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The bachelor thesis deals with the issue of financial literacy in children aged 6-15 years and the factors that influence the level of financial literacy. The first chapter characterizes financial literacy and its importance. The second chapter describes objective and subjective factors of financial literacy and organizes the knowledge gained from the study of literature, including research findings. The third chapter is devoted to the issue of fostering financial literacy within the framework of basic education in the Czech Republic.

The bachelor's thesis is focused on the issue of teaching financial literacy at selected primary schools. It mainly deals with the topics taught in the framework of financial literacy and teaching methods which are mapped and compared with each other. The theoretical part contains an explanation of the concept of financial literacy, the inclusion of this topic in the Framework Educational Program for primary education. Finally, it deals with teaching methods, from the point of view of their definition, history, classification, and above all, there is a sub-chapter devoted to teaching methods of financial literacy, where a didactic game, created by the author of the work, is described. In the practical part, the reader is introduced to qualitative research. It finds out which financial literacy topics and are taught at selected primary schools and using which methods. The aim is therefore to find out whether or not teachers follow the recommended methods for strengthening financial literacy teaching.

The master thesis deals with the issue of financial literacy among university students in the Czech Republic. Its content is an overview of the programs and strategies of multinational and government organizations dealing with the financial literacy of the population, as well as an analysis of a questionnaire survey. Four factors were selected using findings from searches of foreign professional articles and research, and their influence on the financial literacy of university students was tested on the basis of established hypotheses. The mentioned factors included the effect of gender, the effect of age, the effect of the studied field and the effect of the studied year of study.

The presented diploma thesis is focused on financial literacy at basic school, with the focus on the integration of financial skills into the education on the secondary school. The main aim of the thesis is to compare several selected methods for education of financial literacy at basic school with the intention to select a optimal way for developing the financial literacy of students and solutions of their various economical situations, problems and decisions that expect them in their future life. The theoretical part contains introduction into the topic, introductory theoretical basis, basic definitions of important terms and a description of the educational system. Reasons for introduction of financial literacy education into basic education system are explained. Further, the strategic documents influencing the education of financial literacy at basic school, which are the base for creation of frame school programs for the education of financial literacy, are introduced. The situation is described in more detail and it is explained, how it is possible to introduce the financial literacy education in the school education programs in agreement with the frame education programs. In the end of the theoretical part, the selected methods for evaluation of the financial literacy education at the basic...

This bachelor's thesis focuses on problems of teaching financial literacy at the second grade of elementary school. It is primarily intended for teachers who look for inspiration for teaching financial literacy. The thesis is based on documents called Standard of the financial literacy for elementary education from 2017 and General education program for elementary education from 2021. Activities are based on recommendations described in a document Methodical recommendation for teaching financial literacy from 2013. The thesis consists of a theoretical and a practical part. The theoretical part is focused on defining basic terms and who should be educated in financial literacy. There is also defined what should be taught in financial literacy at the second grade of elementary school and how it should be taught. The practical part contains seven activities which were created according to documents described in the theoretical part. Activities are focused on various parts of a document called General education program for elementary education from 2021 and they are trying to cover as much of the curriculum as possible.

This dissertation was to present the relationship between low financial literacy and recurrence of homelessness. One of the many causes of homelessness in this case is lack of funds leading to foreclosures and debt and lack of financial responsibility. The research, which was carried out in the form of a qualitative approach with the method of case studies, which were made using observations and narrative interviews, showed that low financial literacy among homeless people manifests itself and is connected with their return to social services. In the case of debtors, for example, ignorance of the amount owed and fear of working as a full-time employee, in the sense of fear of enforcement deductions, when debtors have a misconception about deductions and non-disposal income. Their disregard for debt and overall financial irresponsibility will always land them back in the shelter, thus relapsing into homelessness. The results will be provided to social workers and workers in social services at Charita České Budějovice and students of the Faculty of Health and Social Sciences of the University of South Bohemia in České Budějovice. The work has the potential to serve as a basis for information on the issue of homelessness and education in the field of financial literacy.

