DDI_RUS_2008_FLDS_v01_M_WB
2012-04-30
NADA
Financial Literacy Diagnostic Surveys 2008 and 2009 (Panel)
FLDS 2008-09
RUS_2008_FLDS_v01_M
National Agency for Financial Studies (NAFS)
NADA
World Bank
Other Household Health Survey [hh/hea]
The Russia Financial Literacy diagnostic survey was undertaken as part of the preparation for the World Bank supported Russia Financial literacy and Financial education program in 2008.
The survey was conducted by the National Agency for Financial Studies (NAFS) in 2008 by request of the World Bank.
The national representative survey was aimed to provide information on the initial level of financial literacy (i.e. financial planning and managing debt, attitudes to/understanding of personal responsibilities and consumer rights in the area of financial services, knowledge of financial products/services, etc.). The survey asked basic questions on features of financial behavior, attitudes to and demand for financial education of the Russian population.
Russian Federation
National
Household, Individual
Sample survey data [ssd]
Face-to-face [f2f]
World_Bank_Russia_Panel_FinLit_survey
1. Both waves of the Russian financial literacy survey (2008 and 2009) have been merged into a single dataset.
2. Balanced panels are identified by the variable Panel_ID, whereas Year represents the time variable.
3. The variables (Q1), (Q39), (Q50) and (Q108) which are associated with Question 1, 39, 50 and 108 were not delivered in the dataset.
4. For questions with an "other" response category (e.g. Q102, Q109 etc.) the information was specified and captured in an additional variable (e.g Q102_oth, Q109_oth, etc.). Though, this information has not been translated into English and properly entered into the data set afterwards.
5. For multiple choice questions, each selection made by the individual is saved as a unique variable. For instance, question 102 allowed for multiple choices and if a person selected 3 of the given options, each of his choice will be a saved as Q102_1, Q102_2 and Q102_3 respectively. For the same question, if another person selected only two items, his choices will be saved under Q102_1 and Q102_2 while the third variable Q102_3 will indicate a missing value (.). If the respondent answered the multiple response question with "Don't know", then only the first variable Q102_1 will be accordingly coded (99). All the other multiple responses variables will be coded as a missing value (.) for this respondent.
2966
177
Year of Survey
Year of Survey
Year of Survey
Year of Survey
Year of Survey
2966
2008
2009
Respondent ID (unbalanced)
Respondent ID (unbalanced)
Respondent ID (unbalanced)
Respondent ID (unbalanced)
Respondent ID (unbalanced)
2966
1
1600
789.769
466.334
Balanced panel ID
Balanced panel ID
Balanced panel ID
Balanced panel ID
Balanced panel ID
2152
814
1
1599
764.493
460.689
Federal Region
Federal Region
Federal Region
Federal Region
Federal Region
2966
1
Central Federal District
2
North-Western Federsl District
3
Southern Federal District
4
Volga Federal District
5
Urals Federal District
6
Siberian Federal District
7
Far-Eastern Federal district
Subregion Code
Subregion Code
Subregion Code
Subregion Code
Subregion Code
2966
1
99
46.679
27.799
Location
Location
Location
Location
Location
2966
1
153
77.391
42.855
Min. Residency
Min. Residency
Min. Residency
Min. Residency
Min. Residency
1600
1366
3510
6973
4471.91
850.692
Size of Settlement
Size of Settlement
Size of Settlement
Size of Settlement
Size of Settlement
2966
1
Moscow and St. Petersburg
2
Over 1mil
3
500K-1mil
4
100-500K
5
50-100K
6
Under 50K
7
Small town
8
Village
Financial situation of your family
Financial situation of your family
Financial situation of your family
Financial situation of your family
Financial situation of your family
1600
1366
1
Very good
2
Good
3
Satisfactory
4
Bad
5
Very bad
99
Don't know
999
No answer
Sysmiss
Family had any unspent income during the past year
Family had any unspent income during the past year
Family had any unspent income during the past year
Family had any unspent income during the past year
Family had any unspent income during the past year
How often during the last year you (your family) had any money unspent from previous earnings before the next moment for new revenues arrived (wages, pension, scholarship, benefit)?
Interviewer: the last year is understood here as the period between June 2008 and June 2009 including.
If Never --> MOVE TO QUESTION 4
2966
1
Always
2
Very often
3
Sometimes
4
Very rarely
5
Never
99
Don't know
999
No answer
What did family usually do with unspent income
What did family usually do with unspent income
What did family usually do with unspent income
What did family usually do with unspent income
What did family usually do with unspent income
If you (your family) have/has any money left right before the next revenue arrives, what would you usually do with it? Card #2
Not more than 4 choices.
996
1970
1
We spend it on consumer goods
2
We keep it in cash
3
We deposit it or do not withdraw it from the account
4
We invest it in the capital market
5
We loan it to friends or relatives
6
We invest it in our own business
7
We invest it in gold and jewelry
8
Other
99
Don't know
999
No answer
Sysmiss
What did family usually do with unspent income
What did family usually do with unspent income
What did family usually do with unspent income
What did family usually do with unspent income
What did family usually do with unspent income
If you (your family) have/has any money left right before the next revenue arrives, what would you usually do with it? Card #2
Not more than 4 choices.
238
2728
1
We spend it on consumer goods
2
We keep it in cash
3
We deposit it or do not withdraw it from the account
4
We invest it in the capital market
5
We loan it to friends or relatives
6
We invest it in our own business
7
We invest it in gold and jewelry
8
Other
99
Don't know
999
No answer
Sysmiss
What did family usually do with unspent income
What did family usually do with unspent income
What did family usually do with unspent income
What did family usually do with unspent income
What did family usually do with unspent income
If you (your family) have/has any money left right before the next revenue arrives, what would you usually do with it? Card #2
Not more than 4 choices.
58
2908
1
We spend it on consumer goods
2
We keep it in cash
3
We deposit it or do not withdraw it from the account
4
We invest it in the capital market
5
We loan it to friends or relatives
6
We invest it in our own business
7
We invest it in gold and jewelry
8
Other
99
Don't know
999
No answer
Sysmiss
What did family usually do with unspent income
What did family usually do with unspent income
What did family usually do with unspent income
What did family usually do with unspent income
What did family usually do with unspent income
If you (your family) have/has any money left right before the next revenue arrives, what would you usually do with it? Card #2
Not more than 4 choices.
24
2942
1
We spend it on consumer goods
2
We keep it in cash
3
We deposit it or do not withdraw it from the account
4
We invest it in the capital market
5
We loan it to friends or relatives
6
We invest it in our own business
7
We invest it in gold and jewelry
8
Other
99
Don't know
999
No answer
Sysmiss
What did family usually do with unspent income
What did family usually do with unspent income
What did family usually do with unspent income
What did family usually do with unspent income
What did family usually do with unspent income
If you (your family) have/has any money left right before the next revenue arrives, what would you usually do with it? Card #2
24
â îáðàçîâàíèå
â ñåìüþ
âêëàäûâàåì â äà÷ó
äåíã íå îñòàåòñÿ
äåòÿì ïîìîãàþ
äëÿ ðàçâåäåíèÿ è ñîäåðæàíèÿ êóð
íà ÷åðíûé äåíü
íå îñòàåòñÿ
îñòàâëÿþ íà íàëîãè
îòäàåì äåòÿì
îòäàëè äîëãè
îòäàþ äåòÿì
îòäàþ äî÷êå
îòêëàäûâàòü íà ïîêóïêó íîâîé ìåáåëè
ïîêóïàåì áîëüøèå âåùè
ïîìîãàþ ðîäèòåëÿì
ðåìîíò
ðåìîíòèðóåì äîì
ñâîèì îòäàì
ñòðîèòåëüñòâî äà÷è
òðàòèì íà ñòðîèòåëüñòâî æèëüÿ
òðà÷ó íà ëå÷åíèå
ó ìåíÿ íåò äåíåã
How often did your family run out of money during the last year
How often did your family run out of money during the last year
How often did your family run out of money during the last year
How often did your family run out of money during the last year
How often did your family run out of money during the last year
How often during the last year did you (your family) run out of money from previous earnings before the new money arrived (wages, pension, scholarship, benefit, etc.)?
Interviewer: IF QUESTION 2 = 1 THEN MOVE TO QUESTION 5
If Never --> MOVE TO QUESTION 6
2650
316
1
Always
2
Very often
3
Sometimes
4
Very rarely
5
Never
99
Don't know
999
No answer
Sysmiss
What did family usually do whet it ran out of money
What did family usually do whet it ran out of money
What did family usually do whet it ran out of money
What did family usually do whet it ran out of money
What did family usually do whet it ran out of money
What do you usually do when you (your family) run(s) out of money before the next income arrives?
Card #3
Any number of choices.
1255
1711
1
We cut down expenses and save
2
We borrow money from relatives, friends and acquaintances
3
We spend our savings
4
We use a credit card
5
We sell our securities/shares
6
We borrow cash on bank credit
7
Our friends and relatives give us money free of charge
8
We work extra hours or do additional jobs
9
We withdraw a required amount from our business
10
Other
99
Don't know
999
No answer
Sysmiss
What did family usually do whet it ran out of money
What did family usually do whet it ran out of money
What did family usually do whet it ran out of money
What did family usually do whet it ran out of money
What did family usually do whet it ran out of money
What do you usually do when you (your family) run(s) out of money before the next income arrives?
Card #3
Any number of choices.
488
2478
1
We cut down expenses and save
2
We borrow money from relatives, friends and acquaintances
3
We spend our savings
4
We use a credit card
5
We sell our securities/shares
6
We borrow cash on bank credit
7
Our friends and relatives give us money free of charge
8
We work extra hours or do additional jobs
9
We withdraw a required amount from our business
10
Other
99
Don't know
999
No answer
Sysmiss
What did family usually do whet it ran out of money
What did family usually do whet it ran out of money
What did family usually do whet it ran out of money
What did family usually do whet it ran out of money
What did family usually do whet it ran out of money
What do you usually do when you (your family) run(s) out of money before the next income arrives?
Card #3
Any number of choices.
106
2860
1
We cut down expenses and save
2
We borrow money from relatives, friends and acquaintances
3
We spend our savings
4
We use a credit card
5
We sell our securities/shares
6
We borrow cash on bank credit
7
Our friends and relatives give us money free of charge
8
We work extra hours or do additional jobs
9
We withdraw a required amount from our business
10
Other
99
Don't know
999
No answer
Sysmiss
What did family usually do whet it ran out of money
What did family usually do whet it ran out of money
What did family usually do whet it ran out of money
What did family usually do whet it ran out of money
What did family usually do whet it ran out of money
What do you usually do when you (your family) run(s) out of money before the next income arrives?
Card #3
Any number of choices.
14
2952
1
We cut down expenses and save
2
We borrow money from relatives, friends and acquaintances
3
We spend our savings
4
We use a credit card
5
We sell our securities/shares
6
We borrow cash on bank credit
7
Our friends and relatives give us money free of charge
8
We work extra hours or do additional jobs
9
We withdraw a required amount from our business
10
Other
99
Don't know
999
No answer
Sysmiss
What did family usually do whet it ran out of money
What did family usually do whet it ran out of money
What did family usually do whet it ran out of money
What did family usually do whet it ran out of money
What did family usually do whet it ran out of money
What do you usually do when you (your family) run(s) out of money before the next income arrives?
Card #3
Any number of choices.
13
Ñíèìàåì äåíüãè ñî ñ÷åòà
áåðó â ìàãàçèíå ïðîäóêòû â äîëã
âîäà è õëåá
äåòè ìíå âñå ïîêóïàþò, íå çíàþ êàê îíè ýêîíîìÿò
äóìàþ, ãäå èõ äîñòàòü è äîñòàþ
æäó ñëåäóþùóó çàðïëàòó
çàíèìàåìñÿ ïðèóñàäåáíûì õîçÿéñòâîì
íè÷åãî
ïîäðàáîòêà
ïðîäàæà ïðîäóêòîâ ñ/õ
ïðîäàæà ïðîäóêöèè ñâîåãî õîçÿéñòâà
òàê îáõîäèìñÿ
Did family experience an unexpected significant reduction in income
Did family experience an unexpected significant reduction in income
Did family experience an unexpected significant reduction in income
Did family experience an unexpected significant reduction in income
Did family experience an unexpected significant reduction in income
Did you (your family) experience an unexpected significant reduction of your income over the last three years, and if so, then what was the reason?
Card # 4
Any number of choices.
If No --> MOVE TO QUESTION 8
1600
1366
1
No, over the last three years I (my family) had not experienced any unexpected significant reduction of income
2
Yes, due to the loss of a job because of an accident, deterioration of health, disability of a breadwinner
3
Yes, due to the loss of a job by a breadwinner because of staff reduction, dismissal from work, etc.
4
Yes, due to the considerable reduction of salary, or delays with salary payment
5
Yes, due to the drop in income resulting from breakup, separation or divorce
6
Yes, due to the reduction of investment income
7
Yes, due to retirement of the main breadwinner
8
Yes, due to another reason
99
Don't know
999
No answer
Sysmiss
Did family experience an unexpected significant reduction in income
Did family experience an unexpected significant reduction in income
Did family experience an unexpected significant reduction in income
Did family experience an unexpected significant reduction in income
Did family experience an unexpected significant reduction in income
Did you (your family) experience an unexpected significant reduction of your income over the last three years, and if so, then what was the reason?
Card # 4
Any number of choices.
If No --> MOVE TO QUESTION 8
56
2910
1
No, over the last three years I (my family) had not experienced any unexpected significant reduction of income
2
Yes, due to the loss of a job because of an accident, deterioration of health, disability of a breadwinner
3
Yes, due to the loss of a job by a breadwinner because of staff reduction, dismissal from work, etc.
4
Yes, due to the considerable reduction of salary, or delays with salary payment
5
Yes, due to the drop in income resulting from breakup, separation or divorce
6
Yes, due to the reduction of investment income
7
Yes, due to retirement of the main breadwinner
8
Yes, due to another reason
99
Don't know
999
No answer
Sysmiss
Did family experience an unexpected significant reduction in income
Did family experience an unexpected significant reduction in income
Did family experience an unexpected significant reduction in income
Did family experience an unexpected significant reduction in income
Did family experience an unexpected significant reduction in income
Did you (your family) experience an unexpected significant reduction of your income over the last three years, and if so, then what was the reason?
Card # 4
Any number of choices.
If No --> MOVE TO QUESTION 8
6
2960
1
No, over the last three years I (my family) had not experienced any unexpected significant reduction of income
2
Yes, due to the loss of a job because of an accident, deterioration of health, disability of a breadwinner
3
Yes, due to the loss of a job by a breadwinner because of staff reduction, dismissal from work, etc.
