In literary research is to pursue attention laws related with consumption credit. The chapter personal and family finance deals with correct control finance. The final chapter in literary research describes consumption bankruptcy in detail. The aim of the diploma thesis is to evaluated consumption credit terms for the clients and possibilities of the clients as they could act in a case of problems with their defaults. Three banks and three nonbank institutions were choosen for the consumption credit terms evaluation. Next, the questionnaire was compiled for practical part of diploma thesis. After evaluation of questionnaire are presented statistics from varied sources. Next, the possibilities of the clients as they could act in a case of problems with their defaults. The diploma thesis is supplemented by solving dispute between debtor and credit provider. The last chapter diploma thesis deals with differences between offer consumption credit ČSOB from the Czech Republic and ČSOB from the Slovakia.

The thesis is focused on analysis of market with p2p loans, which are provided by online platform as an intermediary between investors and borrowers. The work contains theoretical and legislative resources for establishment, development and everyday operating of a platform. Further the concept of p2p lending is developed as another asset class available to investors.The thesis contains analysis of unsecured credit market in Czech republic and it trying to find the most potential part of this market for p2p loans. It also includes an overview of the most important domestic and foreign platforms and investment recommendations for investors.

Made available in DSpace on 2016-03-22T17:26:58Z (GMT). No. of bitstreams: 1 Eduardo Santos FINAL.pdf: 2120787 bytes, checksum: fea8199229f593eaa39180f2cd6ff491 (MD5) Previous issue date: 2013-04-17 / This dissertation research proposes to investigate and detail the relationship between the expansion of production and consumption of durable goods in the credit market, and its effects or consequences, both in the processes of social inclusion, as in household indebtedness Brazilian taking as a basis for analysis in December 2008, a period from which the effects were evident from the large global financial crisis, partly minimized in the Brazilian case, the Government's policy of maintaining economic activity. So, are components of the theme of this dissertation research: the production and consumption of durable goods, the credit market, social inclusion, and the indebtedness of Brazilian families / A presente pesquisa de dissertação de mestrado propõe investigar e detalhar o relacionamento entre a expansão de produção e consumo de bens duráveis com o mercado do crédito, e seus efeitos ou consequências, tanto nos processos de inclusão social, como no do endividamento das famílias brasileiras, tomando-se como base de análise dezembro de 2008, época a partir da qual ficaram evidentes os efeitos da grande crise financeira mundial, minimizados parcialmente, no caso brasileiro, pela política do Governo de manutenção da atividade econômica. Assim, são componentes do tema dessa pesquisa de dissertação: a produção e consumo de bens duráveis; o mercado de crédito; a inclusão social; e o endividamento das famílias brasileiras

The thesis is focused on analysis of consumption credits, which are provided by banking and non-banking providers. The work contains theoretical and legislative resources mainly for the pointer annual percentage rate, because the APRC should be the main compartive standard for consumers. The thesis contains comparison of consumer credits of several providers from the czech credit market. The overall evaluation of situation on market and recommendations for consumers are also included.

This dissertation deals with pawning primarily from the perspective of the pawners. It utilises two samples from the ledgers of a municipal pawnshop in Borås in western Sweden, from 1922/23 and 1932/33. Its aim is to deal with the relation between the material and financial side of pawning as well as the causes behind pawning. One of the results of the study is that most pawn loans were very small, which means that pawning probably was connected to income insufficiency. It showed that weekly repeated pawning, which has been proposed in previous research as a common pattern, was nearly non-existent. Instead, most pawners were occasional customers at the pawnshop. It was shown that certain collateral (such as clothes and decorative objects) affected the length of the redemption time. This meant that pawners had the ability to redeem a pledge quickly – if they had a need for the item. However, at the same time, pawns could remain for a long time in the pawnshop, which indicates that repaying the loan was difficult for the pawner. Otherwise, they should have acted to minimise the interest they had to pay for the loan. For the pawner the payment of the loan likely meant foregoing much needed consumption in the present. According to this study, variability of income was a more important cause for pawning than the size of income. Pawn loans likely countered short-term variation in income or expenditures. However, it could not help against long-term unemployment. The study also investigated if pawning was affected by the life cycle, but found no clear relationship. The study showed that most of the customers at the pawnshop were male, which goes against most of the previous research. Another of the study’s result was that women’s pawning, but not men’s pawning, was connected to the presence of children in the household, and women had also more children than men did. Having many children had also an effect on women’s pawning, but not on men’s. The study considers that it seems like women pawned more due to family needs than men did.