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National Repository of Grey Literature 1 records found  Search took 0.01 seconds. 
The impact of general literacy on rate of overindebtedness of persons
 Švec, František ; Šťastný, Daniel (advisor) ; Rod, Aleš (referee)
The work examines the impact of general literacy, for which as a proxy variable level of completed education was elected, on the rate of debt of insolvent persons and their subsequent entry into insolvency proceedings. The research was conducted using a regression model expressing the causal relationship between the amount of the debt of insolvent persons, education level and other control variables. In the models data of 200 people who asked for enter into insolvency proceedings were used. These data were collected by insolvency administrators and also advisors for borrowers Ing. Vladimír Švec and Ing. Pavel Moc. The work also reveals other determinants influencing the debt of insolvent persons, both using a model and comparing the characteristics of over-indebted persons and a population of Czech Republic. It proves that the rate of debt of insolvent persons increases with increasing level of education. It was also proved that with increasing level of education the probability of over-indebtedness of people and their entry into insolvency proceedings decreases. As a byproduct of my thesis the relation between the rate of debt of insolvent persons and gender, age, marital status and income was revealed.
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