DDI_BIH_2011_FLFS_v01_M_WB
World Bank
2012-04-29
NADA
Financial Literacy and Financial Services Survey 2011
FLFS 2011
BIH_2011_FLFS_v01_M
IPSOS
Dragan Bagic
NADA
World Bank
Other Household Health Survey [hh/hea]
The survey on financial literacy among the citizens of Bosnia and Herzegovina was conducted within a larger project that aims at creating the Action Plan for Consumer Protection in Financial Services.
The conclusion about the need for an Action Plan was reached by the representatives of the World Bank, the Federal Ministry of Finance, the Central Bank of Bosnia and Herzegovina, supervisory authorities for entity financial institutions and non-governmental organizations for the protection of consumer rights, based on the Diagnostic Review on Consumer Protection and Financial Literacy in Bosnia and Herzegovina conducted by the World Bank in 2009-2010. This diagnostic review was conducted at the request of the Federal Ministry of Finance, as part of a larger World Bank pilot program to assess consumer protection and financial literacy in developing countries and middle-income countries. The diagnostic review in Bosnia and Herzegovina was the eighth within this project.
The financial literacy survey, whose results are presented in this report, aims at establishing the basic situation with respect to financial literacy, serving on the one hand as a preparation for the educational activities plan, and on the other as a basis for measuring the efficiency of activities undertaken.
Bosnia and Herzegovina
Data collection was based on a random, nation-wide sample of citizens of Bosnia and Herzegovina aged 18 or older (N = 1036).
Household, individual
Population aged 18 or older
Sample survey data [ssd]
The first section of the study deals with financial literacy and its various aspects. Based on these data, the Financial Literacy Index was derived (a single-dimension composite scale of financial knowledge and capability). Next sections deal with managing everyday financial choices (saving, covering shortages etc.) in the context of general household financial situation. .
SUMMARY
In Bosnia and Herzegovina, as is well known, there is no completely reliable sample frame or information about universe. The main reasons for such a situation are migrations caused by war and lack of recent census data. The last census dates back to 1991, but since then the size and distribution of population has significantly changed. In such a situation, researchers have to combine all available sources of population data to estimate the present size and structure of the population: estimates by official statistical offices and international organizations, voters? lists, list of polling stations, registries of passport and ID holders, data from large random surveys etc.
The sample was three-stage stratified: in the first stage by entity, in the second by county/region and in the third by type of settlement (urban/rural). This means that, in the first stage, the total sample size was divided in two parts proportionally to number of inhabitants by entity, while in the second stage the subsample size for each entity was further divided by regions/counties. In the third stage, the subsample for each region/county was divided in two categories according to settlement type (rural/urban).
Taking into the account the lack of a reliable and complete list of citizens to be used as a sample frame, a multistage sampling method was applied. The list of polling stations was used as a frame for the selection of primary sampling units (PSU). Polling station territories are a good choice for such a procedure since they have been recently updated, for the general elections held in October 2010. The list of polling station territories contains a list of addresses of housing units that are certainly occupied.
In the second stage, households were used as a secondary sampling unit. Households were selected randomly by a random route technique. In total, 104 PSU were selected with an average of 10 respondents per PSU. The respondent from the selected household was selected randomly using the Trohdal-Bryant scheme.
In total, 1036 citizens were interviewed with a satisfactory response rate of around 60% (table 1). A higher refusal rate is recorded among middle-age groups (table 2). The theoretical margin of error for a random sample of this size is +/-3.0%.
Due to refusals, the sample structure deviated from the estimated population structure by gender, age and education level. Deviations were corrected by RIM weighting procedure.
MORE DETAILED INFORMATION
IPSOS designed a representative sample of approximately 1.000 residents age 18 and over, proportional to the adult populations of each region, based on age, sex, region and town (settlement) type.
For this research we designed three-stage stratified representative sample. First we stratify sample at entity level, regional level and then at settlement type level for each region.
Sample universe:
Population of B&H -18+; 1991 Census figures and estimated population dynamics, census figures of refugees and IDPs, 1996. Central Election Commision - 2008; CIPS - 2008;
Sampling frame:
Polling stations territory (approximate size of census units) within strata defined by regions and type of settlements (urban and rural) Polling stations territories are chosen to be used as primary units because it enables the most reliable sample selection, due to the fact that for these units the most complete data are available (dwelling register - addresses)
Type of sample:
Three stage random representative stratified sample
Definition and number of PSU, SSU, TSU, and sampling points
- PSU - Polling station territory Definition: Polling stations territories are defined by street(s) name(s) and dwelling numbers; each polling station territory comprises approximately 300 households, with exception of the settlements with less than 300 HH which are defined as one unite. Number of PSUs in sample universe: 4710
- SSU - Household Definition: One household comprises people living in the same apartment and sharing the expenditure for food
- TSU - Respondent Definition: Member of the HH , 18+ Number of TSUs in sample universe: = 2.966.766
- Sampling points Approximately 10 respondents per one PSU, total 104
Stratification, purpose and method
- First level strata: Federation of B&H Republika Srpska Brc ko District
- Second level strata: 10 cantons 2 regions -
- Third level strata: urban and rural settlements
- Purpose: Optimisation of the sample plan, and reducing the sampling error
- Method: The strata are defined by criteria of optimal geographical and cultural uniformity
- Selection procedure of PSU, SSU, and respondent Stratification, purpose and method
* PSU Type of sampling of the PSU: Polling station territory chosen with probability proportional to size (PPS) Method of selection: Cumulative (Lachirie method)
* SSU Type of sampling of the SSU: Sample random sampling without replacement Method of selection: Random walk - Random choice of the starting point
* TSU - Respondent Type of sampling of respondent: Sample random sampling without replacement Method of selection: TCB (Trohdal-Bryant scheme)
- Sample size N=1036 respondents
- Sampling error Marginal error +/-3.0%
Face-to-face [f2f]
The survey was modelled after the identical survey conducted in Romania. The questionnaire used in the Financial Literacy Survey in Romania was localized for Bosnia and Herzegovina, including adaptations to match the Bosnian context and methodological improvements in wording of questions.
Data for this survey were collected by means of in-home face-to-face interviews, using a highly structured questionnaire. Data collection was conducted by the Ipsos agency. All interviewers participating in data collection were specifically trained for this project, including detailed rules for the selection of respondents, rules for asking respondents questions and rules for data collection itself. Seven local coordinators (Sarajevo, Tuzla, Zenica, Mostar, Bihac, Banja Luka, and Bijeljina) conducted verbal instructions in their respective areas, based on written instructions prepared by Ipsos researchers with the help of consultants working on this project. Interviewers engaged in particular regions were selected depending on their ethnic and local language background in order to decrease refusal rates and to avoid negative "halo effect". Data collection was performed from 4th May to 15th May 2011.
IPSOS filed work is organized in following way:
We have 7 local coordinators in B&H, in 7 centers of major regions: Sarajevo, Tuzla, Zenica, Mostar, Bihac, Banja Luka, Bijeljina. Each of them controls a number of trained interviewers, on a daily basis. In our Sarajevo office we have central fieldwork manger that is responsible for central coordination of project in B&H.
Each local coordinator organizes trainings for their interviewers.
Interviewers are obligated to send completed interviews to their local coordinator every day.
Interviewers engaged in particular regions were selected depending on their ethnic and local language background in order to decrease response rates and to avoid "halo effect".
Both coordinators and interviewers received training in details on project subject, target group(s), techniques in selecting households and respondents, rules for back-checks, recording response rates
Scheduling and assignment of interviews
* Interviewer had to find the starting point according the instructions (street and number of the dwelling/ building). From the starting point, interviewer went into the instructed direction in order to identify the first dwelling (e.g. goes in direction of increasing numbers of dwellings and on the right side of the street, and enters into the third dwelling from the starting point ). When enters in the dwelling, he/she follows the procedure of choosing the apartment (only one apartment in the building can be visited in a family house, but several in high-rise buildings); the interviewer is instructed in which floor to go, and how to choose the apartment, etc.)
* After choosing the apartment, interviewer use TCB tables for the choice of the respondent
* Non response situations
a) No one at home: interviewer comes back at least 1 time in another time of day, if without success.
b) Refused by the person who open the door: interviewer is not coming back, and notes it with all details (sex, age of the assumed respondent, reasons for the interview not being realized) in the interviewer's diary (contact form)
c) The respondent not available: same as under (a)
d) Selected respondent refuses the interview: respondent is not replaced by another person from the same HH, interviewer notes it with all details (sex, age of the assumed respondent, reasons for the interview not being realized) in the interviewer's diary (contact form)
Interviewers are taking notes in Interviewers diary (contact form).
Interviewers are instructed to schedule the interviews in the afternoon-after working hour, except on weekends.
All interviewers attend the training and are provided with written instructions of respondent selection and questionnaire specific questions.
Every interview conducted is recorded in the Interviewers' Diary which contains the following survey management information:
- A unique identification number for each respondents,
- Sampling point of the interview, date of interview,
- Time of the start and end of the interview,
- Municipality where interview was realized, region, settlement
- Interviewer code (a unique number assigned to each individual interviewer)
- Number of visits required to complete interview
- Non-response (full description of the non-response occasion)
Quality control in the field
Interviewers were monitored in several ways. First, regional coordinators checked 5% of each interviewers work in the field. Second, 20-25% of interviewers' work was checked by phone from our central office. Fieldwork control verifies the following aspects of interviewers' work:
- Fact that the interview has actually taken place;
- Proper application of the sampling plan in selecting the respondents;
- Approximate duration of the interview;
- Proper administration of the various sections of the questionnaire, and
- Interviewers' general adherence to professional standards.
Following data collection, 100% logic and consistency controls are performed, both by local supervisors and staff in local office.
Finally, IPSOS, as associated member of ESOMAR, the most prominent organization for marketing and public opinion research, conservatively respects the rules and principles established in ICC/ESOMAR international rules for marketing research
Before data entry, 100% logic and consistency controls are performed first by local supervisors and once later by staff in central office.
Verification of correct data entry is assured by using BLAISE system for data entry (commercial product of Netherlands statistics), where criteria for logical and consistency control are defined in advance.
- Nobody at home: 2,8%
- Eligible person is not home: 2,8%
- Refusal : 32,79%
- Given up after a minimum of two visits: 0,82%
- Other (excluded after control): 0,29%
- Finished: 60,5%
Use of the dataset must be acknowledged using a citation which would include:
- the Identification of the Primary Investigator
- the title of the survey (including country, acronym and year of implementation)
- the survey reference number
- the source and date of download
The user of the data acknowledges that the original collector of the data, the authorized distributor of the data, and the relevant funding agency bear no responsibility for use of the data or for interpretations or inferences based upon such uses.
World_Bank_BIH_FinLit_Survey
1. Variables P4 (Interviewer's name and surname) and P5 (Coordinator's name and surname) have been replaced by digits due to privacy protection reasons
2. Responses for Tables A to D have not been tracked in the dataset
3. For multiple choice questions, each selection made by the individual is saved as a unique variable. For instance, question P11 allowed for multiple choices and if a person selected 3 of the given options, each of his choice will be a saved as P11_1, P11_2 and P11_3 respectively. For the same question, if another person selected only two items, his choices will be saved under P11_1 and P11_2 while the third variable P11_3 will indicate a missing value (.). If the respondent answered the multiple response question with "Don't know", then only the first variable P11_1 will be accordingly coded (99). All the other multiple responses variables will be coded as a missing value (.) for this respondent.
4. The highest number of household members is 7. All variables (Age, Sex, Education, Financial products) which were supposed to capture information about household members 8-12 are therefore dropped from the dataset.
5. Variables which should capture information about the nationality of all household members (Nat_01-Nat_07) were not collected. Though, the variable Nat indicates the main respondent's ethnicity.
1036
341
Household ID
Household ID
Household ID
Household ID
Household ID
1036
1
1036
518.5
299.212
RIM_W. RIM Weights
RIM_W. RIM Weights
RIM_W. RIM Weights
RIM_W. RIM Weights
RIM_W. RIM Weights
1036
0.312
3.118
1
0.775
Exact time of the survey start: hour, minute
Exact time of the survey start: hour, minute
Exact time of the survey start: hour, minute
Exact time of the survey start: hour, minute
Exact time of the survey start: hour, minute
EXACT TIME OF THE SURVEY START: HOUR, MINUTE
1036
08:30:00
09:02:00
09:04:00
09:05:00
09:07:00
09:15:00
09:30:00
09:35:00
09:40:00
09:45:00
09:46:00
09:50:00
09:55:00
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10:00:00
10:02:00
10:05:00
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10:48:00
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10:53:00
10:55:00
10:57:00
10:58:00
11:00:00
11:01:00
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11:11:00
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12:00:00
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19:27:00
19:30:00
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20:00:00
20:05:00
20:15:00
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20:35:00
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21:05:00
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21:43:00
21:45:00
Ordinal number of the survey
Ordinal number of the survey
Ordinal number of the survey
Ordinal number of the survey
Ordinal number of the survey
ORDINAL NUMBER OF THE SURVEY
1036
1
2
3
4
5
6
7
8
9
10
Date of the survey
Date of the survey
Date of the survey
Date of the survey
Date of the survey
DATE OF SURVEY
1036
05052011
06052011
07052011
08052011
09052011
10052011
11052011
12052011
Interviewer's ID
Interviewer's ID
Interviewer's ID
Interviewer's ID
Interviewer's ID
INTERVIEWER'S NAME AND SURNAME
1036
1
505
32.503
24.178
Coordinators's ID
Coordinators's ID
Coordinators's ID
Coordinators's ID
Coordinators's ID
COORDINATOR'S NAME AND SURNAME
1036
1
2
3
4
5
6
Neighbourhood
Neighbourhood
Neighbourhood
Neighbourhood
Neighbourhood
NEIGHBOURHOOD
1036
1.MAJ
ARNAUTOVICI
BARE 2
BATKOVICI
BIJAKOVICI
BJELAVE 2
BOŽINCI
BRIJESNICA MALA
BRIJEŠCE 3
BRODUŠA
BUCICI
CEKRLIJE
CELOPEK
CENTAR 2
CENTAR 35
CERANI
CIGLANE 2A
CIRKIN POLJE 2
DEVETAK
DOBOROVCI 2
DOBRINJA C/7
DOBROPOLJE
DOLACA 1
DOM ŽELJEZNICARA
DONJA SANICA
DONJI BULETIC
DRAGOCAJ
GORNJA VIŠCA -1
GORNJE VIŠNJEVICE
GRAD LIJEVA OBALA 3
HRASNICA 2A
HRASTOVAC
ILOVACA
KALINSKA 2
KISELJAK 1
KLOBUK
KOLOBARA - DIO 1
KOVILJUŠE NOVO NASELJE
KRALJE
KULJANI
KUMARICA
LAZAREVO - 4
LIJEVCA
LJEŠEVO
LOPARE 2
LUŽANI
MAGLAJ 2
MEMICI
MEZGRAJA KOSE
MEÐAŠI
MIONICA - KAMBERI
MRAVINJAC
MUJKICI - DIO 1
MZ LIJEVA OBALA Š. BRIJEG 6
NIŠTAVCI
O.Š. VUK KARADŽIC 1
O.Š.ORGUZ
OBILICEVO - 11
OLIMPIJSKO SELO 1
ORAŠAC
ORLAC
OŠ "NIKOLA TESLA
OŠ GORNJA DUBICA 2
OŠ POTOCANI 2
OŠ VUK KARADŽIC
PAÐINE
PECIGRAD OSNOVNA ŠKOLA
PECKA
PERIN HAN 1
PODHUM 2
PODMILACJE
POFALICI 1-5
POLJE
POTUR MAHALA A I B
PRIJEÐEL
RADIO ROMANIJA
RAINCI DONJI
REKAVICE - 1
RUDNIK
SJETLINA KUCA VUKOVIC VELJKE
SLATINA 1
SLAVINOVICI 3
SNJEGOTINA DONJA
SREDNJA ŠKOLA
SREDNJOŠKOLSKI CENTAR 1
STARCEVICA - 7
STARO RADAKOVO 1
STIJENA OSNOVNA ŠKOLA
STUPSKO BRDO 1
TINJA
TRG HEROJA 7
TUŠCICA
UGLJEVIK SJEVER
VAREŠ 5
VLATKOVICI
VOGOŠCA 9
VOZUCA 1
VRATNIK4
ZABLECE
ŠI SELO 6
ŠVRAKINO SELO III/3
ŽABLJAK
ŽIVINICE GRAD - 5
Starting point code
Starting point code
Starting point code
Starting point code
Starting point code
STARTING POINT ADDRESS
1036
1 MAJ
ARNAUTOVICI BB
AUTOBUSKA STANICA
BARDAKCIJE 1
BARE
BATKOVICI BB
BIJAKOVICI BB
BIJAKOVII BB
BIJAKOVII BBB
BIJATOVICI BB
BOZINCI BB
BRACE POTKONJAKA 14
BRACE TURUDZIJE
BRACE TURURDZIJE
BRACE TURUZDIJE
BRDAKCIJE 1
BRIJESNICA BB
BRODUSA
BUCICI BB
CEKRLIJE BB
CELOPEK BB
CERANI BB
CERSKA
DJACKA BB
DOACA BB
DOBOROVCI BB
DOLACA BB
DOLCA BB
DOM ZELJEZNICARA
DONJA SANICA BB
DONJA SANICA BB
DONJI BULETIC BB
DRAGOCAJ BB
DUSANA RADOVICA 1
EMIA ZOLE 1
EMILA ZOLE 1
FA LUCIJANA KODRIA
FRA LUCIJANA KODRIA
FRA LUCIJANA KODRII
FRA LUCIJANA KORDICI
FRA LUCIJANA KORDIA
GOJKA SUSKA BB
GORNJA VISCA
GORNJA VISCA BB
GORNJE VISNJEVICE
GORNJE VISNJIVICE
ILIJE GARASANINA 3
ILOVACA BB
IZETA KARICICA BB
IZETA KARISICA BB
KALINSKA BB
KISELJAK BB
KLOBUK BB, PRODAVNICA ANITA
KOLO BARA
KOLOBARA
KONOBA SAN
KONOBE SAN
KRALJE BB
KSC
KULJANI
KULJANI BB
KUMARICA
LIJEVA OBALA
LJESEVO
LJEVARSKA
LOPARE 2
LOPARE2
LUZANI BB
M. ECIMOVICA
M.ECIMOVICA
M.EDIMOVICA
MAGISTRALNI PUT BB
MAGLAJ 2
MARKA ECIMOVICA
MEMICI BB
MEZGAJA KOSE BB.
MEZGRAJA BB.
MEZGRAJA KOSE
MEZGRAJA KOSE BB
MEZGRAJA KOSE BB.
MEÑAæI BB
MIONICA BB
MOST ZABLJAK
MRAVINJAC
MUJKIC
MUJKICI
NIKOLA PASICA
NIKOLE PASICA
NISTAVCI BB
O.S. GORNJA DUBICA
ODABASINA
ODOBASINA
OLIMPIJSKA 1
ORAC
ORASAC BB
ORGUZ BB
ORLA
ORLAC
OSOJE BB
PADJINE
PECIGRAD BB
PECKA
PECKA BB
PERIN HAN 1
POCINA 1
PODJINE
POLJA BB
POLJE BB
PORCINA 1
POTOCANI BB
POTUR MAHALA
POVEZICE BB
POVEZIVE BB
PRIJEDJEL BB
PRINCEVA DZAMIJA
R. BOSKOVICA
RACANSKA BB
RAINCI BB
RALUCIJANA KORDIA
REKAVICE BB
REVOLUCIJANA KODRIA
RUDJERA BOSKOVICA
RUDNIK BB
RUDNIKBB
S. HAD¦IA
SAFETA HAD¦IA
SEHITLUCI
SEHITLUCI BB
SJETLICA BB
SJETLINA BB
SLATINA BB
SLAVINOVICI
SNJEGOTINA DONJA BB
STARO RADAKOVO
SVETOG SAVE 2
SVETOG SAVE BB
SVJETLINA BB
TINJA BB
TNJA BB
TRG HEROJA 1
TUSCICA
TVORNCKA 4A
TVORNICKA 4A
TVORNI¬KA 4 A
UL.CILILA I METODIJA BB
UL.CIRILA I METODIJA BB
VLATKOVICI BB
VLATKOVICI BB.
VOGOSCA
VOZUA BB
VOZUA BBB
Z.D.R
Z.D.R.
ZABLECE BB
ZASTINJE BB
ZLJEVICE BB
ZRTAVA DOMOVINSKOG RATA
djacka bb
starting point code
starting point code
starting point code
starting point code
starting point code
STARTING POINT CODE
1036
1
104
52.513
30.038
Type of settlement
Type of settlement
Type of settlement
Type of settlement
Type of settlement
TYPE OF SETTLEMENT
1036
1
village
2
city
Settlement size
Settlement size
Settlement size
Settlement size
Settlement size
SETTLEMENT SIZE
1036
1
up to 2000 inhabitants
2
2 001 – 10 000 inhabitants
3
10 001 – 100 000 inhabitants
4
100 001 and more inhabitants
Region
Region
Region
Region
Region
REGION
1036
1
Una-Sana Canton
2
Zenica-Doboj Canton
3
Tuzla Canton
4
Central Bosnia Canton
5
Herzegovina-Neretva Canton
6
West Herzegovina Canton
7
Canton Sarajevo
8
Canton 10
9
North RS
10
East RS
11
Posavina Canton
12
Bosnia Podrinje Canton
13
District Brcko
Entity
Entity
Entity
Entity
Entity
1036
1
FBiH
2
RS & District Brcko
O1. Note down the number of people that you contacted from the last conducted int
O1. Note down the number of people that you contacted from the last conducted int
O1. Note down the number of people that you contacted from the last conducted int
O1. Note down the number of people that you contacted from the last conducted int
O1. Note down the number of people that you contacted from the last conducted int
Note down the number of people that you contacted from the last conducted interview until this one and who have refused to take part in the survey?
