{"id":241454,"date":"2021-11-08T16:11:30","date_gmt":"2021-11-08T15:11:30","guid":{"rendered":"https:\/\/effectus.com.hr\/lecturers-and-associates\/darko-horvatin\/"},"modified":"2025-09-25T13:55:59","modified_gmt":"2025-09-25T12:55:59","slug":"darko-horvatin","status":"publish","type":"page","link":"https:\/\/effectus.com.hr\/en\/lecturers-and-associates\/darko-horvatin\/","title":{"rendered":"Darko Horvatin"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; disabled_on=&#8221;off|off|off&#8221; module_class=&#8221;eff-nastavnici-naslov&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#777a7e&#8221; background_image=&#8221;https:\/\/effectus.com.hr\/wp-content\/uploads\/2015\/12\/novosti-.head_stock-photo-visual-contents-concept-social-networking-service-streaming-video-global-communication-network-1896527446.jpg&#8221; custom_padding=&#8221;20px||20px||true|false&#8221; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;1170px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Novosti&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#FFFFFF&#8221; text_font_size=&#8221;43px&#8221; header_text_color=&#8221;#FFFFFF&#8221; header_font_size=&#8221;52px&#8221; header_4_text_color=&#8221;#FFFFFF&#8221; header_4_font_size=&#8221;23px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Lecturers<\/h1>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; module_class=&#8221;eff-nastavnici&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;2_5,3_5&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;1170px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/effectus.com.hr\/wp-content\/uploads\/2021\/11\/dh.jpg&#8221; title_text=&#8221;dh&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; width=&#8221;100%&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text disabled_on=&#8221;on|on|on&#8221; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;1.8em&#8221; header_3_font=&#8221;|700|||||||&#8221; header_3_text_color=&#8221;#0065b3&#8243; header_3_font_size=&#8221;34px&#8221; custom_margin=&#8221;||19px|||&#8221; disabled=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<div class=\"gdlr-core-pbf-element\">\n<div class=\"gdlr-core-title-item gdlr-core-item-pdb clearfix gdlr-core-left-align gdlr-core-title-item-caption-bottom gdlr-core-item-pdlr\">\n<div class=\"gdlr-core-title-item-title-wrap clearfix\">\n<h3 class=\"gdlr-core-personnel-list-title\"><a href=\"https:\/\/effectus.com.hr\/en\/lecturers-and-associates\/darko-horvatin\/\">Darko Horvatin<\/a><\/h3>\n<\/div>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][et_pb_blurb title=&#8221;darko.horvatin@hmid.hr&#8221; use_icon=&#8221;on&#8221; font_icon=&#8221;&#xe076;||divi||400&#8243; icon_color=&#8221;#0065b3&#8243; icon_placement=&#8221;left&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; header_text_color=&#8221;#0065b3&#8243; header_font_size=&#8221;16px&#8221; header_line_height=&#8221;2.2em&#8221; custom_margin=&#8221;||12px|||&#8221; link_option_url=&#8221;mailto:darko.horvatin@hmid.hr&#8221; custom_css_blurb_content=&#8221;padding-left: 11px !important;&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_blurb][et_pb_blurb title=&#8221;CroRIS ID&#8221; use_icon=&#8221;on&#8221; font_icon=&#8221;&#xf47f;||fa||900&#8243; icon_color=&#8221;#0065b3&#8243; icon_placement=&#8221;left&#8221; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; header_text_color=&#8221;#0065b3&#8243; header_font_size=&#8221;16px&#8221; header_line_height=&#8221;2.2em&#8221; custom_margin=&#8221;||12px|||&#8221; link_option_url=&#8221;https:\/\/www.croris.hr\/osobe\/profil\/27099&#8243; custom_css_blurb_content=&#8221;padding-left: 