DDI_BIH_2011_FLFS_v01_M_WB World Bank 2012-04-29 NADA Financial Literacy and Financial Services Survey 2011 FLFS 2011 BIH_2011_FLFS_v01_M IPSOS

Dragan Bagic

 NADA World Bank Other Household Health Survey [hh/hea] The survey on financial literacy among the citizens of Bosnia and Herzegovina was conducted within a larger project that aims at creating the Action Plan for Consumer Protection in Financial Services. The conclusion about the need for an Action Plan was reached by the representatives of the World Bank, the Federal Ministry of Finance, the Central Bank of Bosnia and Herzegovina, supervisory authorities for entity financial institutions and non-governmental organizations for the protection of consumer rights, based on the Diagnostic Review on Consumer Protection and Financial Literacy in Bosnia and Herzegovina conducted by the World Bank in 2009-2010. This diagnostic review was conducted at the request of the Federal Ministry of Finance, as part of a larger World Bank pilot program to assess consumer protection and financial literacy in developing countries and middle-income countries. The diagnostic review in Bosnia and Herzegovina was the eighth within this project. The financial literacy survey, whose results are presented in this report, aims at establishing the basic situation with respect to financial literacy, serving on the one hand as a preparation for the educational activities plan, and on the other as a basis for measuring the efficiency of activities undertaken. Bosnia and Herzegovina Data collection was based on a random, nation-wide sample of citizens of Bosnia and Herzegovina aged 18 or older (N = 1036). Household, individual Population aged 18 or older Sample survey data [ssd] The first section of the study deals with financial literacy and its various aspects. Based on these data, the Financial Literacy Index was derived (a single-dimension composite scale of financial knowledge and capability). Next sections deal with managing everyday financial choices (saving, covering shortages etc.) in the context of general household financial situation. . SUMMARY In Bosnia and Herzegovina, as is well known, there is no completely reliable sample frame or information about universe. The main reasons for such a situation are migrations caused by war and lack of recent census data. The last census dates back to 1991, but since then the size and distribution of population has significantly changed. In such a situation, researchers have to combine all available sources of population data to estimate the present size and structure of the population: estimates by official statistical offices and international organizations, voters? lists, list of polling stations, registries of passport and ID holders, data from large random surveys etc. The sample was three-stage stratified: in the first stage by entity, in the second by county/region and in the third by type of settlement (urban/rural). This means that, in the first stage, the total sample size was divided in two parts proportionally to number of inhabitants by entity, while in the second stage the subsample size for each entity was further divided by regions/counties. In the third stage, the subsample for each region/county was divided in two categories according to settlement type (rural/urban). Taking into the account the lack of a reliable and complete list of citizens to be used as a sample frame, a multistage sampling method was applied. The list of polling stations was used as a frame for the selection of primary sampling units (PSU). Polling station territories are a good choice for such a procedure since they have been recently updated, for the general elections held in October 2010. The list of polling station territories contains a list of addresses of housing units that are certainly occupied. In the second stage, households were used as a secondary sampling unit. Households were selected randomly by a random route technique. In total, 104 PSU were selected with an average of 10 respondents per PSU. The respondent from the selected household was selected randomly using the Trohdal-Bryant scheme. In total, 1036 citizens were interviewed with a satisfactory response rate of around 60% (table 1). A higher refusal rate is recorded among middle-age groups (table 2). The theoretical margin of error for a random sample of this size is +/-3.0%. Due to refusals, the sample structure deviated from the estimated population structure by gender, age and education level. Deviations were corrected by RIM weighting procedure. MORE DETAILED INFORMATION IPSOS designed a representative sample of approximately 1.000 residents age 18 and over, proportional to the adult populations of each region, based on age, sex, region and town (settlement) type. For this research we designed three-stage stratified representative sample. First we stratify sample at entity level, regional level and then at settlement type level for each region. Sample universe: Population of B&H -18+; 1991 Census figures and estimated population dynamics, census figures of refugees and IDPs, 1996. Central Election Commision - 2008; CIPS - 2008; Sampling frame: Polling stations territory (approximate size of census units) within strata defined by regions and type of settlements (urban and rural) Polling stations territories are chosen to be used as primary units because it enables the most reliable sample selection, due to the fact that for these units the most complete data are available (dwelling register - addresses) Type of sample: Three stage random representative stratified sample Definition and number of PSU, SSU, TSU, and sampling points - PSU - Polling station territory Definition: Polling stations territories are defined by street(s) name(s) and dwelling numbers; each polling station territory comprises approximately 300 households, with exception of the settlements with less than 300 HH which are defined as one unite. Number of PSUs in sample universe: 4710 - SSU - Household Definition: One household comprises people living in the same apartment and sharing the expenditure for food - TSU - Respondent Definition: Member of the HH , 18+ Number of TSUs in sample universe: = 2.966.766 - Sampling points Approximately 10 respondents per one PSU, total 104 Stratification, purpose and method - First level strata: Federation of B&H Republika Srpska Brc ko District - Second level strata: 10 cantons 2 regions - - Third level strata: urban and rural settlements - Purpose: Optimisation of the sample plan, and reducing the sampling error - Method: The strata are defined by criteria of optimal geographical and cultural uniformity - Selection procedure of PSU, SSU, and respondent Stratification, purpose and method * PSU Type of sampling of the PSU: Polling station territory chosen with probability proportional to size (PPS) Method of selection: Cumulative (Lachirie method) * SSU Type of sampling of the SSU: Sample random sampling without replacement Method of selection: Random walk - Random choice of the starting point * TSU - Respondent Type of sampling of respondent: Sample random sampling without replacement Method of selection: TCB (Trohdal-Bryant scheme) - Sample size N=1036 respondents - Sampling error Marginal error +/-3.0% Face-to-face [f2f] The survey was modelled after the identical survey conducted in Romania. The questionnaire used in the Financial Literacy Survey in Romania was localized for Bosnia and Herzegovina, including adaptations to match the Bosnian context and methodological improvements in wording of questions. Data for this survey were collected by means of in-home face-to-face interviews, using a highly structured questionnaire. Data collection was conducted by the Ipsos agency. All interviewers participating in data collection were specifically trained for this project, including detailed rules for the selection of respondents, rules for asking respondents questions and rules for data collection itself. Seven local coordinators (Sarajevo, Tuzla, Zenica, Mostar, Bihac, Banja Luka, and Bijeljina) conducted verbal instructions in their respective areas, based on written instructions prepared by Ipsos researchers with the help of consultants working on this project. Interviewers engaged in particular regions were selected depending on their ethnic and local language background in order to decrease refusal rates and to avoid negative "halo effect". Data collection was performed from 4th May to 15th May 2011. IPSOS filed work is organized in following way: We have 7 local coordinators in B&H, in 7 centers of major regions: Sarajevo, Tuzla, Zenica, Mostar, Bihac, Banja Luka, Bijeljina. Each of them controls a number of trained interviewers, on a daily basis. In our Sarajevo office we have central fieldwork manger that is responsible for central coordination of project in B&H. Each local coordinator organizes trainings for their interviewers. Interviewers are obligated to send completed interviews to their local coordinator every day. Interviewers engaged in particular regions were selected depending on their ethnic and local language background in order to decrease response rates and to avoid "halo effect". Both coordinators and interviewers received training in details on project subject, target group(s), techniques in selecting households and respondents, rules for back-checks, recording response rates Scheduling and assignment of interviews * Interviewer had to find the starting point according the instructions (street and number of the dwelling/ building). From the starting point, interviewer went into the instructed direction in order to identify the first dwelling (e.g. goes in direction of increasing numbers of dwellings and on the right side of the street, and enters into the third dwelling from the starting point ). When enters in the dwelling, he/she follows the procedure of choosing the apartment (only one apartment in the building can be visited in a family house, but several in high-rise buildings); the interviewer is instructed in which floor to go, and how to choose the apartment, etc.) * After choosing the apartment, interviewer use TCB tables for the choice of the respondent * Non response situations a) No one at home: interviewer comes back at least 1 time in another time of day, if without success. b) Refused by the person who open the door: interviewer is not coming back, and notes it with all details (sex, age of the assumed respondent, reasons for the interview not being realized) in the interviewer's diary (contact form) c) The respondent not available: same as under (a) d) Selected respondent refuses the interview: respondent is not replaced by another person from the same HH, interviewer notes it with all details (sex, age of the assumed respondent, reasons for the interview not being realized) in the interviewer's diary (contact form) Interviewers are taking notes in Interviewers diary (contact form). Interviewers are instructed to schedule the interviews in the afternoon-after working hour, except on weekends. All interviewers attend the training and are provided with written instructions of respondent selection and questionnaire specific questions. Every interview conducted is recorded in the Interviewers' Diary which contains the following survey management information: - A unique identification number for each respondents, - Sampling point of the interview, date of interview, - Time of the start and end of the interview, - Municipality where interview was realized, region, settlement - Interviewer code (a unique number assigned to each individual interviewer) - Number of visits required to complete interview - Non-response (full description of the non-response occasion) Quality control in the field Interviewers were monitored in several ways. First, regional coordinators checked 5% of each interviewers work in the field. Second, 20-25% of interviewers' work was checked by phone from our central office. Fieldwork control verifies the following aspects of interviewers' work: - Fact that the interview has actually taken place; - Proper application of the sampling plan in selecting the respondents; - Approximate duration of the interview; - Proper administration of the various sections of the questionnaire, and - Interviewers' general adherence to professional standards. Following data collection, 100% logic and consistency controls are performed, both by local supervisors and staff in local office. Finally, IPSOS, as associated member of ESOMAR, the most prominent organization for marketing and public opinion research, conservatively respects the rules and principles established in ICC/ESOMAR international rules for marketing research Before data entry, 100% logic and consistency controls are performed first by local supervisors and once later by staff in central office. Verification of correct data entry is assured by using BLAISE system for data entry (commercial product of Netherlands statistics), where criteria for logical and consistency control are defined in advance. - Nobody at home: 2,8% - Eligible person is not home: 2,8% - Refusal : 32,79% - Given up after a minimum of two visits: 0,82% - Other (excluded after control): 0,29% - Finished: 60,5% Use of the dataset must be acknowledged using a citation which would include: - the Identification of the Primary Investigator - the title of the survey (including country, acronym and year of implementation) - the survey reference number - the source and date of download The user of the data acknowledges that the original collector of the data, the authorized distributor of the data, and the relevant funding agency bear no responsibility for use of the data or for interpretations or inferences based upon such uses. World_Bank_BIH_FinLit_Survey 1. Variables P4 (Interviewer's name and surname) and P5 (Coordinator's name and surname) have been replaced by digits due to privacy protection reasons 2. Responses for Tables A to D have not been tracked in the dataset 3. For multiple choice questions, each selection made by the individual is saved as a unique variable. For instance, question P11 allowed for multiple choices and if a person selected 3 of the given options, each of his choice will be a saved as P11_1, P11_2 and P11_3 respectively. For the same question, if another person selected only two items, his choices will be saved under P11_1 and P11_2 while the third variable P11_3 will indicate a missing value (.). If the respondent answered the multiple response question with "Don't know", then only the first variable P11_1 will be accordingly coded (99). All the other multiple responses variables will be coded as a missing value (.) for this respondent. 4. The highest number of household members is 7. All variables (Age, Sex, Education, Financial products) which were supposed to capture information about household members 8-12 are therefore dropped from the dataset. 5. Variables which should capture information about the nationality of all household members (Nat_01-Nat_07) were not collected. Though, the variable Nat indicates the main respondent's ethnicity. 1036 341 Household ID Household ID Household ID Household ID Household ID 1036 1 1036 518.5 299.212 RIM_W. RIM Weights RIM_W. RIM Weights RIM_W. RIM Weights RIM_W. RIM Weights RIM_W. RIM Weights 1036 0.312 3.118 1 0.775 Exact time of the survey start: hour, minute Exact time of the survey start: hour, minute Exact time of the survey start: hour, minute Exact time of the survey start: hour, minute Exact time of the survey start: hour, minute EXACT TIME OF THE SURVEY START: HOUR, MINUTE 1036 08:30:00 09:02:00 09:04:00 09:05:00 09:07:00 09:15:00 09:30:00 09:35:00 09:40:00 09:45:00 09:46:00 09:50:00 09:55:00 09:57:00 10:00:00 10:02:00 10:05:00 10:06:00 10:10:00 10:15:00 10:18:00 10:20:00 10:25:00 10:30:00 10:35:00 10:37:00 10:38:00 10:40:00 10:45:00 10:48:00 10:49:00 10:50:00 10:53:00 10:55:00 10:57:00 10:58:00 11:00:00 11:01:00 11:05:00 11:06:00 11:08:00 11:09:00 11:10:00 11:11:00 11:15:00 11:16:00 11:20:00 11:21:00 11:22:00 11:25:00 11:26:00 11:28:00 11:30:00 11:33:00 11:34:00 11:35:00 11:38:00 11:39:00 11:40:00 11:43:00 11:44:00 11:45:00 11:49:00 11:50:00 11:52:00 11:54:00 11:55:00 11:57:00 11:58:00 12:00:00 12:03:00 12:04:00 12:05:00 12:06:00 12:07:00 12:10:00 12:13:00 12:14:00 12:15:00 12:17:00 12:20:00 12:23:00 12:25:00 12:27:00 12:28:00 12:30:00 12:31:00 12:32:00 12:34:00 12:35:00 12:37:00 12:40:00 12:41:00 12:42:00 12:43:00 12:44:00 12:45:00 12:48:00 12:49:00 12:50:00 12:51:00 12:52:00 12:54:00 12:55:00 13:00:00 13:03:00 13:04:00 13:05:00 13:06:00 13:07:00 13:08:00 13:10:00 13:12:00 13:15:00 13:17:00 13:19:00 13:20:00 13:22:00 13:24:00 13:25:00 13:26:00 13:28:00 13:29:00 13:30:00 13:33:00 13:34:00 13:35:00 13:37:00 13:38:00 13:40:00 13:44:00 13:45:00 13:46:00 13:48:00 13:49:00 13:50:00 13:55:00 13:57:00 13:58:00 13:59:00 14:00:00 14:02:00 14:03:00 14:05:00 14:06:00 14:08:00 14:09:00 14:10:00 14:11:00 14:12:00 14:13:00 14:15:00 14:16:00 14:17:00 14:20:00 14:21:00 14:25:00 14:27:00 14:30:00 14:33:00 14:34:00 14:35:00 14:37:00 14:38:00 14:39:00 14:40:00 14:41:00 14:43:00 14:45:00 14:46:00 14:50:00 14:51:00 14:54:00 14:55:00 14:56:00 15:00:00 15:02:00 15:05:00 15:07:00 15:08:00 15:10:00 15:11:00 15:12:00 15:15:00 15:17:00 15:19:00 15:20:00 15:22:00 15:23:00 15:24:00 15:25:00 15:26:00 15:30:00 15:33:00 15:34:00 15:35:00 15:40:00 15:41:00 15:43:00 15:44:00 15:45:00 15:48:00 15:50:00 15:53:00 15:55:00 15:56:00 15:57:00 16:00:00 16:02:00 16:03:00 16:05:00 16:06:00 16:09:00 16:10:00 16:11:00 16:15:00 16:16:00 16:17:00 16:20:00 16:25:00 16:26:00 16:27:00 16:30:00 16:31:00 16:32:00 16:33:00 16:35:00 16:37:00 16:40:00 16:45:00 16:46:00 16:48:00 16:50:00 16:52:00 16:54:00 16:55:00 16:58:00 17:00:00 17:01:00 17:03:00 17:05:00 17:10:00 17:15:00 17:16:00 17:18:00 17:20:00 17:21:00 17:25:00 17:30:00 17:32:00 17:34:00 17:35:00 17:37:00 17:39:00 17:40:00 17:41:00 17:44:00 17:45:00 17:48:00 17:50:00 17:53:00 17:55:00 17:58:00 18:00:00 18:03:00 18:04:00 18:05:00 18:06:00 18:10:00 18:12:00 18:15:00 18:20:00 18:24:00 18:25:00 18:27:00 18:30:00 18:32:00 18:36:00 18:40:00 18:41:00 18:42:00 18:44:00 18:45:00 18:50:00 18:55:00 19:00:00 19:02:00 19:03:00 19:04:00 19:05:00 19:10:00 19:15:00 19:20:00 19:25:00 19:27:00 19:30:00 19:35:00 19:37:00 19:43:00 19:45:00 19:50:00 19:55:00 20:00:00 20:05:00 20:15:00 20:20:00 20:30:00 20:35:00 20:44:00 20:45:00 21:03:00 21:05:00 21:20:00 21:43:00 21:45:00 Ordinal number of the survey Ordinal number of the survey Ordinal number of the survey Ordinal number of the survey Ordinal number of the survey ORDINAL NUMBER OF THE SURVEY 1036 1 2 3 4 5 6 7 8 9 10 Date of the survey Date of the survey Date of the survey Date of the survey Date of the survey DATE OF SURVEY 1036 05052011 06052011 07052011 08052011 09052011 10052011 11052011 12052011 Interviewer's ID Interviewer's ID Interviewer's ID Interviewer's ID Interviewer's ID INTERVIEWER'S NAME AND SURNAME 1036 1 505 32.503 24.178 Coordinators's ID Coordinators's ID Coordinators's ID Coordinators's ID Coordinators's ID COORDINATOR'S NAME AND SURNAME 1036 1 2 3 4 5 6 Neighbourhood Neighbourhood Neighbourhood Neighbourhood Neighbourhood NEIGHBOURHOOD 1036 1.MAJ ARNAUTOVICI BARE 2 BATKOVICI BIJAKOVICI BJELAVE 2 BOŽINCI BRIJESNICA MALA BRIJEŠCE 3 BRODUŠA BUCICI CEKRLIJE CELOPEK CENTAR 2 CENTAR 35 CERANI CIGLANE 2A CIRKIN POLJE 2 DEVETAK DOBOROVCI 2 DOBRINJA C/7 DOBROPOLJE DOLACA 1 DOM ŽELJEZNICARA DONJA SANICA DONJI BULETIC DRAGOCAJ GORNJA VIŠCA -1 GORNJE VIŠNJEVICE GRAD LIJEVA OBALA 3 HRASNICA 2A HRASTOVAC ILOVACA KALINSKA 2 KISELJAK 1 KLOBUK KOLOBARA - DIO 1 KOVILJUŠE NOVO NASELJE KRALJE KULJANI KUMARICA LAZAREVO - 4 LIJEVCA LJEŠEVO LOPARE 2 LUŽANI MAGLAJ 2 MEMICI MEZGRAJA KOSE MEÐAŠI MIONICA - KAMBERI MRAVINJAC MUJKICI - DIO 1 MZ LIJEVA OBALA Š. BRIJEG 6 NIŠTAVCI O.Š. VUK KARADŽIC 1 O.Š.ORGUZ OBILICEVO - 11 OLIMPIJSKO SELO 1 ORAŠAC ORLAC OŠ "NIKOLA TESLA OŠ GORNJA DUBICA 2 OŠ POTOCANI 2 OŠ VUK KARADŽIC PAÐINE PECIGRAD OSNOVNA ŠKOLA PECKA PERIN HAN 1 PODHUM 2 PODMILACJE POFALICI 1-5 POLJE POTUR MAHALA A I B PRIJEÐEL RADIO ROMANIJA RAINCI DONJI REKAVICE - 1 RUDNIK SJETLINA KUCA VUKOVIC VELJKE SLATINA 1 SLAVINOVICI 3 SNJEGOTINA DONJA SREDNJA ŠKOLA SREDNJOŠKOLSKI CENTAR 1 STARCEVICA - 7 STARO RADAKOVO 1 STIJENA OSNOVNA ŠKOLA STUPSKO BRDO 1 TINJA TRG HEROJA 7 TUŠCICA UGLJEVIK SJEVER VAREŠ 5 VLATKOVICI VOGOŠCA 9 VOZUCA 1 VRATNIK4 ZABLECE ŠI SELO 6 ŠVRAKINO SELO III/3 ŽABLJAK ŽIVINICE GRAD - 5 Starting point code Starting point code Starting point code Starting point code Starting point code STARTING POINT ADDRESS 1036 1 MAJ ARNAUTOVICI BB AUTOBUSKA STANICA BARDAKCIJE 1 BARE BATKOVICI BB BIJAKOVICI BB BIJAKOVII BB BIJAKOVII BBB BIJATOVICI BB BOZINCI BB BRACE POTKONJAKA 14 BRACE TURUDZIJE BRACE TURURDZIJE BRACE TURUZDIJE BRDAKCIJE 1 BRIJESNICA BB BRODUSA BUCICI BB CEKRLIJE BB CELOPEK BB CERANI BB CERSKA DJACKA BB DOACA BB DOBOROVCI BB DOLACA BB DOLCA BB DOM ZELJEZNICARA DONJA SANICA BB DONJA SANICA BB DONJI BULETIC BB DRAGOCAJ BB DUSANA RADOVICA 1 EMIA ZOLE 1 EMILA ZOLE 1 FA LUCIJANA KODRIA FRA LUCIJANA KODRIA FRA LUCIJANA KODRII FRA LUCIJANA KORDICI FRA LUCIJANA KORDIA GOJKA SUSKA BB GORNJA VISCA GORNJA VISCA BB GORNJE VISNJEVICE GORNJE VISNJIVICE ILIJE GARASANINA 3 ILOVACA BB IZETA KARICICA BB IZETA KARISICA BB KALINSKA BB KISELJAK BB KLOBUK BB, PRODAVNICA ANITA KOLO BARA KOLOBARA KONOBA SAN KONOBE SAN KRALJE BB KSC KULJANI KULJANI BB KUMARICA LIJEVA OBALA LJESEVO LJEVARSKA LOPARE 2 LOPARE2 LUZANI BB M. ECIMOVICA M.ECIMOVICA M.EDIMOVICA MAGISTRALNI PUT BB MAGLAJ 2 MARKA ECIMOVICA MEMICI BB MEZGAJA KOSE BB. MEZGRAJA BB. MEZGRAJA KOSE MEZGRAJA KOSE BB MEZGRAJA KOSE BB. MEÑAæI BB MIONICA BB MOST ZABLJAK MRAVINJAC MUJKIC MUJKICI NIKOLA PASICA NIKOLE PASICA NISTAVCI BB O.S. GORNJA DUBICA ODABASINA ODOBASINA OLIMPIJSKA 1 ORAC ORASAC BB ORGUZ BB ORLA ORLAC OSOJE BB PADJINE PECIGRAD BB PECKA PECKA BB PERIN HAN 1 POCINA 1 PODJINE POLJA BB POLJE BB PORCINA 1 POTOCANI BB POTUR MAHALA POVEZICE BB POVEZIVE BB PRIJEDJEL BB PRINCEVA DZAMIJA R. BOSKOVICA RACANSKA BB RAINCI BB RALUCIJANA KORDIA REKAVICE BB REVOLUCIJANA KODRIA RUDJERA BOSKOVICA RUDNIK BB RUDNIKBB S. HAD¦IA SAFETA HAD¦IA SEHITLUCI SEHITLUCI BB SJETLICA BB SJETLINA BB SLATINA BB SLAVINOVICI SNJEGOTINA DONJA BB STARO RADAKOVO SVETOG SAVE 2 SVETOG SAVE BB SVJETLINA BB TINJA BB TNJA BB TRG HEROJA 1 TUSCICA TVORNCKA 4A TVORNICKA 4A TVORNI¬KA 4 A UL.CILILA I METODIJA BB UL.CIRILA I METODIJA BB VLATKOVICI BB VLATKOVICI BB. VOGOSCA VOZUA BB VOZUA BBB Z.D.R Z.D.R. ZABLECE BB ZASTINJE BB ZLJEVICE BB ZRTAVA DOMOVINSKOG RATA djacka bb starting point code starting point code starting point code starting point code starting point code STARTING POINT CODE 1036 1 104 52.513 30.038 Type of settlement Type of settlement Type of settlement Type of settlement Type of settlement TYPE OF SETTLEMENT 1036 1 village 2 city Settlement size Settlement size Settlement size Settlement size Settlement size SETTLEMENT SIZE 1036 1 up to 2000 inhabitants 2 2 001 – 10 000 inhabitants 3 10 001 – 100 000 inhabitants 4 100 001 and more inhabitants Region Region Region Region Region REGION 1036 1 Una-Sana Canton 2 Zenica-Doboj Canton 3 Tuzla Canton 4 Central Bosnia Canton 5 Herzegovina-Neretva Canton 6 West Herzegovina Canton 7 Canton Sarajevo 8 Canton 10 9 North RS 10 East RS 11 Posavina Canton 12 Bosnia Podrinje Canton 13 District Brcko Entity Entity Entity Entity Entity 1036 1 FBiH 2 RS & District Brcko O1. Note down the number of people that you contacted from the last conducted int O1. Note down the number of people that you contacted from the last conducted int O1. Note down the number of people that you contacted from the last conducted int O1. Note down the number of people that you contacted from the last conducted int O1. Note down the number of people that you contacted from the last conducted int Note down the number of people that you contacted from the last conducted interview until this one and who have refused to take part in the survey? 