This master thesis deals with the factors influencing the financial literacy of students in the Czech Republic. The main aim of the thesis was to find out whether specific factors have an impact on the financial literacy of these students. Among the factors surveyed were gender, highest parenting education and total household income. In this master thesis, quantitative research was used through a questionnaire survey aimed at exploring and evaluating the level of financial literacy of secondary school students. The hypothesis that were tested by statistical methods using the two-choice F-test and t-test were determined. Based on the results, the hypotheses were either accepted or rejected.

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The financial situations of households are among the key factors influencing the market in the country. This thesis focuses on analyzing and evaluating the potential and financial position of Czech and Slovak households. It deals mainly with the analysis of data from the years 2004 to 2008, which is the period of the entrance of Slovakia and the Czech Republic into the European Union. The theoretical section describes events in particular, the economic and financial situation of households in those two countries during the observed years. The practical process uses different types of statistical methods and analysis to identify the financial situation in the Czech Republic and Slovakia, as well as identify the differences between them. The conclusion summarizes the findings and observations of the research findings, which are implemented in the practical section.

Ziele: In Entwicklungsländern wie Bangladesch ist das Privateinkommen für Landfrauen essentieller Bestandteil eines verbesserten Haushaltseinkommens. Hauptzweck der vorliegenden Arbeit ist die Verbesserung der Existenzgrundlage von Frauen in ländlichen Gebieten durch diverse einkommensgenerierende Aktivitäten (IGAs). Es wurde der Versuch unternommen, ihre derzeitige Situation kennen zu lernen, ihre derzeitigen Einkommensstrategien zu beurteilen, insbesondere die Wirkung von Aktivitäten der Nichtregierungsorganisationen abzuschätzen, das Haushaltseinkommen der Frauen und Einflussfaktoren darauf zu untersuchen ebenso wie Faktoren, die eine Beteiligung der Frauen an den IGA’s einschränken. Methodischer Ansatz: In der vorliegenden Studie wurden strukturierte und semi-strukturierte persönliche Interviews sowie ausgewählte Methoden des Participatory Pural Appraisal für die Datensammlung verwendet. Ergebnisse: Die Mehrheit der befragten Landfrauen gehört in die Klasse eines geringen bis mittleren Livelihood Status. Neben den ausgewählten unabhängigen Variablen, wurden weitere sieben Variablen mit signifikantem positiven Einfluss auf das Haushaltseinkommen identifiziert. Die Ergebnisse bezüglich der Einkommensstrategien der befragten Frauen zeigt, dass diese zwar in verschiedenen Einkommensaktivitäten involviert sind, jedoch ihr persönliches jährliches Einkommen der verschiedenen IGAs unerheblich ist. Die Wirkungsanalyse von IGAs auf das Einkommen der Frauen zeigt, dass 36% der Frauen ein höheres Einkommen von IGAs während der letzten drei Jahre zu verzeichnen haben (2006-2008). Der Zugang zu Mikrokrediten, Betriebsmittelversorgung, Markteinrichtungen, bessere Ziegenrassen und verbesserte Behandlung von Tieren führen zu einer Verbesserung des Einkommens. Die Constraint Analyse zeigt, dass insgesamt 74% der Landfrauen mittlere Behinderungen zur Teilnahme an IGAs angeben. Die Frauen haben dabei 17 Hinderungsgründe identifiziert. / Objective: In developing countries like Bangladesh, personal income of rural women is an essential precondition to enhancing household income, which improves the entitlement on basic necessities. The main purpose of this research project is to improve livelihood of rural women through involving them in different IGAs. An attempt has been made to know the present livelihood situation of rural women, to assess their income strategies, to examine the impact of NGO activity on women characteristics, to investigate household income of rural women and factors influencing it and to find out the existing constraints on participation in IGAs. Methodological approach: In this study, structured and semi-structured interview schedules as well as several tools of the participatory rural appraisal were used to obtain necessary information. Results and conclusion: The majority of the studied rural women have a low to middle level of livelihood status. Among the selected independent variables, seven variables have a significant positive influence on household income. The findings from income strategies of studied women indicated that they are involved in various income activities for earning but their personal annual income from various IGAs is not handsome. The impact analysis of IGAs on personal income of women shows that overall 36% women have increased income from IGAs during the last three years (2006-2008). Access to micro-credit, inputs, market facilities, supply of improve breeds of goat, and improved treatment facilities of livestock all lead to increased income. The constraints index (CI) analysis shows that overall 74% of the rural women faced medium constraints to participate in IGAs. Rural women identified a total of seventeen root causes hindering their participate in IGAs.