4
Yes, due to the considerable reduction of salary, or delays with salary payment
5
Yes, due to the drop in income resulting from breakup, separation or divorce
6
Yes, due to the reduction of investment income
7
Yes, due to retirement of the main breadwinner
8
Yes, due to another reason
99
Don't know
999
No answer
Sysmiss
Did family experience an unexpected significant reduction in income
Did family experience an unexpected significant reduction in income
Did family experience an unexpected significant reduction in income
Did family experience an unexpected significant reduction in income
Did family experience an unexpected significant reduction in income
Did you (your family) experience an unexpected significant reduction of your income over the last three years, and if so, then what was the reason?
Card # 4
Any number of choices.
If No --> MOVE TO QUESTION 8
2966
1
No, over the last three years I (my family) had not experienced any unexpected significant reduction of income
2
Yes, due to the loss of a job because of an accident, deterioration of health, disability of a breadwinner
3
Yes, due to the loss of a job by a breadwinner because of staff reduction, dismissal from work, etc.
4
Yes, due to the considerable reduction of salary, or delays with salary payment
5
Yes, due to the drop in income resulting from breakup, separation or divorce
6
Yes, due to the reduction of investment income
7
Yes, due to retirement of the main breadwinner
8
Yes, due to another reason
99
Don't know
999
No answer
Sysmiss
Did family experience an unexpected significant reduction in income
Did family experience an unexpected significant reduction in income
Did family experience an unexpected significant reduction in income
Did family experience an unexpected significant reduction in income
Did family experience an unexpected significant reduction in income
Did you (your family) experience an unexpected significant reduction of your income over the last three years, and if so, then what was the reason?
Card # 4
Any number of choices.
If No --> MOVE TO QUESTION 8
2966
1
No, over the last three years I (my family) had not experienced any unexpected significant reduction of income
2
Yes, due to the loss of a job because of an accident, deterioration of health, disability of a breadwinner
3
Yes, due to the loss of a job by a breadwinner because of staff reduction, dismissal from work, etc.
4
Yes, due to the considerable reduction of salary, or delays with salary payment
5
Yes, due to the drop in income resulting from breakup, separation or divorce
6
Yes, due to the reduction of investment income
7
Yes, due to retirement of the main breadwinner
8
Yes, due to another reason
99
Don't know
999
No answer
Sysmiss
Did family experience an unexpected significant reduction in income
Did family experience an unexpected significant reduction in income
Did family experience an unexpected significant reduction in income
Did family experience an unexpected significant reduction in income
Did family experience an unexpected significant reduction in income
Did you (your family) experience an unexpected significant reduction of your income over the last three years, and if so, then what was the reason?
Card # 4
Any number of choices.
If No --> MOVE TO QUESTION 8
2966
1
No, over the last three years I (my family) had not experienced any unexpected significant reduction of income
2
Yes, due to the loss of a job because of an accident, deterioration of health, disability of a breadwinner
3
Yes, due to the loss of a job by a breadwinner because of staff reduction, dismissal from work, etc.
4
Yes, due to the considerable reduction of salary, or delays with salary payment
5
Yes, due to the drop in income resulting from breakup, separation or divorce
6
Yes, due to the reduction of investment income
7
Yes, due to retirement of the main breadwinner
8
Yes, due to another reason
99
Don't know
999
No answer
Sysmiss
Did family experience an unexpected significant reduction in income
Did family experience an unexpected significant reduction in income
Did family experience an unexpected significant reduction in income
Did family experience an unexpected significant reduction in income
Did family experience an unexpected significant reduction in income
Did you (your family) experience an unexpected significant reduction of your income over the last three years, and if so, then what was the reason?
Card # 4
Any number of choices.
If No --> MOVE TO QUESTION 8
2966
1
No, over the last three years I (my family) had not experienced any unexpected significant reduction of income
2
Yes, due to the loss of a job because of an accident, deterioration of health, disability of a breadwinner
3
Yes, due to the loss of a job by a breadwinner because of staff reduction, dismissal from work, etc.
4
Yes, due to the considerable reduction of salary, or delays with salary payment
5
Yes, due to the drop in income resulting from breakup, separation or divorce
6
Yes, due to the reduction of investment income
7
Yes, due to retirement of the main breadwinner
8
Yes, due to another reason
99
Don't know
999
No answer
Sysmiss
Did family experience an unexpected significant reduction in income
Did family experience an unexpected significant reduction in income
Did family experience an unexpected significant reduction in income
Did family experience an unexpected significant reduction in income
Did family experience an unexpected significant reduction in income
Did you (your family) experience an unexpected significant reduction of your income over the last three years, and if so, then what was the reason?
Card # 4
Any number of choices.
If No --> MOVE TO QUESTION 8
178
ÈÇ-ÇÀ ÍÈÇÊÈÕ ÄÎÕÎÄÎÂ
ÈÇ-ÇÀ ÐÎÑÒÀ ÖÅÍ
Èç-çà âûõîäà íà ïåíñèþ
Èç-çà ïîâûøåíèÿ öåí
Èç-çà ó÷åáû
Íèçêàÿ ïåíñèÿ,âñå äîðîãî
áîëüøèå ðàñõîäû
â äåêàáðå
â äåêðåòå
â îòïóñêå ïî óõîäó çà ðåáåíêîì
â ñâÿçè ñ âûõîäîì íà ïåíñèþ
â ñâÿçè ñî ñòðîèòåëüñòâîì
âçÿëè êðåäèòû
âçÿëè ññóäó
âíó÷êà â èíñòèòóò ïîñòóïàëà - êðåäèò ïðèøëîñü âçÿòü ìíå
âîñïèòûâàþ îäíà 4õ äåòåé
âûñîêàÿ èíôëÿöèÿ
âûñîêèå öåíû
âûõîä íà ïåíñèþ
âûõîä íà ïåíñèþ ñóïðóãè
äåäóøêà óìåð
äåêðåò
äåêðåòíûé îòïóñê
äîðîãàÿ ïîêóïêà
äîðîãèå ïðîäóêòû
äî÷ü 30 ëåò ñòàëà èíâàëèäîì
æåíà íà ïåíñèè
æåíà ñèëüíî áîëååò, à ëåêàðñòâà äîðîãèå
çàíÿëè íà êâàðòèðó
çàïëàòèëè çà ó÷åáó ñûíà
èç - çà îòìåíû ëüãîò íà ëåêàðñòâà
èç-çà áîëåçíè áëèçêîãî ÷åëîâåêà
èç-çà âûõîäà íà ïåíñèþ
èç-çà âûõîäà íà ïåíñèþçà ðîñòà èíôëÿöèè
èç-çà äåêðåòíîãî îòïóñêà
èç-çà èíôëÿöèè
èç-çà ïîâûøåí öåí íàïðîäóêòû
èç-çà ïîâûøåíèÿ öåí
èç-çà ðîñòà öåí
èíôåêöèÿ, ïîâûøåíèå öåí íà ïðîäóêòû ïèòàíèÿ
èíôëÿöèÿ
èíôëÿöèÿ âûñîêàÿ
èíôëÿöèÿ, ïîâûøåíèå öåí
èíôëÿöèÿ, ïîâûøåíèå öåí íà ïðîäóêòû ïèòàíèÿ
êðåäèò
êðóïíàÿ ïîêóïêà
ìàëåíüêàÿ çàðïëàòà
ìàëåíüêàÿ ïåíñèÿ
ìåíÿëè ìåñòî ðàáîòû
íà íåíñèè
íå èñïûòûâàëèí
íåò ðàáîòû ó ñûíà
íåõâàòêà äåíåã
îáó÷åíèå äåòåé
îäíà, ïåíñèè íå õâàòàåò
î÷åíü ìàëåíüêàÿ ïåíñèÿ
î÷åíü ïîäíÿëèñü öåíû âûñîêî íà ïðîäóêòû
ïåíñèîíåðû
ïåðåìåíà ðàáîòû
ïî ðàçíûì
ïîâûñèëèñü öåíû
ïîâûøåíå öåí
ïîâûøåíèå öåí
ïîâûøåíèå öåí íà ïèòàíèå
ïîâûøåíèå öåí íà ïðîäóêòû
ïîâûøåíèå öåí íà ïðîäóêòû ïèòàí
ïîâûøåíèå öåí íà ïðîäóêòû ïèòàíèÿ
ïîâûøåíèå öåí íà ïðîäóêòû, ïðàêòè÷åñêè íà 5%
ïîâûøåíèå öåí íà òîâàðû è óñëóãè
ïîäâåëè êîìïàíüîíû
ïîäðîæàíèåè âñåãî
ïîêóïêà äîðîãîñòîÿùåé âåùè
ïîìåíÿíÿëè êâàðòèðó íà áîëüøóþ
ïîìîãàåì äî÷åðè
ïîìîãëè äåòÿì
ïîìîãëè äî÷åðè êóïèòü êâàðòèðó
ïîÿâèëñÿ ðåáåíîê,äî÷ü íå ðàáîòàëà
ïðåäïðèÿòèå ðàçâàëèëîñü
ïðîäàëè êîðîâó
ïðîäóêòû ïèòàíèÿ
ïðîäóêòû ïîäîðîæàëè
ðàáîòà íåíîðìèðîâàííàÿ
ðàáîòà íåïîñòîÿííàÿ
ðàñõîäû íà ìîþ ó÷åáó
ðåçêîå ïîâûøåíèå öåí
ðåîðãàíèçàöèÿ ï-èÿ
ðîæäåíèå ðåáåíêà
ðîñò öåí
ðîñò öåí íà ïðîäóêòû
ðîñò öåí îãðîìíûé
ñèäåëà äîìà ñ ðåáåíêîì ñ ïîñîáèåì 1000 ðóáëåé â äåêðåòå
ñêà÷îê öåí
ñìåíà ðàáîòû
ñìåðòü êîðìèëüöà
ñìåðòü ñûíà
ñíèæåíèå ðûíî÷íîé êîíüþêòóðû
ñòðîèòåëüñòâî äëÿ ìîëîäûõ
ñòðîèòåëüñòâî äîìà
ñûãðàëè â êàçèíî
òðåòèé ìóæ óøåë îò ìåíÿ è òåïåðü ó ìåíÿ íîâûé åìó 24 ãîäà
óìåíèøèëèñü àëèìåíòû
óìåð ìóæ
óõóäøåíèå çäîðîâüÿ
ó÷åáà äåòåé
ó÷èì ðåáåíêà
óøåë íà ïåíñèþ
öåíû áîëüøèå
öåíû íà âñå ïîäíÿëèñü
öåíû íà ïðîäóêòû ïîäíÿëèñü
öåíû íà ïðîäóêòû ïîäíÿëèñü ñèëüíî
öåíû î÷åíü ïîâûñèëèñü
öåíû ïîâûñèëèñü
öåíû ïîâûñèëèñü íà ïðîäóêòû
öåíû ïîäíÿëèñü íà âñå
öåíû ïîäíÿëèñü íà âñåû ïîäíÿëèñü íà ïðîäóêòû
öåíû ïîäñêî÷èëè âûñîêî
How were ends met when income suddenly dropped
How were ends met when income suddenly dropped
How were ends met when income suddenly dropped
How were ends met when income suddenly dropped
How were ends met when income suddenly dropped
How did you (your family) manage to make the ends meet when your income suddenly dropped?
Card # 5
Any number of choices.
752
2214
1
We cut down expenses and save
2
We borrow money from relatives, friends and acquaintances
3
We spend our savings
4
We use a credit card
5
We sell our securities/shares
6
We borrow cash on bank credit
7
Our friends and relatives give us money free of charge
8
We found other sources of income
99
Don't know
999
No answer
Sysmiss
How were ends met when income suddenly dropped
How were ends met when income suddenly dropped
How were ends met when income suddenly dropped
How were ends met when income suddenly dropped
How were ends met when income suddenly dropped
How did you (your family) manage to make the ends meet when your income suddenly dropped?
Card # 5
Any number of choices.
260
2706
1
We cut down expenses and save
2
We borrow money from relatives, friends and acquaintances
3
We spend our savings
4
We use a credit card
5
We sell our securities/shares
6
We borrow cash on bank credit
7
Our friends and relatives give us money free of charge
8
We found other sources of income
99
Don't know
999
No answer
Sysmiss
How were ends met when income suddenly dropped
How were ends met when income suddenly dropped
How were ends met when income suddenly dropped
How were ends met when income suddenly dropped
How were ends met when income suddenly dropped
How did you (your family) manage to make the ends meet when your income suddenly dropped?
Card # 5
Any number of choices.
60
2906
1
We cut down expenses and save
2
We borrow money from relatives, friends and acquaintances
3
We spend our savings
4
We use a credit card
5
We sell our securities/shares
6
We borrow cash on bank credit
7
Our friends and relatives give us money free of charge
8
We found other sources of income
99
Don't know
999
No answer
Sysmiss
How were ends met when income suddenly dropped
How were ends met when income suddenly dropped
How were ends met when income suddenly dropped
How were ends met when income suddenly dropped
How were ends met when income suddenly dropped
How did you (your family) manage to make the ends meet when your income suddenly dropped?
Card # 5
Any number of choices.
5
2961
1
We cut down expenses and save
2
We borrow money from relatives, friends and acquaintances
3
We spend our savings
4
We use a credit card
5
We sell our securities/shares
6
We borrow cash on bank credit
7
Our friends and relatives give us money free of charge
8
We found other sources of income
99
Don't know
999
No answer
Sysmiss
How were ends met when income suddenly dropped
How were ends met when income suddenly dropped
How were ends met when income suddenly dropped
How were ends met when income suddenly dropped
How were ends met when income suddenly dropped
How did you (your family) manage to make the ends meet when your income suddenly dropped?
Card # 5
Any number of choices.
2966
1
We cut down expenses and save
2
We borrow money from relatives, friends and acquaintances
3
We spend our savings
4
We use a credit card
5
We sell our securities/shares
6
We borrow cash on bank credit
7
Our friends and relatives give us money free of charge
8
We found other sources of income
99
Don't know
999
No answer
Sysmiss
How were ends met when income suddenly dropped
How were ends met when income suddenly dropped
How were ends met when income suddenly dropped
How were ends met when income suddenly dropped
How were ends met when income suddenly dropped
How did you (your family) manage to make the ends meet when your income suddenly dropped?
Card # 5
Any number of choices.
