbuță-Mișu, Şeref Güler, Deniz Züngün. A Study on Developing a Communicative Rational Action Scale. Sustainability. 2021; 13 (11):6317.
Chicago/Turabian StyleAhmet Çamlı; Florina Virlanuta; Bedrettin Palamutçuoğlu; Nicoleta Bărbuță-Mișu; Şeref Güler; Deniz Züngün. 2021. "A Study on Developing a Communicative Rational Action Scale." Sustainability 13, no. 11: 6317.
Generation Y wants to know the reason for everything in their lives, they are curious and most importantly, their characteristic of questioning everything makes them stand out. At the same time, it is hard to influence their characteristic features such as their lack of social skills, little respect for authority, and low level of commitment to their employers when Generation X management tactics are used. The purpose of this study is to better understand Generation Y, to examine their relations with servant leadership practices, and to determine what effects they have on businesses. The field study was made at an established organized industrial zone (OIZ) dating back to 1963. This OIZ is built on an area bigger than 10 million m2 and is divided into 5 subzones. It is currently home to 53,500 employees, has a gross foreign trade volume of $7,200,000,000 and is located in the western Aegean Region of Turkey. The data for the study was collected from 248 participants and scales tested for validity and reliability in Turkish. A model was developed using the data and then it was tested using the confirmatory factor analysis method. The study used Structural Equation Model (SEM) to define the causal relationships between latent variables with a model in the analysis of the data and test its compliance. The result of the analysis reveals that dimensions of accountability and forgiveness from servant leadership practices have a statistically significant effect on personal success, whereas empowerment, accountability, and personal success dimensions have statistically significant effects on job satisfaction. Modesty dimension does not have a significant effect on the personal success and job satisfaction and the dimensions of accountability and forgiveness do not have a significant effect on job satisfaction. In addition, empowerment dimension does not have a meaningful effect on personal success. There is need for more studies to support the accuracy of the result for modesty dimension, since it seems like there is no effect on personal success and job satisfaction. This is a pioneer study since it is an empirical one looking at the application of the servant leadership theory on Generation Y employees.
Hurriyet Bilge; Florina Virlanuta; Deniz Zungun; Nicoleta Barbuta-Misu; Pinar Comuk; Emine Guven. Generation Y’s Perception of Servant Leadership and Job Satisfaction. Economies 2021, 9, 24 .
AMA StyleHurriyet Bilge, Florina Virlanuta, Deniz Zungun, Nicoleta Barbuta-Misu, Pinar Comuk, Emine Guven. Generation Y’s Perception of Servant Leadership and Job Satisfaction. Economies. 2021; 9 (1):24.
Chicago/Turabian StyleHurriyet Bilge; Florina Virlanuta; Deniz Zungun; Nicoleta Barbuta-Misu; Pinar Comuk; Emine Guven. 2021. "Generation Y’s Perception of Servant Leadership and Job Satisfaction." Economies 9, no. 1: 24.
Combustion of fossil fuels (even biomass combustion) to produce energy and heat for the industry is the most important anthropogenic source of nitrogen oxides (NOx=NO+NO2). Although NO2 is not a greenhouse gas, it is the precursor to the formation of such a gas, namely tropospheric ozone. Energy-intensive industries contribute up to 45% to the global greenhouse gas emissions, so to keep global warming below 1.5 °C according to the Paris Agreement requirements, CO2 emissions must be close to zero by 2050, so the industrial sector must be decarbonized. All decisions on reducing pollutant emissions and not just those of CO2 (by capturing and storing them), will lead to lower fossil fuel consumption and will increase energy efficiency in the industry and reduce greenhouse gas (GHG) emissions. The paper analyzes the synergistic effects of pollutants (NO2, NO), emitted by industry energy use, and meteorological factors in the formation of tropospheric ozone at an industrial site using Pearson’s correlation. Pearson’s correlation showed that the ozone concentration was significantly correlated with NO2, NO pollutants and the meteorological factors. Among them, NO2, NO, and relative humidity were negatively correlated with the O3 concentration. We observed a significant positive correlation between solar radiations, air temperature and wind speed with O3 concentration during the study period.