11px !important;&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_blurb][et_pb_blurb title=&#8221;Google Scholar&#8221; use_icon=&#8221;on&#8221; font_icon=&#8221;&#xf501;||fa||900&#8243; icon_color=&#8221;#0065b3&#8243; icon_placement=&#8221;left&#8221; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; header_text_color=&#8221;#0065b3&#8243; header_font_size=&#8221;16px&#8221; header_line_height=&#8221;2.2em&#8221; custom_margin=&#8221;||12px|||&#8221; link_option_url=&#8221;https:\/\/scholar.google.com\/citations?user=DYxgFtsAAAAJ&#038;hl=en&#8221; custom_css_blurb_content=&#8221;padding-left: 11px !important;&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_blurb][et_pb_divider show_divider=&#8221;off&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;1.8em&#8221; header_3_font=&#8221;|700|||||||&#8221; header_3_text_color=&#8221;#0065b3&#8243; header_3_font_size=&#8221;34px&#8221; custom_margin=&#8221;||19px|||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Courses<\/h3>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;1.8em&#8221; header_3_font=&#8221;|700|||||||&#8221; header_3_text_color=&#8221;#0065b3&#8243; header_3_font_size=&#8221;34px&#8221; header_4_font=&#8221;|700|||||||&#8221; header_4_text_color=&#8221;#0065b3&#8243; header_4_font_size=&#8221;25px&#8221; custom_margin=&#8221;||2px|||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<div class=\"gdlr-core-pbf-element\">\n<div class=\"gdlr-core-title-item gdlr-core-item-pdb clearfix gdlr-core-left-align gdlr-core-title-item-caption-bottom gdlr-core-item-pdlr\">\n<div class=\"gdlr-core-title-item-title-wrap clearfix\">\n<h3 class=\"gdlr-core-personnel-list-title\"><a href=\"https:\/\/effectus.com.hr\/en\/lecturers-and-associates\/darko-horvatin\/\">Darko Horvatin, <\/a><a href=\"https:\/\/effectus.com.hr\/en\/lecturers-and-associates\/darko-horvatin\/\">Ph.D. <\/a><\/h3>\n<h3 class=\"gdlr-core-personnel-list-title\">\u00a0<\/h3>\n<\/div>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||on||||||&#8221; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;1.6em&#8221; custom_margin=&#8221;||-2px|||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Lecturer<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p class=\"\" data-start=\"31\" data-end=\"612\"><strong data-start=\"31\" data-end=\"57\">Dr. sc. Darko Horvatin<\/strong> was born on February 14, 1968, in Letov\u010dan Novodvorski, Klanjec. In 1988, he graduated from the Faculty of Economics in Zagreb, specializing in International Trade. In 2003, he earned a Master&#8217;s degree in Economics from the same faculty. His thesis was titled <em data-start=\"318\" data-end=\"402\">&#8220;The Impact of Foreign Direct Investments on the Competitiveness of Goods Exports&#8221;<\/em>. He defended his doctoral dissertation on <em data-start=\"445\" data-end=\"566\">&#8220;The Impact of Different Forms of Foreign Direct Investment on Economic Growth in Relation to the Degree of Innovation&#8221;<\/em> in 2018 at the Faculty of Economics in Split.<\/p>\n<p class=\"\" data-start=\"614\" data-end=\"1049\">By the decision of the Maternal Committee for Social Sciences in 2020, he was elected to the scientific rank of scientific associate in the scientific field of social sciences \u2013 economics. By the decision of the Professional Council of EFFECTUS, Business Studies \u2013 Higher Education Institution, on November 30, 2021, he was elected to the academic rank of lecturer (title without employment) in the field of social sciences, economics.