1036
1
2
3
4
5
9
10
O2_1x1. Too busy, has no time, has other obligations (No. of people)
O2_1x1. Too busy, has no time, has other obligations (No. of people)
O2_1x1. Too busy, has no time, has other obligations (No. of people)
O2_1x1. Too busy, has no time, has other obligations (No. of people)
O2_1x1. Too busy, has no time, has other obligations (No. of people)
Reasons of refusal (No. of persons): Too busy, has no time, has other obligations
338
698
1
2
3
4
5
Sysmiss
O2_1x2. Poor health condition (No. of people)
O2_1x2. Poor health condition (No. of people)
O2_1x2. Poor health condition (No. of people)
O2_1x2. Poor health condition (No. of people)
O2_1x2. Poor health condition (No. of people)
Reasons of refusal (No. of persons): Poor health condition
338
698
1
2
4
Sysmiss
O2_1x3. Not competent, doesn't know, doesn't want to talk (No. of people)
O2_1x3. Not competent, doesn't know, doesn't want to talk (No. of people)
O2_1x3. Not competent, doesn't know, doesn't want to talk (No. of people)
O2_1x3. Not competent, doesn't know, doesn't want to talk (No. of people)
O2_1x3. Not competent, doesn't know, doesn't want to talk (No. of people)
Reasons of refusal (No. of persons): Not competent, does not know anything, does not want to talk about the topic
338
698
98
0.553
5.342
O2_1x4. Expresses fear, doesn't want to intrude on his privacy (No. of people)
O2_1x4. Expresses fear, doesn't want to intrude on his privacy (No. of people)
O2_1x4. Expresses fear, doesn't want to intrude on his privacy (No. of people)
O2_1x4. Expresses fear, doesn't want to intrude on his privacy (No. of people)
O2_1x4. Expresses fear, doesn't want to intrude on his privacy (No. of people)
Reasons of refusal (No. of persons): Expresses fear, does not want to intrude on his privacy
338
698
1
2
3
Sysmiss
O2_1x5. Has already been surveyed, does not trust surveys…etc (No. of people)
O2_1x5. Has already been surveyed, does not trust surveys…etc (No. of people)
O2_1x5. Has already been surveyed, does not trust surveys…etc (No. of people)
O2_1x5. Has already been surveyed, does not trust surveys…etc (No. of people)
O2_1x5. Has already been surveyed, does not trust surveys…etc (No. of people)
Reasons of refusal (No. of persons): Has already been surveyed, does not trust surveys…etc
338
698
98
0.349
5.333
O2_1x6. Other (No. of people)
O2_1x6. Other (No. of people)
O2_1x6. Other (No. of people)
O2_1x6. Other (No. of people)
O2_1x6. Other (No. of people)
Reasons of refusal (No. of persons): Other
338
698
98
0.296
5.331
O2x2. Gender of the person who has refused: Male (No. of people)
O2x2. Gender of the person who has refused: Male (No. of people)
O2x2. Gender of the person who has refused: Male (No. of people)
O2x2. Gender of the person who has refused: Male (No. of people)
O2x2. Gender of the person who has refused: Male (No. of people)
Gender of the person who has refused (No. of persons): male
338
698
1
2
3
4
Sysmiss
O2x2. Gender of the person who has refused: Female (No. of people)
O2x2. Gender of the person who has refused: Female (No. of people)
O2x2. Gender of the person who has refused: Female (No. of people)
O2x2. Gender of the person who has refused: Female (No. of people)
O2x2. Gender of the person who has refused: Female (No. of people)
Gender of the person who has refused (No. of persons): female
338
698
1
2
3
4
5
7
Sysmiss
O2x3. Age of the person who has refused: Up to 30 years (No. of people)
O2x3. Age of the person who has refused: Up to 30 years (No. of people)
O2x3. Age of the person who has refused: Up to 30 years (No. of people)
O2x3. Age of the person who has refused: Up to 30 years (No. of people)
O2x3. Age of the person who has refused: Up to 30 years (No. of people)
Age of the person who has refused (No. of persons): Up to 30 years
338
698
1
2
4
Sysmiss
O2x3. Age of the person who has refused: 31 - 50 years (No. of people)
O2x3. Age of the person who has refused: 31 - 50 years (No. of people)
O2x3. Age of the person who has refused: 31 - 50 years (No. of people)
O2x3. Age of the person who has refused: 31 - 50 years (No. of people)
O2x3. Age of the person who has refused: 31 - 50 years (No. of people)
Age of the person who has refused (No. of persons): 31 - 50 years
338
698
1
2
3
4
Sysmiss
O2x3. Age of the person who has refused: 50 years or more (No. of people)
O2x3. Age of the person who has refused: 50 years or more (No. of people)
O2x3. Age of the person who has refused: 50 years or more (No. of people)
O2x3. Age of the person who has refused: 50 years or more (No. of people)
O2x3. Age of the person who has refused: 50 years or more (No. of people)
Age of the person who has refused (No. of persons): 51 y. or more
338
698
1
2
3
4
Sysmiss
O3. In between the last interview and this one, how many addresses have you been
O3. In between the last interview and this one, how many addresses have you been
O3. In between the last interview and this one, how many addresses have you been
O3. In between the last interview and this one, how many addresses have you been
O3. In between the last interview and this one, how many addresses have you been
In between the last interview and this one, how many addresses have you been to AT LEAST two or more times but you have never found anybody at home and have decided to give up on attempting to contact them ?
1036
1
2
3
6
9
13
P1. In general, how satisfied are you with your life nowadays?
P1. In general, how satisfied are you with your life nowadays?
P1. In general, how satisfied are you with your life nowadays?
P1. In general, how satisfied are you with your life nowadays?
P1. In general, how satisfied are you with your life nowadays?
In general, how satisfied are you with your life nowadays?
1036
1
Very dissatisfied
2
Rather dissatisfied
3
Rather satisfied
4
Very satisfied
9
Don’t know
P2. How do you think your life is going to be over the next 12 months?
P2. How do you think your life is going to be over the next 12 months?
P2. How do you think your life is going to be over the next 12 months?
P2. How do you think your life is going to be over the next 12 months?
P2. How do you think your life is going to be over the next 12 months?
How do you think your life is going to be over the next 12 months?
1036
1
Much worse
2
Worse
3
The same
4
Better
5
Much better
9
Don’t know
P3a. How often do you...Read the newspapers sold in the whole entity/state
P3a. How often do you...Read the newspapers sold in the whole entity/state
P3a. How often do you...Read the newspapers sold in the whole entity/state
P3a. How often do you...Read the newspapers sold in the whole entity/state
P3a. How often do you...Read the newspapers sold in the whole entity/state
How often do you… (for print media): Read the newspapers sold on the territory of the whole entity or the state?
1036
Never
1
Once a month or less
2
Several times a month
3
Several times a week
4
Daily
P3b. How often do you...Read the local/regional or cantonal newspapers
P3b. How often do you...Read the local/regional or cantonal newspapers
P3b. How often do you...Read the local/regional or cantonal newspapers
P3b. How often do you...Read the local/regional or cantonal newspapers
P3b. How often do you...Read the local/regional or cantonal newspapers
How often do you… (for print media): Read the local/regional or cantonal newspapers?
1036
Never
1
Once a month or less
2
Several times a month
3
Several times a week
4
Daily
P3c. How often do you...Listen to radio stations broadcasted on whole entity/sta
P3c. How often do you...Listen to radio stations broadcasted on whole entity/sta
P3c. How often do you...Listen to radio stations broadcasted on whole entity/sta
P3c. How often do you...Listen to radio stations broadcasted on whole entity/sta
P3c. How often do you...Listen to radio stations broadcasted on whole entity/sta
How often do you… (for electronic media): Listen to radio stations broadcasted on the territory of the whole entity or the state?
1036
Never
1
Once or week or less often
2
Several hours a week
3
1 to 2 hours per day
4
3 or more hours per day
P3d. How often do you...Listen to local or regional/cantonal radio stations
P3d. How often do you...Listen to local or regional/cantonal radio stations
P3d. How often do you...Listen to local or regional/cantonal radio stations
P3d. How often do you...Listen to local or regional/cantonal radio stations
P3d. How often do you...Listen to local or regional/cantonal radio stations
How often do you… (for electronic media): Listen to local or regional/cantonal radio stations?
1036
Never
1
Once or week or less often
2
Several hours a week
3
1 to 2 hours per day
4
3 or more hours per day
P3e. How often do you...Watch entity TV programs or the state public service
P3e. How often do you...Watch entity TV programs or the state public service
P3e. How often do you...Watch entity TV programs or the state public service
P3e. How often do you...Watch entity TV programs or the state public service
P3e. How often do you...Watch entity TV programs or the state public service
How often do you… (for electronic media): Watch the entity TV programs or the state public service?
1036
Never
1
Once or week or less often
2
Several hours a week
3
1 to 2 hours per day
4
3 or more hours per day
P3f. Watch the local/regional or cantonal TV programs
P3f. Watch the local/regional or cantonal TV programs
P3f. Watch the local/regional or cantonal TV programs
P3f. Watch the local/regional or cantonal TV programs
P3f. Watch the local/regional or cantonal TV programs
How often do you… (for electronic media): Watch the local/regional or cantonal TV programs
1036
Never
1
Once or week or less often
2
Several hours a week
3
1 to 2 hours per day
4
3 or more hours per day
P4a. Can you use a computer?
P4a. Can you use a computer?
P4a. Can you use a computer?
P4a. Can you use a computer?
P4a. Can you use a computer?
Can you use a computer?
1036
1
Yes
2
No
P4b. How often do you use the Internet including e-mail (electronic mail)
P4b. How often do you use the Internet including e-mail (electronic mail)
P4b. How often do you use the Internet including e-mail (electronic mail)
P4b. How often do you use the Internet including e-mail (electronic mail)
P4b. How often do you use the Internet including e-mail (electronic mail)
How often do you use the Internet including e-mail (electronic mail)?
598
438
Never
1
Once a month or less
2
Several times a month
3
Several times a week
4
Daily
Sysmiss
P4c. How often do you read news at Internet portals
P4c. How often do you read news at Internet portals
P4c. How often do you read news at Internet portals
P4c. How often do you read news at Internet portals
P4c. How often do you read news at Internet portals
How often do you read news at Internet portals ?
598
438
Never
1
Once a month or less
2
Several times a month
3
Several times a week
4
Daily
Sysmiss
P5a. How much do you trust…Central Bank of BiH
P5a. How much do you trust…Central Bank of BiH
P5a. How much do you trust…Central Bank of BiH
P5a. How much do you trust…Central Bank of BiH
P5a. How much do you trust…Central Bank of BiH
How much do you trust the following institutions? Please let me know if you are not familiar with any of these institutions
Central Bank of BiH
1036
1
Very little
2
Little
3
Average
4
Much
5
Very much
8
Never heard
9
Don’t know
P5b. How much do you trust…BiH commercial banks
P5b. How much do you trust…BiH commercial banks
P5b. How much do you trust…BiH commercial banks
P5b. How much do you trust…BiH commercial banks
P5b. How much do you trust…BiH commercial banks
How much do you trust the following institutions? Please let me know if you are not familiar with any of these institutions
BiH commercial banks
1036
1
Very little
2
Little
3
Average
4
Much
5
Very much
8
Never heard
9
Don’t know
P5c. How much do you trust…Insurance companies
P5c. How much do you trust…Insurance companies
P5c. How much do you trust…Insurance companies
P5c. How much do you trust…Insurance companies
P5c. How much do you trust…Insurance companies
How much do you trust the following institutions? Please let me know if you are not familiar with any of these institutions
Insurance companies
1036
1
Very little
2
Little
3
Average
4
Much
5
Very much
8
Never heard
9
Don’t know
P5d. How much do you trust…Brokerage Houses
P5d. How much do you trust…Brokerage Houses
P5d. How much do you trust…Brokerage Houses
P5d. How much do you trust…Brokerage Houses
P5d. How much do you trust…Brokerage Houses
How much do you trust the following institutions? Please let me know if you are not familiar with any of these institutions
Brokerage houses
1036
1
Very little
2
Little
3
Average
4
Much
5
Very much
8
Never heard
9
Don’t know
P5e. How much do you trust…Microcredit organizations
P5e. How much do you trust…Microcredit organizations
P5e. How much do you trust…Microcredit organizations
P5e. How much do you trust…Microcredit organizations
P5e. How much do you trust…Microcredit organizations
How much do you trust the following institutions? Please let me know if you are not familiar with any of these institutions
Microcredit organizations
1036
1
Very little
2
Little
3
Average
4
Much
5
Very much
8
Never heard
9
Don’t know
P5f. How much do you trust…Leasing companies
P5f. How much do you trust…Leasing companies
P5f. How much do you trust…Leasing companies
P5f. How much do you trust…Leasing companies
P5f. How much do you trust…Leasing companies
How much do you trust the following institutions? Please let me know if you are not familiar with any of these institutions
Leasing companies
1036
1
Very little
2
Little
3
Average
4
Much
5
Very much
8
Never heard
9
Don’t know
P5g. How much do you trust…Deposit Insurance Agency
P5g. How much do you trust…Deposit Insurance Agency
P5g. How much do you trust…Deposit Insurance Agency
P5g. How much do you trust…Deposit Insurance Agency
P5g. How much do you trust…Deposit Insurance Agency
How much do you trust the following institutions? Please let me know if you are not familiar with any of these institutions
Deposit Insurance Agency
1036
1
Very little
2
Little
3
Average
4
Much
5
Very much
8
Never heard
9
Don’t know
P5h. How much do you trust…Banking Agency of FBiH/RS
P5h. How much do you trust…Banking Agency of FBiH/RS
P5h. How much do you trust…Banking Agency of FBiH/RS
P5h. How much do you trust…Banking Agency of FBiH/RS
P5h. How much do you trust…Banking Agency of FBiH/RS
How much do you trust the following institutions? Please let me know if you are not familiar with any of these institutions
Banking Agency of FBiH/RS
1036
1
Very little
2
Little
3
Average
4
Much
5
Very much
8
Never heard
9
Don’t know
P5i. How much do you trust…Securities Commission of FBiH/RS
P5i. How much do you trust…Securities Commission of FBiH/RS
P5i. How much do you trust…Securities Commission of FBiH/RS
P5i. How much do you trust…Securities Commission of FBiH/RS
P5i. How much do you trust…Securities Commission of FBiH/RS
How much do you trust the following institutions? Please let me know if you are not familiar with any of these institutions
Securities Commission of FBiH/RS
1036
1
Very little
2
Little
3
Average
4
Much
5
Very much
8
Never heard
9
Don’t know
P5j. How much do you trust…The Consumer Protection Ombudsman Institution in BiH
P5j. How much do you trust…The Consumer Protection Ombudsman Institution in BiH
P5j. How much do you trust…The Consumer Protection Ombudsman Institution in BiH
P5j. How much do you trust…The Consumer Protection Ombudsman Institution in BiH
P5j. How much do you trust…The Consumer Protection Ombudsman Institution in BiH
How much do you trust the following institutions? Please let me know if you are not familiar with any of these institutions
The Consumer Protection Ombudsman Institution in BiH
1036
1
Very little
2
Little
3
Average
4
Much
5
Very much
8
Never heard
9
Don’t know
P5k. How much do you trust…Convertible Mark, the national currency
P5k. How much do you trust…Convertible Mark, the national currency
P5k. How much do you trust…Convertible Mark, the national currency
P5k. How much do you trust…Convertible Mark, the national currency
P5k. How much do you trust…Convertible Mark, the national currency
How much do you trust the following institutions? Please let me know if you are not familiar with any of these institutions
Convertible Mark, the national currency
1036
1
Very little
2
Little
3
Average
4
Much
5
Very much
8
Never heard
9
Don’t know
P5l. How much do you trust…Fund management companies
P5l. How much do you trust…Fund management companies
P5l. How much do you trust…Fund management companies
P5l. How much do you trust…Fund management companies
P5l. How much do you trust…Fund management companies
How much do you trust the following institutions? Please let me know if you are not familiar with any of these institutions
Fund management companies
1036
1
Very little
2
Little
3
Average
4
Much
5
Very much
8
Never heard
9
Don’t know
P6a. Assess the quality of financial services offered by…Commercial banks
P6a. Assess the quality of financial services offered by…Commercial banks
P6a. Assess the quality of financial services offered by…Commercial banks
P6a. Assess the quality of financial services offered by…Commercial banks
P6a. Assess the quality of financial services offered by…Commercial banks
Generally, how would you assess the quality of financial services offered by the following institutions in BiH - Commercial banks
1036
1
Very bad
2
Bad
3
Fair
4
Good
5
Very good
9
Don’t know
P6b. Assess the quality of financial services offered by…Insurance companies
P6b. Assess the quality of financial services offered by…Insurance companies
P6b. Assess the quality of financial services offered by…Insurance companies
P6b. Assess the quality of financial services offered by…Insurance companies
P6b. Assess the quality of financial services offered by…Insurance companies
Generally, how would you assess the quality of financial services offered by the following institutions in BiH - Insurance companies
1036
1
Very bad
2
Bad
3
Fair
4
Good
5
Very good
9
Don’t know
P6c. Assess the quality of financial services offered by…Microcredit organizatio
P6c. Assess the quality of financial services offered by…Microcredit organizatio
P6c. Assess the quality of financial services offered by…Microcredit organizatio
P6c. Assess the quality of financial services offered by…Microcredit organizatio
P6c. Assess the quality of financial services offered by…Microcredit organizatio
Generally, how would you assess the quality of financial services offered by the following institutions in BiH - Microcredit organizations
1036
1
Very bad
2
Bad
3
Fair
4
Good
5
Very good
9
Don’t know
P6d. Assess the quality of financial services offered by…Brokerage Houses
P6d. Assess the quality of financial services offered by…Brokerage Houses
P6d. Assess the quality of financial services offered by…Brokerage Houses
P6d. Assess the quality of financial services offered by…Brokerage Houses
P6d. Assess the quality of financial services offered by…Brokerage Houses
Generally, how would you assess the quality of financial services offered by the following institutions in BiH - Brokerage houses
1036
1
Very bad
2
Bad
3
Fair
4
Good
5
Very good
9
Don’t know
P7a. In a conflict with a fin. org....How sure are you in a quick resolution
P7a. In a conflict with a fin. org....How sure are you in a quick resolution
P7a. In a conflict with a fin. org....How sure are you in a quick resolution
P7a. In a conflict with a fin. org....How sure are you in a quick resolution
P7a. In a conflict with a fin. org....How sure are you in a quick resolution
If a conflict with a financial organization (bank, insurance company or the like) arises regarding the provision of financial services to you, how sure are you in the quick and just resolution of the dispute? How sure are you in a quick resolution
1036
1
I am not at all sure
2
I am not quite sure
3
Fifty-fifty
4
I am rather sure
5
I am completely sure
9
Don’t know
P7b. In a conflict with a fin. org....How sure are you in a just resolution
P7b. In a conflict with a fin. org....How sure are you in a just resolution
P7b. In a conflict with a fin. org....How sure are you in a just resolution
P7b. In a conflict with a fin. org....How sure are you in a just resolution
P7b. In a conflict with a fin. org....How sure are you in a just resolution
If a conflict with a financial organization (bank, insurance company or the like) arises regarding the provision of financial services to you, how sure are you in the quick and just resolution of the dispute? How sure are you in a just dispute resolution
1036
1
I am not at all sure
2
I am not quite sure
3
Fifty-fifty
4
I am rather sure
5
I am completely sure
9
Don’t know
P8. What deserves primary attention when one chooses the bank to take a loan fro
P8. What deserves primary attention when one chooses the bank to take a loan fro
P8. What deserves primary attention when one chooses the bank to take a loan fro
P8. What deserves primary attention when one chooses the bank to take a loan fro
P8. What deserves primary attention when one chooses the bank to take a loan fro
What do you think deserves primary attention when one chooses the bank to take a loan from?
One answer only
1036
1
Bank’s reputation (fame)
2
Appearance of the bank office
3
The treatment of clients by the bank’s personnel
4
Loan interest rates and costs
5
Gifts and advertising campaigns
9
Don’t know
P9. If you considered taking a loan from a bank, what would you prefer?
P9. If you considered taking a loan from a bank, what would you prefer?
P9. If you considered taking a loan from a bank, what would you prefer?
P9. If you considered taking a loan from a bank, what would you prefer?
P9. If you considered taking a loan from a bank, what would you prefer?
If you considered taking a loan from a bank, what would you prefer?
Do not read answer 3
1036
1
Loan in KM
2
A loan in a foreign currency
3
Loan in KM with currency clause
4
I wouldn't take any loan
9
Don't know
P10. When taking a loan from a bank, what would you give more importance to...?
