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Debt trap as a couse of homelessness
ŠTĚRBOVÁ, Ludmila
The thesis deals with the correlation between debt trap and homelessness. This is a theoretical work. The first part of the thesis informs about basic financial terms and concepts and financial literacy of the Czech Republic population. The second part describes the phenomenon of homelessness. The forms of homelessness, causes and consequences of homelessness and also pathological aspects associated with homelessness are listed and described here. The last part od the thesis offers solutions to both indebtedness and homelessness. Organizations helping homeless people are described in detail, the most important of which is the non-profit organization the Salvation Army. The thesis also provides information about the Merciful Summer event and presents forms of debt management and new legislation in favor of indebted individuals.
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Debt spiral of an individual entrepreneur and possibilities of its solution on the example of a case study
KURÁŽOVÁ, Eliška
This bachelor thesis examines the causes, course and current financial crisis of an individual entrepreneur caused by a debt spiral. The theoretical part focuses on debt and indebtedness, which is one of the causes of poverty. It describes the debt spiral, its causes, prevention and solutions. It examines the role of institutions and personal bankers in resolving the debt spiral, the legal circumstances of debt relief and personal bankruptcy. These theoretical findings are applied to a case study that deals with a specific debt situation. In cooperation with an indebted businesswoman, it solves her financial situation. The work focuses on compiling a private budget that stabilizes the current situation. The aim of this work is to propose a solution of the debt spiral, to describe the course of the solution and to evaluate the results of the proposed solutions. The research method is a case study. Two types of questionnaires are used in this case study. The interview is further developed from the facts that emerged from the answers to the questions in the questionnaires.
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