Spiru Paraschiv; Nicoleta Barbuta-Misu; Simona Lizica Paraschiv. Influence of NO2, NO and meteorological conditions on the tropospheric O3 concentration at an industrial station. Energy Reports 2020, 6, 231 -236.
AMA StyleSpiru Paraschiv, Nicoleta Barbuta-Misu, Simona Lizica Paraschiv. Influence of NO2, NO and meteorological conditions on the tropospheric O3 concentration at an industrial station. Energy Reports. 2020; 6 ():231-236.
Chicago/Turabian StyleSpiru Paraschiv; Nicoleta Barbuta-Misu; Simona Lizica Paraschiv. 2020. "Influence of NO2, NO and meteorological conditions on the tropospheric O3 concentration at an industrial station." Energy Reports 6, no. : 231-236.
The banking sector plays an important role in the development of any economy. The performance of the loans in bank portfolios is a critical issue for the banking sector. The increased number of nonperforming loans (NPLs) after the financial crisis of 2008 has questioned the robustness of many banks and the stability of the entire sector. Our study aims to present the most important aspects related to NPLs and to investigate some macroeconomic determinant factors affecting the rate of NPLs in Romania. Based on a set of data for the period 2009–2019, the analysis of NPLs was made using linear regression. The results showed that all selected independent variables (exchange rates of the most used currencies (EUR, USD and CHF), unemployment rate, and inflation rate) have a significant impact on the dependent variable NPL. The study reveals strong correlations between NPLs and the macroeconomic factors studied and that the Romanian economy is clearly connected to the quality of the loan portfolios. Additionally, an econometric analysis of the empirical causes of NPLs shows that the RON–CHF exchange rate has been the main factor in increasing the NPL ratio in the last 5 years in Romania.
Teodor Hada; Nicoleta Bărbuță-Mișu; Iulia Iuga; Dorin Wainberg. Macroeconomic Determinants of Nonperforming Loans of Romanian Banks. Sustainability 2020, 12, 7533 .
AMA StyleTeodor Hada, Nicoleta Bărbuță-Mișu, Iulia Iuga, Dorin Wainberg. Macroeconomic Determinants of Nonperforming Loans of Romanian Banks. Sustainability. 2020; 12 (18):7533.
Chicago/Turabian StyleTeodor Hada; Nicoleta Bărbuță-Mișu; Iulia Iuga; Dorin Wainberg. 2020. "Macroeconomic Determinants of Nonperforming Loans of Romanian Banks." Sustainability 12, no. 18: 7533.
This study aims to analyze the nature of the dollarization that takes place in the Turkish economy and to decompose the factors that have contributed to its increase in recent years. With this purpose, we first identify the events that have significantly affected the dollarization trend in Turkey using the Iterative Cumulative Sum of Squares (ICSS) and Markov Switching Dynamic Regression (MS-Dynamic) structural break models. Then, we proceed to analyze the relationship between the percentage of Forex deposits of the residents over total deposits of the residents and the TRY/USD exchange rate using the Johansen cointegration test. USD, EUR, and TRY interest rates are also added to the model as independent variables to account for the effects of the difference between exchange rates. Long-term and short-term effects are tested with the Vector Error Correction Model, and causality is tested using the Granger causality test. The results of the study indicate that speculative trading is not the cause of the dollarization of deposits in Turkey. Additionally, results suggest that the political events have a stronger influence over dollarization compared to economic events. Collectively, our findings suggest that domestic citizens dollarize their deposits with the motivation to protect against political ambiguity rather than economic volatility. The results of the study are in line with the literature in the sense that they support the claim that dollarization can be averted in the short run with an increase in interest rates.
Nicoleta Bărbuță-Mișu; Tuna Can Güleç; Selim Duramaz; Florina Oana Virlanuta. Determinants of Dollarization of Savings in the Turkish Economy. Sustainability 2020, 12, 6141 .
AMA StyleNicoleta Bărbuță-Mișu, Tuna Can Güleç, Selim Duramaz, Florina Oana Virlanuta. Determinants of Dollarization of Savings in the Turkish Economy. Sustainability. 2020; 12 (15):6141.