P10. When taking a loan from a bank, what would you give more importance to...?
P10. When taking a loan from a bank, what would you give more importance to...?
P10. When taking a loan from a bank, what would you give more importance to...?
P10. When taking a loan from a bank, what would you give more importance to...?
When taking a loan from a bank, what would you give more importance to...?
Do not read answer 4
1036
1
Fees charged by the bank
2
Loan interest rates
3
Means of securing /providing collateral for the loan
4
Loan repayment period
5
I wouldn’t take any loan
9
Don’t know
P11. When do you think buying on credit is justified?
P11. When do you think buying on credit is justified?
P11. When do you think buying on credit is justified?
P11. When do you think buying on credit is justified?
P11. When do you think buying on credit is justified?
When do you think buying on credit is justified?
Here the credit refers to the use of a credit card, the use of a consumer credit or buying on credit (informally - „pe caiet") from a shop. Multiple answers possible.Read out.
1036
1
If a shop has sales for the goods you need
2
If a person needs to pay for education which would allow ...
3
If a person really needs a vacation but does not have ...
4
Other, namely
5
I wouldn’t buy on credit in any circumstance – Do not read
6
health problems
7
with large investments
8
buying an apartment
9
Don’t know
10
own business
11
buying immovable property
12
buying a car
13
Buying Firewood
14
Improve living conditions
P11. When do you think buying on credit is justified?
P11. When do you think buying on credit is justified?
P11. When do you think buying on credit is justified?
P11. When do you think buying on credit is justified?
P11. When do you think buying on credit is justified?
When do you think buying on credit is justified?
Here the credit refers to the use of a credit card, the use of a consumer credit or buying on credit (informally - „pe caiet") from a shop. Multiple answers possible.Read out.
185
851
1
If a shop has sales for the goods you need
2
If a person needs to pay for education which would allow ...
3
If a person really needs a vacation but does not have ...
4
Other, namely
5
I wouldn’t buy on credit in any circumstance – Do not read
6
health problems
7
with large investments
8
buying an apartment
9
Don’t know
10
own business
11
buying immovable property
12
buying a car
13
Buying Firewood
14
Improve living conditions
Sysmiss
P11. When do you think buying on credit is justified?
P11. When do you think buying on credit is justified?
P11. When do you think buying on credit is justified?
P11. When do you think buying on credit is justified?
P11. When do you think buying on credit is justified?
When do you think buying on credit is justified?
Here the credit refers to the use of a credit card, the use of a consumer credit or buying on credit (informally - „pe caiet") from a shop. Multiple answers possible.Read out.
26
1010
1
If a shop has sales for the goods you need
2
If a person needs to pay for education which would allow ...
3
If a person really needs a vacation but does not have ...
4
Other, namely
5
I wouldn’t buy on credit in any circumstance – Do not read
6
health problems
7
with large investments
8
buying an apartment
9
Don’t know
10
own business
11
buying immovable property
12
buying a car
13
Buying Firewood
14
Improve living conditions
Sysmiss
P11. When do you think buying on credit is justified?
P11. When do you think buying on credit is justified?
P11. When do you think buying on credit is justified?
P11. When do you think buying on credit is justified?
P11. When do you think buying on credit is justified?
When do you think buying on credit is justified?
Here the credit refers to the use of a credit card, the use of a consumer credit or buying on credit (informally - „pe caiet") from a shop. Multiple answers possible.Read out.
2
1034
1
If a shop has sales for the goods you need
2
If a person needs to pay for education which would allow ...
3
If a person really needs a vacation but does not have ...
4
Other, namely
5
I wouldn’t buy on credit in any circumstance – Do not read
6
health problems
7
with large investments
8
buying an apartment
9
Don’t know
10
own business
11
buying immovable property
12
buying a car
13
Buying Firewood
14
Improve living conditions
Sysmiss
P12a. Do you follow...Changes in the property market
P12a. Do you follow...Changes in the property market
P12a. Do you follow...Changes in the property market
P12a. Do you follow...Changes in the property market
P12a. Do you follow...Changes in the property market
Do you follow any of the following trends personally?
Changes in the property market
1036
1
Yes
2
No
P13a. What is the main source of information:
P13a. What is the main source of information:
P13a. What is the main source of information:
P13a. What is the main source of information:
P13a. What is the main source of information:
If the answer is Yes in P12
What is the main source of information?
Changes in the property market
ONE ANSWER ONLY
176
860
1
Advertising
2
News in media
3
Specialized web sites
4
Bank officers, employees of insurance and management ...
5
Independent financial consultants or brokers
6
Friends and acquaintances
Sysmiss
P12b. Do you follow...Changes in market indices
P12b. Do you follow...Changes in market indices
P12b. Do you follow...Changes in market indices
P12b. Do you follow...Changes in market indices
P12b. Do you follow...Changes in market indices
Do you follow any of the following trends personally?
Changes in market indices
1036
1
Yes
2
No
P13b. What is the main source of information:
P13b. What is the main source of information:
P13b. What is the main source of information:
P13b. What is the main source of information:
P13b. What is the main source of information:
If the answer is Yes in P12
What is the main source of information?
Changes in market indices
ONE ANSWER ONLY
96
940
1
Advertising
2
News in media
3
Specialized web sites
4
Bank officers, employees of insurance and management ...
5
Independent financial consultants or brokers
6
Friends and acquaintances
Sysmiss
P12c. Do you follow...Changes of deposit interest rates
P12c. Do you follow...Changes of deposit interest rates
P12c. Do you follow...Changes of deposit interest rates
P12c. Do you follow...Changes of deposit interest rates
P12c. Do you follow...Changes of deposit interest rates
Do you follow any of the following trends personally? Changes of deposit interest rates
1036
1
Yes
2
No
P13c. What is the main source of information:
P13c. What is the main source of information:
P13c. What is the main source of information:
P13c. What is the main source of information:
P13c. What is the main source of information:
If the answer is Yes in P12
What is the main source of information? Changes of deposit interest rates
ONE ANSWER ONLY
183
853
1
Advertising
2
News in media
3
Specialized web sites
4
Bank officers, employees of insurance and management ...
5
Independent financial consultants or brokers
6
Friends and acquaintances
Sysmiss
P12d. Do you follow...Changes of loan interest rates
P12d. Do you follow...Changes of loan interest rates
P12d. Do you follow...Changes of loan interest rates
P12d. Do you follow...Changes of loan interest rates
P12d. Do you follow...Changes of loan interest rates
Do you follow any of the following trends personally? Changes of loan interest rates
1036
1
Yes
2
No
P13d. What is the main source of information:
P13d. What is the main source of information:
P13d. What is the main source of information:
P13d. What is the main source of information:
P13d. What is the main source of information:
If the answer is Yes in P12
What is the main source of information? Changes of loan interest rates
ONE ANSWER ONLY
369
667
1
Advertising
2
News in media
3
Specialized web sites
4
Bank officers, employees of insurance and management ...
5
Independent financial consultants or brokers
6
Friends and acquaintances
Sysmiss
P12e. Do you follow...Changes in the inflation rate
P12e. Do you follow...Changes in the inflation rate
P12e. Do you follow...Changes in the inflation rate
P12e. Do you follow...Changes in the inflation rate
P12e. Do you follow...Changes in the inflation rate
Do you follow any of the following trends personally? Changes in the inflation rate
1036
1
Yes
2
No
P13e. What is the main source of information:
P13e. What is the main source of information:
P13e. What is the main source of information:
P13e. What is the main source of information:
P13e. What is the main source of information:
If the answer is Yes in P12
What is the main source of information? Changes in the inflation rate
ONE ANSWER ONLY
254
782
1
Advertising
2
News in media
3
Specialized web sites
4
Bank officers, employees of insurance and management ...
5
Independent financial consultants or brokers
6
Friends and acquaintances
Sysmiss
P12f. Do you follow...Changes in pensions, benefits and tax exemptions
P12f. Do you follow...Changes in pensions, benefits and tax exemptions
P12f. Do you follow...Changes in pensions, benefits and tax exemptions
P12f. Do you follow...Changes in pensions, benefits and tax exemptions
P12f. Do you follow...Changes in pensions, benefits and tax exemptions
Do you follow any of the following trends personally? Changes in pensions, benefits and tax exemptions
1036
1
Yes
2
No
P13f. What is the main source of information:
P13f. What is the main source of information:
P13f. What is the main source of information:
P13f. What is the main source of information:
P13f. What is the main source of information:
If the answer is Yes in P12
What is the main source of information? Changes in pensions, benefits and tax exemptions
ONE ANSWER ONLY
484
552
1
Advertising
2
News in media
3
Specialized web sites
4
Bank officers, employees of insurance and management ...
5
Independent financial consultants or brokers
6
Friends and acquaintances
Sysmiss
P12g. Do you follow...Price fluctuations for oil, gold, metals, etc.
P12g. Do you follow...Price fluctuations for oil, gold, metals, etc.
P12g. Do you follow...Price fluctuations for oil, gold, metals, etc.
P12g. Do you follow...Price fluctuations for oil, gold, metals, etc.
P12g. Do you follow...Price fluctuations for oil, gold, metals, etc.
Do you follow any of the following trends personally? Price fluctuations for oil, gold, metals, etc.
1036
1
Yes
2
No
P13g. What is the main source of information:
P13g. What is the main source of information:
P13g. What is the main source of information:
P13g. What is the main source of information:
P13g. What is the main source of information:
If the answer is Yes in P12
What is the main source of information? Price fluctuations for oil, gold, metals, etc.
ONE ANSWER ONLY
445
591
1
Advertising
2
News in media
3
Specialized web sites
4
Bank officers, employees of insurance and management ...
5
Independent financial consultants or brokers
6
Friends and acquaintances
Sysmiss
P14. Are you aware of the activities of the Consumer Protection Ombudsman Institu
P14. Are you aware of the activities of the Consumer Protection Ombudsman Institu
P14. Are you aware of the activities of the Consumer Protection Ombudsman Institu
P14. Are you aware of the activities of the Consumer Protection Ombudsman Institu
P14. Are you aware of the activities of the Consumer Protection Ombudsman Institu
Are you aware of the activities of the Consumer Protection Ombudsman Institution concerning the services offered by banks?
1036
1
Yes
2
No
9
Don't know
P15a. How often did you...Bank officers or bankers
P15a. How often did you...Bank officers or bankers
P15a. How often did you...Bank officers or bankers
P15a. How often did you...Bank officers or bankers
P15a. How often did you...Bank officers or bankers
In the last 12 months, did you have personal contacts or contacts by phone - and how often - with...? Bank officers or bankers
1036
Never
1
Once a year
2
Once in 6 months
3
Once in 2 or 3 months
4
Once a month
5
Several times a month
P15b. How often did you...Representatives of insurance companies
P15b. How often did you...Representatives of insurance companies
P15b. How often did you...Representatives of insurance companies
P15b. How often did you...Representatives of insurance companies
P15b. How often did you...Representatives of insurance companies
In the last 12 months, did you have personal contacts or contacts by phone - and how often - with...? Representatives of insurance companies
1036
Never
1
Once a year
2
Once in 6 months
3
Once in 2 or 3 months
4
Once a month
5
Several times a month
P15c. How often did you...Representatives of the brokerage houses
P15c. How often did you...Representatives of the brokerage houses
P15c. How often did you...Representatives of the brokerage houses
P15c. How often did you...Representatives of the brokerage houses
P15c. How often did you...Representatives of the brokerage houses
In the last 12 months, did you have personal contacts or contacts by phone - and how often - with...? Representatives of the brokerage houses
1036
Never
1
Once a year
2
Once in 6 months
3
Once in 2 or 3 months
4
Once a month
5
Several times a month
P15d. How often did you...Independent financial advisers or brokers
P15d. How often did you...Independent financial advisers or brokers
P15d. How often did you...Independent financial advisers or brokers
P15d. How often did you...Independent financial advisers or brokers
P15d. How often did you...Independent financial advisers or brokers
In the last 12 months, did you have personal contacts or contacts by phone - and how often - with...? Independent financial advisers or brokers
1036
Never
1
Once a year
2
Once in 6 months
3
Once in 2 or 3 months
4
Once a month
5
Several times a month
P15e. How often did you...Representatives of microcredit organizations
P15e. How often did you...Representatives of microcredit organizations
P15e. How often did you...Representatives of microcredit organizations
P15e. How often did you...Representatives of microcredit organizations
P15e. How often did you...Representatives of microcredit organizations
In the last 12 months, did you have personal contacts or contacts by phone - and how often - with...? .Representatives of microcredit organizations
1036
Never
1
Once a year
2
Once in 6 months
3
Once in 2 or 3 months
4
Once a month
5
Several times a month
P16. When you meet your relatives, colleagues, friends, how often do you talk abo
P16. When you meet your relatives, colleagues, friends, how often do you talk abo
P16. When you meet your relatives, colleagues, friends, how often do you talk abo
P16. When you meet your relatives, colleagues, friends, how often do you talk abo
P16. When you meet your relatives, colleagues, friends, how often do you talk abo
When you meet your relatives, colleagues, friends, how often do you talk about financial institutions and services?
1036
Never
1
Once a month or less
2
Several times a month
3
Several times a week
4
Daily
P17_1. Which of the following...most suitable to deliver financial literacy
P17_1. Which of the following...most suitable to deliver financial literacy
P17_1. Which of the following...most suitable to deliver financial literacy
P17_1. Which of the following...most suitable to deliver financial literacy
P17_1. Which of the following...most suitable to deliver financial literacy
Which of the following organizations do you see as the most suitable to deliver financial literacy program in BiH? C
hoose up to 3 answers
1036
1
Commercial banks
2
Insurance companies
3
Investment fund management companies
4
Non-government organizations or public institutions ...
5
Government entities regulating these markets
6
Higher education institutions for economics and finance
7
Independent financial consultants
8
Mass media (journalists and TV presenters)
9
Other
99
Don’t know
P17_2. Which of the following...most suitable to deliver financial literacy
P17_2. Which of the following...most suitable to deliver financial literacy
P17_2. Which of the following...most suitable to deliver financial literacy
P17_2. Which of the following...most suitable to deliver financial literacy
P17_2. Which of the following...most suitable to deliver financial literacy
Which of the following organizations do you see as the most suitable to deliver financial literacy program in BiH? C
hoose up to 3 answers
813
223
1
Commercial banks
2
Insurance companies
3
Investment fund management companies
4
Non-government organizations or public institutions ...
5
Government entities regulating these markets
6
Higher education institutions for economics and finance
7
Independent financial consultants
8
Mass media (journalists and TV presenters)
9
Other
99
Don’t know
Sysmiss
P17_3. Which of the following...most suitable to deliver financial literacy
P17_3. Which of the following...most suitable to deliver financial literacy
P17_3. Which of the following...most suitable to deliver financial literacy
P17_3. Which of the following...most suitable to deliver financial literacy
P17_3. Which of the following...most suitable to deliver financial literacy
Which of the following organizations do you see as the most suitable to deliver financial literacy program in BiH? C
hoose up to 3 answers
572
464
1
Commercial banks
2
Insurance companies
3
Investment fund management companies
4
Non-government organizations or public institutions ...
5
Government entities regulating these markets
6
Higher education institutions for economics and finance
7
Independent financial consultants
8
Mass media (journalists and TV presenters)
9
Other
99
Don’t know
Sysmiss
P18a. Which of the following...How to establish financial targets
P18a. Which of the following...How to establish financial targets
P18a. Which of the following...How to establish financial targets
P18a. Which of the following...How to establish financial targets
P18a. Which of the following...How to establish financial targets
Which of the following aspects of managing personal finances do you believe should be a required part of a financial training course for citizens...?
How to establish one's own financial targets and formulate a personal current financial plan
1036
1
Yes
2
No
9
Don't know
P18b. Which of the following...What to do not to overindebted
P18b. Which of the following...What to do not to overindebted
P18b. Which of the following...What to do not to overindebted
P18b. Which of the following...What to do not to overindebted
P18b. Which of the following...What to do not to overindebted
Which of the following aspects of managing personal finances do you believe should be a required part of a financial training course for citizens...?
What to do not to overindebted
1036
1
Yes
2
No
9
Don't know
P18c. Which of the following...How to plan purchases of durables
P18c. Which of the following...How to plan purchases of durables
P18c. Which of the following...How to plan purchases of durables
P18c. Which of the following...How to plan purchases of durables
P18c. Which of the following...How to plan purchases of durables
Which of the following aspects of managing personal finances do you believe should be a required part of a financial training course for citizens...?
How to plan purchases of durables (car, apartment, dacha) and evaluate one's abilities to implement them
1036
1
Yes
2
No
9
Don't know
P18d. Which of the following...How does the pension scheme work
P18d. Which of the following...How does the pension scheme work
P18d. Which of the following...How does the pension scheme work
P18d. Which of the following...How does the pension scheme work
P18d. Which of the following...How does the pension scheme work
Which of the following aspects of managing personal finances do you believe should be a required part of a financial training course for citizens...?
How does the pension scheme work and what methods are available to secure one's old age income
1036
1
Yes
2
No
9
Don't know
P18e. Which of the following...Banking services
P18e. Which of the following...Banking services
P18e. Which of the following...Banking services
P18e. Which of the following...Banking services
P18e. Which of the following...Banking services
Which of the following aspects of managing personal finances do you believe should be a required part of a financial training course for citizens...?
Banking services - current accounts, saving deposits and credit cards
1036
1
Yes
2
No
9
Don't know
P18f. Which of the following...Consumer credits
P18f. Which of the following...Consumer credits
P18f. Which of the following...Consumer credits
P18f. Which of the following...Consumer credits
P18f. Which of the following...Consumer credits
Which of the following aspects of managing personal finances do you believe should be a required part of a financial training course for citizens...?
Consumer credits to purchase goods and services
1036
1
Yes
2
No
9
Don't know
P18g. Which of the following...Mortgage loans
P18g. Which of the following...Mortgage loans
P18g. Which of the following...Mortgage loans
P18g. Which of the following...Mortgage loans
P18g. Which of the following...Mortgage loans
Which of the following aspects of managing personal finances do you believe should be a required part of a financial training course for citizens...?
Mortgage loans
1036
1
Yes
2
No
9
Don't know
P18h. Which of the following...Insurance and related products
P18h. Which of the following...Insurance and related products
P18h. Which of the following...Insurance and related products
P18h. Which of the following...Insurance and related products
P18h. Which of the following...Insurance and related products
Which of the following aspects of managing personal finances do you believe should be a required part of a financial training course for citizens...?
Insurance and related products
1036
1
Yes
2
No
9
Don't know
P18i. Which of the following...Capital markets, stock and investment funds
P18i. Which of the following...Capital markets, stock and investment funds
P18i. Which of the following...Capital markets, stock and investment funds
P18i. Which of the following...Capital markets, stock and investment funds
P18i. Which of the following...Capital markets, stock and investment funds
Which of the following aspects of managing personal finances do you believe should be a required part of a financial training course for citizens...?
Capital markets, stock and investment funds
1036
1
Yes
2
No
9
Don't know
P18j. Which of the following...Sources of information on financial services
P18j. Which of the following...Sources of information on financial services
P18j. Which of the following...Sources of information on financial services
P18j. Which of the following...Sources of information on financial services
P18j. Which of the following...Sources of information on financial services
Which of the following aspects of managing personal finances do you believe should be a required part of a financial training course for citizens...?
Sources of information on financial services, interpretation of the information and ways to differentiate advertising from objective information
1036
1
Yes
2
No
9
Don't know
P18k. Which of the following...What parameters are used to compare bank services
P18k. Which of the following...What parameters are used to compare bank services
P18k. Which of the following...What parameters are used to compare bank services
P18k. Which of the following...What parameters are used to compare bank services
P18k. Which of the following...What parameters are used to compare bank services
Which of the following aspects of managing personal finances do you believe should be a required part of a financial training course for citizens...?
What parameters are used to compare the services offered by banks and other financial companies
1036
1
Yes
2
No
9
Don't know
P18l. Which of the following...What consumer protection laws are available
P18l. Which of the following...What consumer protection laws are available
P18l. Which of the following...What consumer protection laws are available
P18l. Which of the following...What consumer protection laws are available
P18l. Which of the following...What consumer protection laws are available
Which of the following aspects of managing personal finances do you believe should be a required part of a financial training course for citizens...?
What consumer protection laws are available and what one needs to do when one's consumer rights are violated
1036
1
Yes
2
No
9
Don't know
P18m. Which of the following...What information should a user pay attention to
P18m. Which of the following...What information should a user pay attention to
P18m. Which of the following...What information should a user pay attention to
P18m. Which of the following...What information should a user pay attention to
P18m. Which of the following...What information should a user pay attention to
Which of the following aspects of managing personal finances do you believe should be a required part of a financial training course for citizens...?
What information should a user pay attention to when signing a contract with a bank or another financial company
1036
1
Yes
2
No
9
Don't know
P19 How often do you compare the terms and conditions for provision of financial
P19 How often do you compare the terms and conditions for provision of financial
P19 How often do you compare the terms and conditions for provision of financial
P19 How often do you compare the terms and conditions for provision of financial
P19 How often do you compare the terms and conditions for provision of financial
How often do you compare the terms and conditions for provision of financial services by various companies before you sign a contract for such a service? For instance, do you check loan terms, such as interest rate levels, maturity, collateral levels with different commercial banks or or life insurance terms with different insurance companies?