The bachelor thesis is focused on the issue of adolescents' indebtedness. This is a topic that is not very reflected, but is very current. Qualitative research has been applied to the empirical part. To achieve the set goals and obtain the necessary data, the method of questioning and the technique of semi-structured interviews were used. The aim of the research was to find out what the subjective experience of the quality of life of indebted adolescents is. During the research of the bachelor's thesis, emphasis was placed on individual aspects of their lives. I followed up with the goal, which had the task of mapping the causes and consequences of indebtedness for this target group. The last goal of the research part was to find out whether adolescents have the motivation to repay their debts. The presence of debts in life has a negative effect on the subjective perception of quality of life. Indebtedness affects several areas of life, including health, relationships, leisure and behavior. Adolescents have the motivation to repay debts, but in connection with debts they are not satisfied with their own lives. One of the obstacles to reach satisfaction is the insufficient saturation of needs that are not met in connection with debt. The bachelor thesis could be useful in the field of social work, especially for students in this field who are interested in insight into this issue. The work could also be an incentive for social workers, who are not yet involved in the prevention of indebtedness in children and adolescents.

The Bachelor Thesis deals with the topic of financial literacy and readiness for independant living of young adults leaving children's homes and their peers growing up in families. The aim of the thesis is the comparison of these two groups. The thesis is divided into theoretical and practical parts. The first one defines terms of institutional education and children's home, including their functions in the area of financial education. In addition, the theoretical part defines the term financial literacy, mainly the terms loans (focusing on short and medium term loans), their payments and risks that might have impact on the life of an adult. Another part comprises the description of financial education in various types of schools that children from children's homes as well as children with family background undertake. In the practical part there were used the following methods: qualitative research, questioning and semi-structured interview. There were involved 10 communication partners at the age from 18 to 20; half of them young adults from children's homes and the other half young adults with family background. The research questions focused on the level of financial literacy, personal budgeting abilities, income and expenses, opinions on loans. A part of the questions dealt with assessing the influence of children's home and family background on financial literacy of young adults. The thesis could be beneficial as it introduces a new view on the comparison of financial literacy of young adults from children's homes and their peers growing up in families. Moreover, it can provide useful information for employees of children's homes and other social workers who meet clients in need of help in the area of financial matters and thus it can improve the preparation of young adults leaving children's homes for their independent life.

There were about 6.7 % of inhabitants in foreclosure in the Czech Republic in 2020. The most likely cause is population's low financial literacy whose bases we get at primary school. So we asked whether pupils really learn financial literacy at primary school. We found data for teaching plan in the framework educational programme. We realised, using a questionnaire for teachers, among other things that the number of lessons dedicated to financial literacy is really low. We verified fulfilment of framework educational programme by a test for primary school pupils which was completed by 113 pupils. It showed that they have very low knowledge of financial literacy. Then, we evaluated the situation after primary school through the same test which was filled in by 157 people who completed primary school. The results were better than in case of pupils. Finally, we suggested steps for increasing financial literacy, for instance raising the number of lessons. 1

The diploma thesis is divided into theoretical and practical part. Theoretical part deals with textbook analysis. Its structure, theory, content, text, function, also with analysis of information. Furthermore, it deals with approach and methods of textbook examination in general. The thesis also focuses on didactical quality of textbooks. The end of theoretical part presents us inclusion of financial literacy into educational framework. The practical part deals with analysis of three different financial literacy textbooks and two other textbooks containing chapters focused on financial literacy. Textbook analysis was carried out based on didactical quality and also on difficulty of the text. Selection of analysed textbooks was made according to results of questionnaire survey.

The aim of this bachelor's thesis was to compile a collection of solved examples from financial mathematics for high schools with economic specialization. The solved examples are focused on wages, financial household management and investment products (specifically on savings accounts, time deposits, a construction loan and supplementary pension savings). The starting point for the formation of tasks were Curriculum frameworks for business schools. In the process of creating exercises, emphasis was put on the development of crucial competencies with the Curriculum frameworks for business schools in the process of tasks.

