This thesis delas with the business plan of the internet auction portal with non banking loans. The main aim of the thesis is on the base of financial plan and financial alalysis design functional system which would be realizable in practise. In theoretical part I deal with internet auctions and also legislation of consumers contracts and loans. In practical part comparing the loan market and proposal of business solution.

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This study compares the financial knowledge of Korean (N = 1006) and German (N = 1346) university students. The country-specific adaptations of the US-American Test of Financial Literacy was used to assess financial knowledge. Financial knowledge can be divided into three areas (everyday money management; banking; insurance). German students show a slightly higher knowledge of everyday money management and insurance. Korean students tend to be stronger in the area banking. The paper examines the impact of gender on financial knowledge and the role of financial information gathering. A gender difference is determined in Germany, but not in Korea. Male students in Germany score higher than female students. An analysis of variance shows that Korean as well as German students who inform themselves more frequently about financial topics achieve a higher financial knowledge score. The article shows that it is possible to validly measure financial knowledge in Germany and Korea, which have different economic systems.

Much research has been done showing the difficulty people have with word problems. This has been shown to be true for many types of word problems and for different demographics. Questions have remained unanswered regarding the reasons for this difficulty. It has been unclear if the word problems were hard because the people had forgotten or had not yet learned how to do the math calculations involved or for some other reason. This study deals with high school students who are currently in a high school level math class. They were given an assessment involving word problems and number-only problems. The results demonstrate that these students can do the math calculations needed for the problems but that the difficulty lies in their ability to formulate the word problems into correct mathematical expressions. Among the students in math classes higher than Secondary 2, it cannot be shown that those who have passed Financial Literacy demonstrate a significantly higher ability to do word problems with p > 0.05.

В данном диссертационном исследовании рассматриваются теоретические основы проектной деятельности как подхода к управлению общеобразовательным учреждением, разрабатываются пути реализации проекта «Финансовая грамотность» в рамках Программы развития общеобразовательного учреждения через взаимодействие образовательных учреждений. / This dissertation research examines the theoretical foundations of project activity as an approach to the management of a General education institution, develops ways to implement the project «Financial literacy» within the framework Of the program for the development of a General education institution through the interaction of educational institutions.

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Trust is essential for individuals. We want others to keep their promises and meet our expectations (Dan der Cruijsen et al., 2020, p.680-681). This also applies to banks. For many individuals, trusting their bank is essential to ensure financial security. The interest rate increases between 2022 and 2023, and the increased bank profits, as a result, caught the attention of many individuals. Could two events like these possibly disrupt individuals' trust toward banks? As a result of the high inflation in Sweden in recent years, interest rates increased significantly between 2022 and 2023 which shocked many individuals. Furthermore, banks' profits increased because of the increased interest rates. While banks are profit-making companies, they need to be cautious not to lose the trust of their customers.  This study is based on theories fundamental to answering the study's research questions and purpose. The purpose is to provide an understanding of the factors that affect individuals trust toward their main bank. In addition, the study analyzes factors that may influence the disruption of trust toward banks. The focus will be on whether the interest rate increases and banks' increased profits between 2022 and 2023 have disrupted individuals' trust. The theories used to respond to the purpose are the anchoring effect, point of reference, financial literacy, asymmetric information, and overconfidence.  A quantitative method was adapted for this study to collect data through a questionnaire. By building the questionnaire on appropriate theories, we could examine how our results were consistent with previous research. Later, a linear regression analysis was conducted in Stata based on our collected data. Correlation, multicollinearity, and heteroscedasticity were tested to obtain proper values.  The results from this study show several factors that affect individuals' trust toward banks. Also, it indicates that the sudden interest rate increases and the increased bank profits between 2022 and 2023 disrupt individuals' trust toward banks. Some factors that affect the level of trust are whether the individual has experience of incorrect financial advice, lives in a small city, and feels that they do not receive enough information from the bank. These factors can be linked to previous research on asymmetric information. Other factors that affect trust are how easily individuals generally trust other people and whether individuals visit a bank office for banking affairs. These factors can be linked to previous research on point of reference. Furthermore, individuals having an elementary school degree as the highest education level and unemployed individuals are factors affecting trust that can be linked to financial literacy. These mentioned factors are only a few, the remaining ones are to be found in the result.  This study provides a better insight into trust and trust disruption because of the two events, increased interest rates, and increased bank profits. The results are beneficial both for individuals and banks.

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