2966
1
We cut down expenses and save
2
We borrow money from relatives, friends and acquaintances
3
We spend our savings
4
We use a credit card
5
We sell our securities/shares
6
We borrow cash on bank credit
7
Our friends and relatives give us money free of charge
8
We found other sources of income
99
Don't know
999
No answer
Sysmiss
How were ends met when income suddenly dropped
How were ends met when income suddenly dropped
How were ends met when income suddenly dropped
How were ends met when income suddenly dropped
How were ends met when income suddenly dropped
How did you (your family) manage to make the ends meet when your income suddenly dropped?
Card # 5
Any number of choices.
2966
1
We cut down expenses and save
2
We borrow money from relatives, friends and acquaintances
3
We spend our savings
4
We use a credit card
5
We sell our securities/shares
6
We borrow cash on bank credit
7
Our friends and relatives give us money free of charge
8
We found other sources of income
99
Don't know
999
No answer
Sysmiss
How were ends met when income suddenly dropped
How were ends met when income suddenly dropped
How were ends met when income suddenly dropped
How were ends met when income suddenly dropped
How were ends met when income suddenly dropped
How did you (your family) manage to make the ends meet when your income suddenly dropped?
Card # 5
Any number of choices.
40
Äåòè ïîìîãàþò
áûñòðåå èñêàòü ðàáîòó
äîëãè çàáèðàëè, îêàçûâàëè ÷àñòíûå óñëóãè ïî ñòðîèòåëüñòâó
ç/î
çàíèìàåìñÿ ïðèóñàäåáíûì õîçÿéñòâîì
èíôëÿöèÿ
îãîðîä
ïîäðàáàòûâàåì ñ îòöîì íà øàáàøêå
ïîäðàáàòûâàëè
ïîäðàáîòêà
ïîäðàáîòûâàþ
ïîìîùü äåòåé
ïðèðàáîòîê
ïðîäàâàëà ñõ ïðîäóêòû, ìÿñî. ìîëîêî
ïðîäàæà ìîëîêà, êàðòîøêè
ïðîäàæà ìîëîêà, ÿèö
ðàáîòà â îãîðîäå
ðàñêîëêà äðîâ
ñåêðåò
ó ðîäèòåëåé
How often did family borrow to pay back debts
How often did family borrow to pay back debts
How often did family borrow to pay back debts
How often did family borrow to pay back debts
How often did family borrow to pay back debts
How often during the last year you (your family members) had to borrow to pay back your other debts?
2966
1
Always
2
Very often
3
Sometimes
4
Very rarely
5
Never
99
Don't know
999
No answer
Does family currently have debt
Does family currently have debt
Does family currently have debt
Does family currently have debt
Does family currently have debt
Would you please say whether you (your family) have(has) any debts now? By debts we mean either bank credits or debts to private persons.
If No --> MOVE TO QUESTION 11
2966
1
Yes, we have debts
2
No, we don't have any debts
99
Don't know
999
No answer
Amount of debt
Amount of debt
Amount of debt
Amount of debt
Amount of debt
When answering the nest question please exclude any loans for purchase of an apartment, or dacha, or car secured on property out of your entire debt amount. Is it possible to say, that the total debt excluding the above loans will equal the amount:
484
2482
1
Debt minus the loan for purchase of the apartment
2
Less than one monthly income
3
From 1 to 2 monthly incomes
4
From 2 to 3 monthly incomes
5
From 3 to 6 monthly incomes
6
From 6 to 12 monthly incomes
7
More than yearly income
99
Don't know
999
No answer
Sysmiss
Did family friends encounter financial problems
Did family friends encounter financial problems
Did family friends encounter financial problems
Did family friends encounter financial problems
Did family friends encounter financial 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?
Interviewer: If a respondent doesn't have such experiences then circle option 11.3 "No such families". If (s)he is aware of such cases, then read out options 11.1 and 11.2 and ask a respondent to choose one of the two alternatives. If a respondent fails to make a choice and both options look equally important then circle both options. If none of the options looks appropriate then circle option 99. "Don't know".
1600
1366
1
A family started to experience financial troubles because of unfortunate series of events
2
A family started to experience financial troubles because of a wrong money management or lack of ability to plan its finances
3
No such families
99
Don't know
999
No answer
Sysmiss
Did family friends encounter financial problems
Did family friends encounter financial problems
Did family friends encounter financial problems
Did family friends encounter financial problems
Did family friends encounter financial 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?
Interviewer: If a respondent doesn't have such experiences then circle option 11.3 "No such families". If (s)he is aware of such cases, then read out options 11.1 and 11.2 and ask a respondent to choose one of the two alternatives. If a respondent fails to make a choice and both options look equally important then circle both options. If none of the options looks appropriate then circle option 99. "Don't know".
41
2925
1
A family started to experience financial troubles because of unfortunate series of events
2
A family started to experience financial troubles because of a wrong money management or lack of ability to plan its finances
3
No such families
99
Don't know
999
No answer
Sysmiss
Do you know maximum level of deposits in a Russian bank fully insured by govt
Do you know maximum level of deposits in a Russian bank fully insured by govt
Do you know maximum level of deposits in a Russian bank fully insured by govt
Do you know maximum level of deposits in a Russian bank fully insured by govt
Do you know maximum level of deposits in a Russian bank fully insured by govt
Now let's talk about protection of consumer rights in financial markets and the system for insurance of savings and investments
If a citizen has a deposit in a Russian bank and this bank becomes bankrupt, do you know what maximum level of a deposit is entirely insured by the government? Card #6
2966
1
0 rubles - no govt insurance
2
20,000 rubles
3
100,000 rubles
4
400,000 rubles
5
1 million rubles
6
No limits
99
Don't know
999
No answer
Do you know level of losses from stock investments insured by the government
Do you know level of losses from stock investments insured by the government
Do you know level of losses from stock investments insured by the government
Do you know level of losses from stock investments insured by the government
Do you know level of losses from stock investments insured by the government
If a citizen owns shares in the unit 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? Card #7
1600
1366
1
0 rubles - no govt insurance
2
20,000 rubles
3
100,000 rubles
4
400,000 rubles
5
1 million rubles
6
No limits
99
Don't know
999
No answer
Sysmiss
How should government compensate individuals for losses in the financial market
How should government compensate individuals for losses in the financial market
How should government compensate individuals for losses in the financial market
How should government compensate individuals for losses in the financial market
How should government compensate individuals for losses in the financial market
There are different opinions now of the way the government could compensate individuals for the damages from losses in the financial market investments. What do you think about it? Do you think it is appropriate for the government to compensate individuals for the losses in the following cases? Card #8
Any number of choices.
1600
1366
1
The bank which went bankrupt
2
Shares of a unit fund whose market value plunged
3
Shares of a private company, and the value of shares dropped significantly
4
Apartment or dacha and their price dropped at the moment when one needs to sell them
5
None of the above
99
Don't know
999
No answer
Sysmiss
How should government compensate individuals for losses in the financial market
How should government compensate individuals for losses in the financial market
How should government compensate individuals for losses in the financial market
How should government compensate individuals for losses in the financial market
How should government compensate individuals for losses in the financial market
There are different opinions now of the way the government could compensate individuals for the damages from losses in the financial market investments. What do you think about it? Do you think it is appropriate for the government to compensate individuals for the losses in the following cases? Card #8
Any number of choices.
342
2624
1
The bank which went bankrupt
2
Shares of a unit fund whose market value plunged
3
Shares of a private company, and the value of shares dropped significantly
4
Apartment or dacha and their price dropped at the moment when one needs to sell them
5
None of the above
99
Don't know
999
No answer
Sysmiss
How should government compensate individuals for losses in the financial market
How should government compensate individuals for losses in the financial market
How should government compensate individuals for losses in the financial market
How should government compensate individuals for losses in the financial market
How should government compensate individuals for losses in the financial market
There are different opinions now of the way the government could compensate individuals for the damages from losses in the financial market investments. What do you think about it? Do you think it is appropriate for the government to compensate individuals for the losses in the following cases? Card #8
Any number of choices.
113
2853
1
The bank which went bankrupt
2
Shares of a unit fund whose market value plunged
3
Shares of a private company, and the value of shares dropped significantly
4
Apartment or dacha and their price dropped at the moment when one needs to sell them
5
None of the above
99
Don't know
999
No answer
Sysmiss
How should government compensate individuals for losses in the financial market
How should government compensate individuals for losses in the financial market
How should government compensate individuals for losses in the financial market
How should government compensate individuals for losses in the financial market
How should government compensate individuals for losses in the financial market
There are different opinions now of the way the government could compensate individuals for the damages from losses in the financial market investments. What do you think about it? Do you think it is appropriate for the government to compensate individuals for the losses in the following cases? Card #8
Any number of choices.
68
2898
1
The bank which went bankrupt
2
Shares of a unit fund whose market value plunged
3
Shares of a private company, and the value of shares dropped significantly
4
Apartment or dacha and their price dropped at the moment when one needs to sell them
5
None of the above
99
Don't know
999
No answer
Sysmiss
What should banks do under current Russian legislation
What should banks do under current Russian legislation
What should banks do under current Russian legislation
What should banks do under current Russian legislation
What should banks do under current Russian legislation
What should the banks do under the current Russian legislation? Choose a phrase most compliant with the Russian law from the options given in the card. Card #9
One option only
1600
1366
1
Charge the same annual interest rate on all credits
2
Charge the same annual interest rates on all similar credits (credit cards, car purchase credits, mortgage loans, etc.)
3
Inform a borrower of the total credit cost
4
None of the above
99
Don't know
999
No answer
Sysmiss
What describes your individual life insurance situation
What describes your individual life insurance situation
What describes your individual life insurance situation
What describes your individual life insurance situation
What describes your individual life insurance situation
What phrase out of the ones given below describes best your individual life insurance situation? Card # 10
Any number of choices
1600
1366
1
My life is already insured for the required amount
2
My life is insured for some amount but the level is lower than what I believe is necessary
3
I need to insure my life but it is too expensive
4
I need to insure my life but I don't believe that insurance companies will pay the claim in case of my death
5
I don't need life insurance actually
99
Don't know
999
No answer
Sysmiss
What describes your individual life insurance situation
What describes your individual life insurance situation
What describes your individual life insurance situation
What describes your individual life insurance situation
What describes your individual life insurance situation
What phrase out of the ones given below describes best your individual life insurance situation? Card # 10
Any number of choices
38
2928
1
My life is already insured for the required amount
2
My life is insured for some amount but the level is lower than what I believe is necessary
3
I need to insure my life but it is too expensive
4
I need to insure my life but I don't believe that insurance companies will pay the claim in case of my death
5
I don't need life insurance actually
99
Don't know
999
No answer
Sysmiss
What describes your individual life insurance situation
What describes your individual life insurance situation
What describes your individual life insurance situation
What describes your individual life insurance situation
What describes your individual life insurance situation
What phrase out of the ones given below describes best your individual life insurance situation? Card # 10
Any number of choices
2966
1
My life is already insured for the required amount
2
My life is insured for some amount but the level is lower than what I believe is necessary
3
I need to insure my life but it is too expensive
4
I need to insure my life but I don't believe that insurance companies will pay the claim in case of my death
5
I don't need life insurance actually
99
Don't know
999
No answer
Sysmiss
What describes your individual life insurance situation
What describes your individual life insurance situation
What describes your individual life insurance situation
What describes your individual life insurance situation
What describes your individual life insurance situation
What phrase out of the ones given below describes best your individual life insurance situation? Card # 10
Any number of choices
2966
1
My life is already insured for the required amount
2
My life is insured for some amount but the level is lower than what I believe is necessary
3
I need to insure my life but it is too expensive
4
I need to insure my life but I don't believe that insurance companies will pay the claim in case of my death
5
I don't need life insurance actually
99
Don't know
999
No answer
Sysmiss
What tendencies do you follow personally
What tendencies do you follow personally
What tendencies do you follow personally
What tendencies do you follow personally
What tendencies do you follow personally
What tendencies from the ones given below you follow personally?
Card # 11
Any number of choices.
If "I don't watch any trends" --> MOVE TO QUESTION 19
1600
1366
1
Changes in the property market
2
Changes of quotations and indices in the capital market
3
Changes of interest rates on deposits
4
Changes of interest rates on credits
5
Changes in the inflation rate
6
Changes in the level of public pensions, benefits and tax exemptions
7
Price fluctuations for oil, gold, metals, etc.
8
Other
9
I don't watch any trends
99
Don't know
999
No answer
Sysmiss
What tendencies do you follow personally
What tendencies do you follow personally
What tendencies do you follow personally
What tendencies do you follow personally
What tendencies do you follow personally
What tendencies from the ones given below you follow personally?
Card # 11
Any number of choices.
If "I don't watch any trends" --> MOVE TO QUESTION 19
557
2409
1
Changes in the property market
2
Changes of quotations and indices in the capital market
3
Changes of interest rates on deposits
4
Changes of interest rates on credits
5
Changes in the inflation rate
6
Changes in the level of public pensions, benefits and tax exemptions
7
Price fluctuations for oil, gold, metals, etc.
8
Other
9
I don't watch any trends
99
Don't know
999
No answer
Sysmiss
What tendencies do you follow personally
What tendencies do you follow personally
What tendencies do you follow personally
What tendencies do you follow personally
What tendencies do you follow personally
What tendencies from the ones given below you follow personally?
Card # 11
Any number of choices.
If "I don't watch any trends" --> MOVE TO QUESTION 19
261
2705
1
Changes in the property market
2
Changes of quotations and indices in the capital market
3
Changes of interest rates on deposits
4
Changes of interest rates on credits
5
Changes in the inflation rate
6
Changes in the level of public pensions, benefits and tax exemptions
7
Price fluctuations for oil, gold, metals, etc.
8
Other
9
I don't watch any trends
99
Don't know
999
No answer
Sysmiss
What tendencies do you follow personally
What tendencies do you follow personally
What tendencies do you follow personally
What tendencies do you follow personally
What tendencies do you follow personally
What tendencies from the ones given below you follow personally?
Card # 11
Any number of choices.
If "I don't watch any trends" --> MOVE TO QUESTION 19
113
2853
1
Changes in the property market
2
Changes of quotations and indices in the capital market
3
Changes of interest rates on deposits
4
Changes of interest rates on credits
5
Changes in the inflation rate
6
Changes in the level of public pensions, benefits and tax exemptions
7
Price fluctuations for oil, gold, metals, etc.
8
Other
9
I don't watch any trends
99
Don't know
999
No answer
Sysmiss
What tendencies do you follow personally
What tendencies do you follow personally
What tendencies do you follow personally
What tendencies do you follow personally
What tendencies do you follow personally
What tendencies from the ones given below you follow personally?
Card # 11
Any number of choices.
If "I don't watch any trends" --> MOVE TO QUESTION 19
46
2920
1
Changes in the property market
2
Changes of quotations and indices in the capital market
3
Changes of interest rates on deposits
4
Changes of interest rates on credits
5
Changes in the inflation rate
6
Changes in the level of public pensions, benefits and tax exemptions
7
Price fluctuations for oil, gold, metals, etc.