1036 1 2 3 4 5 9 10 O2_1x1. Too busy, has no time, has other obligations (No. of people) O2_1x1. Too busy, has no time, has other obligations (No. of people) O2_1x1. Too busy, has no time, has other obligations (No. of people) O2_1x1. Too busy, has no time, has other obligations (No. of people) O2_1x1. Too busy, has no time, has other obligations (No. of people) Reasons of refusal (No. of persons): Too busy, has no time, has other obligations 338 698 1 2 3 4 5 Sysmiss O2_1x2. Poor health condition (No. of people) O2_1x2. Poor health condition (No. of people) O2_1x2. Poor health condition (No. of people) O2_1x2. Poor health condition (No. of people) O2_1x2. Poor health condition (No. of people) Reasons of refusal (No. of persons): Poor health condition 338 698 1 2 4 Sysmiss O2_1x3. Not competent, doesn't know, doesn't want to talk (No. of people) O2_1x3. Not competent, doesn't know, doesn't want to talk (No. of people) O2_1x3. Not competent, doesn't know, doesn't want to talk (No. of people) O2_1x3. Not competent, doesn't know, doesn't want to talk (No. of people) O2_1x3. Not competent, doesn't know, doesn't want to talk (No. of people) Reasons of refusal (No. of persons): Not competent, does not know anything, does not want to talk about the topic 338 698 98 0.553 5.342 O2_1x4. Expresses fear, doesn't want to intrude on his privacy (No. of people) O2_1x4. Expresses fear, doesn't want to intrude on his privacy (No. of people) O2_1x4. Expresses fear, doesn't want to intrude on his privacy (No. of people) O2_1x4. Expresses fear, doesn't want to intrude on his privacy (No. of people) O2_1x4. Expresses fear, doesn't want to intrude on his privacy (No. of people) Reasons of refusal (No. of persons): Expresses fear, does not want to intrude on his privacy 338 698 1 2 3 Sysmiss O2_1x5. Has already been surveyed, does not trust surveys…etc (No. of people) O2_1x5. Has already been surveyed, does not trust surveys…etc (No. of people) O2_1x5. Has already been surveyed, does not trust surveys…etc (No. of people) O2_1x5. Has already been surveyed, does not trust surveys…etc (No. of people) O2_1x5. Has already been surveyed, does not trust surveys…etc (No. of people) Reasons of refusal (No. of persons): Has already been surveyed, does not trust surveys…etc 338 698 98 0.349 5.333 O2_1x6. Other (No. of people) O2_1x6. Other (No. of people) O2_1x6. Other (No. of people) O2_1x6. Other (No. of people) O2_1x6. Other (No. of people) Reasons of refusal (No. of persons): Other 338 698 98 0.296 5.331 O2x2. Gender of the person who has refused: Male (No. of people) O2x2. Gender of the person who has refused: Male (No. of people) O2x2. Gender of the person who has refused: Male (No. of people) O2x2. Gender of the person who has refused: Male (No. of people) O2x2. Gender of the person who has refused: Male (No. of people) Gender of the person who has refused (No. of persons): male 338 698 1 2 3 4 Sysmiss O2x2. Gender of the person who has refused: Female (No. of people) O2x2. Gender of the person who has refused: Female (No. of people) O2x2. Gender of the person who has refused: Female (No. of people) O2x2. Gender of the person who has refused: Female (No. of people) O2x2. Gender of the person who has refused: Female (No. of people) Gender of the person who has refused (No. of persons): female 338 698 1 2 3 4 5 7 Sysmiss O2x3. Age of the person who has refused: Up to 30 years (No. of people) O2x3. Age of the person who has refused: Up to 30 years (No. of people) O2x3. Age of the person who has refused: Up to 30 years (No. of people) O2x3. Age of the person who has refused: Up to 30 years (No. of people) O2x3. Age of the person who has refused: Up to 30 years (No. of people) Age of the person who has refused (No. of persons): Up to 30 years 338 698 1 2 4 Sysmiss O2x3. Age of the person who has refused: 31 - 50 years (No. of people) O2x3. Age of the person who has refused: 31 - 50 years (No. of people) O2x3. Age of the person who has refused: 31 - 50 years (No. of people) O2x3. Age of the person who has refused: 31 - 50 years (No. of people) O2x3. Age of the person who has refused: 31 - 50 years (No. of people) Age of the person who has refused (No. of persons): 31 - 50 years 338 698 1 2 3 4 Sysmiss O2x3. Age of the person who has refused: 50 years or more (No. of people) O2x3. Age of the person who has refused: 50 years or more (No. of people) O2x3. Age of the person who has refused: 50 years or more (No. of people) O2x3. Age of the person who has refused: 50 years or more (No. of people) O2x3. Age of the person who has refused: 50 years or more (No. of people) Age of the person who has refused (No. of persons): 51 y. or more 338 698 1 2 3 4 Sysmiss O3. In between the last interview and this one, how many addresses have you been O3. In between the last interview and this one, how many addresses have you been O3. In between the last interview and this one, how many addresses have you been O3. In between the last interview and this one, how many addresses have you been O3. In between the last interview and this one, how many addresses have you been In between the last interview and this one, how many addresses have you been to AT LEAST two or more times but you have never found anybody at home and have decided to give up on attempting to contact them ? 1036 1 2 3 6 9 13 P1. In general, how satisfied are you with your life nowadays? P1. In general, how satisfied are you with your life nowadays? P1. In general, how satisfied are you with your life nowadays? P1. In general, how satisfied are you with your life nowadays? P1. In general, how satisfied are you with your life nowadays? In general, how satisfied are you with your life nowadays? 1036 1 Very dissatisfied 2 Rather dissatisfied 3 Rather satisfied 4 Very satisfied 9 Don’t know P2. How do you think your life is going to be over the next 12 months? P2. How do you think your life is going to be over the next 12 months? P2. How do you think your life is going to be over the next 12 months? P2. How do you think your life is going to be over the next 12 months? P2. How do you think your life is going to be over the next 12 months? How do you think your life is going to be over the next 12 months? 1036 1 Much worse 2 Worse 3 The same 4 Better 5 Much better 9 Don’t know P3a. How often do you...Read the newspapers sold in the whole entity/state P3a. How often do you...Read the newspapers sold in the whole entity/state P3a. How often do you...Read the newspapers sold in the whole entity/state P3a. How often do you...Read the newspapers sold in the whole entity/state P3a. How often do you...Read the newspapers sold in the whole entity/state How often do you… (for print media): Read the newspapers sold on the territory of the whole entity or the state? 1036 Never 1 Once a month or less 2 Several times a month 3 Several times a week 4 Daily P3b. How often do you...Read the local/regional or cantonal newspapers P3b. How often do you...Read the local/regional or cantonal newspapers P3b. How often do you...Read the local/regional or cantonal newspapers P3b. How often do you...Read the local/regional or cantonal newspapers P3b. How often do you...Read the local/regional or cantonal newspapers How often do you… (for print media): Read the local/regional or cantonal newspapers? 1036 Never 1 Once a month or less 2 Several times a month 3 Several times a week 4 Daily P3c. How often do you...Listen to radio stations broadcasted on whole entity/sta P3c. How often do you...Listen to radio stations broadcasted on whole entity/sta P3c. How often do you...Listen to radio stations broadcasted on whole entity/sta P3c. How often do you...Listen to radio stations broadcasted on whole entity/sta P3c. How often do you...Listen to radio stations broadcasted on whole entity/sta How often do you… (for electronic media): Listen to radio stations broadcasted on the territory of the whole entity or the state? 1036 Never 1 Once or week or less often 2 Several hours a week 3 1 to 2 hours per day 4 3 or more hours per day P3d. How often do you...Listen to local or regional/cantonal radio stations P3d. How often do you...Listen to local or regional/cantonal radio stations P3d. How often do you...Listen to local or regional/cantonal radio stations P3d. How often do you...Listen to local or regional/cantonal radio stations P3d. How often do you...Listen to local or regional/cantonal radio stations How often do you… (for electronic media): Listen to local or regional/cantonal radio stations? 1036 Never 1 Once or week or less often 2 Several hours a week 3 1 to 2 hours per day 4 3 or more hours per day P3e. How often do you...Watch entity TV programs or the state public service P3e. How often do you...Watch entity TV programs or the state public service P3e. How often do you...Watch entity TV programs or the state public service P3e. How often do you...Watch entity TV programs or the state public service P3e. How often do you...Watch entity TV programs or the state public service How often do you… (for electronic media): Watch the entity TV programs or the state public service? 1036 Never 1 Once or week or less often 2 Several hours a week 3 1 to 2 hours per day 4 3 or more hours per day P3f. Watch the local/regional or cantonal TV programs P3f. Watch the local/regional or cantonal TV programs P3f. Watch the local/regional or cantonal TV programs P3f. Watch the local/regional or cantonal TV programs P3f. Watch the local/regional or cantonal TV programs How often do you… (for electronic media): Watch the local/regional or cantonal TV programs 1036 Never 1 Once or week or less often 2 Several hours a week 3 1 to 2 hours per day 4 3 or more hours per day P4a. Can you use a computer? P4a. Can you use a computer? P4a. Can you use a computer? P4a. Can you use a computer? P4a. Can you use a computer? Can you use a computer? 1036 1 Yes 2 No P4b. How often do you use the Internet including e-mail (electronic mail) P4b. How often do you use the Internet including e-mail (electronic mail) P4b. How often do you use the Internet including e-mail (electronic mail) P4b. How often do you use the Internet including e-mail (electronic mail) P4b. How often do you use the Internet including e-mail (electronic mail) How often do you use the Internet including e-mail (electronic mail)? 598 438 Never 1 Once a month or less 2 Several times a month 3 Several times a week 4 Daily Sysmiss P4c. How often do you read news at Internet portals P4c. How often do you read news at Internet portals P4c. How often do you read news at Internet portals P4c. How often do you read news at Internet portals P4c. How often do you read news at Internet portals How often do you read news at Internet portals ? 598 438 Never 1 Once a month or less 2 Several times a month 3 Several times a week 4 Daily Sysmiss P5a. How much do you trust…Central Bank of BiH P5a. How much do you trust…Central Bank of BiH P5a. How much do you trust…Central Bank of BiH P5a. How much do you trust…Central Bank of BiH P5a. How much do you trust…Central Bank of BiH How much do you trust the following institutions? Please let me know if you are not familiar with any of these institutions Central Bank of BiH 1036 1 Very little 2 Little 3 Average 4 Much 5 Very much 8 Never heard 9 Don’t know P5b. How much do you trust…BiH commercial banks P5b. How much do you trust…BiH commercial banks P5b. How much do you trust…BiH commercial banks P5b. How much do you trust…BiH commercial banks P5b. How much do you trust…BiH commercial banks How much do you trust the following institutions? Please let me know if you are not familiar with any of these institutions BiH commercial banks 1036 1 Very little 2 Little 3 Average 4 Much 5 Very much 8 Never heard 9 Don’t know P5c. How much do you trust…Insurance companies P5c. How much do you trust…Insurance companies P5c. How much do you trust…Insurance companies P5c. How much do you trust…Insurance companies P5c. How much do you trust…Insurance companies How much do you trust the following institutions? Please let me know if you are not familiar with any of these institutions Insurance companies 1036 1 Very little 2 Little 3 Average 4 Much 5 Very much 8 Never heard 9 Don’t know P5d. How much do you trust…Brokerage Houses P5d. How much do you trust…Brokerage Houses P5d. How much do you trust…Brokerage Houses P5d. How much do you trust…Brokerage Houses P5d. How much do you trust…Brokerage Houses How much do you trust the following institutions? Please let me know if you are not familiar with any of these institutions Brokerage houses 1036 1 Very little 2 Little 3 Average 4 Much 5 Very much 8 Never heard 9 Don’t know P5e. How much do you trust…Microcredit organizations P5e. How much do you trust…Microcredit organizations P5e. How much do you trust…Microcredit organizations P5e. How much do you trust…Microcredit organizations P5e. How much do you trust…Microcredit organizations How much do you trust the following institutions? Please let me know if you are not familiar with any of these institutions Microcredit organizations 1036 1 Very little 2 Little 3 Average 4 Much 5 Very much 8 Never heard 9 Don’t know P5f. How much do you trust…Leasing companies P5f. How much do you trust…Leasing companies P5f. How much do you trust…Leasing companies P5f. How much do you trust…Leasing companies P5f. How much do you trust…Leasing companies How much do you trust the following institutions? Please let me know if you are not familiar with any of these institutions Leasing companies 1036 1 Very little 2 Little 3 Average 4 Much 5 Very much 8 Never heard 9 Don’t know P5g. How much do you trust…Deposit Insurance Agency P5g. How much do you trust…Deposit Insurance Agency P5g. How much do you trust…Deposit Insurance Agency P5g. How much do you trust…Deposit Insurance Agency P5g. How much do you trust…Deposit Insurance Agency How much do you trust the following institutions? Please let me know if you are not familiar with any of these institutions Deposit Insurance Agency 1036 1 Very little 2 Little 3 Average 4 Much 5 Very much 8 Never heard 9 Don’t know P5h. How much do you trust…Banking Agency of FBiH/RS P5h. How much do you trust…Banking Agency of FBiH/RS P5h. How much do you trust…Banking Agency of FBiH/RS P5h. How much do you trust…Banking Agency of FBiH/RS P5h. How much do you trust…Banking Agency of FBiH/RS How much do you trust the following institutions? Please let me know if you are not familiar with any of these institutions Banking Agency of FBiH/RS 1036 1 Very little 2 Little 3 Average 4 Much 5 Very much 8 Never heard 9 Don’t know P5i. How much do you trust…Securities Commission of FBiH/RS P5i. How much do you trust…Securities Commission of FBiH/RS P5i. How much do you trust…Securities Commission of FBiH/RS P5i. How much do you trust…Securities Commission of FBiH/RS P5i. How much do you trust…Securities Commission of FBiH/RS How much do you trust the following institutions? Please let me know if you are not familiar with any of these institutions Securities Commission of FBiH/RS 1036 1 Very little 2 Little 3 Average 4 Much 5 Very much 8 Never heard 9 Don’t know P5j. How much do you trust…The Consumer Protection Ombudsman Institution in BiH P5j. How much do you trust…The Consumer Protection Ombudsman Institution in BiH P5j. How much do you trust…The Consumer Protection Ombudsman Institution in BiH P5j. How much do you trust…The Consumer Protection Ombudsman Institution in BiH P5j. How much do you trust…The Consumer Protection Ombudsman Institution in BiH How much do you trust the following institutions? Please let me know if you are not familiar with any of these institutions The Consumer Protection Ombudsman Institution in BiH 1036 1 Very little 2 Little 3 Average 4 Much 5 Very much 8 Never heard 9 Don’t know P5k. How much do you trust…Convertible Mark, the national currency P5k. How much do you trust…Convertible Mark, the national currency P5k. How much do you trust…Convertible Mark, the national currency P5k. How much do you trust…Convertible Mark, the national currency P5k. How much do you trust…Convertible Mark, the national currency How much do you trust the following institutions? Please let me know if you are not familiar with any of these institutions Convertible Mark, the national currency 1036 1 Very little 2 Little 3 Average 4 Much 5 Very much 8 Never heard 9 Don’t know P5l. How much do you trust…Fund management companies P5l. How much do you trust…Fund management companies P5l. How much do you trust…Fund management companies P5l. How much do you trust…Fund management companies P5l. How much do you trust…Fund management companies How much do you trust the following institutions? Please let me know if you are not familiar with any of these institutions Fund management companies 1036 1 Very little 2 Little 3 Average 4 Much 5 Very much 8 Never heard 9 Don’t know P6a. Assess the quality of financial services offered by…Commercial banks P6a. Assess the quality of financial services offered by…Commercial banks P6a. Assess the quality of financial services offered by…Commercial banks P6a. Assess the quality of financial services offered by…Commercial banks P6a. Assess the quality of financial services offered by…Commercial banks Generally, how would you assess the quality of financial services offered by the following institutions in BiH - Commercial banks 1036 1 Very bad 2 Bad 3 Fair 4 Good 5 Very good 9 Don’t know P6b. Assess the quality of financial services offered by…Insurance companies P6b. Assess the quality of financial services offered by…Insurance companies P6b. Assess the quality of financial services offered by…Insurance companies P6b. Assess the quality of financial services offered by…Insurance companies P6b. Assess the quality of financial services offered by…Insurance companies Generally, how would you assess the quality of financial services offered by the following institutions in BiH - Insurance companies 1036 1 Very bad 2 Bad 3 Fair 4 Good 5 Very good 9 Don’t know P6c. Assess the quality of financial services offered by…Microcredit organizatio P6c. Assess the quality of financial services offered by…Microcredit organizatio P6c. Assess the quality of financial services offered by…Microcredit organizatio P6c. Assess the quality of financial services offered by…Microcredit organizatio P6c. Assess the quality of financial services offered by…Microcredit organizatio Generally, how would you assess the quality of financial services offered by the following institutions in BiH - Microcredit organizations 1036 1 Very bad 2 Bad 3 Fair 4 Good 5 Very good 9 Don’t know P6d. Assess the quality of financial services offered by…Brokerage Houses P6d. Assess the quality of financial services offered by…Brokerage Houses P6d. Assess the quality of financial services offered by…Brokerage Houses P6d. Assess the quality of financial services offered by…Brokerage Houses P6d. Assess the quality of financial services offered by…Brokerage Houses Generally, how would you assess the quality of financial services offered by the following institutions in BiH - Brokerage houses 1036 1 Very bad 2 Bad 3 Fair 4 Good 5 Very good 9 Don’t know P7a. In a conflict with a fin. org....How sure are you in a quick resolution P7a. In a conflict with a fin. org....How sure are you in a quick resolution P7a. In a conflict with a fin. org....How sure are you in a quick resolution P7a. In a conflict with a fin. org....How sure are you in a quick resolution P7a. In a conflict with a fin. org....How sure are you in a quick resolution If a conflict with a financial organization (bank, insurance company or the like) arises regarding the provision of financial services to you, how sure are you in the quick and just resolution of the dispute? How sure are you in a quick resolution 1036 1 I am not at all sure 2 I am not quite sure 3 Fifty-fifty 4 I am rather sure 5 I am completely sure 9 Don’t know P7b. In a conflict with a fin. org....How sure are you in a just resolution P7b. In a conflict with a fin. org....How sure are you in a just resolution P7b. In a conflict with a fin. org....How sure are you in a just resolution P7b. In a conflict with a fin. org....How sure are you in a just resolution P7b. In a conflict with a fin. org....How sure are you in a just resolution If a conflict with a financial organization (bank, insurance company or the like) arises regarding the provision of financial services to you, how sure are you in the quick and just resolution of the dispute? How sure are you in a just dispute resolution 1036 1 I am not at all sure 2 I am not quite sure 3 Fifty-fifty 4 I am rather sure 5 I am completely sure 9 Don’t know P8. What deserves primary attention when one chooses the bank to take a loan fro P8. What deserves primary attention when one chooses the bank to take a loan fro P8. What deserves primary attention when one chooses the bank to take a loan fro P8. What deserves primary attention when one chooses the bank to take a loan fro P8. What deserves primary attention when one chooses the bank to take a loan fro What do you think deserves primary attention when one chooses the bank to take a loan from? One answer only 1036 1 Bank’s reputation (fame) 2 Appearance of the bank office 3 The treatment of clients by the bank’s personnel 4 Loan interest rates and costs 5 Gifts and advertising campaigns 9 Don’t know P9. If you considered taking a loan from a bank, what would you prefer? P9. If you considered taking a loan from a bank, what would you prefer? P9. If you considered taking a loan from a bank, what would you prefer? P9. If you considered taking a loan from a bank, what would you prefer? P9. If you considered taking a loan from a bank, what would you prefer? If you considered taking a loan from a bank, what would you prefer? Do not read answer 3 1036 1 Loan in KM 2 A loan in a foreign currency 3 Loan in KM with currency clause 4 I wouldn't take any loan 9 Don't know P10. When taking a loan from a bank, what would you give more importance to...? P10. When taking a loan from a bank, what would you give more importance to...? P10. When taking a loan from a bank, what would you give more importance to...? P10. When taking a loan from a bank, what would you give more importance to...? P10. When taking a loan from a bank, what would you give more importance to...? When taking a loan from a bank, what would you give more importance to...? Do not read answer 4 1036 1 Fees charged by the bank 2 Loan interest rates 3 Means of securing /providing collateral for the loan 4 Loan repayment period 5 I wouldn’t take any loan 9 Don’t know P11. When do you think buying on credit is justified? P11. When do you think buying on credit is justified? P11. When do you think buying on credit is justified? P11. When do you think buying on credit is justified? P11. When do you think buying on credit is justified? When do you think buying on credit is justified? Here the credit refers to the use of a credit card, the use of a consumer credit or buying on credit (informally - „pe caiet") from a shop. Multiple answers possible.Read out. 1036 1 If a shop has sales for the goods you need 2 If a person needs to pay for education which would allow ... 3 If a person really needs a vacation but does not have ... 4 Other, namely 5 I wouldn’t buy on credit in any circumstance – Do not read 6 health problems 7 with large investments 8 buying an apartment 9 Don’t know 10 own business 11 buying immovable property 12 buying a car 13 Buying Firewood 14 Improve living conditions P11. When do you think buying on credit is justified? P11. When do you think buying on credit is justified? P11. When do you think buying on credit is justified? P11. When do you think buying on credit is justified? P11. When do you think buying on credit is justified? When do you think buying on credit is justified? Here the credit refers to the use of a credit card, the use of a consumer credit or buying on credit (informally - „pe caiet") from a shop. Multiple answers possible.Read out. 185 851 1 If a shop has sales for the goods you need 2 If a person needs to pay for education which would allow ... 3 If a person really needs a vacation but does not have ... 4 Other, namely 5 I wouldn’t buy on credit in any circumstance – Do not read 6 health problems 7 with large investments 8 buying an apartment 9 Don’t know 10 own business 11 buying immovable property 12 buying a car 13 Buying Firewood 14 Improve living conditions Sysmiss P11. When do you think buying on credit is justified? P11. When do you think buying on credit is justified? P11. When do you think buying on credit is justified? P11. When do you think buying on credit is justified? P11. When do you think buying on credit is justified? When do you think buying on credit is justified? Here the credit refers to the use of a credit card, the use of a consumer credit or buying on credit (informally - „pe caiet") from a shop. Multiple answers possible.Read out. 26 1010 1 If a shop has sales for the goods you need 2 If a person needs to pay for education which would allow ... 