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Indebtedness of Czech households and its influence on quality of life
Rolincová, Martina ; Mašková, Pavla (advisor) ; Háva, Petr (referee)
Martina Rolincová Indebtedness of Czech households and its impact on quality of life Thesis Abstract The thesis "Indebtednesst of Czech households and its impact on quality of life," explores the phenomenon of over-indebtedness and thus, what impacts has this problem on life satisfaction of borrowers and their families. The main goal of this work is to describe these effects and instruments how Czech legislation responds to this negative phenomenon. Part of the work is a qualitative research among borrowers, their families and staff of non-bank credit institutions and agencies of discharge. Based on the analysis of this research and legislative background of this issue finds the author next to insufficient financial literacy also gaps in the legislation in protecting relatives against the consequences of wrong decisions of their family members.
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Educating about financial literacy at primary schools
Šrumová, Lenka ; Tichá, Milena (advisor) ; Stracený, Josef (referee)
This master's thesis focuses on the teaching of financial literacy at lower secondary schools in the Czech Republic. The main goal was to characterize and evaluate a selection of internet based programs that specialize in financial literacy in order to gain insight on how the users view the issue at hand and how they interact with these programs. The thesis employs a qualitative research method. The first section is devoted to the theoretical introduction to finance, its definition, characteristics and the components of financial literacy. A special focus was also put on the development of financial literacy in the Czech Republic and the main documents in which it is grounded. The need for implementation of financial literacy into secondary schools' curriculums was based on surveys about the level of financial literacy among students and public. The practical part of this thesis consists of two closely interrelated sections. Firstly, it outlines and examines three different online programs created to help teachers design their financial literacy courses more effectively. Secondly, the thesis presents a methodological research using structured interviews with open questions and concludes by demonstrating the results. KEYWORDS Financial education, school education, education, financial literacy,...
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Financial education at the secondary school
Kazda, Martin ; Petrášková, Vladimíra (advisor) ; Novotná, Jarmila (referee)
The main goal of this diploma work is to create a concept of one-year two-hour seminars teaching financial literacy at high school. Its content is in accordance with the standards of financial literacy that were defined in the document " The system of establishment of financial literacy at primary and secondary schools ", and which have been implemented in the RVP of high school and secondary vocational education in 2009. In particular, constructivist approach is being applied in the teaching to whose implementation using appropriately chosen teaching methods that are designated in the methodological recommendations of Pedagogical Research Institute. Following teaching materials are drawn up for each thematic unit seminar (household management, prices and money, financial markets, interest and interest calculation, financial products, financial planning and consumer protection): the recommended sequence of intermediate tutorial, theme, tutorial, tutorial presentations, pupil outputs, input and output test. The other goal of this diploma work is a small research through a questionnaire with closed issues, whose main aim was to map out the teaching of financial literacy at secondary schools in the Czech Republic. Keywords Financial literacy, Financial education, Activating teaching methods
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Financial Education and its Position in School Education
Říhová, Barbora ; Tichá, Milena (advisor) ; Jirásková, Věra (referee)
This Master's thesis deals with financial education and its place in school education. The thesis is separated into four main parts. The first chapter defines the concept of financial literacy, historical evolution of financial education in pedagogical reflection and factors affecting individuals in the process of financial education. The second chapter deals with the place of financial education in school education, which is an analysis of selected education policy documents of the Czech Republic and the activities of the actors involved in the development of financial literacy of the population of the Czech Republic. The theme of the third chapter is defining areas of financial education in school education in the private sector. The fourth chapter discusses the role of the teacher in the process of financial education and presents some recommendations.
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Financial literacy as a tool for reducing the debt overburden of the Czech households
Zítková, Michaela ; Veselý, Arnošt (advisor) ; Kohoutek, Jan (referee)
In current time we experience deeper and deeper indebtedness of Czech households and their deterioration into insolvency on one side, on the other side among Czech population was identified a very low rate of financial literacy in the last few years. As a result of these two findings a hypothesis was created that behind the high indebtedness stands the low financial literacy of population and that it is possible to fight indebtedness by increasing financial literacy. The thesis main target is to analyze approach of Czech Republic to financial literacy, particularly as to a tool of prevention of indebtedness of households. Simultaneously its target is to reveal relation between financial literacy and indebtedness. According to these reasons the thesis is based on several theoretical outcomes - the theory of prevention of risky behavior, the theory of financial education as a prevention from hazard and from the theory of implementation as a part of public policy cycle. Examined problem is defined using analysis of indebtedness of Czech households, determines the occasions and results of this risky behavior; and through delimitation issue of financial literacy. Thesis provides a synthesis of knowledge as options and limits of financial literacy in the fight with increasing indebtedness. Empirical part...
