In the field of International Development, increased attention has been given to the concept of women’s empowerment as it has been recognized as a potential driver for change. Classified as a global struggle, commitments to this concept have been at the core of many development interventions, whether they be a small NGOs working in a single community or large-scale international aid agencies with presence all around the world. Despite its international recognition, women’s empowerment has been largely left unquestioned within development practices and especially with regards to the impact it may have on local beneficiary communities. This thesis will address how universal ideas such as this one become meaningful in the local setting through a case study of CARE-International’s Women’s Empowerment in Zanzibar project that was implemented from the years 2008-2011. In applying Sally Merry’s (2006) concept of vernacularization, as a theoretical framework, it will be shown that international aid organizations do not simply adapt women’s empowerment to the local arena. Instead, various local actors are involved in a dynamic process of translating, negotiating, and making the concept more meaningful to the beneficiaries and, thus, cause a new hybrid understanding of women’s empowerment to emerge. This new concept draws more extensively on local institutions, knowledge and practices that have been inter-weaved with Islamic practices which play an important role in the lives of Zanzibaris. This thesis will illustrate how NGO culture converges with and diverges from the local communities and expose the realities that exist within the greater development discourse.

My thesis focuses on the analysis of financial instruments suitable to finance own housing available in the Czech Republic, especially on mortgages, building savings loans and consumer loans, from the client's perspective. The first chapter presents these three selected options, describes them along with their most important parameters. The second chapter presents three main financial groups in the Czech Republic alongside with their selected products. Individual products are compared and evaluated using preselected examples: buying a property and a reconstruction. Last chapter describes the most common influences on the demand for loan products to finance own housing and analyses them, focusing on the interest rates and the inflation rate.

The object of my diploma is focused in the pension system of The Czech Republic and the perspective of it in the future. At present there is still no problem in the financial balance of the pay-as-you-go pillar but due to the ageing of population the Czech dominant pillar will certain face to serious problems in case of no modifications. This conclusion arises from the first part of the analysis which also consists of the possible parameter modifications that could keep the system in balanced in long term. The next part is the analysis of the savings in the pension funds as the main alternative to the PAYGs. Each approach has its advantages and disadvantages which are main objects of both analyses in this diploma. Beside of the ability to keep the system stabled in financial terms I examine also the equivalence of contributions to the level of pensions that is important for the motivation of people to be responsible for their financial security in their old-age. The last part deals with the experiences of the pension systems in Chile, Slovak Republic and Sweden from where we could gain the real results of the reformed systems in different way in each country. From the results of these analyses I also give some possible recommendations for the elementary modifications in Czech system in the final part.

The main goal of this thesis is to analyse the position of the Ceska sporitelna bank (Czech savings bank) on the czech banking market by applicaion of multiple criteria decision making methods. Analysis is concetrate in two parts - the bank in its complexity and also in the product portfolio mainly in the area of current account as a most strategic banking product. The comparsion of banking products or banks at all is not a goal of this thesis. The thesis is concerned on a basic analysis based on certain presumpions and restrictions.

Objective of this thesis is optimalization of route for inspectory technician. There were described traveling Salesman problem, vehicle Routing problem and it's modifications. Problem was solved by this three heuristics: nearest neighbour algorithm, savings method and insert method.

The topic of this thesis is personal and family finance. At the time of extensive government austerity measures, uncertainty of countries' future, or even international companies, and on the other side the ever bigger influence of advertisement and consumer culture, its importance grows with each year. The main goal of this thesis is to confirm or disprove the hypothesis that presumes the following: although people think they are handling their personal finance right, they often make typical wrong decisions. Part of the theory is a survey dealing with financial literacy of Czechs that support a theory that they have considerable gaps in managing their finances. Further on, the thesis engages in possibilities on how to eliminate these gaps. Doing this, the author perceives the family, or individual, as a parallel to a company, while their finances management makes parallel to the company's accounting. It also briefly deals with why these mistakes are present, using behavioral economics as a tool for explanation. The theoretical part presents possibilities and products that are to find at a usual economy subject on the market to those willing to evaluate their finances. The practical part is looking for answer to question what the most frequent mistakes are. The author then chooses the one he considers the most significant, namely the absence of planning. It then tries to prove, that elimination of this mistake leads to considerable improvements and optimization in managing finances.

The goal of the diploma thesis is to introduce and describe a heuristic method for finding a sub-optimal system of circuits in a generalized vehicle routing problem with time windows and time-dependent unit costs. Proposed method was built up on Clarke and Wright's savings method for the standard vehicle routing problem. Additionally, there has been described an algorithm for improving current solution via finding an optimal time harmonogram for a journey on each circuit within the found sub-optimal system of circuits.

The diploma thesis deals with strategic analysis of the selected bank. Its goal is to evaluate the company´s competitive position with regard to the specifics of the banking industry. The theoretical part includes the historical development of strategic management, defines the key analytical methods used in strategic analysis and describes the characteristics of the industry. Application of the analyses, their summarization and interpretation is included in the practical part. The thesis, inter alia, explains the principle of building savings and provides a broad overview of the topic. The results of the thesis could be used for decision making of external and internal users.

The thesis deals with financial products, which the state supports, whether by the state concessions or tax contributions restricts or even specifies the exact amount of the interest rate on a loan supporting the acquisition of own housing. The thesis is focus on the stimulus, which state uses. How citizens use the aid they receive from the state. The development of these incentives in the past, and an easy overview of what remains for the changes planned. In the practical part is shown, what brings financial products with support to households and what is the impact on their family budget. In a brief overview is included, as people use different products in recent years.

The current climate changes require a global response immediately. Every year the use of energy increases, which means that more and more greenhouse gases are released. Which in turn helps accelerate global warming. To reduce the energy use will not be an easy task for mankind. Household and service accounts for about 40% of Sweden’s energy use, and office buildings prove to be among the most energyintensive. Previous research shows that heat-, ventilation- and cooling systems along with lightning are the systems that provide the highest energy consumption and that there is also a great savings potential. In this study, the energy use of a property in a Swedish urban area has been investigated and how the energy is being used by the different systems has been identified. The purpose of this research is to see which measures can give the greatest cost-effective savings. Method used is a case study, which was an energy survey, combined with a literature review of relevant information. Data collection consisted of information from the property owner,inspection of the building and electricity measurements. The result shows that there are great savings to be made. If proposed measures are implemented (see section 4.6), energy consumption for heating can be reduced by 144,9 MWh/year or 32,4%. Energy used by lightning can be reduced by 46,8 MWh/year or 40,3%and other measures can be reduced by 41 MWh/year or 53%. Measures that can be performed for free were considered the most cost-effective, such as lowering the indoor temperature or turning off equipment between days. For measures with investment cost, isolation of the attic was considered most cost -effective with a payoff time of 5 years. To invest in sun cells would reduce the bought electricity with 56,8 MWh/yr. Due to lack of information, assumptions and simplifications were made that could have caused sources of error.