1036
1
Never
2
Rarely
3
Sometimes
4
Always
97
I do not use any financial service
99
Don’t know
P20_1. What sources of information...when choosing a company to buy services fro
P20_1. What sources of information...when choosing a company to buy services fro
P20_1. What sources of information...when choosing a company to buy services fro
P20_1. What sources of information...when choosing a company to buy services fro
P20_1. What sources of information...when choosing a company to buy services fro
What sources of information do you pay attention to when choosing a company to buy a service from?
Multiple Responses possible
1036
1
Advertisements
2
Information materials of financial companies on their ...
3
Advice of consultants working for providers of a ...
4
Recommendations of independent financial consultants or ...
5
Analytical materials published in mass media
6
Employer’s advice
7
Advice of friends and relatives
8
Internet forums and blogs
9
Other
99
Don’t know
P20_2. What sources of information...when choosing a company to buy services fro
P20_2. What sources of information...when choosing a company to buy services fro
P20_2. What sources of information...when choosing a company to buy services fro
P20_2. What sources of information...when choosing a company to buy services fro
P20_2. What sources of information...when choosing a company to buy services fro
What sources of information do you pay attention to when choosing a company to buy a service from?
Multiple Responses possible
616
420
1
Advertisements
2
Information materials of financial companies on their ...
3
Advice of consultants working for providers of a ...
4
Recommendations of independent financial consultants or ...
5
Analytical materials published in mass media
6
Employer’s advice
7
Advice of friends and relatives
8
Internet forums and blogs
9
Other
99
Don’t know
Sysmiss
P20_3. What sources of information...when choosing a company to buy services fro
P20_3. What sources of information...when choosing a company to buy services fro
P20_3. What sources of information...when choosing a company to buy services fro
P20_3. What sources of information...when choosing a company to buy services fro
P20_3. What sources of information...when choosing a company to buy services fro
What sources of information do you pay attention to when choosing a company to buy a service from?
Multiple Responses possible
302
734
1
Advertisements
2
Information materials of financial companies on their ...
3
Advice of consultants working for providers of a ...
4
Recommendations of independent financial consultants or ...
5
Analytical materials published in mass media
6
Employer’s advice
7
Advice of friends and relatives
8
Internet forums and blogs
9
Other
99
Don’t know
Sysmiss
P20_4. What sources of information...when choosing a company to buy services fro
P20_4. What sources of information...when choosing a company to buy services fro
P20_4. What sources of information...when choosing a company to buy services fro
P20_4. What sources of information...when choosing a company to buy services fro
P20_4. What sources of information...when choosing a company to buy services fro
What sources of information do you pay attention to when choosing a company to buy a service from?
Multiple Responses possible
50
986
1
Advertisements
2
Information materials of financial companies on their ...
3
Advice of consultants working for providers of a ...
4
Recommendations of independent financial consultants or ...
5
Analytical materials published in mass media
6
Employer’s advice
7
Advice of friends and relatives
8
Internet forums and blogs
9
Other
99
Don’t know
Sysmiss
P20_5. What sources of information...when choosing a company to buy services fro
P20_5. What sources of information...when choosing a company to buy services fro
P20_5. What sources of information...when choosing a company to buy services fro
P20_5. What sources of information...when choosing a company to buy services fro
P20_5. What sources of information...when choosing a company to buy services fro
What sources of information do you pay attention to when choosing a company to buy a service from?
Multiple Responses possible
8
1028
1
Advertisements
2
Information materials of financial companies on their ...
3
Advice of consultants working for providers of a ...
4
Recommendations of independent financial consultants or ...
5
Analytical materials published in mass media
6
Employer’s advice
7
Advice of friends and relatives
8
Internet forums and blogs
9
Other
99
Don’t know
Sysmiss
P20_6. What sources of information...when choosing a company to buy services fro
P20_6. What sources of information...when choosing a company to buy services fro
P20_6. What sources of information...when choosing a company to buy services fro
P20_6. What sources of information...when choosing a company to buy services fro
P20_6. What sources of information...when choosing a company to buy services fro
What sources of information do you pay attention to when choosing a company to buy a service from?
Multiple Responses possible
2
1034
1
Advertisements
2
Information materials of financial companies on their ...
3
Advice of consultants working for providers of a ...
4
Recommendations of independent financial consultants or ...
5
Analytical materials published in mass media
6
Employer’s advice
7
Advice of friends and relatives
8
Internet forums and blogs
9
Other
99
Don’t know
Sysmiss
P20_7. What sources of information...when choosing a company to buy services fro
P20_7. What sources of information...when choosing a company to buy services fro
P20_7. What sources of information...when choosing a company to buy services fro
P20_7. What sources of information...when choosing a company to buy services fro
P20_7. What sources of information...when choosing a company to buy services fro
What sources of information do you pay attention to when choosing a company to buy a service from?
Multiple Responses possible
1
1035
1
Advertisements
2
Information materials of financial companies on their ...
3
Advice of consultants working for providers of a ...
4
Recommendations of independent financial consultants or ...
5
Analytical materials published in mass media
6
Employer’s advice
7
Advice of friends and relatives
8
Internet forums and blogs
9
Other
99
Don’t know
Sysmiss
P20_8. What sources of information...when choosing a company to buy services fro
P20_8. What sources of information...when choosing a company to buy services fro
P20_8. What sources of information...when choosing a company to buy services fro
P20_8. What sources of information...when choosing a company to buy services fro
P20_8. What sources of information...when choosing a company to buy services fro
What sources of information do you pay attention to when choosing a company to buy a service from?
Multiple Responses possible
1
1035
1
Advertisements
2
Information materials of financial companies on their ...
3
Advice of consultants working for providers of a ...
4
Recommendations of independent financial consultants or ...
5
Analytical materials published in mass media
6
Employer’s advice
7
Advice of friends and relatives
8
Internet forums and blogs
9
Other
99
Don’t know
Sysmiss
P21. How would you assess the level of your financial literacy?
P21. How would you assess the level of your financial literacy?
P21. How would you assess the level of your financial literacy?
P21. How would you assess the level of your financial literacy?
P21. How would you assess the level of your financial literacy?
How would you assess the level of your financial literacy?
1036
1
No knowledge and skills
2
Unsatisfactory knowledge and skills
3
Satisfactory knowledge and skills
4
Good knowledge and skills
5
Excellent knowledge and skills
9
Don’t know
P22. Let’s assume you deposited 10,000 KM in a bank account at 8% annual interest
P22. Let’s assume you deposited 10,000 KM in a bank account at 8% annual interest
P22. Let’s assume you deposited 10,000 KM in a bank account at 8% annual interest
P22. Let’s assume you deposited 10,000 KM in a bank account at 8% annual interest
P22. Let’s assume you deposited 10,000 KM in a bank account at 8% annual interest
Let's assume you deposited 10,000 KM in a bank account at 8% annual interest rate. How much money will you have in your account in 2 years if you do not withdraw from or add to this account any money?
READ
1036
1
More than 18,000 KM
2
Exactly 18.000 KM
3
Less than 18.000 KM
9
Don’t know
P23. Let’s assume that you deposited 10,000 KM in a bank account at 10% annual in
P23. Let’s assume that you deposited 10,000 KM in a bank account at 10% annual in
P23. Let’s assume that you deposited 10,000 KM in a bank account at 10% annual in
P23. Let’s assume that you deposited 10,000 KM in a bank account at 10% annual in
P23. Let’s assume that you deposited 10,000 KM in a bank account at 10% annual in
Let's assume that you deposited 10,000 KM in a bank account at 10% annual interest rate. The interest will be earned at the end of each year and will be added to the principal. How much money will you have in your account in 5 years if you do not withdraw either the principal or the interest?
1036
1
More than 15.000 KM
2
Exactly 15.000 KM
3
Less than 15.000 KM
9
Don’t know
P24. Imagine that you deposited money in a bank account at 8% interest rate, whil
P24. Imagine that you deposited money in a bank account at 8% interest rate, whil
P24. Imagine that you deposited money in a bank account at 8% interest rate, whil
P24. Imagine that you deposited money in a bank account at 8% interest rate, whil
P24. Imagine that you deposited money in a bank account at 8% interest rate, whil
Imagine that you deposited money in a bank account at 8% interest rate, while the annual inflation rate was 10%. Do you think the money from your account can buy more or less, or the same amount of goods and services on average now as a year ago?
1036
1
More than a year ago
2
The same
3
Less than a year ago
9
Don’t know
P25. Let’s assume that in 2012 your income is twice as now, and the consumer pric
P25. Let’s assume that in 2012 your income is twice as now, and the consumer pric
P25. Let’s assume that in 2012 your income is twice as now, and the consumer pric
P25. Let’s assume that in 2012 your income is twice as now, and the consumer pric
P25. Let’s assume that in 2012 your income is twice as now, and the consumer pric
Let's assume that in 2012 your income is twice as now, and the consumer prices also grow twofold. Do you think that in 2012 you will be able to buy more, less, or the same amount of goods and services as today?
1036
1
More than a year ago
2
The same
3
Less than a year ago
9
Don’t know
P26. Let’s assume that you saw a TV-set of the same model on sale in two differen
P26. Let’s assume that you saw a TV-set of the same model on sale in two differen
P26. Let’s assume that you saw a TV-set of the same model on sale in two differen
P26. Let’s assume that you saw a TV-set of the same model on sale in two differen
P26. Let’s assume that you saw a TV-set of the same model on sale in two differen
Let's assume that you saw a TV-set of the same model on sale in two different shops. The initial retail price of it was 1,000 KM. One shop offered a discount of 150 KM, while the other one offered a 10% discount. Which one is a better bargain - a discount of 150 KM or 10%?
1036
1
A discount of 150 KM
2
They are the same
3
A 10% discount
9
Don’t know
P27. Let’s assume that you took a bank loan of 10,000 KM to be paid back during a
P27. Let’s assume that you took a bank loan of 10,000 KM to be paid back during a
P27. Let’s assume that you took a bank loan of 10,000 KM to be paid back during a
P27. Let’s assume that you took a bank loan of 10,000 KM to be paid back during a
P27. Let’s assume that you took a bank loan of 10,000 KM to be paid back during a
Let's assume that you took a bank loan of 10,000 KM to be paid back during a year in equal monthly payments. In the course of the year, you will pay back a total of 600 KM in interest. Give a rough estimate of the annual price of your credit.
1036
1
3%
2
2.6%
3
6%
4
11%
9
Don’t know
P28. If a citizen has a deposit in a Bosnian bank and this bank goes bankrupt, do
P28. If a citizen has a deposit in a Bosnian bank and this bank goes bankrupt, do
P28. If a citizen has a deposit in a Bosnian bank and this bank goes bankrupt, do
P28. If a citizen has a deposit in a Bosnian bank and this bank goes bankrupt, do
P28. If a citizen has a deposit in a Bosnian bank and this bank goes bankrupt, do
If a citizen has a deposit in a Bosnian bank and this bank goes bankrupt, do you know what maximum level of a deposit is entirely insured by the government?
1036
1
The government does not insure the bank deposits
2
The amount of 15,000 KM
3
The amount of 35,000 KM
4
The amount of 50,000 KM
5
The government insures all bank deposits in their full ...
9
Don’t know
P29. If a citizen owns shares in the investment fund, and the value of shares plu
P29. If a citizen owns shares in the investment fund, and the value of shares plu
P29. If a citizen owns shares in the investment fund, and the value of shares plu
P29. If a citizen owns shares in the investment fund, and the value of shares plu
P29. If a citizen owns shares in the investment fund, and the value of shares plu
If a citizen owns shares in the investment fund, and the value of shares plummeted because of a large scale financial crisis, what is an approximate level of losses insured by the government?
1036
1
The government does not insure against losses from the ...
2
The amount of 15,000 KM
3
The amount of 35,000 KM
4
The amount of 50,000 KM
5
The government insures all investment fund shares in ...
9
Don't know
P30_1. In which of the...should individual financial market losses be compensate
P30_1. In which of the...should individual financial market losses be compensate
P30_1. In which of the...should individual financial market losses be compensate
P30_1. In which of the...should individual financial market losses be compensate
P30_1. In which of the...should individual financial market losses be compensate
In which of the following cases it is appropriate for the government to compensate individuals for the losses on the financial market?
Multiple responses possible
1036
1
If a bank goes bankrupt
2
Shares of an investment fall significantly
3
Shares of a private company fall significantly
4
Apartment prices drop at the time when one needs to ...
5
None of the above
9
Don’t know
99
P30_2. In which of the...should individual financial market losses be compensate
P30_2. In which of the...should individual financial market losses be compensate
P30_2. In which of the...should individual financial market losses be compensate
P30_2. In which of the...should individual financial market losses be compensate
P30_2. In which of the...should individual financial market losses be compensate
In which of the following cases it is appropriate for the government to compensate individuals for the losses on the financial market?
Multiple responses possible
128
908
1
If a bank goes bankrupt
2
Shares of an investment fall significantly
3
Shares of a private company fall significantly
4
Apartment prices drop at the time when one needs to ...
5
None of the above
9
Don’t know
Sysmiss
P30_3. In which of the...should individual financial market losses be compensate
P30_3. In which of the...should individual financial market losses be compensate
P30_3. In which of the...should individual financial market losses be compensate
P30_3. In which of the...should individual financial market losses be compensate
P30_3. In which of the...should individual financial market losses be compensate
In which of the following cases it is appropriate for the government to compensate individuals for the losses on the financial market?
Multiple responses possible
44
992
1
If a bank goes bankrupt
2
Shares of an investment fall significantly
3
Shares of a private company fall significantly
4
Apartment prices drop at the time when one needs to ...
5
None of the above
9
Don’t know
Sysmiss
P30_4. In which of the...should individual financial market losses be compensate
P30_4. In which of the...should individual financial market losses be compensate
P30_4. In which of the...should individual financial market losses be compensate
P30_4. In which of the...should individual financial market losses be compensate
P30_4. In which of the...should individual financial market losses be compensate
In which of the following cases it is appropriate for the government to compensate individuals for the losses on the financial market?
Multiple responses possible
21
1015
1
If a bank goes bankrupt
2
Shares of an investment fall significantly
3
Shares of a private company fall significantly
4
Apartment prices drop at the time when one needs to ...
5
None of the above
9
Don’t know
Sysmiss
P31. Which of the following statements correctly describes the role of a guaranto
P31. Which of the following statements correctly describes the role of a guaranto
P31. Which of the following statements correctly describes the role of a guaranto
P31. Which of the following statements correctly describes the role of a guaranto
P31. Which of the following statements correctly describes the role of a guaranto
Which of the following statements correctly describes the role of a guarantor?
1036
1
A guarantor assists the borrower to fulfil the conditions...
2
A bank may collect the borrower’s outstanding liabilities...
8
Don’t know
9
P32. Which of the following statements correctly describes the role of a promisso
P32. Which of the following statements correctly describes the role of a promisso
P32. Which of the following statements correctly describes the role of a promisso
P32. Which of the following statements correctly describes the role of a promisso
P32. Which of the following statements correctly describes the role of a promisso
Which of the following statements correctly describes the role of a promissory note as a loan guarantee instrument?
1 - A promissory note allows the bank to collect its claims by selling all debtor's assets if necessary
2 - A promissory note allows the bank to collect its claims only from current revenues
9 - Don't know (DON'T READ)
1036
1
A promissory note allows the bank to collect its claims ...
2
A promissory note allows the bank to collect its claims ...
8
Don’t know
9
P33. Does the loan currency clause reduce more the risk of the bank or of the bor
P33. Does the loan currency clause reduce more the risk of the bank or of the bor
P33. Does the loan currency clause reduce more the risk of the bank or of the bor
P33. Does the loan currency clause reduce more the risk of the bank or of the bor
P33. Does the loan currency clause reduce more the risk of the bank or of the bor
Does the loan currency clause reduce more the risk of the bank or of the borrower?
1036
1
It reduces the bank’s risk
2
It reduces the borrower’s risk
8
Don’t know
9
P34. Is a revolving credit card the same as the credit card?
P34. Is a revolving credit card the same as the credit card?
P34. Is a revolving credit card the same as the credit card?
P34. Is a revolving credit card the same as the credit card?
P34. Is a revolving credit card the same as the credit card?
Is a revolving credit card the same as the credit card?
1036
1
Yes
2
No
8
No answer
9
Don't know
P35. Is the following statement true or false: ‘going in red’ on the current acco
P35. Is the following statement true or false: ‘going in red’ on the current acco
P35. Is the following statement true or false: ‘going in red’ on the current acco
P35. Is the following statement true or false: ‘going in red’ on the current acco
P35. Is the following statement true or false: ‘going in red’ on the current acco
Is the following statement true or false: 'going in red' on the current account is the most favourable form of consumer credit?
1036
1
True
2
False
8
Don’t know
9
P36. In your family do you usually have a financial plan, thus you know how to co
P36. In your family do you usually have a financial plan, thus you know how to co
P36. In your family do you usually have a financial plan, thus you know how to co
P36. In your family do you usually have a financial plan, thus you know how to co
P36. In your family do you usually have a financial plan, thus you know how to co
In your family do you usually have a financial plan, thus you know how to cover current monthly expenses?
1036
1
Yes
2
No
9
Don't know
P37. Is your family used to keeping records of income and expenditures?
P37. Is your family used to keeping records of income and expenditures?
P37. Is your family used to keeping records of income and expenditures?
P37. Is your family used to keeping records of income and expenditures?
P37. Is your family used to keeping records of income and expenditures?
Is your family used to keeping records of income and expenditures?
1. Yes, we keep records of everything, entering all revenues and all expenditures
2. Yes, we keep records of everything, but not all revenues and expenditures are entered
3. No, we don't keep records of everything, but we know in general how much money is received and spent during a month.
4. No, we don't keep records of family's resources, and we don't have even a vague idea of how much money is received and spent during a month
9. Don't know
1036
1
Yes, we keep records of everything, entering all revenues...
2
Yes, we keep records of everything, but not all revenues ...
3
No, we don’t keep records of everything, but we know in ...
4
No, we don’t keep records of family’s resources, and we ...
9
Don’t know
P38a. How often...had money unspent from month to month
P38a. How often...had money unspent from month to month
P38a. How often...had money unspent from month to month
P38a. How often...had money unspent from month to month
P38a. How often...had money unspent from month to month
How often during the last 12 months your household: had money unspent from month to month
1036
1
Never
2
Once a year or less
3
Every half a year
4
Once every 3 months
5
Every month
9
Don’t know
P38b. How often...remained without money from month to month
P38b. How often...remained without money from month to month
P38b. How often...remained without money from month to month
P38b. How often...remained without money from month to month
P38b. How often...remained without money from month to month
How often during the last 12 months your household: remained without money from month to month
1036
1
Never
2
Once a year or less
3
Every half a year
4
Once every 3 months
5
Every month
9
Don’t know
P38c. How often...spent in a month exactly the money earned in the previous mont
P38c. How often...spent in a month exactly the money earned in the previous mont
P38c. How often...spent in a month exactly the money earned in the previous mont
P38c. How often...spent in a month exactly the money earned in the previous mont
P38c. How often...spent in a month exactly the money earned in the previous mont
How often during the last 12 months your household: spent in a month exactly the money earned in the previous month
If money spent = money earned always or very often (codes 5 and 4 at P38c) ? GO TO P41
If left without money always or very often (codes 5 and 4 at P38b) ? GO TO P40
If money remains unspent always or very often (codes 5 and 4 at P38a) ? GO TO P39
1036
1
Never
2
Once a year or less
3
Every half a year
4
Once every 3 months
5
Every month
9
Don’t know
P39a. When household has unspent money...We spend it on consumer goods
P39a. When household has unspent money...We spend it on consumer goods
P39a. When household has unspent money...We spend it on consumer goods
P39a. When household has unspent money...We spend it on consumer goods
P39a. When household has unspent money...We spend it on consumer goods
When your household remains with unspent money from month to month, generally what do you do with them? We spend it on consumer goods
278
758
1
Yes
2
No
Sysmiss
P39b. When household has unspent money...We keep it in cash
P39b. When household has unspent money...We keep it in cash
P39b. When household has unspent money...We keep it in cash
P39b. When household has unspent money...We keep it in cash
P39b. When household has unspent money...We keep it in cash
When your household remains with unspent money from month to month, generally what do you do with them? We keep it in cash
278
758
1
Yes
2
No
Sysmiss
P39c. When household has unspent money...We deposit or don't withdraw it
P39c. When household has unspent money...We deposit or don't withdraw it
P39c. When household has unspent money...We deposit or don't withdraw it
P39c. When household has unspent money...We deposit or don't withdraw it
P39c. When household has unspent money...We deposit or don't withdraw it
When your household remains with unspent money from month to month, generally what do you do with them? We deposit or don't withdraw it
278
758
1
Yes
2
No
Sysmiss
P39d. When household has unspent money...We invest it in the capital market
P39d. When household has unspent money...We invest it in the capital market
P39d. When household has unspent money...We invest it in the capital market
P39d. When household has unspent money...We invest it in the capital market
P39d. When household has unspent money...We invest it in the capital market
When your household remains with unspent money from month to month, generally what do you do with them? We invest it in the capital market
278
758
1
Yes
2
No
Sysmiss
P39e. When household has unspent money...We lend it to friends or relatives
P39e. When household has unspent money...We lend it to friends or relatives
P39e. When household has unspent money...We lend it to friends or relatives
P39e. When household has unspent money...We lend it to friends or relatives
P39e. When household has unspent money...We lend it to friends or relatives
When your household remains with unspent money from month to month, generally what do you do with them? We lend it to friends or relatives
278
758
1
Yes
2
No
Sysmiss
P39f. When household has unspent money...We invest it in our own business
P39f. When household has unspent money...We invest it in our own business
P39f. When household has unspent money...We invest it in our own business
P39f. When household has unspent money...We invest it in our own business
P39f. When household has unspent money...We invest it in our own business
When your household remains with unspent money from month to month, generally what do you do with them? We invest it in our own business
278
758
1
Yes
2
No
Sysmiss
P39g. When household has unspent money...We invest it in gold and jewellery
P39g. When household has unspent money...We invest it in gold and jewellery
P39g. When household has unspent money...We invest it in gold and jewellery
P39g. When household has unspent money...We invest it in gold and jewellery
P39g. When household has unspent money...We invest it in gold and jewellery
When your household remains with unspent money from month to month, generally what do you do with them? We invest it in gold and jewellery
278
758
1
Yes
2
No
Sysmiss
P39h. When household has unspent money...We use it to reduce old debt
P39h. When household has unspent money...We use it to reduce old debt
P39h. When household has unspent money...We use it to reduce old debt
P39h. When household has unspent money...We use it to reduce old debt
P39h. When household has unspent money...We use it to reduce old debt
When your household remains with unspent money from month to month, generally what do you do with them? We use it to reduce old debt
278
758
1
Yes
2
No
Sysmiss
P39i. When household has unspent money...We use it for basic needs
P39i. When household has unspent money...We use it for basic needs
P39i. When household has unspent money...We use it for basic needs
P39i. When household has unspent money...We use it for basic needs
P39i. When household has unspent money...We use it for basic needs
When your household remains with unspent money from month to month, generally what do you do with them? We use it for basic needs
278
758
1
Yes
2
No
Sysmiss
P39j. When household has unspent money...We spend it for children’s education
P39j. When household has unspent money...We spend it for children’s education
P39j. When household has unspent money...We spend it for children’s education
P39j. When household has unspent money...We spend it for children’s education
P39j. When household has unspent money...We spend it for children’s education
When your household remains with unspent money from month to month, generally what do you do with them? We spend it for children’s education
278
758
1
Yes
2
No
Sysmiss
P39k. When household has unspent money...We spend it on health care
P39k. When household has unspent money...We spend it on health care
P39k. When household has unspent money...We spend it on health care
P39k. When household has unspent money...We spend it on health care
P39k. When household has unspent money...We spend it on health care
When your household remains with unspent money from month to month, generally what do you do with them? We spend it on health care
278
758
1
Yes
2
No
Sysmiss
P39i. Is there any other way how you dispose with money from the previous month a
P39i. Is there any other way how you dispose with money from the previous month a
P39i. Is there any other way how you dispose with money from the previous month a
P39i. Is there any other way how you dispose with money from the previous month a
P39i. Is there any other way how you dispose with money from the previous month a
Is there any other way how you dispose with money from the previous month and which?