Esta tese tem como objetivos: [i] estabelecer os fatores preponderantes para a decisão de investimentos em ativos capazes de gerar de renda mensal de longo prazo; [ii] desenvolver ferramentas de avaliação do investimento para auxiliar na tomada de decisão; e [iii] identificar as expectativas dos investidores, com o intuito de construir um conjunto de premissas para o desenvolvimento de produtos mais ajustados aos seus anseios. Isto é feito por meio de análise comparativa com outras oportunidades de investimento, que leva em conta as expectativas, o humor e as características culturais, racionais, emocionais do investidor e do ambiente externo que o cerca. Para isso é necessário ampliar o conhecimento no campo da análise do comportamento do investidor, com base em sua percepção e expectativas acerca da oportunidade de investimento para a geração de renda mensal de longo prazo (RMLP). É preciso conhecer melhor as raízes das necessidades, desejos e aspirações do ser humano, e da diversidade proveniente das características particulares de cada indivíduo que vive em uma sociedade moderna e organizada, em um mundo que está evoluindo muito rapidamente, com escassez de recursos naturais, de energia e que apresenta grandes mudanças na estrutura da sociedade, das ciências econômicas, do conhecimento e do trabalho, e que, em seu íntimo, busca a felicidade no que entende ser melhor, principalmente para si e para a sua família. / This thesis aims: [i] to establish the predominant factors in the decision-making of investment in assets capable of generating long-term income; [ii] to develop tools for evaluating the investment to assist in the decision-making, and [iii] to identify the expectations of investors, with the aim of building a set of assumptions for the development of products more tailored to their desires. This is done through comparative analysis with other opportunities for investment, which takes into account the expectations, mood, and cultural, rational, and emotional characteristics of the investor and the environment that surrounds him. To this end, it is necessary to expand the knowledge in the field of analysis of the investors behavior, based on his perception and expectations about the investment opportunity for the generation of \"long-term monthly income\" (RMLP). We need to understand better the roots of the needs, desires, and aspirations of human beings, and diversity resulting from the particular characteristics of each individual who lives in a modern and organized society, in a world that is evolving very quickly, with scarcity of natural resources and energy, and that presents great changes in the structure of society, of economic sciences, knowledge and work, and who at his core, seeks the happiness in what he thinks is best, especially for himself and his family.

Measures of American inequality offer sparse coverage of subnational units and rely on surveys of self-reported family and household incomes. This dissertation details the development of new inequality datasets at the county, state, and national levels from alternative lenses: sector wages; industry earnings; and average incomes. Sector and industry data are particularly rich, detailed, consistent, and reliable. These new metrics from underutilized data sources contribute to debates over the lived effects of inequality. American economic inequality concentrates in some places more than others, arising from different causes. This dissertation considers ecological associations between inequality, voter turnout, and election outcomes at the state and county levels and multilevel models of individual participation and candidate preference, with voters nested within their state contexts. Aggregate voter turnout has been lower in states with higher levels of income inequality for the last several presidential elections, though this relationship did not strengthen with rising inequality. Likewise, some inequalities have strong associations with state- and county-level presidential election outcomes in certain years, but the patterns are irregular. Multilevel models of voters in states do not indicate a strong relationship among inequality per se and individual behavior. / text