The presented work deals with the question of achieving financial literacy in pupils with hearing impairment, as one of the important areas of development of civic competencies for life in today's society. The main part of the work is the presentation of the results of a research survey aimed at determining the level of financial literacy in the target group of 15-18-year-old students with hearing impairments who study at secondary schools established for students with hearing impairments in the Czech Republic and their comparison with the results of non-disabled students who were included in PISA financial literacy testing. The research was conducted on three levels. Proven tools from international testing for the quantitative part of the survey and standardized psychological tests were selected, along with school registry data for the part that addresses the qualitative characteristics of pupils. Subsequent analysis of the obtained data served to verify the hypotheses what affects the achieving financial literacy in pupils with hearing impairment. Furthermore, data obtained through the ICT saturation questionnaire, which monitors safety techniques and pupils' relationships and attitudes towards ICT and compares them with participants in PISA testing, were processed and commented on. The aim of...

This bachelor thesis, which topic is Collection of examples developing financial literacy, focus on pupils in lower secondary school. The collection contains solved examples inspired by situations from everyday life. The collection is intended for teachers who cultivate the financial literacy of their pupils. Topics addressed in the bachelor's thesis are money, forms of payment, ownership, shopping, inflation, household management, price creation and value added tax, interest and financial planning.

The steadily growing number of migrants in the Czech Republic results in an increase of foreigners participating in the labour market. The current issue of growing debts of migrants is not being properly discussed in czech society among experts and the general public. The aim of this bachelor thesis is to find out in what quantity, content and quality is debt counselling available for migrants in Prague. Using qualitative and supporting quantitative research, the result data show the impact of debt counseling on migrants in the territory of Prague. Debt counseling has a positive effect on the lives of migrants seeking help. At the same time it helps to solve their debt problems. On the other hand, there are barriers connected to debt counseling: insufficient capacity of counseling centers, small amount of available information and diversity of counseling centres. Mentioned barriers can be prevented with the creation of new information sources and expanding language availability.

The principal objective of this thesis is the comprehension of students' mental processes while solving verbal math problems about money. There searchis focused on pupils in the first stage of primary school and in particular verbal math problems, in which nominal value of coins, quantity of coins and their total particular verbal math problems, in which nominal value of coins, quantity of coins and their total sum play a key role. There fore, the objective of this diploma thesis is to lay out classify mony-related exprecises in thee currently used lies of elementary school mathematics text books for grade. The theoretical part consist of demarcation of early school age, a certain number of fanticipate dacts by RVP ZV for the first and second educational period, numeracy, literacy, verbal math problems, various strategies on how to solve such problems, basic is sues pipils encounter whilw solving those problems, coments on the topic of verbal math problems which appear in theree volume soft text books in tended for primary schools (Prodos, Taktic, H-mat). Their division into three types (a total sum of coins, nominal value of coins and number of coins) and their mutual comparision. The goal of the practial part is to analyse thought processes of and grade pupils when solving word problems about...

This bachelor´s thesis is focused on exercises and their solutions from financial mathematics. The collection is for the lower secondary school. The starting points for this thesis are the National Financial Education Strategy, Framework Education Programme for primary schools, School Education Programme of selected schools, Maths textbook for the lower secondary school. The first part contains a definition of the concept of financial literacy, as well as an assessment of the current situation of financial literacy. The second part presents exercises that are divided by curriculum. The exercises are aimed at using mathematical operations to work with finances in everyday life. There is a concisely defined theory on each topic.

The diploma thesis will be devoted to the principles of market economy and its teaching in Civics classes at primary school. The work is divided into two parts, theoretical and practical. The theoretical part introduces the basic principles of market economy, explains the concepts of market, market mechanism, supply, demand, competition, monopoly, price and profit, including the interrelationships. The following is an insight to the curriculum and the theory of didactics. At the end of the theoretical part, space is set aside for introduction to the basic issues of teaching economic topics at primary school. In the practical part I present project teaching, a didactic analysis of the principles of market economy is performed, a teaching unit was designed and evaluated, which was implemented at the primary school and kindergarten Kralupy nad Vltavou, Třebízského 523. The diploma thesis is ended with self-evaluation.