3 If a person really needs a vacation but does not have ... 4 Other, namely 5 I wouldn’t buy on credit in any circumstance – Do not read 6 health problems 7 with large investments 8 buying an apartment 9 Don’t know 10 own business 11 buying immovable property 12 buying a car 13 Buying Firewood 14 Improve living conditions Sysmiss P11. When do you think buying on credit is justified? P11. When do you think buying on credit is justified? P11. When do you think buying on credit is justified? P11. When do you think buying on credit is justified? P11. When do you think buying on credit is justified? When do you think buying on credit is justified? Here the credit refers to the use of a credit card, the use of a consumer credit or buying on credit (informally - „pe caiet") from a shop. Multiple answers possible.Read out. 2 1034 1 If a shop has sales for the goods you need 2 If a person needs to pay for education which would allow ... 3 If a person really needs a vacation but does not have ... 4 Other, namely 5 I wouldn’t buy on credit in any circumstance – Do not read 6 health problems 7 with large investments 8 buying an apartment 9 Don’t know 10 own business 11 buying immovable property 12 buying a car 13 Buying Firewood 14 Improve living conditions Sysmiss P12a. Do you follow...Changes in the property market P12a. Do you follow...Changes in the property market P12a. Do you follow...Changes in the property market P12a. Do you follow...Changes in the property market P12a. Do you follow...Changes in the property market Do you follow any of the following trends personally? Changes in the property market 1036 1 Yes 2 No P13a. What is the main source of information: P13a. What is the main source of information: P13a. What is the main source of information: P13a. What is the main source of information: P13a. What is the main source of information: If the answer is Yes in P12 What is the main source of information? Changes in the property market ONE ANSWER ONLY 176 860 1 Advertising 2 News in media 3 Specialized web sites 4 Bank officers, employees of insurance and management ... 5 Independent financial consultants or brokers 6 Friends and acquaintances Sysmiss P12b. Do you follow...Changes in market indices P12b. Do you follow...Changes in market indices P12b. Do you follow...Changes in market indices P12b. Do you follow...Changes in market indices P12b. Do you follow...Changes in market indices Do you follow any of the following trends personally? Changes in market indices 1036 1 Yes 2 No P13b. What is the main source of information: P13b. What is the main source of information: P13b. What is the main source of information: P13b. What is the main source of information: P13b. What is the main source of information: If the answer is Yes in P12 What is the main source of information? Changes in market indices ONE ANSWER ONLY 96 940 1 Advertising 2 News in media 3 Specialized web sites 4 Bank officers, employees of insurance and management ... 5 Independent financial consultants or brokers 6 Friends and acquaintances Sysmiss P12c. Do you follow...Changes of deposit interest rates P12c. Do you follow...Changes of deposit interest rates P12c. Do you follow...Changes of deposit interest rates P12c. Do you follow...Changes of deposit interest rates P12c. Do you follow...Changes of deposit interest rates Do you follow any of the following trends personally? Changes of deposit interest rates 1036 1 Yes 2 No P13c. What is the main source of information: P13c. What is the main source of information: P13c. What is the main source of information: P13c. What is the main source of information: P13c. What is the main source of information: If the answer is Yes in P12 What is the main source of information? Changes of deposit interest rates ONE ANSWER ONLY 183 853 1 Advertising 2 News in media 3 Specialized web sites 4 Bank officers, employees of insurance and management ... 5 Independent financial consultants or brokers 6 Friends and acquaintances Sysmiss P12d. Do you follow...Changes of loan interest rates P12d. Do you follow...Changes of loan interest rates P12d. Do you follow...Changes of loan interest rates P12d. Do you follow...Changes of loan interest rates P12d. Do you follow...Changes of loan interest rates Do you follow any of the following trends personally? Changes of loan interest rates 1036 1 Yes 2 No P13d. What is the main source of information: P13d. What is the main source of information: P13d. What is the main source of information: P13d. What is the main source of information: P13d. What is the main source of information: If the answer is Yes in P12 What is the main source of information? Changes of loan interest rates ONE ANSWER ONLY 369 667 1 Advertising 2 News in media 3 Specialized web sites 4 Bank officers, employees of insurance and management ... 5 Independent financial consultants or brokers 6 Friends and acquaintances Sysmiss P12e. Do you follow...Changes in the inflation rate P12e. Do you follow...Changes in the inflation rate P12e. Do you follow...Changes in the inflation rate P12e. Do you follow...Changes in the inflation rate P12e. Do you follow...Changes in the inflation rate Do you follow any of the following trends personally? Changes in the inflation rate 1036 1 Yes 2 No P13e. What is the main source of information: P13e. What is the main source of information: P13e. What is the main source of information: P13e. What is the main source of information: P13e. What is the main source of information: If the answer is Yes in P12 What is the main source of information? Changes in the inflation rate ONE ANSWER ONLY 254 782 1 Advertising 2 News in media 3 Specialized web sites 4 Bank officers, employees of insurance and management ... 5 Independent financial consultants or brokers 6 Friends and acquaintances Sysmiss P12f. Do you follow...Changes in pensions, benefits and tax exemptions P12f. Do you follow...Changes in pensions, benefits and tax exemptions P12f. Do you follow...Changes in pensions, benefits and tax exemptions P12f. Do you follow...Changes in pensions, benefits and tax exemptions P12f. Do you follow...Changes in pensions, benefits and tax exemptions Do you follow any of the following trends personally? Changes in pensions, benefits and tax exemptions 1036 1 Yes 2 No P13f. What is the main source of information: P13f. What is the main source of information: P13f. What is the main source of information: P13f. What is the main source of information: P13f. What is the main source of information: If the answer is Yes in P12 What is the main source of information? Changes in pensions, benefits and tax exemptions ONE ANSWER ONLY 484 552 1 Advertising 2 News in media 3 Specialized web sites 4 Bank officers, employees of insurance and management ... 5 Independent financial consultants or brokers 6 Friends and acquaintances Sysmiss P12g. Do you follow...Price fluctuations for oil, gold, metals, etc. P12g. Do you follow...Price fluctuations for oil, gold, metals, etc. P12g. Do you follow...Price fluctuations for oil, gold, metals, etc. P12g. Do you follow...Price fluctuations for oil, gold, metals, etc. P12g. Do you follow...Price fluctuations for oil, gold, metals, etc. Do you follow any of the following trends personally? Price fluctuations for oil, gold, metals, etc. 1036 1 Yes 2 No P13g. What is the main source of information: P13g. What is the main source of information: P13g. What is the main source of information: P13g. What is the main source of information: P13g. What is the main source of information: If the answer is Yes in P12 What is the main source of information? Price fluctuations for oil, gold, metals, etc. ONE ANSWER ONLY 445 591 1 Advertising 2 News in media 3 Specialized web sites 4 Bank officers, employees of insurance and management ... 5 Independent financial consultants or brokers 6 Friends and acquaintances Sysmiss P14. Are you aware of the activities of the Consumer Protection Ombudsman Institu P14. Are you aware of the activities of the Consumer Protection Ombudsman Institu P14. Are you aware of the activities of the Consumer Protection Ombudsman Institu P14. Are you aware of the activities of the Consumer Protection Ombudsman Institu P14. Are you aware of the activities of the Consumer Protection Ombudsman Institu Are you aware of the activities of the Consumer Protection Ombudsman Institution concerning the services offered by banks? 1036 1 Yes 2 No 9 Don't know P15a. How often did you...Bank officers or bankers P15a. How often did you...Bank officers or bankers P15a. How often did you...Bank officers or bankers P15a. How often did you...Bank officers or bankers P15a. How often did you...Bank officers or bankers In the last 12 months, did you have personal contacts or contacts by phone - and how often - with...? Bank officers or bankers 1036 Never 1 Once a year 2 Once in 6 months 3 Once in 2 or 3 months 4 Once a month 5 Several times a month P15b. How often did you...Representatives of insurance companies P15b. How often did you...Representatives of insurance companies P15b. How often did you...Representatives of insurance companies P15b. How often did you...Representatives of insurance companies P15b. How often did you...Representatives of insurance companies In the last 12 months, did you have personal contacts or contacts by phone - and how often - with...? Representatives of insurance companies 1036 Never 1 Once a year 2 Once in 6 months 3 Once in 2 or 3 months 4 Once a month 5 Several times a month P15c. How often did you...Representatives of the brokerage houses P15c. How often did you...Representatives of the brokerage houses P15c. How often did you...Representatives of the brokerage houses P15c. How often did you...Representatives of the brokerage houses P15c. How often did you...Representatives of the brokerage houses In the last 12 months, did you have personal contacts or contacts by phone - and how often - with...? Representatives of the brokerage houses 1036 Never 1 Once a year 2 Once in 6 months 3 Once in 2 or 3 months 4 Once a month 5 Several times a month P15d. How often did you...Independent financial advisers or brokers P15d. How often did you...Independent financial advisers or brokers P15d. How often did you...Independent financial advisers or brokers P15d. How often did you...Independent financial advisers or brokers P15d. How often did you...Independent financial advisers or brokers In the last 12 months, did you have personal contacts or contacts by phone - and how often - with...? Independent financial advisers or brokers 1036 Never 1 Once a year 2 Once in 6 months 3 Once in 2 or 3 months 4 Once a month 5 Several times a month P15e. How often did you...Representatives of microcredit organizations P15e. How often did you...Representatives of microcredit organizations P15e. How often did you...Representatives of microcredit organizations P15e. How often did you...Representatives of microcredit organizations P15e. How often did you...Representatives of microcredit organizations In the last 12 months, did you have personal contacts or contacts by phone - and how often - with...? .Representatives of microcredit organizations 1036 Never 1 Once a year 2 Once in 6 months 3 Once in 2 or 3 months 4 Once a month 5 Several times a month P16. When you meet your relatives, colleagues, friends, how often do you talk abo P16. When you meet your relatives, colleagues, friends, how often do you talk abo P16. When you meet your relatives, colleagues, friends, how often do you talk abo P16. When you meet your relatives, colleagues, friends, how often do you talk abo P16. When you meet your relatives, colleagues, friends, how often do you talk abo When you meet your relatives, colleagues, friends, how often do you talk about financial institutions and services? 1036 Never 1 Once a month or less 2 Several times a month 3 Several times a week 4 Daily P17_1. Which of the following...most suitable to deliver financial literacy P17_1. Which of the following...most suitable to deliver financial literacy P17_1. Which of the following...most suitable to deliver financial literacy P17_1. Which of the following...most suitable to deliver financial literacy P17_1. Which of the following...most suitable to deliver financial literacy Which of the following organizations do you see as the most suitable to deliver financial literacy program in BiH? C hoose up to 3 answers 1036 1 Commercial banks 2 Insurance companies 3 Investment fund management companies 4 Non-government organizations or public institutions ... 5 Government entities regulating these markets 6 Higher education institutions for economics and finance 7 Independent financial consultants 8 Mass media (journalists and TV presenters) 9 Other 99 Don’t know P17_2. Which of the following...most suitable to deliver financial literacy P17_2. Which of the following...most suitable to deliver financial literacy P17_2. Which of the following...most suitable to deliver financial literacy P17_2. Which of the following...most suitable to deliver financial literacy P17_2. Which of the following...most suitable to deliver financial literacy Which of the following organizations do you see as the most suitable to deliver financial literacy program in BiH? C hoose up to 3 answers 813 223 1 Commercial banks 2 Insurance companies 3 Investment fund management companies 4 Non-government organizations or public institutions ... 5 Government entities regulating these markets 6 Higher education institutions for economics and finance 7 Independent financial consultants 8 Mass media (journalists and TV presenters) 9 Other 99 Don’t know Sysmiss P17_3. Which of the following...most suitable to deliver financial literacy P17_3. Which of the following...most suitable to deliver financial literacy P17_3. Which of the following...most suitable to deliver financial literacy P17_3. Which of the following...most suitable to deliver financial literacy P17_3. Which of the following...most suitable to deliver financial literacy Which of the following organizations do you see as the most suitable to deliver financial literacy program in BiH? C hoose up to 3 answers 572 464 1 Commercial banks 2 Insurance companies 3 Investment fund management companies 4 Non-government organizations or public institutions ... 5 Government entities regulating these markets 6 Higher education institutions for economics and finance 7 Independent financial consultants 8 Mass media (journalists and TV presenters) 9 Other 99 Don’t know Sysmiss P18a. Which of the following...How to establish financial targets P18a. Which of the following...How to establish financial targets P18a. Which of the following...How to establish financial targets P18a. Which of the following...How to establish financial targets P18a. Which of the following...How to establish financial targets Which of the following aspects of managing personal finances do you believe should be a required part of a financial training course for citizens...? How to establish one's own financial targets and formulate a personal current financial plan 1036 1 Yes 2 No 9 Don't know P18b. Which of the following...What to do not to overindebted P18b. Which of the following...What to do not to overindebted P18b. Which of the following...What to do not to overindebted P18b. Which of the following...What to do not to overindebted P18b. Which of the following...What to do not to overindebted Which of the following aspects of managing personal finances do you believe should be a required part of a financial training course for citizens...? What to do not to overindebted 1036 1 Yes 2 No 9 Don't know P18c. Which of the following...How to plan purchases of durables P18c. Which of the following...How to plan purchases of durables P18c. Which of the following...How to plan purchases of durables P18c. Which of the following...How to plan purchases of durables P18c. Which of the following...How to plan purchases of durables Which of the following aspects of managing personal finances do you believe should be a required part of a financial training course for citizens...? How to plan purchases of durables (car, apartment, dacha) and evaluate one's abilities to implement them 1036 1 Yes 2 No 9 Don't know P18d. Which of the following...How does the pension scheme work P18d. Which of the following...How does the pension scheme work P18d. Which of the following...How does the pension scheme work P18d. Which of the following...How does the pension scheme work P18d. Which of the following...How does the pension scheme work Which of the following aspects of managing personal finances do you believe should be a required part of a financial training course for citizens...? How does the pension scheme work and what methods are available to secure one's old age income 1036 1 Yes 2 No 9 Don't know P18e. Which of the following...Banking services P18e. Which of the following...Banking services P18e. Which of the following...Banking services P18e. Which of the following...Banking services P18e. Which of the following...Banking services Which of the following aspects of managing personal finances do you believe should be a required part of a financial training course for citizens...? Banking services - current accounts, saving deposits and credit cards 1036 1 Yes 2 No 9 Don't know P18f. Which of the following...Consumer credits P18f. Which of the following...Consumer credits P18f. Which of the following...Consumer credits P18f. Which of the following...Consumer credits P18f. Which of the following...Consumer credits Which of the following aspects of managing personal finances do you believe should be a required part of a financial training course for citizens...? Consumer credits to purchase goods and services 1036 1 Yes 2 No 9 Don't know P18g. Which of the following...Mortgage loans P18g. Which of the following...Mortgage loans P18g. Which of the following...Mortgage loans P18g. Which of the following...Mortgage loans P18g. Which of the following...Mortgage loans Which of the following aspects of managing personal finances do you believe should be a required part of a financial training course for citizens...? Mortgage loans 1036 1 Yes 2 No 9 Don't know P18h. Which of the following...Insurance and related products P18h. Which of the following...Insurance and related products P18h. Which of the following...Insurance and related products P18h. Which of the following...Insurance and related products P18h. Which of the following...Insurance and related products Which of the following aspects of managing personal finances do you believe should be a required part of a financial training course for citizens...? Insurance and related products 1036 1 Yes 2 No 9 Don't know P18i. Which of the following...Capital markets, stock and investment funds P18i. Which of the following...Capital markets, stock and investment funds P18i. Which of the following...Capital markets, stock and investment funds P18i. Which of the following...Capital markets, stock and investment funds P18i. Which of the following...Capital markets, stock and investment funds Which of the following aspects of managing personal finances do you believe should be a required part of a financial training course for citizens...? Capital markets, stock and investment funds 1036 1 Yes 2 No 9 Don't know P18j. Which of the following...Sources of information on financial services P18j. Which of the following...Sources of information on financial services P18j. Which of the following...Sources of information on financial services P18j. Which of the following...Sources of information on financial services P18j. Which of the following...Sources of information on financial services Which of the following aspects of managing personal finances do you believe should be a required part of a financial training course for citizens...? Sources of information on financial services, interpretation of the information and ways to differentiate advertising from objective information 1036 1 Yes 2 No 9 Don't know P18k. Which of the following...What parameters are used to compare bank services P18k. Which of the following...What parameters are used to compare bank services P18k. Which of the following...What parameters are used to compare bank services P18k. Which of the following...What parameters are used to compare bank services P18k. Which of the following...What parameters are used to compare bank services Which of the following aspects of managing personal finances do you believe should be a required part of a financial training course for citizens...? What parameters are used to compare the services offered by banks and other financial companies 1036 1 Yes 2 No 9 Don't know P18l. Which of the following...What consumer protection laws are available P18l. Which of the following...What consumer protection laws are available P18l. Which of the following...What consumer protection laws are available P18l. Which of the following...What consumer protection laws are available P18l. Which of the following...What consumer protection laws are available Which of the following aspects of managing personal finances do you believe should be a required part of a financial training course for citizens...? What consumer protection laws are available and what one needs to do when one's consumer rights are violated 1036 1 Yes 2 No 9 Don't know P18m. Which of the following...What information should a user pay attention to P18m. Which of the following...What information should a user pay attention to P18m. Which of the following...What information should a user pay attention to P18m. Which of the following...What information should a user pay attention to P18m. Which of the following...What information should a user pay attention to Which of the following aspects of managing personal finances do you believe should be a required part of a financial training course for citizens...? What information should a user pay attention to when signing a contract with a bank or another financial company 1036 1 Yes 2 No 9 Don't know P19 How often do you compare the terms and conditions for provision of financial P19 How often do you compare the terms and conditions for provision of financial P19 How often do you compare the terms and conditions for provision of financial P19 How often do you compare the terms and conditions for provision of financial P19 How often do you compare the terms and conditions for provision of financial How often do you compare the terms and conditions for provision of financial services by various companies before you sign a contract for such a service? For instance, do you check loan terms, such as interest rate levels, maturity, collateral levels with different commercial banks or or life insurance terms with different insurance companies? 1036 1 Never 2 Rarely 3 Sometimes 4 Always 97 I do not use any financial service 99 Don’t know P20_1. What sources of information...when choosing a company to buy services fro P20_1. What sources of information...when choosing a company to buy services fro P20_1. What sources of information...when choosing a company to buy services fro P20_1. What sources of information...when choosing a company to buy services fro P20_1. What sources of information...when choosing a company to buy services fro What sources of information do you pay attention to when choosing a company to buy a service from? Multiple Responses possible 1036 1 Advertisements 2 Information materials of financial companies on their ... 3 Advice of consultants working for providers of a ... 4 Recommendations of independent financial consultants or ... 5 Analytical materials published in mass media 6 Employer’s advice 7 Advice of friends and relatives 8 Internet forums and blogs 9 Other 99 Don’t know P20_2. What sources of information...when choosing a company to buy services fro P20_2. What sources of information...when choosing a company to buy services fro P20_2. What sources of information...when choosing a company to buy services fro P20_2. What sources of information...when choosing a company to buy services fro P20_2. What sources of information...when choosing a company to buy services fro What sources of information do you pay attention to when choosing a company to buy a service from? Multiple Responses possible 616 420 1 Advertisements 2 Information materials of financial companies on their ... 3 Advice of consultants working for providers of a ... 4 Recommendations of independent financial consultants or ... 