This diploma thesis deals with the issue of debt of people in the age category 18-26 years. The object of the diploma thesis is to map the reasons for the indebtedness persons in the age of 18 - 26. To accomplish main object were set two sub-objectives: 1. Identify the reasons that lead to indebtedness. 2. Identify competencies whose absence may lead to indebtedness. The thesis is divided into theoretical and empirical part. The theoretical part includes description of the term dept problematic, definition of commitments, characteristics of indebtedness and overindebtedness, the reasons of debts, social counseling, the klient of social counseling and last but not least, debt counseling as a social counseling activity. In the empirical part is described the research itself, which includes objectives, research questions, methodics and results of research and last but not least discusion and result of whole research.The research was used qualitative strategies, method of questioning and semi-structured interview technique. The basic sample for this thesis were formed by clients of social counseling in Příbram. The research results into the fact that people in the chosen age group are most often indebted because of the lack of financial literacy, which leads them to falling into a debt trap, which then deepens, mainly because of their indiscretion. The main cause of debts in such young peoples is the separation from the family and the searching for adequate housing. The research also proved that this group of people is located on the brink of society and will find it difficult to deal with this situation, as they know the solutions but rarely know where they can find advice or help. The consequences of their actions then have a bad effect on their psyche and subsequently worsen their health. The results of thesis can be used as educative material for wide public. The thesis can be also publicated in the local peridiocals in terms of the actual topic in connection with the amendment of insolvency act. It can be also used in social work with the chosen age group. For social workers can served as insight into this problematic.

The master's thesis "Over-indebtedness of Young Generation in the Czech Republic" deals with over-indebtedness of individuals at the age of 18 to 26 years. Over-indebtedness is a general social problem as all age groups get overburdened with debt. However, it is important to focus on the issue of young people's over-indebtedness directly because the young generation represents people who are or will be active in the general working process. The authoress of the thesis points out the young generation's over-indebtedness and provides an overview of development of this issue in 2008 - 2015. She also examines the most frequent causes which she has found out using questionnaires and data collected. In her work, the authoress also outlines a gradual development of possible indebtedness, which primarily includes loans, from both banks and other institutions, followed by a court procedure and execution of the judgement. A possible solution to over-indebtedness then consists in filing a petition with a court to permit a personal discharge from debts. The work aims at finding out and examining development of the young generation's indebtedness in the Czech Republic, analysing causes of over-indebtedness, describing the changes of the causes in time and at analysing the process of discharge from debts, which...

Household debt grows up from the second half of the nineties of the century thanks to growing a living standard. More people provide own living and consumer credit increases. Because of financial crisis many people feel deterioration of working conditions and just the loss of regular earnings leads to problem with paying of a debts. The diploma thesis will be concerned with the problem of people's debts in accordance with personal and family finance and deal with responsible approach to loans, impacts of unpaid debts and solutions how to avoid the debt trap.

In current time we experience deeper and deeper indebtedness of Czech households and their deterioration into insolvency on one side, on the other side among Czech population was identified a very low rate of financial literacy in the last few years. As a result of these two findings a hypothesis was created that behind the high indebtedness stands the low financial literacy of population and that it is possible to fight indebtedness by increasing financial literacy. The thesis main target is to analyze approach of Czech Republic to financial literacy, particularly as to a tool of prevention of indebtedness of households. Simultaneously its target is to reveal relation between financial literacy and indebtedness. According to these reasons the thesis is based on several theoretical outcomes - the theory of prevention of risky behavior, the theory of financial education as a prevention from hazard and from the theory of implementation as a part of public policy cycle. Examined problem is defined using analysis of indebtedness of Czech households, determines the occasions and results of this risky behavior; and through delimitation issue of financial literacy. Thesis provides a synthesis of knowledge as options and limits of financial literacy in the fight with increasing indebtedness. Empirical part...

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.