<\/p>\n<p class=\"\" data-start=\"1051\" data-end=\"1176\">He has passed the exam for investment advisor, licensed pension fund manager, and licensed pension insurance company manager.<\/p>\n<p class=\"\" data-start=\"1178\" data-end=\"1577\">He has worked in several domestic and international financial and investment institutions in various roles (from credit officer to CEO). Since 2011, he has been employed at the Croatian Pension Investment Company d.o.o. for managing alternative investment funds, where he initially held the position of a member of the Management Board and, since 2016, has been the Chairman of the Management Board.<\/p>\n<p class=\"\" data-start=\"1579\" data-end=\"1968\">He has further specialized by attending professional seminars both in Croatia and abroad. He is the author of several scientific and professional papers related to financial markets. He has extensive experience in corporate governance as a member of supervisory and audit boards. He is a member of the management board of the Croatian Private Equity and Venture Capital Association (CVCA).<\/p>\n<p data-start=\"1970\" data-end=\"2011\">List of Works in the Last Five Years:<\/p>\n<p class=\"\" data-start=\"2013\" data-end=\"2035\"><strong data-start=\"2013\" data-end=\"2035\">Scientific Papers:<\/strong><\/p>\n<ul data-start=\"2037\" data-end=\"3287\">\n<li class=\"\" data-start=\"2037\" data-end=\"2363\">\n<p class=\"\" data-start=\"2039\" data-end=\"2363\">Horvatin, Darko; Derado, Dra\u017een; Rukavina, Ivana (2024). <em data-start=\"2096\" data-end=\"2202\">Sustainability of the Pension System of the Republic of Croatia in the Medium Term: Time Series Analysis<\/em> \/\/ 32nd Traditional Conference <em data-start=\"2234\" data-end=\"2270\">Economic Policy of Croatia in 2025<\/em>, Ba\u010di\u0107, Katarina; Kova\u010d, Ivana (eds.), Zagreb: Croatian Economic Society, 2024, pp. 132-153.<\/p>\n<\/li>\n<li class=\"\" data-start=\"2364\" data-end=\"2640\">\n<p class=\"\" data-start=\"2366\" data-end=\"2640\">Horvatin, Darko; Derado, Dra\u017een (2023). <em data-start=\"2406\" data-end=\"2506\">Challenges of Market-Oriented Pension Insurance Systems &#8211; The Case of Southeast European Countries<\/em> \/\/ <em data-start=\"2510\" data-end=\"2546\">Economic Policy of Croatia in 2024<\/em>, Ba\u010di\u0107, Katarina; Je\u017eovita, Ana (eds.), Zagreb: Croatian Economic Society, 2023, pp. 135-155.<\/p>\n<\/li>\n<li class=\"\" data-start=\"2641\" data-end=\"2865\">\n<p class=\"\" data-start=\"2643\" data-end=\"2865\">Derado, Dra\u017een; Horvatin, Darko (2023). <em data-start=\"2683\" data-end=\"2754\">FDI and Economic Growth \u2013 Perspective of Southeast European Countries<\/em> \/\/ <em data-start=\"2758\" data-end=\"2811\">Zagreb International Review of Economics &amp; Business<\/em>, 26 (2023), 1; 119-146. doi: 10.2478\/zireb-2023-0006.<\/p>\n<\/li>\n<li class=\"\" data-start=\"2866\" data-end=\"3080\">\n<p class=\"\" data-start=\"2868\" data-end=\"3080\">Horvatin, Darko (2019). <em data-start=\"2892\" data-end=\"2996\">Foreign Direct Investment and Economic Growth: Taking Stock of the Current State of Empirical Research<\/em> \/\/ <em data-start=\"3000\" data-end=\"3021\">Business Excellence<\/em>, 13 (2019), 2; 179-201. doi: 10.22598\/pi-be\/2019.13.2.179.