5 Analytical materials published in mass media 6 Employer’s advice 7 Advice of friends and relatives 8 Internet forums and blogs 9 Other 99 Don’t know Sysmiss P20_3. What sources of information...when choosing a company to buy services fro P20_3. What sources of information...when choosing a company to buy services fro P20_3. What sources of information...when choosing a company to buy services fro P20_3. What sources of information...when choosing a company to buy services fro P20_3. What sources of information...when choosing a company to buy services fro What sources of information do you pay attention to when choosing a company to buy a service from? Multiple Responses possible 302 734 1 Advertisements 2 Information materials of financial companies on their ... 3 Advice of consultants working for providers of a ... 4 Recommendations of independent financial consultants or ... 5 Analytical materials published in mass media 6 Employer’s advice 7 Advice of friends and relatives 8 Internet forums and blogs 9 Other 99 Don’t know Sysmiss P20_4. What sources of information...when choosing a company to buy services fro P20_4. What sources of information...when choosing a company to buy services fro P20_4. What sources of information...when choosing a company to buy services fro P20_4. What sources of information...when choosing a company to buy services fro P20_4. What sources of information...when choosing a company to buy services fro What sources of information do you pay attention to when choosing a company to buy a service from? Multiple Responses possible 50 986 1 Advertisements 2 Information materials of financial companies on their ... 3 Advice of consultants working for providers of a ... 4 Recommendations of independent financial consultants or ... 5 Analytical materials published in mass media 6 Employer’s advice 7 Advice of friends and relatives 8 Internet forums and blogs 9 Other 99 Don’t know Sysmiss P20_5. What sources of information...when choosing a company to buy services fro P20_5. What sources of information...when choosing a company to buy services fro P20_5. What sources of information...when choosing a company to buy services fro P20_5. What sources of information...when choosing a company to buy services fro P20_5. What sources of information...when choosing a company to buy services fro What sources of information do you pay attention to when choosing a company to buy a service from? Multiple Responses possible 8 1028 1 Advertisements 2 Information materials of financial companies on their ... 3 Advice of consultants working for providers of a ... 4 Recommendations of independent financial consultants or ... 5 Analytical materials published in mass media 6 Employer’s advice 7 Advice of friends and relatives 8 Internet forums and blogs 9 Other 99 Don’t know Sysmiss P20_6. What sources of information...when choosing a company to buy services fro P20_6. What sources of information...when choosing a company to buy services fro P20_6. What sources of information...when choosing a company to buy services fro P20_6. What sources of information...when choosing a company to buy services fro P20_6. What sources of information...when choosing a company to buy services fro What sources of information do you pay attention to when choosing a company to buy a service from? Multiple Responses possible 2 1034 1 Advertisements 2 Information materials of financial companies on their ... 3 Advice of consultants working for providers of a ... 4 Recommendations of independent financial consultants or ... 5 Analytical materials published in mass media 6 Employer’s advice 7 Advice of friends and relatives 8 Internet forums and blogs 9 Other 99 Don’t know Sysmiss P20_7. What sources of information...when choosing a company to buy services fro P20_7. What sources of information...when choosing a company to buy services fro P20_7. What sources of information...when choosing a company to buy services fro P20_7. What sources of information...when choosing a company to buy services fro P20_7. What sources of information...when choosing a company to buy services fro What sources of information do you pay attention to when choosing a company to buy a service from? Multiple Responses possible 1 1035 1 Advertisements 2 Information materials of financial companies on their ... 3 Advice of consultants working for providers of a ... 4 Recommendations of independent financial consultants or ... 5 Analytical materials published in mass media 6 Employer’s advice 7 Advice of friends and relatives 8 Internet forums and blogs 9 Other 99 Don’t know Sysmiss P20_8. What sources of information...when choosing a company to buy services fro P20_8. What sources of information...when choosing a company to buy services fro P20_8. What sources of information...when choosing a company to buy services fro P20_8. What sources of information...when choosing a company to buy services fro P20_8. What sources of information...when choosing a company to buy services fro What sources of information do you pay attention to when choosing a company to buy a service from? Multiple Responses possible 1 1035 1 Advertisements 2 Information materials of financial companies on their ... 3 Advice of consultants working for providers of a ... 4 Recommendations of independent financial consultants or ... 5 Analytical materials published in mass media 6 Employer’s advice 7 Advice of friends and relatives 8 Internet forums and blogs 9 Other 99 Don’t know Sysmiss P21. How would you assess the level of your financial literacy? P21. How would you assess the level of your financial literacy? P21. How would you assess the level of your financial literacy? P21. How would you assess the level of your financial literacy? P21. How would you assess the level of your financial literacy? How would you assess the level of your financial literacy? 1036 1 No knowledge and skills 2 Unsatisfactory knowledge and skills 3 Satisfactory knowledge and skills 4 Good knowledge and skills 5 Excellent knowledge and skills 9 Don’t know P22. Let’s assume you deposited 10,000 KM in a bank account at 8% annual interest P22. Let’s assume you deposited 10,000 KM in a bank account at 8% annual interest P22. Let’s assume you deposited 10,000 KM in a bank account at 8% annual interest P22. Let’s assume you deposited 10,000 KM in a bank account at 8% annual interest P22. Let’s assume you deposited 10,000 KM in a bank account at 8% annual interest Let's assume you deposited 10,000 KM in a bank account at 8% annual interest rate. How much money will you have in your account in 2 years if you do not withdraw from or add to this account any money? READ 1036 1 More than 18,000 KM 2 Exactly 18.000 KM 3 Less than 18.000 KM 9 Don’t know P23. Let’s assume that you deposited 10,000 KM in a bank account at 10% annual in P23. Let’s assume that you deposited 10,000 KM in a bank account at 10% annual in P23. Let’s assume that you deposited 10,000 KM in a bank account at 10% annual in P23. Let’s assume that you deposited 10,000 KM in a bank account at 10% annual in P23. Let’s assume that you deposited 10,000 KM in a bank account at 10% annual in Let's assume that you deposited 10,000 KM in a bank account at 10% annual interest rate. The interest will be earned at the end of each year and will be added to the principal. How much money will you have in your account in 5 years if you do not withdraw either the principal or the interest? 1036 1 More than 15.000 KM 2 Exactly 15.000 KM 3 Less than 15.000 KM 9 Don’t know P24. Imagine that you deposited money in a bank account at 8% interest rate, whil P24. Imagine that you deposited money in a bank account at 8% interest rate, whil P24. Imagine that you deposited money in a bank account at 8% interest rate, whil P24. Imagine that you deposited money in a bank account at 8% interest rate, whil P24. Imagine that you deposited money in a bank account at 8% interest rate, whil Imagine that you deposited money in a bank account at 8% interest rate, while the annual inflation rate was 10%. Do you think the money from your account can buy more or less, or the same amount of goods and services on average now as a year ago? 1036 1 More than a year ago 2 The same 3 Less than a year ago 9 Don’t know P25. Let’s assume that in 2012 your income is twice as now, and the consumer pric P25. Let’s assume that in 2012 your income is twice as now, and the consumer pric P25. Let’s assume that in 2012 your income is twice as now, and the consumer pric P25. Let’s assume that in 2012 your income is twice as now, and the consumer pric P25. Let’s assume that in 2012 your income is twice as now, and the consumer pric Let's assume that in 2012 your income is twice as now, and the consumer prices also grow twofold. Do you think that in 2012 you will be able to buy more, less, or the same amount of goods and services as today? 1036 1 More than a year ago 2 The same 3 Less than a year ago 9 Don’t know P26. Let’s assume that you saw a TV-set of the same model on sale in two differen P26. Let’s assume that you saw a TV-set of the same model on sale in two differen P26. Let’s assume that you saw a TV-set of the same model on sale in two differen P26. Let’s assume that you saw a TV-set of the same model on sale in two differen P26. Let’s assume that you saw a TV-set of the same model on sale in two differen Let's assume that you saw a TV-set of the same model on sale in two different shops. The initial retail price of it was 1,000 KM. One shop offered a discount of 150 KM, while the other one offered a 10% discount. Which one is a better bargain - a discount of 150 KM or 10%? 1036 1 A discount of 150 KM 2 They are the same 3 A 10% discount 9 Don’t know P27. Let’s assume that you took a bank loan of 10,000 KM to be paid back during a P27. Let’s assume that you took a bank loan of 10,000 KM to be paid back during a P27. Let’s assume that you took a bank loan of 10,000 KM to be paid back during a P27. Let’s assume that you took a bank loan of 10,000 KM to be paid back during a P27. Let’s assume that you took a bank loan of 10,000 KM to be paid back during a Let's assume that you took a bank loan of 10,000 KM to be paid back during a year in equal monthly payments. In the course of the year, you will pay back a total of 600 KM in interest. Give a rough estimate of the annual price of your credit. 1036 1 3% 2 2.6% 3 6% 4 11% 9 Don’t know P28. If a citizen has a deposit in a Bosnian bank and this bank goes bankrupt, do P28. If a citizen has a deposit in a Bosnian bank and this bank goes bankrupt, do P28. If a citizen has a deposit in a Bosnian bank and this bank goes bankrupt, do P28. If a citizen has a deposit in a Bosnian bank and this bank goes bankrupt, do P28. If a citizen has a deposit in a Bosnian bank and this bank goes bankrupt, do If a citizen has a deposit in a Bosnian bank and this bank goes bankrupt, do you know what maximum level of a deposit is entirely insured by the government? 1036 1 The government does not insure the bank deposits 2 The amount of 15,000 KM 3 The amount of 35,000 KM 4 The amount of 50,000 KM 5 The government insures all bank deposits in their full ... 9 Don’t know P29. If a citizen owns shares in the investment fund, and the value of shares plu P29. If a citizen owns shares in the investment fund, and the value of shares plu P29. If a citizen owns shares in the investment fund, and the value of shares plu P29. If a citizen owns shares in the investment fund, and the value of shares plu P29. If a citizen owns shares in the investment fund, and the value of shares plu If a citizen owns shares in the investment fund, and the value of shares plummeted because of a large scale financial crisis, what is an approximate level of losses insured by the government? 1036 1 The government does not insure against losses from the ... 2 The amount of 15,000 KM 3 The amount of 35,000 KM 4 The amount of 50,000 KM 5 The government insures all investment fund shares in ... 9 Don't know P30_1. In which of the...should individual financial market losses be compensate P30_1. In which of the...should individual financial market losses be compensate P30_1. In which of the...should individual financial market losses be compensate P30_1. In which of the...should individual financial market losses be compensate P30_1. In which of the...should individual financial market losses be compensate In which of the following cases it is appropriate for the government to compensate individuals for the losses on the financial market? Multiple responses possible 1036 1 If a bank goes bankrupt 2 Shares of an investment fall significantly 3 Shares of a private company fall significantly 4 Apartment prices drop at the time when one needs to ... 5 None of the above 9 Don’t know 99 P30_2. In which of the...should individual financial market losses be compensate P30_2. In which of the...should individual financial market losses be compensate P30_2. In which of the...should individual financial market losses be compensate P30_2. In which of the...should individual financial market losses be compensate P30_2. In which of the...should individual financial market losses be compensate In which of the following cases it is appropriate for the government to compensate individuals for the losses on the financial market? Multiple responses possible 128 908 1 If a bank goes bankrupt 2 Shares of an investment fall significantly 3 Shares of a private company fall significantly 4 Apartment prices drop at the time when one needs to ... 5 None of the above 9 Don’t know Sysmiss P30_3. In which of the...should individual financial market losses be compensate P30_3. In which of the...should individual financial market losses be compensate P30_3. In which of the...should individual financial market losses be compensate P30_3. In which of the...should individual financial market losses be compensate P30_3. In which of the...should individual financial market losses be compensate In which of the following cases it is appropriate for the government to compensate individuals for the losses on the financial market? Multiple responses possible 44 992 1 If a bank goes bankrupt 2 Shares of an investment fall significantly 3 Shares of a private company fall significantly 4 Apartment prices drop at the time when one needs to ... 5 None of the above 9 Don’t know Sysmiss P30_4. In which of the...should individual financial market losses be compensate P30_4. In which of the...should individual financial market losses be compensate P30_4. In which of the...should individual financial market losses be compensate P30_4. In which of the...should individual financial market losses be compensate P30_4. In which of the...should individual financial market losses be compensate In which of the following cases it is appropriate for the government to compensate individuals for the losses on the financial market? Multiple responses possible 21 1015 1 If a bank goes bankrupt 2 Shares of an investment fall significantly 3 Shares of a private company fall significantly 4 Apartment prices drop at the time when one needs to ... 5 None of the above 9 Don’t know Sysmiss P31. Which of the following statements correctly describes the role of a guaranto P31. Which of the following statements correctly describes the role of a guaranto P31. Which of the following statements correctly describes the role of a guaranto P31. Which of the following statements correctly describes the role of a guaranto P31. Which of the following statements correctly describes the role of a guaranto Which of the following statements correctly describes the role of a guarantor? 1036 1 A guarantor assists the borrower to fulfil the conditions... 2 A bank may collect the borrower’s outstanding liabilities... 8 Don’t know 9 P32. Which of the following statements correctly describes the role of a promisso P32. Which of the following statements correctly describes the role of a promisso P32. Which of the following statements correctly describes the role of a promisso P32. Which of the following statements correctly describes the role of a promisso P32. Which of the following statements correctly describes the role of a promisso Which of the following statements correctly describes the role of a promissory note as a loan guarantee instrument? 1 - A promissory note allows the bank to collect its claims by selling all debtor's assets if necessary 2 - A promissory note allows the bank to collect its claims only from current revenues 9 - Don't know (DON'T READ) 1036 1 A promissory note allows the bank to collect its claims ... 2 A promissory note allows the bank to collect its claims ... 8 Don’t know 9 P33. Does the loan currency clause reduce more the risk of the bank or of the bor P33. Does the loan currency clause reduce more the risk of the bank or of the bor P33. Does the loan currency clause reduce more the risk of the bank or of the bor P33. Does the loan currency clause reduce more the risk of the bank or of the bor P33. Does the loan currency clause reduce more the risk of the bank or of the bor Does the loan currency clause reduce more the risk of the bank or of the borrower? 1036 1 It reduces the bank’s risk 2 It reduces the borrower’s risk 8 Don’t know 9 P34. Is a revolving credit card the same as the credit card? P34. Is a revolving credit card the same as the credit card? P34. Is a revolving credit card the same as the credit card? P34. Is a revolving credit card the same as the credit card? P34. Is a revolving credit card the same as the credit card? Is a revolving credit card the same as the credit card? 1036 1 Yes 2 No 8 No answer 9 Don't know P35. Is the following statement true or false: ‘going in red’ on the current acco P35. Is the following statement true or false: ‘going in red’ on the current acco P35. Is the following statement true or false: ‘going in red’ on the current acco P35. Is the following statement true or false: ‘going in red’ on the current acco P35. Is the following statement true or false: ‘going in red’ on the current acco Is the following statement true or false: 'going in red' on the current account is the most favourable form of consumer credit? 1036 1 True 2 False 8 Don’t know 9 P36. In your family do you usually have a financial plan, thus you know how to co P36. In your family do you usually have a financial plan, thus you know how to co P36. In your family do you usually have a financial plan, thus you know how to co P36. In your family do you usually have a financial plan, thus you know how to co P36. In your family do you usually have a financial plan, thus you know how to co In your family do you usually have a financial plan, thus you know how to cover current monthly expenses? 1036 1 Yes 2 No 9 Don't know P37. Is your family used to keeping records of income and expenditures? P37. Is your family used to keeping records of income and expenditures? P37. Is your family used to keeping records of income and expenditures? P37. Is your family used to keeping records of income and expenditures? P37. Is your family used to keeping records of income and expenditures? Is your family used to keeping records of income and expenditures? 1. Yes, we keep records of everything, entering all revenues and all expenditures 2. Yes, we keep records of everything, but not all revenues and expenditures are entered 3. No, we don't keep records of everything, but we know in general how much money is received and spent during a month. 4. No, we don't keep records of family's resources, and we don't have even a vague idea of how much money is received and spent during a month 9. Don't know 1036 1 Yes, we keep records of everything, entering all revenues... 2 Yes, we keep records of everything, but not all revenues ... 3 No, we don’t keep records of everything, but we know in ... 4 No, we don’t keep records of family’s resources, and we ... 9 Don’t know P38a. How often...had money unspent from month to month P38a. How often...had money unspent from month to month P38a. How often...had money unspent from month to month P38a. How often...had money unspent from month to month P38a. How often...had money unspent from month to month How often during the last 12 months your household: had money unspent from month to month 1036 1 Never 2 Once a year or less 3 Every half a year 4 Once every 3 months 5 Every month 9 Don’t know P38b. How often...remained without money from month to month P38b. How often...remained without money from month to month P38b. How often...remained without money from month to month P38b. How often...remained without money from month to month P38b. How often...remained without money from month to month How often during the last 12 months your household: remained without money from month to month 1036 1 Never 2 Once a year or less 3 Every half a year 4 Once every 3 months 5 Every month 9 Don’t know P38c. How often...spent in a month exactly the money earned in the previous mont P38c. How often...spent in a month exactly the money earned in the previous mont P38c. How often...spent in a month exactly the money earned in the previous mont P38c. How often...spent in a month exactly the money earned in the previous mont P38c. How often...spent in a month exactly the money earned in the previous mont How often during the last 12 months your household: spent in a month exactly the money earned in the previous month If money spent = money earned always or very often (codes 5 and 4 at P38c) ? GO TO P41 If left without money always or very often (codes 5 and 4 at P38b) ? GO TO P40 If money remains unspent always or very often (codes 5 and 4 at P38a) ? GO TO P39 1036 1 Never 2 Once a year or less 3 Every half a year 4 Once every 3 months 5 Every month 9 Don’t know P39a. When household has unspent money...We spend it on consumer goods P39a. When household has unspent money...We spend it on consumer goods P39a. When household has unspent money...We spend it on consumer goods P39a. When household has unspent money...We spend it on consumer goods P39a. When household has unspent money...We spend it on consumer goods When your household remains with unspent money from month to month, generally what do you do with them? We spend it on consumer goods 278 758 1 Yes 2 No Sysmiss P39b. When household has unspent money...We keep it in cash P39b. When household has unspent money...We keep it in cash P39b. When household has unspent money...We keep it in cash P39b. When household has unspent money...We keep it in cash P39b. When household has unspent money...We keep it in cash When your household remains with unspent money from month to month, generally what do you do with them? We keep it in cash 278 758 1 Yes 2 No Sysmiss P39c. When household has unspent money...We deposit or don't withdraw it P39c. When household has unspent money...We deposit or don't withdraw it P39c. When household has unspent money...We deposit or don't withdraw it P39c. When household has unspent money...We deposit or don't withdraw it P39c. When household has unspent money...We deposit or don't withdraw it When your household remains with unspent money from month to month, generally what do you do with them? We deposit or don't withdraw it 278 758 1 Yes 2 No Sysmiss P39d. When household has unspent money...We invest it in the capital market P39d. When household has unspent money...We invest it in the capital market P39d. When household has unspent money...We invest it in the capital market P39d. When household has unspent money...We invest it in the capital market P39d. When household has unspent money...We invest it in the capital market When your household remains with unspent money from month to month, generally what do you do with them? We invest it in the capital market 278 758 1 Yes 2 No Sysmiss P39e. When household has unspent money...We lend it to friends or relatives P39e. When household has unspent money...We lend it to friends or relatives P39e. When household has unspent money...We lend it to friends or relatives P39e. When household has unspent money...We lend it to friends or relatives P39e. When household has unspent money...We lend it to friends or relatives When your household remains with unspent money from month to month, generally what do you do with them? We lend it to friends or relatives 278 758 1 Yes 2 No Sysmiss P39f. When household has unspent money...We invest it in our own business P39f. When household has unspent money...We invest it in our own business P39f. When household has unspent money...We invest it in our own business P39f. When household has unspent money...We invest it in our own business P39f. When household has unspent money...We invest it in our own business When your household remains with unspent money from month to month, generally what do you do with them? We invest it in our own business 278 758 1 Yes 2 No Sysmiss P39g. When household has unspent money...We invest it in gold and jewellery P39g. When household has unspent money...We invest it in gold and jewellery P39g. When household has unspent money...We invest it in gold and jewellery P39g. When household has unspent money...We invest it in gold and jewellery P39g. When household has unspent money...We invest it in gold and jewellery When your household remains with unspent money from month to month, generally what do you do with them? We invest it in gold and jewellery 278 758 1 Yes 2 No Sysmiss P39h. When household has unspent money...We use it to reduce old debt P39h. When household has unspent money...We use it to reduce old debt P39h. When household has unspent money...We use it to reduce old debt P39h. When household has unspent money...We use it to reduce old debt P39h. When household has unspent money...We use it to reduce old debt When your household remains with unspent money from month to month, generally what do you do with them? We use it to reduce old debt 278 758 1 Yes 2 No Sysmiss P39i. When household has unspent money...We use it for basic needs P39i. When household has unspent money...We use it for basic needs P39i. When household has unspent money...We use it for basic needs P39i. When household has unspent money...We use it for basic needs P39i. When household has unspent money...We use it for basic needs When your household remains with unspent money from month to month, generally what do you do with them? We use it for basic needs 278 758 1 Yes 2 No Sysmiss P39j. When household has unspent money...We spend it for children’s education P39j. When household has unspent money...We spend it for children’s education P39j. When household has unspent money...We spend it for children’s education P39j. When household has unspent money...We spend it for children’s education P39j. When household has unspent money...We spend it for children’s education When your household remains with unspent money from month to month, generally what do you do with them? We spend it for children’s education 278 758 1 Yes 2 No Sysmiss P39k. When household has unspent money...We spend it on health care P39k. When household has unspent money...We spend it on health care P39k. When household has unspent money...We spend it on health care P39k. When household has unspent money...We spend it on health care P39k. When household has unspent money...We spend it on health care When your household remains with unspent money from month to month, generally what do you do with them? We spend it on health care 278 758 1 Yes 2 No Sysmiss P39i. Is there any other way how you dispose with money from the previous month a P39i. Is there any other way how you dispose with money from the previous month a P39i. Is there any other way how you dispose with money from the previous month a P39i. Is there any other way how you dispose with money from the previous month a P39i. Is there any other way how you dispose with money from the previous month a Is there any other way how you dispose with money from the previous month and which? 