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Distraint in the Czech Republic
Košťál, Daniel ; Cahlík, Tomáš (advisor) ; Malovaná, Simona (referee)
Property distraint is an issue that anyone can face at any point of their life. Despite minor efforts to amend the situation, the Czech Republic continuously sees yearly increases in distraint orders against individuals who default on their debt. This thesis investigates possible meso-level factors that could influence the number of these issued orders. Using data on the 76 state districts plus the capital city of Prague, the overall influence of criminal activity, unemployment and financial literacy is estimated. This is achieved by using the ordinary least squares regression, as well as two other unobserved effects models. The empirical evidence then hints at favorable properties of the random effects model. The results confirm the main hypotheses that crime and unemployment are risk factors for distraint, and that financial literacy helps reduce these risks. Auxiliary data also hints at a certain level of correlation between debt default and immigration, which is up for a further deeper analysis. Keywords Property distraint, crime, unemployment, over-indebtedness, financial literacy Author's email: dkostal@gmail.com Supervisor's email: cahlik@fsv.cuni.cz
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The logical breakthrough of logotherapy and existential analysis into social work with over-indebted clients
ČECHOVÁ, Barbora
This work deals with the topic how to help the over-indebted clients. The theoretical part describes the term over-indebtedness, its forms and the ways of help provided to the people with such problems. The closer interest is put on how these people can be helped by social work, which methods are suitable and relevant to this type of work and how these methods are defined in specialized literature and corresponding legislation. The practical part of this work focuses on the form of help to these people within a specific organization that provides social services and works for the over-indebted clients. Using some case studies the work describes some particular cases and methods of work which were applied. Concerning the methods of work with these clients, the thesis describes the elements of Logotherapy and Existential Analysis which are used by social workers while working with their clients. Further on, the thesis describes the social workers' attitudes, their experiences with their clients and points out some existential questions they deal with, especially from the perspective of Logotherapy and Existential Analysis.
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The Amendment to the Insolvency Act (Focused on Personal Bankruptcy)
Černohorská, Lucie ; Angelovská, Olga (advisor) ; Ochrana, František (referee)
This diploma thesis deals with the current amendment of the Insolvency Act. It was written by the Ministry of Justice of the Czech Republic. There is introduce the current amendment focuses on personal bankuptcy. The thesis introduces the legislative process of this amendment. For the identification of the actors was used the theory of advocacy coalitions. It shows their conflict of opinions. Two very different coalitions were defined in this problem amendment of Insolvency Act. Based on expert interviews were identified weaknesses of personal bankruptcy and devided into several groups. The study works with the concept of social stratification. It is used to ilustrate quantitative analysis. It contains the research sample of 91 and it completed insolvency proceedings (personal bankruptcy with repayment schedule). The sample were chosen from the relevant courts in Prague, Liberec region and Ústí nad Labem region. The results have been compared in the context of each area and as a whole sample.
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Socio-political analysis of the causes of indebtedness if citizens
Bartesová, Gabriela ; Víšek, Petr (referee) ; Vojtíšek, Petr (referee)
Rigorózní práce Socio-political analysis of the causes of indebtedness of citizens OVERVIEW The thesis "Socio-political analysis of the causes of indebtedness of citizens" consists of a detailed analysis of issues leading up to over-indebtedness. It also aims to point out the most serious consequences of over-indebtedness. The thesis brings attention to the relation between causes and effects which, in many cases, take the form of the opposite and vice versa. The boundary between cause and effect can often be indistinct, and it is essential to distinguish between the two in order to find a solution for an over-indebted client. The theoretical part of the thesis deals with the issue of a loss of income which may lead to over-indebtedness, draws attention to the important role of education in the area of financial literacy, and notes on the most serious consequences of over-indebtedness, which it sees in the loss of housing, homelessness, and other negative effects. The research part concentrates on a social group which belongs to one of the most threatened with social exclusion, welfare applicants. The research attempts to analyse their debt situation in relation to their age, education, housing, unemployment period, willingness to change their situation, and willingness to repay their debt.
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Over-indebtedness of young people in the Czech Republic
Lišková, Veronika ; Angelovská, Olga (advisor) ; Trlifajová, Lucie (referee)
The master's thesis "Over-indebtedness of Young Generation in the Czech Republic" deals with over-indebtedness of individuals at the age of 18 to 26 years. Over-indebtedness is a general social problem as all age groups get overburdened with debt. However, it is important to focus on the issue of young people's over-indebtedness directly because the young generation represents people who are or will be active in the general working process. The authoress of the thesis points out the young generation's over-indebtedness and provides an overview of development of this issue in 2008 - 2015. She also examines the most frequent causes which she has found out using questionnaires and data collected. In her work, the authoress also outlines a gradual development of possible indebtedness, which primarily includes loans, from both banks and other institutions, followed by a court procedure and execution of the judgement. A possible solution to over-indebtedness then consists in filing a petition with a court to permit a personal discharge from debts. The work aims at finding out and examining development of the young generation's indebtedness in the Czech Republic, analysing causes of over-indebtedness, describing the changes of the causes in time and at analysing the process of discharge from debts, which...
