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Financial literacy of elementary school pupils
Čudová, Lucie ; Burian, Stanislav (advisor) ; Stará, Dana (referee)
The bachelor thesis deals with the topic of financial literacy of primary school pupils after the inclusion of the financial education in the Education Plan of primary schools.
With the use of professional literature, theoretical part of this bachelor thesis defines the Standards of financial literacy and assesses the benefits and issues of financial education of primary school pupils. The conclusion of the theoretical part of this bachelor thesis is dedicated to the history of financial education between 2005 and 2014.
The practical part of the bachelor thesis is dedicated to international survey of PISA (Programme for International Student Assessment) and to author´s own testing. With
the use of PISA´s surveys and author´s own testing, the state of pupils´ financial knowledge and skills was analysed during the periods before and after the financial literacy was included in the Framework Education Plan. Fifteen-year-old boys were tested through the PISA project, students of elementary and secondary schools and grammar schools were tested by the author of the thesis. Consequently, the level of knowledge was compared between the secondary school pupils and grammar school students using PISA´s survey and author´s own testing. A survey has been done with the teachers and management of the tested schools as a part of own testing.
Own testing and the survey were done with the help pupils and teachers from primary schools in Čáslav and adjacent villages.
In the final part of the bachelor thesis, an assessment of findings and results was done
in order to improve teaching of financial literacy and a comparison of results of pupils that were tested through PISA and by the author of the bachelor thesis was made.
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Assessment of the Level of Financial Literacy of the Selected Group of the Population
Špirka, Jozef ; Ulrich, Milan (advisor)
The current period is characterized by consumerism, market economies, easily accessible loans, household indebtedness, depersonalization cash flow due to of electronic payments and visible consequences of the debt trap and subsequent executions while failing to secure funding. Inadequate or only elementary knowledge of financial literacy of young people is a condition that is a risk factor for most skills in the management of their money. The above facts are environments where most may apply sometimes aggressive ways menu disadvantageous loans. In the practical part, I am my task using questionnaires to determine the state of financial literacy and compare the results at several high schools, including the ability to evaluate the orientation of the financial market and resistance risk activity in the financial management of personal finances.
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Financial literacy and its application in practice
Příbek, Martin ; Tomšíková, Kateřina (advisor) ; Ivan, Ivan (referee)
The bachelor thesis "Financial Literacy and Its Use in Practice" focuses increasingly topical issues and it is aimed at secondary school students. In theoretical section the reader is familiar with related terms on the topic. Such as financial literacy, financial literacy teaching is characterized by most important banking products in secondary schools. Especially loans, introduced non-banking company, given the consequences of loan defaults etc. In practical section questionnaire was used at two different secondary schools in the same city. The questionnaire focused on knowledge of students in financial management. Fields of education were identical at both schools but differ in their categories (H, E). According to the results of the questionnaire survey was designed their own recommendations that it could lead to improve teaching quality financial literacy at these secondary schools.
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Financial literacy of high school students
Novák, Michal ; Homolka, Jaroslav (advisor) ; Šeráková, Petra (referee)
The bachelor thesis deals with the topic of financial literacy of high school students. The level of financial literacy is currently more and more discussed issue due to the potential threats leading from the ignorance of financial literacy.
The thesis consists of a theoretical and a practical part. The theoretical part is used for explaining and defining basic terms from the field of financial literacy. It includes e.g. norms of financial literacy, annual percentage rate (APR), inflation, budget etc.
The content of the practical part is based on a survey of a level of financial literacy made at chosen high schools. For the practical part, pupils of the third class of Grammar School and Business Academy Pelhrimov and Secondary School Pelhrimov were anonymously approached. On the basis of the research the ways of improving the level of financial literacy were propound.
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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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Řešení nedostatku finančních prostředků v různých typech domácností v ČR
Pavézková, Lenka
The diploma thesis deals with the identification of forms solution for the absence of financial funds in different types of households in the Czech Republic. The theoretical part focuses on the consumer behaviour of households and the factors influencing the consumption. The practical part is based on qualitative research which analyse the structure of income and spending of households and their consumer preferences. It recognizes the main reasons leading households to saving, lending and using of financial products. A significant part of the diploma thesis is focused on the issue of financial literacy. Research sample was consisted of 18 households, for one month households had to recorded income and spending into the diaries. Diary survey was supplemented with in-depth interviews (n = 18). Gained information allowed to deduce conclusions and to formulate recommendations for institutions acting in the financial markets.
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The role of competition and interest rate on over-indebtedness in the microfinance Industry
Binney, Othniel
The main aim of the paper is to determine the role of competition and high interest rate on customer over-indebtedness. Over-indebtedness here defined, from a customer-protection perspective, as continuously struggling with debt repayment and experiencing unacceptable sacrifices related to the debt. To achieve this, a total of ten microfinance firms were selected from the study area, as well as 85 microfinance customers using a random and cross-sectional collection of data. Analysis of the data showed that even though there is a high level of competition among the microfinance firms, this has not exerted any downward pull on interest rates charged to benefit customers. Secondly, clients are more concern about repayment regimes and prevailing macroeconomic conditions than the interest charged on loans. Customer characteristics such as employment status and financial literacy were found to be directly related to possibility of over-indebtedness. Finally the study noted that interest rates of microfinance firms in Ghana have been steadily declining, even the though county has one of the highest microfinance interest rates in the world.
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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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