This research explores most dominant lending product to population of Bosnia and Herzegovina, a consumer loan, with aim to answer the question of what factors trigger loan repayment failure. It explores relation of borrower characteristics such as gender, age, level of indebtness to likeliness of loan repayment by use of probit on banking data sample representing 39% of the market share in the country. It identifies factors which lead to loan repayment failure and also provides exact empirical model for default prediction at loan approval stage. Main audience of this research should be banks, which could use the finding of the study to adjust their credit policies and risk appetite to ensure that lending losses from this strongly present product are minimized, thus leading to stable and financially sound banking sector.

Objective: Stem cells could be defined as cell with an extraordinary capacity for self-renewal and the ability to differentiate into different cell types. The aim of this study is to examine students' opinion about the use of stem cells as health technologies in disease treatment and radical life extension. Method: Prospective cross-sectional study was conducted as a questionnaire, which was filled anonimly and voluntarily. Results: In this study 655 respondents have participated, with an average age 21.9±}1.8 years. High percentage distribution was concluded with most of the statements, with especially positive attitude towards the preservation of stem cells for their own treatment (84.2%), and treatment of their families (85.4%). Dominantly neutral attitude was expressed according to a statement about the reliability of stem cells and doubts about their implementation.(49.4%).There was no statistically significant difference in students' opinion between different faculties. Conclusion: It is important to evaluate students' opinion because it can obtain information on how the respondents agree with the potential implementation of health technology in the future and, accordingly, whether it is justified to continue further research. We should be more dedicated to informing students in the future, and this type of research should be implemented on a wider population to obtain the relevant results and perform more reliable conclusion.

The aim of the study was to determine the presence of risk factors for developing hypertension in the University of Belgrade student population whose faculties do not provide the opportunity to learn about these factors. A cross-sectional study was conducted during November and December 2015 at the Faculty of Mechanical Engineering, the Faculty of Electric Engineering and the Faculty of Law. The respondents filled in a questionnaire, which was approved by the Ethics Committee for bio-medical research from the Faculty of Pharmacy. The study included 487 students. 56.7% were male students. Most of the respondents studied Law (210), followed by Mechanical Engineering (168) and Electrical Engineering (109). 75.8% of respondents consumed salty snacks, while 34.5% of them changed their habits of consuming snacks during the examination period. Fish was consumed less than once a week by 39.8% of the respondents, whereas 19.9% of them consumed candies every day. 63.9% consumed fast food. Energy drinks were not consumed by the majority (52.2%), while 22.4% only consumed them before an exam. The research results indicated the presence of reversible risk factors in the examined student population. In order to prevent the development of hypertension in the elderly population and reduce the number of risk factors present, it is necessary to develop educational programs for proper diet and adequate intake of food groups.