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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
Strejc, Pavel ; Kopecký, Martin (advisor) ; Šerák, Michal (referee)
Financial literacy Financial illiteracy among the population is a painful problem, probably in every country in the world, including Czech Republic. The first part of this work intends to define financial literacy as a subject of andragogy. The next parts are concerned with various researches regarding financial literacy, mostly from the United States and from the Czech Republic. Then, many projects, that shall improve financial literacy among Czech population, are going to be observed and compared. We will see how the main three sectors (the state, commercial subjects and the NGO's) are cooperating in order to achieve the common goals in spreading the financial literacy. The last part of this work is about dividing the population into various groups on the basis of their financial literacy level.
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Phenomenon of Czech Household Debt
Šrédlová, Jana ; Mašková, Pavla (advisor) ; Dobiášová, Karolína (referee)
The bachelor work deals with an issue of Czech household indebtedness. The author focuses especially on a topic of over-indebtedness and its causes. Life on credit became a serious problem, which has negative impact on society. The first part is devoted to explain trends of an increasing consumption based on theories of consumer and postmodern society. The topic of poverty and social exclusion is described in connection of debt problems. The second part engages present situation of household indebtedness in the Czech Republic and compares it with international statistics of European Union. Special part is dedicated to confront situation in Great Britain with the Czech Republic. The key part of work focuses on drivers of over-indebtedness. There are three main reasons: low income, high costs and low level of financial literacy. The author proceeds to analyze ways of prevention the low level of financial literacy, including debt counseling and educational programs for children who attend both primary school and high school. The last chapter explores a profile of a debtor as a result of conducted interviews and analysis of statistical data.
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Development of financial literacy
Stárková, Zuzana ; Krahulcová, Beáta (advisor) ; Zelinková, Olga (referee)
STÁRKOVÁ, Zuzana, Development of financial literacy, Prague, 2012. Zuzana Stárková - Charles University in Prague - Husitská teologická fakulta. Supervisor, Prof. PhDr. Beáta Krahulcová, CSc. Main topic of the diploma thesis is financial literacy, more specifically the risk of its consequences. First part of the thesis deals with definition of financial literacy, its causes and consequences. Next chapters are devoted to monetary literacy, ignorance of which causes many problems in the area of credits, loans and subsequently may lead to indebtedness. This part of the text defines important key words, whose knowledge in essential for using of banking services and products Last chapters of the theoretical part introduce the Consumer Protection Act and the issues of seizures and insolvency. Main objective of the practical part of the thesis is to carry out a research among university students in order to summarize the level of their awareness, knowledge and experience in the financial area.
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Czech pension reform through the lens of behavioral economics
Kahounová, Jana ; Bauer, Michal (advisor) ; Cingl, Lubomír (referee)
Bibliographic citation Kahounová, Jana (2012). Czech Pension Reform through the Lens of Behavioral Economics. Prague, 2012. 79 p. Master Thesis (Mgr.) Charles University in Prague, Faculty of Social Sciences, Institute of Economic Studies. Master thesis supervisor PhDr. Michal Bauer, PhD. Abstract The field of behavioral economics can provide original insights into many areas of economic decision-making. In my thesis I use the point of view of behavioral economics to assess the current Czech pension reform plan. I study time discounting as the main determinant of saving behavior and deal with its relationship to the Czech pension reform architecture. The three fundamental features of the Czech pension reform plan that are examined are entry into the private funded scheme that is to be introduced by the Czech pension reform plan, the contribution rate into the private funded scheme and access to deposits in the private funded scheme. In order to obtain data for my research I conducted own survey. The results of statistical analysis confirmed the hypotheses of behavioral economics that people exhibit heterogeneous time discounting which influences their saving behavior and these characteristics can also determine their preference for the pension reform features. It implies a possibility for policy-makers to...
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The development of financial literacy of the youth leaving children's home
Kačabová, Alžběta ; Valenta, Josef (advisor) ; Lorenzová, Jitka (referee)
This thesis is focused on education of financial literacy of children living in children's homes. It is based on current state of education politics in the fields of financial literacy, the contents of educational programmes and qualitative research of real current state of education of financial literacy in children's homes. The research itself will be made via structured interviews with children from children's homes. The research is focused on discovering the level of financial literacy of older children (15 - 18 years old) permanently living in children's homes, searching for possibilities of improvement of education of financial literacy in children's homes and therefore increasing prevention of social exclusion of young people leaving children's homes due to over-owing which is usually caused by low level of financial literacy. Key words Financial literacy, a client of a children's home, over-owing, social exclusion, the standards of financial literacy, educational politics, educational programs, economizing on financial resources.
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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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