My dissertation is composed of three sections. The first section examines the effect of monetary incentives on student performance in public education in Texas. I address how to deal with non-random samples caused by self-selection bias by using propensity score matching method. For the second part, using household level panel data, it addresses the substantial heterogeneity across demographic groups. In addition, for the last section, I also investigate firm’s optimal innovation strategy. It addresses the relationship among firm growth, firm size and firm behavior in the U.S. manufacturing industry. The first section investigates the causal relationship between a teacher incentive program (District Awards for Teacher Excellence (D.A.T.E.) Program) and student academic achievement in Texas by using school-grade level panel data. I find that D.A.T.E. schools obtain significantly higher student achievement gains in reading and math than non-D.A.T.E. schools after the implementation of the program. In addition, D.A.T.E. schools implementing selected school plan obtain greater student achievement gains than those implementing district wide plan. However, the causal effects are found mainly among middle school. Importantly, these findings imply that the teacher incentive program could be an effective policy tool in Texas for developing student performance, but should be cautiously implemented due to the difference in effects according to the U.S. school level. The second section shows that while financial benefit and moral hazard appears to be the main cause of bankruptcy for less educated individuals, well-educated individuals file due to negative income shocks. This is consistent with some evidence suggesting that educated individuals face greater stigma and/or worse information regarding bankruptcy than less-educated individuals. Importantly, these results imply that optimal bankruptcy policy should likely vary across different demographic groups. In the third section, I find that firm size is negatively related to firm growth and positively correlated with firm survivability in the manufacturing industry. R&D investment has a significantly positive effect on firm growth and survivability in the same industry. In the services industry, advertising investment causes a reverse effect on firm growth. This suggests that innovative activities should vary depending on the characteristics of each industry.

Title: Proposal for Insolvency Act amendments in order to establish equality status of creditors in the process od personal bankruptcy through debts charge off Thesis summary: The purpose of my thesis is to describe the new form of personal bankruptcy through debts charge off and point out some weaknesses of the current legislation together with some proposals how to deal with them. The reasons that led me to choose this topic are i) new legislation of Insolvency Act which is effective from January 1st 2008, and ii) my practical experience with insolvency proceedings. The thesis composes from eleven chapters where each of them deals with particular phase of the process. Prior to the chapters there is an Introduction which describes the aim of the thesis, reasons for this specific topic and explanations of basic legislation related to personal bankruptcy. Chapter One focuses on origination of the insolvency law in the territory of The Czech Republic and is divided into three subchapters. The first subchapter focuses on the development of insolvency law before the origination of Czechoslovakia, the second subchapter describes changes in the insolvency law from 1918 and the last subchapter deals with the former Bankruptcy Act. Chapter Two clarifies basic changes that were introduced by the Insolvency Act and...

The thesis deals with the level of financial literacy of secondary school students. At the beginning of the thesis I mainly focused on general issues regarding financial literacy, I explained the essence and justified the need for financial education. I describe current development and practices in the implementation of financial literacy in schools. I devote considerable attention to analysis of pedagogical documentation. My focus is not only theoretical but also practical comparing of financial literacy levels two fields of study from one of the same secondary school educational process and I suggest didactic processing the chosen topic. In conclusion I evaluated the problems of financial literacy.

<p>Diss. Stockholm :  Stockholm School of Economics, 2013. Introduction together with 4 papers.</p>

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 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.

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Thesis on "Insolvency Law in Practice - Personal Bankruptcy" deals with a form of resolving insolvency or impending insolvency of due non-business entities, and that is the debt relief so-called personal bankruptcy. This thesis monitors the amount of submitted and rejected proposals to permit discharge and summarizes the most common reasons for their submissions and errors in the rejected proposals. The thesis analyzes the development of debt relief since 2008 with a focus on southern Bohemia. The conclusion is mentioned debt relief legislation in Austria.

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.