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Czech Debt Relief Policy from the Perspective of the Theory of Social Construction of Target Populations
Hanzlíková, Eliška ; Angelovská, Olga (advisor) ; Ochrana, František (referee)
The bachelor thesis Czech Debt Relief Policy from the Perspective of the Theory of Social Construction of Target Populations deals with the development of policy design of Czech debt relief policy between 2013 and 2023, using the perspective of the social construction of target populations theory. The premise of this theory is that the perception (social construction) and power of the target population influence the configuration of policy design. Thus, the main objective of this thesis is to investigate how the policy design of the Czech debt relief policy has changed between 2013 and 2023. In line with the theory, this objective is followed by two sub-objectives, namely to identify the direction of changes in benefits and burdens resulting from legislative changes for the target population and to identify how the frames in which the target population was embedded in policy discourse and media discourse differed. A study of legislation, explanatory memoranda to legislative proposals, and a framework analysis of stenographic records from the lower house of Parliament and selected media content are used to accomplish these objectives. The social construction of debtors is not straightforward and is on the borderline of the construction of the dependents or deviants. The characteristics of the policy...
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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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Indebtedness of Czech households and its influence on quality of life
Rolincová, Martina ; Mašková, Pavla (advisor) ; Háva, Petr (referee)
Martina Rolincová Indebtedness of Czech households and its impact on quality of life Thesis Abstract The thesis "Indebtednesst of Czech households and its impact on quality of life," explores the phenomenon of over-indebtedness and thus, what impacts has this problem on life satisfaction of borrowers and their families. The main goal of this work is to describe these effects and instruments how Czech legislation responds to this negative phenomenon. Part of the work is a qualitative research among borrowers, their families and staff of non-bank credit institutions and agencies of discharge. Based on the analysis of this research and legislative background of this issue finds the author next to insufficient financial literacy also gaps in the legislation in protecting relatives against the consequences of wrong decisions of their family members.
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Social Context of Personal Bankruptcy Debtors in the Central Region
Fialová, Dana ; Pazlarová, Hana (advisor) ; Šťastná, Jaroslava (referee)
Major aim of this bachelor thesis is to discuss the issue of debtors that apply for personal bankruptcy. Region wise will this paper cover the Central Bohemian region and the debtors living in this area. Theoretical part explains the main theories and processes that are crucial for understanding the issue of insolvency. Further will be introduced the insolvency law; and the reasons and factors that lead to a personal indebtedness and a personal bankruptcy. The practical part focuses on debtors from the Central Bohemian Region and provides thorough characteristics of these debtors. Several case studies will be presented, in order to demonstrate the reasons for indebtedness and to depict the insolvency process on the real cases. KEYWORDS: Personal bankruptcy, Debt relief, Debtor, Debt, Obligation, Creditor, Over-indebtedness, Bankruptcy, Financial literacy
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Overindebtedness connected to consumer finance - possible solutions and suggested precaution
Zelený, Martin ; Angelovská, Olga (advisor) ; Trlifajová, Lucie (referee)
This thesis is mapping current situation in the area of consumer lending, shows main reasons and impacts of overindebtedness and also its connetion to consumer lending. The target is to suggest appropriate regulation to lower the rate of overindebtedness, that exists in this area due to the absence of regulation in the area of consumer lending in Czech republic. Suggested regulation insures higher consumer protection and compact rules for all the partcipants on the consumer lending market. It also collects complex information about clients and their debt ratio. It has advantages for all participants.
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