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Financial literacy of users of refuges
JANOUŠOVÁ, Věra
Financial literacy is a topic of the day which concerns all the categories of the population in their everyday life. The thesis titled Financial Literacy of Refuge Clients tries to describe the theme of financial literacy from two points of view. On one hand, from the viewpoint of people who, for various reasons, have become clients of refuge and on the other hand, from the viewpoint of social workers who work in refuge. The theoretical part is divided into four subchapters which describe a given issue. An explanation of the basic terminology related to the topic is followed by a subchapter on financial education of children and adults and activities in the field of education. The third subchapter deals with potential effects of financial literacy and the end of the theoretical part focuses on social work with refuge clients. The practical part describes a research which consists of two parts. To achieve the defined goal, a qualitative research has been employed in both parts, using the survey method and the semi-structured interview technique. The document contents analysis was used in the second part of the research. The survey research was carried out in five refuge of Diaconia of the Evangelical Church of the Czech Brethren. The first part of the survey involved fifteen communication partners, users of the refuge as a social service. The second part of the survey involved five communication partners, social workers in refuge. Both survey samples were created by a special-purpose selection. The data gathered in the interviews were evaluated by means of the open coding method. The main goal of the thesis was to find out how refuge clients view their own financial literacy and a potential for improvement in this respect. A sub-goal of the thesis focused on learning viewpoints of the social workers regarding the potential for improving financial literacy of the refuge clients. The survey results have shown that the category of financial literacy within the meaning as defined in literature is not represented in the refuge clients. With regard to their generally difficult situation which also includes their financial situation, the category of financial literacy narrowed to the efforts to make both ends meet at the end of the month and to the question whether or not to deal with financial claims, debts or distraints. This is the setting which has to be the basis for work of social workers in refuge as well. There exists a wide-ranging offer of potential paths leading to financial literacy for all categories of the population, regardless their address. Leaving aside education at school, getting further information is optional, conditioned by everybody's own interest. To increase financial literacy of the clients, social workers may choose from many options, or use their own knowledge and skills. The main prerequisite for success is to adapt themselves to the clients' interest and capabilities. The thesis describes attitudes of refuge clients to financial literacy issues which are identical to the attitudes of this specific category of the population to addressing their difficult financial situation. Social workers become aware of additional possibilities of financial literacy improvement which they can use when working with their clients. Based on the survey results obtained, a comprehensible leaflet has been prepared, containing the essential information about financial literacy. The leaflet in both electronic and printed version will be available for those interested in it, i.e. refuge clients, social workers as well as the general public.
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Debts on loans - the consolidation of loans and other solutions
NOVÁK, Jan
The thesis "Non-performing loans - Consolidation loans and other solutions of the situation" outlines the issues of loans, analyzes the causes and consequences of default and outlines pos-sible solutions, including prevention. The first part deals with the theoretical description of consumer loans. The second part is devoted to the analysis of bids and conditions of individu-al bank and non-bank lenders and is practically focused on the solution of the non-performing loans of the model cases.
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Auction Portal with Non-banking Loans in The Czech Republic
Hadač, Marek ; Pochyla, Martin (referee) ; Heralecký, Tomáš (advisor)
This thesis delas with the business plan of the internet auction portal with non banking loans. The main aim of the thesis is on the base of financial plan and financial alalysis design functional system which would be realizable in practise. In theoretical part I deal with internet auctions and also legislation of consumers contracts and loans. In practical part comparing the loan market and proposal of business solution.
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Financial Literacy and Possibilities of Its Increasing
Chmelíková, Petra ; Coufal, Libor (advisor) ; Fleischmann, Luboš (referee)
This bachelor thesis in the field of finances specifically deals with the issue of financial literacy and its teaching. The focus is primarily on the situation in the Czech Republic. The main goal is to determine the current situation in education at Czech elementary schools, and to compare selected projects aimed at increasing the level of pupils´ financial literacy. The work is subdivided into theoretical and practical parts. The theoretical part is to explain basic concepts and terms and their outline, and to provide a summary of the issues. It also includes an analysis of the selected educational projects in the field. The practical part contains an outline and results of a survey conducted among elementary school pupils.