The bachelor thesis will introduce the basic concepts which related to financial literacy. At the same time, I will try to outline the current state of how this topic is discussed in the secondary schools. In the practical part, it will be made several worksheets and materials for lessons which will include financial literacy targed. At the same time, this material will be given for assessment by teachers who could realize financial literacy in their subjects. The method of semi-structured interview will be used as the main method of my research.

The main aim of the dissertation is to define if there is a correlation between financial and mathematical literacy of high school pupils using a suitably designed methodology. Its aim is to determine whether and to what extent the pupils´ acquired mathematical knowledge and skills translate into the development of their financial literacy. The issue of financial educationis currently being studied. To live in a modern society, it is necessary for an individual to be financially literate, ie able to fully adapt to the changing conditions on the financial markets. The process of education begins in early childhood. The thesis focuses on secondary school pupils, who already become legally adults during their studies, ie they can conclude binding contracts. The thesis is divided into two basic parts, theoretical and empirical. The theoretical part offers the reader a comprehensive search of available professional literature related to the issue. The theoretical part defines both literacies, ie financial and mathematical, and discusses their relationship. The reader is also acquainted with the issue of financial education in the Czech Republic and abroad. The empirical part describes the methodology of the implemented combined research, which links the methods of quantitative (ie questionnaire, didactic test) with the methods of qualitative (ie interview) survey with the help of the data triangulation method in order to increase its validity. The respondents were pupils of grammar schools and secondary technical schools with extended instruction in economic subjects across the Czech Republic. A sufficient sample was obtained to achieve a total 95% reliability level. Research has confirmed that there is a significant correlation between financial and mathematical literacy. It showed that a pupil's mathematical knowledge and skills are one of the effective tools for developing their financial literacy. It also showed that financial education can also be beneficial for teaching mathematics itself.

This thesis focuses on financial literacy in pre-school education. The aim of this thesis is to create a series of activities, that correspond to the development of pre-school children. The proposed activities relate to financial literacy in a broader sense, than just financial mathematics. The objective is to verify eligibility of proposed activities, both from the author's perspective, as well as from the perspective of the teachers of kindergarten, in which the research was set. The creation of proposed activities is based on the theoretical foundations obtained in the theoretical part of this work. The objective of the proposed activities is to introduce children to the fundamentals of financial literacy, initiate first experience, fortify designed habits and acquaint children with elementary concepts. The verification method is based on qualitative research with elements of action research. Observation of pre-school children during the activities served as main data collection method. The activities were captured on video for later analysis and post-reflection. The obtained data allowed possible modifications of activities and conditions of their implementation, as well as further recommendations for teacher practice.

The article examines the differences in individual discount rates among the Roma ethnic group (Gypsies) and the Czech ethnic group. Low income, low education, and currently unemployed participants (Roma N=27, Czechs N=23) were subjected to pilot experiments based on in-depth questionnaires. In addition to impulsivity (delay-discount rates), the correlation with cognitive aptitude, risk attitudes, and various socioeconomic and demographic characteristics were analysed. Even though the Roma group was characterised by lower cognitive abilities, education, and financial literacy, our results indicate that participants from both groups appear to be equally impatient, with discount rates close to the values of individuals dependent on addictive substances (according to the results of some earlier foreign studies). Nevertheless, the Roma ethnic group is better characterised by inconsistent discounting compared to the Czechs who behave more consistently. However, these results are not robust to alternative estimation characteristics. We also found a positive effect of financial literacy on savings in the Roma sample. The conclusion discusses the influence of the environmental context on impulsivity and reviews the limitations of the study.

