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"Bazaar and pawn shop: ethnography at the interface of formal and informal economy"
Rádl, Michael ; Abu Ghosh, Yasar (advisor) ; Halbich, Marek (referee)
Bazaar and pawnshop: etnography at the interface of formal and informal economy Abstract: In this paper I deal with the issue, regarding what actually constitutes bazaar-pawnshop and what this facility means for different groups of customers. Basic research method is auto- ethnography, because best suits in the situation, where I am myself the owner of such shop and during field research I use my own memories and perform both as a direct participant-owner as well as an anthropologist, examining the environment of bazaar. In the empirical part, I offer a brief characterization of different types of customers, depending on the way how they use the bazaar-pawnshop. By describing and analyzing relationships and interactions occurring in the course of business negotiations in the bazaar-pawnshop, I try to show what this type of economy, often referred to as informal or marginal, means for different groups of customers. In particular, I focus on the question how marginalized groups perceive bazaar-pawnshop and how they incorporate it into their lifestyle. On the basis of collected data I infer that they regard the bazaar- pawnshop as a standard economic facility and as an almost necessary part of their everyday life. Keywords: bazaar-pawnshop, purchase, sale, pawn, loan, used goods, customers, marginalized groups
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Questions of Economics Understanding of Primary School Students
Bartakovičová, Sylva ; Dvořáková, Michaela (advisor) ; Tichá, Milena (referee)
BARTAKOVIČOVÁ, Sylva. Questions of Economics Understanding of Primary School Students. Prague, 2014. Diploma thesis. UK, PedF. The aim of this thesis is to analyze the economic thinking of third grade students in primary school. On the basis of identified deficiencies, a set of ideas leading to more effective teaching is proposed. The theoretical section includes an examination of the state of economic thinking in primary school pupils in the Czech Republic and abroad. This explains the present form of financial education in the Czech Republic, and examines children's understanding, particularly in relation to constructivism. The practical section describes the preparation and implementation of qualitative research in the form of semi-structured individual interviews with pupils in their 3rd year, and 1st grade of primary school. In the conclusion, a set of ideas aimed to develop the financial thought processes of younger school students, supplement their knowledge, and strengthen their overall economic thinking, is proposed.
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Customer Satisfaction Analysis and Improvements
Malochová, Šárka ; Šindelková, Jana (referee) ; Chlebovský, Vít (advisor)
The diploma thesis is focused on customer satisfaction analysis and proposals to increase its level for Provident Financial s.r.o., which has been offering purposeless cash and non-cash loans in the Czech Republic since 1997. The theoretical part describes the issue of marketing research. The practical part is an analysis of the results of a marketing survey conducted on future and existing customers of Provi-dent Financial s.r.o. On the basis of this information, measures are proposed to in-crease customer satisfaction and bring higher sales to the company.
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Analysis of the offer of banking products for students
Voráčová, Marcela ; Blahová, Naděžda (advisor) ; Marková, Jana (referee)
The bachelor thesis deals with banking products for students. The theoretical part describes three basic approaches to systemize banking products. The practical part focuses on the analysis of basic banking products od paticular banks operating in the Czech Republic and Slovakia and their subsequent comparison. Compared products are student account, overdraft, credit card and consumer loans for students. The study also discusses the possibility of introducing tuition fees in the Czech Republic and the approaches to the system of student loans that are used worldwide. It also contains a case study that examines if changes in cost-sharing have an impact on the behaviour of students and higher education institutions.
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Financial Costs of Loans. Their Impact in Income Tax in Concrete Companies
Bednářová, Kamila ; Jurajdová,, Hana (referee) ; Svirák, Pavel (advisor)
My diploma thesis deals with questions arising during loans and debts acceptance and tax deductibility check of connected financial costs for purposes of corporate income tax. It observes the issue from the perspective of corporate bodies and contains guidance for application of relevant law enforcements. The key part is the practical part of my diploma thesis where I approach the real issues of particular business companies in great detail. This part includes proposals for loan and debt optimalization with regard to the tax impact.
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Usurious contracts
Budík, Ondřej ; Moravec, Tomáš (advisor) ; Levý, Jan (referee)
Bachelor thesis deals with the legal issue of usurious contracts in the Czech Republic, especially in the narrow sense of the word. Analyzes the current criminal and private law, while trying to answer whether the New civil code has brought crucial legal tools for fighting usury. Theses is also considering the appropriateness of the possible implementation of the interest rate ceiling into the Czech legal syste and assesses the current legislation
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Household debt in the Czech Republic
Ullrychová, Jana ; Smrčka, Luboš (advisor) ; Strouhal, Jiří (referee)
The Master's thesis deals with the indebtedness of Czech households. The thesis is divided into theoretical and analytical-practical part. The theoretical part deals with the home economic activities and lending. In the analytical-practical part the author describes the evolution and structure of loans provided to households between 1993 and 2014. The debt ratio is appraisaled in relation to bank deposits, net disposable household income, GDP, national debt and compared with households in the EU. In final the author runs to the conclusion that the current level of debt of households is not any problem for the economics and that there is not any danger of the rapid growth of indebtedness nowadays. Ability to repay debts is not too high as evidenced by the increasing number of executions and personal bankruptcies. The cause of difficulties is the low financial literacy of citizens and irresponsible approach to lending for both the creditor and debtor side.
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Consolidation of loans and credits
SLAVÍKOVÁ, Kamila
The aim of this bachelor thesis is to compare the conditions of consolidation of loans and credits by three banks of my choice in the Czech Republic and then to choose the best offer for the potential clients.The introduction deals with the deficit status of households. Afterwards I have provided the explanation of the following words: consolidation, credit and loan. After explaining all the words comes the characteristics of the loans and credits.The last part of the theoretical part deals with insolvency law.The practical part deals with the evaluation of household indebtedness from 2005 through 2015. The entire finance position of the household sector in 2014 is assessed as well as the literacy of the inhabitants in the Czech Republic. Services of the consolidation by Česká spořitelna, a. s., GE Money bank, a. s., a Československá obchodní banka, a. s are also compared. These three banks were chosen on the grounds of a well arranged offer of the products, regarding issues of unification of the loans and credits. In final part of my bachelor thesis it is stated based on the results, by which bank it would be the best for the clients to ask for the consolidation of their loans and credits.
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