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Islamic Interest-free Banking
Vopálková, Eva ; Kropáček, Luboš (advisor) ; Gebelt, Jiří (referee)
This diploma thesis attempts to explain the background of the origin of Islamic interest-free banking, where the first part of the thesis is devoted to the attitudes of ancient jurisdictions towards interest in the Old Testament and the Christian middle ages. It also tries to explain the basic principles of Islamic banking's functioning, the specific products it offers, and to show its position and practices in selected Muslim and European countries.
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Issues of interest and educational performance of Church
Gronát, Vladimír ; Opatrný, Aleš (advisor) ; Bravená, Noemi (referee)
This work deals with the Christian vision of the interest on loans. The first part of the thesis discusses biblical passages, opinions of a Fathers of the Church and conclusions of early councils. The text briefly surveys the historical development of the own concept and gradual differentiation between usury and interest. Furthermore, this work mentions recent Church documents relating to loans and interest. In the second part, the thesis deals with the current state of affairs around consumer loans and household debt in the Czech Republic from the different points of view such as law, economic and sociology statistic, current government projects, non-governmental organizations. Attitudes and statements of the Catholic Church in the Czech Republic related to this topic are also mentioned. The work also gives prototype of real and applicable educational output for the couples preparing for the sacrament of marriage in the third part.
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Legal instruments for the protection of weaker side within the obligation
HLADOVÁ, Barbora
The aim of the thesis is to discuss of significant principle in civil law, protection of weaker sides and about instruments leading to the realization. The work is focused on the allocation of specific tools for protection the weaker side. For these purposes, the existing legislative measures are used. The thesis deals with the disproportionate shortening also named Laesio Enormis, the contracts that are concluded with an adhesion method and the usury. Subsequently, there is analysed the chosen area of the protection of weaker side within the obligation which is the protection of consumer. From the findings is carried out the research by the questionnaire. Obtained data are analysed by the program Excel and from these outcomes, there is evaluated the conclusions of the work.
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Analysis of usury legislation
Červenková, Tereza ; Lechner, Tomáš (advisor) ; Jurčík, Radek (referee)
The project analyzes current legislation on usury in the Czech Republic and the financial literacy of the adult population. On 1 Dec. 2016, an amended Act on Consumer Loans entered into force and this project examines it. The project compares Czech legislation on usury with selected European Union countries. Czech legislation is similar with German and Portugal legislation, especially in terms of civil law. The most effective legislation can be considered in Spain, which explicitly stipulates allowed interest rate limits. Based on that, Czech legislation on usury should be adjusted. The research results show a correlation between respondents' highest-achieved level of education and their financial literacy levels. The research also finds that the number of court distraints (property seizures) and the willingness to borrow money is lower among respondents with university-level education than for respondents with secondary and basic school education. When comparing our findings with research by STEM/MARK dating from 2010, it is clear that the financial literacy of the adult population in the Czech Republic has not changed significantly since that time.
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Auction Portal with Non-banking Loans in The Czech Republic
Hadač, Marek ; Pochyla, Martin (referee) ; Heralecký, Tomáš (advisor)
This thesis delas with the business plan of the internet auction portal with non banking loans. The main aim of the thesis is on the base of financial plan and financial alalysis design functional system which would be realizable in practise. In theoretical part I deal with internet auctions and also legislation of consumers contracts and loans. In practical part comparing the loan market and proposal of business solution.
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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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Dimensions of the problem indebtedness of the populatin in the Czech Republic after 2000
DOLEŽALOVÁ, Petra
My bachelor thesis deals with the explanation of basic terms related to the debt issue. Among the basic concepts which the work is engaged, eg. Financial literacy, usury, execution, poverty, etc. in my bachelor work closely learn about with the causes of debt, debt prevention and consequences of debt. This work also deals with social work with debtors and introduces us to a debt-vulnerable group of people. The thesis analyzes the problem of indebtedness of the population in the Czech Republic after 2000. The problem is elaborated after 2000 because of the increase in non-financial institutions in the market in the Czech Republic, which brought negative economic and social problems which are mutually intertwined.
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Comparative analysis of credit services of non-bank institutions
Kolská, Šárka ; Horová, Olga (advisor) ; Šmejkal, David (referee)
The aim of the Bachelor's Thesis is comparative analysis of non-bank loan institutions in the Czech Republic from the consumer perspective. It also intends to put them into context with other related topics and to evaluate the hypothesis of disadvantageousness of non-bank credits in comparison with bank credits. The theoretical part deals with financial literacy, differences between bank and non-bank institutions and results of previous qualitative research of their credit services. Attention is paid to the ethical problem represented by usury. Pawn shops and presentation events are mentioned as well. The thesis focuses on property seizure, personal bankruptcy and debt consultancy of non-profit organisations too. The practical part of the thesis contains comparison of selected non-bank institutions and comparison of a loan product of a concrete bank and one of non-bank company. The practical part also contains comparison of important non-profit debt counselling centres in the Czech Republic in terms of their services and their way of funding. The conclusion of the thesis aims to suggest solutions to risks of non-bank credits for consumers.
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The Model of Interest-free Monetary System
HAWI, André
Over the ages, religions varied in their beliefs and teachings, but one of the aspects which most of them shared is the antipathy towards charging interest. Many models and methods that effectively achieve their purpose without relying on interest had been developed and resulted in success. Some of these models were hindered and eventually banned by local authorities, others survive to this day, such as JAK members' bank and the Islamic monetary system. When comparing a loan from an interest-free bank to a loan in a conventional bank the result was a little misleading since the monthly installments in the interest-free bank studied were higher. However when the loan costs of both kinds of banks were compared the interest free bank turned out to be much cheaper. The results and analysis made in this thesis can be further analyzed in the sense of depth, collection of data, and experiments.
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The Criminality of Romany Ethnicity in the Czech Republic and the Project of the System of Mentoring in the Criminal Justice
MINAŘÍK, Michal
Thesis is dedicated to the criminality of Romany ethnicity in the Czech Republic and the project of the System of mentoring in the criminal justice. The introduction part is about the history and criminality of the ethnicity. This part contains statistical data and possible causes for the criminality. The main part is dedicated to the most common illegal ways of earn living. This part is connected with part which describes the System of mentoring in the criminal justice. The practical part is aimed at check on the hypothesis of the effect and function of the project. This part is supplemented by statistical data and outcomes of the research.
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