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Submitted by Lorena Hakak Marçal (lhakak@gmail.com) on 2016-07-15T01:32:34Z No. of bitstreams: 1 main_tese.pdf: 1165233 bytes, checksum: 3c715e88460a5637db424c8ffb2ac64b (MD5) / Rejected by Letícia Monteiro de Souza (leticia.dsouza@fgv.br), reason: Prezada Lorena, Favor alterar seu trabalho de acordo com as normas ABNT: 1: O nome Getulio não tem acento. Favor alterar de todas as páginas que constam o nome incorreto. 2: Capa, contra-capa e demais sessões devem estar em português, língua oficial da Fundação. 3: A numeração das páginas não deve aparecer até a Introdução, porém devem contabilizar desde a primeira página. Além disso, a paginação deve estar a direita da página. 4: O título das sessões Agradecimentos, Abstract e Resumo devem ser em fonte de tamanho 12, em caixa alta, negritado e centralizado. Atenciosamente, Letícia 3799-3631 on 2016-07-15T11:53:44Z (GMT) / Submitted by Lorena Hakak Marçal (lhakak@gmail.com) on 2016-07-15T17:39:58Z No. of bitstreams: 1 main_tese.pdf: 1164308 bytes, checksum: c13c0208ff92eb7996f56a8420fa7c53 (MD5) / Rejected by Letícia Monteiro de Souza (leticia.dsouza@fgv.br), reason: Prezada Lorena, Favor fazer a ultima alteração em seu trabalho para que possa ser aprovado: No cabeçalho, onde se encontra 'FUNDAÇÃO GETULIO VARGAS' Favor colocar "ESCOLA DE ECONOMIA DE SÃO PAULO", pois deve permanecer em português. Atenciosamente, Letícia Monteiro 3799-3631 on 2016-07-15T18:33:29Z (GMT) / Submitted by Lorena Hakak Marçal (lhakak@gmail.com) on 2016-07-15T20:34:11Z No. of bitstreams: 1 main_tese.pdf: 1164303 bytes, checksum: 064ad0fc52a52bcb5d49ae307cd0359b (MD5) / Approved for entry into archive by Letícia Monteiro de Souza (leticia.dsouza@fgv.br) on 2016-07-15T20:35:37Z (GMT) No. of bitstreams: 1 main_tese.pdf: 1164303 bytes, checksum: 064ad0fc52a52bcb5d49ae307cd0359b (MD5) / Made available in DSpace on 2016-07-15T20:43:19Z (GMT). No. of bitstreams: 1 main_tese.pdf: 1164303 bytes, checksum: 064ad0fc52a52bcb5d49ae307cd0359b (MD5) Previous issue date: 2016-06-20 / Society has changed in the past decades raising questions to be asked by social scientists and their impacts on family units. In this thesis we aim to analyze how agents’ decisions on marriage and education can be interconnected assuming that men and women have preferences for intra-group marriage. In our framework we find that preferences for intra-group marriage can increase the proportion of men and women who decide to get married and study. We also show that empirically for Brazilian data there is a positive assortative mating between people with same traits, such as, education, religion or race. In addition, married couples that share the same religion tend to have the same level of schooling. We investigate how changes in marital sorting, educational composition and returns to education that occurred in Brazil in the last years can impact in household income inequality. We calculate counterfactual scenarios for Gini Coefficient keeping one of these three variables fixed in one year and comparing the counterfactual values with the actual one. If marriage were formed randomly, the Gini Coefficient would be lower than the actual one. Keeping the returns to education fixed in year 2014 we also show that the counterfactual Gini would be lower than the actual one. / A sociedade mudou nas últimas décadas abrindo a possibilidade para cientistas sociais estudarem essas mudanças e analisar os seus impactos na unidade familiar. Nesta tese pretendemos analisar como as decisões dos agentes com relação a decisão de casar e estudar pode estar conectado considerando que homens e mulheres têm preferências pelo casamento intragrupo. No modelo estudado encontramos que as preferências para o casamento intragrupo podem aumentar a proporção de homens e mulheres que decidem se casar e estudar. Mostramos também que empiricamente há um positive assortative mating entre pessoas com as mesmas características, tais como, educação, religião ou raça. Além disso, a probabilidade de casais casados na mesma religião aumenta a probabilidade dos casais estarem casados dentro do mesmo nível de escolaridade. Considerando as mudanças em como os casais se formam, a composição educacional e os retornos da educação que aconteceram no Brasil nos últimos anos, investiga-se os impactos dessas mudanças na desigualdade de renda dos casais. Calculamos cenários contrafactuais para o Coeficiente de Gini mantendo uma dessas três variáveis fixas em um determinado ano, comparando o contrafactual estimado com o Gini real. Se o casamento for formado aleatoriamente com relação à educação, o Coeficiente de Gini seria menor do que o real. Mantendo os retornos da educação fixos no ano de 2014 encontramos um Gini contrafactual menor do que o real.