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Analysis of the financial literacy of students in selected countries in the world
Silberhornová, Lenka ; Radová, Jarmila (advisor) ; Rajl, Jiří (referee)
The subject of this thesis on "Analysis of the financial literacy of students in selected countries in the world" is a summary description of and a subsequent evaluation of financial literacy in the Czech Republic, the United States and Taiwan. The thesis particularly focuses on an assessment of the level of financial literacy of students in individual countries and on the evaluation of the data obtained from its own investigation. The last chapter is the overall comparison of the three states from the data obtained from own investigation and the data processed in the international study.
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Financial literacy analysis amongst high school students
Houžvicová, Aneta ; Radová, Jarmila (advisor) ; Rajl, Jiří (referee)
The diploma thesis focuses on financial literacy analysis amongst high school students. Introductory chapters are based on definitions of key words essential to examine this topic, on the question of financial literacy significance and consumer protection (and its connection to financial literacy). Another part of the thesis investigates the process of financial education implementation to framework educational programs which represent obligatory foundation for elementary and high schools when creating the curricula. Crucial part of the thesis is financial literacy level examination performed at high schools and comparison of this level among participating schools.
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Financial literacy and financial history of Czech households
Vrabčák, Jan ; Rajl, Jiří (advisor) ; Fleischmann, Luboš (referee)
The author of this bachelor's thesis deals with the phenomenon of the present that is topic of financial literacy. The subject of this thesis is to create a reliable and sufficiently understandable manual, which actions should a financially literate individual, who is responsible for financial situation of his family, take. Author's intention is also to applicate gained knowledge on a model of fictional average Czech household, in real conditions, though, and therefore confirm usability of his own work. The result is going to be a product, which will pass on advice, how to take care of own financial situation, and will show or rationalize everything on a specific and detailed example.
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Analysis of the development and the reasons of Czech households indebtedness from 1993 to 2012
Uhlířová, Klára ; Loužek, Marek (advisor) ; Šlajs, Jan (referee)
The topic of the thesis is to analyze the debt of Czech households from 1993 to 2012. The main goal is to map the development of indebtedness of Czech households in these years and to discuss the reasons of increasing Czech households debt mainly including drop in inflation and interest rates, the desire of the population for their own living and the tendency towards the consumer life despite the decrease in growth of indebtedness of households till 2009. The thesis tries to answer the question whether Czech households are over indebted and whether they are threatened by falling into a debt trap. Although the increments of debt were considerable in the recent years, in the international comparison the indebtedness of Czech households is very low and the fall to a debt trap is not actual because the majority of loans are used for purchase of real estate. The risk is represented by substantial growth of interest rates, prices of real estate and increase in the unemployment rate together with low economic performance. In conclusion, the thesis tries to formulate the disposal against over indebtedness. As one of the most effective implement is considered the increase in financial literacy of wider population and the change of social atmosphere in which the debt was perceived least risky.
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Financial literacy and consumer loans
Lukešová, Martina ; Radová, Jarmila (advisor) ; Coufal, Libor (referee)
The Bachelor's thesis deals with problems of financial literacy. The problem with financial literacy is an extensive topic, therefore the paper focuses only on consumer loans which belong to the most used products by citizens. The thesis gives basic information about companies, which offer consumer loans and warn against incorrect financial institutions and loan sharks. One of the chapters dedicates the indicator of advantages of consumer loans. It shows issues of indicator annual percentage rate of expenses (APR) and its importance. Familiarity of those indicators increases financial literacy of citizens and contribute to right decision regarding consumer loan. Another chapter describes refinancing, which enables to make better some of the terms of loans. The final chapter familiarizes with the Navigator of consumer loans, which enables better orientation at market of consumer loans.
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Comparative analysis of the implementation of financial literacy in secondary education
Jandová, Lucie ; Krpálek, Pavel (advisor) ; Masaříková, Kateřina (referee)
This bachelor thesis deals with different methods of implementation of financial literacy to secondary schools in the Czech Republic. The theoretical part was developed on the basis of the research of available resources and describes the curriculum from the highest level -- the National Strategy for Financial Education, to school educational programs. It is followed by the description of didactic system adapted to financial and economic education. The analysis and the identification of content of financial literacy across three national curricula were conducted in the practical part after stating the problem, the hypotheses and the research methodology. The second tool of the research -- the questionnaire, was aimed to identify the way of implementation of financial literacy to specific secondary schools and mainly to state the main differences and similarities in the use of didactical and teaching means from the type of school and regional perspective and to complete the overall view on implementation. The summary and evaluation of the information were accomplished at the end of the work.
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