278
758
1
Interior design of apartment/house
2
Education
3
Vacation
4
No
Sysmiss
P40a. When household runs out of money...We cut down expenses
P40a. When household runs out of money...We cut down expenses
P40a. When household runs out of money...We cut down expenses
P40a. When household runs out of money...We cut down expenses
P40a. When household runs out of money...We cut down expenses
When your household runs out of money from month to month, generally, what do you do? We cut down expenses
285
751
1
Yes
2
No
Sysmiss
P40b. When household runs out of money...We borrow money from relatives, etc
P40b. When household runs out of money...We borrow money from relatives, etc
P40b. When household runs out of money...We borrow money from relatives, etc
P40b. When household runs out of money...We borrow money from relatives, etc
P40b. When household runs out of money...We borrow money from relatives, etc
When your household runs out of money from month to month, generally, what do you do? We borrow money from relatives, etc
285
751
1
Yes
2
No
Sysmiss
P40c. When household runs out of money...We buy on credit from shops
P40c. When household runs out of money...We buy on credit from shops
P40c. When household runs out of money...We buy on credit from shops
P40c. When household runs out of money...We buy on credit from shops
P40c. When household runs out of money...We buy on credit from shops
When your household runs out of money from month to month, generally, what do you do? We buy on credit from shops
285
751
1
Yes
2
No
Sysmiss
P40d. When household runs out of money...We borrow from non-banking fin. inst.
P40d. When household runs out of money...We borrow from non-banking fin. inst.
P40d. When household runs out of money...We borrow from non-banking fin. inst.
P40d. When household runs out of money...We borrow from non-banking fin. inst.
P40d. When household runs out of money...We borrow from non-banking fin. inst.
When your household runs out of money from month to month, generally, what do you do? We borrow from non-banking fin. inst.
285
751
1
Yes
2
No
Sysmiss
P40e. When household runs out of money...We pawn jewellery or other goods
P40e. When household runs out of money...We pawn jewellery or other goods
P40e. When household runs out of money...We pawn jewellery or other goods
P40e. When household runs out of money...We pawn jewellery or other goods
P40e. When household runs out of money...We pawn jewellery or other goods
When your household runs out of money from month to month, generally, what do you do? We pawn jewellery or other goods
285
751
1
Yes
2
No
Sysmiss
P40f. When household runs out of money...We spend our savings in KM
P40f. When household runs out of money...We spend our savings in KM
P40f. When household runs out of money...We spend our savings in KM
P40f. When household runs out of money...We spend our savings in KM
P40f. When household runs out of money...We spend our savings in KM
When your household runs out of money from month to month, generally, what do you do? We spend our savings in KM
285
751
1
Yes
2
No
Sysmiss
P40g. When household runs out of money...We spend our savings in foreign currenc
P40g. When household runs out of money...We spend our savings in foreign currenc
P40g. When household runs out of money...We spend our savings in foreign currenc
P40g. When household runs out of money...We spend our savings in foreign currenc
P40g. When household runs out of money...We spend our savings in foreign currenc
When your household runs out of money from month to month, generally, what do you do? We spend our savings in foreign currenc
285
751
1
Yes
2
No
Sysmiss
P40h. When household runs out of money...We use a credit card
P40h. When household runs out of money...We use a credit card
P40h. When household runs out of money...We use a credit card
P40h. When household runs out of money...We use a credit card
P40h. When household runs out of money...We use a credit card
When your household runs out of money from month to month, generally, what do you do? We use a credit card
285
751
1
Yes
2
No
Sysmiss
P40i. When household runs out of money...We work extra hours or additional jobs
P40i. When household runs out of money...We work extra hours or additional jobs
P40i. When household runs out of money...We work extra hours or additional jobs
P40i. When household runs out of money...We work extra hours or additional jobs
P40i. When household runs out of money...We work extra hours or additional jobs
When your household runs out of money from month to month, generally, what do you do? We work extra hours or additional jobs
285
751
1
Yes
2
No
Sysmiss
P40j. Is there any other way that you get by when you run out of money in between
P40j. Is there any other way that you get by when you run out of money in between
P40j. Is there any other way that you get by when you run out of money in between
P40j. Is there any other way that you get by when you run out of money in between
P40j. Is there any other way that you get by when you run out of money in between
Is there any other way that you get by when you run out of money in between two months?
285
751
1
Sometimes
2
No
9
No answer
Sysmiss
P41_1. Please tell...reason for families you know who suddenly had fin. problems
P41_1. Please tell...reason for families you know who suddenly had fin. problems
P41_1. Please tell...reason for families you know who suddenly had fin. problems
P41_1. Please tell...reason for families you know who suddenly had fin. problems
P41_1. Please tell...reason for families you know who suddenly had fin. problems
Please tell us whether there are such families among your acquaintances or friends who used to be relatively well-to-do and then suddenly encountered financial problems? If so, then what was the reason in your opinion?
1. Yes, because someone in the household has lost his job due to financial crisis
2. Yes, because of unfortunate series of events (a sudden death or loss of a job by a breadwinner, a divorce, an accident, etc.)
3. Yes, because of a wrong money management or lack of ability to plan its finances (they were buying too much, took too many credits, did not plan their future, lived for the moment, etc.)
4. Yes, they could not repay their own, or other people's, loans
5. Yes, other...............
6. I do not know such families 99. Don't know
Multiple responses possible
1036
1
Yes, because someone in the household has lost his job ...
2
Yes, because of unfortunate series of events
3
Yes, because of a wrong money management or lack of ...
4
Yes, they could not repay their own, or other people’s ...
5
Yes, other
6
I do not know such families
9
Don’t know
99
P41_2. Please tell...reason for families you know who suddenly had fin. problems
P41_2. Please tell...reason for families you know who suddenly had fin. problems
P41_2. Please tell...reason for families you know who suddenly had fin. problems
P41_2. Please tell...reason for families you know who suddenly had fin. problems
P41_2. Please tell...reason for families you know who suddenly had fin. problems
Please tell us whether there are such families among your acquaintances or friends who used to be relatively well-to-do and then suddenly encountered financial problems? If so, then what was the reason in your opinion?
1. Yes, because someone in the household has lost his job due to financial crisis
2. Yes, because of unfortunate series of events (a sudden death or loss of a job by a breadwinner, a divorce, an accident, etc.)
3. Yes, because of a wrong money management or lack of ability to plan its finances (they were buying too much, took too many credits, did not plan their future, lived for the moment, etc.)
4. Yes, they could not repay their own, or other people's, loans
5. Yes, other...............
6. I do not know such families 99. Don't know
Multiple responses possible
138
898
1
Yes, because someone in the household has lost his job ...
2
Yes, because of unfortunate series of events
3
Yes, because of a wrong money management or lack of ...
4
Yes, they could not repay their own, or other people’s ...
5
Yes, other
6
I do not know such families
9
Don’t know
Sysmiss
P41_3. Please tell...reason for families you know who suddenly had fin. problems
P41_3. Please tell...reason for families you know who suddenly had fin. problems
P41_3. Please tell...reason for families you know who suddenly had fin. problems
P41_3. Please tell...reason for families you know who suddenly had fin. problems
P41_3. Please tell...reason for families you know who suddenly had fin. problems
Please tell us whether there are such families among your acquaintances or friends who used to be relatively well-to-do and then suddenly encountered financial problems? If so, then what was the reason in your opinion?
1. Yes, because someone in the household has lost his job due to financial crisis
2. Yes, because of unfortunate series of events (a sudden death or loss of a job by a breadwinner, a divorce, an accident, etc.)
3. Yes, because of a wrong money management or lack of ability to plan its finances (they were buying too much, took too many credits, did not plan their future, lived for the moment, etc.)
4. Yes, they could not repay their own, or other people's, loans
5. Yes, other...............
6. I do not know such families 99. Don't know
Multiple responses possible
45
991
1
Yes, because someone in the household has lost his job ...
2
Yes, because of unfortunate series of events
3
Yes, because of a wrong money management or lack of ...
4
Yes, they could not repay their own, or other people’s ...
5
Yes, other
6
I do not know such families
9
Don’t know
Sysmiss
P41_4. Please tell...reason for families you know who suddenly had fin. problems
P41_4. Please tell...reason for families you know who suddenly had fin. problems
P41_4. Please tell...reason for families you know who suddenly had fin. problems
P41_4. Please tell...reason for families you know who suddenly had fin. problems
P41_4. Please tell...reason for families you know who suddenly had fin. problems
Please tell us whether there are such families among your acquaintances or friends who used to be relatively well-to-do and then suddenly encountered financial problems? If so, then what was the reason in your opinion?
1. Yes, because someone in the household has lost his job due to financial crisis
2. Yes, because of unfortunate series of events (a sudden death or loss of a job by a breadwinner, a divorce, an accident, etc.)
3. Yes, because of a wrong money management or lack of ability to plan its finances (they were buying too much, took too many credits, did not plan their future, lived for the moment, etc.)
4. Yes, they could not repay their own, or other people's, loans
5. Yes, other...............
6. I do not know such families 99. Don't know
Multiple responses possible
17
1019
1
Yes, because someone in the household has lost his job ...
2
Yes, because of unfortunate series of events
3
Yes, because of a wrong money management or lack of ...
4
Yes, they could not repay their own, or other people’s ...
5
Yes, other
6
I do not know such families
9
Don’t know
Sysmiss
P41_5. Please tell...reason for families you know who suddenly had fin. problems
P41_5. Please tell...reason for families you know who suddenly had fin. problems
P41_5. Please tell...reason for families you know who suddenly had fin. problems
P41_5. Please tell...reason for families you know who suddenly had fin. problems
P41_5. Please tell...reason for families you know who suddenly had fin. problems
Please tell us whether there are such families among your acquaintances or friends who used to be relatively well-to-do and then suddenly encountered financial problems? If so, then what was the reason in your opinion?
1. Yes, because someone in the household has lost his job due to financial crisis
2. Yes, because of unfortunate series of events (a sudden death or loss of a job by a breadwinner, a divorce, an accident, etc.)
3. Yes, because of a wrong money management or lack of ability to plan its finances (they were buying too much, took too many credits, did not plan their future, lived for the moment, etc.)
4. Yes, they could not repay their own, or other people's, loans
5. Yes, other...............
6. I do not know such families 99. Don't know
Multiple responses possible
1036
1
Yes, because someone in the household has lost his job ...
2
Yes, because of unfortunate series of events
3
Yes, because of a wrong money management or lack of ...
4
Yes, they could not repay their own, or other people’s ...
5
Yes, other
6
I do not know such families
9
Don’t know
Sysmiss
P42. Did you household experience an unexpected significant reduction of your inc
P42. Did you household experience an unexpected significant reduction of your inc
P42. Did you household experience an unexpected significant reduction of your inc
P42. Did you household experience an unexpected significant reduction of your inc
P42. Did you household experience an unexpected significant reduction of your inc
Did you household experience an unexpected significant reduction of your income over the last three years?
If No --> GO TO P43
1036
1
Yes
2
No
9
Don't know
P42A_a. What was the reason…Loss of employment due to economic crisis
P42A_a. What was the reason…Loss of employment due to economic crisis
P42A_a. What was the reason…Loss of employment due to economic crisis
P42A_a. What was the reason…Loss of employment due to economic crisis
P42A_a. What was the reason…Loss of employment due to economic crisis
If Yes (code 1 at P42)
What was the reason for this reduction of your income? Loss of employment due to economic crisis
438
598
1
Yes
2
No
Sysmiss
P42A_b. What was the reason…Loss of employment because of an accident, illness,
P42A_b. What was the reason…Loss of employment because of an accident, illness,
P42A_b. What was the reason…Loss of employment because of an accident, illness,
P42A_b. What was the reason…Loss of employment because of an accident, illness,
P42A_b. What was the reason…Loss of employment because of an accident, illness,
If Yes (code 1 at P42)
What was the reason for this reduction of your income? Loss of employment because of an accident, illness or disability
438
598
1
Yes
2
No
Sysmiss
P42A_c. What was the reason…Considerable reduction of salary/delay of wage payme
P42A_c. What was the reason…Considerable reduction of salary/delay of wage payme
P42A_c. What was the reason…Considerable reduction of salary/delay of wage payme
P42A_c. What was the reason…Considerable reduction of salary/delay of wage payme
P42A_c. What was the reason…Considerable reduction of salary/delay of wage payme
If Yes (code 1 at P42)
What was the reason for this reduction of your income? Considerable reduction of salary, or delays with salary payment
438
598
1
Yes
2
No
Sysmiss
P42A_d. What was the reason…Breakup, separation or divorce
P42A_d. What was the reason…Breakup, separation or divorce
P42A_d. What was the reason…Breakup, separation or divorce
P42A_d. What was the reason…Breakup, separation or divorce
P42A_d. What was the reason…Breakup, separation or divorce
If Yes (code 1 at P42)
What was the reason for this reduction of your income? Breakup, separation or divorce
438
598
1
Yes
2
No
Sysmiss
P42A_e. What was the reason…Retirement of the main breadwinner
P42A_e. What was the reason…Retirement of the main breadwinner
P42A_e. What was the reason…Retirement of the main breadwinner
P42A_e. What was the reason…Retirement of the main breadwinner
P42A_e. What was the reason…Retirement of the main breadwinner
If Yes (code 1 at P42)
What was the reason for this reduction of your income? Retirement of the main breadwinner
438
598
1
Yes
2
No
Sysmiss
P42A_f. What was the reason…Other (STATE WHAT REASON)
P42A_f. What was the reason…Other (STATE WHAT REASON)
P42A_f. What was the reason…Other (STATE WHAT REASON)
P42A_f. What was the reason…Other (STATE WHAT REASON)
P42A_f. What was the reason…Other (STATE WHAT REASON)
If Yes (code 1 at P42)
What was the reason for this reduction of your income? Other (STATE WHAT REASON)
438
598
1
Yes
2
No
Sysmiss
P42A_f. Other...(verbatim)
P42A_f. Other...(verbatim)
P42A_f. Other...(verbatim)
P42A_f. Other...(verbatim)
P42A_f. Other...(verbatim)
If Yes (code 1 at P42)
What was the reason for this reduction of your income? Other (STATE WHAT REASON)
25
1011
1
Price rise
2
Loan
3
Education
4
Death in family
5
reduction in the Pension payment
6
The Family Expansion
7
change in the workplace
8
Termination of scholarships
9
maternity leave
10
buying an apartment
Sysmiss
P42B_a. How did you manage…We cut down costs
P42B_a. How did you manage…We cut down costs
P42B_a. How did you manage…We cut down costs
P42B_a. How did you manage…We cut down costs
P42B_a. How did you manage…We cut down costs
How did you manage to make the ends meet when your income suddenly dropped? We cut down COSTS
438
598
1
Yes
2
No
Sysmiss
P42B_b. How did you manage…We borrowed money from relatives, friends, etc.
P42B_b. How did you manage…We borrowed money from relatives, friends, etc.
P42B_b. How did you manage…We borrowed money from relatives, friends, etc.
P42B_b. How did you manage…We borrowed money from relatives, friends, etc.
P42B_b. How did you manage…We borrowed money from relatives, friends, etc.
How did you manage to make the ends meet when your income suddenly dropped? We borrowed money from relatives, friends and acquaintances
438
598
1
Yes
2
No
Sysmiss
P42B_c. How did you manage…We bought on credit from shops
P42B_c. How did you manage…We bought on credit from shops
P42B_c. How did you manage…We bought on credit from shops
P42B_c. How did you manage…We bought on credit from shops
P42B_c. How did you manage…We bought on credit from shops
How did you manage to make the ends meet when your income suddenly dropped? We bought on credit (informally - „pe caiet") from shops
438
598
1
Yes
2
No
Sysmiss
P42B_d. How did you manage…We borrowed from non-banking financial institutions
P42B_d. How did you manage…We borrowed from non-banking financial institutions
P42B_d. How did you manage…We borrowed from non-banking financial institutions
P42B_d. How did you manage…We borrowed from non-banking financial institutions
P42B_d. How did you manage…We borrowed from non-banking financial institutions
How did you manage to make the ends meet when your income suddenly dropped? We borrowed from non-banking financial institutions (micro-credits)
438
598
1
Yes
2
No
Sysmiss
P42B_e. How did you manage…We pawned jewellery or other goods
P42B_e. How did you manage…We pawned jewellery or other goods
P42B_e. How did you manage…We pawned jewellery or other goods
P42B_e. How did you manage…We pawned jewellery or other goods
P42B_e. How did you manage…We pawned jewellery or other goods
How did you manage to make the ends meet when your income suddenly dropped? We pawned jewellery or other goods
438
598
1
Yes
2
No
Sysmiss
P42B_f. How did you manage…We spent our savings in KM
P42B_f. How did you manage…We spent our savings in KM
P42B_f. How did you manage…We spent our savings in KM
P42B_f. How did you manage…We spent our savings in KM
P42B_f. How did you manage…We spent our savings in KM
How did you manage to make the ends meet when your income suddenly dropped? We spent our savings in KM
438
598
1
Yes
2
No
Sysmiss
P42B_g. How did you manage…We exchanged our foreign currency savings to KM
P42B_g. How did you manage…We exchanged our foreign currency savings to KM
P42B_g. How did you manage…We exchanged our foreign currency savings to KM
P42B_g. How did you manage…We exchanged our foreign currency savings to KM
P42B_g. How did you manage…We exchanged our foreign currency savings to KM
How did you manage to make the ends meet when your income suddenly dropped? We exchanged our foreign currency savings to KM
438
598
1
Yes
2
No
Sysmiss
P42B_h. How did you manage…We used a credit card
P42B_h. How did you manage…We used a credit card
P42B_h. How did you manage…We used a credit card
P42B_h. How did you manage…We used a credit card
P42B_h. How did you manage…We used a credit card
How did you manage to make the ends meet when your income suddenly dropped? We used a credit card
438
598
1
Yes
2
No
Sysmiss
P42B_i. How did you manage…We worked extra hours or additional jobs
P42B_i. How did you manage…We worked extra hours or additional jobs
P42B_i. How did you manage…We worked extra hours or additional jobs
P42B_i. How did you manage…We worked extra hours or additional jobs
P42B_i. How did you manage…We worked extra hours or additional jobs
How did you manage to make the ends meet when your income suddenly dropped? We worked extra hours or additional jobs
438
598
1
Yes
2
No
Sysmiss
P42B_j. How did you manage....Other...
