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Financial Literacy and Financial Services Survey 2010

Romania, 2010
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Reference ID
ROU_2010_FLS_v01_M
Producer(s)
Institute for World Economy (Romanian Academy)
Metadata
DDI/XML JSON
Created on
Dec 20, 2012
Last modified
Mar 29, 2019
Page views
11976
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  • Study Description
  • Data Dictionary
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  • Household_RO
  • Individual_RO

Data file: Household_RO

1. This file contains all the data from the questionnaire in addition to 9 descriptive variables on the respondent's locality.

2. The information on each individual in each household asked in Sections E and F are available just for the first respondent in the household in this file. All the other data on the other individuals in each household is available in the dataset entitled Individual_RO. See Section E and F of the questionnaire.

3. There are two responses to question AO7: 1) AO7_A and AO7_B. Although respondents were supposed to have only one answer, there appear to be two.

4. There are some variables that have additional responses not listed in the questionnaire. These are:
AO7_A and AO7_B - additional response is 6 or other
ISF8_97 - additional response is 97 or don't know
SF1 - SF6 - additional response is 19 or I don't use financial services

5. There is a variable that is in the questionnaire, but is currently not in the dataset. This variable is AO4.

6. The options of questions CSF2 contain a typo which has not been corrected in the final questionnaire and which significantly influenced the response pattern. Instead of "More than 18,000 lei", "Exactly 18,000 lei", "Less than 18,000 lei" the amount of "10,800" lei should have been mentioned. Every user, who is inclined to use the collected responses to this question CSF2 in any cross-country analysis, should be aware of this measurement error.