278 758 1 Interior design of apartment/house 2 Education 3 Vacation 4 No Sysmiss P40a. When household runs out of money...We cut down expenses P40a. When household runs out of money...We cut down expenses P40a. When household runs out of money...We cut down expenses P40a. When household runs out of money...We cut down expenses P40a. When household runs out of money...We cut down expenses When your household runs out of money from month to month, generally, what do you do? We cut down expenses 285 751 1 Yes 2 No Sysmiss P40b. When household runs out of money...We borrow money from relatives, etc P40b. When household runs out of money...We borrow money from relatives, etc P40b. When household runs out of money...We borrow money from relatives, etc P40b. When household runs out of money...We borrow money from relatives, etc P40b. When household runs out of money...We borrow money from relatives, etc When your household runs out of money from month to month, generally, what do you do? We borrow money from relatives, etc 285 751 1 Yes 2 No Sysmiss P40c. When household runs out of money...We buy on credit from shops P40c. When household runs out of money...We buy on credit from shops P40c. When household runs out of money...We buy on credit from shops P40c. When household runs out of money...We buy on credit from shops P40c. When household runs out of money...We buy on credit from shops When your household runs out of money from month to month, generally, what do you do? We buy on credit from shops 285 751 1 Yes 2 No Sysmiss P40d. When household runs out of money...We borrow from non-banking fin. inst. P40d. When household runs out of money...We borrow from non-banking fin. inst. P40d. When household runs out of money...We borrow from non-banking fin. inst. P40d. When household runs out of money...We borrow from non-banking fin. inst. P40d. When household runs out of money...We borrow from non-banking fin. inst. When your household runs out of money from month to month, generally, what do you do? We borrow from non-banking fin. inst. 285 751 1 Yes 2 No Sysmiss P40e. When household runs out of money...We pawn jewellery or other goods P40e. When household runs out of money...We pawn jewellery or other goods P40e. When household runs out of money...We pawn jewellery or other goods P40e. When household runs out of money...We pawn jewellery or other goods P40e. When household runs out of money...We pawn jewellery or other goods When your household runs out of money from month to month, generally, what do you do? We pawn jewellery or other goods 285 751 1 Yes 2 No Sysmiss P40f. When household runs out of money...We spend our savings in KM P40f. When household runs out of money...We spend our savings in KM P40f. When household runs out of money...We spend our savings in KM P40f. When household runs out of money...We spend our savings in KM P40f. When household runs out of money...We spend our savings in KM When your household runs out of money from month to month, generally, what do you do? We spend our savings in KM 285 751 1 Yes 2 No Sysmiss P40g. When household runs out of money...We spend our savings in foreign currenc P40g. When household runs out of money...We spend our savings in foreign currenc P40g. When household runs out of money...We spend our savings in foreign currenc P40g. When household runs out of money...We spend our savings in foreign currenc P40g. When household runs out of money...We spend our savings in foreign currenc When your household runs out of money from month to month, generally, what do you do? We spend our savings in foreign currenc 285 751 1 Yes 2 No Sysmiss P40h. When household runs out of money...We use a credit card P40h. When household runs out of money...We use a credit card P40h. When household runs out of money...We use a credit card P40h. When household runs out of money...We use a credit card P40h. When household runs out of money...We use a credit card When your household runs out of money from month to month, generally, what do you do? We use a credit card 285 751 1 Yes 2 No Sysmiss P40i. When household runs out of money...We work extra hours or additional jobs P40i. When household runs out of money...We work extra hours or additional jobs P40i. When household runs out of money...We work extra hours or additional jobs P40i. When household runs out of money...We work extra hours or additional jobs P40i. When household runs out of money...We work extra hours or additional jobs When your household runs out of money from month to month, generally, what do you do? We work extra hours or additional jobs 285 751 1 Yes 2 No Sysmiss P40j. Is there any other way that you get by when you run out of money in between P40j. Is there any other way that you get by when you run out of money in between P40j. Is there any other way that you get by when you run out of money in between P40j. Is there any other way that you get by when you run out of money in between P40j. Is there any other way that you get by when you run out of money in between Is there any other way that you get by when you run out of money in between two months? 285 751 1 Sometimes 2 No 9 No answer Sysmiss P41_1. Please tell...reason for families you know who suddenly had fin. problems P41_1. Please tell...reason for families you know who suddenly had fin. problems P41_1. Please tell...reason for families you know who suddenly had fin. problems P41_1. Please tell...reason for families you know who suddenly had fin. problems P41_1. Please tell...reason for families you know who suddenly had fin. problems Please tell us whether there are such families among your acquaintances or friends who used to be relatively well-to-do and then suddenly encountered financial problems? If so, then what was the reason in your opinion? 1. Yes, because someone in the household has lost his job due to financial crisis 2. Yes, because of unfortunate series of events (a sudden death or loss of a job by a breadwinner, a divorce, an accident, etc.) 3. Yes, because of a wrong money management or lack of ability to plan its finances (they were buying too much, took too many credits, did not plan their future, lived for the moment, etc.) 4. Yes, they could not repay their own, or other people's, loans 5. Yes, other............... 6. I do not know such families 99. Don't know Multiple responses possible 1036 1 Yes, because someone in the household has lost his job ... 2 Yes, because of unfortunate series of events 3 Yes, because of a wrong money management or lack of ... 4 Yes, they could not repay their own, or other people’s ... 5 Yes, other 6 I do not know such families 9 Don’t know 99 P41_2. Please tell...reason for families you know who suddenly had fin. problems P41_2. Please tell...reason for families you know who suddenly had fin. problems P41_2. Please tell...reason for families you know who suddenly had fin. problems P41_2. Please tell...reason for families you know who suddenly had fin. problems P41_2. Please tell...reason for families you know who suddenly had fin. problems Please tell us whether there are such families among your acquaintances or friends who used to be relatively well-to-do and then suddenly encountered financial problems? If so, then what was the reason in your opinion? 1. Yes, because someone in the household has lost his job due to financial crisis 2. Yes, because of unfortunate series of events (a sudden death or loss of a job by a breadwinner, a divorce, an accident, etc.) 3. Yes, because of a wrong money management or lack of ability to plan its finances (they were buying too much, took too many credits, did not plan their future, lived for the moment, etc.) 4. Yes, they could not repay their own, or other people's, loans 5. Yes, other............... 6. I do not know such families 99. Don't know Multiple responses possible 138 898 1 Yes, because someone in the household has lost his job ... 2 Yes, because of unfortunate series of events 3 Yes, because of a wrong money management or lack of ... 4 Yes, they could not repay their own, or other people’s ... 5 Yes, other 6 I do not know such families 9 Don’t know Sysmiss P41_3. Please tell...reason for families you know who suddenly had fin. problems P41_3. Please tell...reason for families you know who suddenly had fin. problems P41_3. Please tell...reason for families you know who suddenly had fin. problems P41_3. Please tell...reason for families you know who suddenly had fin. problems P41_3. Please tell...reason for families you know who suddenly had fin. problems Please tell us whether there are such families among your acquaintances or friends who used to be relatively well-to-do and then suddenly encountered financial problems? If so, then what was the reason in your opinion? 1. Yes, because someone in the household has lost his job due to financial crisis 2. Yes, because of unfortunate series of events (a sudden death or loss of a job by a breadwinner, a divorce, an accident, etc.) 3. Yes, because of a wrong money management or lack of ability to plan its finances (they were buying too much, took too many credits, did not plan their future, lived for the moment, etc.) 4. Yes, they could not repay their own, or other people's, loans 5. Yes, other............... 6. I do not know such families 99. Don't know Multiple responses possible 45 991 1 Yes, because someone in the household has lost his job ... 2 Yes, because of unfortunate series of events 3 Yes, because of a wrong money management or lack of ... 4 Yes, they could not repay their own, or other people’s ... 5 Yes, other 6 I do not know such families 9 Don’t know Sysmiss P41_4. Please tell...reason for families you know who suddenly had fin. problems P41_4. Please tell...reason for families you know who suddenly had fin. problems P41_4. Please tell...reason for families you know who suddenly had fin. problems P41_4. Please tell...reason for families you know who suddenly had fin. problems P41_4. Please tell...reason for families you know who suddenly had fin. problems Please tell us whether there are such families among your acquaintances or friends who used to be relatively well-to-do and then suddenly encountered financial problems? If so, then what was the reason in your opinion? 1. Yes, because someone in the household has lost his job due to financial crisis 2. Yes, because of unfortunate series of events (a sudden death or loss of a job by a breadwinner, a divorce, an accident, etc.) 3. Yes, because of a wrong money management or lack of ability to plan its finances (they were buying too much, took too many credits, did not plan their future, lived for the moment, etc.) 4. Yes, they could not repay their own, or other people's, loans 5. Yes, other............... 6. I do not know such families 99. Don't know Multiple responses possible 17 1019 1 Yes, because someone in the household has lost his job ... 2 Yes, because of unfortunate series of events 3 Yes, because of a wrong money management or lack of ... 4 Yes, they could not repay their own, or other people’s ... 5 Yes, other 6 I do not know such families 9 Don’t know Sysmiss P41_5. Please tell...reason for families you know who suddenly had fin. problems P41_5. Please tell...reason for families you know who suddenly had fin. problems P41_5. Please tell...reason for families you know who suddenly had fin. problems P41_5. Please tell...reason for families you know who suddenly had fin. problems P41_5. Please tell...reason for families you know who suddenly had fin. problems Please tell us whether there are such families among your acquaintances or friends who used to be relatively well-to-do and then suddenly encountered financial problems? If so, then what was the reason in your opinion? 1. Yes, because someone in the household has lost his job due to financial crisis 2. Yes, because of unfortunate series of events (a sudden death or loss of a job by a breadwinner, a divorce, an accident, etc.) 3. Yes, because of a wrong money management or lack of ability to plan its finances (they were buying too much, took too many credits, did not plan their future, lived for the moment, etc.) 4. Yes, they could not repay their own, or other people's, loans 5. Yes, other............... 6. I do not know such families 99. Don't know Multiple responses possible 1036 1 Yes, because someone in the household has lost his job ... 2 Yes, because of unfortunate series of events 3 Yes, because of a wrong money management or lack of ... 4 Yes, they could not repay their own, or other people’s ... 5 Yes, other 6 I do not know such families 9 Don’t know Sysmiss P42. Did you household experience an unexpected significant reduction of your inc P42. Did you household experience an unexpected significant reduction of your inc P42. Did you household experience an unexpected significant reduction of your inc P42. Did you household experience an unexpected significant reduction of your inc P42. Did you household experience an unexpected significant reduction of your inc Did you household experience an unexpected significant reduction of your income over the last three years? If No --> GO TO P43 1036 1 Yes 2 No 9 Don't know P42A_a. What was the reason…Loss of employment due to economic crisis P42A_a. What was the reason…Loss of employment due to economic crisis P42A_a. What was the reason…Loss of employment due to economic crisis P42A_a. What was the reason…Loss of employment due to economic crisis P42A_a. What was the reason…Loss of employment due to economic crisis If Yes (code 1 at P42) What was the reason for this reduction of your income? Loss of employment due to economic crisis 438 598 1 Yes 2 No Sysmiss P42A_b. What was the reason…Loss of employment because of an accident, illness, P42A_b. What was the reason…Loss of employment because of an accident, illness, P42A_b. What was the reason…Loss of employment because of an accident, illness, P42A_b. What was the reason…Loss of employment because of an accident, illness, P42A_b. What was the reason…Loss of employment because of an accident, illness, If Yes (code 1 at P42) What was the reason for this reduction of your income? Loss of employment because of an accident, illness or disability 438 598 1 Yes 2 No Sysmiss P42A_c. What was the reason…Considerable reduction of salary/delay of wage payme P42A_c. What was the reason…Considerable reduction of salary/delay of wage payme P42A_c. What was the reason…Considerable reduction of salary/delay of wage payme P42A_c. What was the reason…Considerable reduction of salary/delay of wage payme P42A_c. What was the reason…Considerable reduction of salary/delay of wage payme If Yes (code 1 at P42) What was the reason for this reduction of your income? Considerable reduction of salary, or delays with salary payment 438 598 1 Yes 2 No Sysmiss P42A_d. What was the reason…Breakup, separation or divorce P42A_d. What was the reason…Breakup, separation or divorce P42A_d. What was the reason…Breakup, separation or divorce P42A_d. What was the reason…Breakup, separation or divorce P42A_d. What was the reason…Breakup, separation or divorce If Yes (code 1 at P42) What was the reason for this reduction of your income? Breakup, separation or divorce 438 598 1 Yes 2 No Sysmiss P42A_e. What was the reason…Retirement of the main breadwinner P42A_e. What was the reason…Retirement of the main breadwinner P42A_e. What was the reason…Retirement of the main breadwinner P42A_e. What was the reason…Retirement of the main breadwinner P42A_e. What was the reason…Retirement of the main breadwinner If Yes (code 1 at P42) What was the reason for this reduction of your income? Retirement of the main breadwinner 438 598 1 Yes 2 No Sysmiss P42A_f. What was the reason…Other (STATE WHAT REASON) P42A_f. What was the reason…Other (STATE WHAT REASON) P42A_f. What was the reason…Other (STATE WHAT REASON) P42A_f. What was the reason…Other (STATE WHAT REASON) P42A_f. What was the reason…Other (STATE WHAT REASON) If Yes (code 1 at P42) What was the reason for this reduction of your income? Other (STATE WHAT REASON) 438 598 1 Yes 2 No Sysmiss P42A_f. Other...(verbatim) P42A_f. Other...(verbatim) P42A_f. Other...(verbatim) P42A_f. Other...(verbatim) P42A_f. Other...(verbatim) If Yes (code 1 at P42) What was the reason for this reduction of your income? Other (STATE WHAT REASON) 25 1011 1 Price rise 2 Loan 3 Education 4 Death in family 5 reduction in the Pension payment 6 The Family Expansion 7 change in the workplace 8 Termination of scholarships 9 maternity leave 10 buying an apartment Sysmiss P42B_a. How did you manage…We cut down costs P42B_a. How did you manage…We cut down costs P42B_a. How did you manage…We cut down costs P42B_a. How did you manage…We cut down costs P42B_a. How did you manage…We cut down costs How did you manage to make the ends meet when your income suddenly dropped? We cut down COSTS 438 598 1 Yes 2 No Sysmiss P42B_b. How did you manage…We borrowed money from relatives, friends, etc. P42B_b. How did you manage…We borrowed money from relatives, friends, etc. P42B_b. How did you manage…We borrowed money from relatives, friends, etc. P42B_b. How did you manage…We borrowed money from relatives, friends, etc. P42B_b. How did you manage…We borrowed money from relatives, friends, etc. How did you manage to make the ends meet when your income suddenly dropped? We borrowed money from relatives, friends and acquaintances 438 598 1 Yes 2 No Sysmiss P42B_c. How did you manage…We bought on credit from shops P42B_c. How did you manage…We bought on credit from shops P42B_c. How did you manage…We bought on credit from shops P42B_c. How did you manage…We bought on credit from shops P42B_c. How did you manage…We bought on credit from shops How did you manage to make the ends meet when your income suddenly dropped? We bought on credit (informally - „pe caiet") from shops 438 598 1 Yes 2 No Sysmiss P42B_d. How did you manage…We borrowed from non-banking financial institutions P42B_d. How did you manage…We borrowed from non-banking financial institutions P42B_d. How did you manage…We borrowed from non-banking financial institutions P42B_d. How did you manage…We borrowed from non-banking financial institutions P42B_d. How did you manage…We borrowed from non-banking financial institutions How did you manage to make the ends meet when your income suddenly dropped? We borrowed from non-banking financial institutions (micro-credits) 438 598 1 Yes 2 No Sysmiss P42B_e. How did you manage…We pawned jewellery or other goods P42B_e. How did you manage…We pawned jewellery or other goods P42B_e. How did you manage…We pawned jewellery or other goods P42B_e. How did you manage…We pawned jewellery or other goods P42B_e. How did you manage…We pawned jewellery or other goods How did you manage to make the ends meet when your income suddenly dropped? We pawned jewellery or other goods 438 598 1 Yes 2 No Sysmiss P42B_f. How did you manage…We spent our savings in KM P42B_f. How did you manage…We spent our savings in KM P42B_f. How did you manage…We spent our savings in KM P42B_f. How did you manage…We spent our savings in KM P42B_f. How did you manage…We spent our savings in KM How did you manage to make the ends meet when your income suddenly dropped? We spent our savings in KM 438 598 1 Yes 2 No Sysmiss P42B_g. How did you manage…We exchanged our foreign currency savings to KM P42B_g. How did you manage…We exchanged our foreign currency savings to KM P42B_g. How did you manage…We exchanged our foreign currency savings to KM P42B_g. How did you manage…We exchanged our foreign currency savings to KM P42B_g. How did you manage…We exchanged our foreign currency savings to KM How did you manage to make the ends meet when your income suddenly dropped? We exchanged our foreign currency savings to KM 438 598 1 Yes 2 No Sysmiss P42B_h. How did you manage…We used a credit card P42B_h. How did you manage…We used a credit card P42B_h. How did you manage…We used a credit card P42B_h. How did you manage…We used a credit card P42B_h. How did you manage…We used a credit card How did you manage to make the ends meet when your income suddenly dropped? We used a credit card 438 598 1 Yes 2 No Sysmiss P42B_i. How did you manage…We worked extra hours or additional jobs P42B_i. How did you manage…We worked extra hours or additional jobs P42B_i. How did you manage…We worked extra hours or additional jobs P42B_i. How did you manage…We worked extra hours or additional jobs P42B_i. How did you manage…We worked extra hours or additional jobs How did you manage to make the ends meet when your income suddenly dropped? We worked extra hours or additional jobs 438 598 1 Yes 2 No Sysmiss P42B_j. How did you manage....Other... P42B_j. How did you manage....Other... P42B_j. How did you manage....Other... P42B_j. How did you manage....Other... P42B_j. How did you manage....Other... How did you manage to make the ends meet when your income suddenly dropped? Other (STATE WHAT) 438 598 1 Yes 2 No Sysmiss P42B_j. Other...(verbatim) P42B_j. Other...(verbatim) P42B_j. Other...(verbatim) P42B_j. Other...(verbatim) P42B_j. Other...