The thesis is concerning household indebtedness through credit cards, funding of these credits and how the consumer is affected. The focus is mainly on the current situation in the United States, nevertheless some observations from the former Korean credit card crisis are pointed out. The thesis describes the development of the credit card debt and identifies reasons and consequences of the expansion. The role of the state as setting conditions of the market and solving possible market failure is also mentioned.

The goal of the diploma thesis is to describe the impact of the financial crisis on financial position of czech households and to compare it with households from EU.

In the fields of development and public health, the decisions of the rural poor are often treated as simple, unanimous, and driven by cultural preconceptions and beliefs. This is particularly the case for sub-Saharan Africa, where a dehistoricizing tendency presupposes an ontological link between an African culture and its tendency to interpret the world through the lens of belief. Generally, household activities are not seen as the kinds of modes of objectifying social practice that are the outcome of complex historical struggles over representation, and pre-disposing cultural factors are presumed to be the key determinants of household behavior. The three papers that constitute this alternative-format, article-based dissertation interrogate these assumptions. Although they address diverse subjects (the rise of West African Pentecostalism; the logic of treatment-seeking behavior in Benin; credit and savings strategies in rural Mali), they share a methodological concern with close analysis of the complexity of household decision-making in the moment, study over time, and attention to local concerns in the context of larger social transformations. In both medical and economic contexts, this approach demonstrates not only that behavior is primarily determined by enabling factors, but that the cultural factors that do condition behavior can be understood as creative, rational, and instructive of larger concerns, rather than merely as an impediment to development goals.

This thesis looks into issues related to food waste and consists of a theoretical and a practical part. Theoretical part aims to provide clear and complex definition of wood waste related problems, summarize current findings in Czech and foreign sources. Introduction chapter explains important terms and legal measures related to this topic. It is followed by description of causes, implications and possibilities in food waste reduction. Main goal of practical part is analyzing food waste in Czech households and providing recommendations for wood waste reduction as well as some additional measurements. Practical part contains detailed analysis of primary data acquired by questionnaires and measuring food waste in Czech households. Important results and conclusions are then processed in final chapter.

The thesis titled "Analysis of the APRC for consumer loans" begins with basic economic knowledge of the consumer loans, mutual context and legal background. Key emphasis is placed on the pointer annual percentage rate of charge. Analyzed loans are selected from wide range of bank and non-bank institutions that meet the specified parameters. For each loan there is comparison of calculated and actual values presented in the APRC. Next part of focused on overall comparison of the obtained results. Last section provides theoretical recommendations for future development.

The aim of this work is to analyze and assess the financial situation of households in the Czech Republic in the period 2005 to 2009. The work also focuses on the assessment of the financial situation of households made up of unemployed and incomplete families with children. Additional analyses deal with the age aspect, municipality size and level of education of head of household. Then I will calculate the Gini coefficient and construct the Lorenz curve for the entire period 2005 - 2009 and regionally for year 2009.

The task of my diploma thesis which I wrote on the topic: The risk of poverty in Czech Republic, is to search for typical factors that can be considered as "risky" due to their impact to households income. The work is mainly focused on analysis of the situation in the Czech republic, compared to other member countries of the European Union. I focused in bigger detail for selected factors, such as the progress of the gross domestic product, inflation, unemployment, health status of population, education, risk of households from the view of the monetar poverty, material deprivation or social exclusion