Chicago/Turabian StyleNicoleta Bărbuță-Mișu; Tuna Can Güleç; Selim Duramaz; Florina Oana Virlanuta. 2020. "Determinants of Dollarization of Savings in the Turkish Economy." Sustainability 12, no. 15: 6141.
The process of organizational democracy involves a process of associating employees’ participation and satisfaction in business processes, increased innovation, increased stakeholder engagement and ultimately increased organizational performance. Organizations and the people that form the organization adapt democracy to achieve social and economic goals by making use of the blessings of democracy. In this way, they aim to reach their goals and to include all members of the organization in the process while achieving these goals, and to sustain the stability. The main purpose of this study is to analyze the democracy perceptions of blue and white collar employees in the private sector through organizational democracy scales, by using various variables and to contribute to the existing literature. The sample of the study constitutes 209 people, white and blue collar employees at various levels in medium and large scale enterprises in the Manisa Organized Industrial Zone in Turkey. As a result of the study, it is seen that married employees and employees who think that their expertise in the job is good have the power to criticize their businesses and exhibit participation. In addition, it has been concluded that employees that are high school graduates see management fairer in terms of salary than other graduates. Another finding in the study is about the size of the pre-work life centers of the workplace. Perceptions and attitudes of the people living in metropolitan and provincial center metros before work observed that more equality was observed in the workplaces than those living in the district centers.
Hurriyet Bilge; Nicoleta Barbuta-Misu; Deniz Zungun; Florina Oana Virlanuta; Huseyin Guven. Organizational Democracy in the Private Sector: A Field Research. Sustainability 2020, 12, 3446 .
AMA StyleHurriyet Bilge, Nicoleta Barbuta-Misu, Deniz Zungun, Florina Oana Virlanuta, Huseyin Guven. Organizational Democracy in the Private Sector: A Field Research. Sustainability. 2020; 12 (8):3446.
Chicago/Turabian StyleHurriyet Bilge; Nicoleta Barbuta-Misu; Deniz Zungun; Florina Oana Virlanuta; Huseyin Guven. 2020. "Organizational Democracy in the Private Sector: A Field Research." Sustainability 12, no. 8: 3446.
Assessment and estimation of bankruptcy risk is important for managers in decision making for improving a firm’s financial performance, but also important for investors that consider it prior to making investment decision in equity or bonds, creditors and company itself. The aim of this paper is to improve the knowledge of bankruptcy prediction of companies and to analyse the predictive capacity of factor analysis using as basis the discriminant analysis and the following five models for assessing bankruptcy risk: Altman, Conan and Holder, Tafler, Springate and Zmijewski. Stata software was used for studying the effect of performance over risk and bankruptcy scores were obtained by year of analysis and country. Data used for non-financial large companies from European Union were provided by Amadeus database for the period 2006–2015. In order to analyse the effects of risk score over firm performance, we have applied a dynamic panel-data estimation model, with Generalized Method of Moments (GMM) estimators to regress firm performance indicator over risk by year and we have used Tobit models to infer about the influence of company performance measures over general bankruptcy risk scores. The results show that the Principal Component Analysis (PCA) used to build a bankruptcy risk scored based on discriminant analysis indices is effective for determining the influence of corporate performance over risk.
Nicoleta Bărbuță-Mișu; Mara Madaleno. Assessment of Bankruptcy Risk of Large Companies: European Countries Evolution Analysis. Journal of Risk and Financial Management 2020, 13, 58 .
AMA StyleNicoleta Bărbuță-Mișu, Mara Madaleno. Assessment of Bankruptcy Risk of Large Companies: European Countries Evolution Analysis. Journal of Risk and Financial Management. 2020; 13 (3):58.
Chicago/Turabian StyleNicoleta Bărbuță-Mișu; Mara Madaleno. 2020. "Assessment of Bankruptcy Risk of Large Companies: European Countries Evolution Analysis." Journal of Risk and Financial Management 13, no. 3: 58.
