@Article{mje_2009_v05-n09-a20,
Title = "{I}nnovation {M}odel {I}n {I}surance {C}ompany",
Author = "Neško Ušćumlić",
Pages = "125-134",
Journal = "Montenegrin Journal of Economics",
Volume = "5",
Number = "9",
year = 2009
}