(verbatim) How did you manage to make the ends meet when your income suddenly dropped? Other (STATE WHAT) 1 1035 1 Sell land Sysmiss P43. How often during the last 12 months your household had to borrow to pay back P43. How often during the last 12 months your household had to borrow to pay back P43. How often during the last 12 months your household had to borrow to pay back P43. How often during the last 12 months your household had to borrow to pay back P43. How often during the last 12 months your household had to borrow to pay back How often during the last 12 months your household had to borrow to pay back your other debts? 1036 1 Never 2 Once a year or less 3 Once in 6 months 4 Once in 3 months 5 Every month 9 Don’t know P44. Would you please say whether your household has any debts now apart from lon P44. Would you please say whether your household has any debts now apart from lon P44. Would you please say whether your household has any debts now apart from lon P44. Would you please say whether your household has any debts now apart from lon P44. Would you please say whether your household has any debts now apart from lon Would you please say whether your household has any debts now apart from long-term loan/credits? Without instalments for credits/loans If NO --> GO TO P45 1036 1 Yes 2 No 9 Don't know P44B. Comparing to your total monthly household income, approximately how much mo P44B. Comparing to your total monthly household income, approximately how much mo P44B. Comparing to your total monthly household income, approximately how much mo P44B. Comparing to your total monthly household income, approximately how much mo P44B. Comparing to your total monthly household income, approximately how much mo If Yes in P44A ask: Comparing to your total monthly household income, approximately how much money is allocated to the repayment of debts apart from long-term loans? Without loan instalments 116 920 1 Less than the monthly income 2 approx. 1-2 monthly incomes 3 approx. 2-3 4 approx. 4-6 5 approx. 7-12 monthly incomes 6 More than the annual income 9 Don’t know Sysmiss P45. Let’s assume that in addition to your regular income your family receives 25 P45. Let’s assume that in addition to your regular income your family receives 25 P45. Let’s assume that in addition to your regular income your family receives 25 P45. Let’s assume that in addition to your regular income your family receives 25 P45. Let’s assume that in addition to your regular income your family receives 25 Let's assume that in addition to your regular income your family receives 25,000 KM, or approximately 12,500 Euro. What would you most likely do with this money? I'll spend it on the purchase of household goods (furniture, clothes, home electronic appliances, etc.) I'll try to add money (through borrowing, e.g.) and buy a plot of land, a car, etc. I'll make long-term savings to accumulate money for more expensive things (a house, apartment, expensive car, etc.) I'll make reserves (for unexpected event, special events, for a rainy day, etc.) Choose maximum 3 answers 1036 1 I’ll spend it on the purchase of household goods 2 I’ll try to add money (through borrowing, e.g.) and buy ... 3 I’ll make long-term savings to accumulate money for more ... 4 I’ll make reserves (for unexpected event, special events,... 5 I’ll repay my earlier debts.. 6 I’ll spend it on entertainment, on travel or vacation. 7 I’ll spend it on education and development of my children. 8 I’ll spend it on upgrade of my skills or training for a ... 9 I’ll spend it on my medical treatment and that of my ... 10 I’ll invest it in my own business. 11 I’ll buy an insurance policy for myself or the family, ... 12 I’ll buy gold, jewels and the like 13 I’ll invest it in the bank deposit at an interest rate 14 I’ll buy shares and other stock of Bosnian companies, ... 15 Other 16 Construction' 17 Education 18 Agricultural machines 19 I would give to humanitarian aid 20 I'd give to friends and relatives 21 I'd bought the position 99 Don’t know P45. Let’s assume that in addition to your regular income your family receives 25 P45. Let’s assume that in addition to your regular income your family receives 25 P45. Let’s assume that in addition to your regular income your family receives 25 P45. Let’s assume that in addition to your regular income your family receives 25 P45. Let’s assume that in addition to your regular income your family receives 25 Let's assume that in addition to your regular income your family receives 25,000 KM, or approximately 12,500 Euro. What would you most likely do with this money? I'll spend it on the purchase of household goods (furniture, clothes, home electronic appliances, etc.) I'll try to add money (through borrowing, e.g.) and buy a plot of land, a car, etc. I'll make long-term savings to accumulate money for more expensive things (a house, apartment, expensive car, etc.) I'll make reserves (for unexpected event, special events, for a rainy day, etc.) Choose maximum 3 answers 844 192 1 I’ll spend it on the purchase of household goods 2 I’ll try to add money (through borrowing, e.g.) and buy ... 3 I’ll make long-term savings to accumulate money for more ... 4 I’ll make reserves (for unexpected event, special events,... 5 I’ll repay my earlier debts.. 6 I’ll spend it on entertainment, on travel or vacation. 7 I’ll spend it on education and development of my children. 8 I’ll spend it on upgrade of my skills or training for a ... 9 I’ll spend it on my medical treatment and that of my ... 10 I’ll invest it in my own business. 11 I’ll buy an insurance policy for myself or the family, ... 12 I’ll buy gold, jewels and the like 13 I’ll invest it in the bank deposit at an interest rate 14 I’ll buy shares and other stock of Bosnian companies, ... 15 Other 16 Construction' 17 Education 18 Agricultural machines 19 I would give to humanitarian aid 20 I'd give to friends and relatives 21 I'd bought the position 99 Don’t know Sysmiss P45. Let’s assume that in addition to your regular income your family receives 25 P45. Let’s assume that in addition to your regular income your family receives 25 P45. Let’s assume that in addition to your regular income your family receives 25 P45. Let’s assume that in addition to your regular income your family receives 25 P45. Let’s assume that in addition to your regular income your family receives 25 Let's assume that in addition to your regular income your family receives 25,000 KM, or approximately 12,500 Euro. What would you most likely do with this money? I'll spend it on the purchase of household goods (furniture, clothes, home electronic appliances, etc.) I'll try to add money (through borrowing, e.g.) and buy a plot of land, a car, etc. I'll make long-term savings to accumulate money for more expensive things (a house, apartment, expensive car, etc.) I'll make reserves (for unexpected event, special events, for a rainy day, etc.) Choose maximum 3 answers 583 453 1 I’ll spend it on the purchase of household goods 2 I’ll try to add money (through borrowing, e.g.) and buy ... 3 I’ll make long-term savings to accumulate money for more ... 4 I’ll make reserves (for unexpected event, special events,... 5 I’ll repay my earlier debts.. 6 I’ll spend it on entertainment, on travel or vacation. 7 I’ll spend it on education and development of my children. 8 I’ll spend it on upgrade of my skills or training for a ... 9 I’ll spend it on my medical treatment and that of my ... 10 I’ll invest it in my own business. 11 I’ll buy an insurance policy for myself or the family, ... 12 I’ll buy gold, jewels and the like 13 I’ll invest it in the bank deposit at an interest rate 14 I’ll buy shares and other stock of Bosnian companies, ... 15 Other 16 Construction' 17 Education 18 Agricultural machines 19 I would give to humanitarian aid 20 I'd give to friends and relatives 21 I'd bought the position 99 Don’t know Sysmiss P46. Which of the following statements best describes your situation? P46. Which of the following statements best describes your situation? P46. Which of the following statements best describes your situation? P46. Which of the following statements best describes your situation? P46. Which of the following statements best describes your situation? Which of the following statements best describes your situation? 1. I try to save something and spend the rest of the money on the everyday needs 2. I spend money on the everyday needs and save the rest 3. I spend all the money on everyday needs and do not save anything 9. Don't know If household saves (codes 1 and 2 at P46) ask P46A and P46B, others to P47 1036 1 I try to save something and spend the rest of the money ... 2 I spend money on the everyday needs and save the rest 3 I spend all the money on everyday needs and do not ... 9 Don’t know P46A. Comparing to your total monthly household income, approximately how much ar P46A. Comparing to your total monthly household income, approximately how much ar P46A. Comparing to your total monthly household income, approximately how much ar P46A. Comparing to your total monthly household income, approximately how much ar P46A. Comparing to your total monthly household income, approximately how much ar Comparing to your total monthly household income, approximately how much are your savings? 471 565 1 Less than the monthly income 2 approx. 1-2 monthly incomes 3 approx. 2-3 4 approx. 4-6 5 approx. 7-12 monthly incomes 6 More than the annual income 9 Don’t know Sysmiss P46B. 1. What are the reasons to have made savings P46B. 1. What are the reasons to have made savings P46B. 1. What are the reasons to have made savings P46B. 1. What are the reasons to have made savings P46B. 1. What are the reasons to have made savings What are the reasons to have made savings? Multiple responses possible 471 565 1 For a rainy day, for unexpected expenses 2 For retirement 3 To leave something for children to inherit 4 To get income in the form of interest, increased market... 5 To increase my living standards in the future 6 I like saving rather than spending money 7 This is a family tradition 8 Other 9 Construction 10 Health treatment 11 Education 12 Vacation 13 Own business 99 Don’t know Sysmiss P46B. 2. What are the reasons to have made savings P46B. 2. What are the reasons to have made savings P46B. 2. What are the reasons to have made savings P46B. 2. What are the reasons to have made savings P46B. 2. What are the reasons to have made savings What are the reasons to have made savings? Multiple responses possible 193 843 1 For a rainy day, for unexpected expenses 2 For retirement 3 To leave something for children to inherit 4 To get income in the form of interest, increased market... 5 To increase my living standards in the future 6 I like saving rather than spending money 7 This is a family tradition 8 Other 9 Construction 10 Health treatment 11 Education 12 Vacation 13 Own business 99 Don’t know Sysmiss P46B. 3. What are the reasons to have made savings P46B. 3. What are the reasons to have made savings P46B. 3. What are the reasons to have made savings P46B. 3. What are the reasons to have made savings P46B. 3. What are the reasons to have made savings What are the reasons to have made savings? Multiple responses possible 63 973 1 For a rainy day, for unexpected expenses 2 For retirement 3 To leave something for children to inherit 4 To get income in the form of interest, increased market... 5 To increase my living standards in the future 6 I like saving rather than spending money 7 This is a family tradition 8 Other 9 Construction 10 Health treatment 11 Education 12 Vacation 13 Own business 99 Don’t know Sysmiss P46B. 4. What are the reasons to have made savings P46B. 4. What are the reasons to have made savings P46B. 4. What are the reasons to have made savings P46B. 4. What are the reasons to have made savings P46B. 4. What are the reasons to have made savings What are the reasons to have made savings? Multiple responses possible 9 1027 1 For a rainy day, for unexpected expenses 2 For retirement 3 To leave something for children to inherit 4 To get income in the form of interest, increased market... 5 To increase my living standards in the future 6 I like saving rather than spending money 7 This is a family tradition 8 Other 9 Construction 10 Health treatment 11 Education 12 Vacation 13 Own business 99 Don’t know Sysmiss P46B. 5. What are the reasons to have made savings P46B. 5. What are the reasons to have made savings P46B. 5. What are the reasons to have made savings P46B. 5. What are the reasons to have made savings P46B. 5. What are the reasons to have made savings What are the reasons to have made savings? Multiple responses possible 2 1034 1 For a rainy day, for unexpected expenses 2 For retirement 3 To leave something for children to inherit 4 To get income in the form of interest, increased market... 5 To increase my living standards in the future 6 I like saving rather than spending money 7 This is a family tradition 8 Other 9 Construction 10 Health treatment 11 Education 12 Vacation 13 Own business 99 Don’t know Sysmiss P46B. 6. What are the reasons to have made savings P46B. 6. What are the reasons to have made savings P46B. 6. What are the reasons to have made savings P46B. 6. What are the reasons to have made savings P46B. 6. What are the reasons to have made savings What are the reasons to have made savings? Multiple responses possible 1036 1 For a rainy day, for unexpected expenses 2 For retirement 3 To leave something for children to inherit 4 To get income in the form of interest, increased market... 5 To increase my living standards in the future 6 I like saving rather than spending money 7 This is a family tradition 8 Other 9 Construction 10 Health treatment 11 Education 12 Vacation 13 Own business 99 Don’t know Sysmiss P47.1.What are the reasons for not saving at all? P47.1.What are the reasons for not saving at all? P47.1.What are the reasons for not saving at all? P47.1.What are the reasons for not saving at all? P47.1.What are the reasons for not saving at all? What are the reasons? Multiple responses possible 553 483 1 I don’t trust financial institutions 2 I cannot do this because of a low income 3 I don’t see the point in making savings 5 I cannot resist the temptation to spend the money ... 8 Other 9 I have a loan 10 I CAN NOT BECAUSE OF TREATMENT 11 Because prices are rising 99 Don’t know Sysmiss P47.2.What are the reasons for not saving at all? P47.2.What are the reasons for not saving at all? P47.2.What are the reasons for not saving at all? P47.2.What are the reasons for not saving at all? P47.2.What are the reasons for not saving at all? What are the reasons? Multiple responses possible 15 1021 1 I don’t trust financial institutions 2 I cannot do this because of a low income 3 I don’t see the point in making savings 5 I cannot resist the temptation to spend the money ... 8 Other 9 I have a loan 10 I CAN NOT BECAUSE OF TREATMENT 11 Because prices are rising 99 Don’t know Sysmiss Age: (18-24) (35-34) (35-44) (45-54) (55-64) Age: (18-24) (35-34) (35-44) (45-54) (55-64) Age: (18-24) (35-34) (35-44) (45-54) (55-64) Age: (18-24) (35-34) (35-44) (45-54) (55-64) Age: (18-24) (35-34) (35-44) (45-54) (55-64) 1036 1 18-24 2 25-34 3 35-44 4 45-54 5 55-64 6 65+ Resp. 1. Sex Resp. 1. Sex Resp. 1. Sex Resp. 1. Sex Resp. 1. Sex Sex 1036 1 Male 2 Female Resp. 1. Age Resp. 1. Age Resp. 1. Age Resp. 1. Age Resp. 1. Age Age 1036 18 85 42.001 15.781 Resp. 1. Highest level of education achieved Resp. 1. Highest level of education achieved Resp. 1. Highest level of education achieved Resp. 1. Highest level of education achieved Resp. 1. Highest level of education achieved Highest level of education achieved 1036 1 no school or primary (1- 3 classes) 2 primary (4-7 classes) 3 primary school (all 8 classes) 4 one-year or two-year vocational school (reduced program) 5 three-year vocational school and apprentice 6 four-year vocational school and apprentice 7 High scool 8 post-secondary school, associate degree 9 college, academy, technical college 10 masters degree 11 doctoral studies 98 Don’t know/doesn’t want to respond Resp. 1. Main occupational status in the present Resp. 1. Main occupational status in the present Resp. 1. Main occupational status in the present Resp. 1. Main occupational status in the present Resp. 1. Main occupational status in the present Main occupational status in the present 1036 1 employee 2 other status of employed persons 3 business owner to 10 employees 4 business owner of 11-50 employees 5 business owner of 51-250 employees 6 business owner more than 250 employees 7 self-employed person in non-agricultural activities 8 self-employed person in agricultural activities 9 family helper 10 registered as unemployed 11 unregistered unemployed 12 retired - due to age 13 retired - other causes 14 pupil, student 15 housewife 16 person unable to work 17 another status of non working person Resp. 2. Sex Resp. 2. Sex Resp. 2. Sex Resp. 2. Sex Resp. 2. Sex Sex 912 124 1 Male 2 Female Sysmiss Resp. 2. Age Resp. 2. Age Resp. 2. Age Resp. 2. Age Resp. 2. Age Age 912 124 1 85 45.648 14.382 Resp. 2. Highest level of education achieved Resp. 2. Highest level of education achieved Resp. 2. Highest level of education achieved Resp. 2. Highest level of education achieved Resp. 2. Highest level of education achieved Highest level of education achieved 912 124 1 no school or primary (1- 3 classes) 2 primary (4-7 classes) 3 primary school (all 8 classes) 4 one-year or two-year vocational school (reduced program) 5 three-year vocational school and apprentice 6 four-year vocational school and apprentice 7 High scool 8 post-secondary school, associate degree 9 college, academy, technical college 10 masters degree 11 doctoral studies 98 Don’t know/doesn’t want to respond Sysmiss Resp. 2. Main occupational status in the present Resp. 2. Main occupational status in the present Resp. 2. Main occupational status in the present Resp. 2. Main occupational status in the present Resp. 2. Main occupational status in the present Main occupational status in the present 912 124 1 employee 2 other status of employed persons 3 business owner to 10 employees 4 business owner of 11-50 employees 5 business owner of 51-250 employees 6 business owner more than 250 employees 7 self-employed person in non-agricultural activities 8 self-employed person in agricultural activities 9 family helper 10 registered as unemployed 11 unregistered unemployed 12 retired - due to age 13 retired - other causes 14 pupil, student 15 housewife 16 person unable to work 17 another status of non working person 98 Sysmiss Resp. 3. Sex Resp. 3. Sex Resp. 3. Sex Resp. 3. Sex Resp. 3. Sex Sex 656 380 1 Male 2 Female Sysmiss Resp. 3. Age Resp. 3. Age Resp. 3. Age Resp. 3. Age Resp. 3. Age Age 656 380 1 86 31.666 19.033 Resp. 3. Highest level of education achieved Resp. 3. Highest level of education achieved Resp. 3. Highest level of education achieved Resp. 3. Highest level of education achieved Resp. 3. Highest level of education achieved Highest level of education achieved 656 380 1 no school or primary (1- 3 classes) 2 primary (4-7 classes) 3 primary school (all 8 classes) 4 one-year or two-year vocational school (reduced program) 5 three-year vocational school and apprentice 6 four-year vocational school and apprentice 7 High scool 8 post-secondary school, associate degree 9 college, academy, technical college 10 masters degree 11 doctoral studies 98 Don’t know/doesn’t want to respond 998 Sysmiss Resp. 3. Main occupational status in the present Resp. 3. Main occupational status in the present Resp. 3. Main occupational status in the present Resp. 3. Main occupational status in the present Resp. 3. Main occupational status in the present Main occupational status in the present 656 380 1 employee 2 other status of employed persons 3 business owner to 10 employees 4 business owner of 11-50 employees 5 business owner of 51-250 employees 6 business owner more than 250 employees 7 self-employed person in non-agricultural activities 8 self-employed person in agricultural activities 9 family helper 10 registered as unemployed 11 unregistered unemployed 12 retired - due to age 13 retired - other causes 14 pupil, student 15 housewife 16 person unable to work 17 another status of non working person 98 Sysmiss Resp. 4. Sex Resp. 4. Sex Resp. 4. Sex Resp. 4. Sex Resp. 4. Sex Sex 386 650 1 Male 2 Female Sysmiss Resp. 4. Age Resp. 4. Age Resp. 4. Age Resp. 4. Age Resp. 4. Age Age 386 650 1 77 22.702 15.641 Resp. 4. Highest level of education achieved Resp. 4. Highest level of education achieved Resp. 4. Highest level of education achieved Resp. 4. Highest level of education achieved Resp. 4. Highest level of education achieved Highest level of education achieved 386 650 1 no school or primary (1- 3 classes) 2 primary (4-7 classes) 3 primary school (all 8 classes) 4 one-year or two-year vocational school (reduced program) 5 three-year vocational school and apprentice 6 four-year vocational school and apprentice 7 High scool 8 post-secondary school, associate degree 9 college, academy, technical college 10 masters degree 11 doctoral studies 98 Don’t know/doesn’t want to respond 998 Sysmiss Resp. 4. Main occupational status in the present Resp. 4. Main occupational status in the present Resp. 4. Main occupational status in the present Resp. 4. Main occupational status in the present Resp. 4. Main occupational status in the present Main occupational status in the present 386 650 1 employee 2 other status of employed persons 3 business owner to 10 employees 4 business owner of 11-50 employees 5 business owner of 51-250 employees 6 business owner more than 250 employees 7 self-employed person in non-agricultural activities 8 self-employed person in agricultural activities 9 family helper 10 registered as unemployed 11 unregistered unemployed 12 retired - due to age 13 retired - other causes 14 pupil, student 15 housewife 16 person unable to work 17 another status of non working person 98 Sysmiss Resp. 5. Sex Resp. 5. Sex Resp. 5. Sex Resp. 5. Sex Resp. 5. Sex Sex 109 927 1 Male 2 Female Sysmiss Resp. 5. Age Resp. 5. Age Resp. 5. Age Resp. 5. Age Resp. 5. Age Age 109 927 1 85 19.954 18.711 Resp. 5. Highest level of education achieved Resp. 5. Highest level of education achieved Resp. 5. Highest level of education achieved Resp. 5. Highest level of education achieved Resp. 5. Highest level of education achieved Highest level of education achieved 109 927 1 no school or primary (1- 3 classes) 2 primary (4-7 classes) 3 primary school (all 8 classes) 4 one-year or two-year vocational school (reduced program) 5 three-year vocational school and apprentice 6 four-year vocational school and apprentice 7 High scool 8 post-secondary school, associate degree 9 college, academy, technical college 10 masters degree 11 doctoral studies 98 Don’t know/doesn’t want to respond Sysmiss Resp. 5. Main occupational status in the present Resp. 5. Main occupational status in the present Resp. 5. Main occupational status in the present Resp. 5. Main occupational status in the present Resp. 5. Main occupational status in the present Main occupational status in the present 109 927 1 employee 2 other status of employed persons 3 business owner to 10 employees 4 business owner of 11-50 employees 5 business owner of 51-250 employees 6 business owner more than 250 employees 7 self-employed person in non-agricultural activities 8 self-employed person in agricultural activities 9 family helper 10 registered as unemployed 11 unregistered unemployed 12 retired - due to age 13 retired - other causes 14 pupil, student 15 housewife 16 person unable to work 17 another status of non working person Sysmiss Resp. 6. Sex Resp. 6. Sex Resp. 6. Sex Resp. 6. Sex Resp. 6. Sex Sex 42 994 1 Male 2 Female Sysmiss Resp. 6. Age Resp. 6. Age Resp. 6. Age Resp. 6. Age Resp. 6. Age Age 42 994 1 80 16.929 22.631 Resp. 6. Highest level of education achieved Resp. 6. Highest level of education achieved Resp. 6. Highest level of education achieved Resp. 6. Highest level of education achieved Resp. 6. Highest level of education achieved Highest level of education achieved 42 994 1 no school or primary (1- 3 classes) 2 primary (4-7 classes) 3 primary school (all 8 classes) 4 one-year or two-year vocational school (reduced program) 5 three-year vocational school and apprentice 6 four-year vocational school and apprentice 7 High scool 8 post-secondary school, associate degree 9 college, academy, technical college 10 masters degree 11 doctoral studies 98 Don’t know/doesn’t want to respond Sysmiss Resp. 6. Main occupational status in the present Resp. 6. Main occupational status in the present Resp. 6. Main occupational status in the present Resp. 6. Main occupational status in the present Resp. 6. Main occupational status in the present Main occupational status in the present 42 994 1 employee 2 other status of employed persons 3 business owner to 10 employees 4 business owner of 11-50 employees 5 business owner of 51-250 employees 6 business owner more than 250 employees 7 self-employed person in non-agricultural activities 8 self-employed person in agricultural activities 9 family helper 10 registered as unemployed 11 unregistered unemployed 12 retired - due to age 13 retired - other causes 14 pupil, student 15 housewife 16 person unable to work 17 another status of non working person Sysmiss Resp. 7. Sex Resp. 7. Sex Resp. 7. Sex Resp. 7. Sex Resp. 7. Sex Sex 9 1027 1 Male 2 Female Sysmiss Resp. 7. Age Resp. 7. Age Resp. 7. Age Resp. 7. Age Resp. 7. Age 9 1027 1 2 3 8 14 20 Sysmiss Resp. 7. Highest level of education achieved Resp. 7. Highest level of education achieved Resp. 7. Highest level of education achieved Resp. 7. Highest level of education achieved Resp. 7. Highest level of education achieved Highest level of education achieved 9 1027 1 no school or primary (1- 3 classes) 2 primary (4-7 classes) 3 primary school (all 8 classes) 4 one-year or two-year vocational school (reduced program) 5 three-year vocational school and apprentice 6 four-year vocational school and apprentice 7 High scool 8 post-secondary school, associate degree 9 college, academy, technical college 10 masters degree 11 doctoral studies 98 Don’t know/doesn’t want to respond Sysmiss Resp. 7. Main occupational status in the present Resp. 7. Main occupational status in the present Resp. 7. Main occupational status in the present Resp. 7. Main occupational status in the present Resp. 7. Main occupational status in the present Main occupational status in the present 9 1027 1 employee 2 other status of employed persons 3 business owner to 10 employees 4 business owner of 11-50 employees 5 business owner of 51-250 employees 6 business owner more than 250 employees 7 self-employed person in non-agricultural activities 8 self-employed person in agricultural activities 9 family helper 10 registered as unemployed 11 unregistered unemployed 12 retired - due to age 13 retired - other causes 14 pupil, student 15 housewife 16 person unable to work 17 another status of non working person Sysmiss Person. 