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Rationality of the Debtor
Procházka, Ivan ; Tuček, Milan (advisor) ; Kuchař, Pavel (referee)
This work deals with the indebtedness of consumers. It examines the causes of the debotrs themselves. Based on a secondary analysis of past research in the area of financial literacy, consumer behavior, statistical data, but also of qualitative research in the form of case study seeks to answer the question why the debtor becomes the debtor, the extent to which the indebtedness and indebtedness viewed as rational behavior but also if the debtor is accompanied by rational reasoning or irrational behavior. It concludes that the debtor can not be considered entirely rational. Applied policy then the issue of over-indebtedness problem takes into account the irrational assumptions by the debtor only marginally and does not reflect as one of its main causes.
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Rationality of the Debtor
Procházka, Ivan ; Tuček, Milan (advisor) ; Kuchař, Pavel (referee)
This work deals with the indebtedness of consumers. It examines the causes of the debotrs themselves. Based on a secondary analysis of past research in the area of financial literacy, consumer behavior, statistical data, but also of qualitative research in the form of case study seeks to answer the question why the debtor becomes the debtor, the extent to which the indebtedness and indebtedness viewed as rational behavior but also if the debtor is accompanied by rational reasoning or irrational behavior. It concludes that the debtor can not be considered entirely rational. Applied policy then the issue of over-indebtedness problem takes into account the irrational assumptions by the debtor only marginally and does not reflect as one of its main causes.
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Socio-political analysis of the causes of indebtedness of citizens
Bartesová, Gabriela ; Tomeš, Igor (advisor) ; Víšek, Petr (referee)
The thesis "Analysis of the Causes of Over-Indebtedness" consists of a detailed analysis of issues leading up to over-indebtedness. It also aims to point out the most serious consequences of over-indebtedness. The thesis brings attention to the relation between causes and effects which, in many cases, take the form of the opposite and vice versa. The boundary between cause and effect can often be indistinct, and it is essential to distinguish between the two in order to find a solution for an over-indebted client. The theoretical part of the thesis deals with the issue of a loss of income which may lead to over-indebtedness, draws attention to the important role of education in the area of financial literacy, and notes on the most serious consequences of over-indebtedness, which it sees in the loss of housing, homelessness, and other negative effects. The research part concentrates on a social group which belongs to one of the most threatened with social exclusion, welfare applicants. The research attempts to analyse their debt situation in relation to their age, education, housing, unemployment period, willingness to change their situation, and willingness to repay their debt.
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Over-indebtedness in the Czech Republic: Problem Analysis and Policy Alternatives
Řezáčová, Lucie ; Veselý, Arnošt (advisor) ; Čabanová, Bohumila (referee)
The thesis "Over-Indebtedness in the Czech Republic: Problem Analysis and Policy Alternatives" deals with the issue of over-indebtedness of households with regards to consumer loans, specifically in the Czech Republic. Over-indebtedness is currently a very real and serious issue. The author attempts to tackle what is a relatively complex issue. The objective of the thesis is to demonstrate that over-indebtedness is a significant problem and analyse the myriad factors that contribute to it. Finally, possible solutions to the problem are explored. The author exhibits a variety of data to measure over-indebtedness in addition to determining the various causes, namely individual economic factors, such as sudden unemployment, and financial imprudence, which can be attributed to individual psychology or low financial literacy. Additionally, the unfair and even loan-sharking practices adopted by some loan providers and brokers along with the problematic process of debt enforcement, which contribute to over-indebtedness are described in detail. Based on the identified drivers, the thesis proposes specific tools to address the problem, with particular emphasis on regulating providers, and analyses their advantages and disadvantages. Further to the regulatory instruments, the thesis also stresses the need to...
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Poor age - Growing over-indebtedness of persons in advanced age
Jandová, Pavlína ; Ochrana, František (advisor) ; Plaček, Michal (referee)
Western countries are facing an increasing poverty among seniors related to the demographic revolution and lengthening of life span. The so-called over-indebtedness is one of the "modern" causes and also consequences of poverty. This thesis discusses the relationship between over-indebtedness and poverty with emphasis on senior population (65+). An empiric analysis is employed to explore causes and consequences of over-indebtedness. The increasing over-indebtedness is already being targeted by public policies, however their effectiveness is low. Sufficient material and personal resources are lacking as well as not being optimally utilized. There is only limited cooperation between civil and public-law sectors. Communication with the private sector in a way of common goal setting is also deficient. In a fierce market-driven economy, elderly people become a weak link and find themselves in situations conflicting with morals, human and civil rights, and adequate quality of life in a modern society. This state of affairs threatens social integrity and demands a solution. Three participating groups were surveyed: the elderly, the employees of advisory centers and the non- bank financial institutions. Various approaches to solving the problem are discussed. The result of the analysis consists of a wide...
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