Osnovani s ciljem pomaganja građanima
Financijski isključene građane vraćamo u život, pomažemo im u stavljanju financijske situacije pod kontrolu i upravljanju osobnim financijama.
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Istraživanja
Debt regulation
Financial Services User Group (FSUG) Opinion Paper on Personal Insolvency (2023)
https://finance.ec.europa.eu/system/files/2023-09/fsug-opinions-230911-personal-insolvency_en.pdf
Natalia Ingrid Font Gorgorio. El sobreendeudamiento del consumidor: prevención y reacción en el ordenamiento espanol (2023): https://www.tdx.cat/bitstream/handle/10803/688876/Tesi_NataliaIngrid_Font.pdf?sequence=2&isAllowed=y
Sector organisation NVVK and debt rescheduling in the Netherlands
J.-O. Heuer (2021): Rules and norms of consumer insolvency and debt relief: A compasrison and classification of personl bankruptcy systems in 15 economically advanced countries. University of Bremen (Bremen).
https://doi.org/10.26092/elib/454
Ignacio Orrico Sánchez. El sobreendeudamiento familiar y mecanismos de segunda oportunidad (2019): https://riucv.ucv.es/bitstream/handle/20.500.12466/1022/Orrico%20S%C3%A1nchez,%20Ignacio_Tesis%20definitiva.pdf?sequence=1
I. Ramsay (2017): Personal insolvency in the 21st century: A comparative analysis of the US and Europe. Hart Publishing (Oxford)
W. Backert, S. Block-Lieb, J. Niemi (ed.) (2013): Contemporary issues in consumer bankruptcy. Peter Lang (Fankfurt/M)
J.J. Kilburn (2007). Comparative consumer bankruptcy. Carolina Academic Press (Durham N.C.)
J. Niemi-Kiesläinen, I. Ramsay, W.C. Whitford (ed.) (2003): Consumer bankruptcy in global perspective. Hart Publishing (Oxford)
B.E. Adler, B. Polak, A. Schwartz (2000): Regulating consumer bankruptcy: A theoretical inquiry. Journal of legal Studies, 29 (2) 585-613
Over-Indebtness
Giuseppe Pulina, Consumer debt in Luxembourg and the Euro area: Evidence from the household finance and consumption survey (2023)
https://www.bcl.lu/fr/Recherche/publications/cahiers_etudes/175/BCLWP175.pdf
Study of European consumer over-indebtedness and its implications(2023)
https://commission.europa.eu/publications/study-european-consumers-over-indebtedness-and-its-implications-annexes-final-report_en
Stephen E.G. Lea(2021): Debt and Overindebtedness: Psychological Evidence and its Policy Implications. Social Issues and Policy Review. Vol 15. No1.Wiley Online Library. 146-179
https://spssi.onlinelibrary.wiley.com/doi/10.1111/sipr.12074
Grzegorz Walega, Agniezka Walega (2020). Over-indebted households in Poland: Classification tree analysis. Social Indicators Research:
https://link.springer.com/article/10.1007/s11205-020-02505-6
Jacqueline Warth et al (2020): Association between over-indebtedness and antidepressant use: A cross-sectional analysis. PLoS One 15 (7)
https://journals.plos.org/plosone/article?id=10.1371/journal.pone.0236393
ECB. Unemployment risk and over-indebtedness: https://www.ecb.europa.eu/pub/pdf/scpwps/ecbwp1908.en.pdf
CIVIC Consulting (2013): Over-indebtedness of European households. Updated mapping of the situation, nature and causes, effects and initiatives for alleviating its impact (Final report)
https://civic-consulting.de/reports/Overindebtedness-part_1.pdf
Stefan Angel, Karin Heitzmann. Auslöser, Verläufe und Auswirkungen von Überschuldung in Privathaushalten: https://research.wu.ac.at/ws/portalfiles/portal/19845782/FB_01_2010.pdf
Dr. Dieter Korczak, Überschuldung in Deutschland zwischen 1988 und 1999. Schriftenreihe Band 198. Bundesministerium für Familie, Senioren, Frauen und Jugend, Stuttgart 2001
G. Betti, N. Dourmashkin, M.C. Rossi, V. Verma, Y. P. Yin (2001): Study of the Problem of Consumer Indebtedness: Statistical Aspects, report to the Commission of the European Communities. Directorate-General for Health and Consumer Protection, Commission of the European Communities. ORC Macro (London)
Luisa Anderloni, Daniela Vandone. Risk of over-indebtedness and behavioural factors.
