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Financial Mathematics in Czech Textbooks from the Marchets's Reform
Melcer, Martin ; Bečvářová, Martina (advisor) ; Hora, Jaroslav (referee) ; Odvárko, Oldřich (referee)
Title: Financial Mathematics in Czech textbooks from the Marchet's Reform Author: Martin Melcer Department: Department of Mathematics Education Supervisor: doc. RNDr. Martina Bečvářová, Ph.D. Abstract: The PhD thesis presents a comprehensive view of the development and the position of financial mathematics in Czech textbooks and collections particularly those used in high schools with consideration of the political situation in our country. The analysed period from 1908, i.e. from the Marchet's Reform, to the present is divided into five principal stages. In each stage textbooks covering financial mathematics instruction in all types of secondary schools are chosen. This shows the level and extent of the presentation, the complexity of the given tasks and problems and the way in which they are integrated into the textbooks or the syllabus, more precisely. At first the basic general characteristics of the textbooks are presented followed by a detailed description of partial topics of study which are then analysed thoroughly and mutually compared. The conclusions of the PhD thesis reflect the current situation of financial mathematics instruction and offer ways leading to the improvement in the level of financial literacy of our citizens. Keywords: financial mathematics, principal, interest, debt, annuity,...
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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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Recognizance of a debt
Samek, Michal ; Černá, Stanislava (advisor) ; Horáček, Tomáš (referee)
Recognizance of a debt The thesis aims to provide overview of judicial and doctrinal solutions of particular issues regarding the recognizance of a debt (as governed by the Czech Commercial Code) and to discuss to what extent the generally accepted solutions could stand up once the Act No. 89/2012 Coll., the Civil Code (hereinafter referred to as the "New Civil Code") becomes effective. Following the general introduction the recognizance of a debt is described together with similar legal instruments. Then the thesis focuses on particular issues associated with the instrument of recognizance of a debt, such as methods of identification of the debt being recognized, relationship between recognizance of a debt and set-off, ways of explicit and implicit recognizance of a debt etc. The thesis emphasizes the judicial solutions of these issues and the respective doctrinal scrutiny. The commercial law regulation (as governed by the Act No. 513/1991 Coll., the Commercial Code) is of the main importance. If appropriate, the civil law regulation (as governed by the Act No. 40/1964 Coll., the Civil Code) is used. As the New Civil Code repeals these laws, the thesis looks into the future and attempts to evaluate to what extent the recent conclusions of practice and theory will be applicable. The thesis also...
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Proposal for Debt Collection Improvement in the Enterprise
Goliášová, Kateřina ; Randýsková, Milena (referee) ; Musilová, Helena (advisor)
Bachelor thesis deals with the issue of debt collection. The theoretical part defines the basic information related to this issue. Receivables are analyzed from the tax, accounting and economic terms. Analytical part is focused on the business entity and describes the actual method recovery and securing of receivables before and after maturity. At the conclusion are designed the hedging instruments and appropriate measures for more effective recovery these claims.
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Social Impact of the Inability to Repay Debts to the Lives of Seniors
LEJTNAROVÁ, Michaela
The bachelor thesis deals with the issue of debt and its impact on the seniors´ daily lives. In my bachelor thesis I defined and then examined the following research questions: 1. Do seniors with families and higher education get into debt less often than seniors who do not have a family and have primary or secondary education? 2. Does the debt situation affect women more often than men? 3. What are the most common causes of the debt situation for seniors? The theoretical part of the thesis describes the current situation. It also explains the basic concepts of the given issue in the area of financial literacy and indebtedness. It deals with the causes, consequences and possible ways of solving it. The aim of the thesis is to point out the given issue and show possible ways to the seniors to get out of the debts. For the research part the secondary analysis of the data obtained by qualitative research was chosen. The research was performed by a semi-structured interview with a sample of women and men aged over 60. The interviews were made in response to the contact received from the Regional Office Příbram of the Czech Republic Labour Office - the Contact Point Mělník. Research has shown that: - seniors with no partners and primary education are more likely to face debt problems; - the most common debtors are men; - the most frequent reason for debt are previously unpaid receivables. The expected contribution to practice is to map out the issues and risks of senior citizens' indebtedness and prevent it.
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Social analysis of debtors in Prague 3 - Žižkov
Bartesová, Gabriela ; Tomeš, Igor (advisor) ; Vodáčková, Daniela (referee)
The bachelor paper "Social analysis of the indebted citizens in Prague 3" focuses on the issues of indebtedness, respectively overindebtedness, it's causes and consequences for single person, or the whole population. The essay tries to answer the question about the origin of overindebtedness, options of it's solution and prevention. The theoretical part deals with the issues by historical aspect and the law aspect too, mainly is focused to the execution of the decision carried out by sale of movable things, and advise for individuals. The research part works with the question, which segments of population the indebtedness concerns at most, by the aspect of gender, age, employment, nationality and education, focused for Prague 3.
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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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Evaluation of the Financial Situation in the Firm and Proposals to its Improvement
Rysová, Ludmila ; Jaroš, Jiří (referee) ; Bartoš, Vojtěch (advisor)
My master´s thesis focuses on the processes involved in conduction of overall financial assessment of the company using financial analysis method. The aim of this thesis is to recommend actions for improving the current financial situation of the corporation Alfa Plastik, a.s. The thesis is divided into four main parts. The first part deals with the general characteristics of the company, the theoretical part describes the financial analysis procedure using new findings and ascertainments from literature. The practical part analyses the financial situation of the company through application of various financial analysis instruments and the final part pursues to actions proposed by me.
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Factoring as a Tool of Credit Management
Jochová, Eva ; Chaloupka, Tomáš (referee) ; Čižinská, Romana (advisor)
This master´s thesis presents factoring as one of the tools of active interaction of credit risk, which creates new chances of supplier’s access to financial resources. The thesis proves the advisability of this modern way of financing in the selected company. Advisability is assessed by comparing the costs of factoring with its contributions. At the conclusion, other possible ways of improvement of present company’s credit management are suggested, that the would contribute to general transparation of the administration and debt collection.
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Application of creditor´s claim in insolvency proceeding
Vyškovská, Vendula ; Hásová, Jiřina (advisor) ; Kříž, Radim (referee)
This diploma thesis deals with topic called Application of creditor´s claim in to the insolvency proceeding. Attention is paid on handling with this debt in the time between registration and review procedure, on which is this debt validated or rejected. This thesis is also focused on characteristics of each type of debt and their registration. The main focus of this thesis is on analysis of the topic - defects of registrations and its consequences on the creditors claim in insolvency proceeding. Part of this thesis is also detailed analysis of each disclaiming act and each person which can do this act. After that are studied consequences of these disclaiming acts. There is also compared current legislation with the old one and used jurisprudence for law interpretation.
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