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Trends in Indebtedness of Czech Households
Kubátová, Klára ; Tuček, Miroslav (advisor) ; Gruber, Petr (referee)
The bachelor thesis deals with indebtedness of households in the Czech Republic. At first, specifics of consumer loans and mortgage loans, which are mostly used by households, are explained. The following two chapters are the main subject of the thesis. The evolution and structure of household indebtedness in recent years are analyzed in them, as well as some factors are evaluated that could influence the evolution of household indebtedness. The last part of the thesis is devoted to over-indebtedness and the issue of personal bankruptcies, the use of which has lately been growing.
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Financial literacy in teaching economic subjects at secondary schools – processing didactic curriculum
Taulová, Jana ; Králová, Alena (advisor) ; Holečková, Lenka (referee)
The thesis deals with the level of financial literacy of secondary school students. At the beginning of the thesis I mainly focused on general issues regarding financial literacy, I explained the essence and justified the need for financial education. I describe current development and practices in the implementation of financial literacy in schools. I devote considerable attention to analysis of pedagogical documentation. My focus is not only theoretical but also practical comparing of financial literacy levels two fields of study from one of the same secondary school educational process and I suggest didactic processing the chosen topic. In conclusion I evaluated the problems of financial literacy.
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Loans, Czech households´ indebtedness and insolvency
Suchá, Jana ; Smrčka, Luboš (advisor) ; Schönfeld, Jaroslav (referee)
The aim of this bachelor thesis is to analyse current Czech households' indebtedness and to describe problems which can the heavy indebtedness cause. The part one is focused on products of common banking and non-banking institutions that are bidden to Czech households now. The thesis continues with comparsion of Czech households' indebtedness in comparsion with the European union households' indebtedness. Third part of this work brings the description of execution process and insolvency. Upon this theme is also aimed practical part of this work, the main accent of which is being put on the detail description of personal bankruptcy.
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Personal and family finance and actual financial crisis
Černá, Martina ; Smrčka, Luboš (advisor) ; Schönfeld, Jaroslav (referee)
Household debt grows up from the second half of the nineties of the century thanks to growing a living standard. More people provide own living and consumer credit increases. Because of financial crisis many people feel deterioration of working conditions and just the loss of regular earnings leads to problem with paying of a debts. The diploma thesis will be concerned with the problem of people's debts in accordance with personal and family finance and deal with responsible approach to loans, impacts of unpaid debts and solutions how to avoid the debt trap.
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Loans and Debts
Koubková, Jana ; Pokorný, Pavel (advisor) ; Pokorná, Magdalena (referee)
This bachelor thesis deals with loans and debts. The first section describes loans and credits. There are presented simple calculations relating to the loans. The thesis also mentions the impact of financial crisis on loans. The second part deals with the debts. The main emphasis is on personal bankruptcy, which is analyzed in detail. Part of this work is also a chapter devoted to the registers of debtors. Thesis focuses more on personal entities; legal entities and the state are mentioned only in passing.
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