8
Other
9
I don't watch any trends
99
Don't know
999
No answer
Sysmiss
What tendencies do you follow personally
What tendencies do you follow personally
What tendencies do you follow personally
What tendencies do you follow personally
What tendencies do you follow personally
What tendencies from the ones given below you follow personally?
Card # 11
Any number of choices.
If "I don't watch any trends" --> MOVE TO QUESTION 19
18
2948
1
Changes in the property market
2
Changes of quotations and indices in the capital market
3
Changes of interest rates on deposits
4
Changes of interest rates on credits
5
Changes in the inflation rate
6
Changes in the level of public pensions, benefits and tax exemptions
7
Price fluctuations for oil, gold, metals, etc.
8
Other
9
I don't watch any trends
99
Don't know
999
No answer
Sysmiss
What tendencies do you follow personally
What tendencies do you follow personally
What tendencies do you follow personally
What tendencies do you follow personally
What tendencies do you follow personally
What tendencies from the ones given below you follow personally?
Card # 11
Any number of choices.
If "I don't watch any trends" --> MOVE TO QUESTION 19
6
2960
1
Changes in the property market
2
Changes of quotations and indices in the capital market
3
Changes of interest rates on deposits
4
Changes of interest rates on credits
5
Changes in the inflation rate
6
Changes in the level of public pensions, benefits and tax exemptions
7
Price fluctuations for oil, gold, metals, etc.
8
Other
9
I don't watch any trends
99
Don't know
999
No answer
Sysmiss
What tendencies do you follow personally
What tendencies do you follow personally
What tendencies do you follow personally
What tendencies do you follow personally
What tendencies do you follow personally
What tendencies from the ones given below you follow personally?
Card # 11
Any number of choices.
If "I don't watch any trends" --> MOVE TO QUESTION 19
13
áåíçèí
êâàðòïëàòà
êóðñû âàëþò
íà ðàçìåð ïåíñèè
ïîòðåáèòåëüñêèå öåëè
ðàçìåð ïåíñèè
õîä çåìåëüíîé ðåôîðìû
öåíû íà ïðîäóêòû
öåíû íà ïðîäóêòû è áûòîâàÿ òåõíèêà
öåíû íà ðûíêå
What sources do you use to get information about the above tendencies
What sources do you use to get information about the above tendencies
What sources do you use to get information about the above tendencies
What sources do you use to get information about the above tendencies
What sources do you use to get information about the above tendencies
What sources do you use to get information about the above tendencies? Card #12
Any number of choices.
1067
1899
1
Advertising
2
Newspapers, magazines, TV programs specializing on financial issues
3
Specialized web sites
4
Bank officers, employees of insurance and management companies, during a personal visit or by phone
5
Independent financial consultants or brokers
6
Friends and acquaintances
7
From other sources
99
Don't know
999
No answer
Sysmiss
What sources do you use to get information about the above tendencies
What sources do you use to get information about the above tendencies
What sources do you use to get information about the above tendencies
What sources do you use to get information about the above tendencies
What sources do you use to get information about the above tendencies
What sources do you use to get information about the above tendencies? Card #12
Any number of choices.
443
2523
1
Advertising
2
Newspapers, magazines, TV programs specializing on financial issues
3
Specialized web sites
4
Bank officers, employees of insurance and management companies, during a personal visit or by phone
5
Independent financial consultants or brokers
6
Friends and acquaintances
7
From other sources
99
Don't know
999
No answer
Sysmiss
What sources do you use to get information about the above tendencies
What sources do you use to get information about the above tendencies
What sources do you use to get information about the above tendencies
What sources do you use to get information about the above tendencies
What sources do you use to get information about the above tendencies
What sources do you use to get information about the above tendencies? Card #12
Any number of choices.
122
2844
1
Advertising
2
Newspapers, magazines, TV programs specializing on financial issues
3
Specialized web sites
4
Bank officers, employees of insurance and management companies, during a personal visit or by phone
5
Independent financial consultants or brokers
6
Friends and acquaintances
7
From other sources
99
Don't know
999
No answer
Sysmiss
What sources do you use to get information about the above tendencies
What sources do you use to get information about the above tendencies
What sources do you use to get information about the above tendencies
What sources do you use to get information about the above tendencies
What sources do you use to get information about the above tendencies
What sources do you use to get information about the above tendencies? Card #12
Any number of choices.
28
2938
1
Advertising
2
Newspapers, magazines, TV programs specializing on financial issues
3
Specialized web sites
4
Bank officers, employees of insurance and management companies, during a personal visit or by phone
5
Independent financial consultants or brokers
6
Friends and acquaintances
7
From other sources
99
Don't know
999
No answer
Sysmiss
What sources do you use to get information about the above tendencies
What sources do you use to get information about the above tendencies
What sources do you use to get information about the above tendencies
What sources do you use to get information about the above tendencies
What sources do you use to get information about the above tendencies
What sources do you use to get information about the above tendencies? Card #12
Any number of choices.
3
2963
1
Advertising
2
Newspapers, magazines, TV programs specializing on financial issues
3
Specialized web sites
4
Bank officers, employees of insurance and management companies, during a personal visit or by phone
5
Independent financial consultants or brokers
6
Friends and acquaintances
7
From other sources
99
Don't know
999
No answer
Sysmiss
What sources do you use to get information about the above tendencies
What sources do you use to get information about the above tendencies
What sources do you use to get information about the above tendencies
What sources do you use to get information about the above tendencies
What sources do you use to get information about the above tendencies
What sources do you use to get information about the above tendencies? Card #12
Any number of choices.
2
2964
1
Advertising
2
Newspapers, magazines, TV programs specializing on financial issues
3
Specialized web sites
4
Bank officers, employees of insurance and management companies, during a personal visit or by phone
5
Independent financial consultants or brokers
6
Friends and acquaintances
7
From other sources
99
Don't know
999
No answer
Sysmiss
What sources do you use to get information about the above tendencies
What sources do you use to get information about the above tendencies
What sources do you use to get information about the above tendencies
What sources do you use to get information about the above tendencies
What sources do you use to get information about the above tendencies
What sources do you use to get information about the above tendencies? Card #12
Any number of choices.
29
áåíçîçàïðàâêà
â ìàãàçèíàõ
â ìàãàçèíå
â ìàãàçèíå âñå ñðàçó âèäíî
âèæó ëè÷íî
âûâåñêè íà îáìåííûõ ïóíêòàõ
èç æèçíè
èç ëóêîéëà
èç ìàãàçèíîâ
èç ñåìüè
êîãäà ïîëó÷àþ ïåíñèþ
íà áàçàðå
íà ðûíêå
íà ñâîåé øêóðå
íå ñïåöèàëèçèðîâàííûõ èñòîî÷íèêîâ
îò ñâîåãî áóõãàëòåðà
ïåðåäà÷à óòðî
ïî öåíàì íà óëèöå
ïîõîäû â ìàãàçèí
ðàáîòà
ðàäèî
ñàì âèæó
ñàìà íà ïåíñèè
õîæó â ìàãàçèí
öåíû íà àâòîçàïðàâêàõ
Did you regret puchasing a financial service during the past five years
Did you regret puchasing a financial service during the past five years
Did you regret puchasing a financial service during the past five years
Did you regret puchasing a financial service during the past five years
Did you regret puchasing a financial service during the past five years
Did you happen to buy a financial service during the last five years which you were sorry about later as the service did not meet your needs and you concluded that the seller of the service deceived you?
If No --> MOVE TO QUESTION 22
If Don't know --> MOVE TO QUESTION 22
1600
1366
1
Yes
2
No
99
Don't know
999
No answer
Sysmiss
What kind of service was it
What kind of service was it
What kind of service was it
What kind of service was it
What kind of service was it
What kind of service was it?
Any number of choices
137
2829
1
A bank deposit
2
A contract with a private pension fund
3
Stock
4
Shares of unit fund
5
A bank credit card
6
A bank debit card
7
A consumer loan
8
An insurance policy
9
A car credit
10
A mortgage loan
11
Another service
12
I don't remember
99
Don't know
999
No answer
Sysmiss
What kind of service was it
What kind of service was it
What kind of service was it
What kind of service was it
What kind of service was it
What kind of service was it?
Any number of choices
8
2958
1
A bank deposit
2
A contract with a private pension fund
3
Stock
4
Shares of unit fund
5
A bank credit card
6
A bank debit card
7
A consumer loan
8
An insurance policy
9
A car credit
10
A mortgage loan
11
Another service
12
I don't remember
99
Don't know
999
No answer
Sysmiss
What kind of service was it
What kind of service was it
What kind of service was it
What kind of service was it
What kind of service was it
What kind of service was it?
Any number of choices
1
2965
1
A bank deposit
2
A contract with a private pension fund
3
Stock
4
Shares of unit fund
5
A bank credit card
6
A bank debit card
7
A consumer loan
8
An insurance policy
9
A car credit
10
A mortgage loan
11
Another service
12
I don't remember
99
Don't know
999
No answer
Sysmiss
What kind of service was it
What kind of service was it
What kind of service was it
What kind of service was it
What kind of service was it
What kind of service was it?
Any number of choices
5
àãåíñòâî íåäâèæèìîñòè
íåâûïîëíåíèå òåíäåðñêèõ îáÿçàòåëüñòâ
ïîêóïêà êâàðòèðû
ïîêóïêà ìàøèíû
ññóäà
What did you do after you discovered the problem
What did you do after you discovered the problem
What did you do after you discovered the problem
What did you do after you discovered the problem
What did you do after you discovered the problem
What did you do after you discovered the problem?
Any number of choices
137
2829
1
Nothing
2
I stopped using the service before the contract expired
3
I submitted a grievance to the company which sold me the product
4
I submitted a claim to the appropriate government authority
5
Other
99
Don't know
999
No answer
Sysmiss
What did you do after you discovered the problem
What did you do after you discovered the problem
What did you do after you discovered the problem
What did you do after you discovered the problem
What did you do after you discovered the problem
What did you do after you discovered the problem?
Any number of choices
4
2962
1
Nothing
2
I stopped using the service before the contract expired
3
I submitted a grievance to the company which sold me the product
4
I submitted a claim to the appropriate government authority
5
Other
99
Don't know
999
No answer
Sysmiss
What did you do after you discovered the problem
What did you do after you discovered the problem
What did you do after you discovered the problem
What did you do after you discovered the problem
What did you do after you discovered the problem
What did you do after you discovered the problem?
Any number of choices
1
îáðàòèëèñü â ñóä è âûèãðàëè ïðîöåññ
Confidence in dispute resultion with financial institutions
Confidence in dispute resultion with financial institutions
Confidence in dispute resultion with financial institutions
Confidence in dispute resultion with financial institutions
Confidence in dispute resultion with financial institutions
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?
1600
1366
1
I am completely sure
2
I am rather sure
3
Fifty-fifty
4
I am not quite sure
5
I am not at all sure
99
Don't know
999
No answer
Sysmiss
Do you consider yourself financially literate
Do you consider yourself financially literate
Do you consider yourself financially literate
Do you consider yourself financially literate
Do you consider yourself financially literate
Now, let's talk about financial literacy
Do you consider yourself a financially literate person? Please evaluate your knowledge and skills using a five-point system, as the one at school, where 1 stands for the complete absence of knowledge and skills in management of personal finances and 5 stands for excellent command of the subject in question.
2966
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
99
Don't know
999
No answer
Money in account after deposit of 100K rubles for 2 years at 8% interest rate
Money in account after deposit of 100K rubles for 2 years at 8% interest rate
Money in account after deposit of 100K rubles for 2 years at 8% interest rate
Money in account after deposit of 100K rubles for 2 years at 8% interest rate
Money in account after deposit of 100K rubles for 2 years at 8% interest rate
Now we will ask you several questions in the form of a small test. Please do not be afraid of making a mistake while answering them; think and choose the answer which seems the most appropriate to you. If all proposed choices look suitable and even your intuition would not suggest a preferred option, then choose Option 99. Don't know.
Let's assume that you deposited 100,000 rubles in a bank account for 2 years at 8% 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?
1600
1366
1
More than 108,000 rubles
2
Exactly 108,000 rubles
3
Less than 108,000 rubles
99
Don't know
999
No answer
Sysmiss
Money in account after deposit of 100K rubles for 5 years at 10% interest rate
Money in account after deposit of 100K rubles for 5 years at 10% interest rate
Money in account after deposit of 100K rubles for 5 years at 10% interest rate
Money in account after deposit of 100K rubles for 5 years at 10% interest rate
Money in account after deposit of 100K rubles for 5 years at 10% interest rate
Let's assume that you deposited 100,000 rubles in a bank account for 5 years at 10% 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? Card # 14
2966
1
More than 150,000 rubles
2
Exactly 150,000 rubles
3
Less than 150,000 rubles
99
Don't know
999
No answer
Money buys more/less if deposited in bank at 8% interest rate with 10% inflation
Money buys more/less if deposited in bank at 8% interest rate with 10% inflation
Money buys more/less if deposited in bank at 8% interest rate with 10% inflation
Money buys more/less if deposited in bank at 8% interest rate with 10% inflation
Money buys more/less if deposited in bank at 8% interest rate with 10% inflation
Imagine, than you deposited the 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? Card # 15
Interviewer: if a respondent says that he cannot come up with estimates, as the price fluctuations for goods he buys can vary from the inflation rate, then ask him to suppose that there are no such variations.
