No description available.

No description available.

Thesis deals with the analysis of financial behavior of czech population in terms of debt and savings. It focuses on households, because they support economic growth by consumer spending and also constitute an important factor in the labor market and store money into the various types of savings and thus provide important sources of financing to domestic economy. The work analyzes household debt with banks and non-banking institutions, its causes and possible consequences, and also includes comparison with the situation in the EU. Part of the savings analyzes the link between the level of gross savings, disposable income and household consumption and the relationship of growth of savings and unemployment, the development of various types of savings and compares the situation with EU countries.

Main goal of the diploma thesis is to describe household consumption and its survey in the Czech Republic not only from the macroeconomic but mainly from the microeconomic standpoint. Consumption expenditures are the main subject of many long-term analysis and forecasts which help by implementation of economic and politcal precautions. In connection with the historical development of statistic as a scientific disciplin there is also a significant stress on a methodical development of household budget surveys which examine consumption expenditures of different social groups and household types. After the analysis of development and structure of household consumption surveyed by National Accounts and Household Budget Surveys the attention is given also to household consumption in member states of the European Union among which is also the Czech Republic.

This thesis concerns home insurance, with the main goal of raising awareness of this topic among both the public and specialists in the field. In reaching this goal, a wide range of statistical methods is used. The text contains five chapters. The first theoretical chapter deals with basic terms and an overview of the Czech home insurance market while the remaining four chapters concern practical aspects. From the four practical chapters, each deals with the topic from a different point of view. The second chapter deals with polls, the third looks at comparing different home insurance products on the Czech market, the fourth describes trends and forecasts of premiums and claims using a time-series analysis, and the last uses regression and cluster analyses to further describe this market. The set aim was reached using appropriate statistical methods and procedures. The analysis of the data received from polls, the comparison of different products and the creation of forecasts for further periods represent the biggest contribution to this thesis.

This thesis analyses the structure of indebtedness of citizens in the Czech Republic and Slovak Republic. Emphasis is put on segmentation of loans based on microeconomic characteristics. Classification involves not only parameters of loans, but also attributes of creditors and debtors. The objective is to provide an integrated overview of categories of indebtedness of households and their comparison for both of the analysed countries.

Climate change is an important subject nowadays and climate change leads to more natural disasters. This essay is a large literature study on Asian, American, European, Oceanian and African countries about the economic consequences for households as a result of natural disasters and the coping mechanisms used by households, as well as governments and institutions. It also provides information about natural disasters, such as natural disasters that have the worst consequences, people that are highly affected by disasters and places in the world where disasters happen the most. The aim of this study is to learn more about environmental disasters and prepare better for future disasters. The results show consequences on welfare (income, assets, poverty), the labour market, migration and inequality. And the coping strategies found are post-disaster sources (help from family and relatives, public and private transfers, borrowing, credits, savings, insurance), decrease in expenditures, changes in consumption, selling assets, changes in the labour market, help from communities and other ways to cope. Governments and institutions also help households in the aftermath of natural disasters. Overall, we conclude that natural disasters lead to important economic impacts for people, and households react by using different coping mechanisms to recover.

No description available.

No description available.

This is a study about rural households making a living from a declining natural resource base and surviving in a changing rural economy in rural Philippines. Informed by the political ecology and feminist environmentalism theoretical frameworks, the study uses empirically-based theorizing to elucidate social factors that influence household resource management strategies. Interactions of class and gender relations, the coexistence of market and nonmarket relations, and the power of social networks are among the social constructs that shape the everyday choices and decisions of household resource users. The findings of this study suggest that a "technological fix" model to address resource degradation is not the answer. I conclude by stating that building social capital and engendering local control of resources are keys to sustainable natural resource management. / Ph. D.