Esta tese tem como objetivos: [i] estabelecer os fatores preponderantes para a decisão de investimentos em ativos capazes de gerar de renda mensal de longo prazo; [ii] desenvolver ferramentas de avaliação do investimento para auxiliar na tomada de decisão; e [iii] identificar as expectativas dos investidores, com o intuito de construir um conjunto de premissas para o desenvolvimento de produtos mais ajustados aos seus anseios. Isto é feito por meio de análise comparativa com outras oportunidades de investimento, que leva em conta as expectativas, o humor e as características culturais, racionais, emocionais do investidor e do ambiente externo que o cerca. Para isso é necessário ampliar o conhecimento no campo da análise do comportamento do investidor, com base em sua percepção e expectativas acerca da oportunidade de investimento para a geração de renda mensal de longo prazo (RMLP). É preciso conhecer melhor as raízes das necessidades, desejos e aspirações do ser humano, e da diversidade proveniente das características particulares de cada indivíduo que vive em uma sociedade moderna e organizada, em um mundo que está evoluindo muito rapidamente, com escassez de recursos naturais, de energia e que apresenta grandes mudanças na estrutura da sociedade, das ciências econômicas, do conhecimento e do trabalho, e que, em seu íntimo, busca a felicidade no que entende ser melhor, principalmente para si e para a sua família. / This thesis aims: [i] to establish the predominant factors in the decision-making of investment in assets capable of generating long-term income; [ii] to develop tools for evaluating the investment to assist in the decision-making, and [iii] to identify the expectations of investors, with the aim of building a set of assumptions for the development of products more tailored to their desires. This is done through comparative analysis with other opportunities for investment, which takes into account the expectations, mood, and cultural, rational, and emotional characteristics of the investor and the environment that surrounds him. To this end, it is necessary to expand the knowledge in the field of analysis of the investors behavior, based on his perception and expectations about the investment opportunity for the generation of \"long-term monthly income\" (RMLP). We need to understand better the roots of the needs, desires, and aspirations of human beings, and diversity resulting from the particular characteristics of each individual who lives in a modern and organized society, in a world that is evolving very quickly, with scarcity of natural resources and energy, and that presents great changes in the structure of society, of economic sciences, knowledge and work, and who at his core, seeks the happiness in what he thinks is best, especially for himself and his family.

Submitted by Guilherme Lisboa Ramirez (guilherme.ramirez@uol.com.br) on 2013-02-27T17:11:14Z No. of bitstreams: 1 Dissertacao_Guilherme_Ramirez_vf.pdf: 937329 bytes, checksum: ad15d191716d7337747bcc3f83b75fa0 (MD5) / Approved for entry into archive by Vera Lúcia Mourão (vera.mourao@fgv.br) on 2013-02-27T17:30:52Z (GMT) No. of bitstreams: 1 Dissertacao_Guilherme_Ramirez_vf.pdf: 937329 bytes, checksum: ad15d191716d7337747bcc3f83b75fa0 (MD5) / Made available in DSpace on 2013-02-27T17:58:58Z (GMT). No. of bitstreams: 1 Dissertacao_Guilherme_Ramirez_vf.pdf: 937329 bytes, checksum: ad15d191716d7337747bcc3f83b75fa0 (MD5) Previous issue date: 2013-01-29 / The analysis of the evolution of housing affordability indexes is important in monitoring variations in the capability of a household to purchase a house. The methodology used in this study allows the analysis of housing affordability indexes for different income classes, once it takes into account the whole distribution of household income and house prices, since they have different skewness. The analysis of the Brazilian market under this methodology has shown a decrease in housing affordability in recent years, due to a steeper rise in house prices when compared to the combined effect of household income variations and the loosening of credit constraints. / A análise da evolução dos indicadores de housing affordability permite acompanhar o comportamento do poder de compra de um imóvel. A metodologia utilizada nesta dissertação, ao considerar toda a distribuição da renda domiciliar e do preço dos imóveis, uma vez que as mesmas possuem assimetrias diferentes, possibilita analisar estes indicadores para diferentes segmentos da população. A aplicação desta metodologia para o mercado brasileiro possibilitou observar que a capacidade de compra se reduziu nos últimos anos devido, principalmente, ao aumento do preço dos imóveis a uma taxa maior do que a variação da renda combinada com a flexibilização das condições de credito imobiliário.