Bachelor thesis deals with financial literacy at the second stage of elementary school. Attention is focused on the evaluation of textbooks and workbooks available to teachers. The first part of the thesis is focused on the definition of financial literacy and key documents. Next part of the thesis is devoted to the inclusion of financial literacy in the framework of the curriculum and then to the specific School educational program. The last part is devoted to the evaluation of textbooks and workbooks, which are evaluated according to predetermined criteria from the relevant literature. Finally, the recommendations of specific textbooks and workbooks on the teaching of financial literacy are made. The thesis could serve as a basic orientation in key documents dealing with financial literacy. The thesis could help teachers involved in the teaching of financial literacy with the selection of textbooks and workbooks. KEYWORDS financial literacy, textbook, workbook

This diploma thesis describes current situation of teaching of financial literacy in elementary schools and suggests certain changes. It also presents educational approach within this issue. In the theoretical part it describes conclusions in the field of financial literacy in RVP ZV and in ŠVP of two chosen schools. It proposes particular outcomes of financial literacy in each grade of elementary schools, which could be included in the RVP ZV with its revision, also possibly could used by the teachers for creating thematic schedules or for scheduling the lessons. For each outcome there is an option added how to implement it with the pupils in a form of working with textbooks or other related publications, or through a model situation with presumed development and teacher's commentary. In the practical part it offers verification of some of the suggested activities and description of interesting phenomena, which occured during the testings. KEYWORDS financial literacy, shopping and paying, household economy, loans and savings, didactic situations from real environment, pupil of a younger school age

This bachelor thesis is focused on solved tasks from financial mathematics. Chosen tasks were complemented with possible use of modern technology (internet calculators, spreadsheet Microsoft Excel and a computational knowledge engine Wolfram Alpha). A collection of tasks is intended for high schools and contains these topics: inflation, exchange rate, interest (simple and compound, decursive and anticipative), loans, APR, mortgage, savings (short-term, long-term and combined) and financial products with state support. The basis for creating tasks is Framework Education Programme for Secondary General Education. The tasks were created with emphasis on the development of key competences in accordance with FEP SGE.

The bachelor thesis is focused on financial literacy of clients in material need. The thesis is based on the theoretical background that explains the concept of money, financial literacy and its structure, and also points to the importance of financial education, the level of which is set by the Standards of financial literacy for primary and secondary schools. The second chapter of this thesis deals with loans (especially from non-banking institutions), debts and the most extreme solution for non-fulfillment of obligations - the seizure of property. The following part deals with the inclusion of material need in the Social security system in CR, the characteristics of the target group, the description of individual benefits in material need and the list of situations in which the person can be declared in material need. At the end of the thesis, research data is interpreted to find out how respondents perceive financial literacy, how they relate to and how they deal with money. The research group is the clients of the Labor Office of the department of material need in Žďár nad Sázavou.

The aim of this thesis is tomap financial literacy and attitudes to education in this area in different social groups and layers of population in the Czech Republic. At the theoretical level basic concepts of financial literacyare processed, as well as the factors that affect it and the reasons why people get into financial problems. The thesischaracterizes the general approaches and themes to address, monitors the role of the state in the promotion of furthereducation. The theoretical part of the thesis describes what typical features are present inthe education of pupils in this subject at schools in the Czech Republic. The aim of the practical part of the thesis is to find out,on what levelfinancial literacy is in specific population groups, and to analyse problems of financialeducation, and, where appropriate, to provide recommendations for educational procedures.As a basic method of the research,a questionnaire survey was used. The survey shall be implemented in the second stageof primary school.

The thesis is dealing with the current state of teaching financial literacy and financial mathematics at high schools. It aims to summarize information about the publications on which it is based to teach financial literacy, and then identify possible suggestions to improve learning based on interviews with practitioners. The theoretical part deals with the analysis of teaching materials and the identification of typological examples. The practical part is devoted to interviews with practitioners. They assess today's knowledge of financial literacy of clients as well as teaching materials at high schools.