1600
1366
1
More than a year ago
2
The same
3
Less than a year ago
99
Don't know
999
No answer
Sysmiss
Income buys more/less if it doubles by 2010 while consumer prices also double
Income buys more/less if it doubles by 2010 while consumer prices also double
Income buys more/less if it doubles by 2010 while consumer prices also double
Income buys more/less if it doubles by 2010 while consumer prices also double
Income buys more/less if it doubles by 2010 while consumer prices also double
Let's assume that in 2010 your income is twice as now, and the consumer prices also grow twofold. Do you think that in 2010 you will be able to buy more, less, or the same amount of goods and services as today? Card # 16
2966
1
More than today
2
Exactly the same
3
Less than today
99
Don't know
999
No answer
Better discount on 10K rouble TV - 1,500 rubles or 10%
Better discount on 10K rouble TV - 1,500 rubles or 10%
Better discount on 10K rouble TV - 1,500 rubles or 10%
Better discount on 10K rouble TV - 1,500 rubles or 10%
Better discount on 10K rouble TV - 1,500 rubles or 10%
Let's assume that you saw a TV-set of the same model on sales in two different shops. The initial retail price of it was 10,000 rubles. One shop offered a discount of 1,500 rubles, while the other one offered a 10% discount. Which one is a better bargain - a discount of 1,500 rubles or 10%? Card # 17
2966
1
A discount of 1,500 rubles
2
A 10 % discount
99
Don't know
999
No answer
Estimate annual interest on credit of 10K rubles if credit charge is 600 rubles
Estimate annual interest on credit of 10K rubles if credit charge is 600 rubles
Estimate annual interest on credit of 10K rubles if credit charge is 600 rubles
Estimate annual interest on credit of 10K rubles if credit charge is 600 rubles
Estimate annual interest on credit of 10K rubles if credit charge is 600 rubles
Let's assume that you took a bank credit of 10,000 rubles to be paid back during a year in equal monthly payments. The credit charge is 600 rubles. Give a rough estimate of the annual interest rate on your credit. Card # 18
2966
1
3%
2
6%
3
9%
4
12%
99
Don't know
999
No answer
Primary factors in comparing credit from banks
Primary factors in comparing credit from banks
Primary factors in comparing credit from banks
Primary factors in comparing credit from banks
Primary factors in comparing credit from banks
What do you think deserves primary attention when one has to compare between the banks to choose the one where to take a credit from? Card # 19
Choose only one answer
1600
1366
1
Bank's reputation (fame) and its reliability
2
View of the bank office and qualifications of its personnel
3
Credit interest rate and the credit cost
4
Gits and advertising campaigns
99
Don't know
999
No answer
Sysmiss
When do you think buying on credit is justified
When do you think buying on credit is justified
When do you think buying on credit is justified
When do you think buying on credit is justified
When do you think buying on credit is justified
When do you think buying on credit is justified?
Choose only one answer
1600
1366
1
If a shop has sales for the goods I need
2
If the interest rate on credit is higher than the one on deposit
3
If a person needs to pay for education which would allow to get a better paid job
4
If a person really needs a vacation but does not have money at the moment
99
Don't know
999
No answer
Sysmiss
Items of interest in personal finance management training
Items of interest in personal finance management training
Items of interest in personal finance management training
Items of interest in personal finance management training
Items of interest in personal finance management training
There is a list below of the topics regarding various aspects of personal finance management. Please specify which are most interesting to learn about in the course of financial training? Card # 20
Not more than 5 answers
1504
1462
1
How to form one's own financial targets and draw a personal current financial plan
2
What to do not to get up to one's neck in debt when using credits
3
How to plan purchases of durables (car, apartment, dacha) and evaluate one's abilities to implement them
4
How does the pension scheme work and what methods are available to secure one's old age income
5
Banking services - current accounts, saving deposits, and plastic cards
6
Consumer credits to purchase goods and services
7
Mortgage loans
8
Insurance and insurance products
9
Private pension funds
10
Capital markets, stock and unit fund shares
11
Sources of information on financial services, how to interpret the information and how to differentiate the advertising information from the objective one
12
What parameters are used to compare the services offered by banks and other financial companies
13
What consumer rights protection laws are available and what one needs to do when one's consumer rights are violated
14
What information should a user pay attention to when signing a contract with a bank or another financial company
15
Other
16
I am not interested in any of such topics
99
Don't know
999
No answer
Sysmiss
Items of interest in personal finance management training
Items of interest in personal finance management training
Items of interest in personal finance management training
Items of interest in personal finance management training
Items of interest in personal finance management training
There is a list below of the topics regarding various aspects of personal finance management. Please specify which are most interesting to learn about in the course of financial training? Card # 20
Not more than 5 answers
901
2065
1
How to form one's own financial targets and draw a personal current financial plan
2
What to do not to get up to one's neck in debt when using credits
3
How to plan purchases of durables (car, apartment, dacha) and evaluate one's abilities to implement them
4
How does the pension scheme work and what methods are available to secure one's old age income
5
Banking services - current accounts, saving deposits, and plastic cards
6
Consumer credits to purchase goods and services
7
Mortgage loans
8
Insurance and insurance products
9
Private pension funds
10
Capital markets, stock and unit fund shares
11
Sources of information on financial services, how to interpret the information and how to differentiate the advertising information from the objective one
12
What parameters are used to compare the services offered by banks and other financial companies
13
What consumer rights protection laws are available and what one needs to do when one's consumer rights are violated
14
What information should a user pay attention to when signing a contract with a bank or another financial company
15
Other
16
I am not interested in any of such topics
99
Don't know
999
No answer
Sysmiss
Items of interest in personal finance management training
Items of interest in personal finance management training
Items of interest in personal finance management training
Items of interest in personal finance management training
Items of interest in personal finance management training
There is a list below of the topics regarding various aspects of personal finance management. Please specify which are most interesting to learn about in the course of financial training? Card # 20
Not more than 5 answers
684
2282
1
How to form one's own financial targets and draw a personal current financial plan
2
What to do not to get up to one's neck in debt when using credits
3
How to plan purchases of durables (car, apartment, dacha) and evaluate one's abilities to implement them
4
How does the pension scheme work and what methods are available to secure one's old age income
5
Banking services - current accounts, saving deposits, and plastic cards
6
Consumer credits to purchase goods and services
7
Mortgage loans
8
Insurance and insurance products
9
Private pension funds
10
Capital markets, stock and unit fund shares
11
Sources of information on financial services, how to interpret the information and how to differentiate the advertising information from the objective one
12
What parameters are used to compare the services offered by banks and other financial companies
13
What consumer rights protection laws are available and what one needs to do when one's consumer rights are violated
14
What information should a user pay attention to when signing a contract with a bank or another financial company
15
Other
16
I am not interested in any of such topics
99
Don't know
999
No answer
Sysmiss
Items of interest in personal finance management training
Items of interest in personal finance management training
Items of interest in personal finance management training
Items of interest in personal finance management training
Items of interest in personal finance management training
There is a list below of the topics regarding various aspects of personal finance management. Please specify which are most interesting to learn about in the course of financial training? Card # 20
Not more than 5 answers
453
2513
1
How to form one's own financial targets and draw a personal current financial plan
2
What to do not to get up to one's neck in debt when using credits
3
How to plan purchases of durables (car, apartment, dacha) and evaluate one's abilities to implement them
4
How does the pension scheme work and what methods are available to secure one's old age income
5
Banking services - current accounts, saving deposits, and plastic cards
6
Consumer credits to purchase goods and services
7
Mortgage loans
8
Insurance and insurance products
9
Private pension funds
10
Capital markets, stock and unit fund shares
11
Sources of information on financial services, how to interpret the information and how to differentiate the advertising information from the objective one
12
What parameters are used to compare the services offered by banks and other financial companies
13
What consumer rights protection laws are available and what one needs to do when one's consumer rights are violated
14
What information should a user pay attention to when signing a contract with a bank or another financial company
15
Other
16
I am not interested in any of such topics
99
Don't know
999
No answer
Sysmiss
Items of interest in personal finance management training
Items of interest in personal finance management training
Items of interest in personal finance management training
Items of interest in personal finance management training
Items of interest in personal finance management training
There is a list below of the topics regarding various aspects of personal finance management. Please specify which are most interesting to learn about in the course of financial training? Card # 20
Not more than 5 answers
265
2701
1
How to form one's own financial targets and draw a personal current financial plan
2
What to do not to get up to one's neck in debt when using credits
3
How to plan purchases of durables (car, apartment, dacha) and evaluate one's abilities to implement them
4
How does the pension scheme work and what methods are available to secure one's old age income
5
Banking services - current accounts, saving deposits, and plastic cards
6
Consumer credits to purchase goods and services
7
Mortgage loans
8
Insurance and insurance products
9
Private pension funds
10
Capital markets, stock and unit fund shares
11
Sources of information on financial services, how to interpret the information and how to differentiate the advertising information from the objective one
12
What parameters are used to compare the services offered by banks and other financial companies
13
What consumer rights protection laws are available and what one needs to do when one's consumer rights are violated
14
What information should a user pay attention to when signing a contract with a bank or another financial company
15
Other
16
I am not interested in any of such topics
99
Don't know
999
No answer
Sysmiss
Who is most suitable to deliver financial literacy training
Who is most suitable to deliver financial literacy training
Who is most suitable to deliver financial literacy training
Who is most suitable to deliver financial literacy training
Who is most suitable to deliver financial literacy training
Currently many organizations related to capital markets declare their preparedness to deal with improvement of financial literacy of the people. What kind of trainers do you see as the most suitable to deliver financial literacy program? Card # 21
Not more than 3 options
1600
1366
1
A commercial bank
2
Pension fund and/or insurance companies
3
Unit investment funds (management companies)
4
Non-government organizations or public organizations involved in consumer rights protection
5
Government entities regulating these markets
6
Higher education institutions of economic and financial profile
7
Independent financial consultants
8
Mass media (journalists and TV presenters)
9
Other people
99
Don't know
999
No answer
Sysmiss
Who is most suitable to deliver financial literacy training
Who is most suitable to deliver financial literacy training
Who is most suitable to deliver financial literacy training
Who is most suitable to deliver financial literacy training
Who is most suitable to deliver financial literacy training
Currently many organizations related to capital markets declare their preparedness to deal with improvement of financial literacy of the people. What kind of trainers do you see as the most suitable to deliver financial literacy program? Card # 21
Not more than 3 options
620
2346
1
A commercial bank
2
Pension fund and/or insurance companies
3
Unit investment funds (management companies)
4
Non-government organizations or public organizations involved in consumer rights protection
5
Government entities regulating these markets
6
Higher education institutions of economic and financial profile
7
Independent financial consultants
8
Mass media (journalists and TV presenters)
9
Other people
99
Don't know
999
No answer
Sysmiss
Who is most suitable to deliver financial literacy training
Who is most suitable to deliver financial literacy training
Who is most suitable to deliver financial literacy training
Who is most suitable to deliver financial literacy training
Who is most suitable to deliver financial literacy training
Currently many organizations related to capital markets declare their preparedness to deal with improvement of financial literacy of the people. What kind of trainers do you see as the most suitable to deliver financial literacy program? Card # 21
Not more than 3 options
340
2626
1
A commercial bank
2
Pension fund and/or insurance companies
3
Unit investment funds (management companies)
4
Non-government organizations or public organizations involved in consumer rights protection
5
Government entities regulating these markets
6
Higher education institutions of economic and financial profile
7
Independent financial consultants
8
Mass media (journalists and TV presenters)
9
Other people
99
Don't know
999
No answer
Sysmiss
Who is most suitable to deliver financial literacy trainin
Who is most suitable to deliver financial literacy trainin
Who is most suitable to deliver financial literacy trainin
Who is most suitable to deliver financial literacy trainin
Who is most suitable to deliver financial literacy trainin
Currently many organizations related to capital markets declare their preparedness to deal with improvement of financial literacy of the people. What kind of trainers do you see as the most suitable to deliver financial literacy program? Card # 21
Not more than 3 options
8
Áîäîøåôåð-àìåðèêàíñêèé ñïåöèàëèñò
âñåõ ïåðå÷èñëåííûõ
ãëàâ ìåñòíûõ íàñåëåíèé
ãðàìîòíûõ
çàèíòåðåñîâàííûõ â ïîëüçå ïîòðåáèòåëåé ëèö
ìåñòíà âëàñòü
îò çíàþùèõ ëþäåé
ñïåöèàëèñòîâ â ýòîé îáëàñòè
How would you spend 45K-50K ruble windfall income
How would you spend 45K-50K ruble windfall income
How would you spend 45K-50K ruble windfall income
How would you spend 45K-50K ruble windfall income
How would you spend 45K-50K ruble windfall income
Let's assume that in addition to your regular income your family got some money in the amount of 45,000-50,000 rubles. What would you do with this money most likely? Card #22.
Not more than 4 options
1600
1366
1
I'll spend it on the purchase of household goods
2
I'll try to add money (through borrowing, e.g.) and buy a plot of land, a car, etc.
3
I'll make long-term savings to accumulate money for more expensive things
4
I'll make reserves (for unexpected event, special events, for a rainy day, etc.)
5
I'll repay my earlier debts
6
I'll spend it on entertainment, on travel or vacation
7
I'll invest it in my own business
8
I'll spend it on education and development of my children
9
I'll spend it on upgrade of my skills or training for a new vacation/profession
10
I'll spend it on my medical treatment and that of my close family
11
I'll buy an insurance policy for myself or the family, spend it on voluntary pension (through a pension fund)
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 Russian companies, buy government bonds (obligations and the like)
15
Other
99
Don't know
999
No answer
Sysmiss
How would you spend 45K-50K ruble windfall income
How would you spend 45K-50K ruble windfall income
How would you spend 45K-50K ruble windfall income
How would you spend 45K-50K ruble windfall income
How would you spend 45K-50K ruble windfall income
Let's assume that in addition to your regular income your family got some money in the amount of 45,000-50,000 rubles. What would you do with this money most likely? Card #22.
Not more than 4 options
791
2175
1
I'll spend it on the purchase of household goods
2
I'll try to add money (through borrowing, e.g.) and buy a plot of land, a car, etc.
3
I'll make long-term savings to accumulate money for more expensive things
4
I'll make reserves (for unexpected event, special events, for a rainy day, etc.)
5
I'll repay my earlier debts
6
I'll spend it on entertainment, on travel or vacation
7
I'll invest it in my own business
8
I'll spend it on education and development of my children
9
I'll spend it on upgrade of my skills or training for a new vacation/profession
10
I'll spend it on my medical treatment and that of my close family
11
I'll buy an insurance policy for myself or the family, spend it on voluntary pension (through a pension fund)
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 Russian companies, buy government bonds (obligations and the like)
15
Other
99
Don't know
999
No answer
Sysmiss
How would you spend 45K-50K ruble windfall income
How would you spend 45K-50K ruble windfall income
How would you spend 45K-50K ruble windfall income
How would you spend 45K-50K ruble windfall income
How would you spend 45K-50K ruble windfall income
Let's assume that in addition to your regular income your family got some money in the amount of 45,000-50,000 rubles. What would you do with this money most likely? Card #22.
Not more than 4 options
398
2568
1
I'll spend it on the purchase of household goods
2
I'll try to add money (through borrowing, e.g.) and buy a plot of land, a car, etc.
3
I'll make long-term savings to accumulate money for more expensive things
4
I'll make reserves (for unexpected event, special events, for a rainy day, etc.)
