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Possibilities of Financing of Investment Project in the Business Company
Kalinová, Ivana ; Hučková, Hana (referee) ; Zeman, Václav (advisor)
This thesis is aimed towards overview of current possibilities of financing of an investment project. First part of the thesis is concentrated towards explaining of the terms such as financing, division of sources of financing into individual groups, there are also stated basic information regarding sources of financing. In the practical part, there are noted individual possibilities of financing of a selected investment program based on deliveries of an investment unit into Russian Federation. In the final part of the thesis, there is carried out a comparison of specific possibilities of financing of an investment program, its evaluation from the utility point of view is summarized and there is a recommendation of an optimal variation of financing of the mentioned investment unit.
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The Financing of a New Manufacturing Building
Králíková, Iveta ; Otýpka, David (referee) ; Ptáček, Roman (advisor)
This thesis deals with the evaluation of the investment project for the construction of a new production hall and find the best ways of financing. The introduction presents the methods that can be used to evaluate an investment project financing. It further de-scribes the options that can be used to finance the investment project. In another part of the pre-suspended in the company itself and assess its economic situation. Furthermore, it will work sou-ment of the project. The aim of this study is to evaluate after the finan-cial analysis of the project the best opportunity to finance new production hall using the investment loan. This objective was achieved and the evaluation is done at the end of the thesis.
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Proposal to improve the marketing communication of the company
Ščudla, Roman ; Kaňovská, Lucie (referee) ; Havíř, David (advisor)
The bachelor thesis deals with Marketing Communication within a non-banking company providing consumer loans to individuals. The first part presents the basic concepts of marketing, marketing and communication mix and analysis. Analytical describes a specific company and processes the data listed in the previous section tailored to the company. Based on the available and analyzed data, the last part is processed, namely proposals for improving the company's marketing communication.
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Loans, credit and debt in Czech households
Fialová, Kamila ; Mysíková, Martina
The use of loans and credit is one of the pillars of households' financial resilience and stability. Household borrowing and lending is common in all developed countries and does not necessarily have negative consequences. Indebtedness has a double-edged relationship with household financial resilience. On the one hand, access to loans and credit can improve households' resilience to financial shocks and enable households to increase their welfare by making it easier to smooth consumption over the life course. But on the other hand, high levels of household debt reduce resilience to future financial shocks. Excessive debt can be a sign that a household may not be managing its financial situation and is therefore not financially resilient.\nIn terms of potential impacts, a distinction should be made between indebtedness and over-indebtedness. Over-indebtedness refers to a situation where households are struggling to repay their debts, which can cause financial stress and threaten households' living standards. This study uses two approaches to measure over-indebtedness: objective and subjective. It aims to identify the main factors influencing household over-indebtedness under both approaches.\n
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Financial Literacy and Readiness of Young People to Leave the Children's Home
ZŮBKOVÁ, Irena
The Bachelor Thesis deals with the topic of financial literacy and readiness for independant living of young adults leaving children's homes and their peers growing up in families. The aim of the thesis is the comparison of these two groups. The thesis is divided into theoretical and practical parts. The first one defines terms of institutional education and children's home, including their functions in the area of financial education. In addition, the theoretical part defines the term financial literacy, mainly the terms loans (focusing on short and medium term loans), their payments and risks that might have impact on the life of an adult. Another part comprises the description of financial education in various types of schools that children from children's homes as well as children with family background undertake. In the practical part there were used the following methods: qualitative research, questioning and semi-structured interview. There were involved 10 communication partners at the age from 18 to 20; half of them young adults from children's homes and the other half young adults with family background. The research questions focused on the level of financial literacy, personal budgeting abilities, income and expenses, opinions on loans. A part of the questions dealt with assessing the influence of children's home and family background on financial literacy of young adults. The thesis could be beneficial as it introduces a new view on the comparison of financial literacy of young adults from children's homes and their peers growing up in families. Moreover, it can provide useful information for employees of children's homes and other social workers who meet clients in need of help in the area of financial matters and thus it can improve the preparation of young adults leaving children's homes for their independent life.
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How Households Are Burdened By Loans - August/September 2021
Tuček, Milan
In August and September 2021 survey the Public Opinion Research Centre examined a set of issues relating to money lending and debt repayment. 42% of respondents declare that they themselves or their household currently have a loan. For 57% of them, repaying loans is easy, compared to last year, there was a decrease of eight percentage points in this matter. Three quarters of households create a financial reserve for unexpected cases. Those who declare a good standard of living, from 89%, those with a poor standard of living in 35%.
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Proposal to improve the marketing communication of the company
Ščudla, Roman ; Kaňovská, Lucie (referee) ; Havíř, David (advisor)
The bachelor thesis deals with Marketing Communication within a non-banking company providing consumer loans to individuals. The first part presents the basic concepts of marketing, marketing and communication mix and analysis. Analytical describes a specific company and processes the data listed in the previous section tailored to the company. Based on the available and analyzed data, the last part is processed, namely proposals for improving the company's marketing communication.
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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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