Financial education
Elsa Fornero, Anna Lo Prete (2023): Financial education: From better personal finance to improved citizenship
OECD (2022), Policy handbook on financial education in the workplace, OECD Publishing, Paris
https://www.oecd.org/finance/policy-handbook-on-financial-education-in-the-workplace-b211112e-en.htm
BMFSFJ (2023): Was mache ich mit meinen Schulden? Broschüre. Berlin
https://www.bmfsfj.de/resource/blob/95498/f9eed2083ef14e32c0c580eaf3e00c53/was-mache-ich-mit-meinen-schulden-data.pdf
OECD (2021): Nationale Finanzbildungsstrategie für Österreich. Wien
https://www.oecd.org/daf/fin/financial-education/austria-financial-literacy-strategy.htm
OECD/Infe 2020 International Survey of Adult Financial Literacy: https://www.oecd.org/financial/education/oecd-infe-2020-international-survey-of-adult-financial-literacy.pdf
Wolf, Marcus (2018) : Ain’t misbehaving: Behavioral economics and the making of financial literacy, economic sociology_the european electronic newsletter, ISSN 1871-3351, Max Planck Institute for the Study of Societies (MPIfG), Cologne, Vol. 19, Iss. 2, pp. 10-18
https://www.econstor.eu/bitstream/10419/175573/1/econ_soc_19-2-3.pdf
Coface. Compendium on Financial Inclusion: https://coface-eu.org/wp-content/uploads/2021/12/Compendium_EN_web.pdf
Alena Opletalová (2015): Financial education and financial literacy in the Czech education system. Procedia – Social and Behavioral Sciences 171 (2015) 1176-1184
https://www.researchgate.net/publication/275530310_Financial_Education_and_Financial_Literacy_in_the_Czech_Education_System
Dr. Dieter Korczak, Münchner Schuldenprävention für Kinder und Jugendliche. Evaluationsergebnisse aus fünf Jahren wissenschaftlicher Begleitforschung des Präventionsprojektes Cashless. München 2010
Dr. Dieter Korczak / Landeshauptstadt München (2007), Abschlussbericht Münchener Präventionsprojekte “Schuldenprävention in Kindergärten und Berufsschulen”. München
https://gp-f.com/de/pdf/sch_ikb.pdf
Beata Swiecka, Aleksandra Grzesiuk, Dieter Korczak, Olga Wyszkowska-Kaniewska, Financial Literacy and Financial Education. Theory and Survey. De Gruyter Oldenbourg: Berlin/Boston 2019
Financial Literacy and Financial Education: Theory and Survey – Beata Świecka, Aleksandra Grzesiuk, Dieter Korczak, Olga Wyszkowska-Kaniewska
https://books.google.de/books/about/Financial_Literacy_and_Financial_Educati.html?id=U3eODwAAQBAJ
Debt advice
Peter Schruth, Katharina Loerbroks, Barbara Kroll, Frank Lackmann (2023): Schuldnerberatung in der Sozialen Arbeit. Beltz Juventa (Weinheim, Basel)
Carsten Homann, Malte Poppe (2022): Schuldnerberatung für die Soziale Arbeit – Grundlagen und Praxisanwendung. Nomos Verlagsgesellschaft (Baden-Baden)
https://www.nomos-shop.de/nomos/titel/schuldnerberatung-fuer-die-soziale-arbeit-id-107185/
Christoph Mattes, Simon Rosenkranz, Matthias D. Witte (Hrsg.) (2022): Das Soziale in der Schuldenberatung. Schneider Verlag Hohengehren
https://paedagogik.de/grundlagen-soziale-arbeit/product/das-soziale-in-der-schuldenberatung-2298/
Christoph Mattes (2021): Schuldenberatung und Schuldenprävention als Soziale Arbeit. Grundwissen und Handlungskonzepte. Verlag W. Kohlhammer
https://shop.kohlhammer.de/schuldenberatung-und-schuldenpravention-als-soziale-arbeit-34793.html#147=19
Harald Ansen (2018): Soziale Schuldnerberatung. Prävention und Intervention. Verlag W.Kohlhammer (Stuttgart)
https://shop.kohlhammer.de/soziale-schuldnerberatung-31711.html#147=22
Scoring
Financial Services User Group (2016): Assessment of current and future impact of Big Data on Financial Services
https://finance.ec.europa.eu/system/files/2016-12/1606-big-data-on-financial-services_en_0.pdf
GP Forschungsgruppe/ ULD Schleswig-Holstein, Scoring nach der Datenschutznovelle 2009 und neue Entwicklungen, Kiel, München 2014