5
I'll repay my earlier debts
6
I'll spend it on entertainment, on travel or vacation
7
I'll invest it in my own business
8
I'll spend it on education and development of my children
9
I'll spend it on upgrade of my skills or training for a new vacation/profession
10
I'll spend it on my medical treatment and that of my close family
11
I'll buy an insurance policy for myself or the family, spend it on voluntary pension (through a pension fund)
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 Russian companies, buy government bonds (obligations and the like)
15
Other
99
Don't know
999
No answer
Sysmiss
How would you spend 45K-50K ruble windfall income
How would you spend 45K-50K ruble windfall income
How would you spend 45K-50K ruble windfall income
How would you spend 45K-50K ruble windfall income
How would you spend 45K-50K ruble windfall income
Let's assume that in addition to your regular income your family got some money in the amount of 45,000-50,000 rubles. What would you do with this money most likely? Card #22.
Not more than 4 options
163
2803
1
I'll spend it on the purchase of household goods
2
I'll try to add money (through borrowing, e.g.) and buy a plot of land, a car, etc.
3
I'll make long-term savings to accumulate money for more expensive things
4
I'll make reserves (for unexpected event, special events, for a rainy day, etc.)
5
I'll repay my earlier debts
6
I'll spend it on entertainment, on travel or vacation
7
I'll invest it in my own business
8
I'll spend it on education and development of my children
9
I'll spend it on upgrade of my skills or training for a new vacation/profession
10
I'll spend it on my medical treatment and that of my close family
11
I'll buy an insurance policy for myself or the family, spend it on voluntary pension (through a pension fund)
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 Russian companies, buy government bonds (obligations and the like)
15
Other
99
Don't know
999
No answer
Sysmiss
How does family usually manage everyday revenues
How does family usually manage everyday revenues
How does family usually manage everyday revenues
How does family usually manage everyday revenues
How does family usually manage everyday revenues
How do you (does your family) usually manage your everyday revenues?
1600
1366
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
4
I find it difficult to answer this question
99
Don't know
999
No answer
Sysmiss
Family's reasons for saving/investment
Family's reasons for saving/investment
Family's reasons for saving/investment
Family's reasons for saving/investment
Family's reasons for saving/investment
People save or invest for different reasons. What are your (your family's) personal reasons to have made savings or investments? Card #23
Not more than 3 choices
1024
1942
1
For a rainy day, for unexpected expenses
2
For retirement
3
To get income in the form of interest, increased market value of assets, etc.
4
To save for a large purchase
5
To leave something for children to inherit
6
To increase my living standards in the future
7
I like saving and not spending money
8
To be independent and be able to make choices
9
To speculate on the stock exchange
10
No particular reason, this is a family tradition
11
For another reason
99
Don't know
999
No answer
Sysmiss
Family's reasons for saving/investment
Family's reasons for saving/investment
Family's reasons for saving/investment
Family's reasons for saving/investment
Family's reasons for saving/investment
People save or invest for different reasons. What are your (your family's) personal reasons to have made savings or investments? Card #23
Not more than 3 choices
385
2581
1
For a rainy day, for unexpected expenses
2
For retirement
3
To get income in the form of interest, increased market value of assets, etc.
4
To save for a large purchase
5
To leave something for children to inherit
6
To increase my living standards in the future
7
I like saving and not spending money
8
To be independent and be able to make choices
9
To speculate on the stock exchange
10
No particular reason, this is a family tradition
11
For another reason
99
Don't know
999
No answer
Sysmiss
Family's reasons for saving/investment
Family's reasons for saving/investment
Family's reasons for saving/investment
Family's reasons for saving/investment
Family's reasons for saving/investment
People save or invest for different reasons. What are your (your family's) personal reasons to have made savings or investments? Card #23
Not more than 3 choices
161
2805
1
For a rainy day, for unexpected expenses
2
For retirement
3
To get income in the form of interest, increased market value of assets, etc.
4
To save for a large purchase
5
To leave something for children to inherit
6
To increase my living standards in the future
7
I like saving and not spending money
8
To be independent and be able to make choices
9
To speculate on the stock exchange
10
No particular reason, this is a family tradition
11
For another reason
99
Don't know
999
No answer
Sysmiss
Family's reasons for saving/investment
Family's reasons for saving/investment
Family's reasons for saving/investment
Family's reasons for saving/investment
Family's reasons for saving/investment
People save or invest for different reasons. What are your (your family's) personal reasons to have made savings or investments? Card #23
Not more than 3 choices
19
10-ãî íåò â ìàòðèöå
äåòè îòêëàäûâàþò ìîþ ïåíñèþ íà êíèæêó
äåòÿì ïîìîãàþ
íà ëå÷åíèå
íà îáðàçîâàíèå äåòåé
íà ïåðååçä â äðóãîé ãîðîä
íà ïîõîðîíû
íà ïóòåøåñòâèå
íà ðåìîíò
íå äåëàþ ñáåðåæåíèé
íåò ñáåðåæåíèé
îáðàçîâàíèå äëÿ ñûíà
îïåðàöèÿ íà ãëàçà
ïîêà ðàáîòàåì, ïåíñèþ íå òðîãàåì
ïîìî÷ü äåòÿì
ïîìîùü äåòÿì
ó íàñ ìàëåíüêèé ðåáåíîê, íóæíî ýòî ó÷èòûâàòü
÷òî áû ñ äîìàìè ðàññ÷èòàòüñÿ
If you (your family) do/does not make savings, what is the reason
If you (your family) do/does not make savings, what is the reason
If you (your family) do/does not make savings, what is the reason
If you (your family) do/does not make savings, what is the reason
If you (your family) do/does not make savings, what is the reason
If you (your family) do/does not make savings, what is the reason? Card #24
Any number of choices
576
2390
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
4
I cannot resist the temptation to spend the money on shopping
5
For another reason
99
Don't know
999
No answer
Sysmiss
If you (your family) do/does not make savings, what is the reason
If you (your family) do/does not make savings, what is the reason
If you (your family) do/does not make savings, what is the reason
If you (your family) do/does not make savings, what is the reason
If you (your family) do/does not make savings, what is the reason
If you (your family) do/does not make savings, what is the reason? Card #24
Any number of choices
75
2891
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
4
I cannot resist the temptation to spend the money on shopping
5
For another reason
99
Don't know
999
No answer
Sysmiss
If you (your family) do/does not make savings, what is the reason
If you (your family) do/does not make savings, what is the reason
If you (your family) do/does not make savings, what is the reason
If you (your family) do/does not make savings, what is the reason
If you (your family) do/does not make savings, what is the reason
If you (your family) do/does not make savings, what is the reason? Card #24
Any number of choices
16
2950
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
4
I cannot resist the temptation to spend the money on shopping
5
For another reason
99
Don't know
999
No answer
Sysmiss
If you (your family) do/does not make savings, what is the reason
If you (your family) do/does not make savings, what is the reason
If you (your family) do/does not make savings, what is the reason
If you (your family) do/does not make savings, what is the reason
If you (your family) do/does not make savings, what is the reason
If you (your family) do/does not make savings, what is the reason? Card #24
Any number of choices
2966
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
4
I cannot resist the temptation to spend the money on shopping
5
For another reason
99
Don't know
999
No answer
Sysmiss
If you (your family) do/does not make savings, what is the reason
If you (your family) do/does not make savings, what is the reason
If you (your family) do/does not make savings, what is the reason
If you (your family) do/does not make savings, what is the reason
If you (your family) do/does not make savings, what is the reason
If you (your family) do/does not make savings, what is the reason? Card #24
Any number of choices
8
äåíüãè èäóò íà ñòîèòåëüñòâî äîìà è îòäûõ
äåòÿì ïîìîãàåì
ìíå ñëèøêîì ìíîãî íóæíî
íå õâàòàåò ÷òîáû îòëîæèòü
íåò ñðåäñòâ
îòäàþ äåòÿì
ïîìîãàþ ðàñòèòü âíóêîâ
ó ìîëîäîé ñåìüè ìíîãî ïîòðåáíîñòåé
What financial services from the given below do you personally use
What financial services from the given below do you personally use
What financial services from the given below do you personally use
What financial services from the given below do you personally use
What financial services from the given below do you personally use
What financial services from the given below do you personally use currently?
Any number of choices
1600
1366
1
Consumer credit
2
Bank current account
3
Bank deposit account
4
Currency exchange
5
Credit card
6
Bank plastic card (not a credit one)
7
Mortgage loan
8
Insurance policies
9
Investments in unit funds
10
Investments in companies' stock
11
Private pension fund policies
12
None of the above
99
Don't know
999
Sysmiss
What financial services from the given below do you personally use
What financial services from the given below do you personally use
What financial services from the given below do you personally use
What financial services from the given below do you personally use
What financial services from the given below do you personally use
What financial services from the given below do you personally use currently?
Any number of choices
370
2596
1
Consumer credit
2
Bank current account
3
Bank deposit account
4
Currency exchange
5
Credit card
6
Bank plastic card (not a credit one)
7
Mortgage loan
8
Insurance policies
9
Investments in unit funds
10
Investments in companies' stock
11
Private pension fund policies
12
None of the above
99
Don't know
Sysmiss
What financial services from the given below do you personally use
What financial services from the given below do you personally use
What financial services from the given below do you personally use
What financial services from the given below do you personally use
What financial services from the given below do you personally use
What financial services from the given below do you personally use currently?
Any number of choices
138
2828
1
Consumer credit
2
Bank current account
3
Bank deposit account
4
Currency exchange
5
Credit card
6
Bank plastic card (not a credit one)
7
Mortgage loan
8
Insurance policies
9
Investments in unit funds
10
Investments in companies' stock
11
Private pension fund policies
12
None of the above
99
Don't know
Sysmiss
What financial services from the given below do you personally use
What financial services from the given below do you personally use
What financial services from the given below do you personally use
What financial services from the given below do you personally use
What financial services from the given below do you personally use
What financial services from the given below do you personally use currently?
Any number of choices
34
2932
1
Consumer credit
2
Bank current account
3
Bank deposit account
4
Currency exchange
5
Credit card
6
Bank plastic card (not a credit one)
7
Mortgage loan
8
Insurance policies
9
Investments in unit funds
10
Investments in companies' stock
11
Private pension fund policies
12
None of the above
99
Don't know
Sysmiss
What financial services from the given below do you personally use
What financial services from the given below do you personally use
What financial services from the given below do you personally use
What financial services from the given below do you personally use
What financial services from the given below do you personally use
What financial services from the given below do you personally use currently?
Any number of choices
9
2957
1
Consumer credit
2
Bank current account
3
Bank deposit account
4
Currency exchange
5
Credit card
6
Bank plastic card (not a credit one)
7
Mortgage loan
8
Insurance policies
9
Investments in unit funds
10
Investments in companies' stock
11
Private pension fund policies
12
None of the above
99
Don't know
Sysmiss
What financial services from the given below do your family members use
What financial services from the given below do your family members use
What financial services from the given below do your family members use
What financial services from the given below do your family members use
What financial services from the given below do your family members use
What financial services from the given below do your family members use currently?
Any number of choices
1600
1366
1
Consumer credit
2
Bank current account
3
Bank deposit account
4
Currency exchange
5
Credit card
6
Bank plastic card (not a credit one)
7
Mortgage loan
8
Insurance policies
9
Investments in unit funds
10
Investments in companies' stock
11
Private pension fund policies
12
None of the above
99
Don't know
999
Sysmiss
What financial services from the given below do your family members use
What financial services from the given below do your family members use
What financial services from the given below do your family members use
What financial services from the given below do your family members use
What financial services from the given below do your family members use
What financial services from the given below do your family members use currently?
Any number of choices
357
2609
1
Consumer credit
2
Bank current account
3
Bank deposit account
4
Currency exchange
5
Credit card
6
Bank plastic card (not a credit one)
7
Mortgage loan
8
Insurance policies
9
Investments in unit funds
10
Investments in companies' stock
11
Private pension fund policies
12
None of the above
99
Don't know
Sysmiss
What financial services from the given below do your family members use
What financial services from the given below do your family members use
What financial services from the given below do your family members use
What financial services from the given below do your family members use
What financial services from the given below do your family members use
What financial services from the given below do your family members use currently?
Any number of choices
165
2801
1
Consumer credit
2
Bank current account
3
Bank deposit account
4
Currency exchange
5
Credit card
6
Bank plastic card (not a credit one)
7
Mortgage loan
8
Insurance policies
9
Investments in unit funds
10
Investments in companies' stock
11
Private pension fund policies
12
None of the above
99
Don't know
Sysmiss
What financial services from the given below do your family members use
What financial services from the given below do your family members use
What financial services from the given below do your family members use
What financial services from the given below do your family members use
What financial services from the given below do your family members use
What financial services from the given below do your family members use currently?
Any number of choices
55
2911
1
Consumer credit
2
Bank current account
3
Bank deposit account
4
Currency exchange
5
Credit card
6
Bank plastic card (not a credit one)
7
Mortgage loan
8
Insurance policies
9
Investments in unit funds
10
Investments in companies' stock
11
Private pension fund policies
12
None of the above
99
Don't know
Sysmiss
What financial services from the given below do your family members use
What financial services from the given below do your family members use
What financial services from the given below do your family members use
What financial services from the given below do your family members use
What financial services from the given below do your family members use
What financial services from the given below do your family members use currently?
Any number of choices
24
2942
1
Consumer credit
2
Bank current account
3
Bank deposit account
4
Currency exchange
5
Credit card
6
Bank plastic card (not a credit one)
7
Mortgage loan
8
Insurance policies
9
Investments in unit funds
10
Investments in companies' stock
11
Private pension fund policies
12
None of the above
99
Don't know
Sysmiss
What financial services from the given below do your family members use
What financial services from the given below do your family members use
What financial services from the given below do your family members use
What financial services from the given below do your family members use
What financial services from the given below do your family members use
What financial services from the given below do your family members use currently?
Any number of choices
6
2960
1
Consumer credit
2
Bank current account
3
Bank deposit account
4
Currency exchange
5
Credit card
6
Bank plastic card (not a credit one)
7
Mortgage loan
8
Insurance policies
9
Investments in unit funds
10
Investments in companies' stock
11
Private pension fund policies
12
None of the above
99
Don't know
Sysmiss
What financial services from the given below do your family members use
What financial services from the given below do your family members use
What financial services from the given below do your family members use
What financial services from the given below do your family members use
What financial services from the given below do your family members use
What financial services from the given below do your family members use currently?
Any number of choices
3
2963
1
Consumer credit
2
Bank current account
3
Bank deposit account
4
Currency exchange
5
Credit card
6
Bank plastic card (not a credit one)
7
Mortgage loan
8
Insurance policies
9
Investments in unit funds
10
Investments in companies' stock
11
Private pension fund policies
12
None of the above
99
Don't know
Sysmiss
What financial services from the given below do your family members use
What financial services from the given below do your family members use
What financial services from the given below do your family members use
What financial services from the given below do your family members use
What financial services from the given below do your family members use
What financial services from the given below do your family members use currently?
