This study aimed to identify how the beneficiaries of the “Minha Casa Minha Vida” Program (PMCMV), belonging to the Central-western Mesoregion of Rio Grande do Sul, manage their financial resources, including the payment of PMCMV funding, and how PMCMV, Attitude to Indebtedness, Financial Literacy, Financial Well-Being and Financial Management influence their Satisfaction with Life. For this, were applied 561 questionnaires, analyzed using descriptive statistics, confirmatory factor analysis, mean difference tests and regression analysis. The main results reveal that most of them have good financial habits, however, they have difficulty in saving money, have debts and have already had the name linked to the negative register. Majority of beneficiaries consider reasonable the value of the home financing payment. Among the beneficiaries of Range 1, most have already had or have arrears of the household, unlike those in Range 2 and Range 3. The main reason for default is that the installment money has been used for unexpected expenses (illness, unemployment). Individuals were satisfied with PMCMV, believing that life in general, the relationship with the neighborhood and financial life improved. Time spent with locomotion, the access to public health institutions and collective transportation, social work accomplishment and problems related to violence in the neighborhood are aspects that prevent greater satisfaction. Many have medium-to-high Financial Knowledge, develop good Financial Attitudes in relation to the concern with the financial future and savings, and good behavior regarding control and planning of expenses. They feel an intermediate level of Financial Well-Being and have a positive perception of Satisfaction with Life. The validity of all proposed behavioral constructs was confirmed; however, the scales of Satisfaction with PMCMV, Attitude to Indebtedness and Financial Attitude were quite reduced. It was found that individuals with monthly incomes between R$ 3.275,01 and R$ 5.000,00 have a higher Attitude to Indebtedness. The beneficiaries belonging to Ranges 2 and 3, men, married, with higher levels of schooling, civil servants and with income above R $ 5,000.00 have higher Financial Literacy and Financial Well-being. In relation to Satisfaction with Life, the beneficiaries of Ranges 2 and 3, men, who do not have dependents, over 48, widowed, retired, regular self-employed and public employees, with income above R$ 5.000,00 are the most satisfied. It was identified that the variables: Financial Well-Being, Financial Attitude and possessing a credit carnet exert a positive influence on Satisfaction with Life. However, the Financial Knowledge, having debts and being defaulted in PMCMV have a negative impact. Emphasis is placed on the need for greater investments in transportation and health around housing, and to offer to the beneficiaries an opportunity to learn about the importance of financial control, timely payment and savings, as well as a greater awareness that, once the beneficiaries gained the opportunity to own a house, with low installments, they need to pay the installments on time. More research is proposed on the individuals with potential to be beneficiaries and that have effective payment conditions. / O objetivo do estudo foi identificar como os beneficiários do Programa Minha Casa Minha Vida pertencentes à Mesorregião Centro-ocidental Rio-Grandense gerem seus recursos financeiros, incluindo o pagamento do financiamento do PMCMV e como o PMCMV, a Atitude ao Endividamento, a Alfabetização Financeira, o Bem-estar Financeiro e o Gerenciamento Financeiro influenciam sua Satisfação com a Vida. Para tanto foram aplicados 561 questionários, analisados através de estatística descritiva, análise fatorial confirmatória, testes de diferença de média e análise de regressão. Os principais resultados revelam que grande parte deles possui bons hábitos financeiros, contudo apresentam dificuldade para poupar, possuem dívidas e já tiveram o nome ligado ao cadastro negativo. A maioria considera o valor da prestação do financiamento da casa razoável. Entre os beneficiários da Faixa 1, a maioria já teve ou tem prestações da casa atrasadas, diferentemente daqueles das Faixas 2 e 3. O principal motivo da inadimplência é o dinheiro da parcela ter sido utilizado em despesas inesperadas (doença, desemprego). Os indivíduos demonstraram-se satisfeitos com o PMCMV, acreditam que a vida no geral, a relação com a vizinhança e a vida financeira melhoraram. O tempo gasto com locomoção, o acesso às instituições de saúde pública e transporte coletivo, realização de trabalho social e problemas de violência no bairro são aspectos que impedem uma maior satisfação. Muitos possuem de médio a alto Conhecimento Financeiro, desenvolvem boas Atitudes Financeiras em relação à preocupação com o futuro financeiro e poupança, e bom comportamento em relação ao controle e planejamento de gastos. Sentem um nível intermediário de Bem-estar Financeiro e apresentam uma percepção positiva quanto a Satisfação com a Vida. Confirmou-se a validade de todos os construtos comportamentais propostos, contudo, as escalas de Satisfação com o PMCMV, Atitude ao Endividamento e Atitude Financeira foram bastante reduzidas. Constatou-se que os indivíduos com rendimentos mensais entre R$3.275,01 e R$5.000,00 possuem maior Atitude ao Endividamento. Os beneficiários pertencentes às Faixas 2 e 3, homens, casados, com maiores níveis de escolaridade, funcionários públicos, com renda acima de R$ 5.000,00 possuem maior Alfabetização Financeira e Bem-estar Financeiro. Em relação à Satisfação com a Vida, os beneficiários das Faixas 2 e 3, do gênero masculino, que não possuem dependentes, com mais de 48 anos, viúvos, aposentados, autônomos regulares e funcionários públicos, com renda superior a R$ 5.000,00 são os mais satisfeitos. Identificou-se que as variáveis: Bem-estar Financeiro, Atitude Financeira e possuir carnê de crediário exercem influência positiva na Satisfação com a Vida. Todavia, o Conhecimento Financeiro, possuir dívidas e ser inadimplente no PMCMV, impactam negativamente. Destaca-se a necessidade de maiores investimentos em transporte e saúde no entorno das moradias, e oferta aos beneficiários de oportunidade de aprenderem sobre a importância do controle financeiro, do pagamento das contas em dia e de pouparem, além de uma maior conscientização de que como ganharam a oportunidade de possuírem a casa, com prestações baixas, precisam pagar as parcelas em dia. Propõe-se uma maior investigação sobre os indivíduos com potencial para serem beneficiários e que tenham condições efetivas de pagamento.

