The aim of my dissertation Autism and a financial literacy is comparing the differences between the education of autistic pupils at special elementary schools or at elementary school in inclusion….. Next monitoring the summary of financial literacy of autistics. The thesis is divided into two parts. The theoretical part contains the information about autism, the list of autistic disorders, methods and possibilities of training of autistic pupils and describes possible causes of its formation. In the practical part I describe the differences between the education of autistic pupils at special elementary school and in inclusion at elementary school ….The research is concerned with the summary and the comparison of financial literacy knowledge of an autistic pupil at primary school with his healthy schoolmates.

Questa tesi si propone di analizzare il tema dell’alfabetizzazione finanziaria secondo tre differenti prospettive servendosi di dati raccolti da un’indagine appositamente creata e somministrata in Italia tra Settembre 2014 e Febbraio 2015. Il primo capitolo guarda alle determinanti dell’alfabetizzazione finanziaria, concentrandosi sul ruolo dei consulenti finanziari, il secondo assume una prospettiva più psicologica sul tema e il terzo guarda alla mancanza di alfabetizzazione finanziaria quale possibile causa di distorsioni comportamentali finanziarie. Gli interventi tradizionalmente volti al miglioramento della consapevolezza finanziaria sono risultati estremamente costosi e con periodi di decadimento particolarmente brevi in tutto il mondo; l’evidenza empirica presentata in questa tesi suggerisce che una forma di educazione finanziaria più graduale e costante, come quella esercitata dai consulenti finanziari indipendenti, sarebbe più efficace. La conoscenza dei canali relazionali che potenziano il ruolo educativo dei consulenti finanziari, potrebbe aiutare a orientare e meglio calibrare futuri interventi educativi, tenendo a mente, tuttavia, che la competenza teorica non garantisce necessariamente comportamenti finanziariamente corretti. In accordo ai risultati ottenuti, infatti, l’alfabetizzazione finanziaria diminuisce la presenza di distorsioni finanziarie cognitive, ma non ha un effetto significativo sulle quelle emozionali. / This thesis aims at investigating the financial literacy through three different perspectives by analysing the data gathered from an ad-hoc survey carried out in Italy between September 2014 and February 2015. The first chapter looks at the determinants of financial literacy, focusing on the role of financial advisors, the second one takes a psychological perspective on the issue and the last chapter looks at poor financial literacy as a possible antecedent for financial behavioural biases. Traditional educational interventions aimed at improving financial awareness proved to be extremely costly and to have a worryingly short decay period worldwide; the empirical findings presented in this thesis suggest that a more gradual and constant form of financial education, such as the one exerted by independent financial advisors, would be more effective. Being aware of the relational channels that enhance the independent financial advisors’ educational role, may help to orient and better target future educational treatments, bearing in mind, though, that the theoretical financial proficiency does not ensure unbiased downstream behaviours. As a matter of fact, according to the results, financial literacy decreases the presence of cognitive biases, but does not have a significant effect on emotional biases.

The project analyzes current legislation on usury in the Czech Republic and the financial literacy of the adult population. On 1 Dec. 2016, an amended Act on Consumer Loans entered into force and this project examines it. The project compares Czech legislation on usury with selected European Union countries. Czech legislation is similar with German and Portugal legislation, especially in terms of civil law. The most effective legislation can be considered in Spain, which explicitly stipulates allowed interest rate limits. Based on that, Czech legislation on usury should be adjusted. The research results show a correlation between respondents' highest-achieved level of education and their financial literacy levels. The research also finds that the number of court distraints (property seizures) and the willingness to borrow money is lower among respondents with university-level education than for respondents with secondary and basic school education. When comparing our findings with research by STEM/MARK dating from 2010, it is clear that the financial literacy of the adult population in the Czech Republic has not changed significantly since that time.

