Factors of Professional Qualification Test Results of Selected Non-Bank Consumer Credit Providers Employees
Factors of Professional Qualification Test Results of Selected Non-Bank Consumer Credit Providers Employees

Author(s): Ivan Soukal, Eva Hamplova
Subject(s): Gender Studies, Business Economy / Management, Demography and human biology, Socio-Economic Research
Published by: Masarykova univerzita nakladatelství
Keywords: consumer credit; qualification test; non-bank financial institution; gender; age; time;
Summary/Abstract: Non-bank financial institutions providing or intermediating consumer credit were throughout a year of 2018 ensuring the qualification of their employee to meet requirements of a recent regulation. Czech National Bank stipulated decree no. 381/2016 and decree no. 384/2016 to implement legal act no. 257/2016 Coll., on consumer credit. This regulation came into force recently and therefore, a professional qualification level of all employees involved in the provision and intermediation of a consumer credit now has to be proven. Qualification could be proven at accredited institutions only by passing an exam test. We analyzed the test results of 1.916 employees of two medium sized nonbank financial institutions who took the final qualification test at an accredited institution. We set main and auxiliary hypotheses regarding an effect of gender, age, and time. Gender was not found as a factor of performance in the qualification testing. Age was found as a factor of the test score. The youngest and the oldest employees performed statistically worse than employees between age of 30–59. The last tested variable of time was found as a factor. Performance of employees who took the test in the first quartile was both statistically as well as from practitioner’s point of view significantly better.

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