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Possible ways of improving financial literacy of citizens by the non-profit sector
Skuhrová, Petra ; Kotrusová, Miriam (advisor) ; Vychová, Helena (referee)
The title of my thesis is "The potential of non-profit organizations in increasing the financial literacy of citizens". The goal of my thesis is to analyze and evaluate the activity of non-profit organizations in increasing the financial literacy of citizens. It is also focusing on the relation between the government, the for-profit and the non-profit sector in the field of financial literacy. I divided my thesis into six chapters. In the first chapter I defined the research problem, set the goals of my thesis and defined the research questions. In the second chapter I focused on the methodology and the definition of my information resources. For the purpose of this thesis I chose the semi-standardized interview, the analysis of participants and the analysis of documents. In the second part of this chapter I made the review of the information resources which I used for this thesis. My thesis is based on the theory of "the triangle" of the market, the government and the civil society, the concept of the social accounting and the benefits and failures of the non-profit sector. First I focused on the government policy in the field of increasing the financial literacy of citizens. I found out that the first steps the government made in this field were done in the year 2005 when the first strategy...
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Education to economy and financial literacy through family and school
Kramplová, Eva ; Lorenzová, Jitka (advisor) ; Tvrzová, Ivana (referee)
This thesis deals with the education of children to economic and financial literacy at school and in family. Financial and economic literacy is one of the most important topics of the present days. The theoretical part of this thesis demonstrates different views on this issue. Education to financial literacy is a question of expertise just as a matter of attitude, character and human values. This thesis deals with the legal basis and analyses the Framework educational program for primary education to financial and economic literacy in detail. It presents a particular suggestion of a lesson structure for students of a primary school. The following part focuses on the possibilities of education in the family which places an irreplaceable role in the procedure of education to economic and financial literacy. The empirical part of this thesis presents the results of two separate researches. The first dealt with the issue of how current teachers explain and train financial literacy in primary schools. The second research focuses on young adults aged 18-26 years and their knowledge of basic economic terms, in the background of a subjective assessment of their family and school.
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Analysis of Financial Literacy in Czech Republic
Vu Hong, Ly ; Kolman, Marek (advisor) ; Rajl, Jiří (referee)
The subject of this diploma thesis is financial literacy in Czech Republic. The main interest is the government concept explaining National Strategy on financial education and Financial Education System for elementary schools and high schools. The thesis also deals with consumer protection as it is integral part of financial literacy. Activities of Supranational organizations like European Union and Organisation for Economic Cooperation and Development are presented enhancing their impact on steps taken by Czech government. Eventually analysis of own measuring financial literacy is performed bringing evaluated and compared results. Based on those recommendation are proposed.
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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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Home insurance on the Czech insurance market
Šebestová, Lucie ; Ducháčková, Eva (advisor) ; Daňhel, Jaroslav (referee)
The bachelor thesis focuses on the home insurance market in the Czech Republic. The objective of this bachelor thesis is to analyze and evaluate the constitution and terms of home insurance and to advise which aspects the client should concentrate on, that is before taking out insurance as well as for the duration of the insurance. The text is extended by specific examples based on the current supply of the stated product. The thesis also focuses on problems, that are connected with this insurance product and that should be avoided by potential insurance applicant or policyholder. A questionnaire survey is also a part of this bachelor thesis and it is focused on problems connected to the insurance, if the insurance premium is or is not a part of consumers' expenses and dependence of the home insurance on age and net monthly income.
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Financial literacy at secondary school VIZE
Skořepová, Anna ; Krpálková Krelová, Katarína (advisor) ; Krpálek, Pavel (referee)
The diploma thesis "Financial literacy at secondary school VIZE" is focused on the level of financial literacy at this school. This school is a part of the prison Jiřice. The thesis is divided into two parts, the theoretical part and the practical part. The first one deals with financial literacy. It analyses its components, the definition and development. It also includes forms and methods of teaching financial literacy. The second one, practical part, is focused on the research. This research deals with the level of financial literacy of people in prison, who are educated at SŠ VIZE.
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Relationship between financial literacy and demand of products providing wellbeing in retirement
Zimermannová, Petra ; Radová, Jarmila (advisor) ; Rajl, Jiří (referee)
This master thesis aims to explore the relationship between financial literacy and probability of saving in private pension schemes in the Czech Republic among citizens older than 50 years. While the first part of this master thesis provides overview of pension systems among the OECD countries with emphasis on the Czech Republic, the second part brings the theoretical background for the financial literacy and for the measurements of financial literacy according to international studies. The last part of this master thesis serves as a practical part of this master thesis. In order to examine the relationship between financial literacy and saving for retirement, we performed a logistic regression. We set the probability of saving in a private pension scheme as a dependent variable and independent variables according to the studied literature. The last part of this master thesis also provides the summary of our conclusions about the importance of financial literacy within the decisions about saving for retirement and also the opinion that the lack of financial literacy was one of the main causes for unsuccessful pension reform in the Czech Republic where the second pillar was cancelled recently.