The present diploma thesis deals with the indebtedness of employees of a selected company and the ways to help these employees. The main aim of the thesis is to analyze the present situation of the respective company in terms of foreclosure of its employees and, based on this, to propose possible solutions which might help to improve the financial situations of these employees. The sub-aim of the thesis is to define the reasons for indebtedness as well as to assess the level of financial literacy of selected employees. The thesis is divided into two parts: a theoretical and an analytical one. The thesis uses the following research methods: analysis, semi-structured interview, written questionnaire and secondary document analysis.

The thesis is focused on the evaluation of available alternatives of savings products in the financial market, in which households can increase the value of their savings. Each of these financial instruments is subject to proper analysis. A special emphasis is placed on financial planning and path for achieving financial literacy.

Consulting one's personal finance with a financial advisor should allow even the less financially educated to optimize their financial portfolio. The client-advisor relationship is however a strong case of information asymmetry, which can result in harm being made to the client by the advisor, either knowingly (when the advisor attempts to maximize their own utility, even at the client's cost) or unknowingly (e.g. when the advisor is inadequately qualified in the field). One of the ways to reduce such risks is a proper regulatory framework, which is the core subject of the thesis. At first, the thesis analyzes the current state of financial advisory in the Czech Republic (how it is performed, what part of the population benefits from it, what the main problems are etc.) and shows how the client-advisor interaction ought to be performed. The main part of the thesis describes what the main problems and risks for the client are and which legal measures exist that can reduce these negative effects. The current legal framework in the Czech Republic is then thoroughly analyzed and compared with best-practice of select EU states. Finally, legal measures which are currently being discussed or passed as laws are mentioned. In the very end, other measures which could help make the field of financial advisory in the Czech Republic more efficient are suggested. The aim of the thesis is to provide a compact overview of the regulatory measures currently affecting financial advisory in the Czech Republic, show them in the international context and test the hypothesis that the Czech market of financial advisory is still relatively immature and that further appropriate regulation would improve its effectiveness resulting in higher protection of clients.

The subject of this thesis on "Analysis of the financial literacy of students in selected countries in the world" is a summary description of and a subsequent evaluation of financial literacy in the Czech Republic, the United States and Taiwan. The thesis particularly focuses on an assessment of the level of financial literacy of students in individual countries and on the evaluation of the data obtained from its own investigation. The last chapter is the overall comparison of the three states from the data obtained from own investigation and the data processed in the international study.

The goal of the tesis is to valorize actual situation of formation of economic literacy in secondary professional educatioin in Czech republic and to submit optimization proposals. The goal was reached by research of printed and electronic sources, which revealed, that actual focus in formation of economic literacy is on financial literacy, which is one part of economic literacy as such. That is why thesis elaborates proposals for extention of present situation by additional topics.

The aim of this thesis is to analyze the level of household debt in the Czech Republic in the period from 2000 to 2011, causes of indebtedness and analysis of use of personal bankruptcy. The theoretical part is focused on economic, social and legal aspect of the issue of household debt. The practical part consists of analysis of statistical data describing the development of the level of household debt in the years 2000 - 2011 with the help of monitoring absolute and relative measuring indicators. Further analysis is carried out using of personal bankruptcy in the Czech Republic in the period from 2008 to 2012. On the basic of these analyses, this work suggests the ways to improve the situation of over-indebted households. Special emphasis is placed on the relatively new of vulnerable households - pensioners and it is also defined the causes of this phenomenon.

The aim of this diploma thesis is an analysis of a level of financial literacy of citizens of Czech Republic. The opening part concentrates on the definition of basic concepts and on the characteristic of financial literacy. The second chapter deals with activities and programs for support of financial literacy on a multinational and European level and describes activities, which support financial literacy in the Czech Republic. The final chapter of this theoretical part contains a summary of the most important concepts of financial literacy in the context of normal civic life. The findings and outcomes of the fourth chapter are based on the processing results of the survey aimed to examine the financial literacy of the sample of respondents. The last part of this thesis is devoted to demonstration of possible activities to increase financial literacy.