This paper aims to examine the awareness and perceptions of depositors in Bosnia and Herzegovina regarding the features of investment deposits in Islamic finance. It evaluates the contribution of mudarabah-based deposits to the financial inclusion of Muslims and identifies factors influencing clients' decisions to place their funds in Islamic banks. The study employs a quantitative research methodology, utilizing an online survey distributed via LimeSurvey to collect primary data. The survey targeted bank clients in Bosnia and Herzegovina, and a non-random convenience sample was obtained by promoting the survey link on a Facebook page aimed at users in the region. Paid advertising was used to enhance visibility, and direct outreach was conducted in cities with Islamic bank branches to ensure a representative sample. The survey included questions on demographic information, awareness of investment deposits, understanding of Islamic finance, and attitudes towards banking risks and returns. The structured nature of the survey allowed for effective data collection and analysis to identify knowledge gaps and depositor attitudes. The findings reveal that a significant portion of respondents lack adequate knowledge about investment deposits, posing a critical barrier to their effective use for mobilizing savings and enhancing financial inclusion. Muslim clients identify interest as a significant hurdle to saving in conventional banks, with similar expectations and risk aversion observed in Islamic banking investment accounts. This research underscores the potential role of investment deposits in advancing financial inclusion by addressing knowledge gaps and examining factors influencing clients' decision-making processes. It highlights the need for increased awareness and education about investment deposits to facilitate their wider adoption among depositors, enhancing the understanding of leveraging Islamic finance principles to promote financial inclusion and meet the unique needs of Islamic savers and investors in Bosnia and Herzegovina.

Current research on entrepreneurial orientation is mostly from a firm-level perspective, focuses on developed countries, and recent studies treat entrepreneurial orientation as a uni-dimensional construct. Studies on entrepreneurial orientation from a generational perspective mostly use a comparison between two groups (young and old) and neglect the well-accepted classification of generational cohorts. This study therefore examines the individual dimensions of entrepreneurial orientation (risk-taking, innovativeness and proactivity) among the Baby Boomers, Generations X, Y, and Z in Bosnia and Herzegovina. Data were collected through a cross-sectional survey that yielded a sample of 1,082 adults from Bosnia and Herzegovina. One-way analysis of variance with Brown-Forsythe, Welch’s F, and least significant post-hoc tests were used to test the hypotheses. The results show some evidence that individual entrepreneurial orientation varies significantly between generations, at different levels of significance. Risk-taking generally decreases with older generations, as does innovativeness, except when comparing Generations X and Y, while proactiveness increases with older generations. The study provides valuable information for future entrepreneurs, business incubators and potential investors.

Purpose This study aims to investigate the relationship between age and entrepreneurial and intrapreneurial intentions considering the mediating role of individual entrepreneurial orientation (IEO) dimensions (risk-taking, innovativeness and proactiveness). Design/methodology/approach The data were collected from 782 individuals from Bosnia and Herzegovina’s working-age population using a cross-sectional survey design. Hypotheses were tested via structural equation modeling. Findings Younger individuals have significantly higher intentions for entrepreneurship and intrapreneurship than older individuals. The mediating role of IEO was partially supported in the case of the relationship between age and entrepreneurial intention as well as age and intrapreneurial intention. While risk-taking and innovativeness partially mediate the relationship, proactiveness does not. Originality/value This study takes a comprehensive approach when examining the relationship between age and entrepreneurial/intrapreneurial intentions in a developing economy while considering the indirect effects of IEO dimensions.

Bosnia and Herzegovina is ranked 73rd in the Global Gender Gap Index 2022. A questionable democratisation process, ethnonationalism, and changes in the political culture strongly affected gender equality, participation, and representation in Bosnia and Herzegovina. This article tackles the impact of preferential voting on the representation of women in the local councils following the last Local Elections in Bosnia and Herzegovina. The effect of gender quotas and placement mandates are examined across the following determinants: electoral unit magnitude, local community urbanisation rate, ethnic composition of municipalities, and ideological foundation of political parties. To test the main objectives and research questions, this paper examines the impact of preferential voting on gender political representation. A complete dataset for all candidates and municipalities of the 2020 Local Elections, officially released by the State Election Commission, was used. The descriptive analysis indicates that 19.86% of women candidates have been elected to the local councils. With regards to the residence, female candidates from rural areas have a lower tendency of being elected than candidates from highly urban municipalities. Regarding ethnicity, the number of seats won by female candidates was the largest for candidates with a Serb majority, followed by the Bosniak and the Croat ones. When considering political orientation, female candidates from parties with centrist political orientation have a higher tendency of being elected, closely followed by female candidates from parties with a leftist orientation.  Keywords: Gender Gap; Preferential Voting; Representation; Electoral Systems; 2020 Local Elections; Bosnia and Herzegovina

This study analyzes financial literacy in Bosnia and Herzegovina by considering three areas: interest, inflation, and diversification, with financial literacy as a multi-dimensional construct consisting of financial knowledge and financial skills. Using a cross-sectional questionnaire-based survey, 638 valid responses were collected from working-age individuals (18-65 years old). Financial knowledge and skills were analyzed through a prism of several demographic factors, including age, education, household income, and gender. Welch's F tests, ANOVA with Brown-Forsythe, LSD post hoc tests, and Welch's t-tests were performed to test the hypotheses. The findings provide evidence of moderate financial literacy. Similarly to previous studies, financial knowledge and skills partially depend on the respondent's age, education, household income, and gender. The study contributes to the current literature by taking a much-needed non-functional approach to examining financial literacy, focusing not only on financial knowledge but also on often neglected financial skills and providing insight into the unique context of Bosnia and Herzegovina.

This study investigates the entrepreneurial and intrapreneurial intentions of the working-age population in Bosnia and Herzegovina by considering a set of demographic and entrepreneurial background factors. Using a cross-sectional survey design, 782 responses were collected. To test hypotheses, confirmatory factor analysis, Welch's t-test, one-way variance analysis with Brown-Forsythe, Welch's F, and least square difference post hoc tests were used. The results suggest several theoretical and practical implications. First, entrepreneurial and intrapreneurial intentions are statistically different constructs. Second, there were mixed results regarding demographic factors where age is a significant differentiator in entrepreneurial and intrapreneurial intentions, experience and education are partial, while gender is insignificant. Third, concerning entrepreneurial background factors, both entrepreneurial education and family are significant differentiators in entrepreneurial and intrapreneurial intentions. Finally, the study contributes to the current state of knowledge by empirically demonstrating divergence between entrepreneurial and intrapreneurial intentions, extending the comparative research to the working-age population, and providing implications within the context of Bosnia and Herzegovina.