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Factors Influencing Children's Financial Literacy
WEDLOVÁ, Zuzana
The bachelor thesis deals with the issue of financial literacy in children aged 6-15 years and the factors that influence the level of financial literacy. The first chapter characterizes financial literacy and its importance. The second chapter describes objective and subjective factors of financial literacy and organizes the knowledge gained from the study of literature, including research findings. The third chapter is devoted to the issue of fostering financial literacy within the framework of basic education in the Czech Republic.
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Debt trap as a couse of homelessness
ŠTĚRBOVÁ, Ludmila
The thesis deals with the correlation between debt trap and homelessness. This is a theoretical work. The first part of the thesis informs about basic financial terms and concepts and financial literacy of the Czech Republic population. The second part describes the phenomenon of homelessness. The forms of homelessness, causes and consequences of homelessness and also pathological aspects associated with homelessness are listed and described here. The last part od the thesis offers solutions to both indebtedness and homelessness. Organizations helping homeless people are described in detail, the most important of which is the non-profit organization the Salvation Army. The thesis also provides information about the Merciful Summer event and presents forms of debt management and new legislation in favor of indebted individuals.
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Low financial literacy as a reason for the recurrence of homelessness
KORYTOVÁ, Ivana
This dissertation was to present the relationship between low financial literacy and recurrence of homelessness. One of the many causes of homelessness in this case is lack of funds leading to foreclosures and debt and lack of financial responsibility. The research, which was carried out in the form of a qualitative approach with the method of case studies, which were made using observations and narrative interviews, showed that low financial literacy among homeless people manifests itself and is connected with their return to social services. In the case of debtors, for example, ignorance of the amount owed and fear of working as a full-time employee, in the sense of fear of enforcement deductions, when debtors have a misconception about deductions and non-disposal income. Their disregard for debt and overall financial irresponsibility will always land them back in the shelter, thus relapsing into homelessness. The results will be provided to social workers and workers in social services at Charita České Budějovice and students of the Faculty of Health and Social Sciences of the University of South Bohemia in České Budějovice. The work has the potential to serve as a basis for information on the issue of homelessness and education in the field of financial literacy.
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Determinants of Financial Literacy
MĚRTLOVÁ, Jana
The master thesis deals with the issue of financial literacy among university students in the Czech Republic. Its content is an overview of the programs and strategies of multinational and government organizations dealing with the financial literacy of the population, as well as an analysis of a questionnaire survey. Four factors were selected using findings from searches of foreign professional articles and research, and their influence on the financial literacy of university students was tested on the basis of established hypotheses. The mentioned factors included the effect of gender, the effect of age, the effect of the studied field and the effect of the studied year of study.
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Educational activities increasing financial literacy for upper primary school
BŘINEK, Michal
This bachelor's thesis focuses on problems of teaching financial literacy at the second grade of elementary school. It is primarily intended for teachers who look for inspiration for teaching financial literacy. The thesis is based on documents called Standard of the financial literacy for elementary education from 2017 and General education program for elementary education from 2021. Activities are based on recommendations described in a document Methodical recommendation for teaching financial literacy from 2013. The thesis consists of a theoretical and a practical part. The theoretical part is focused on defining basic terms and who should be educated in financial literacy. There is also defined what should be taught in financial literacy at the second grade of elementary school and how it should be taught. The practical part contains seven activities which were created according to documents described in the theoretical part. Activities are focused on various parts of a document called General education program for elementary education from 2021 and they are trying to cover as much of the curriculum as possible.
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Financial Literacy and Readiness of Young People to Leave the Children's Home
ZŮBKOVÁ, Irena
The Bachelor Thesis deals with the topic of financial literacy and readiness for independant living of young adults leaving children's homes and their peers growing up in families. The aim of the thesis is the comparison of these two groups. The thesis is divided into theoretical and practical parts. The first one defines terms of institutional education and children's home, including their functions in the area of financial education. In addition, the theoretical part defines the term financial literacy, mainly the terms loans (focusing on short and medium term loans), their payments and risks that might have impact on the life of an adult. Another part comprises the description of financial education in various types of schools that children from children's homes as well as children with family background undertake. In the practical part there were used the following methods: qualitative research, questioning and semi-structured interview. There were involved 10 communication partners at the age from 18 to 20; half of them young adults from children's homes and the other half young adults with family background. The research questions focused on the level of financial literacy, personal budgeting abilities, income and expenses, opinions on loans. A part of the questions dealt with assessing the influence of children's home and family background on financial literacy of young adults. The thesis could be beneficial as it introduces a new view on the comparison of financial literacy of young adults from children's homes and their peers growing up in families. Moreover, it can provide useful information for employees of children's homes and other social workers who meet clients in need of help in the area of financial matters and thus it can improve the preparation of young adults leaving children's homes for their independent life.
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Impact of Juvenile Indebtedness on Subjective Experience of their Quality of Life
ŠVARCOVÁ, Anna
The bachelor thesis is focused on the issue of adolescents' indebtedness. This is a topic that is not very reflected, but is very current. Qualitative research has been applied to the empirical part. To achieve the set goals and obtain the necessary data, the method of questioning and the technique of semi-structured interviews were used. The aim of the research was to find out what the subjective experience of the quality of life of indebted adolescents is. During the research of the bachelor's thesis, emphasis was placed on individual aspects of their lives. I followed up with the goal, which had the task of mapping the causes and consequences of indebtedness for this target group. The last goal of the research part was to find out whether adolescents have the motivation to repay their debts. The presence of debts in life has a negative effect on the subjective perception of quality of life. Indebtedness affects several areas of life, including health, relationships, leisure and behavior. Adolescents have the motivation to repay debts, but in connection with debts they are not satisfied with their own lives. One of the obstacles to reach satisfaction is the insufficient saturation of needs that are not met in connection with debt. The bachelor thesis could be useful in the field of social work, especially for students in this field who are interested in insight into this issue. The work could also be an incentive for social workers, who are not yet involved in the prevention of indebtedness in children and adolescents.
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Collection of exercises from financial mathematics for secondary schools of economics
STEHLÍKOVÁ, Andrea
The aim of this bachelor's thesis was to compile a collection of solved examples from financial mathematics for high schools with economic specialization. The solved examples are focused on wages, financial household management and investment products (specifically on savings accounts, time deposits, a construction loan and supplementary pension savings). The starting point for the formation of tasks were Curriculum frameworks for business schools. In the process of creating exercises, emphasis was put on the development of crucial competencies with the Curriculum frameworks for business schools in the process of tasks.
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Collection of exercises developing financial literacy at lower secondary school
KVĚCHOVÁ, Petra
This bachelor thesis, which topic is Collection of examples developing financial literacy, focus on pupils in lower secondary school. The collection contains solved examples inspired by situations from everyday life. The collection is intended for teachers who cultivate the financial literacy of their pupils. Topics addressed in the bachelor's thesis are money, forms of payment, ownership, shopping, inflation, household management, price creation and value added tax, interest and financial planning.
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Financial literacy on high schools
POLICAROVÁ, Michaela
The bachelor thesis will introduce the basic concepts which related to financial literacy. At the same time, I will try to outline the current state of how this topic is discussed in the secondary schools. In the practical part, it will be made several worksheets and materials for lessons which will include financial literacy targed. At the same time, this material will be given for assessment by teachers who could realize financial literacy in their subjects. The method of semi-structured interview will be used as the main method of my research.
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