Food-borne illness is a significant burden both with regard to public health and financially. Efforts to reduce the level of food-borne illness continue to concentrate on the full food supply chain with particular regard given to Campylobacter, the most commonly reported zoonosis and the greatest burden to public health. The focus of this research is domestic food safety practises, where there is no regulation. Food safety is reliant on people’s knowledge or awareness, their ability to adopt safe food handling practises and for the correct behaviours to achieve this, to be routine. The elicitation of awareness and perceptions with regard to food safety are problematic due to the complexities of human nature, including the presence of several forms of bias, such as social desirability bias and optimistic bias. The research was designed in order to try to minimise such biases, whilst further understanding influences on food safety preparation behaviour. Food safety preparation behaviours and kitchen hygiene were investigated between people who had campylobacteriosis in comparison to people who had not had food poisoning. Whilst no difference was noted in the kitchen hygiene between the two groups, significant differences were noted in self-reported food preparation behaviours. Optimistic bias was exhibited by both groups but when tested again after six months had elapsed, the group who had not had food poisoning increased their optimism, introducing a significant difference in optimistic bias between the two groups. Awareness of a number of unsafe food behaviours was explored for individuals and groups of people using a method developed as part of the research. This method of hazard awareness uses video as a stimulus, creating an interactive survey, combined with attitudinal and demographic data. Changes were made to perceptions of knowledge and risk following the hazard perception challenge, with the number of hazards missed, influencing this movement in perception. The risk perception of unsafe food handling behaviours was examined using a novel technique Best-Worst Scaling, in order to identify relative risks. This technique, in conjunction with latent class modelling, demonstrated a difference in perceptions between food safety experts and members of the general public. However, these differences are nuanced and demonstrate that heterogeneity exists both within and across the groups. Taken together, these findings have extended the research on domestic food safety behaviour and risk perceptions. It has done so by developing and testing novel methods to elicit relative risk perceptions and hazard perception with regard to food safety behaviours. The results provide valuable evidence for stakeholders particularly with regard to the novel methods used in identifying the heterogeneity and influences of food safety behaviour between groups of people. It also provides important tools for stakeholders, risk managers and communicators to use in future research, communication and education.

This Thesis applies one of the most popular household models to the allocation of resources within poor rural households. Based on Browning and Goertz (2007) seminal Collective Household Model, the first Chapter conducts a literature review and derives conditions for identifying and testing the model. The next Chapter amends this model to evaluate efficiency of the intra-household allocation of male and female labour inputs in the domestic production of multiple crops. Using survey data from Uganda it is found that the division of labour between food and cash crops is made according to comparative advantage, but that Pareto improvements could be achieved by reallocating labour between male- and female-controlled plots. The final Chapter analyses the distribution of private consumption and leisure within rural couples in Tanzania. The findings provide limited support for the Collective Model, but are consistent with non-unitary household behaviour.

Le constat d'un volume de déchets en augmentation constante en France et dans le monde appelle des études permettant de comprendre les comportements de tri des ménages. Cette thèse s'inscrit dans cette perspective et a pour ambition de comprendre comment modifier le comportement des consommateurs afin que ces derniers réduisent leurs déchets. Nous présentons d'abord une revue de la littérature analysant les différentes politiques publiques en matière de gestion des déchets. L'approche traditionelle consistant à dire que les individus répondent avant tout à un comportement rationnel, la recherche de gain, a ses limites. Nous soutenons l'idée que des politiques spécifiques prenant en compte les facteurs comportementaux sont nécessaires dans l'élaboration des politiques publiques en faveur du recyclage. Dans un second temps, nous nous intéressons aux déterminants du tri sélectif à partir de données issues d'une enquête originale auprès de 694 habitants de la région PACA. Nous estimons avec un modèle Probit la probabilité d'adopter un comportement de tri sélectif. Ce modèle teste les hypothèses étudiées jusqu'ici principalement par les sociologues et psychologues. Notre analyse empirique démontre que l'influence sociale impacte négativement le recyclage. Enfin, nous complétons cette étude avec un modèle mutli-agent qui cherche à expliquer le tri des déchets et l'impact des politiques publiques. Notre modèle considère des ménages hétérogènes choisissant de recycler selon quatre caractéristiques: leurs préférences environnementales, le coût d'opportunité de la taxe, le coût du tri et leur image de soi. Trois politiques sont testées : l'information, la taxe, et les "nudges". / The observation of a positive trend in the amount of waste in France and in the world has called for studies explaining household sorting behavior. This thesis lies in this perspective and aims at determining how to lead consumers to reduce their waste. We first present a review of the literature analyzing the portfolio of waste management public policies. We discuss the limits of the traditional approach stating that individuals adopt a rational behavior, seeking utility gains. Instead we support the idea that addressing behavioral factors is required for public policies supporting recycling behavior to succeed. In a second step, we investigate the the determinants of sorting behavior by building an original survey on 694 individuals in the PACA region. Our study combines and tests hypotheses first developed by sociologists and psychologists with concepts from behavioral economics. We use a probit model to estimate the probability to adopt a selective sorting behavior. Our empirical analysis shows that social influence negatively impacts recycling. Finally, we complete this study with an agent-based model which seeks to explain the sorting of waste as well as how such behavior is impacted by public policies. Our model considers heterogeneous households whose recycling decision is affected by four elements: individual environmental preferences and self-image, the opportunity cost of a tax on sorting, and the cost of sorting. Three public policies are tested: information, tax and "nudges".