This study concerns the dynamics of Chinese strategic minerals policy and its effects on Zambian copper mining between 2016-2020. The essay employs a complementary—theories congruence analysis using Resource Security Theory, Debt Trap Diplomacy, and the Pollution Haven Hypothesis in order to analyse China’s actions and ascertain their effects on Zambia. The study found that China has a large presence within Zambian copper mining through the use of state-owned enterprises, aiding China in its goal of supplying domestic copper demand, and thus addressing resource security. These state-owned enterprises act within the Belt and Road Initiative framework. China is not using Debt Trap Diplomacy in Zambia, but may be able to in the future. China’s presence is negative for the Zambian environment. The moving of mining from China to Zambia has a positive impact on the Chinese environment.Chinese state-owned enterprises are far less stringent in abiding by environmental laws in Zambia than in China. The study shows that Resource Security Theory and the Pollution Haven Hypothesis hold strong explanatory value for the case of China in Zambian copper mining. Debt Trap Diplomacy proved a weaker theory, as natural resources have not been exchanged for debt write-off.

Martina Rolincová Indebtedness of Czech households and its impact on quality of life Thesis Abstract The thesis "Indebtednesst of Czech households and its impact on quality of life," explores the phenomenon of over-indebtedness and thus, what impacts has this problem on life satisfaction of borrowers and their families. The main goal of this work is to describe these effects and instruments how Czech legislation responds to this negative phenomenon. Part of the work is a qualitative research among borrowers, their families and staff of non-bank credit institutions and agencies of discharge. Based on the analysis of this research and legislative background of this issue finds the author next to insufficient financial literacy also gaps in the legislation in protecting relatives against the consequences of wrong decisions of their family members.

This paper adopts a quantitative and qualitative lens, through which we explore the economic relationship between the region of Sub-Saharan Africa and China as a consequence of Chinese Foreign direct investments (FDI).  Primarily, the paper’s direction, analysis, and discussions are dictated by the usage of primary and secondary data. Our primary data is constructed as a panel data set including GDP for 38 countries alongside the Chinese FDIs for each country during the period 2003-2021. Our secondary data includes already existing papers on topics related to our purpose and the data found in them. The main points include the economic development of Sub-Saharan Africa, the subsequent enforced Chinese economic policy, and further the gains China see from their strides into the region. In order to prove our hypothesis and research questions we've used econometric models.The panel data was used to conduct several time series regressions, where we further used different models and tests to get the best possible result Due to the fact that our regression shows a significant and positive correlation between economic growth in the region as a result of Chinese FDI, we can establish that past research is reinforced. Through the used model we’re enabled to look at the individual effects of every country in the region. In addition, by comparing these effects with the level of corruption and which type of income group the countries belong to, we can further highlight the fact that China tends to invest in countries who can offer something in return. Examples of such cases could be South Africa and Angola who are two of the biggest receivers of Chinese FDI in the region, which we, throughout the paper, attribute to the fact that they have an abundance of natural resources.

In the context of Bangladesh, Pakistan, and Sri Lanka, this paper provides a comparative analysis of China's neocolonialism and smart power strategies through the Belt and Road Initiative (BRI). The study analyzes the economic, political, and social consequences of China's growing presence in these nations and offers a deeper comprehension of their position in the region by drawing on a wide range of theoretical frameworks and empirical evidence. The research starts out by examining the idea of neocolonialism and how it relates to China's involvement in the area. It explores into a critical analysis of China's debt-trap diplomacy, which raised concerns regarding the BRI projects' long-term economic viability and political influence. The paper also looks into how China uses smart power as a strategic tool to expand its influence in the region, emphasizing on smart power programs, economic development, and cultural diplomacy.

The diploma work deals with the problem of poverty following from overdebtedness of Czech households. Poverty is defined as a strong social handicap leading up to a social exclusion. Overdebtedness means such a financial situation when households are not able to fulfill their financial obligations and thus it concerns especially households with low incomes. In the Czech Republic this fact has been distinguished since the year 2000. The topic of the diploma work points at the development of overdebtedness of Czech households and its evaluation, the size of this problem and the estimation of its further development. It analyses the threat to households leading to a debt trap. It deals with economic impact of state debtedness in connection with that of Czech households. Some attention is paid to the increasing unemployment as one of the strongest causes leading to a state of poverty and consequently to undesirable debtedness showing the evident link between unemployment and overdebtedness. At the same time, the emphasis is put onto individual responsibility and lifelong education as the prevention and solution to unemployment and doubtedness. The phenomenon of overdebtedness of Czech households is understood as a warning signal of the present.