The topic of the thesis is the use of selected tasks, which I created in my bachelor thesis, in the mathematics teaching at grammar schools. These are problematic word problems from geometry curriculum with financial themes. The aim of the thesis is to find out the role of the word problems in pupils' motivation in teaching. The theoretical part describes the issue of motivation and pupil motivation for learning. I also deal with problem of word problems, their definition and typology. The practical part is focused on experiment with aim to find out the use of selected tasks in the mathe- matics teaching at grammar school. In the experiment, I primarily examined whether the tasks motivated pupils , how successful they were in solving and the influence of financial themes in selected tasks on the pupil's emotional state or his success in solving the task. I processed statistical data quantitatively and qualitatively. To collect statistical data, I used a questionnaire and observation. The evaluation of the experiment includes statistics on pupils' motivation to solve the tasks and pupils' success in solving the task. According to research results, pupils were motivated by the tasks. The difficulty of the tasks is proportional to the level of mathe- matical abilities of pupils at grammar school. The...

The Financial crisis in 2008 increased the focus of financial intermediaries and also national authorities for financial education and financial literacy of households. Bank association in Slovakia started to measure and increase the financial literacy of population and government implemented the National standard of financial literacy into the curriculum of grammar schools and high schools. This paper examines the level of financial literacy of students in Slovakia and the influence of determinants education level and education focus. We performed a questionnaire with 10 questions on a sample of 608 students from two Faculties of Slovak University of Agriculture. The questions were linked to 4 areas: interest, risk management, financial market and personal finance. To measure the level of financial literacy we use Index of financial literacy IFIG). Using Index of financial literacy and Mann-Whitney U test techniques we find that education level and education focus are relevant determinants of financial literacy level. Students with bachelor degree have better results when compared to high school students. The success rate measured by the IFIG of bachelor students was 0,658 and the success rate of high school students was 0,577. We also found differences based on the education focus. We compared two groups: students with economic focus of education with students with non-economic focus of education. Based on our results we can conclude that economic focus of education increases the level of financial literacy. The success rate of students with economic focus of education was significantly higher (0,674) compared to the students with non-economic focus of education (0,553).

The paper aims to highlight the important role of financial literacy as one of the factors that ensures sustainable development in society. First, the paper deals with the definition of financial literacy and the importance of financial literacy for society. It analyses various symptoms associated with the level of financial literacy in the form of household debt and the number of ordered property repossessions. Furthermore, the paper focuses on the measurement of financial literacy and, in this context, presents selected results of the survey of financial literacy from a selected group of respondents (university students) in the Czech Republic that were acquired as part of the "V4 Scientific Centers for the Enhancement of Financial Literacy and Entrepreneurship Education" project focused on research in the field of entrepreneurship education and financial literacy in Visegrad Group countries. Financial literacy is seen as one of the most important characteristics that can determine the behaviour of individuals in the world of finance, their approaches to payment discipline, debt and thinking for the future. In this regard, it is important to put emphasis on financial education as a tool for heightening and developing practical financial literacy.

The main goal of the bachelor thesis "Basics of financial literacy for children in school-age with mental disabilities in Montessori pedagogy" is to create an instructional material for financial literacy in Montessori pedagogy. The research determines four partial goals. The research question is chosen according to the partial goals. The qualitative research techniques were used to the achievement of the goals of the bachelor thesis. The semi-structured interview, the participant observation and the individual work with the girls were used to collect data for the practical part. The result of the bachelor thesis is the formed instructional materials for teaching financial literacy including the handmade aids of Montessori pedagogy. The instructional materials, including the aids, was created during the research and based on the individual needs of the girls.The results of the research point out the work with the aids beeing helpful for both girls. It was proceeded systematically during the work with the aids. Both girls improved, especially in the area of the financial literacy. Each of the girls improved according their individual abilities. Therefore it is not possible to compare the results of the research. The improvement of both girls in the area of the financial literacy is recorded in case studies. All process of the work with the aids and the practise work with money is described in the instructional materials. The bachelor thesis can serve as inspiration for the production of other aids in the area of the financial literacy, or for the completion and the grow of the instructional materials.