Any number of choices
1
2965
1
Consumer credit
2
Bank current account
3
Bank deposit account
4
Currency exchange
5
Credit card
6
Bank plastic card (not a credit one)
7
Mortgage loan
8
Insurance policies
9
Investments in unit funds
10
Investments in companies' stock
11
Private pension fund policies
12
None of the above
99
Don't know
Sysmiss
Which services would you like to get additional information about
Which services would you like to get additional information about
Which services would you like to get additional information about
Which services would you like to get additional information about
Which services would you like to get additional information about
What services of the above would you like to know better or get additional information about?
Any number of choices
1600
1366
1
Consumer credit
2
Bank current account
3
Bank deposit account
4
Currency exchange
5
Credit card
6
Bank plastic card (not a credit one)
7
Mortgage loan
8
Insurance policies
9
Investments in unit funds
10
Investments in companies' stock
11
Private pension fund policies
12
None of the above
99
Don't know
Sysmiss
Which services would you like to get additional information about
Which services would you like to get additional information about
Which services would you like to get additional information about
Which services would you like to get additional information about
Which services would you like to get additional information about
What services of the above would you like to know better or get additional information about?
Any number of choices
400
2566
1
Consumer credit
2
Bank current account
3
Bank deposit account
4
Currency exchange
5
Credit card
6
Bank plastic card (not a credit one)
7
Mortgage loan
8
Insurance policies
9
Investments in unit funds
10
Investments in companies' stock
11
Private pension fund policies
12
None of the above
99
Don't know
Sysmiss
Which services would you like to get additional information about
Which services would you like to get additional information about
Which services would you like to get additional information about
Which services would you like to get additional information about
Which services would you like to get additional information about
What services of the above would you like to know better or get additional information about?
Any number of choices
195
2771
1
Consumer credit
2
Bank current account
3
Bank deposit account
4
Currency exchange
5
Credit card
6
Bank plastic card (not a credit one)
7
Mortgage loan
8
Insurance policies
9
Investments in unit funds
10
Investments in companies' stock
11
Private pension fund policies
12
None of the above
99
Don't know
Sysmiss
Which services would you like to get additional information about
Which services would you like to get additional information about
Which services would you like to get additional information about
Which services would you like to get additional information about
Which services would you like to get additional information about
What services of the above would you like to know better or get additional information about?
Any number of choices
74
2892
1
Consumer credit
2
Bank current account
3
Bank deposit account
4
Currency exchange
5
Credit card
6
Bank plastic card (not a credit one)
7
Mortgage loan
8
Insurance policies
9
Investments in unit funds
10
Investments in companies' stock
11
Private pension fund policies
12
None of the above
99
Don't know
Sysmiss
Which services would you like to get additional information about
Which services would you like to get additional information about
Which services would you like to get additional information about
Which services would you like to get additional information about
Which services would you like to get additional information about
What services of the above would you like to know better or get additional information about?
Any number of choices
30
2936
1
Consumer credit
2
Bank current account
3
Bank deposit account
4
Currency exchange
5
Credit card
6
Bank plastic card (not a credit one)
7
Mortgage loan
8
Insurance policies
9
Investments in unit funds
10
Investments in companies' stock
11
Private pension fund policies
12
None of the above
99
Don't know
Sysmiss
Which services would you like to get additional information about
Which services would you like to get additional information about
Which services would you like to get additional information about
Which services would you like to get additional information about
Which services would you like to get additional information about
What services of the above would you like to know better or get additional information about?
Any number of choices
8
2958
1
Consumer credit
2
Bank current account
3
Bank deposit account
4
Currency exchange
5
Credit card
6
Bank plastic card (not a credit one)
7
Mortgage loan
8
Insurance policies
9
Investments in unit funds
10
Investments in companies' stock
11
Private pension fund policies
12
None of the above
99
Don't know
Sysmiss
Which services would you like to get additional information about
Which services would you like to get additional information about
Which services would you like to get additional information about
Which services would you like to get additional information about
Which services would you like to get additional information about
What services of the above would you like to know better or get additional information about?
Any number of choices
5
2961
1
Consumer credit
2
Bank current account
3
Bank deposit account
4
Currency exchange
5
Credit card
6
Bank plastic card (not a credit one)
7
Mortgage loan
8
Insurance policies
9
Investments in unit funds
10
Investments in companies' stock
11
Private pension fund policies
12
None of the above
99
Don't know
Sysmiss
Which services would you like to get additional information about
Which services would you like to get additional information about
Which services would you like to get additional information about
Which services would you like to get additional information about
Which services would you like to get additional information about
What services of the above would you like to know better or get additional information about?
Any number of choices
4
2962
1
Consumer credit
2
Bank current account
3
Bank deposit account
4
Currency exchange
5
Credit card
6
Bank plastic card (not a credit one)
7
Mortgage loan
8
Insurance policies
9
Investments in unit funds
10
Investments in companies' stock
11
Private pension fund policies
12
None of the above
99
Don't know
Sysmiss
Which services would you like to get additional information about
Which services would you like to get additional information about
Which services would you like to get additional information about
Which services would you like to get additional information about
Which services would you like to get additional information about
What services of the above would you like to know better or get additional information about?
Any number of choices
1
2965
1
Consumer credit
2
Bank current account
3
Bank deposit account
4
Currency exchange
5
Credit card
6
Bank plastic card (not a credit one)
7
Mortgage loan
8
Insurance policies
9
Investments in unit funds
10
Investments in companies' stock
11
Private pension fund policies
12
None of the above
99
Don't know
Sysmiss
Which services would you like to get additional information about
Which services would you like to get additional information about
Which services would you like to get additional information about
Which services would you like to get additional information about
Which services would you like to get additional information about
What services of the above would you like to know better or get additional information about?
Any number of choices
1
2965
1
Consumer credit
2
Bank current account
3
Bank deposit account
4
Currency exchange
5
Credit card
6
Bank plastic card (not a credit one)
7
Mortgage loan
8
Insurance policies
9
Investments in unit funds
10
Investments in companies' stock
11
Private pension fund policies
12
None of the above
99
Don't know
Sysmiss
Which services would you like to get additional information about
Which services would you like to get additional information about
Which services would you like to get additional information about
Which services would you like to get additional information about
Which services would you like to get additional information about
What services of the above would you like to know better or get additional information about?
Any number of choices
1
2965
1
Consumer credit
2
Bank current account
3
Bank deposit account
4
Currency exchange
5
Credit card
6
Bank plastic card (not a credit one)
7
Mortgage loan
8
Insurance policies
9
Investments in unit funds
10
Investments in companies' stock
11
Private pension fund policies
12
None of the above
99
Don't know
Sysmiss
How often do you compare the terms of financial services before you buy
How often do you compare the terms of financial services before you buy
How often do you compare the terms of financial services before you buy
How often do you compare the terms of financial services before you buy
How often do you compare the terms of financial services before you buy
How often do you compare the terms and conditions for provision of financial services by various companies before you buy such a service?
2966
1
Always
2
Sometimes
3
Rarely
4
Never
99
Don't know
999
No answer
What sources of information do you use when choosing buying a financial service
What sources of information do you use when choosing buying a financial service
What sources of information do you use when choosing buying a financial service
What sources of information do you use when choosing buying a financial service
What sources of information do you use when choosing buying a financial service
What sources of information do you pay attention to when choosing a company to buy a service from?
Not more than 3 choices
965
2001
1
Advertisements
2
Advice of consultants working for providers of a required service
3
Information materials of financial companies on their tariffs and services of various types
4
Recommendations of independent financial consultants or brokers
5
Advice of friends and relatives
6
Analytical materials published in mass media
7
Employer's advice
8
Internet resources
9
Other sourses
99
Don't know
999
No answer
Sysmiss
What sources of information do you use when choosing buying a financial service
What sources of information do you use when choosing buying a financial service
What sources of information do you use when choosing buying a financial service
What sources of information do you use when choosing buying a financial service
What sources of information do you use when choosing buying a financial service
What sources of information do you pay attention to when choosing a company to buy a service from?
Not more than 3 choices
483
2483
1
Advertisements
2
Advice of consultants working for providers of a required service
3
Information materials of financial companies on their tariffs and services of various types
4
Recommendations of independent financial consultants or brokers
5
Advice of friends and relatives
6
Analytical materials published in mass media
7
Employer's advice
8
Internet resources
9
Other sourses
99
Don't know
999
No answer
Sysmiss
What sources of information do you use when choosing buying a financial service
What sources of information do you use when choosing buying a financial service
What sources of information do you use when choosing buying a financial service
What sources of information do you use when choosing buying a financial service
What sources of information do you use when choosing buying a financial service
What sources of information do you pay attention to when choosing a company to buy a service from?
Not more than 3 choices
228
2738
1
Advertisements
2
Advice of consultants working for providers of a required service
3
Information materials of financial companies on their tariffs and services of various types
4
Recommendations of independent financial consultants or brokers
5
Advice of friends and relatives
6
Analytical materials published in mass media
7
Employer's advice
8
Internet resources
9
Other sourses
99
Don't know
999
No answer
Sysmiss
What sources of information do you use when choosing buying a financial service
What sources of information do you use when choosing buying a financial service
What sources of information do you use when choosing buying a financial service
What sources of information do you use when choosing buying a financial service
What sources of information do you use when choosing buying a financial service
What sources of information do you pay attention to when choosing a company to buy a service from?
Not more than 3 choices
10
ÒÂ
â ìàãàçèíå ðàáîòàåò íåñêîëüêî áàíêîâ ñðàâíèâàþ óñëîâèÿ è âûáèðàþ íàèáîëåå ïðèåìëåìûå
íà ñåáÿ, ðàíüøå çàíèìàëñÿ ýêîíîìèêîé
îïûò
ïðîøó âñå ïðîñ÷èòàòü ñíà÷àëà â îäíîì áàíêå, ïîòîì â äðóãîì è ñðàâíèâàþ ïåðåïëàòó
ðàçíîå
ðåêëàìà
ñàìà ðàáîòàþ â áàíêå
ñâîèì ñïåöèàëèñòàì
òâ
Gender
Gender
Gender
Gender
Gender
RESPONDENT'S GENDER
2966
1
Male
2
Female
99
Don't know
999
No answer
Age
Age
Age
Age
Age
HOW OLD ARE YOU? ______________ FULL YEARS
2966
18
91
45.197
17.586
Education
Education
Education
Education
Education
YOUR EDUCATION? (ONE ANSWER)
INTERVIEWER: (compare the quotas)
1600
1366
1
Primary or lower education
2
Incomplete secondary education
3
Secondary education (general or vocational school)
4
Special vocational education (technical college)
5
Incomplete higher education (at least 3 years of higher educational institution)
6
Higher education
99
Don't know
999
No answer
Sysmiss
Employment category
Employment category
Employment category
Employment category
Employment category
WHICH GROUP OF EMPLOYEES DO YOU REFER YOURSELF TO BASED ON YOUR MAIN JOB?
(SHOW CARD16, ONE ANSWER)
1600
1366
1
Qualified worker, including agriculture
2
Unqualified worker, including agriculture
3
Enlisted personnel in the army, interior forces, including police and security force
4
Business person, entrepreneur
5
Civil servant, public authority officer
6
Specialist with higher education in the manufacturing sector
7
Specialist with higher education outside the manufacturing sector (science, culture, education)
8
Employee without a higher education ( secretary, office worker, shop assistant)
9
Registered unemployed
10
Student
11
Pensioner, non working
12
Household worker (like a housewife)
13
Other group
99
Don't know
999
No answer
Sysmiss
Personal income (Rubles)
Personal income (Rubles)
Personal income (Rubles)
Personal income (Rubles)
Personal income (Rubles)
WHAT WAS THE LEVEL OF YOUR EARNINGS, WAGES/SALARY IN YOUR MAIN JOB, INCLUDING BONUSES, VACATION BENEFITS, AND OTHER PAYMENTS (AFTER TAX DEDUCTIONS).
(READ OUT, ONLY ONE ANSWER)
1600
1366
-99
Don't know/No answer
50
250
300
315
350
370
500
580
650
800
1000
1080
1200
1300
1400
1500
1600
1630
1660
1800
2000
2100
2300
2400
2500
2646
2700
2800
2872
2900
3000
3060
3070
3100
3150
3200
3300
3400
3462
3500
3600
3620
3700
3800
3900
4000
4072
4100
4150
4200
4250
4300
4400
4500
4560
4600
4700
4750
4800
4850
4900
5000
5120
5200
5300
5400
5500
5600
5700
5800
5950
6000
6200
6270
6300
6400
6500
6600
6700
6800
6900
6936
7000
7100
7200
7400
7500
7600
7800
8000
8100
8300
8400
8500
8900
9000
9500
9550
9700
10000
10500
11000
11500
12000
12100
13000
13500
14000
15000
15500
15700
16000
16500
16800
17000
18000
19000
20000
22000
23000
24000
25000
26000
27000
28000
29000
30000
31000
35000
38000
40000
45000
50000
55000
60000
75000
300000
Sysmiss
Family income (Rubles)
Family income (Rubles)
Family income (Rubles)
Family income (Rubles)
Family income (Rubles)
HOW MUCH MONEY ON AVERAGE DO ALL MEMBERS OF YOUR FAMILY GET PER MONTH FROM ALL SOURCES OF INCOME?
(READ OUT, ONLY ONE ANSWER)
2966
-99
Don't know/No answer
900
1000
1080
1500
1660
1800
1804
2000
2100
2300
2500
2800
3000
3070
3150
3200
3400
3500
3600
3700
3800
3900
4000
4100
4200
4400
4500
4600
4700
4750
4800
4850
4900
5000
5100
5200
5300
5500
5600
5700
5800
6000
6270
6300
6500
6600
6700
6800
6900
7000
7200
7300
7400
7500
7700
7800
7900
8000
8200
8300
8350
8400
8500
8600
9000
9200
9300
9450
9500
9600
9700
9800
9900
10000
10400
10500
10900
11000
11500
12000
12500
12600
12800
13000
13500
14000
14200
14500
15000
15500
15600
16000
17000
17500
18000
19000
19500
20000
21000
22000
22200
23000
23500
23700
24000
25000
25300
26000
27000
28000
29000
30000
31000
32000
33000
34000
35000
35001
36000
37000
38000
39000
40000
41000
42000
43000
44000
45000
46000
47000
48000
50000
53000
55000
57000
58000
60000
65000
65500
70000
72000
75000
78000
80000
86000
90000
95000
100000
120000
130000
150000
200000
250000
People per household (including respondent)
People per household (including respondent)
People per household (including respondent)
People per household (including respondent)
People per household (including respondent)
HOW MANY PEOPLE LIVE IN YOUR HOUSHOLD INCLUDING YOU PERSONALLY AND ALL CHILDREN? _________ PEOPLE
2966
1
2
3
4
5
6
7
8
10
11
12
Economic classification
Economic classification
Economic classification
Economic classification
Economic classification
WHICH GROUP OF PEOPLE DO YOU THINK YOU BELONG TO (SHOW CARD, ONE ANSWER)
2966
1
We hardly make the ends meet, we do not have enough money even for food
2
We have enough money to buy food but buying clothes causes financial difficulties
3
We have enough money to buy food and clothes, but purchase of durable goods (a TV-set, a refrigerator) is problematic
4
We have no trouble buying durable goods, but purchase of a really expensive thing like a car is hard for us
5
We can afford quite expensive things - apartment, dacha, and many other ones
99
Don't know
999
No answer
Do you have a bank card?