This paper aims to investigate how financial variables and exogenous crises influence firms’ financial performance, and how these factors may help managers in decision-making to increase their firm’s wealth. The dynamic interactions among variables were studied by applying a panel vector autoregressive model using annual data for a sample of non-financial firms from European countries. Results indicate that liquidity, leverage and productivity positively affect firm performance, while solvency and asset turnover are positive and statistically significant only in the case of return on equity. Labour productivity induces that firms tend to display larger efforts to keep financial performance in face of a crisis, considering that the crisis reveals a negative statistical impact over return on assets.
Nicoleta Bărbuță-Mișu; Mara Madaleno; Vasile Ilie. Analysis of Risk Factors Affecting Firms’ Financial Performance—Support for Managerial Decision-Making. Sustainability 2019, 11, 4838 .
AMA StyleNicoleta Bărbuță-Mișu, Mara Madaleno, Vasile Ilie. Analysis of Risk Factors Affecting Firms’ Financial Performance—Support for Managerial Decision-Making. Sustainability. 2019; 11 (18):4838.
Chicago/Turabian StyleNicoleta Bărbuță-Mișu; Mara Madaleno; Vasile Ilie. 2019. "Analysis of Risk Factors Affecting Firms’ Financial Performance—Support for Managerial Decision-Making." Sustainability 11, no. 18: 4838.
Vasile Ilie; Florina-Adriana Stanica; Nicoleta Barbuta-Misu. The Determinants of the Financing Decision of Listed Companies on the Bucharest Stock Exchange. Annals of Dunarea de Jos University of Galati. Fascicle I. Economics and Applied Informatics 2019, 25, 48 -62.
AMA StyleVasile Ilie, Florina-Adriana Stanica, Nicoleta Barbuta-Misu. The Determinants of the Financing Decision of Listed Companies on the Bucharest Stock Exchange. Annals of Dunarea de Jos University of Galati. Fascicle I. Economics and Applied Informatics. 2019; 25 (2):48-62.
Chicago/Turabian StyleVasile Ilie; Florina-Adriana Stanica; Nicoleta Barbuta-Misu. 2019. "The Determinants of the Financing Decision of Listed Companies on the Bucharest Stock Exchange." Annals of Dunarea de Jos University of Galati. Fascicle I. Economics and Applied Informatics 25, no. 2: 48-62.
Trade credit is one of the most flexible short-term funding sources for companies and covers a significant part of the financial resources used by firms. Trade credit received makes available financial resources to achieve other economic objectives of the company. The managerial decision to increase or reduce trade credit offered and received or the collection and credit period is influenced by the company’s financial performance. The aim of this paper is to analyse the correlation between trade credit receivable/payable and collection/credit period and six measures of financial performance and find if these variables have any impact on the decision to use trade credit. To achieve this aim, we used a sample of 958 European firms from the construction sector which were analysed using correlation and OLS regression, separately on developed and emerging countries. The main results found are: trade credit offered/received is directly correlated with return on equity and firm size, and inversely correlated with return on assets; trade credit offered is directly correlated with current liquidity and long-term banking loans; trade credit received is directly correlated with liquidity ratio and inversely correlated with current liquidity and long-term banking loans; and trade credit offered is inversely correlated with liquidity ratio.
Nicoleta Bărbuţă-Mişu. Analysis of factors influencing managerial decision to use trade credit in construction sector. Economic Research-Ekonomska Istraživanja 2018, 31, 1903 -1922.
AMA StyleNicoleta Bărbuţă-Mişu. Analysis of factors influencing managerial decision to use trade credit in construction sector. Economic Research-Ekonomska Istraživanja. 2018; 31 (1):1903-1922.
Chicago/Turabian StyleNicoleta Bărbuţă-Mişu. 2018. "Analysis of factors influencing managerial decision to use trade credit in construction sector." Economic Research-Ekonomska Istraživanja 31, no. 1: 1903-1922.
Marius Sorin Dinca; Nicoleta Barbuta-Misu; Mara Madaleno; Gheorghita Dinca; Fitim Deari. Integrated Analysis of EU Construction Companies’ Financial Performances. Journal of Construction Engineering and Management 2017, 143, 04017002 .
