Impact of allowed debt relief of individuals in 2009-2014 on final satisfaction of creditors

Kód výsledku v IS VaVaI

<a href="https://www.isvavai.cz/riv?ss=detail&h=RIV%2F61989100%3A27510%2F15%3A86093532" target="_blank" >RIV/61989100:27510/15:86093532 - isvavai.cz</a>

Výsledek na webu

<a href="http://ufu.utb.cz/konference/sbornik2015.pdf" target="_blank" >http://ufu.utb.cz/konference/sbornik2015.pdf</a>

DOI - Digital Object Identifier

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Jazyk výsledku

angličtina

Název v původním jazyce

Impact of allowed debt relief of individuals in 2009-2014 on final satisfaction of creditors

Popis výsledku v původním jazyce

The article deals with personal bankruptcy and with impact of debt relief in the form of rescheduling the creditors. As part of the research the statistical sample of 366 borrowers in debt relief with the repayment schedule since 2009 was studied. Evaluation covered the whole process of debt relief within 5 years until the end of paying the rescheduling. Effect on debtors, creditors and also on future development in debt relief in the Czech Republic was evaluated. The research compared the total amount of debts due to borrowers, their final amount paid as well as level of satisfaction of creditors, further the number of months needed to repay the debt and also monthly installments for creditors. In the researched there was examined the composition of claims filed and the representation of individual creditors in personal bankruptcy. In view of divide the individual creditors according to sectors the most dominate was banking sector which formed most of the identified claims. Furthermore, it was found that most borrowers repay more than half of their obligations and in addition they try to pay the statutory minimum off as quickly as possible.

Název v anglickém jazyce

Impact of allowed debt relief of individuals in 2009-2014 on final satisfaction of creditors

Popis výsledku anglicky

The article deals with personal bankruptcy and with impact of debt relief in the form of rescheduling the creditors. As part of the research the statistical sample of 366 borrowers in debt relief with the repayment schedule since 2009 was studied. Evaluation covered the whole process of debt relief within 5 years until the end of paying the rescheduling. Effect on debtors, creditors and also on future development in debt relief in the Czech Republic was evaluated. The research compared the total amount of debts due to borrowers, their final amount paid as well as level of satisfaction of creditors, further the number of months needed to repay the debt and also monthly installments for creditors. In the researched there was examined the composition of claims filed and the representation of individual creditors in personal bankruptcy. In view of divide the individual creditors according to sectors the most dominate was banking sector which formed most of the identified claims. Furthermore, it was found that most borrowers repay more than half of their obligations and in addition they try to pay the statutory minimum off as quickly as possible.

Druh

D - Stať ve sborníku

CEP obor

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OECD FORD obor

50205 - Accounting

Projekt

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Návaznosti

S - Specificky vyzkum na vysokych skolach

Rok uplatnění

2015

Kód důvěrnosti údajů

S - Úplné a pravdivé údaje o projektu nepodléhají ochraně podle zvláštních právních předpisů

Název statě ve sborníku

Finance and Performance of Firms in Science, Education and Practice : proceedings of the 7th International Scientific Conference : April 23-24, 2015, Zlín, Czech Republic

ISBN

978-80-7454-482-8

ISSN

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e-ISSN

neuvedeno

Počet stran výsledku

8

Strana od-do

60-67

Název nakladatele

Tomas Bata University in Zlín

Místo vydání

Zlín

Místo konání akce

Zlín

Datum konání akce

23. 4. 2015

Typ akce podle státní příslušnosti

EUR - Evropská akce

Kód UT WoS článku

000374107300004