DOI: 10.33917/mic-1.126.2026.96-101

This article substantiates the feasibility of optimizing fuel and energy resource consumption in the production process and proposes a matrix model for improving energy efficiency, the practical implementation of which will lead to significant savings in fuel and energy resources for the industrial sector.

References:

1. Kasayeva G.V., Kertbiev Z.M. Energy Efficiency of Russian Industry: Conflicting Trends and Instruments of Market Institutional Transformations. Monograph. Pyatigorsk: Pyatigorsk State Linguistic University, 2015. 178 p.

2. Zhukovskaya I.V. Specifics of Risk Management of Investment Projects in Industry. Economics and Management. 2010;2:53-56.

3. Milner B.Z. Modern Development of the Economy. Moscow: Economics and Finance, 1990. 642 p.

4. Fatkhutdinov R.A. Managing the Competitiveness of an Organization. Moscow: EKSMO, 2005. pp. 542-544.

5. Khusaenov R.R. Development of Innovative Infrastructure Services in The Conditions of Discreteness of Its Components / R.R. Khusaenov, I.V. Zhukovskaya. International Journal of Advanced Research in Engineering and Technology (IJARET) ISSN Print: 0976-6480 and ISSN Online: 0976-6499. 2020;11(3):276-291.

6. Shinkevich M.V. Specifics of the Study of Competitive Advantages of the Services Market at the Mesoeconomic Level: Theory and Practice / M.V. Shinkevich, I.V. Zhukovskaya. Microeconomics. 2019;2:38-43.

DOI: 10.33917/es-3.169.2020.50-54

The global economy, including the eurozone, experienced a shock in 2008. As one of the consequences, central banks of the largest economies in the world, in order to support economic activity, reduced interest rates on loans. Although 11 years have passed, in the eurozone lending rates still remain extremely low. This indicates that the monetary union has not yet recovered from the post-crisis state. In fact, more and more probable is becoming a recently inconceivable scenario that the eurozone for a long time will get into the era of negative interest rates.

History of the active struggle of the Russian Orthodox Church against usury, and therefore of the Church’s activity in establishing a system of affordable credit for people in the beginning of XX century is not limited to credit cooperatives only.