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The Debt Problems of Elderly People
NEUWIRTHOVÁ, Jana
The thesis deals with the problem of the debts of seniors - the social group that is currently a very actual topic in society. The aim of the bachelor thesis is to state the most typical ways how the seniors can get indebted and how to help them in order to avoid debt traps. The bachelor thesis describes the financial indebtedness of seniors, that leads to unfavourable financial and life situations. The result of this situation is the execution. The thesis explains terms such as execution, court executors and also their practices. It also summarizes the rules and the steps of the social work with the indebted people as well as the prevention and the methods of work with the seniors.
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Teaching debt counseling in social-oriented tertiary education
Jonášová, Alena ; Dragomirecká, Eva (advisor) ; Čabanová, Bohumila (referee)
(in English): The main aim of this bachelor thesis is to find out whether the subject of debt counselling is tought at tertiary educational institution social-oriented. The main reason for this sanctify work lies in big important of debt issues in current society. It is necessary to deal with this issue in the area of social activities in the form of debt counselling. This bachelor thesis consists of two parts. The theoretical part deals with debt issues, debt counselling and education and training in social activities. Further more this theoretical part is based on the recherche and studying of scientific and specializes literatury. The practical part is trying to find with the help of three methods whether colleges and higher secondary schools offer knowledge and skills of debt counselling and debt issues. This survey was execreted at selected social - oriented schools - higher secondary schools and bachelor program of colleges located in Prague. The result of practical part is the summary of all data gather during the survey process.
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Debt trap: possible solutions of debt problems
Juppová, Tereza ; Angelovská, Olga (advisor) ; Ochrana, František (referee)
The thesis "Debt trap - the possibility of resolving the debt issue " is concerned with how the public policy of the state responds to the increasing indebtedness of Czech society and that address the causes and consequences of this debt. Features a history of borrowing money and significant impact on society interest in history and in the present. It also shows what causes can lead to debt and the consequences of over-indebtedness bears. Specific cases of clients with debt issues provides a chapter on the social counseling (Občanská poradna Plzeň - Citizens Advice Bureau Plzeň), which among other increasingly engaged in consultancy in the field of debt. The main part is the analysis of public policy events - it is a holistic approach to policy examined, the selected aspects, events, actors, goals. The analysis traces the development of indebtedness of Czech citizens and state intervention and non-state actors in this issue. Also evaluates the actors in this issue shows the complexity of the process of recognition of a social problem and highlights the influence of public interest and political culture of the state in the implementation of public policy. In conclusion, given the public attitude to the issue of debt in the Czech Republic.
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Comparative analysis of credit services of non-bank institutions
Kolská, Šárka ; Horová, Olga (advisor) ; Šmejkal, David (referee)
The aim of the Bachelor's Thesis is comparative analysis of non-bank loan institutions in the Czech Republic from the consumer perspective. It also intends to put them into context with other related topics and to evaluate the hypothesis of disadvantageousness of non-bank credits in comparison with bank credits. The theoretical part deals with financial literacy, differences between bank and non-bank institutions and results of previous qualitative research of their credit services. Attention is paid to the ethical problem represented by usury. Pawn shops and presentation events are mentioned as well. The thesis focuses on property seizure, personal bankruptcy and debt consultancy of non-profit organisations too. The practical part of the thesis contains comparison of selected non-bank institutions and comparison of a loan product of a concrete bank and one of non-bank company. The practical part also contains comparison of important non-profit debt counselling centres in the Czech Republic in terms of their services and their way of funding. The conclusion of the thesis aims to suggest solutions to risks of non-bank credits for consumers.
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