P42B_j. How did you manage....Other...
P42B_j. How did you manage....Other...
P42B_j. How did you manage....Other...
P42B_j. How did you manage....Other...
How did you manage to make the ends meet when your income suddenly dropped? Other (STATE WHAT)
438
598
1
Yes
2
No
Sysmiss
P42B_j. Other...(verbatim)
P42B_j. Other...(verbatim)
P42B_j. Other...(verbatim)
P42B_j. Other...(verbatim)
P42B_j. Other...(verbatim)
How did you manage to make the ends meet when your income suddenly dropped? Other (STATE WHAT)
1
1035
1
Sell land
Sysmiss
P43. How often during the last 12 months your household had to borrow to pay back
P43. How often during the last 12 months your household had to borrow to pay back
P43. How often during the last 12 months your household had to borrow to pay back
P43. How often during the last 12 months your household had to borrow to pay back
P43. How often during the last 12 months your household had to borrow to pay back
How often during the last 12 months your household had to borrow to pay back your other debts?
1036
1
Never
2
Once a year or less
3
Once in 6 months
4
Once in 3 months
5
Every month
9
Don’t know
P44. Would you please say whether your household has any debts now apart from lon
P44. Would you please say whether your household has any debts now apart from lon
P44. Would you please say whether your household has any debts now apart from lon
P44. Would you please say whether your household has any debts now apart from lon
P44. Would you please say whether your household has any debts now apart from lon
Would you please say whether your household has any debts now apart from long-term loan/credits?
Without instalments for credits/loans
If NO --> GO TO P45
1036
1
Yes
2
No
9
Don't know
P44B. Comparing to your total monthly household income, approximately how much mo
P44B. Comparing to your total monthly household income, approximately how much mo
P44B. Comparing to your total monthly household income, approximately how much mo
P44B. Comparing to your total monthly household income, approximately how much mo
P44B. Comparing to your total monthly household income, approximately how much mo
If Yes in P44A ask:
Comparing to your total monthly household income, approximately how much money is allocated to the repayment of debts apart from long-term loans?
Without loan instalments
116
920
1
Less than the monthly income
2
approx. 1-2 monthly incomes
3
approx. 2-3
4
approx. 4-6
5
approx. 7-12 monthly incomes
6
More than the annual income
9
Don’t know
Sysmiss
P45. Let’s assume that in addition to your regular income your family receives 25
P45. Let’s assume that in addition to your regular income your family receives 25
P45. Let’s assume that in addition to your regular income your family receives 25
P45. Let’s assume that in addition to your regular income your family receives 25
P45. Let’s assume that in addition to your regular income your family receives 25
Let's assume that in addition to your regular income your family receives 25,000 KM, or approximately 12,500 Euro. What would you most likely do with this money?
I'll spend it on the purchase of household goods (furniture, clothes, home electronic appliances, etc.)
I'll try to add money (through borrowing, e.g.) and buy a plot of land, a car, etc.
I'll make long-term savings to accumulate money for more expensive things (a house, apartment, expensive car, etc.)
I'll make reserves (for unexpected event, special events, for a rainy day, etc.)
Choose maximum 3 answers
1036
1
I’ll spend it on the purchase of household goods
2
I’ll try to add money (through borrowing, e.g.) and buy ...
3
I’ll make long-term savings to accumulate money for more ...
4
I’ll make reserves (for unexpected event, special events,...
5
I’ll repay my earlier debts..
6
I’ll spend it on entertainment, on travel or vacation.
7
I’ll spend it on education and development of my children.
8
I’ll spend it on upgrade of my skills or training for a ...
9
I’ll spend it on my medical treatment and that of my ...
10
I’ll invest it in my own business.
11
I’ll buy an insurance policy for myself or the family, ...
12
I’ll buy gold, jewels and the like
13
I’ll invest it in the bank deposit at an interest rate
14
I’ll buy shares and other stock of Bosnian companies, ...
15
Other
16
Construction'
17
Education
18
Agricultural machines
19
I would give to humanitarian aid
20
I'd give to friends and relatives
21
I'd bought the position
99
Don’t know
P45. Let’s assume that in addition to your regular income your family receives 25
P45. Let’s assume that in addition to your regular income your family receives 25
P45. Let’s assume that in addition to your regular income your family receives 25
P45. Let’s assume that in addition to your regular income your family receives 25
P45. Let’s assume that in addition to your regular income your family receives 25
Let's assume that in addition to your regular income your family receives 25,000 KM, or approximately 12,500 Euro. What would you most likely do with this money?
I'll spend it on the purchase of household goods (furniture, clothes, home electronic appliances, etc.)
I'll try to add money (through borrowing, e.g.) and buy a plot of land, a car, etc.
I'll make long-term savings to accumulate money for more expensive things (a house, apartment, expensive car, etc.)
I'll make reserves (for unexpected event, special events, for a rainy day, etc.)
Choose maximum 3 answers
844
192
1
I’ll spend it on the purchase of household goods
2
I’ll try to add money (through borrowing, e.g.) and buy ...
3
I’ll make long-term savings to accumulate money for more ...
4
I’ll make reserves (for unexpected event, special events,...
5
I’ll repay my earlier debts..
6
I’ll spend it on entertainment, on travel or vacation.
7
I’ll spend it on education and development of my children.
8
I’ll spend it on upgrade of my skills or training for a ...
9
I’ll spend it on my medical treatment and that of my ...
10
I’ll invest it in my own business.
11
I’ll buy an insurance policy for myself or the family, ...
12
I’ll buy gold, jewels and the like
13
I’ll invest it in the bank deposit at an interest rate
14
I’ll buy shares and other stock of Bosnian companies, ...
15
Other
16
Construction'
17
Education
18
Agricultural machines
19
I would give to humanitarian aid
20
I'd give to friends and relatives
21
I'd bought the position
99
Don’t know
Sysmiss
P45. Let’s assume that in addition to your regular income your family receives 25
P45. Let’s assume that in addition to your regular income your family receives 25
P45. Let’s assume that in addition to your regular income your family receives 25
P45. Let’s assume that in addition to your regular income your family receives 25
P45. Let’s assume that in addition to your regular income your family receives 25
Let's assume that in addition to your regular income your family receives 25,000 KM, or approximately 12,500 Euro. What would you most likely do with this money?
I'll spend it on the purchase of household goods (furniture, clothes, home electronic appliances, etc.)
I'll try to add money (through borrowing, e.g.) and buy a plot of land, a car, etc.
I'll make long-term savings to accumulate money for more expensive things (a house, apartment, expensive car, etc.)
I'll make reserves (for unexpected event, special events, for a rainy day, etc.)
Choose maximum 3 answers
583
453
1
I’ll spend it on the purchase of household goods
2
I’ll try to add money (through borrowing, e.g.) and buy ...
3
I’ll make long-term savings to accumulate money for more ...
4
I’ll make reserves (for unexpected event, special events,...
5
I’ll repay my earlier debts..
6
I’ll spend it on entertainment, on travel or vacation.
7
I’ll spend it on education and development of my children.
8
I’ll spend it on upgrade of my skills or training for a ...
9
I’ll spend it on my medical treatment and that of my ...
10
I’ll invest it in my own business.
11
I’ll buy an insurance policy for myself or the family, ...
12
I’ll buy gold, jewels and the like
13
I’ll invest it in the bank deposit at an interest rate
14
I’ll buy shares and other stock of Bosnian companies, ...
15
Other
16
Construction'
17
Education
18
Agricultural machines
19
I would give to humanitarian aid
20
I'd give to friends and relatives
21
I'd bought the position
99
Don’t know
Sysmiss
P46. Which of the following statements best describes your situation?
P46. Which of the following statements best describes your situation?
P46. Which of the following statements best describes your situation?
P46. Which of the following statements best describes your situation?
P46. Which of the following statements best describes your situation?
Which of the following statements best describes your situation?
1. I try to save something and spend the rest of the money on the everyday needs
2. I spend money on the everyday needs and save the rest
3. I spend all the money on everyday needs and do not save anything
9. Don't know
If household saves (codes 1 and 2 at P46) ask P46A and P46B, others to P47
1036
1
I try to save something and spend the rest of the money ...
2
I spend money on the everyday needs and save the rest
3
I spend all the money on everyday needs and do not ...
9
Don’t know
P46A. Comparing to your total monthly household income, approximately how much ar
P46A. Comparing to your total monthly household income, approximately how much ar
P46A. Comparing to your total monthly household income, approximately how much ar
P46A. Comparing to your total monthly household income, approximately how much ar
P46A. Comparing to your total monthly household income, approximately how much ar
Comparing to your total monthly household income, approximately how much are your savings?
471
565
1
Less than the monthly income
2
approx. 1-2 monthly incomes
3
approx. 2-3
4
approx. 4-6
5
approx. 7-12 monthly incomes
6
More than the annual income
9
Don’t know
Sysmiss
P46B. 1. What are the reasons to have made savings
P46B. 1. What are the reasons to have made savings
P46B. 1. What are the reasons to have made savings
P46B. 1. What are the reasons to have made savings
P46B. 1. What are the reasons to have made savings
What are the reasons to have made savings?
Multiple responses possible
471
565
1
For a rainy day, for unexpected expenses
2
For retirement
3
To leave something for children to inherit
4
To get income in the form of interest, increased market...
5
To increase my living standards in the future
6
I like saving rather than spending money
7
This is a family tradition
8
Other
9
Construction
10
Health treatment
11
Education
12
Vacation
13
Own business
99
Don’t know
Sysmiss
P46B. 2. What are the reasons to have made savings
P46B. 2. What are the reasons to have made savings
P46B. 2. What are the reasons to have made savings
P46B. 2. What are the reasons to have made savings
P46B. 2. What are the reasons to have made savings
What are the reasons to have made savings?
Multiple responses possible
193
843
1
For a rainy day, for unexpected expenses
2
For retirement
3
To leave something for children to inherit
4
To get income in the form of interest, increased market...
5
To increase my living standards in the future
6
I like saving rather than spending money
7
This is a family tradition
8
Other
9
Construction
10
Health treatment
11
Education
12
Vacation
13
Own business
99
Don’t know
Sysmiss
P46B. 3. What are the reasons to have made savings
P46B. 3. What are the reasons to have made savings
P46B. 3. What are the reasons to have made savings
P46B. 3. What are the reasons to have made savings
P46B. 3. What are the reasons to have made savings
What are the reasons to have made savings?
Multiple responses possible
63
973
1
For a rainy day, for unexpected expenses
2
For retirement
3
To leave something for children to inherit
4
To get income in the form of interest, increased market...
5
To increase my living standards in the future
6
I like saving rather than spending money
7
This is a family tradition
8
Other
9
Construction
10
Health treatment
11
Education
12
Vacation
13
Own business
99
Don’t know
Sysmiss
P46B. 4. What are the reasons to have made savings
P46B. 4. What are the reasons to have made savings
P46B. 4. What are the reasons to have made savings
P46B. 4. What are the reasons to have made savings
P46B. 4. What are the reasons to have made savings
What are the reasons to have made savings?
Multiple responses possible
9
1027
1
For a rainy day, for unexpected expenses
2
For retirement
3
To leave something for children to inherit
4
To get income in the form of interest, increased market...
5
To increase my living standards in the future
6
I like saving rather than spending money
7
This is a family tradition
8
Other
9
Construction
10
Health treatment
11
Education
12
Vacation
13
Own business
99
Don’t know
Sysmiss
P46B. 5. What are the reasons to have made savings
P46B. 5. What are the reasons to have made savings
P46B. 5. What are the reasons to have made savings
P46B. 5. What are the reasons to have made savings
P46B. 5. What are the reasons to have made savings
What are the reasons to have made savings?
Multiple responses possible
2
1034
1
For a rainy day, for unexpected expenses
2
For retirement
3
To leave something for children to inherit
4
To get income in the form of interest, increased market...
5
To increase my living standards in the future
6
I like saving rather than spending money
7
This is a family tradition
8
Other
9
Construction
10
Health treatment
11
Education
12
Vacation
13
Own business
99
Don’t know
Sysmiss
P46B. 6. What are the reasons to have made savings
P46B. 6. What are the reasons to have made savings
P46B. 6. What are the reasons to have made savings
P46B. 6. What are the reasons to have made savings
P46B. 6. What are the reasons to have made savings
What are the reasons to have made savings?
Multiple responses possible
1036
1
For a rainy day, for unexpected expenses
2
For retirement
3
To leave something for children to inherit
4
To get income in the form of interest, increased market...
5
To increase my living standards in the future
6
I like saving rather than spending money
7
This is a family tradition
8
Other
9
Construction
10
Health treatment
11
Education
12
Vacation
13
Own business
99
Don’t know
Sysmiss
P47.1.What are the reasons for not saving at all?
P47.1.What are the reasons for not saving at all?
P47.1.What are the reasons for not saving at all?
P47.1.What are the reasons for not saving at all?
P47.1.What are the reasons for not saving at all?
What are the reasons?
Multiple responses possible
553
483
1
I don’t trust financial institutions
2
I cannot do this because of a low income
3
I don’t see the point in making savings
5
I cannot resist the temptation to spend the money ...
8
Other
9
I have a loan
10
I CAN NOT BECAUSE OF TREATMENT
11
Because prices are rising
99
Don’t know
Sysmiss
P47.2.What are the reasons for not saving at all?
P47.2.What are the reasons for not saving at all?
P47.2.What are the reasons for not saving at all?
P47.2.What are the reasons for not saving at all?
P47.2.What are the reasons for not saving at all?
What are the reasons?
Multiple responses possible
15
1021
1
I don’t trust financial institutions
2
I cannot do this because of a low income
3
I don’t see the point in making savings
5
I cannot resist the temptation to spend the money ...
8
Other
9
I have a loan
10
I CAN NOT BECAUSE OF TREATMENT
11
Because prices are rising
99
Don’t know
Sysmiss
Age: (18-24) (35-34) (35-44) (45-54) (55-64)
Age: (18-24) (35-34) (35-44) (45-54) (55-64)
Age: (18-24) (35-34) (35-44) (45-54) (55-64)
Age: (18-24) (35-34) (35-44) (45-54) (55-64)
Age: (18-24) (35-34) (35-44) (45-54) (55-64)
1036
1
18-24
2
25-34
3
35-44
4
45-54
5
55-64
6
65+
Resp. 1. Sex
Resp. 1. Sex
Resp. 1. Sex
Resp. 1. Sex
Resp. 1. Sex
Sex
1036
1
Male
2
Female
Resp. 1. Age
Resp. 1. Age
Resp. 1. Age
Resp. 1. Age
Resp. 1. Age
Age
1036
18
85
42.001
15.781
Resp. 1. Highest level of education achieved
Resp. 1. Highest level of education achieved
Resp. 1. Highest level of education achieved
Resp. 1. Highest level of education achieved
Resp. 1. Highest level of education achieved
Highest level of education achieved
1036
1
no school or primary (1- 3 classes)
2
primary (4-7 classes)
3
primary school (all 8 classes)
4
one-year or two-year vocational school (reduced program)
5
three-year vocational school and apprentice
6
four-year vocational school and apprentice
7
High scool
8
post-secondary school, associate degree
9
college, academy, technical college
10
masters degree
11
doctoral studies
98
Don’t know/doesn’t want to respond
Resp. 1. Main occupational status in the present
Resp. 1. Main occupational status in the present
Resp. 1. Main occupational status in the present
Resp. 1. Main occupational status in the present
Resp. 1. Main occupational status in the present
Main occupational status in the present
1036
1
employee
2
other status of employed persons
3
business owner to 10 employees
4
business owner of 11-50 employees
5
business owner of 51-250 employees
6
business owner more than 250 employees
7
self-employed person in non-agricultural activities
8
self-employed person in agricultural activities
9
family helper
10
registered as unemployed
11
unregistered unemployed
12
retired - due to age
13
retired - other causes
14
pupil, student
15
housewife
16
person unable to work
17
another status of non working person
Resp. 2. Sex
Resp. 2. Sex
Resp. 2. Sex
Resp. 2. Sex
Resp. 2. Sex
Sex
912
124
1
Male
2
Female
Sysmiss
Resp. 2. Age
Resp. 2. Age
Resp. 2. Age
Resp. 2. Age
Resp. 2. Age
Age
912
124
1
85
45.648
14.382
Resp. 2. Highest level of education achieved
Resp. 2. Highest level of education achieved
Resp. 2. Highest level of education achieved
Resp. 2. Highest level of education achieved
Resp. 2. Highest level of education achieved
Highest level of education achieved
912
124
1
no school or primary (1- 3 classes)
2
primary (4-7 classes)
3
primary school (all 8 classes)
4
one-year or two-year vocational school (reduced program)
5
three-year vocational school and apprentice
6
four-year vocational school and apprentice
7
High scool
8
post-secondary school, associate degree
9
college, academy, technical college
10
masters degree
11
doctoral studies
98
Don’t know/doesn’t want to respond
Sysmiss
Resp. 2. Main occupational status in the present
Resp. 2. Main occupational status in the present
Resp. 2. Main occupational status in the present
Resp. 2. Main occupational status in the present
Resp. 2. Main occupational status in the present
Main occupational status in the present
912
124
1
employee
2
other status of employed persons
3
business owner to 10 employees
4
business owner of 11-50 employees
5
business owner of 51-250 employees
6
business owner more than 250 employees
7
self-employed person in non-agricultural activities
8
self-employed person in agricultural activities
9
family helper
10
registered as unemployed
11
unregistered unemployed
12
retired - due to age
13
retired - other causes
14
pupil, student
15
housewife
16
person unable to work
17
another status of non working person
98
Sysmiss
Resp. 3. Sex
Resp. 3. Sex
Resp. 3. Sex
Resp. 3. Sex
Resp. 3. Sex
Sex
656
380
1
Male
2
Female
Sysmiss
Resp. 3. Age
Resp. 3. Age
Resp. 3. Age
Resp. 3. Age
Resp. 3. Age
Age
656
380
1
86
31.666
19.033
Resp. 3. Highest level of education achieved
Resp. 3. Highest level of education achieved
Resp. 3. Highest level of education achieved
Resp. 3. Highest level of education achieved
Resp. 3. Highest level of education achieved
Highest level of education achieved
656
380
1
no school or primary (1- 3 classes)
2
primary (4-7 classes)
3
primary school (all 8 classes)
4
one-year or two-year vocational school (reduced program)
5
three-year vocational school and apprentice
6
four-year vocational school and apprentice
7
High scool
8
post-secondary school, associate degree
9
college, academy, technical college
10
masters degree
11
doctoral studies
98
Don’t know/doesn’t want to respond
998
Sysmiss
Resp. 3. Main occupational status in the present
Resp. 3. Main occupational status in the present
Resp. 3. Main occupational status in the present
Resp. 3. Main occupational status in the present
Resp. 3. Main occupational status in the present
Main occupational status in the present
656
380
1
employee
2
other status of employed persons
3
business owner to 10 employees
4
business owner of 11-50 employees
5
business owner of 51-250 employees
6
business owner more than 250 employees
7
self-employed person in non-agricultural activities
8
self-employed person in agricultural activities
9
family helper
10
registered as unemployed
11
unregistered unemployed
12
retired - due to age
13
retired - other causes
14
pupil, student
15
housewife
16
person unable to work
17
another status of non working person
98
Sysmiss
Resp. 4. Sex
Resp. 4. Sex
Resp. 4. Sex
Resp. 4. Sex
Resp. 4. Sex
Sex
386
650
1
Male
2
Female
Sysmiss
Resp. 4. Age
Resp. 4. Age
Resp. 4. Age
Resp. 4. Age
Resp. 4. Age
Age
386
650
1
77
22.702
15.641
Resp. 4. Highest level of education achieved
Resp. 4. Highest level of education achieved
Resp. 4. Highest level of education achieved
Resp. 4. Highest level of education achieved
Resp. 4. Highest level of education achieved
Highest level of education achieved
386
650
1
no school or primary (1- 3 classes)
2
primary (4-7 classes)
3
primary school (all 8 classes)
4
one-year or two-year vocational school (reduced program)
5
three-year vocational school and apprentice
6
four-year vocational school and apprentice
7
High scool
8
post-secondary school, associate degree
9
college, academy, technical college
10
masters degree
11
doctoral studies
98
Don’t know/doesn’t want to respond
998
Sysmiss
Resp. 4. Main occupational status in the present
Resp. 4. Main occupational status in the present
Resp. 4. Main occupational status in the present
Resp. 4. Main occupational status in the present
Resp. 4. Main occupational status in the present
Main occupational status in the present
386
650
1
employee
2
other status of employed persons
3
business owner to 10 employees
4
business owner of 11-50 employees
5
business owner of 51-250 employees
6
business owner more than 250 employees
7
self-employed person in non-agricultural activities
8
self-employed person in agricultural activities
9
family helper
10
registered as unemployed
11
unregistered unemployed
12
retired - due to age
13
retired - other causes
14
pupil, student
15
housewife
16
person unable to work
17
another status of non working person
98
Sysmiss
Resp. 5. Sex
Resp. 5. Sex
Resp. 5. Sex
Resp. 5. Sex
Resp. 5. Sex
Sex
109
927
1
Male
2
Female
Sysmiss
Resp. 5. Age
Resp. 5. Age
Resp. 5. Age
Resp. 5. Age
Resp. 5. Age
Age
109
927
1
85
19.954
18.711
Resp. 5. Highest level of education achieved
Resp. 5. Highest level of education achieved
Resp. 5. Highest level of education achieved
Resp. 5. Highest level of education achieved
Resp. 5. Highest level of education achieved
Highest level of education achieved
109
927
1
no school or primary (1- 3 classes)
2
primary (4-7 classes)
3
primary school (all 8 classes)
4
one-year or two-year vocational school (reduced program)
5
three-year vocational school and apprentice
6
four-year vocational school and apprentice
7
High scool
8
post-secondary school, associate degree
9
college, academy, technical college
10
masters degree
11
doctoral studies
98
Don’t know/doesn’t want to respond
Sysmiss
Resp. 5. Main occupational status in the present
Resp. 5. Main occupational status in the present
Resp. 5. Main occupational status in the present
Resp. 5. Main occupational status in the present
Resp. 5. Main occupational status in the present
Main occupational status in the present
109
927
1
employee
2
other status of employed persons
3
business owner to 10 employees
4
business owner of 11-50 employees
5
business owner of 51-250 employees
6
business owner more than 250 employees
7
self-employed person in non-agricultural activities
8
self-employed person in agricultural activities
9
family helper
10
registered as unemployed
11
unregistered unemployed
12
retired - due to age
13
retired - other causes
14
pupil, student
15
housewife
16
person unable to work
17
another status of non working person
Sysmiss
Resp. 6. Sex
Resp. 6. Sex
Resp. 6. Sex
Resp. 6. Sex
Resp. 6. Sex
Sex
42
994
1
Male
2
Female
Sysmiss
Resp. 6. Age
Resp. 6. Age
Resp. 6. Age
Resp. 6. Age
Resp. 6. Age
Age
42
994
1
80
16.929
22.631
Resp. 6. Highest level of education achieved
Resp. 6. Highest level of education achieved
Resp. 6. Highest level of education achieved
Resp. 6. Highest level of education achieved
Resp. 6. Highest level of education achieved
Highest level of education achieved
42
994
1
no school or primary (1- 3 classes)
2
primary (4-7 classes)
3
primary school (all 8 classes)
4
one-year or two-year vocational school (reduced program)
5
three-year vocational school and apprentice
6
four-year vocational school and apprentice
7
High scool
8
post-secondary school, associate degree
9
college, academy, technical college
10
masters degree
11
doctoral studies
98
Don’t know/doesn’t want to respond
Sysmiss
Resp. 6. Main occupational status in the present
Resp. 6. Main occupational status in the present
Resp. 6. Main occupational status in the present
Resp. 6. Main occupational status in the present
Resp. 6. Main occupational status in the present
Main occupational status in the present
42
994
1
employee
2
other status of employed persons
3
business owner to 10 employees
4
business owner of 11-50 employees
5
business owner of 51-250 employees
6
business owner more than 250 employees
7
self-employed person in non-agricultural activities
8
self-employed person in agricultural activities
9
family helper
10
registered as unemployed
11
unregistered unemployed
12
retired - due to age
13
retired - other causes
14
pupil, student
15
housewife
16
person unable to work
17
another status of non working person
Sysmiss
Resp. 7. Sex
Resp. 7. Sex
Resp. 7. Sex
Resp. 7. Sex
Resp. 7. Sex
Sex
9
1027
1
Male
2
Female
Sysmiss
Resp. 7. Age
Resp. 7. Age
Resp. 7. Age
Resp. 7. Age
Resp. 7. Age
9
1027
1
2
3
8
14
20
Sysmiss
Resp. 7. Highest level of education achieved
Resp. 7. Highest level of education achieved
Resp. 7. Highest level of education achieved
Resp. 7. Highest level of education achieved
Resp. 7. Highest level of education achieved
Highest level of education achieved
9
1027
1
no school or primary (1- 3 classes)
2
primary (4-7 classes)
3
primary school (all 8 classes)
4
one-year or two-year vocational school (reduced program)
5
three-year vocational school and apprentice
6
four-year vocational school and apprentice
7
High scool
8
post-secondary school, associate degree
9
college, academy, technical college
10
masters degree
11
doctoral studies
98
Don’t know/doesn’t want to respond
Sysmiss
Resp. 7. Main occupational status in the present
Resp. 7. Main occupational status in the present
Resp. 7. Main occupational status in the present
Resp. 7. Main occupational status in the present
Resp. 7. Main occupational status in the present
Main occupational status in the present
9
1027
1
employee
2
other status of employed persons
3
business owner to 10 employees
4
business owner of 11-50 employees
5
business owner of 51-250 employees
6
business owner more than 250 employees
7
self-employed person in non-agricultural activities
8
self-employed person in agricultural activities
9
family helper
10
registered as unemployed
11
unregistered unemployed
12
retired - due to age
13
retired - other causes
14
pupil, student
15
housewife
16
person unable to work
17
another status of non working person
Sysmiss
Person. 1. Main occupation of household member
Person. 1. Main occupation of household member
Person. 1. Main occupation of household member
Person. 1. Main occupation of household member
Person. 1. Main occupation of household member
Main occupation
FOR PERSONS WITH OCCUPATION ONLY
To be completed only for the persons aged 15+, members of the household
442
594
1
managers, business owners, entrepreneurs, mayor,...
