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Analysis of consumer loans in terms of APR with focus on microcredit
Hesová, Alžběta ; Radová, Jarmila (advisor) ; Fleischmann, Luboš (referee)
The thesis is focused on consumer loans either from a regulatory standpoint including comparison of two legislative resources and from practical view focusing on real-life examples from Czech banking and non-bank providers. The main focus of analysis is to determine the impact of credit parameters on the APRC. Considerable portion of the thesis is dedicated to a specific area of consumer loans, microcredits. Even here the primary aim is the regulation of microcredits, the providers participating in the administration of microcredits and the calculation of the impact of principal, maturity and costs of credit on the APRC.
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Consumer financing
Peterská, Karolína ; Schlossberger, Otakar (advisor) ; Marek, Petr (referee)
The aim of this paper is to compare the terms and conditions for consumer loans offered by banks active in the Czech Republic and to gauge which offer is the most advantageous for prospective clients. In addition to this comparison I also study the process of applying for a consumer loan by defining a process in which the client can select the bank that offers the most attractive terms. In conclusion, I evaluate whether I have succeeded in the goal of identifying the most advantageous consumer loan offer using the chosen method of comparison.
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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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Consumer loan regulation
Babinec, Milan ; Ježek, Tomáš (advisor) ; Štěpánek, Pavel (referee)
On April 23rd, 2008 the Directive 2008/48/EC on credit agreements for consumers of the European Parliament was adopted in Europe and became effective as of June 11th, 2010. The fundamental concept of my graduation theses is based on the information relevant for the sphere of the consumer credit regulation in context of above mentioned Direction. I have endeavored to record the principles of these changes in particular connection with the Czech Republic. This theses reveals various spectrums of components as fundamental terminology, principle of RPSN calculation, interest rates of consumer loans regulation, comparison with regulation of this area with regulation in other European countries and in Japan, impact of current financial crisis upon sphere of consumer credits, effects of new executor's regulations, possibility of usage of various registers of debtors, question of personal bankruptcy and at the close methods and conditions of current consumer credit's providers within the Czech Republic. The intention of my theses was to inform the readers about the up-coming changes and regulatory measures which should increase the efficiency of consumer loans providing and decrease the volume of indebted people and to provide the readers also with arguments for and against these planned measures.
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Analysis of the APRC for consumer loans
Ernstová, Pavla ; Coufal, Libor (advisor) ; Špániková, Kateřina (referee)
The thesis titled "Analysis of the APRC for consumer loans" begins with basic economic knowledge of the consumer loans, mutual context and legal background. Key emphasis is placed on the pointer annual percentage rate of charge. Analyzed loans are selected from wide range of bank and non-bank institutions that meet the specified parameters. For each loan there is comparison of calculated and actual values presented in the APRC. Next part of focused on overall comparison of the obtained results. Last section provides theoretical recommendations for future development.
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Consumer loans provided by banking and non-banking institutions
Klárová, Adéla ; Radová, Jarmila (advisor) ; Rajl, Jiří (referee)
This thesis deals with consumer loans provided by banking and non-banking institutions in the Czech Republic. The aim is to compare the access of providers, representing concrete group, to clients. The thesis defines the most important concepts which are closely related to this issue, likewise regulations and laws that apply to this area of business. It describes in detail the process of loans providing, from loan application to loan repayment, alternatively not repaying the loan, including a brief mention about the psychology of the debtor and the effect of advertising on one's decision. Attention is paid to registers which are accessible to the individual providers. The practical part deals with selected banking and non-banking institutions and evaluates their different or comparable access to consumers.
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Consumer protection in area of financial services
BOBKOVÁ, Hana
Graduate work focused on the current situation on the consumer credit market. The aim was to map the current market and the experience of the provision of financial services, in particular in the non-banking sector. On the basis of the results of the research were analysed experience and problems of the consumers, and also views of the lenders.
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The use of the social Networks for Competitive Intelligence in Provident Financial
Klápová, Nikola ; Molnár, Zdeněk (advisor) ; Hawlová, Kateřina (referee)
This thesis deals with the use of the social Networks for Competitive Intelligence theme in Provident Financial. The main objective of this thesis is to propose the set of recommendations for the effective use of social networking of the company. The recommendations are based on the analysis made for use of social networking by the competitors. The first part of the thesis deals with the issue of the social networking and competitive intelligence. The theoretical part of the thesis explains the social Networks concept and presents the selected Czech and World social Networks and explains the CI concept. The practical part of the thesis presents Provident Financial, the current condition of social networking and company CI. The main competitors are analyzed by the social networking activities. This analysis of the competitors is summarized into one report containing the benchmark ratings. The results of the benchmarking serve as a basis for the set of recommendations for the effective use of social networking of Provident Financial.
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Solutions of disputes in the area of consumer contracts
SEKANINOVÁ, Božena
The aim of this work with a title Solution of disputes in the area of customers contracts was desribed, analyzed and compared economic a legal aspects, advantages and disadvantages by the solution of customers contract in the arbitration and in the lawsuit. Next aim was comparison the czech law with the law in Slovakia, when it was turned to the arbitration and disputes in the area of customers contracts. Then there was desribed and analyzed the problems of the arbitration centre position and the custumers contrancts with arbitration clause, according to the law effective before and after the day of the 1 st April 2012. In conclusion there was defined some changes in legislation.
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