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Debt trap: possible solutions of debt problems
Juppová, Tereza ; Angelovská, Olga (advisor) ; Ochrana, František (referee)
The thesis "Debt trap - the possibility of resolving the debt issue " is concerned with how the public policy of the state responds to the increasing indebtedness of Czech society and that address the causes and consequences of this debt. Features a history of borrowing money and significant impact on society interest in history and in the present. It also shows what causes can lead to debt and the consequences of over-indebtedness bears. Specific cases of clients with debt issues provides a chapter on the social counseling (Občanská poradna Plzeň - Citizens Advice Bureau Plzeň), which among other increasingly engaged in consultancy in the field of debt. The main part is the analysis of public policy events - it is a holistic approach to policy examined, the selected aspects, events, actors, goals. The analysis traces the development of indebtedness of Czech citizens and state intervention and non-state actors in this issue. Also evaluates the actors in this issue shows the complexity of the process of recognition of a social problem and highlights the influence of public interest and political culture of the state in the implementation of public policy. In conclusion, given the public attitude to the issue of debt in the Czech Republic.
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Comparative analysis of credit services of non-bank institutions
Kolská, Šárka ; Horová, Olga (advisor) ; Šmejkal, David (referee)
The aim of the Bachelor's Thesis is comparative analysis of non-bank loan institutions in the Czech Republic from the consumer perspective. It also intends to put them into context with other related topics and to evaluate the hypothesis of disadvantageousness of non-bank credits in comparison with bank credits. The theoretical part deals with financial literacy, differences between bank and non-bank institutions and results of previous qualitative research of their credit services. Attention is paid to the ethical problem represented by usury. Pawn shops and presentation events are mentioned as well. The thesis focuses on property seizure, personal bankruptcy and debt consultancy of non-profit organisations too. The practical part of the thesis contains comparison of selected non-bank institutions and comparison of a loan product of a concrete bank and one of non-bank company. The practical part also contains comparison of important non-profit debt counselling centres in the Czech Republic in terms of their services and their way of funding. The conclusion of the thesis aims to suggest solutions to risks of non-bank credits for consumers.
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Professional Social Guidance to Insolvent Clients in České Budějovice
CÁBOVÁ, Markéta
The number of indebted people has been increasing recently, as well as the number of people who are not able to settle their debts falling into the debt spiral. When directly threatened by execution they turn to social service organizations dealing with debt issues hoping for their help. The goal of the thesis is to describe the issues of indebtedness in České Budějovice micro region. The aim of the work was to map the system of expert consultancy and the methodological process procedures in providing services to indebted clients in organizations providing debt consultation in České Budějovice.
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