1. Main occupation of household member Person. 1. Main occupation of household member Person. 1. Main occupation of household member Person. 1. Main occupation of household member Person. 1. Main occupation of household member Main occupation FOR PERSONS WITH OCCUPATION ONLY To be completed only for the persons aged 15+, members of the household 442 594 1 managers, business owners, entrepreneurs, mayor,... 2 intellectual occupations 3 technicians or foremen 4 clerks: secretary, librarian, cashier etc. 5 workers in services and commerce 6 qualified farmers or self-employed in agriculture 7 craftsmen and maintenance mechanics 8 skilled workers and operators 9 unskilled workers in non-agricultural sectors 10 daily workers/black market workers in agriculture ... 11 daily workers/black market workers in non-agricultural ... 12 military – all ranks Sysmiss Person. 1. Main source of income Person. 1. Main source of income Person. 1. Main source of income Person. 1. Main source of income Person. 1. Main source of income Main source of income To be completed only for the persons aged 15+, members of the household 1036 no income 1 salary/ wages 3 income from self-employed authorized non-agricultural ... 4 daily paid or occasional incomes 5 old age pension 6 disability, illness, veteran pension 7 agricultural (CAP) pension 8 unemployment/redundancy benefit 9 scholarship 10 child allowance 11 the minimum guaranteed income, social allowance 12 other social transfers 13 money received from relatives who work 14 private transfers 15 income from investments, savings or proprieties 16 income from self-employment agricultural activities 17 other Person. 2. Main occupation of household member Person. 2. Main occupation of household member Person. 2. Main occupation of household member Person. 2. Main occupation of household member Person. 2. Main occupation of household member Main occupation FOR PERSONS WITH OCCUPATION ONLY To be completed only for the persons aged 15+, members of the household 451 585 1 managers, business owners, entrepreneurs, mayor,... 2 intellectual occupations 3 technicians or foremen 4 clerks: secretary, librarian, cashier etc. 5 workers in services and commerce 6 qualified farmers or self-employed in agriculture 7 craftsmen and maintenance mechanics 8 skilled workers and operators 9 unskilled workers in non-agricultural sectors 10 daily workers/black market workers in agriculture ... 11 daily workers/black market workers in non-agricultural ... 12 military – all ranks Sysmiss Person. 2. Main source of income Person. 2. Main source of income Person. 2. Main source of income Person. 2. Main source of income Person. 2. Main source of income Main source of income To be completed only for the persons aged 15+, members of the household 903 133 no income 1 salary/ wages 3 income from self-employed authorized non-agricultural ... 4 daily paid or occasional incomes 5 old age pension 6 disability, illness, veteran pension 7 agricultural (CAP) pension 8 unemployment/redundancy benefit 9 scholarship 10 child allowance 11 the minimum guaranteed income, social allowance 12 other social transfers 13 money received from relatives who work 14 private transfers 15 income from investments, savings or proprieties 16 income from self-employment agricultural activities 17 other Sysmiss Person. 3. Main occupation of household member Person. 3. Main occupation of household member Person. 3. Main occupation of household member Person. 3. Main occupation of household member Person. 3. Main occupation of household member Main occupation FOR PERSONS WITH OCCUPATION ONLY To be completed only for the persons aged 15+, members of the household 174 862 1 managers, business owners, entrepreneurs, mayor,... 2 intellectual occupations 3 technicians or foremen 4 clerks: secretary, librarian, cashier etc. 5 workers in services and commerce 6 qualified farmers or self-employed in agriculture 7 craftsmen and maintenance mechanics 8 skilled workers and operators 9 unskilled workers in non-agricultural sectors 10 daily workers/black market workers in agriculture ... 11 daily workers/black market workers in non-agricultural ... 12 military – all ranks Sysmiss Person. 3. Main source of income Person. 3. Main source of income Person. 3. Main source of income Person. 3. Main source of income Person. 3. Main source of income Main source of income To be completed only for the persons aged 15+, members of the household 521 515 no income 1 salary/ wages 3 income from self-employed authorized non-agricultural ... 4 daily paid or occasional incomes 5 old age pension 6 disability, illness, veteran pension 7 agricultural (CAP) pension 8 unemployment/redundancy benefit 9 scholarship 10 child allowance 11 the minimum guaranteed income, social allowance 12 other social transfers 13 money received from relatives who work 14 private transfers 15 income from investments, savings or proprieties 16 income from self-employment agricultural activities 17 other Sysmiss Person. 4. Main occupation of household member Person. 4. Main occupation of household member Person. 4. Main occupation of household member Person. 4. Main occupation of household member Person. 4. Main occupation of household member Main occupation FOR PERSONS WITH OCCUPATION ONLY To be completed only for the persons aged 15+, members of the household 74 962 1 managers, business owners, entrepreneurs, mayor,... 2 intellectual occupations 3 technicians or foremen 4 clerks: secretary, librarian, cashier etc. 5 workers in services and commerce 6 qualified farmers or self-employed in agriculture 7 craftsmen and maintenance mechanics 8 skilled workers and operators 9 unskilled workers in non-agricultural sectors 10 daily workers/black market workers in agriculture ... 11 daily workers/black market workers in non-agricultural ... 12 military – all ranks Sysmiss Person. 4. Main source of income Person. 4. Main source of income Person. 4. Main source of income Person. 4. Main source of income Person. 4. Main source of income Main source of income To be completed only for the persons aged 15+, members of the household 249 787 no income 1 salary/ wages 3 income from self-employed authorized non-agricultural ... 4 daily paid or occasional incomes 5 old age pension 6 disability, illness, veteran pension 7 agricultural (CAP) pension 8 unemployment/redundancy benefit 9 scholarship 10 child allowance 11 the minimum guaranteed income, social allowance 12 other social transfers 13 money received from relatives who work 14 private transfers 15 income from investments, savings or proprieties 16 income from self-employment agricultural activities 17 other Sysmiss Person. 5. Main occupation of household member Person. 5. Main occupation of household member Person. 5. Main occupation of household member Person. 5. Main occupation of household member Person. 5. Main occupation of household member Main occupation FOR PERSONS WITH OCCUPATION ONLY To be completed only for the persons aged 15+, members of the household 9 1027 1 managers, business owners, entrepreneurs, mayor,... 2 intellectual occupations 3 technicians or foremen 4 clerks: secretary, librarian, cashier etc. 5 workers in services and commerce 6 qualified farmers or self-employed in agriculture 7 craftsmen and maintenance mechanics 8 skilled workers and operators 9 unskilled workers in non-agricultural sectors 10 daily workers/black market workers in agriculture ... 11 daily workers/black market workers in non-agricultural ... 12 military – all ranks Sysmiss Person. 5. Main source of income Person. 5. Main source of income Person. 5. Main source of income Person. 5. Main source of income Person. 5. Main source of income Main source of income To be completed only for the persons aged 15+, members of the household 51 985 no income 1 salary/ wages 3 income from self-employed authorized non-agricultural ... 4 daily paid or occasional incomes 5 old age pension 6 disability, illness, veteran pension 7 agricultural (CAP) pension 8 unemployment/redundancy benefit 9 scholarship 10 child allowance 11 the minimum guaranteed income, social allowance 12 other social transfers 13 money received from relatives who work 14 private transfers 15 income from investments, savings or proprieties 16 income from self-employment agricultural activities 17 other Sysmiss Person. 6. Main occupation of household member Person. 6. Main occupation of household member Person. 6. Main occupation of household member Person. 6. Main occupation of household member Person. 6. Main occupation of household member Main occupation FOR PERSONS WITH OCCUPATION ONLY To be completed only for the persons aged 15+, members of the household 1 1035 1 managers, business owners, entrepreneurs, mayor,... 2 intellectual occupations 3 technicians or foremen 4 clerks: secretary, librarian, cashier etc. 5 workers in services and commerce 6 qualified farmers or self-employed in agriculture 7 craftsmen and maintenance mechanics 8 skilled workers and operators 9 unskilled workers in non-agricultural sectors 10 daily workers/black market workers in agriculture ... 11 daily workers/black market workers in non-agricultural ... 12 military – all ranks Sysmiss Person. 6. Main source of income Person. 6. Main source of income Person. 6. Main source of income Person. 6. Main source of income Person. 6. Main source of income Main source of income To be completed only for the persons aged 15+, members of the household 12 1024 no income 1 salary/ wages 3 income from self-employed authorized non-agricultural ... 4 daily paid or occasional incomes 5 old age pension 6 disability, illness, veteran pension 7 agricultural (CAP) pension 8 unemployment/redundancy benefit 9 scholarship 10 child allowance 11 the minimum guaranteed income, social allowance 12 other social transfers 13 money received from relatives who work 14 private transfers 15 income from investments, savings or proprieties 16 income from self-employment agricultural activities 17 other Sysmiss Person. 7. Main occupation of household member Person. 7. Main occupation of household member Person. 7. Main occupation of household member Person. 7. Main occupation of household member Person. 7. Main occupation of household member Main occupation FOR PERSONS WITH OCCUPATION ONLY To be completed only for the persons aged 15+, members of the household 1036 1 managers, business owners, entrepreneurs, mayor,... 2 intellectual occupations 3 technicians or foremen 4 clerks: secretary, librarian, cashier etc. 5 workers in services and commerce 6 qualified farmers or self-employed in agriculture 7 craftsmen and maintenance mechanics 8 skilled workers and operators 9 unskilled workers in non-agricultural sectors 10 daily workers/black market workers in agriculture ... 11 daily workers/black market workers in non-agricultural ... 12 military – all ranks Sysmiss Person. 7. Main source of income Person. 7. Main source of income Person. 7. Main source of income Person. 7. Main source of income Person. 7. Main source of income Main source of income To be completed only for the persons aged 15+, members of the household 1 1035 no income 1 salary/ wages 3 income from self-employed authorized non-agricultural ... 4 daily paid or occasional incomes 5 old age pension 6 disability, illness, veteran pension 7 agricultural (CAP) pension 8 unemployment/redundancy benefit 9 scholarship 10 child allowance 11 the minimum guaranteed income, social allowance 12 other social transfers 13 money received from relatives who work 14 private transfers 15 income from investments, savings or proprieties 16 income from self-employment agricultural activities 17 other Sysmiss Last month (January, 2011), the total amount received from salaries, pensions, ch Last month (January, 2011), the total amount received from salaries, pensions, ch Last month (January, 2011), the total amount received from salaries, pensions, ch Last month (January, 2011), the total amount received from salaries, pensions, ch Last month (January, 2011), the total amount received from salaries, pensions, ch Last month (January, 2011), the total amount received from salaries, pensions, child allowances, sales etc. by all household's members (including the respondent) was approximately... 1036 No income 1 5 8 Don’t know 9 No answer 100 120 140 142 150 160 170 180 200 248 250 260 280 290 295 296 297 300 305 308 309 310 315 317 320 340 341 350 355 360 370 390 395 400 409 420 450 470 500 520 550 600 610 630 640 650 660 680 696 700 750 800 850 870 895 900 939 950 1000 1035 1100 1196 1200 1250 1300 1350 1400 1500 1550 1600 1700 1750 1800 1900 1950 2000 2100 2250 2300 2500 2600 2800 3000 3050 3500 3700 3800 4000 4200 4500 5000 6500 And the total amount received by the respondent in KM was approximately And the total amount received by the respondent in KM was approximately And the total amount received by the respondent in KM was approximately And the total amount received by the respondent in KM was approximately And the total amount received by the respondent in KM was approximately And the total amount received by the respondent (CPERS=01) in KM was approximately… 1036 No income 1 8 Don’t know 9 No answer 45 48 49 50 98 100 120 140 150 160 170 180 200 220 240 250 260 270 280 290 295 296 297 299 300 305 308 310 315 317 320 340 341 350 370 380 390 395 400 409 420 430 450 470 480 500 520 550 580 600 630 650 660 680 700 750 800 850 900 950 1000 1100 1200 1300 1400 1500 1600 1700 1800 2000 2300 5000 SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 737 299 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 416 620 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 205 831 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 81 955 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 22 1014 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 3 1033 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 1036 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 619 417 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 332 704 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 130 906 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 40 996 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 11 1025 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 1036 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 259 777 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 101 935 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 32 1004 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 10 1026 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 2 1034 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 1036 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 122 914 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 48 988 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 14 1022 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 4 1032 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 1036 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 1036 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 20 1016 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 9 1027 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 6 1030 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 1036 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 1036 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 1036 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 2 1034 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 1036 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 1036 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 1036 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 1036 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 1036 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 1036 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 1036 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 1036 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 1036 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank SF1 - Which of listed financial services/products do you personally use in a bank What type of financial services do you use? Section C to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parents' line. 1036 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Investments in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations 13 Loans from usurers 14 Loans from relatives, friends, acquaintances. 15 Buying on credit from food shops 16 Buying on credit from the electrical appliances shops Sysmiss USF1a. What type of insurances policies do you have? Life insurance USF1a. What type of insurances policies do you have? Life insurance USF1a. What type of insurances policies do you have? Life insurance USF1a. What type of insurances policies do you have? Life insurance USF1a. What type of insurances policies do you have? Life insurance If the respondent has insurance policies What type of insurances policies do you have? Life insurance 316 720 1 Yes 2 No Sysmiss USF1b. What type of insurances policies do you have? Medical insurance USF1b. What type of insurances policies do you have? Medical insurance USF1b. What type of insurances policies do you have? Medical insurance USF1b. What type of insurances policies do you have? Medical insurance USF1b. What type of insurances policies do you have? Medical insurance If the respondent has insurance policies What type of insurances policies do you have? Medical insurance 316 720 1 Yes 2 No Sysmiss USF1c. What type of insurances policies do you have? Household insurance USF1c. What type of insurances policies do you have? Household insurance USF1c. What type of insurances policies do you have? Household insurance USF1c. What type of insurances policies do you have? Household insurance USF1c. What type of insurances policies do you have? Household insurance If the respondent has insurance policies What type of insurances policies do you have? Household insurance 316 720 1 Yes 2 No Sysmiss USF1d. What type of insurances policies do you have? Car insurance-CASCO USF1d. What type of insurances policies do you have? Car insurance-CASCO USF1d. What type of insurances policies do you have? Car insurance-CASCO USF1d. What type of insurances policies do you have? Car insurance-CASCO USF1d. What type of insurances policies do you have? Car insurance-CASCO If the respondent has insurance policies What type of insurances policies do you have? Car insurance-CASCO 316 720 1 Yes 2 No Sysmiss USF1e. What type of insurances policies do you have? Land/crop insurance USF1e. What type of insurances policies do you have? Land/crop insurance USF1e. What type of insurances policies do you have? Land/crop insurance USF1e. What type of insurances policies do you have? Land/crop insurance USF1e. What type of insurances policies do you have? Land/crop insurance If the respondent has insurance policies What type of insurances policies do you have? Land/crop insurance 316 720 1 Yes 2 No Sysmiss USF1f. What type of insurances policies do you have? Other... USF1f. What type of insurances policies do you have? Other... USF1f. What type of insurances policies do you have? Other... USF1f. What type of insurances policies do you have? Other... USF1f. What type of insurances policies do you have? Other... If the respondent has insurance policies What type of insurances policies do you have? Other... 316 720 1 Yes 2 No Sysmiss Other... (verbatim) Other... (verbatim) Other... (verbatim) Other... (verbatim) Other... (verbatim) If the respondent has insurance policies What type of insurances policies do you have? Other... 1036 Sysmiss USF2. Type of the financial institution – a bank or a micro-credit organization L USF2. Type of the financial institution – a bank or a micro-credit organization L USF2. Type of the financial institution – a bank or a micro-credit organization L USF2. Type of the financial institution – a bank or a micro-credit organization L USF2. Type of the financial institution – a bank or a micro-credit organization L If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12) Type of the financial institution - a bank or a micro-credit organization 194 842 1 bank 2 micro-credit organization 8 No answer Sysmiss USF3. Loan repayment period (no of months)? LOAN 1 USF3. Loan repayment period (no of months)? LOAN 1 USF3. Loan repayment period (no of months)? LOAN 1 USF3. Loan repayment period (no of months)? LOAN 1 USF3. Loan repayment period (no of months)? LOAN 1 If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12) Loan repayment period (no of months)? 194 842 1 4 6 9 10 12 15 18 24 26 27 36 48 50 60 64 80 84 120 134 150 180 181 998 No answer Sysmiss USF4. Is it a consumer or mortgage loan 1 USF4. Is it a consumer or mortgage loan 1 USF4. Is it a consumer or mortgage loan 1 USF4. Is it a consumer or mortgage loan 1 USF4. Is it a consumer or mortgage loan 1 If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12) Is it a consumer or mortgage loan 194 842 1 consumer 2 mortgage 8 No answer Sysmiss USF5. Is it a domestic or foreign currency loan 1 USF5. Is it a domestic or foreign currency loan 1 USF5. Is it a domestic or foreign currency loan 1 USF5. Is it a domestic or foreign currency loan 1 USF5. Is it a domestic or foreign currency loan 1 If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12) Is it a domestic or foreign currency loan 194 842 1 KM 2 foreign currency 8 No answer Sysmiss USF6. Is the interest rate fixed or variable? loan 1 USF6. Is the interest rate fixed or variable? loan 1 USF6. Is the interest rate fixed or variable? loan 1 USF6. Is the interest rate fixed or variable? loan 1 USF6. Is the interest rate fixed or variable? loan 1 If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12) Is the interest rate fixed or variable? 