Loncaric, Ruzica; Nikolin, Iva; Ravnjak, Boris; Nemet, Franjo; Ivezic, Vladimir; Milkovic, Sanja Jelic; Vukovic, Rosemary; Rebekic, Andrijana; Loncaric, Zdenko / 88 Economic and Social Development, International Scientific Conference on Economic and Social Development 65 (2022) / Economic and Social Development, International Scientific Conference on Economic and Social Development, Vol. 88, pp. 65-74