This diploma thesis „Financing options for housing in the Czech Republic“ is focused on the issues connected with financing one´s own housing. The goal of this work is mainly to introduce the issues and possibilities of financing housing of the citizens of the Czech Republic, analyze products that could be used while financing housing and compare the costs of financing housing, while using different bank products. In the theoretical part of the work, we obtain knowledge intentions and developments of housing policy in the Czech Republic; we clearly introduce with the products that are helpful while financing housing and their combinations. Insurance products are also mentioned in the thesis. Those products can protect citizens against unwanted influences during the period when they pay off their loans. We can also find here the recent development of loan products and bank market in the Czech Republic, its current offers and overview of its products, from which citizens can choose the most suitable one for their needs. Practical part of the thesis deals with the comparison and research in the least costly way of financing housing in three different time horizons with the help of one product or a combination of products.

The subject of this thesis is the financial assessment of ownership and rental housing in the country. The theoretical part focuses on the standard living, cash flow planning for household, Czech housing fund and the most attention is paid to the possibilities of financing of own housing. These are mainly mortgage and building savings. In the practical part are applied previous knowledge to the specific case of renting an apartment and buying a flat. Different financing alternatives own housing are also made. Financial efficiency of rent an apartment and own apartment is compared in the long term.

This study provides a qualitative look at Texas' Professional Service Providers' (PSPs) strategies for supporting low-performing schools. Four PSPs were selected for participation based on the number of schools they helped exit the Texas Title I School Improvement Program from 2007-2012. Data collected and analyzed included provider and principal interviews, providers' progress reports documenting services, and principals' evaluations of provider services. Results indicated key support strategies in two of four cases were supporting and mentoring/coaching while communicating and building trust were important in the other two cases. Communicating, reviewing information, and planning were important across all cases. The quality indicators aligning with the PSPs' strategies were fit, comprehensiveness, and coherence. They were also the most common across all cases. Finally, analysis of the evaluation of provider services revealed PSP-1 with the highest ratings, followed by PSP-2, PSP-3, and PSP-4 respectively. The findings suggest, first, that PSP support has a dual nature. Contextual support was provided based on the campus leaderships' skills and requests. PSPs also ensured coherence among the strategies of all stakeholders. Secondly, a hierarchy of quality service indicators aligned to the PSPs' strategies: fit, comprehensiveness, and coherence. Finally relationships are vital to a successful provider-campus relationship. The findings have implications for PSP selection, professional development, and evaluation.

Existe-t-il un lien entre le degré de publicité du soutien fourni par des États à des groupes rebelles et les relations entre les insurgés soutenus et les civils durant les guerres internes ? Les études sur les conflits examinent de plus en plus la manière dont un soutien étatique externe à des insurgés locaux façonne le comportement de ces derniers. Cependant, la littérature néglige l’influence de la décision des États-soutiens de nier ou reconnaître leur aide sur la conduite des rebelles. Divisée en trois parties, ma thèse de doctorat utilise une méthodologie mixte alliant analyses quantitatives et études de cas qualitatives pour combler cette lacune dans la littérature. L’Article 1 présente de nouvelles données sur le degré de publicité du soutien étatique aux rebelles durant les guerres civiles entre 1989 et 2018. Il montre ensuite que cette variable est négativement corrélée à la propension des insurgés à user de la violence envers les non-combattants. L’Article 2 commence par présenter une théorie expliquant comment, pourquoi et dans quelles circonstances les États-soutiens tentent-ils de superviser les interactions avec les non-combattants des insurgés qu’ils appuient lors des guerres civiles. Il applique ensuite ce cadre théorique au soutien des États-Unis aux Unités de protection du peuple (YPG) et aux Forces démocratiques syriennes (FDS) dans le nord-est de la Syrie entre 2014 et 2020. L’Article 3 montre qu’en plus d’être corrélé négativement à la violence rebelle envers les civils, le degré de publicité du soutien étatique aux insurgés est corrélé positivement à la propension de ces derniers à fournir des services à la population. Il nuance ensuite les résultats statistiques en montrant que l’existence d’institutions formelles de fourniture de services n’équivaut pas nécessairement à une participation effective des civils à l’exercice du pouvoir en zones rebelles. Ainsi, la thèse met en évidence le lien critique entre le degré de publicité du soutien étatique aux rebelles et les interactions entre insurgés soutenus et civils. Les résultats de recherche montrent dès lors que les expériences des non-combattants au cours de conflits qualifiés d’internes à un espace sont corrélés à des facteurs et intérêts liés à des acteurs externes à ce même territoire. / What is the relationship between the overtness of state support to rebels and the nature of insurgent-civilian interactions during civil wars? Conflict studies increasingly examine how external support to local insurgents influences rebel behavior. However, the literature neglects the link between the state sponsors’ decisions to acknowledge or deny their support and insurgent behavior. My three-part doctoral dissertation uses a mixed-methods research design combining quantitative analyses and qualitative case studies to address this gap in the literature. Article 1 introduces new data on the overtness of external support to rebels during civil wars between 1989 and 2018. The paper then shows that this variable negatively correlates with the propensity of the insurgents to target civilians. Article 2 begins by outlining a theory of how, why, and when the state sponsors monitor the interactions with civilians of the insurgents they support. The paper then applies this theoretical framework to the United States’ (US) support for the People’s Defense Units (YPG) and the Syrian Democratic Forces (SDF) in Northeast Syria between 2014 and 2020. Article 3 shows that in addition to negatively correlating with civilian targeting, the overtness of external support to rebels positively correlates with the propensity of the insurgents to provide social services during civil wars. The paper then qualifies the statistical results by showing that the creation of formal social service institutions by the rebels does not necessarily lead to effective civilian participation in decision-making in insurgent areas. The dissertation thus highlights the critical link between the overtness of state support to rebels and the insurgent-civilian interactions. In this way, I show that civilian experiences during conflicts we characterize as internal to a territory correlate with factors and interests linked to external actors.

This thesis deals with the support of export and export financing, with a focus on international regulation of this area, namely the Consesus OECD, i.e. the Arrangement on Officially Supported Export Credits. The paper describes the general background of this Arrangement and its requirements on the financial terms of provided export credits. The above mentioned is demonstrated on the concrete practice in the Czech Republic. The paper includes a detailed overview of the institutional framework of official support of export credits and the most important export credits parameters are illustrated by concise indicative offer of export financing. This thesis also summarizes the process and possible outcomes of current negotiations concerning the Consensus OECD and possible future cooperation with non-participant countries.