|
|
Development of property insurance for citizens in the Czech Republic
Kopecká, Kamila ; Ducháčková, Eva (advisor) ; Daňhel, Jaroslav (referee)
The master thesis analyzes the property insurance for citizens in the Czech Republic with main focus on buildings insurance, household insurance, and accident insurance for non-rail vehicles. The goal of this thesis is to analyze the development of insurance market indicators of the products stated above and to predict their future behavior. To help with the understanding of the practical part, basic terminology and trends in the general insurance market are included in this work. The main indexes to be analyzed are: premium written, claims paid, loss ratio, number of contracts made, average written premium per contract, number of claims settled, average written premium per insured event, and the number of commercial insurance companies. The main data sources for time series analysis for the period between the years 1997 and 2015 are the annual reports of the Czech Insurance Association. The time series analysis showed that building insurance and household insurance are strongly affected by natural disasters - in the Czech Republic the main impact have floods. Since the main purpose of the accident insurance is to cover accidents, it is only partially impacted by natural disasters. The popularity of property insurance has an increasing tendency, which is shown by the insurance market indicators. Box-Jenkins methodology was used to forecast the future development of the insurance market. Similarly to other insurance products, the property insurance undergoes certain changes, to which the insurance companies must respond. These trends are mainly connected to the higher usage of modern technologies - for instance Internet of Things, introduction of Smart Homes or the ,,Pay How-You-Drive'' insurance.
|
|
|
The role of a social worker in humanitarian organizations
KOPECKÁ, Kamila
Social work encourages social change, solving problems in human relations, strengthens and liberates people, in order to fulfill their personal welfare. Its goal is to let all people to fully develop their abilities and prevent failure. The point of social work in humanitarian aid area is removal of significant negative factors, which could negatively influent already difficult social situation of individual or whole society. The goal of providing humanitarian aid to suffering is alleviation of consequences of their social situation and providing self-sufficiency for individual and whole society. There have been radical changes in social area since 1990. Various social problems are growing and so is growing the need for solution. Social worker skill requirements are increasing. Social working education had to be re-gained to university level as a professional activity. Minimum social working education standards emerge, universities got accreditations for additional areas of social work. Newly emerged humanitarian work field prepares student for quality work in humanitarian and developing help. New ways of competence for social work are sought. The theoretical part of thesis informs about traditions, goal of humanitarian and developing aid, current education possibilities, describes method, theory and ethics of social work. It also focuses on effect of traumatizing events on individual and society. The research part of thesis uses experience, views and opinions of social workers on problematics of social workers role in humanitarian and developing aid, opinions of social working students about education in humanitarian and developing aid. Motivation for the thesis was also own interest in social working domain, the need to inform social workers about specificity of work in humanitarian and developing organizations and current options for education of social workers. The thesis can also be useful source of information for wide public and social working or humanitarian aid applicants.
|
guest ::
RSS feed.