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Theory and Practice of Management of Personal Finances in the Czech Republic
Spilka, Jan ; Votava, Libor (advisor) ; Zámečník, Petr (referee)
The topic of this thesis is personal and family finance. At the time of extensive government austerity measures, uncertainty of countries' future, or even international companies, and on the other side the ever bigger influence of advertisement and consumer culture, its importance grows with each year. The main goal of this thesis is to confirm or disprove the hypothesis that presumes the following: although people think they are handling their personal finance right, they often make typical wrong decisions. Part of the theory is a survey dealing with financial literacy of Czechs that support a theory that they have considerable gaps in managing their finances. Further on, the thesis engages in possibilities on how to eliminate these gaps. Doing this, the author perceives the family, or individual, as a parallel to a company, while their finances management makes parallel to the company's accounting. It also briefly deals with why these mistakes are present, using behavioral economics as a tool for explanation. The theoretical part presents possibilities and products that are to find at a usual economy subject on the market to those willing to evaluate their finances. The practical part is looking for answer to question what the most frequent mistakes are. The author then chooses the one he considers the most significant, namely the absence of planning. It then tries to prove, that elimination of this mistake leads to considerable improvements and optimization in managing finances.
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Perception of upcoming pension reform
Kučera, Ondřej ; Zámečník, Petr (advisor) ; Smrčka, Luboš (referee)
The study aims to comprehensively examine the attitude of the population of Czech republic to planned reform of pension system. Study also examine its knowledge on the existing pension systém, pension reform and on possibilities of investments for their future rents. Those informations were obtained by a method of standardized questionare. The study analyzes those data and identifies possible cause sof measured phenomenona
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Estimation of household total risk
Frömel, Jaroslav ; Koblovský, Petr (advisor) ; Svoboda, Miroslav (referee)
The thesis focuses on estimation of household total risk exposure and factors affecting this estimation. The risk is represented with a financial loss of 20k CZK in the next month and with a financial loss of 50k CZK in the next 12 months. Nearly a half of participants in the survey (n=55) estimates the likelihood of this financial shock as being low, however the number of participants with high estimate increases for the next 12 months. The estimate of total risk exposure increases with age, for self-employed and single parents, next with income and assets, however overall wealth decreases the estimate. Significant factors are education, financial behaviour and cognitive abilities which all have a decreasing effect on the estimate. Availability is considered as significant having a positive effect while biased evaluation of risks has a negative effect. Time preferences can play an important role in the estimation of a long-term risk.
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Social dimension trap financial of persons with reduction of law act in town Písek
HLAVÍNOVÁ, Věra
This thesis is oriented at social dimension debt trap of persons with reduction of law act in town Písek. My thesis contains theoretical and practical process of problems. The theoretical part describes debt itself, defines kinds of debt oriented for the mention persons. Practical part of this thesis is dedicated to the research from the town Písek. The goal is to find out, how big the impact of debt and debt trap on the persons with reduction of law act.
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The Financial Literacy for Secondary Education
RŮŽIČKOVÁ, Barbora
The thesis deals with financial literacy in secondary education and its possible improvement. Author describes the administrative way from planning to commissioning of requirements for students to practice. It is also mentioned the importance of financial education for society and individuals. The thesis mentions the basic documents on the issue and the role of relevant ministries and the banking sector. There is also solved support for teachers who teach financial literacy in secondary schools. The practical part of the thesis observed research of financial literacy at the secondary school, its organization and results. The findings are compared with the findings of quantitative research conducted for the Ministry of Finance in 2007. The aim is to determine whether students who learnt basic elements of financial literacy, have higher skills and are able to focus better on financial market than respondents in 2007. The conclusion of the thesis contains instructions and advices to do the learning process more effective.
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Financial mathematic at secondary school
ISER, Aleš
The aim of this work is to define financial literacy as one of the main themes of the contemporary world in relation to basic education and development of core competencies. Work summarizes the theoretical knowledge of literature, which converge the issue of financial mathematics and education of students in the selected areas. Simultaneously explore different options for care of pupils in mathematics at elementary school, describes the procedures and methods of work and does not avoid the specifics of working with gifted students or students with learning disabilities, particularly dyscalculia. Other chapters are devoted to practical knowledge. As part of the thesis project and a collection of worksheets, which could facilitate the work of teachers of mathematics, where teachers and other approbation (such as civic education), in which subjects there is a financial mathematics.
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Public's insolvency as a social problem
Pajdová, Zuzana ; Sedláková, Jaroslava (advisor) ; Krbová, Jana (referee)
This bachelor's thesis will be concerned with the problem of people's debts in excess, who have low incomes. It will also search for reasons, why do the people lend more than they can pay for, and what are effects of these factors on their life. In theory it will sketch out general issue of consumer lending and possibilities of public's education towards the financial literacy. The intention of this thesis is a concept of possibilities solving public's insolvency and prevention of this event.
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Osobní finanční plán
Svíčka, Michal ; Smrčka, Luboš (advisor) ; Zámečník, Petr (referee)
Práce ukazuje, že finančně gramotní lidé vnímají peníze jako oboustranný tok, jako příjmy a výdaje, a to v čase. K takovému uvědomění jim neustále pomáhá právě písemný osobní finanční plán. Ten slouží ke kontrole peněz, k plánování jejich toku v čase, k jejich získávání, ochraně a rozmnožování. Jeho přínosem je efektivnost ve finančním rozhodování a řízení finační situace. Pomáhá zároveň jako mnemotechnická pomůcka při dosahování finančních a potažmo životních cílů a potřeb.
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