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Borrowing the Entrepreneur by Selected Banking and Non-banking Institutions
Václavík, Lukáš ; Ptáček, Roman (referee) ; Rejnuš, Oldřich (advisor)
The bachelor thesis deals with the comparison of the possibilities of lending entrepreneurial subject by business credit by selected banking and non-banking institutions. The individual options are compared on the basis of the analysis of offers from selected institutions with competence on the Czech financial market according to the preferences of the company management. The most suitable external financing options will be recommended for the company.
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Financial literacy of clients in material need
MIKLOVÁ, Kristýna
The bachelor thesis is focused on financial literacy of clients in material need. The thesis is based on the theoretical background that explains the concept of money, financial literacy and its structure, and also points to the importance of financial education, the level of which is set by the Standards of financial literacy for primary and secondary schools. The second chapter of this thesis deals with loans (especially from non-banking institutions), debts and the most extreme solution for non-fulfillment of obligations - the seizure of property. The following part deals with the inclusion of material need in the Social security system in CR, the characteristics of the target group, the description of individual benefits in material need and the list of situations in which the person can be declared in material need. At the end of the thesis, research data is interpreted to find out how respondents perceive financial literacy, how they relate to and how they deal with money. The research group is the clients of the Labor Office of the department of material need in Žďár nad Sázavou.
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Borrowing the Entrepreneur by Selected Banking and Non-banking Institutions
Václavík, Lukáš ; Ptáček, Roman (referee) ; Rejnuš, Oldřich (advisor)
The bachelor thesis deals with the comparison of the possibilities of lending entrepreneurial subject by business credit by selected banking and non-banking institutions. The individual options are compared on the basis of the analysis of offers from selected institutions with competence on the Czech financial market according to the preferences of the company management. The most suitable external financing options will be recommended for the company.
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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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Consumer protection in area of financial services
BOBKOVÁ, Hana
Graduate work focused on the current situation on the consumer credit market. The aim was to map the current market and the experience of the provision of financial services, in particular in the non-banking sector. On the basis of the results of the research were analysed experience and problems of the consumers, and also views of the lenders.
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Optimizing the recruitment process applicants for consumer credit - case Study
Moudrý, Vojtěch ; Říhová, Zora (advisor) ; Střížová, Vlasta (referee)
This thesis is focused on analyzing the process of an online request for a consumer loan. It targets its weak points and creates a set of recommendations that should lead to more user - friendly environment. In the theoretical part, the thesis covers issues of consumer loans and explains topics from user testing and usability. It also describes methodology of the research. The practical part of this thesis is centered around a general simulation model, which was created based on the previous analysis. With this model and using selected methods the thesis identifies critical points common to most tested participants. Based on the results of the user testing, recommendations are made to resolve these issues. The general model was modified according to the validity of these recommendations and then subjected to re-testing. This thesis is unique for the use of an eye-tracking camera among other methods.
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