<\/p>\n<\/li>\n<li class=\"\" data-start=\"3081\" data-end=\"3287\">\n<p class=\"\" data-start=\"3083\" data-end=\"3287\">Derado, Dra\u017een; Horvatin, Darko (2019). <em data-start=\"3123\" data-end=\"3238\">Does FDI Mode of Entry Have an Impact on the Host Country&#8217;s Labour Productivity?: An Analysis of the EU Countries<\/em> \/\/ <em data-start=\"3242\" data-end=\"3260\">Economic Journal<\/em>, XXXII (2019), 2; 405-423.<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" data-start=\"3289\" data-end=\"3313\"><strong data-start=\"3289\" data-end=\"3313\">Professional Papers:<\/strong><\/p>\n<ul data-start=\"3315\" data-end=\"6973\">\n<li class=\"\" data-start=\"3315\" data-end=\"3438\">\n<p class=\"\" data-start=\"3317\" data-end=\"3438\">Horvatin, D. (2019). <em data-start=\"3338\" data-end=\"3378\">Global Economy: Recession Ante Portas?<\/em>, <em data-start=\"3380\" data-end=\"3394\">Perspectives<\/em>, ISSN 1848-140x, Vol. 9, No. 1-2, pp. 5-10.<\/p>\n<\/li>\n<li class=\"\" data-start=\"3439\" data-end=\"3622\">\n<p class=\"\" data-start=\"3441\" data-end=\"3622\">Horvatin, D. (2019). <em data-start=\"3462\" data-end=\"3562\">Innovation and Foreign Direct Investments (FDI): Technological Innovation as a Performance Measure<\/em>, <em data-start=\"3564\" data-end=\"3578\">Perspectives<\/em>, ISSN 1848-140x, Vol. 9, No. 1-2, pp. 5-10.<\/p>\n<\/li>\n<li class=\"\" data-start=\"3623\" data-end=\"3752\">\n<p class=\"\" data-start=\"3625\" data-end=\"3752\">Horvatin, D. (2019). <em data-start=\"3646\" data-end=\"3692\">Monetary Policy: The Cure Turned into Poison<\/em>, <em data-start=\"3694\" data-end=\"3708\">Perspectives<\/em>, ISSN 1848-140x, Vol. 9, No. 3-4, pp. 5-10.<\/p>\n<\/li>\n<li class=\"\" data-start=\"3753\" data-end=\"3929\">\n<p class=\"\" data-start=\"3755\" data-end=\"3929\">Horvatin, D. (2020). <em data-start=\"3776\" data-end=\"3867\">Financing the Reconstruction of Zagreb: A Historic Opportunity for the City\u2019s Renaissance<\/em>, <em data-start=\"3869\" data-end=\"3883\">Perspectives<\/em>, ISSN 1848-140x, Vol. 10, No. 1-2, pp. 19-24.<\/p>\n<\/li>\n<li class=\"\" data-start=\"3930\" data-end=\"4072\">\n<p class=\"\" data-start=\"3932\" data-end=\"4072\">Horvatin, D. (2020). <em data-start=\"3953\" data-end=\"4010\">Pandemic Recession: The Weakening of the Global Economy<\/em>, <em data-start=\"4012\" data-end=\"4026\">Perspectives<\/em>, ISSN 1848-140x, Vol. 10, No. 3-4, pp. 19-24.<\/p>\n<\/li>\n<li class=\"\" data-start=\"4073\" data-end=\"4214\">\n<p class=\"\" data-start=\"4075\" data-end=\"4214\">Horvatin, D. (2020). <em data-start=\"4096\" data-end=\"4150\">Credit Rating Agencies: Global Financial Influencers<\/em>, <em data-start=\"4152\" data-end=\"4166\">Perspectives<\/em>, ISSN 1848-140x, Vol. 10, No. 3-4, pp. 127-132.<\/p>\n<\/li>\n<li class=\"\" data-start=\"4215\" data-end=\"4370\">\n<p class=\"\" data-start=\"4217\" data-end=\"4370\">Horvatin, D. (2021). <em data-start=\"4238\" data-end=\"4306\">The Future of Banking: A World Without Banks \u2013 Dream or Nightmare?<\/em>, <em data-start=\"4308\" data-end=\"4322\">Perspectives<\/em>, ISSN 1848-140x, Vol. 11, No. 1-2, pp. 107-112.<\/p>\n<\/li>\n<li class=\"\" data-start=\"4371\" data-end=\"4540\">\n<p class=\"\" data-start=\"4373\" data-end=\"4540\">Horvatin, D. (2021). <em data-start=\"4394\" data-end=\"4476\">State Digital Currency: Govcoins \u2013 The Battle for Financial Sovereignty Control?<\/em>, <em data-start=\"4478\" data-end=\"4492\">Perspectives<\/em>, ISSN 1848-140x, Vol. 11, No. 1-2, pp. 119-122.