Do you have a bank card?
Do you have a bank card?
Do you have a bank card?
Do you have a bank card?
Do you have a bank (plastic) card?
< ONE CHOICE>
1366
1600
1
Yes
2
No
99
Don't know
Sysmiss
Reason received bank card
Reason received bank card
Reason received bank card
Reason received bank card
Reason received bank card
What was the reason you received this bank card:
<CAN ANSWER MORE THAN ONE CHOICE>
610
2356
1
For transferring on it a salary, pension
2
To use money from other bank deposits
3
To obtain credit
4
For cashless payment for goods and services
5
None of the above
6
Other (what exactly)
99
Don't know
Sysmiss
Reason received bank card
Reason received bank card
Reason received bank card
Reason received bank card
Reason received bank card
What was the reason you received this bank card:
<CAN ANSWER MORE THAN ONE CHOICE>
147
2819
1
For transferring on it a salary, pension
2
To use money from other bank deposits
3
To obtain credit
4
For cashless payment for goods and services
5
None of the above
6
Other (what exactly)
99
Don't know
Sysmiss
Reason received bank card
Reason received bank card
Reason received bank card
Reason received bank card
Reason received bank card
What was the reason you received this bank card:
<CAN ANSWER MORE THAN ONE CHOICE>
40
2926
1
For transferring on it a salary, pension
2
To use money from other bank deposits
3
To obtain credit
4
For cashless payment for goods and services
5
None of the above
6
Other (what exactly)
99
Don't know
Sysmiss
Reason received bank card
Reason received bank card
Reason received bank card
Reason received bank card
Reason received bank card
What was the reason you received this bank card:
<CAN ANSWER MORE THAN ONE CHOICE>
13
2953
1
For transferring on it a salary, pension
2
To use money from other bank deposits
3
To obtain credit
4
For cashless payment for goods and services
5
None of the above
6
Other (what exactly)
99
Don't know
Sysmiss
Reason received bank card
Reason received bank card
Reason received bank card
Reason received bank card
Reason received bank card
What was the reason you received this bank card:
<CAN ANSWER MORE THAN ONE CHOICE>
9
?? ?????????
?? ????????? ?? ???
??? ?????? ?? ???????
??? ???????????? ???. ?????? ?? ????????
??? ???????????? ???????? ?? ?????? ???
???? ?? ???????????
????? ?????? ??????
???????????? ????
Year opened bank current or deposit account
Year opened bank current or deposit account
Year opened bank current or deposit account
Year opened bank current or deposit account
Year opened bank current or deposit account
In what year did you first open a bank current or deposit account?
< ONE CHOICE>
1367
1599
1
Rember the year
2
Never did not open
99
Don't know
Sysmiss
Year opened a current/deposit acc
Year opened a current/deposit acc
Year opened a current/deposit acc
Year opened a current/deposit acc
Year opened a current/deposit acc
In what year did you first open a bank current or deposit account?
< ONE CHOICE>
734
2232
1949
2009
1998.736
9.571
Do you have a bank account (other than plastic card)
Do you have a bank account (other than plastic card)
Do you have a bank account (other than plastic card)
Do you have a bank account (other than plastic card)
Do you have a bank account (other than plastic card)
Do you have a bank current account or deposit account in the bank (except the plastic card account)?
< ONE CHOICE>
907
2059
1
Yes
2
No
99
Don't know
Sysmiss
Did family withdraw foreign-denominated deposits in last 6 mths
Did family withdraw foreign-denominated deposits in last 6 mths
Did family withdraw foreign-denominated deposits in last 6 mths
Did family withdraw foreign-denominated deposits in last 6 mths
Did family withdraw foreign-denominated deposits in last 6 mths
In the last six months, did your family withdraw any foreign-denominated deposits?
< ONE CHOICE>
907
2059
1
Yes, has closed after the contract expiry of the term
2
Yes, has closed ahead of schedule
3
No
99
Don't know
Sysmiss
Will you continue to use current/deposit acc?
Will you continue to use current/deposit acc?
Will you continue to use current/deposit acc?
Will you continue to use current/deposit acc?
Will you continue to use current/deposit acc?
Do you intend to continue to use current account or deposit account in banks?
< ONE CHOICE>
907
2059
1
Yes
2
No
99
Don't know
Sysmiss
Interest rate paid on consumer loan
Interest rate paid on consumer loan
Interest rate paid on consumer loan
Interest rate paid on consumer loan
Interest rate paid on consumer loan
If you still completely have not paid for consumer loan, approximately what is the interest rate you are paying on this loan?
(If the respondent has several bank credits, to specify that rate which is the highest) < ONE CHOICE>
445
2521
1
Interest rate paid monthly or annually
2
The credit has paid
99
Don't know
Sysmiss
Interest rate paid on consumer loan
Interest rate paid on consumer loan
Interest rate paid on consumer loan
Interest rate paid on consumer loan
Interest rate paid on consumer loan
If you still completely have not paid for consumer loan, approximately what is the interest rate you are paying on this loan?
(If the respondent has several bank credits, to specify that rate which is the highest) < ONE CHOICE>
164
2802
75
19.805
9.916
Interest rate paid on consumer loan
Interest rate paid on consumer loan
Interest rate paid on consumer loan
Interest rate paid on consumer loan
Interest rate paid on consumer loan
If you still completely have not paid for consumer loan, approximately what is the interest rate you are paying on this loan?
(If the respondent has several bank credits, to specify that rate which is the highest) < ONE CHOICE>
34
2932
2
10000
1649.471
2819.193
Have you been informed of changes in fin terms in past 12 mths
Have you been informed of changes in fin terms in past 12 mths
Have you been informed of changes in fin terms in past 12 mths
Have you been informed of changes in fin terms in past 12 mths
Have you been informed of changes in fin terms in past 12 mths
Have you been informed of any changes of the financial terms in the past 12 months?
<CAN ANSWER MORE THAN ONE CHOICE>
238
2728
1
No
2
Yes, the interest rate has changed
3
Yes, the maturities has changed
4
Other (what exactly?)
99
Don't know
Sysmiss
Have you been informed of changes in fin terms in past 12 mths
Have you been informed of changes in fin terms in past 12 mths
Have you been informed of changes in fin terms in past 12 mths
Have you been informed of changes in fin terms in past 12 mths
Have you been informed of changes in fin terms in past 12 mths
Have you been informed of any changes of the financial terms in the past 12 months?
<CAN ANSWER MORE THAN ONE CHOICE>
1
??????????
Does anyone owe family money
Does anyone owe family money
Does anyone owe family money
Does anyone owe family money
Does anyone owe family money
Does anyone owe your family money?
< ONE CHOICE>
1366
1600
1
Yes
2
No
99
Don't know
Sysmiss
What funds to live on in retirement
What funds to live on in retirement
What funds to live on in retirement
What funds to live on in retirement
What funds to live on in retirement
What funds will you live on after you reach retirement age?
<CAN ANSWER MORE THAN ONE CHOICE>
1366
1600
1
Pension from public retirement fund
2
Your own earnings
3
Income from leasing and selling property
4
Support from children, relatives, acquaintances
5
Pension from an entreprise
6
Your own savings
7
Support from church, charitable organizations
8
Pension from private retirement fund
9
Other (what exaclty?)
99
Don't know
Sysmiss
What funds to live on in retirement
What funds to live on in retirement
What funds to live on in retirement
What funds to live on in retirement
What funds to live on in retirement
What funds will you live on after you reach retirement age?
<CAN ANSWER MORE THAN ONE CHOICE>
644
2322
1
Pension from public retirement fund
2
Your own earnings
3
Income from leasing and selling property
4
Support from children, relatives, acquaintances
5
Pension from an entreprise
6
Your own savings
7
Support from church, charitable organizations
8
Pension from private retirement fund
9
Other (what exaclty?)
99
Don't know
Sysmiss
What funds to live on in retirement
What funds to live on in retirement
What funds to live on in retirement
What funds to live on in retirement
What funds to live on in retirement
What funds will you live on after you reach retirement age?
<CAN ANSWER MORE THAN ONE CHOICE>
157
2809
1
Pension from public retirement fund
2
Your own earnings
3
Income from leasing and selling property
4
Support from children, relatives, acquaintances
5
Pension from an entreprise
6
Your own savings
7
Support from church, charitable organizations
8
Pension from private retirement fund
9
Other (what exaclty?)
99
Don't know
Sysmiss
What funds to live on in retirement
What funds to live on in retirement
What funds to live on in retirement
What funds to live on in retirement
What funds to live on in retirement
What funds will you live on after you reach retirement age?
<CAN ANSWER MORE THAN ONE CHOICE>
33
2933
1
Pension from public retirement fund
2
Your own earnings
3
Income from leasing and selling property
4
Support from children, relatives, acquaintances
5
Pension from an entreprise
6
Your own savings
7
Support from church, charitable organizations
8
Pension from private retirement fund
9
Other (what exaclty?)
99
Don't know
Sysmiss
What funds to live on in retirement
What funds to live on in retirement
What funds to live on in retirement
What funds to live on in retirement
What funds to live on in retirement
What funds will you live on after you reach retirement age?
<CAN ANSWER MORE THAN ONE CHOICE>
3
2963
1
Pension from public retirement fund
2
Your own earnings
3
Income from leasing and selling property
4
Support from children, relatives, acquaintances
5
Pension from an entreprise
6
Your own savings
7
Support from church, charitable organizations
8
Pension from private retirement fund
9
Other (what exaclty?)
99
Don't know
Sysmiss
Which is the riskier asset
Which is the riskier asset
Which is the riskier asset
Which is the riskier asset
Which is the riskier asset
Which is the riskier asset to invest in?
< ONE CHOICE>
1366
1600
1
Shares in a single company stock
2
Shares in a unit fund
3
Risks are identical in both cases
99
Don't know
Sysmiss
How often banks stock market discussed growing up
How often banks stock market discussed growing up
How often banks stock market discussed growing up
How often banks stock market discussed growing up
How often banks stock market discussed growing up
How often were banks, the stock market, and the fact that people are now in charge of their own financial security in the future discussed in the television, radio and the newspapers when you were growing up and were a young adult?
< ONE CHOICE>
1366
1600
1
Very often
2
Often
3
Not very often
4
Rarely
5
Not at all
99
Don't know
Sysmiss
How has family fin situation changed last 12 mths
How has family fin situation changed last 12 mths
How has family fin situation changed last 12 mths
How has family fin situation changed last 12 mths
How has family fin situation changed last 12 mths
How has the financial situation of your family changed in the last 12 months?
< ONE CHOICE>
1366
1600
1
Greatly improved
2
Slightly improved
3
Has not changed
4
Slightly worsened
5
Greatly worsened
99
Don't know
Sysmiss
How will family fin sit change next 12 mths
How will family fin sit change next 12 mths
How will family fin sit change next 12 mths
How will family fin sit change next 12 mths
How will family fin sit change next 12 mths
How will the financial situation of your family change in the next 12 months?
< ONE CHOICE>
1366
1600
1
Greatly improved
2
Slightly improved
3
Has not changed
4
Slightly worsened
5
Greatly worsened
99
Don't know
Sysmiss
Describe current debt position
Describe current debt position
Describe current debt position
Describe current debt position
Describe current debt position
Which of the following best describes your current debt position?
< ONE CHOICE>
1366
1600
1
I have too much debt now
2
I have about the right amount of debt now
3
I have to little debt right now and I wish I could get more
4
I don't have any debts
99
Don't know
Sysmiss
Have you experienced sharp increase in late payment penalties for credit card
Have you experienced sharp increase in late payment penalties for credit card
Have you experienced sharp increase in late payment penalties for credit card
Have you experienced sharp increase in late payment penalties for credit card
Have you experienced sharp increase in late payment penalties for credit card
In the past 12 months, have you experienced a sharp increase in penalties for delay in payments by credit cards?
< ONE CHOICE>
1366
1600
1
Don't have credit card
2
Yes
3
No
99
Don't know
Sysmiss
Do credit bureaus exist in Russia
Do credit bureaus exist in Russia
Do credit bureaus exist in Russia
Do credit bureaus exist in Russia
Do credit bureaus exist in Russia
Whether exist in Russia of credit bureaus?
< ONE CHOICE>
1366
1600
1
Yes
2
No
99
Don't know
Sysmiss
Do you know what a credit bureau is
Do you know what a credit bureau is
Do you know what a credit bureau is
Do you know what a credit bureau is
Do you know what a credit bureau is
Do you know what the credit bureau is?
< ONE CHOICE>
1366
1600
1
Yes, I know
2
Something heard about it
3
I know nothing
99
Don't know
Sysmiss
Specify on scale the approx family income last mth (1-18)
Specify on scale the approx family income last mth (1-18)
Specify on scale the approx family income last mth (1-18)
Specify on scale the approx family income last mth (1-18)
Specify on scale the approx family income last mth (1-18)
Could you specify on an offered scale what approximately the income of your family was last month?
< ONE CHOICE>
1366
1600
1
Less than 2000 rubles
2
From 2001 to 4,000 rubles
3
From 4,001 to 6,000 rubles
4
From 6,001 to 8,000 rubles
5
From 8,000 to 10,000 rubles
6
From 10,001 to 15,000 rubles
7
From 15,001 to 20,000 rubles
8
From 20,001 to 25,000 rubles
9
From 25,001 to 30,000 rubles
10
From 30,001 to 40,000 rubles
11
From 40,001 to 50,000 rubles
12
From 50,001 to 60,000 rubles
13
From 60,001 to 70,000 rubles
14
From 70,001 to 80,000 rubles
15
From 80,001 to 90,000 rubles
16
From 90,001 to 100,000 rubles
17
From 100,001 to 120,000 rubles
18
Over 120,000 rubles
99
Don't know
Sysmiss