AMA StyleMarius Sorin Dinca, Nicoleta Barbuta-Misu, Mara Madaleno, Gheorghita Dinca, Fitim Deari. Integrated Analysis of EU Construction Companies’ Financial Performances. Journal of Construction Engineering and Management. 2017; 143 (6):04017002.
Chicago/Turabian StyleMarius Sorin Dinca; Nicoleta Barbuta-Misu; Mara Madaleno; Gheorghita Dinca; Fitim Deari. 2017. "Integrated Analysis of EU Construction Companies’ Financial Performances." Journal of Construction Engineering and Management 143, no. 6: 04017002.
Solar water heating (SWH) systems can provide a significant part of the heat energy that is required in the residential sector. The use of SWH systems is motivated by the desire to reduce energy consumption and especially to reduce a major source of greenhouse gas (GHG) emissions. The purposes of the present paper consist in: assessing the solar potential; analysing the possibility of using solar energy to heat water for residential applications in Romania; investigating the economic potential of SWH systems; and their contribution to saving energy and reducing CO2 emissions. The results showed that if solar systems are used, the annual energy savings amount to approximately 71%, and the reduction of GHG emissions into the atmosphere are of 18.5 tonnes of CO2 over the lifespan of the system, with a discounted payback period of 6.8–8.6 years, in accordance with the savings achieved depending on system characteristics, the solar radiation available, ambient air temperature and on heating load characteristics. Financially, the installation of SWH systems determines net savings of 805–1151 Euro in a 25-year period in the absence of governmental subsidies. According to the sensitivity analysis, installing a SWH system with subsidies of up to 50% determines the reduction of the discounted payback period to 3.1–3.9 years and the increase of net savings to 1570–1916 Euro. These results indicate that investing in these systems is cost-effective for Romanian households as long as the governmental subsidies increase.
Alexandru Şerban; Nicoleta Bărbuţă-Mişu; Nicoleta Ciucescu; Simona Paraschiv; Spiru Paraschiv. Economic and Environmental Analysis of Investing in Solar Water Heating Systems. Sustainability 2016, 8, 1286 .
AMA StyleAlexandru Şerban, Nicoleta Bărbuţă-Mişu, Nicoleta Ciucescu, Simona Paraschiv, Spiru Paraschiv. Economic and Environmental Analysis of Investing in Solar Water Heating Systems. Sustainability. 2016; 8 (12):1286.
Chicago/Turabian StyleAlexandru Şerban; Nicoleta Bărbuţă-Mişu; Nicoleta Ciucescu; Simona Paraschiv; Spiru Paraschiv. 2016. "Economic and Environmental Analysis of Investing in Solar Water Heating Systems." Sustainability 8, no. 12: 1286.
Nicoleta Barbuta-Misu; Mihaela-Felicia Bodea. "The Relative Rates Of The Companies‘ Ability To Produce Benefits ". Annales Universitatis Apulensis Series Oeconomica 2014, 2, 26 -37.
AMA StyleNicoleta Barbuta-Misu, Mihaela-Felicia Bodea. "The Relative Rates Of The Companies‘ Ability To Produce Benefits ". Annales Universitatis Apulensis Series Oeconomica. 2014; 2 (16):26-37.
Chicago/Turabian StyleNicoleta Barbuta-Misu; Mihaela-Felicia Bodea. 2014. ""The Relative Rates Of The Companies‘ Ability To Produce Benefits "." Annales Universitatis Apulensis Series Oeconomica 2, no. 16: 26-37.
In this study, the bankruptcy risk of the companies acting in the Romanian building sector was evaluated. The main purpose of this paper is to present, using the scoring method, the classification of enterprises according to their financial performance into both successful and bankrupt companies, To achieve this goal, we used two well-known models: Conan & Holder, and Altman. Based on financial data for the period 2008–2012, we performed a comparative analysis of bankruptcy risk and noted that the same company could be classified differently by these two models. The results may constitute a landmark for Romanian companies in substantiating decisions and in order to analyze the financial failure from at least two perspectives.Key words: scoring method, failure risk, bankruptcy prediction, financial ratios, discriminant analysis
Nicoleta Bărbuţă-Mişu; Elena-Silvia Codreanu. ANALYSIS AND PREDICTION OF THE BANKRUPTCY RISK IN ROMANIAN BUILDING SECTOR COMPANIES. Ekonomika 2014, 93, 131 -146.