This thesis is engaged in composition and resulting analysis of financial and management statements of the company enterprised in a traffic sector. It evaluates their need of composition and their predicable ability.

This thesis deals with general characteristics of financial analysis, the importance of financial analysis for financial management, an expression of financial ratios, including their systems, economic value added, and some bankruptcy and creditworthy models. The analytical section of the thesis applies selected financial indicators to interpret the financial situation of the constructional company Hochtief CZ.

This diploma thesis is focused on the evaluation of the actual situation of the company by SWOT analysis, Porter's five forces analysis and selected indicators of financial analysis. The problems identified by these indicators are further elaborated, compared with competitive company operating in the same branch and used a propsal of improvements. This proposal should contribute to better performance appraising company in the future.

Presented master’s degree thesis provides an insight into financial situation of a selected wine production company in a specific period of time (2009 – 2013). The data has been based on own experience, technical literature, and private resources as well. The results include identification of several general theoretical foundations, special methods for the company's financial condition assessment, extensive information pool concerning the company, and precise elaboration of financial analysis. As far as thesis conclusions are concerned, several measures have been designed to provide an effective basis for both successful and sustainable company's management in the future.

This diploma thesis is focused on the financial evaluation of the company XZ, INC in the period 2012 – 2016, using methods of the financial analysis and Economic Value Added, based on data from financial statements of the company during the reporting period

This master´s thesis is focused on the complete financial situation assessment of the company Lázně Poděbrady, a.s. in years 2004 – 2008. The theoretical part describes an issue of financial analysis and the practical part contains financial analysis of this company. The last part includes suitable suggestions for improvement of financial situation of the company.

The thesis analyses problems of controlling system in a company dealing with cargo services and trade. It contains suggested solutions which shell result in increased quality and efficiency of operational and financial controlling in the comapny.

Master’s thesis evaluates financial situation of the company FATRA, a. s. within the period of years 2006 and 2010, by selected indicators of financial analysis. Mostly it deals with usage of elemental method’s indicators of financial analysis. It analyzes problems and proposes possible solutions, which will lead to the improvement of the company financial situation in the future.

This master’s thesis evaluates financial situation of the company REDA a.s. between years 2005 and 2010 on the basis of the selected financial analysis methods. The main goal of this thesis is to formulate suggestions for improving financial situation in the company. This goal is reached in final part of the master’s thesis.