2
intellectual occupations
3
technicians or foremen
4
clerks: secretary, librarian, cashier etc.
5
workers in services and commerce
6
qualified farmers or self-employed in agriculture
7
craftsmen and maintenance mechanics
8
skilled workers and operators
9
unskilled workers in non-agricultural sectors
10
daily workers/black market workers in agriculture ...
11
daily workers/black market workers in non-agricultural ...
12
military – all ranks
Sysmiss
Person. 1. Main source of income
Person. 1. Main source of income
Person. 1. Main source of income
Person. 1. Main source of income
Person. 1. Main source of income
Main source of income
To be completed only for the persons aged 15+, members of the household
1036
no income
1
salary/ wages
3
income from self-employed authorized non-agricultural ...
4
daily paid or occasional incomes
5
old age pension
6
disability, illness, veteran pension
7
agricultural (CAP) pension
8
unemployment/redundancy benefit
9
scholarship
10
child allowance
11
the minimum guaranteed income, social allowance
12
other social transfers
13
money received from relatives who work
14
private transfers
15
income from investments, savings or proprieties
16
income from self-employment agricultural activities
17
other
Person. 2. Main occupation of household member
Person. 2. Main occupation of household member
Person. 2. Main occupation of household member
Person. 2. Main occupation of household member
Person. 2. Main occupation of household member
Main occupation
FOR PERSONS WITH OCCUPATION ONLY
To be completed only for the persons aged 15+, members of the household
451
585
1
managers, business owners, entrepreneurs, mayor,...
2
intellectual occupations
3
technicians or foremen
4
clerks: secretary, librarian, cashier etc.
5
workers in services and commerce
6
qualified farmers or self-employed in agriculture
7
craftsmen and maintenance mechanics
8
skilled workers and operators
9
unskilled workers in non-agricultural sectors
10
daily workers/black market workers in agriculture ...
11
daily workers/black market workers in non-agricultural ...
12
military – all ranks
Sysmiss
Person. 2. Main source of income
Person. 2. Main source of income
Person. 2. Main source of income
Person. 2. Main source of income
Person. 2. Main source of income
Main source of income
To be completed only for the persons aged 15+, members of the household
903
133
no income
1
salary/ wages
3
income from self-employed authorized non-agricultural ...
4
daily paid or occasional incomes
5
old age pension
6
disability, illness, veteran pension
7
agricultural (CAP) pension
8
unemployment/redundancy benefit
9
scholarship
10
child allowance
11
the minimum guaranteed income, social allowance
12
other social transfers
13
money received from relatives who work
14
private transfers
15
income from investments, savings or proprieties
16
income from self-employment agricultural activities
17
other
Sysmiss
Person. 3. Main occupation of household member
Person. 3. Main occupation of household member
Person. 3. Main occupation of household member
Person. 3. Main occupation of household member
Person. 3. Main occupation of household member
Main occupation
FOR PERSONS WITH OCCUPATION ONLY
To be completed only for the persons aged 15+, members of the household
174
862
1
managers, business owners, entrepreneurs, mayor,...
2
intellectual occupations
3
technicians or foremen
4
clerks: secretary, librarian, cashier etc.
5
workers in services and commerce
6
qualified farmers or self-employed in agriculture
7
craftsmen and maintenance mechanics
8
skilled workers and operators
9
unskilled workers in non-agricultural sectors
10
daily workers/black market workers in agriculture ...
11
daily workers/black market workers in non-agricultural ...
12
military – all ranks
Sysmiss
Person. 3. Main source of income
Person. 3. Main source of income
Person. 3. Main source of income
Person. 3. Main source of income
Person. 3. Main source of income
Main source of income
To be completed only for the persons aged 15+, members of the household
521
515
no income
1
salary/ wages
3
income from self-employed authorized non-agricultural ...
4
daily paid or occasional incomes
5
old age pension
6
disability, illness, veteran pension
7
agricultural (CAP) pension
8
unemployment/redundancy benefit
9
scholarship
10
child allowance
11
the minimum guaranteed income, social allowance
12
other social transfers
13
money received from relatives who work
14
private transfers
15
income from investments, savings or proprieties
16
income from self-employment agricultural activities
17
other
Sysmiss
Person. 4. Main occupation of household member
Person. 4. Main occupation of household member
Person. 4. Main occupation of household member
Person. 4. Main occupation of household member
Person. 4. Main occupation of household member
Main occupation
FOR PERSONS WITH OCCUPATION ONLY
To be completed only for the persons aged 15+, members of the household
74
962
1
managers, business owners, entrepreneurs, mayor,...
2
intellectual occupations
3
technicians or foremen
4
clerks: secretary, librarian, cashier etc.
5
workers in services and commerce
6
qualified farmers or self-employed in agriculture
7
craftsmen and maintenance mechanics
8
skilled workers and operators
9
unskilled workers in non-agricultural sectors
10
daily workers/black market workers in agriculture ...
11
daily workers/black market workers in non-agricultural ...
12
military – all ranks
Sysmiss
Person. 4. Main source of income
Person. 4. Main source of income
Person. 4. Main source of income
Person. 4. Main source of income
Person. 4. Main source of income
Main source of income
To be completed only for the persons aged 15+, members of the household
249
787
no income
1
salary/ wages
3
income from self-employed authorized non-agricultural ...
4
daily paid or occasional incomes
5
old age pension
6
disability, illness, veteran pension
7
agricultural (CAP) pension
8
unemployment/redundancy benefit
9
scholarship
10
child allowance
11
the minimum guaranteed income, social allowance
12
other social transfers
13
money received from relatives who work
14
private transfers
15
income from investments, savings or proprieties
16
income from self-employment agricultural activities
17
other
Sysmiss
Person. 5. Main occupation of household member
Person. 5. Main occupation of household member
Person. 5. Main occupation of household member
Person. 5. Main occupation of household member
Person. 5. Main occupation of household member
Main occupation
FOR PERSONS WITH OCCUPATION ONLY
To be completed only for the persons aged 15+, members of the household
9
1027
1
managers, business owners, entrepreneurs, mayor,...
2
intellectual occupations
3
technicians or foremen
4
clerks: secretary, librarian, cashier etc.
5
workers in services and commerce
6
qualified farmers or self-employed in agriculture
7
craftsmen and maintenance mechanics
8
skilled workers and operators
9
unskilled workers in non-agricultural sectors
10
daily workers/black market workers in agriculture ...
11
daily workers/black market workers in non-agricultural ...
12
military – all ranks
Sysmiss
Person. 5. Main source of income
Person. 5. Main source of income
Person. 5. Main source of income
Person. 5. Main source of income
Person. 5. Main source of income
Main source of income
To be completed only for the persons aged 15+, members of the household
51
985
no income
1
salary/ wages
3
income from self-employed authorized non-agricultural ...
4
daily paid or occasional incomes
5
old age pension
6
disability, illness, veteran pension
7
agricultural (CAP) pension
8
unemployment/redundancy benefit
9
scholarship
10
child allowance
11
the minimum guaranteed income, social allowance
12
other social transfers
13
money received from relatives who work
14
private transfers
15
income from investments, savings or proprieties
16
income from self-employment agricultural activities
17
other
Sysmiss
Person. 6. Main occupation of household member
Person. 6. Main occupation of household member
Person. 6. Main occupation of household member
Person. 6. Main occupation of household member
Person. 6. Main occupation of household member
Main occupation
FOR PERSONS WITH OCCUPATION ONLY
To be completed only for the persons aged 15+, members of the household
1
1035
1
managers, business owners, entrepreneurs, mayor,...
2
intellectual occupations
3
technicians or foremen
4
clerks: secretary, librarian, cashier etc.
5
workers in services and commerce
6
qualified farmers or self-employed in agriculture
7
craftsmen and maintenance mechanics
8
skilled workers and operators
9
unskilled workers in non-agricultural sectors
10
daily workers/black market workers in agriculture ...
11
daily workers/black market workers in non-agricultural ...
12
military – all ranks
Sysmiss
Person. 6. Main source of income
Person. 6. Main source of income
Person. 6. Main source of income
Person. 6. Main source of income
Person. 6. Main source of income
Main source of income
To be completed only for the persons aged 15+, members of the household
12
1024
no income
1
salary/ wages
3
income from self-employed authorized non-agricultural ...
4
daily paid or occasional incomes
5
old age pension
6
disability, illness, veteran pension
7
agricultural (CAP) pension
8
unemployment/redundancy benefit
9
scholarship
10
child allowance
11
the minimum guaranteed income, social allowance
12
other social transfers
13
money received from relatives who work
14
private transfers
15
income from investments, savings or proprieties
16
income from self-employment agricultural activities
17
other
Sysmiss
Person. 7. Main occupation of household member
Person. 7. Main occupation of household member
Person. 7. Main occupation of household member
Person. 7. Main occupation of household member
Person. 7. Main occupation of household member
Main occupation
FOR PERSONS WITH OCCUPATION ONLY
To be completed only for the persons aged 15+, members of the household
1036
1
managers, business owners, entrepreneurs, mayor,...
2
intellectual occupations
3
technicians or foremen
4
clerks: secretary, librarian, cashier etc.
5
workers in services and commerce
6
qualified farmers or self-employed in agriculture
7
craftsmen and maintenance mechanics
8
skilled workers and operators
9
unskilled workers in non-agricultural sectors
10
daily workers/black market workers in agriculture ...
11
daily workers/black market workers in non-agricultural ...
12
military – all ranks
Sysmiss
Person. 7. Main source of income
Person. 7. Main source of income
Person. 7. Main source of income
Person. 7. Main source of income
Person. 7. Main source of income
Main source of income
To be completed only for the persons aged 15+, members of the household
1
1035
no income
1
salary/ wages
3
income from self-employed authorized non-agricultural ...
4
daily paid or occasional incomes
5
old age pension
6
disability, illness, veteran pension
7
agricultural (CAP) pension
8
unemployment/redundancy benefit
9
scholarship
10
child allowance
11
the minimum guaranteed income, social allowance
12
other social transfers
13
money received from relatives who work
14
private transfers
15
income from investments, savings or proprieties
16
income from self-employment agricultural activities
17
other
Sysmiss
Last month (January, 2011), the total amount received from salaries, pensions, ch
Last month (January, 2011), the total amount received from salaries, pensions, ch
Last month (January, 2011), the total amount received from salaries, pensions, ch
Last month (January, 2011), the total amount received from salaries, pensions, ch
Last month (January, 2011), the total amount received from salaries, pensions, ch
Last month (January, 2011), the total amount received from salaries, pensions, child allowances, sales etc. by all household's members (including the respondent) was approximately...
1036
No income
1
5
8
Don’t know
9
No answer
100
120
140
142
150
160
170
180
200
248
250
260
280
290
295
296
297
300
305
308
309
310
315
317
320
340
341
350
355
360
370
390
395
400
409
420
450
470
500
520
550
600
610
630
640
650
660
680
696
700
750
800
850
870
895
900
939
950
1000
1035
1100
1196
1200
1250
1300
1350
1400
1500
1550
1600
1700
1750
1800
1900
1950
2000
2100
2250
2300
2500
2600
2800
3000
3050
3500
3700
3800
4000
4200
4500
5000
6500
And the total amount received by the respondent in KM was approximately
And the total amount received by the respondent in KM was approximately
And the total amount received by the respondent in KM was approximately
And the total amount received by the respondent in KM was approximately
And the total amount received by the respondent in KM was approximately
And the total amount received by the respondent (CPERS=01) in KM was approximately…
1036
No income
1
8
Don’t know
9
No answer
45
48
49
50
98
100
120
140
150
160
170
180
200
220
240
250
260
270
280
290
295
296
297
299
300
305
308
310
315
317
320
340
341
350
370
380
390
395
400
409
420
430
450
470
480
500
520
550
580
600
630
650
660
680
700
750
800
850
900
950
1000
1100
1200
1300
1400
1500
1600
1700
1800
2000
2300
5000
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
737
299
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
416
620
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
205
831
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
81
955
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
22
1014
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
3
1033
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
1036
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
619
417
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
332
704
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
130
906
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
40
996
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
11
1025
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
1036
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
259
777
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
101
935
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
32
1004
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
10
1026
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
2
1034
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
1036
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
122
914
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
48
988
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
14
1022
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
4
1032
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
1036
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
1036
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
20
1016
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
9
1027
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
6
1030
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
1036
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
1036
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
1036
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
2
1034
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
1036
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
1036
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
1036
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
1036
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
1036
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
1036
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
1036
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
1036
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
1036
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line.
1036
1
Consumer loan
2
Mortgage loan
3
Current account
4
Bank deposit
5
Bank debit card
6
Bank credit card
7
Insurance policies
8
Investments in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
13
Loans from usurers
14
Loans from relatives, friends, acquaintances.
15
Buying on credit from food shops
16
Buying on credit from the electrical appliances shops
Sysmiss
USF1a. What type of insurances policies do you have? Life insurance
USF1a. What type of insurances policies do you have? Life insurance
USF1a. What type of insurances policies do you have? Life insurance
USF1a. What type of insurances policies do you have? Life insurance
USF1a. What type of insurances policies do you have? Life insurance
If the respondent has insurance policies
What type of insurances policies do you have? Life insurance
316
720
1
Yes
2
No
Sysmiss
USF1b. What type of insurances policies do you have? Medical insurance
USF1b. What type of insurances policies do you have? Medical insurance
USF1b. What type of insurances policies do you have? Medical insurance
USF1b. What type of insurances policies do you have? Medical insurance
USF1b. What type of insurances policies do you have? Medical insurance
If the respondent has insurance policies
What type of insurances policies do you have? Medical insurance
316
720
1
Yes
2
No
Sysmiss
USF1c. What type of insurances policies do you have? Household insurance
USF1c. What type of insurances policies do you have? Household insurance
USF1c. What type of insurances policies do you have? Household insurance
USF1c. What type of insurances policies do you have? Household insurance
USF1c. What type of insurances policies do you have? Household insurance
If the respondent has insurance policies
What type of insurances policies do you have? Household insurance
316
720
1
Yes
2
No
Sysmiss
USF1d. What type of insurances policies do you have? Car insurance-CASCO
USF1d. What type of insurances policies do you have? Car insurance-CASCO
USF1d. What type of insurances policies do you have? Car insurance-CASCO
USF1d. What type of insurances policies do you have? Car insurance-CASCO
USF1d. What type of insurances policies do you have? Car insurance-CASCO
If the respondent has insurance policies
What type of insurances policies do you have? Car insurance-CASCO
316
720
1
Yes
2
No
Sysmiss
USF1e. What type of insurances policies do you have? Land/crop insurance
USF1e. What type of insurances policies do you have? Land/crop insurance
USF1e. What type of insurances policies do you have? Land/crop insurance
USF1e. What type of insurances policies do you have? Land/crop insurance
USF1e. What type of insurances policies do you have? Land/crop insurance
If the respondent has insurance policies
What type of insurances policies do you have? Land/crop insurance
316
720
1
Yes
2
No
Sysmiss
USF1f. What type of insurances policies do you have? Other...
USF1f. What type of insurances policies do you have? Other...
USF1f. What type of insurances policies do you have? Other...
USF1f. What type of insurances policies do you have? Other...
USF1f. What type of insurances policies do you have? Other...
If the respondent has insurance policies
What type of insurances policies do you have? Other...
316
720
1
Yes
2
No
Sysmiss
Other... (verbatim)
Other... (verbatim)
Other... (verbatim)
Other... (verbatim)
Other... (verbatim)
If the respondent has insurance policies
What type of insurances policies do you have? Other...
1036
Sysmiss
USF2. Type of the financial institution – a bank or a micro-credit organization L
USF2. Type of the financial institution – a bank or a micro-credit organization L
USF2. Type of the financial institution – a bank or a micro-credit organization L
USF2. Type of the financial institution – a bank or a micro-credit organization L
USF2. Type of the financial institution – a bank or a micro-credit organization L
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Type of the financial institution - a bank or a micro-credit organization
194
842
1
bank
2
micro-credit organization
8
No answer
Sysmiss
USF3. Loan repayment period (no of months)? LOAN 1
USF3. Loan repayment period (no of months)? LOAN 1
USF3. Loan repayment period (no of months)? LOAN 1
USF3. Loan repayment period (no of months)? LOAN 1
USF3. Loan repayment period (no of months)? LOAN 1
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Loan repayment period (no of months)?
