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Debt problematics in social counseling clients in the age of 18-26
ŠOURKOVÁ, Kamila
This diploma thesis deals with the issue of debt of people in the age category 18-26 years. The object of the diploma thesis is to map the reasons for the indebtedness persons in the age of 18 - 26. To accomplish main object were set two sub-objectives: 1. Identify the reasons that lead to indebtedness. 2. Identify competencies whose absence may lead to indebtedness. The thesis is divided into theoretical and empirical part. The theoretical part includes description of the term dept problematic, definition of commitments, characteristics of indebtedness and overindebtedness, the reasons of debts, social counseling, the klient of social counseling and last but not least, debt counseling as a social counseling activity. In the empirical part is described the research itself, which includes objectives, research questions, methodics and results of research and last but not least discusion and result of whole research.The research was used qualitative strategies, method of questioning and semi-structured interview technique. The basic sample for this thesis were formed by clients of social counseling in Příbram. The research results into the fact that people in the chosen age group are most often indebted because of the lack of financial literacy, which leads them to falling into a debt trap, which then deepens, mainly because of their indiscretion. The main cause of debts in such young peoples is the separation from the family and the searching for adequate housing. The research also proved that this group of people is located on the brink of society and will find it difficult to deal with this situation, as they know the solutions but rarely know where they can find advice or help. The consequences of their actions then have a bad effect on their psyche and subsequently worsen their health. The results of thesis can be used as educative material for wide public. The thesis can be also publicated in the local peridiocals in terms of the actual topic in connection with the amendment of insolvency act. It can be also used in social work with the chosen age group. For social workers can served as insight into this problematic.
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Teaching debt counseling in social-oriented tertiary education
Jonášová, Alena ; Dragomirecká, Eva (advisor) ; Čabanová, Bohumila (referee)
(in English): The main aim of this bachelor thesis is to find out whether the subject of debt counselling is tought at tertiary educational institution social-oriented. The main reason for this sanctify work lies in big important of debt issues in current society. It is necessary to deal with this issue in the area of social activities in the form of debt counselling. This bachelor thesis consists of two parts. The theoretical part deals with debt issues, debt counselling and education and training in social activities. Further more this theoretical part is based on the recherche and studying of scientific and specializes literatury. The practical part is trying to find with the help of three methods whether colleges and higher secondary schools offer knowledge and skills of debt counselling and debt issues. This survey was execreted at selected social - oriented schools - higher secondary schools and bachelor program of colleges located in Prague. The result of practical part is the summary of all data gather during the survey process.
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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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Ethical aspects of debt and its consequences for society from the perspective of social workers.
EMR, Tomáš
Emr, T. Ethical aspects of debt and its consequences for society in terms of social workers. České Budějovice 2016. Diploma. University of South Bohemia in České Budějovice. Faculty of Theology. Department ethics, psychology and charity work. Supervisor RSDr. Jan Mišovič, PhD. The thesis deals with ethical aspects of debt and over-indebtedness and its impact on society. It describes debt as a problem originating from the mindset of contemporary consumer society, reflects the risks of individual financial products available on the market, offered by banks and non-banking institutions in particular. It outlines the historical development of the consumer society and usury as a social problem. It describes the causes of indebtedness, risks associated with it (usury, execution) and current state of Czech society. It also includes a view of the social workers, who work with clients caught in a debt trap as a part of the professional social counseling on such issues.
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