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The paper analyzes the financing of small and medium enterprises (SMEs) in the Republic of Croatia. The fundamental goal of the paper is to determine the most common forms of funding sources used by entrepreneurs classified as SMEs, as well as the advantages and disadvantages that each financing model brings. The article pays special attention to financing methods that are less known to the average Croatian entrepreneur, such as peer-to-peer lending, initial coin offering, and security token offering. Unlike the banking system, which serves as an indirect financial system, modern forms of financing allow SMEs to raise funds directly from borrowers. To obtain the most relevant information from practice, the article presents the results of conducted research on financing models for SMEs in Croatia, with a particular focus on the awareness of entrepreneurs about new and contemporary forms of financing. Research was carried out in the form of a survey questionnaire created using Google Forms. The sample for the research consisted of 145 SMEs companies, selected to represent the population from various sectors of activity according to the national categorization of activities, from which 14.48% responded to the survey questionnaire. Research showed a higher rate of awerenes and the utilization of traditional forms of financing compared to modern ones. However, it also indicates a certain readiness to embrace the latter. Although the share of modern forms of financing remains small, research revealed that they constitute an appropriate alternative to traditional banking systems, both as a relatively solid investment channel and as a way to obtain loans with convenient terms. [ABSTRACT FROM AUTHOR]

Good and effective communication is in the common interest of the interlocutor, especially in a medical setting, which creates a specific relationship of trust, and directly influences the outcomes of a medical treatment. The aim of this research is to evaluate the role of information in creating communication feedback in the clinical practice of physiotherapists. To analyse the communication feedback of physiotherapists, a survey was conducted using a questionnaire on 471 physiotherapists employed in 74 healthcare institutions in Croatia. The research hypothesis in this paper assumes that there are no differences in the assessment of communication feedback among physiotherapists with regard to age and years of experience. However, the results show that there are significant differences in the assessment of communication feedback among physiotherapists. This is an important finding, which underlines that an issue that cannot be solved by medical knowledge alone can be resolved by effective communication when combined with a certain technique and way of communicating. [ABSTRACT FROM AUTHOR]