Olha Popelo

During the full-scale war, educational institutions of Ukraine were at the epicenter of hostilities and suffered from attacks and bombing by the russian army: many schools, colleges, and universities were destroyed or damaged, and tens of thousands of students and teachers became refugees or forced displaced persons, lost their property and housing. Chernihiv Polytechnic National University (CPNU), located in the northern border region of Ukraine, was also significantly affected.
This study aims to systematize the features of the functioning of CPNU under siege, bombing, and shelling. An analytical method was used to assess statistical reports available in open access on the official websites of CPNU and the Ministry of Education and Science of Ukraine. The paper identified that during active hostilities, 25% of the university’s infrastructure was destroyed by shelling and bombing; 37 teachers and researchers emigrated; about 4% of students stopped their studies. Currently, CPNU suffers from loss of human capital, physical destruction of educational and research infrastructures, lack of R&D financing, increased cyber security threats, and violation of the educational process. In response to military challenges, the university management rethinks and forms a new vision for further development based on sustainability principles to recover educational and research infrastructures, promote human capital development, and modernize the learning environment. The new vision of CPNU integrates “7R” principle – seven key pillars covering different directions of its operation (teaching, research, innovation, international activity, etc.).

The development of Ukraine’s credit market occurs under periodic economic crises. Available destructive processes inhibit the development of credit relations, negatively affecting the lending of economic entities and restraining the development of the national economy. This study aims to highlight the basic transformations in the development of the credit market of Ukraine, which are formed in macroeconomic instability. The economic development trends in Ukraine were assessed using classical statistical methods. The correlation regression analysis was used to analyze the influence of macroeconomic parameters (exchange rate, average salary, and cost of loans) on the volume of bank lending. The results show that the national economy of Ukraine during 2005–2021 developed in the conditions of periodic macroeconomic instability, and the pre-crisis (an indicator of 2013) parameters of bank lending volumes have not restored within the credit market. The paper stresses the significant impact of the COVID-19 pandemic: in 2020, the volume of bank lending decreased by 10.38 billion USD. Moreover, the econometric analysis of the influence of specific macroeconomic parameters (exchange rate, average salary, and cost of loans) on the development of bank lending in Ukraine demonstrated that the stability of the national currency exerts the greatest influence on the lending processes of economic entities in Ukraine. Its provision in the long term allows the creation of favorable conditions for the credit market functioning after the shock periods.

Acknowledgment
This study is conducted within the framework of the scientific project “Transformation of the households’ behavior in the financial services market in the context of digitalization” with the support of the Ministry of Education and Science of Ukraine.

Modern higher education institutions in developed countries are becoming active agents of permanent societal changes. The aim of the study is to map the scientific landscape on the topic of higher education for sustainable development in the context of digitalization. In the research process, bibliometric analysis, an in-built Scopus instrument, and VOSviewer were used. The findings proved that the severe restrictions faced by universities during the COVID-19 pandemic became a powerful impulse to intensify the attention of scientists to the mentioned topic. Visualization maps of keywords and scientific publications showed the existing interdisciplinary nature and the main thematic directions of research on higher education for sustainable development in the digital era. They demonstrated a direct connection between the basic principles of the sustainable development concept, sustainable development goals, higher education, universities, digitization, and digital technologies. The largest number of works on the specified subject belong to scientists from China, Spain, the Czech Republic, Germany, and Ukraine. The study concluded that future publications in the analyzed field would cover the effectiveness of digital technologies in higher education, the development of competencies for the digital economy, inclusiveness, cybersecurity, as well as ethical aspects of the use of technologies to achieve the global sustainable development goals.

Acknowledgment
This analysis is carried out within the framework of the scientific project “Model of the Post-War Recovery of Border Universities of Ukraine in the Digitalization Era Under the Sustainable Development Concept” with the support of the Ministry of Education and Science of Ukraine (Order No 1190 dated 30.12.2022).

The COVID-19 pandemic has had a detrimental effect on the global economy, including the insurance industry. It has forced financial markets to confront a new risk directly related to the virus’s rapid spread. Therefore, the paper aims to determine possible risks or opportunities that insurance companies may encounter, considering both pre- and post-pandemic phases. For this purpose, financial data of 110 Romanian insurance companies for 2016–2022 were analyzed. The topfirme platform was used in the data collection process. Subsequently, based on statistical analysis methods, an econometric model was developed to evaluate the turnover for insurance companies in Romania. When developing the model equation, establishing dependent and independent variables based on the Altman model or the Z-model of bankruptcy prediction was considered. Thus, the findings indicate that employees are the primary factor in these businesses’ proper operation and increased profitability. It is emphasized that turnover directly depends on these variables since the number of employees is a variable around which incomes and expenses fluctuate. Turnover is affected positively or negatively depending on employee productivity and workload, which can lead to increased revenues and decreased costs, or vice versa. Accordingly, an insurance company’s HR department should resolve issues that crop up during the shift to telemedicine, enhance workers’ digital skills, provide them with moral and psychological support, and foster stable working relationships. It should also implement strategies to sustain and raise employee engagement levels, fortify control measures, and alter internal communications.