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Consumer education in primary schools
FOLTINOVÁ, Marta
This work is aimed at finding resources which are used for consumer education of pupils in primary school. Financial education is one of the most important elements in the field of consumer protection. Financial education leads to strengthening financial literacy of the consumer and the consumer becomes a subject of financial market who knows his duties and consumer rights. The practical part is focused on consumer education and financial literacy in primary schools in the South Bohemian Region. It also determines whether financial literacy is taught in primary schools in the South Bohemian Region, what materials there are for this subject or how the teachers are trained for this form of education. The data for the practical part were obtained via questionnaires. One questionnaire is focused on finding lessons of financial literacy and circulated by e-mails. The second questionnaire is focused on financial literacy of students and is dealt personally. Based on the research it was qualified and recommended to establish a financial club and a day of finance.
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Financial literacy
Stárková, Zuzana ; Krahulcová, Beáta (advisor) ; Zelinková, Olga (referee)
STÁRKOVÁ, Zuzana, Financial literacy, Prague, 2011. Zuzana Stárková - Charles University in Prague - Husitská teologická fakulta. Supervisor, Prof. PhDr. Beáta Krahulcová, CSc. Main Theme of the thesis is financial literacy, especially its level among the citizens of the Czech Republic. It concerns also with main consequences of insuffícient financial knowledge of Czech citizens nowadays. First part of the thesis deals with definition of financial literacy, its causes and consequences. Further, it covers social and psychological aspects of financial literacy. Last chapters are devoted to the topics of personal bankruptcy and insolvency act. The thesis is finished with a casuistry of an indebted family. Key words: Financial literacy, Financial education, Family finance, Banking, Indebtedness, Execution, Insolvency act, Social and legal counselling
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Possible ways of improving financial literacy of citizens by the non-profit sector
Skuhrová, Petra ; Kotrusová, Miriam (advisor) ; Vychová, Helena (referee)
The title of my thesis is "The potential of non-profit organizations in increasing the financial literacy of citizens". The goal of my thesis is to analyze and evaluate the activity of non-profit organizations in increasing the financial literacy of citizens. It is also focusing on the relation between the government, the for-profit and the non-profit sector in the field of financial literacy. I divided my thesis into six chapters. In the first chapter I defined the research problem, set the goals of my thesis and defined the research questions. In the second chapter I focused on the methodology and the definition of my information resources. For the purpose of this thesis I chose the semi-standardized interview, the analysis of participants and the analysis of documents. In the second part of this chapter I made the review of the information resources which I used for this thesis. My thesis is based on the theory of "the triangle" of the market, the government and the civil society, the concept of the social accounting and the benefits and failures of the non-profit sector. First I focused on the government policy in the field of increasing the financial literacy of citizens. I found out that the first steps the government made in this field were done in the year 2005 when the first strategy...
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Financial education as a prevention against over-indebtedness of Czech households
Vltavská, Silvie ; Kotrusová, Miriam (advisor) ; Mouralová, Magdalena (referee)
The diploma work 'Financial education as prevention against over-indebtedness of Czech households' deals with the issue of constantly rising over-indebtedness. In the Czech Republic the number of people who find themselves in financial shortcoming due to over- indebtedness has recently raised. When we compare the Czech Republic with the advanced countries in the European Union, we find out the over-indebtedness is not so high. What is, however, alarming is its dynamics in the recent years. These figures are confirmed with statistic data. The phenomenon of consumer loans started to develop in the late 1990's when the first negative consequences, i.e. social and psychological impact, and distraints, which had not been known so far, appeared for the first time. Mortgages are seen as relatively healthy form of debt because their reimbursement is not as problematic as it is with the consumer loans. Investment into living is considered as long-lasting. There are several possibilities how to cope with debts. One possibility and prevention is financial education the application of which is in the centre of this work, i.e. financial education as the tool for orientation in market environment, part of social work and especially as the prevention itself. The essential part is educational activities and...
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Analysis of Financial Literacy in Czech Republic
Vu Hong, Ly ; Kolman, Marek (advisor) ; Rajl, Jiří (referee)
The subject of this diploma thesis is financial literacy in Czech Republic. The main interest is the government concept explaining National Strategy on financial education and Financial Education System for elementary schools and high schools. The thesis also deals with consumer protection as it is integral part of financial literacy. Activities of Supranational organizations like European Union and Organisation for Economic Cooperation and Development are presented enhancing their impact on steps taken by Czech government. Eventually analysis of own measuring financial literacy is performed bringing evaluated and compared results. Based on those recommendation are proposed.
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