AMA StyleNicoleta Bărbuţă-Mişu, Elena-Silvia Codreanu. ANALYSIS AND PREDICTION OF THE BANKRUPTCY RISK IN ROMANIAN BUILDING SECTOR COMPANIES. Ekonomika. 2014; 93 (2):131-146.
Chicago/Turabian StyleNicoleta Bărbuţă-Mişu; Elena-Silvia Codreanu. 2014. "ANALYSIS AND PREDICTION OF THE BANKRUPTCY RISK IN ROMANIAN BUILDING SECTOR COMPANIES." Ekonomika 93, no. 2: 131-146.
The bankruptcy prediction of the enterprises is a great interest issue, which has continued such attention to researchers and specialists for several decades. This paper evaluates the risk of bankruptcy of a sample of 20 enterprises acting in the construction sector in Romania, in 2008. The bankruptcy risk is evaluated using 4 models: 2 models very well-known at the international level - Altman model (1968) with 5 variables and Conan & Holder model (1979) - and 2 models created taking into account the specificity of the Romanian business environment: the A model (2000) and the model of determining the financial performance developed especially for features of the enterprises acting in the construction sector (2008). The aim of this paper is to find a link or match between predictive power of the most used multi-factorial models of bankruptcy risk, taking into account the period in which they were created, the specific characteristics of the economy and industry.
Nicoleta Bărbuţă-Mişu; Vasile Mazilescu. Assessing the predictive power of the multifactorial models of the bankruptcy risk. Risk Governance and Control: Financial Markets and Institutions 2011, 1, 112 -123.
AMA StyleNicoleta Bărbuţă-Mişu, Vasile Mazilescu. Assessing the predictive power of the multifactorial models of the bankruptcy risk. Risk Governance and Control: Financial Markets and Institutions. 2011; 1 (1):112-123.
Chicago/Turabian StyleNicoleta Bărbuţă-Mişu; Vasile Mazilescu. 2011. "Assessing the predictive power of the multifactorial models of the bankruptcy risk." Risk Governance and Control: Financial Markets and Institutions 1, no. 1: 112-123.
The importance given to the problem of capital structure comes from the influence of debt on equity profitability (financial leverage) and the financial risk induced by debt. This paper is actually an analysis of the evolution of financial risk in the building sector during 2001–2008 on a sample of 11 enterprises in the Galati County, Romania. In this approach, we used information from the balance sheets of enterprises, provided by the Register of Commerce. To carry out this analysis two methods were used, which rely on the breakeven point and the leverage.Analysis of aggregate data reveal a low fluctuating trend of financial risk, which shows that by the end of 2008 the effects of the economic and financial crisis still have not been felt as much as statistics show in 2009. The conclusion that emerges from this study is that the world crisis produces major effects on the building sector, but they can be seen a bit later. The effects are disastrous for economy (lack of work, offs of staff, etc.), which is why the government began to seek solutions to relaunch this sector.p>
Nicoleta Barbuta. FINANCIAL RISK ANALYSIS IN THE BUILDING SECTOR:A CASE STUDY OF ROMANIA (GALATI COUNTY). Ekonomika 2010, 89, 67 -79.
AMA StyleNicoleta Barbuta. FINANCIAL RISK ANALYSIS IN THE BUILDING SECTOR:A CASE STUDY OF ROMANIA (GALATI COUNTY). Ekonomika. 2010; 89 (1):67-79.
Chicago/Turabian StyleNicoleta Barbuta. 2010. "FINANCIAL RISK ANALYSIS IN THE BUILDING SECTOR:A CASE STUDY OF ROMANIA (GALATI COUNTY)." Ekonomika 89, no. 1: 67-79.