194
842
1
4
6
9
10
12
15
18
24
26
27
36
48
50
60
64
80
84
120
134
150
180
181
998
No answer
Sysmiss
USF4. Is it a consumer or mortgage loan 1
USF4. Is it a consumer or mortgage loan 1
USF4. Is it a consumer or mortgage loan 1
USF4. Is it a consumer or mortgage loan 1
USF4. Is it a consumer or mortgage loan 1
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Is it a consumer or mortgage loan
194
842
1
consumer
2
mortgage
8
No answer
Sysmiss
USF5. Is it a domestic or foreign currency loan 1
USF5. Is it a domestic or foreign currency loan 1
USF5. Is it a domestic or foreign currency loan 1
USF5. Is it a domestic or foreign currency loan 1
USF5. Is it a domestic or foreign currency loan 1
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Is it a domestic or foreign currency loan
194
842
1
KM
2
foreign currency
8
No answer
Sysmiss
USF6. Is the interest rate fixed or variable? loan 1
USF6. Is the interest rate fixed or variable? loan 1
USF6. Is the interest rate fixed or variable? loan 1
USF6. Is the interest rate fixed or variable? loan 1
USF6. Is the interest rate fixed or variable? loan 1
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Is the interest rate fixed or variable?
194
842
1
fixed
2
variable
8
No answer
Sysmiss
USF7. Are you currently behind with repayment of your installments? loan 1
USF7. Are you currently behind with repayment of your installments? loan 1
USF7. Are you currently behind with repayment of your installments? loan 1
USF7. Are you currently behind with repayment of your installments? loan 1
USF7. Are you currently behind with repayment of your installments? loan 1
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Are you currently behind with repayment of your installments?
194
842
1
Yes
2
No
8
No answer
Sysmiss
USF8. Do you face difficulties with repayment of your loan instalments? Loan 1
USF8. Do you face difficulties with repayment of your loan instalments? Loan 1
USF8. Do you face difficulties with repayment of your loan instalments? Loan 1
USF8. Do you face difficulties with repayment of your loan instalments? Loan 1
USF8. Do you face difficulties with repayment of your loan instalments? Loan 1
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Do you face difficulties with repayment of your loan instalments?
194
842
1
Yes
2
No
8
No answer
Sysmiss
USF2. Type of the financial institution – a bank or a micro-credit organization L
USF2. Type of the financial institution – a bank or a micro-credit organization L
USF2. Type of the financial institution – a bank or a micro-credit organization L
USF2. Type of the financial institution – a bank or a micro-credit organization L
USF2. Type of the financial institution – a bank or a micro-credit organization L
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Type of the financial institution - a bank or a micro-credit organization
194
842
1
bank
2
micro-credit organization
8
No answer
Sysmiss
USF3. Loan repayment period (no of months)? LOAN 2
USF3. Loan repayment period (no of months)? LOAN 2
USF3. Loan repayment period (no of months)? LOAN 2
USF3. Loan repayment period (no of months)? LOAN 2
USF3. Loan repayment period (no of months)? LOAN 2
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Loan repayment period (no of months)?
18
1018
2
12
24
36
48
60
84
120
998
No answer
Sysmiss
USF4. Is it a consumer or mortgage loan 2
USF4. Is it a consumer or mortgage loan 2
USF4. Is it a consumer or mortgage loan 2
USF4. Is it a consumer or mortgage loan 2
USF4. Is it a consumer or mortgage loan 2
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Is it a consumer or mortgage loan ?
18
1018
1
consumer
2
mortgage
8
No answer
Sysmiss
USF5. Is it a domestic or foreign currency loan 2
USF5. Is it a domestic or foreign currency loan 2
USF5. Is it a domestic or foreign currency loan 2
USF5. Is it a domestic or foreign currency loan 2
USF5. Is it a domestic or foreign currency loan 2
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Is it a domestic or foreign currency loan ?
18
1018
1
KM
2
foreign currency
8
No answer
Sysmiss
USF6. Is the interest rate fixed or variable? loan 2
USF6. Is the interest rate fixed or variable? loan 2
USF6. Is the interest rate fixed or variable? loan 2
USF6. Is the interest rate fixed or variable? loan 2
USF6. Is the interest rate fixed or variable? loan 2
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Is the interest rate fixed or variable?
18
1018
1
fixed
2
variable
8
No answer
Sysmiss
USF7. Are you currently behind with repayment of your installments? loan 2
USF7. Are you currently behind with repayment of your installments? loan 2
USF7. Are you currently behind with repayment of your installments? loan 2
USF7. Are you currently behind with repayment of your installments? loan 2
USF7. Are you currently behind with repayment of your installments? loan 2
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Are you currently behind with repayment of your installments?
18
1018
1
Yes
2
No
8
No answer
Sysmiss
USF8. Do you face difficulties with repayment of your loan instalments? Loan 2
USF8. Do you face difficulties with repayment of your loan instalments? Loan 2
USF8. Do you face difficulties with repayment of your loan instalments? Loan 2
USF8. Do you face difficulties with repayment of your loan instalments? Loan 2
USF8. Do you face difficulties with repayment of your loan instalments? Loan 2
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Do you face difficulties with repayment of your loan instalments?
18
1018
1
Yes
2
No
8
No answer
Sysmiss
USF2. Type of the financial institution – a bank or a micro-credit organization L
USF2. Type of the financial institution – a bank or a micro-credit organization L
USF2. Type of the financial institution – a bank or a micro-credit organization L
USF2. Type of the financial institution – a bank or a micro-credit organization L
USF2. Type of the financial institution – a bank or a micro-credit organization L
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Type of the financial institution - a bank or a micro-credit organization
18
1018
1
bank
2
micro-credit organization
8
No answer
Sysmiss
USF3. Loan repayment period (no of months)? LOAN 3
USF3. Loan repayment period (no of months)? LOAN 3
USF3. Loan repayment period (no of months)? LOAN 3
USF3. Loan repayment period (no of months)? LOAN 3
USF3. Loan repayment period (no of months)? LOAN 3
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Loan repayment period (no of months)?
1
1035
24
998
No answer
Sysmiss
USF4. Is it a consumer or mortgage loan 3
USF4. Is it a consumer or mortgage loan 3
USF4. Is it a consumer or mortgage loan 3
USF4. Is it a consumer or mortgage loan 3
USF4. Is it a consumer or mortgage loan 3
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Is it a consumer or mortgage loan ?
1
1035
1
consumer
2
mortgage
8
No answer
Sysmiss
USF5. Is it a domestic or foreign currency loan 3
USF5. Is it a domestic or foreign currency loan 3
USF5. Is it a domestic or foreign currency loan 3
USF5. Is it a domestic or foreign currency loan 3
USF5. Is it a domestic or foreign currency loan 3
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Is it a domestic or foreign currency loan ?
1
1035
1
KM
2
foreign currency
8
No answer
Sysmiss
USF6. Is the interest rate fixed or variable? loan 3
USF6. Is the interest rate fixed or variable? loan 3
USF6. Is the interest rate fixed or variable? loan 3
USF6. Is the interest rate fixed or variable? loan 3
USF6. Is the interest rate fixed or variable? loan 3
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Is the interest rate fixed or variable?
1
1035
1
fixed
2
variable
8
No answer
Sysmiss
USF7. Are you currently behind with repayment of your installments? loan 3
USF7. Are you currently behind with repayment of your installments? loan 3
USF7. Are you currently behind with repayment of your installments? loan 3
USF7. Are you currently behind with repayment of your installments? loan 3
USF7. Are you currently behind with repayment of your installments? loan 3
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Are you currently behind with repayment of your installments?
1
1035
1
Yes
2
No
8
No answer
Sysmiss
USF8. Do you face difficulties with repayment of your loan instalments? Loan 3
USF8. Do you face difficulties with repayment of your loan instalments? Loan 3
USF8. Do you face difficulties with repayment of your loan instalments? Loan 3
USF8. Do you face difficulties with repayment of your loan instalments? Loan 3
USF8. Do you face difficulties with repayment of your loan instalments? Loan 3
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Do you face difficulties with repayment of your loan instalments?
1
1035
1
Yes
2
No
8
No answer
Sysmiss
USF8. Did you happen to buy a financial service during the last five years with w
USF8. Did you happen to buy a financial service during the last five years with w
USF8. Did you happen to buy a financial service during the last five years with w
USF8. Did you happen to buy a financial service during the last five years with w
USF8. Did you happen to buy a financial service during the last five years with w
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Did you happen to buy a financial service during the last five years with which you were not satisfied later as the service did not meet your needs?
1036
1
Yes
2
No
7
Does not use any Financial Service
9
Don’t know
USF8A. What kind of service was it?
USF8A. What kind of service was it?
USF8A. What kind of service was it?
USF8A. What kind of service was it?
USF8A. What kind of service was it?
If Yes (code 1 at USF8)
What kind of service was it?
Multiple responses possible
43
993
1
A consumer loan
2
A mortgage loan
3
Current account
4
Bank deposit (savings)
5
A bank debit card
6
A credit card
7
An insurance policy
8
Investment in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
Sysmiss
USF8A. What kind of service was it?
USF8A. What kind of service was it?
USF8A. What kind of service was it?
USF8A. What kind of service was it?
USF8A. What kind of service was it?
If Yes (code 1 at USF8)
What kind of service was it?
Multiple responses possible
1
1035
1
A consumer loan
2
A mortgage loan
3
Current account
4
Bank deposit (savings)
5
A bank debit card
6
A credit card
7
An insurance policy
8
Investment in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
Sysmiss
USF8A. What kind of service was it?
USF8A. What kind of service was it?
USF8A. What kind of service was it?
USF8A. What kind of service was it?
USF8A. What kind of service was it?
If Yes (code 1 at USF8)
What kind of service was it?
Multiple responses possible
1036
1
A consumer loan
2
A mortgage loan
3
Current account
4
Bank deposit (savings)
5
A bank debit card
6
A credit card
7
An insurance policy
8
Investment in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
Sysmiss
USF8A. What kind of service was it?
USF8A. What kind of service was it?
USF8A. What kind of service was it?
USF8A. What kind of service was it?
USF8A. What kind of service was it?
If Yes (code 1 at USF8)
What kind of service was it?
Multiple responses possible
1036
1
A consumer loan
2
A mortgage loan
3
Current account
4
Bank deposit (savings)
5
A bank debit card
6
A credit card
7
An insurance policy
8
Investment in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
Sysmiss
USF8A. What kind of service was it?
USF8A. What kind of service was it?
USF8A. What kind of service was it?
USF8A. What kind of service was it?
USF8A. What kind of service was it?
If Yes (code 1 at USF8)
What kind of service was it?
Multiple responses possible
1036
1
A consumer loan
2
A mortgage loan
3
Current account
4
Bank deposit (savings)
5
A bank debit card
6
A credit card
7
An insurance policy
8
Investment in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
Sysmiss
USF8A. What kind of service was it?
USF8A. What kind of service was it?
USF8A. What kind of service was it?
USF8A. What kind of service was it?
USF8A. What kind of service was it?
If Yes (code 1 at USF8)
What kind of service was it?
Multiple responses possible
1036
1
A consumer loan
2
A mortgage loan
3
Current account
4
Bank deposit (savings)
5
A bank debit card
6
A credit card
7
An insurance policy
8
Investment in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
Sysmiss
USF8A. What kind of service was it?
USF8A. What kind of service was it?
USF8A. What kind of service was it?
USF8A. What kind of service was it?
USF8A. What kind of service was it?
If Yes (code 1 at USF8)
What kind of service was it?
Multiple responses possible
1036
1
A consumer loan
2
A mortgage loan
3
Current account
4
Bank deposit (savings)
5
A bank debit card
6
A credit card
7
An insurance policy
8
Investment in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
Sysmiss
USF8A. What kind of service was it?
USF8A. What kind of service was it?
USF8A. What kind of service was it?
USF8A. What kind of service was it?
USF8A. What kind of service was it?
If Yes (code 1 at USF8)
What kind of service was it?
Multiple responses possible
1036
1
A consumer loan
2
A mortgage loan
3
Current account
4
Bank deposit (savings)
5
A bank debit card
6
A credit card
7
An insurance policy
8
Investment in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
Sysmiss
USF8A. What kind of service was it?
USF8A. What kind of service was it?
USF8A. What kind of service was it?
USF8A. What kind of service was it?
USF8A. What kind of service was it?
If Yes (code 1 at USF8)
What kind of service was it?
Multiple responses possible
1036
1
A consumer loan
2
A mortgage loan
3
Current account
4
Bank deposit (savings)
5
A bank debit card
6
A credit card
7
An insurance policy
8
Investment in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
Sysmiss
USF8A. What kind of service was it?
USF8A. What kind of service was it?
USF8A. What kind of service was it?
USF8A. What kind of service was it?
USF8A. What kind of service was it?
If Yes (code 1 at USF8)
What kind of service was it?
Multiple responses possible
1036
1
A consumer loan
2
A mortgage loan
3
Current account
4
Bank deposit (savings)
5
A bank debit card
6
A credit card
7
An insurance policy
8
Investment in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
Sysmiss
USF8A. What kind of service was it?
USF8A. What kind of service was it?
USF8A. What kind of service was it?
USF8A. What kind of service was it?
USF8A. What kind of service was it?
If Yes (code 1 at USF8)
What kind of service was it?
Multiple responses possible
1036
1
A consumer loan
2
A mortgage loan
3
Current account
4
Bank deposit (savings)
5
A bank debit card
6
A credit card
7
An insurance policy
8
Investment in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
Sysmiss
USF8A. What kind of service was it?
USF8A. What kind of service was it?
USF8A. What kind of service was it?
USF8A. What kind of service was it?
USF8A. What kind of service was it?
If Yes (code 1 at USF8)
What kind of service was it?
Multiple responses possible
1036
1
A consumer loan
2
A mortgage loan
3
Current account
4
Bank deposit (savings)
5
A bank debit card
6
A credit card
7
An insurance policy
8
Investment in stocks
9
Investment funds
10
Vehicle/land loans
11
Pawning goods
12
Loans from microcredit organizations
Sysmiss
USF8B. What did you do after you discovered the problem?
USF8B. What did you do after you discovered the problem?
USF8B. What did you do after you discovered the problem?
USF8B. What did you do after you discovered the problem?
USF8B. What did you do after you discovered the problem?
What did you do after you discovered the problem?
Multiple responses possible
43
993
1
Nothing
2
I stopped using the service before the contract expired
3
I submitted a complaint to the company which sold me...
4
I submitted a complaint to the appropriate government...
5
Other
6
withdraw from loan
99
Don’t know, Don’t remember
Sysmiss
USF8B. What did you do after you discovered the problem?
USF8B. What did you do after you discovered the problem?
USF8B. What did you do after you discovered the problem?
USF8B. What did you do after you discovered the problem?
USF8B. What did you do after you discovered the problem?
What did you do after you discovered the problem?
Multiple responses possible
1036
1
Nothing
2
I stopped using the service before the contract expired
3
I submitted a complaint to the company which sold me...
4
I submitted a complaint to the appropriate government...
5
Other
6
withdraw from loan
99
Don’t know, Don’t remember
Sysmiss
USF8B. What did you do after you discovered the problem?
USF8B. What did you do after you discovered the problem?
USF8B. What did you do after you discovered the problem?
USF8B. What did you do after you discovered the problem?
USF8B. What did you do after you discovered the problem?
What did you do after you discovered the problem?
Multiple responses possible
1036
1
Nothing
2
I stopped using the service before the contract expired
3
I submitted a complaint to the company which sold me...
4
I submitted a complaint to the appropriate government...
5
Other
6
withdraw from loan
99
Don’t know, Don’t remember
Sysmiss
USF8B. What did you do after you discovered the problem?
USF8B. What did you do after you discovered the problem?
USF8B. What did you do after you discovered the problem?
USF8B. What did you do after you discovered the problem?
USF8B. What did you do after you discovered the problem?
What did you do after you discovered the problem?
Multiple responses possible
1036
1
Nothing
2
I stopped using the service before the contract expired
3
I submitted a complaint to the company which sold me...
4
I submitted a complaint to the appropriate government...
5
Other
6
withdraw from loan
99
Don’t know, Don’t remember
Sysmiss
USF8B. What did you do after you discovered the problem?
USF8B. What did you do after you discovered the problem?
USF8B. What did you do after you discovered the problem?
USF8B. What did you do after you discovered the problem?
USF8B. What did you do after you discovered the problem?
What did you do after you discovered the problem?
Multiple responses possible
1036
1
Nothing
2
I stopped using the service before the contract expired
3
I submitted a complaint to the company which sold me...
4
I submitted a complaint to the appropriate government...
5
Other
6
withdraw from loan
99
Don’t know, Don’t remember
Sysmiss
USF8B. What did you do after you discovered the problem?
USF8B. What did you do after you discovered the problem?
USF8B. What did you do after you discovered the problem?
USF8B. What did you do after you discovered the problem?
USF8B. What did you do after you discovered the problem?
What did you do after you discovered the problem?
Multiple responses possible
1036
1
Nothing
2
I stopped using the service before the contract expired
3
I submitted a complaint to the company which sold me...
4
I submitted a complaint to the appropriate government...
5
Other
6
withdraw from loan
99
Don’t know, Don’t remember
Sysmiss
VENSUB. Which of the descriptions comes closest to your households income nowaday
VENSUB. Which of the descriptions comes closest to your households income nowaday
VENSUB. Which of the descriptions comes closest to your households income nowaday
VENSUB. Which of the descriptions comes closest to your households income nowaday
VENSUB. Which of the descriptions comes closest to your households income nowaday
Which of the descriptions comes closest to your household's income nowadays?
1036
1
We hardly make the ends meet.
2
We have enough money to buy food but buying clothes ...
3
We have enough money to buy food and clothes. But ...
4
We have no trouble buying durable goods, but purchase...
5
We can afford quite expensive things.
9
Don’t know
UTILa. Car
UTILa. Car
UTILa. Car
UTILa. Car
UTILa. Car
Does your household have...? Car
1036
1
Yes
2
No
UTILb. Landline telephone
UTILb. Landline telephone
UTILb. Landline telephone
UTILb. Landline telephone
UTILb. Landline telephone
Does your household have...? Landline telephone
1036
1
Yes
2
No
UTILc. Computer (PC)
UTILc. Computer (PC)
UTILc. Computer (PC)
UTILc. Computer (PC)
UTILc. Computer (PC)
Does your household have...? Computer (PC)
1036
1
Yes
2
No
UTILd. Access to Internet
UTILd. Access to Internet
UTILd. Access to Internet
UTILd. Access to Internet
UTILd. Access to Internet
Does your household have...? Access to Internet
1036
1
Yes
2
No
LOC1. The dwelling is …
LOC1. The dwelling is …
LOC1. The dwelling is …
LOC1. The dwelling is …
LOC1. The dwelling is …
The dwelling is …
1. in a central area of the village/town/city
2. in a peripheral area of the village/town/city
3. in other area of the village/town/city
1036
1
in a central area of the village/town/city
2
in a peripheral area of the village/town/city
3
in other area of the village/town/city
LOC2. The dwelling is …
LOC2. The dwelling is …
LOC2. The dwelling is …
LOC2. The dwelling is …
LOC2. The dwelling is …
The dwelling is …
1. in a good area
2. in a poor area
3. in a bad-famed area
4. in a rather good area
1036
1
in a good area
2
in a poor area
3
in a bad-famed area
4
in a rather good area
D1.a. Did you travel abroad?
D1.a. Did you travel abroad?
D1.a. Did you travel abroad?
D1.a. Did you travel abroad?
D1.a. Did you travel abroad?
After 2000
Did you travel abroad?
1036
1
Yes
2
No
D1.b. Did you work abroad?
D1.b. Did you work abroad?
D1.b. Did you work abroad?
D1.b. Did you work abroad?
D1.b. Did you work abroad?
After 2000
Did you work abroad?
1036
1
Yes
2
No
D1.c. Did anyone else from your household work abroad?
D1.c. Did anyone else from your household work abroad?
D1.c. Did anyone else from your household work abroad?
D1.c. Did anyone else from your household work abroad?
D1.c. Did anyone else from your household work abroad?
After 2000
Did anyone else from your household work abroad?
1036
1
Yes
2
No
D2. After graduating did you take any other courses for specialization / requalif
D2. After graduating did you take any other courses for specialization / requalif
D2. After graduating did you take any other courses for specialization / requalif
D2. After graduating did you take any other courses for specialization / requalif
D2. After graduating did you take any other courses for specialization / requalif
After graduating did you take any other courses for specialization / requalification?
1036
1
Yes
2
No
7
N/A (she/he is in school now)
NAT. What is your ethnicity?
NAT. What is your ethnicity?
NAT. What is your ethnicity?
NAT. What is your ethnicity?
NAT. What is your ethnicity?
What is your ethnicity?
1036
1
Bosniac
2
Croat
3
Serb
4
Other
Interview end time
Interview end time
Interview end time
Interview end time
Interview end time
Interview end time
1036
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