194 842 1 fixed 2 variable 8 No answer Sysmiss USF7. Are you currently behind with repayment of your installments? loan 1 USF7. Are you currently behind with repayment of your installments? loan 1 USF7. Are you currently behind with repayment of your installments? loan 1 USF7. Are you currently behind with repayment of your installments? loan 1 USF7. Are you currently behind with repayment of your installments? loan 1 If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12) Are you currently behind with repayment of your installments? 194 842 1 Yes 2 No 8 No answer Sysmiss USF8. Do you face difficulties with repayment of your loan instalments? Loan 1 USF8. Do you face difficulties with repayment of your loan instalments? Loan 1 USF8. Do you face difficulties with repayment of your loan instalments? Loan 1 USF8. Do you face difficulties with repayment of your loan instalments? Loan 1 USF8. Do you face difficulties with repayment of your loan instalments? Loan 1 If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12) Do you face difficulties with repayment of your loan instalments? 194 842 1 Yes 2 No 8 No answer Sysmiss USF2. Type of the financial institution – a bank or a micro-credit organization L USF2. Type of the financial institution – a bank or a micro-credit organization L USF2. Type of the financial institution – a bank or a micro-credit organization L USF2. Type of the financial institution – a bank or a micro-credit organization L USF2. Type of the financial institution – a bank or a micro-credit organization L If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12) Type of the financial institution - a bank or a micro-credit organization 194 842 1 bank 2 micro-credit organization 8 No answer Sysmiss USF3. Loan repayment period (no of months)? LOAN 2 USF3. Loan repayment period (no of months)? LOAN 2 USF3. Loan repayment period (no of months)? LOAN 2 USF3. Loan repayment period (no of months)? LOAN 2 USF3. Loan repayment period (no of months)? LOAN 2 If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12) Loan repayment period (no of months)? 18 1018 2 12 24 36 48 60 84 120 998 No answer Sysmiss USF4. Is it a consumer or mortgage loan 2 USF4. Is it a consumer or mortgage loan 2 USF4. Is it a consumer or mortgage loan 2 USF4. Is it a consumer or mortgage loan 2 USF4. Is it a consumer or mortgage loan 2 If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12) Is it a consumer or mortgage loan ? 18 1018 1 consumer 2 mortgage 8 No answer Sysmiss USF5. Is it a domestic or foreign currency loan 2 USF5. Is it a domestic or foreign currency loan 2 USF5. Is it a domestic or foreign currency loan 2 USF5. Is it a domestic or foreign currency loan 2 USF5. Is it a domestic or foreign currency loan 2 If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12) Is it a domestic or foreign currency loan ? 18 1018 1 KM 2 foreign currency 8 No answer Sysmiss USF6. Is the interest rate fixed or variable? loan 2 USF6. Is the interest rate fixed or variable? loan 2 USF6. Is the interest rate fixed or variable? loan 2 USF6. Is the interest rate fixed or variable? loan 2 USF6. Is the interest rate fixed or variable? loan 2 If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12) Is the interest rate fixed or variable? 18 1018 1 fixed 2 variable 8 No answer Sysmiss USF7. Are you currently behind with repayment of your installments? loan 2 USF7. Are you currently behind with repayment of your installments? loan 2 USF7. Are you currently behind with repayment of your installments? loan 2 USF7. Are you currently behind with repayment of your installments? loan 2 USF7. Are you currently behind with repayment of your installments? loan 2 If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12) Are you currently behind with repayment of your installments? 18 1018 1 Yes 2 No 8 No answer Sysmiss USF8. Do you face difficulties with repayment of your loan instalments? Loan 2 USF8. Do you face difficulties with repayment of your loan instalments? Loan 2 USF8. Do you face difficulties with repayment of your loan instalments? Loan 2 USF8. Do you face difficulties with repayment of your loan instalments? Loan 2 USF8. Do you face difficulties with repayment of your loan instalments? Loan 2 If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12) Do you face difficulties with repayment of your loan instalments? 18 1018 1 Yes 2 No 8 No answer Sysmiss USF2. Type of the financial institution – a bank or a micro-credit organization L USF2. Type of the financial institution – a bank or a micro-credit organization L USF2. Type of the financial institution – a bank or a micro-credit organization L USF2. Type of the financial institution – a bank or a micro-credit organization L USF2. Type of the financial institution – a bank or a micro-credit organization L If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12) Type of the financial institution - a bank or a micro-credit organization 18 1018 1 bank 2 micro-credit organization 8 No answer Sysmiss USF3. Loan repayment period (no of months)? LOAN 3 USF3. Loan repayment period (no of months)? LOAN 3 USF3. Loan repayment period (no of months)? LOAN 3 USF3. Loan repayment period (no of months)? LOAN 3 USF3. Loan repayment period (no of months)? LOAN 3 If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12) Loan repayment period (no of months)? 1 1035 24 998 No answer Sysmiss USF4. Is it a consumer or mortgage loan 3 USF4. Is it a consumer or mortgage loan 3 USF4. Is it a consumer or mortgage loan 3 USF4. Is it a consumer or mortgage loan 3 USF4. Is it a consumer or mortgage loan 3 If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12) Is it a consumer or mortgage loan ? 1 1035 1 consumer 2 mortgage 8 No answer Sysmiss USF5. Is it a domestic or foreign currency loan 3 USF5. Is it a domestic or foreign currency loan 3 USF5. Is it a domestic or foreign currency loan 3 USF5. Is it a domestic or foreign currency loan 3 USF5. Is it a domestic or foreign currency loan 3 If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12) Is it a domestic or foreign currency loan ? 1 1035 1 KM 2 foreign currency 8 No answer Sysmiss USF6. Is the interest rate fixed or variable? loan 3 USF6. Is the interest rate fixed or variable? loan 3 USF6. Is the interest rate fixed or variable? loan 3 USF6. Is the interest rate fixed or variable? loan 3 USF6. Is the interest rate fixed or variable? loan 3 If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12) Is the interest rate fixed or variable? 1 1035 1 fixed 2 variable 8 No answer Sysmiss USF7. Are you currently behind with repayment of your installments? loan 3 USF7. Are you currently behind with repayment of your installments? loan 3 USF7. Are you currently behind with repayment of your installments? loan 3 USF7. Are you currently behind with repayment of your installments? loan 3 USF7. Are you currently behind with repayment of your installments? loan 3 If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12) Are you currently behind with repayment of your installments? 1 1035 1 Yes 2 No 8 No answer Sysmiss USF8. Do you face difficulties with repayment of your loan instalments? Loan 3 USF8. Do you face difficulties with repayment of your loan instalments? Loan 3 USF8. Do you face difficulties with repayment of your loan instalments? Loan 3 USF8. Do you face difficulties with repayment of your loan instalments? Loan 3 USF8. Do you face difficulties with repayment of your loan instalments? Loan 3 If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12) Do you face difficulties with repayment of your loan instalments? 1 1035 1 Yes 2 No 8 No answer Sysmiss USF8. Did you happen to buy a financial service during the last five years with w USF8. Did you happen to buy a financial service during the last five years with w USF8. Did you happen to buy a financial service during the last five years with w USF8. Did you happen to buy a financial service during the last five years with w USF8. Did you happen to buy a financial service during the last five years with w If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12) Did you happen to buy a financial service during the last five years with which you were not satisfied later as the service did not meet your needs? 1036 1 Yes 2 No 7 Does not use any Financial Service 9 Don’t know USF8A. What kind of service was it? USF8A. What kind of service was it? USF8A. What kind of service was it? USF8A. What kind of service was it? USF8A. What kind of service was it? If Yes (code 1 at USF8) What kind of service was it? Multiple responses possible 43 993 1 A consumer loan 2 A mortgage loan 3 Current account 4 Bank deposit (savings) 5 A bank debit card 6 A credit card 7 An insurance policy 8 Investment in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations Sysmiss USF8A. What kind of service was it? USF8A. What kind of service was it? USF8A. What kind of service was it? USF8A. What kind of service was it? USF8A. What kind of service was it? If Yes (code 1 at USF8) What kind of service was it? Multiple responses possible 1 1035 1 A consumer loan 2 A mortgage loan 3 Current account 4 Bank deposit (savings) 5 A bank debit card 6 A credit card 7 An insurance policy 8 Investment in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations Sysmiss USF8A. What kind of service was it? USF8A. What kind of service was it? USF8A. What kind of service was it? USF8A. What kind of service was it? USF8A. What kind of service was it? If Yes (code 1 at USF8) What kind of service was it? Multiple responses possible 1036 1 A consumer loan 2 A mortgage loan 3 Current account 4 Bank deposit (savings) 5 A bank debit card 6 A credit card 7 An insurance policy 8 Investment in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations Sysmiss USF8A. What kind of service was it? USF8A. What kind of service was it? USF8A. What kind of service was it? USF8A. What kind of service was it? USF8A. What kind of service was it? If Yes (code 1 at USF8) What kind of service was it? Multiple responses possible 1036 1 A consumer loan 2 A mortgage loan 3 Current account 4 Bank deposit (savings) 5 A bank debit card 6 A credit card 7 An insurance policy 8 Investment in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations Sysmiss USF8A. What kind of service was it? USF8A. What kind of service was it? USF8A. What kind of service was it? USF8A. What kind of service was it? USF8A. What kind of service was it? If Yes (code 1 at USF8) What kind of service was it? Multiple responses possible 1036 1 A consumer loan 2 A mortgage loan 3 Current account 4 Bank deposit (savings) 5 A bank debit card 6 A credit card 7 An insurance policy 8 Investment in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations Sysmiss USF8A. What kind of service was it? USF8A. What kind of service was it? USF8A. What kind of service was it? USF8A. What kind of service was it? USF8A. What kind of service was it? If Yes (code 1 at USF8) What kind of service was it? Multiple responses possible 1036 1 A consumer loan 2 A mortgage loan 3 Current account 4 Bank deposit (savings) 5 A bank debit card 6 A credit card 7 An insurance policy 8 Investment in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations Sysmiss USF8A. What kind of service was it? USF8A. What kind of service was it? USF8A. What kind of service was it? USF8A. What kind of service was it? USF8A. What kind of service was it? If Yes (code 1 at USF8) What kind of service was it? Multiple responses possible 1036 1 A consumer loan 2 A mortgage loan 3 Current account 4 Bank deposit (savings) 5 A bank debit card 6 A credit card 7 An insurance policy 8 Investment in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations Sysmiss USF8A. What kind of service was it? USF8A. What kind of service was it? USF8A. What kind of service was it? USF8A. What kind of service was it? USF8A. What kind of service was it? If Yes (code 1 at USF8) What kind of service was it? Multiple responses possible 1036 1 A consumer loan 2 A mortgage loan 3 Current account 4 Bank deposit (savings) 5 A bank debit card 6 A credit card 7 An insurance policy 8 Investment in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations Sysmiss USF8A. What kind of service was it? USF8A. What kind of service was it? USF8A. What kind of service was it? USF8A. What kind of service was it? USF8A. What kind of service was it? If Yes (code 1 at USF8) What kind of service was it? Multiple responses possible 1036 1 A consumer loan 2 A mortgage loan 3 Current account 4 Bank deposit (savings) 5 A bank debit card 6 A credit card 7 An insurance policy 8 Investment in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations Sysmiss USF8A. What kind of service was it? USF8A. What kind of service was it? USF8A. What kind of service was it? USF8A. What kind of service was it? USF8A. What kind of service was it? If Yes (code 1 at USF8) What kind of service was it? Multiple responses possible 1036 1 A consumer loan 2 A mortgage loan 3 Current account 4 Bank deposit (savings) 5 A bank debit card 6 A credit card 7 An insurance policy 8 Investment in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations Sysmiss USF8A. What kind of service was it? USF8A. What kind of service was it? USF8A. What kind of service was it? USF8A. What kind of service was it? USF8A. What kind of service was it? If Yes (code 1 at USF8) What kind of service was it? Multiple responses possible 1036 1 A consumer loan 2 A mortgage loan 3 Current account 4 Bank deposit (savings) 5 A bank debit card 6 A credit card 7 An insurance policy 8 Investment in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations Sysmiss USF8A. What kind of service was it? USF8A. What kind of service was it? USF8A. What kind of service was it? USF8A. What kind of service was it? USF8A. What kind of service was it? If Yes (code 1 at USF8) What kind of service was it? Multiple responses possible 1036 1 A consumer loan 2 A mortgage loan 3 Current account 4 Bank deposit (savings) 5 A bank debit card 6 A credit card 7 An insurance policy 8 Investment in stocks 9 Investment funds 10 Vehicle/land loans 11 Pawning goods 12 Loans from microcredit organizations Sysmiss USF8B. What did you do after you discovered the problem? USF8B. What did you do after you discovered the problem? USF8B. What did you do after you discovered the problem? USF8B. What did you do after you discovered the problem? USF8B. What did you do after you discovered the problem? What did you do after you discovered the problem? Multiple responses possible 43 993 1 Nothing 2 I stopped using the service before the contract expired 3 I submitted a complaint to the company which sold me... 4 I submitted a complaint to the appropriate government... 5 Other 6 withdraw from loan 99 Don’t know, Don’t remember Sysmiss USF8B. What did you do after you discovered the problem? USF8B. What did you do after you discovered the problem? USF8B. What did you do after you discovered the problem? USF8B. What did you do after you discovered the problem? USF8B. What did you do after you discovered the problem? What did you do after you discovered the problem? Multiple responses possible 1036 1 Nothing 2 I stopped using the service before the contract expired 3 I submitted a complaint to the company which sold me... 4 I submitted a complaint to the appropriate government... 5 Other 6 withdraw from loan 99 Don’t know, Don’t remember Sysmiss USF8B. What did you do after you discovered the problem? USF8B. What did you do after you discovered the problem? USF8B. What did you do after you discovered the problem? USF8B. What did you do after you discovered the problem? USF8B. What did you do after you discovered the problem? What did you do after you discovered the problem? Multiple responses possible 1036 1 Nothing 2 I stopped using the service before the contract expired 3 I submitted a complaint to the company which sold me... 4 I submitted a complaint to the appropriate government... 5 Other 6 withdraw from loan 99 Don’t know, Don’t remember Sysmiss USF8B. What did you do after you discovered the problem? USF8B. What did you do after you discovered the problem? USF8B. What did you do after you discovered the problem? USF8B. What did you do after you discovered the problem? USF8B. What did you do after you discovered the problem? What did you do after you discovered the problem? Multiple responses possible 1036 1 Nothing 2 I stopped using the service before the contract expired 3 I submitted a complaint to the company which sold me... 4 I submitted a complaint to the appropriate government... 5 Other 6 withdraw from loan 99 Don’t know, Don’t remember Sysmiss USF8B. What did you do after you discovered the problem? USF8B. What did you do after you discovered the problem? USF8B. What did you do after you discovered the problem? USF8B. What did you do after you discovered the problem? USF8B. What did you do after you discovered the problem? What did you do after you discovered the problem? Multiple responses possible 1036 1 Nothing 2 I stopped using the service before the contract expired 3 I submitted a complaint to the company which sold me... 4 I submitted a complaint to the appropriate government... 5 Other 6 withdraw from loan 99 Don’t know, Don’t remember Sysmiss USF8B. What did you do after you discovered the problem? USF8B. What did you do after you discovered the problem? USF8B. What did you do after you discovered the problem? USF8B. What did you do after you discovered the problem? USF8B. What did you do after you discovered the problem? What did you do after you discovered the problem? Multiple responses possible 1036 1 Nothing 2 I stopped using the service before the contract expired 3 I submitted a complaint to the company which sold me... 4 I submitted a complaint to the appropriate government... 5 Other 6 withdraw from loan 99 Don’t know, Don’t remember Sysmiss VENSUB. Which of the descriptions comes closest to your households income nowaday VENSUB. Which of the descriptions comes closest to your households income nowaday VENSUB. Which of the descriptions comes closest to your households income nowaday VENSUB. Which of the descriptions comes closest to your households income nowaday VENSUB. Which of the descriptions comes closest to your households income nowaday Which of the descriptions comes closest to your household's income nowadays? 1036 1 We hardly make the ends meet. 2 We have enough money to buy food but buying clothes ... 3 We have enough money to buy food and clothes. But ... 4 We have no trouble buying durable goods, but purchase... 5 We can afford quite expensive things. 9 Don’t know UTILa. Car UTILa. Car UTILa. Car UTILa. Car UTILa. Car Does your household have...? Car 1036 1 Yes 2 No UTILb. Landline telephone UTILb. Landline telephone UTILb. Landline telephone UTILb. Landline telephone UTILb. Landline telephone Does your household have...? Landline telephone 1036 1 Yes 2 No UTILc. Computer (PC) UTILc. Computer (PC) UTILc. Computer (PC) UTILc. Computer (PC) UTILc. Computer (PC) Does your household have...? Computer (PC) 1036 1 Yes 2 No UTILd. Access to Internet UTILd. Access to Internet UTILd. Access to Internet UTILd. Access to Internet UTILd. Access to Internet Does your household have...? Access to Internet 1036 1 Yes 2 No LOC1. The dwelling is … LOC1. The dwelling is … LOC1. The dwelling is … LOC1. The dwelling is … LOC1. The dwelling is … The dwelling is … 1. in a central area of the village/town/city 2. in a peripheral area of the village/town/city 3. in other area of the village/town/city 1036 1 in a central area of the village/town/city 2 in a peripheral area of the village/town/city 3 in other area of the village/town/city LOC2. The dwelling is … LOC2. The dwelling is … LOC2. The dwelling is … LOC2. The dwelling is … LOC2. The dwelling is … The dwelling is … 1. in a good area 2. in a poor area 3. in a bad-famed area 4. in a rather good area 1036 1 in a good area 2 in a poor area 3 in a bad-famed area 4 in a rather good area D1.a. Did you travel abroad? D1.a. Did you travel abroad? D1.a. Did you travel abroad? D1.a. Did you travel abroad? D1.a. Did you travel abroad? After 2000 Did you travel abroad? 1036 1 Yes 2 No D1.b. Did you work abroad? D1.b. Did you work abroad? D1.b. Did you work abroad? D1.b. Did you work abroad? D1.b. Did you work abroad? After 2000 Did you work abroad? 1036 1 Yes 2 No D1.c. Did anyone else from your household work abroad? D1.c. Did anyone else from your household work abroad? D1.c. Did anyone else from your household work abroad? D1.c. Did anyone else from your household work abroad? D1.c. Did anyone else from your household work abroad? After 2000 Did anyone else from your household work abroad? 1036 1 Yes 2 No D2. After graduating did you take any other courses for specialization / requalif D2. After graduating did you take any other courses for specialization / requalif D2. After graduating did you take any other courses for specialization / requalif D2. After graduating did you take any other courses for specialization / requalif D2. After graduating did you take any other courses for specialization / requalif After graduating did you take any other courses for specialization / requalification? 1036 1 Yes 2 No 7 N/A (she/he is in school now) NAT. What is your ethnicity? NAT. What is your ethnicity? NAT. What is your ethnicity? NAT. What is your ethnicity? NAT. What is your ethnicity? What is your ethnicity? 1036 1 Bosniac 2 Croat 3 Serb 4 Other Interview end time Interview end time Interview end time Interview end time Interview end time Interview end time 1036 09:00:00 09:30:00 09:35:00 09:39:00 09:40:00 09:46:00 09:48:00 09:49:00 10:00:00 10:05:00 10:09:00 10:10:00 10:15:00 10:20:00 10:25:00 10:27:00 10:30:00 10:31:00 10:34:00 10:35:00 10:37:00 10:40:00 10:41:00 10:42:00 10:43:00 10:45:00 10:46:00 10:48:00 10:50:00 10:55:00 10:57:00 11:00:00 11:01:00 11:04:00 11:05:00 11:07:00 11:10:00 11:15:00 11:16:00 11:18:00 11:19:00 11:20:00 11:23:00 11:24:00 11:25:00 11:30:00 11:32:00 11:34:00 11:35:00 11:36:00 11:40:00 11:41:00 11:42:00 11:45:00 11:49:00 11:50:00 11:51:00 11:55:00 11:56:00 12:00:00 12:01:00 12:02:00 12:05:00 12:07:00 12:09:00 12:10:00 12:14:00 12:15:00 12:16:00 12:18:00 12:20:00 12:21:00 12:23:00 12:24:00 12:25:00 12:26:00 12:27:00 12:30:00 12:31:00 12:32:00 12:33:00 12:35:00 12:37:00 12:39:00 12:40:00 12:41:00 12:45:00 12:46:00 12:47:00 12:50:00 12:55:00 12:57:00 12:58:00 13:00:00 13:02:00 13:03:00 13:04:00 13:05:00 13:07:00 13:08:00 13:09:00 13:10:00 13:12:00 13:13:00 13:14:00 13:15:00 13:16:00 13:17:00 13:18:00 13:19:00 13:20:00 13:25:00 13:26:00 13:29:00 13:30:00 13:31:00 13:32:00 13:34:00 13:35:00 13:38:00 13:40:00 13:43:00 13:44:00 13:45:00 13:48:00 13:50:00 13:51:00 13:52:00 13:55:00 13:58:00 14:00:00 14:02:00 14:03:00 14:04:00 14:05:00 14:06:00 14:08:00 14:10:00 14:11:00 14:15:00 14:17:00 14:20:00 14:21:00 14:24:00 14:25:00 14:26:00 14:30:00 14:31:00 14:34:00 14:35:00 14:40:00 14:41:00 14:45:00 14:46:00 14:47:00 14:48:00 14:50:00 14:51:00 14:52:00 14:55:00 14:58:00 15:00:00 15:01:00 15:02:00 15:03:00 15:04:00 15:05:00 15:09:00 15:10:00 15:11:00 15:15:00 15:16:00 15:17:00 15:18:00 15:20:00 15:23:00 15:24:00 15:25:00 15:30:00 15:33:00 15:34:00 15:35:00 15:36:00 15:37:00 15:38:00 15:39:00 15:40:00 15:41:00 15:42:00 15:43:00 15:45:00 15:47:00 15:48:00 15:50:00 15:51:00 15:55:00 15:58:00 15:59:00 16:00:00 16:02:00 16:03:00 16:04:00 16:05:00 16:06:00 16:07:00 16:09:00 16:10:00 16:12:00 16:15:00 16:17:00 16:18:00 16:19:00 16:20:00 16:22:00 16:23:00 16:25:00 16:26:00 16:28:00 16:30:00 16:33:00 16:35:00 16:37:00 16:38:00 16:40:00 16:42:00 16:44:00 16:45:00 16:47:00 16:48:00 16:50:00 16:55:00 16:57:00 16:58:00 17:00:00 17:02:00 17:03:00 17:04:00 17:05:00 17:07:00 17:08:00 17:10:00 17:11:00 17:15:00 17:18:00 17:20:00 17:21:00 17:22:00 17:23:00 17:25:00 17:26:00 17:28:00 17:29:00 17:30:00 17:32:00 17:33:00 17:34:00 17:35:00 17:37:00 17:40:00 17:42:00 17:43:00 17:45:00 17:49:00 17:50:00 17:51:00 17:52:00 17:54:00 17:55:00 17:56:00 18:00:00 18:01:00 18:02:00 18:05:00 18:10:00 18:13:00 18:14:00 18:15:00 18:22:00 18:23:00 18:24:00 18:25:00 18:26:00 18:30:00 18:34:00 18:35:00 18:39:00 18:40:00 18:42:00 18:43:00 18:44:00 18:45:00 18:48:00 18:50:00 18:54:00 18:55:00 19:00:00 19:05:00 19:07:00 19:10:00 19:12:00 19:15:00 19:16:00 19:17:00 19:20:00 19:22:00 19:25:00 19:26:00 19:29:00 19:30:00 19:33:00 19:35:00 19:38:00 19:40:00 19:45:00 19:50:00 19:52:00 19:55:00 19:58:00 20:00:00 20:10:00 20:12:00 20:20:00 20:24:00 20:30:00 20:35:00 20:40:00 20:50:00 20:55:00 21:00:00 21:12:00 21:35:00 21:37:00 21:39:00 21:55:00 22:25:00 22:33:00