<\/p>\n<\/li>\n<li class=\"\" data-start=\"4541\" data-end=\"4684\">\n<p class=\"\" data-start=\"4543\" data-end=\"4684\">Horvatin, D. (2021). <em data-start=\"4564\" data-end=\"4622\">The Return of Rising Prices: Inflation \u2013 Cold or Cancer?<\/em>, <em data-start=\"4624\" data-end=\"4638\">Perspectives<\/em>, ISSN 1848-140x, Vol. 11, No. 3-4, pp. 33-39.<\/p>\n<\/li>\n<li class=\"\" data-start=\"4685\" data-end=\"4827\">\n<p class=\"\" data-start=\"4687\" data-end=\"4827\">Horvatin, D. (2021). <em data-start=\"4708\" data-end=\"4763\">Decentralized Finance: Merging Virtual and Real Money<\/em>, <em data-start=\"4765\" data-end=\"4779\">Perspectives<\/em>, ISSN 1848-140x, Vol. 11, No. 3-4, pp. 199-203.<\/p>\n<\/li>\n<li class=\"\" data-start=\"4828\" data-end=\"4977\">\n<p class=\"\" data-start=\"4830\" data-end=\"4977\">Horvatin, D. (2022). <em data-start=\"4851\" data-end=\"4915\">Sustainability of the Pension System: Demographic Reserve Fund<\/em>, <em data-start=\"4917\" data-end=\"4931\">Perspectives<\/em>, ISSN 1848-140x, Vol. 12, No. 1-2, pp. 90-95.<\/p>\n<\/li>\n<li class=\"\" data-start=\"4978\" data-end=\"5131\">\n<p class=\"\" data-start=\"4980\" data-end=\"5131\">Horvatin, D. (2022). <em data-start=\"5001\" data-end=\"5067\">Capital Markets: Synchronized Decline of Conventional Portfolios<\/em>, <em data-start=\"5069\" data-end=\"5083\">Perspectives<\/em>, ISSN 1848-140x, Vol. 12, No. 1-2, pp. 147-150.<\/p>\n<\/li>\n<li class=\"\" data-start=\"5132\" data-end=\"5269\">\n<p class=\"\" data-start=\"5134\" data-end=\"5269\">Horvatin, D. (2022). <em data-start=\"5155\" data-end=\"5207\">Food and Energy: Is a Smaller Plate Coming for Us?<\/em>, <em data-start=\"5209\" data-end=\"5223\">Perspectives<\/em>, ISSN 1848-140x, Vol. 12, No. 3-4, pp. 91-95.<\/p>\n<\/li>\n<li class=\"\" data-start=\"5270\" data-end=\"5418\">\n<p class=\"\" data-start=\"5272\" data-end=\"5418\">Horvatin, D. (2022). <em data-start=\"5293\" data-end=\"5354\">Payment Cards: Democrats and Republicans Break the Monopoly<\/em>, <em data-start=\"5356\" data-end=\"5370\">Perspectives<\/em>, ISSN 1848-140x, Vol. 12, No. 1-2, pp. 128-132.<\/p>\n<\/li>\n<li class=\"\" data-start=\"5419\" data-end=\"5560\">\n<p class=\"\" data-start=\"5421\" data-end=\"5560\">Horvatin, D. (2023). <em data-start=\"5442\" data-end=\"5498\">Financial Turmoil: Regulations Have Strengthened Banks<\/em>, <em data-start=\"5500\" data-end=\"5514\">Perspectives<\/em>, ISSN 1848-140x, Vol. 13, No. 1-2, pp. 74-79.<\/p>\n<\/li>\n<li class=\"\" data-start=\"5561\" data-end=\"5698\">\n<p class=\"\" data-start=\"5563\" data-end=\"5698\">Horvatin, D. (2023). <em data-start=\"5584\" data-end=\"5634\">National Bonds: The Beginning of a Good Practice<\/em>, <em data-start=\"5636\" data-end=\"5650\">Perspectives<\/em>, ISSN 1848-140x, Vol. 13, No. 1-2, pp. 117-120.<\/p>\n<\/li>\n<li class=\"\" data-start=\"5699\" data-end=\"5873\">\n<p class=\"\" data-start=\"5701\" data-end=\"5873\">Horvatin, D. (2023). <em data-start=\"5722\" data-end=\"5811\">Profit for Sustainable Business: The Challenges of ESG Investment in the Capital Market<\/em>, <em data-start=\"5813\" data-end=\"5827\">Perspectives<\/em>, ISSN 1848-140x, Vol. 13, No. 3-4, pp. 58-63.<\/p>\n<\/li>\n<li class=\"\" data-start=\"5874\" data-end=\"6010\">\n<p class=\"\" data-start=\"5876\" data-end=\"6010\">Horvatin, D. (2023). <em data-start=\"5897\" data-end=\"5946\">Green Transition: Can Hydrogen Save the Planet?<\/em>, <em data-start=\"5948\" data-end=\"5962\">Perspectives<\/em>, ISSN 1848-140x, Vol. 13, No. 3-4, pp. 172-176.