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The development of the crime on credits in the South Bohemia before 2014
BUŠKOVÁ, Tereza
The aim of this study is to analyze the development of committing a credit fraud offence under § 211 of the Act. no. 40/2009 Coll., the Penal Code (particularly the development of this crime and the development of the amount of the damage) and consequent comparing the selected macroeconomic indicators development in the period 2005-2014 in the region of South Bohemia. In this work secondary data analysis methods were used. Statistical data obtained from the South Bohemian branch of the Czech Statistical Office and statistical data from Crime Police of the Czech Republic was used as the source. The data evaluating the amount of detected cases of this crime committed by the offenders in the Region South Bohemia, according to the region where the fraud was commited, was analyzed. The analyzed file was 5,713 offenses and 4,219 offenders. The defined set was divided into seven parts (districts), according to the local jurisdiction of the territorial departments of the Czech Police. The observed data was compared with selected macroeconomic indicators. From the results it can be concluded that the highest rate of loan fraud offence (calculated per 1,000 inhabitants) is in the district Stra-konice. Conversely, the lowest crime in the same period is in the district Jindřichův Hradec. This work also re-vealed that the development of macroeconomic indicators has no effect on the development of this crime. In conclusion, it is recommended to promote economic education at primary and secondary schools, thus improving the financial literacy of the population. Furthermore, we can recommend the consistent use of, the Central Credit Register, which is already available, as well as supporting of changes in the legislation, so that the providers have an obligation to investigate the credit applicants more and make the offenders of this crime discouraged by higher penalties imposed for credit fraud.
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Financial literacy of users of refuges
JANOUŠOVÁ, Věra
Financial literacy is a topic of the day which concerns all the categories of the population in their everyday life. The thesis titled Financial Literacy of Refuge Clients tries to describe the theme of financial literacy from two points of view. On one hand, from the viewpoint of people who, for various reasons, have become clients of refuge and on the other hand, from the viewpoint of social workers who work in refuge. The theoretical part is divided into four subchapters which describe a given issue. An explanation of the basic terminology related to the topic is followed by a subchapter on financial education of children and adults and activities in the field of education. The third subchapter deals with potential effects of financial literacy and the end of the theoretical part focuses on social work with refuge clients. The practical part describes a research which consists of two parts. To achieve the defined goal, a qualitative research has been employed in both parts, using the survey method and the semi-structured interview technique. The document contents analysis was used in the second part of the research. The survey research was carried out in five refuge of Diaconia of the Evangelical Church of the Czech Brethren. The first part of the survey involved fifteen communication partners, users of the refuge as a social service. The second part of the survey involved five communication partners, social workers in refuge. Both survey samples were created by a special-purpose selection. The data gathered in the interviews were evaluated by means of the open coding method. The main goal of the thesis was to find out how refuge clients view their own financial literacy and a potential for improvement in this respect. A sub-goal of the thesis focused on learning viewpoints of the social workers regarding the potential for improving financial literacy of the refuge clients. The survey results have shown that the category of financial literacy within the meaning as defined in literature is not represented in the refuge clients. With regard to their generally difficult situation which also includes their financial situation, the category of financial literacy narrowed to the efforts to make both ends meet at the end of the month and to the question whether or not to deal with financial claims, debts or distraints. This is the setting which has to be the basis for work of social workers in refuge as well. There exists a wide-ranging offer of potential paths leading to financial literacy for all categories of the population, regardless their address. Leaving aside education at school, getting further information is optional, conditioned by everybody's own interest. To increase financial literacy of the clients, social workers may choose from many options, or use their own knowledge and skills. The main prerequisite for success is to adapt themselves to the clients' interest and capabilities. The thesis describes attitudes of refuge clients to financial literacy issues which are identical to the attitudes of this specific category of the population to addressing their difficult financial situation. Social workers become aware of additional possibilities of financial literacy improvement which they can use when working with their clients. Based on the survey results obtained, a comprehensible leaflet has been prepared, containing the essential information about financial literacy. The leaflet in both electronic and printed version will be available for those interested in it, i.e. refuge clients, social workers as well as the general public.
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