We analyzed the efficiency of the insurance industry in Bosnia and Herzegovina (BiH) in the period from 2015 to 2019 in order to identify good and bad practices, sources of inefficiency and to propose guidelines for the necessary efficiency improvements based on the results. Efficiency measurement was performed using the nonparametric Data Envelopment Analysis (DEA) technique as the most commonly used tool for efficiency analysis in finance. We used one output and two input variables according to the input-oriented approach assuming a variable return to scale (VRS). Empirical research was conducted on all insurance companies from BiH, which are grouped according to the size of assets, type of insurance, and headquarters in order to determine whether there are differences in the efficiency of insurance companies in terms of their size, type of insurance, or depending on whether it operates in the Federation of Bosnia and Herzegovina (FBiH) or Republic of Srpska (RS). The results of the analysis indicate significant inefficiencies in the insurance sector in BiH, but also differences among the observed groups. The insurance sector is more efficient in FBiH compared to RS, and insurance companies in the composite insurance market are significantly more efficient than companies in the non-life insurance market. Finally, the research has showed a relatively high level of positive correlation between the size of an insurance company and its efficiency. According to all efficiency indicators, there is significant potential for efficiency improvement. Based on the analysis, the main causes of inefficiency were identified and guidelines for improving efficiency were proposed.

The attainment of reading and basic mathematical skills is one of the most important academic goals in early grades of elementary school. A plethora of studies has shown the importance of these skills to future academic achievements and professional career. The goal of this study was to determine the correlation of reading and mathematics in third-grade elementary school students in Canton Sarajevo. An additional goal was to determine if there are differences in the proportion of academic underachievement in relation to the student’s gender. The sample for this study consisted of 70 third-grade students (33 girls, 37 boys, mean age- 103,1 months, SD- 5,6 months) attending two elementary schools in Canton Sarajevo. Results of this study indicated that reading and mathematics share 25% of the variance in the scores. The cor[1]relation between reading and mathematics was r = 0,50, p<0,01. There were more boys in the category of academic underachievement in both, reading and mathematics. However, statistically significant differences in the distribution of students were present only for reading and not for mathematics. Identification of cognitive factors that contribute to reading attainment and mathematical skills will help teachers create better intervention programs. The article ends with some recommendations for teachers on how to improve these academic skills in their students><0,01. There were more boys in the category of academic underachievement in both, reading and mathematics. However, statistically significant differences in the distribution of students were present only for reading and not for mathematics. Identification of cognitive factors that contribute to reading attainment and mathematical skills will help teachers create better intervention programs. The article ends with some recommendations for teachers on how to improve these academic skills in their students

The aim of this study was to determine metric characteristics of the Test of Gross Motor Development (TGMD 3). The study included 146 children from Bosnia and Herzegovina, aged 3-10,4 (6,80 ± 2,23 years; 46,6% male; 53,4% females). Based on the obtained research results it can be concluded that Test of Gross Motor Development (TGMD-3) has satisfactory reliability and internal consistency for children aged 3 to 10 years. Mutual correlations confirm the homogenity of the scale. Based on results of Kolmogorov-Smirnov test, Test of Gross Motor Development is not sensitive for subjects included in this study. The obtained results of the confirmatory factor analysis of this model show a partial agreement of the assumed model with the data ( h2 = 108.17, df = 64, h2 / df = 1.69, TLI = 0.86, CFI = 0.72, NFI = 0.72., RMSEA = 0.07 CI = 0.04-0.09). The data was analyzed with the SPSS 20 software (with the AMOS package). The limitations in the research are the respondents, because due to the epidemiological situation caused by COVID 19, a convenience sample of respondents was selected. Key words: Motor development, TGMD 3, childhood, reliability, confirmatory factor analysis.

We are all online. We rarely leave our homes - only when necessary, even though, at times, the prescribed measures allow us to do so. Our daily routines are embedded in video calls and performed online. Household members are forced to stay together now more than ever, but at the same time, all of them need space to study and work. A sudden transition from classrooms to Zoom rooms is forcing us to rethink the entire educational system: New educational grammar is needed! The need for additional insulation inside apartments has become a reality. A wardrobe turns into a study, and nature becomes our balcony. How aware are we of the current changes in our living spaces? Can we use architecture to establish a dialogue with contemporary issues and events, and provide critical solutions that would make the spaces we live in better? New spatial grammar is needed! The Covid-19 pandemic and rapid digitalisation have impacted architecture that has traditionally been a very slow discipline which uses specific tools with manual designing and thinking processes. Architectural education has seen demand-driven changes in the learning process through the years. Following the switch from the system inherited from the socialist period to the Bologna system, the impact of the pandemic has called for the need to conform to changes in teaching methods and understanding of space.