<\/p>\n<\/li>\n<li class=\"\" data-start=\"6011\" data-end=\"6129\">\n<p class=\"\" data-start=\"6013\" data-end=\"6129\">Horvatin, D. (2024). <em data-start=\"6034\" data-end=\"6065\">Migration: Blessing or Curse?<\/em>, <em data-start=\"6067\" data-end=\"6081\">Perspectives<\/em>, ISSN 1848-140x, Vol. 14, No. 1-2, pp. 122-127.<\/p>\n<\/li>\n<li class=\"\" data-start=\"6130\" data-end=\"6270\">\n<p class=\"\" data-start=\"6132\" data-end=\"6270\">Horvatin, D. (2024). <em data-start=\"6153\" data-end=\"6206\">Unaffordable Insurance: The Bill for Climate Change<\/em>, <em data-start=\"6208\" data-end=\"6222\">Perspectives<\/em>, ISSN 1848-140x, Vol. 14, No. 1-2, pp. 143-147.<\/p>\n<\/li>\n<li class=\"\" data-start=\"6271\" data-end=\"6444\">\n<p class=\"\" data-start=\"6273\" data-end=\"6444\">Horvatin, D. (2024). <em data-start=\"6294\" data-end=\"6382\">Artificial Intelligence in the Financial Industry: Cohabitation of Machines and Humans<\/em>, <em data-start=\"6384\" data-end=\"6398\">Perspectives<\/em>, ISSN 1848-140x, Vol. 14, No. 3-4, pp. 50-55.<\/p>\n<\/li>\n<li class=\"\" data-start=\"6445\" data-end=\"6591\">\n<p class=\"\" data-start=\"6447\" data-end=\"6591\">Horvatin, D. (2024). <em data-start=\"6468\" data-end=\"6527\">Credit Rating of Croatia: In the Company of Global Elites<\/em>, <em data-start=\"6529\" data-end=\"6543\">Perspectives<\/em>, ISSN 1848-140x, Vol. 14, No. 3-4, pp. 103-107.<\/p>\n<\/li>\n<li class=\"\" data-start=\"6592\" data-end=\"6973\">\n<p class=\"\" data-start=\"6594\" data-end=\"6973\">Rukavina, I., Horvatin, D. (2024). <em data-start=\"6629\" data-end=\"6728\">Opportunities and Challenges of Managing and Developing Health Tourism in the Republic of Croatia<\/em> \/\/ <em data-start=\"6732\" data-end=\"6881\">Proceedings of the 2nd International Scientific and Professional Conference &#8220;Prosthetics, Orthotics, and Robotics in Physiotherapy and Health Care&#8221;<\/em>, Rukavina, Ivana (ed.). Zagreb: Effectus University of Applied Sciences, 2024, pp. 201-210.<\/p>\n<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Lecturers Darko Horvatin Courses Darko Horvatin, Ph.D. \u00a0 LecturerDr. sc. Darko Horvatin was born on February 14, 1968, in Letov\u010dan Novodvorski, Klanjec. In 1988, he graduated from the Faculty of Economics in Zagreb, specializing in International Trade. In 2003, he earned a Master&#8217;s degree in Economics from the same faculty. His thesis was titled &#8220;The [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":0,"parent":241200,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Darko Horvatin - EFFECTUS veleu\u010dili\u0161te<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/effectus.com.hr\/en\/lecturers-and-associates\/darko-horvatin\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Darko Horvatin - EFFECTUS veleu\u010dili\u0161te\" \/>\n<meta property=\"og:description\" content=\"Lecturers Darko Horvatin Courses Darko Horvatin, Ph.D. \u00a0 LecturerDr. sc. Darko Horvatin was born on February 14, 1968, in Letov\u010dan Novodvorski, Klanjec. In 1988, he graduated from the Faculty of Economics in Zagreb, specializing in International Trade. In 2003, he earned a Master&#039;s degree in Economics from the same faculty. 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Darko Horvatin was born on February 14, 1968, in Letov\u010dan Novodvorski, Klanjec. In 1988, he graduated from the Faculty of Economics in Zagreb, specializing in International Trade. In 2003, he earned a Master's degree in Economics from the same faculty. 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