Cases: 2389
Variables: 310

Variables

Q_ID
Questionnaire_ID
RI
Interview result
RI_ALTA
Reponse to RI if respondent selected other
SIRSUP
Locality code
DENSUP
Locality
COD_SV
Code_voting section
TIP_ES
Sample type
NR_SV
Number_voting section
JUD
County_code
DENJUD
County
regist
regist
tiploc1
Stratum
med
Rural/urban
OPERATOR
Interview operator – name
DATA_INTERVIU
Interview date
ORAI
Starting hour interview
MINI
Starting minute interview
Q45
As a whole, how satisfied are you with your life nowadays?
Q46
How do you think your life is going to be over the next 12 months?
P1
How often do you read the national newspapers?
P1a
How often do you read the local newspapers?
P2
How often do you listen to the national radio stations?
P2a
How often do you listen to the local radio stations?
P3
How often do you watch the national TV programs?
P3a
How often do you watch the local TV programs?
PP6
Do you know how to use a computer?
P6
How often do you use the Internet?
T1
How much do you trust The National Bank of Romania?
T2
How much do you trust Romanian commercial banks
T3
How much do you trust Insurance companies
T4
How much do you trust Securities companies
T5
How much do you trust Mutual Help Associations
T6
How much do you trust Leasing companies?
T7
How much do you trust Pawn shops?
T8
How much do you trust Other, non-banking financial institutions as, Provident or
T9
How much do you trust The National Authority for the Consumer Protection ?
T10
How much do you trust Leul, the national currency ?
T11
How much do you trust The National House of Pensions?
T12
How much do you trust The Insurance Supervisory Commission?
T13
How much do you trust Private Pension System Supervisory Commission?
T14
How much do you trust Romanian National Securities Commission?
T15
How much do you trust The Competition Council?
AO1
Quality of the services offered by the Romanian Commercial banks is...?
AO2
Generally, the quality of the services offered by the Insurance companies is...?
AO3
Quality of the services offered by the Mutual Help Association is...?
AO6_A
Sure of the quick and just resolution of the dispute? In a short time?
AO6_B
Sure of the quick and just resolution of the dispute? Correctly?
AO7_A
Primary attention when somebody wants to take a credit? Response 1
AO7_A_alta
Response to AO7_A if respondent selected other
AO7_B
Primary attention when somebody wants to take a credit? Response 2
AO7_B_alta
Response to AO7_B if respondent selected other
AO8
If you considered taking a credit from a bank, what would you prefer?
AO9
When taking a credit from a bank, what would you give more importance to...?
AO10
When do you think buying on credit is justified?
AO10_ALTA
Response to AO10 if respondent selected other
ISF1_1a
Do you follow Changes in the property market?
ISF1_1b
Do you follow Changes of quotation and indices in the capital market?
ISF1_1c
Do you follow Changes of interest rates in deposits?
ISF1_1d
Do you follow Changes of interest rates on credits?
ISF1_1e
Do you follow Changes in the inflation rate?
ISF1_1f
Do you follow Changes in the level of public pensions, benefits and tax exemptio
ISF1_1g
Do you follow Price fluctutations for oil, gold, metals, etc.?
ISF1X
First source of information
ISF1Y
Second source of information
ISF2_1_a
Aware of fin. services activities of The National House of Pensions?
ISF2_1_b
Aware of fin. services activities of The Insurance Supervisory Commission?
ISF2_1_c
Aware of fin. services activities of The Private Pension System Supervisory Comm
ISF2_1_d
Aware of fin. services activities of The Romanian National Securities Commission
ISF2
Aware of fin. services activities of The National Authority for Consumer Protect
ISF2_1_e
Aware of fin. services activities of The Competition Council?
ISF3_a
Contact with bank officers or bankers?
ISF3_b
Contact with representatives of insurance companies/private pension fund?
ISF3_c
Contact with representatives of securities companies?
ISF3_d
Contact with independent financial advisers or brokers?
ISF3_e
Contact with representatives of a non-banking financial institution?
ISF3_f
Contact with pawn houses personnel?
ISF4
Often talk about financial institutions and services?
ISF5_1
Commercial bank should train
ISF5_2
Pension fund and/or insurance companies should train
ISF5_3
Unit Investment funds (management companies) should train
ISF5_4
NGOs./public orgs. involved in consumer rights protection should train
ISF5_5
Govt. entities regulating these markets should train
ISF5_6
Higher education institutions of eocnomic and fin. profile should train
ISF5_7
Independent financial consultants should train
ISF5_8
Mass media (Journalists and TV presenters) should train
ISF5_9
Others should train
ISF5_99
Don't know
ISF5_9_altele
Response to ISF5_9 if respondent selected other
ISF6_a
How to forms one's own financial targets and draw a personal plan?
ISF6_b
What not to do to get up to one's neck in debt using credits?
ISF6_c
How to plan purchases of durables and evaluate abilities to implement?
ISF6_d
How does the pension scheme work and how to secure one's old age income?
ISF6_e
Banking services - accounts, deposits?
ISF6_f
Consumer credits to purchase goods and services?
ISF6_g
Mortgage loans
ISF6_h
Insurance and insurance products?
ISF6_i
Private pension funds?
ISF6_j
Capital markets, stock and unit fund shares?
ISF6_k
Sources of info. on fin. services, how to interpret info., etc.?
ISF6_l
Parameters used to compare the services offered by banks and others?
ISF6_m
Consumer rights protection laws and what to do when they are violated?
ISF6_n
Info. user needs to pay attention to when signing contract with a bank?
ISF7
Often compare terms/conditions for provision of fin. services by companies befor
ISF8_1
Advertisements
ISF8_2
Info. materials of fin. companies on their tariffs and services
ISF8_3
Advice of consultants working for providers of a required service
ISF8_4
Recommendations of independent fin. consultants or brokers
ISF8_5
Analytical materials published in mass media
ISF8_6
Employer's advice
ISF8_7
Advice of friends and relatives
ISF8_8
Internet resources
ISF8_9
Other
ISF8_97
I dont use any financial service
ISF8_99
Don't know
ISF8_9_altele
Response to ISF8_9 if respondent selected other
CSF1
Do you consider yourself a financially literate person?
CSF2
10000 lei deposit in acct at 8% annual int. rate is how much in 2 years?
CSF3
10000 lei deposit in acct at 10% annual int. rate is how much in 5 years?
CSF4
10000 lei deposit in acct at 8% int. rate & 10% inflation buys?
CSF5
In 2012, Income doubles and consumer prices double, can you buy?
CSF6
1000 Lei TV, one discount is 150 lei and another is 10% off, which is better?
CSF7
10000 lei loan, equal monthly repayments in 1 year + 600 lei charge, int. rate?
CSF8
Romanian bank goes bankrupt, what is max insured by govt. for a citizen?
CSF9
Value of shares plummets due to fin. crisis, what losses are insured by govt.?
CSF10_1
The bank which went bankrupt
CSF10_2
Share of unit fund whose market value plunged
CSF10_3
Share of private company and values of shares dropped significantly
CSF10_4
Apartment prices dropped at moment one needs to sell them
CSF10_5
None of the above
CSF10_9
Don't know
GF1
In you family, do you have a financial plan and how to cover monthly exps?
GF2
Is your family used to keeping records of income and expenditures?
GF3a
Last 12 months, how often did your household remain with unspent money?
GF3b
Last 12 months, how often did your household remain without money?
GF3c
Last 12 months, how often did your household spend exactly what was earned?
GF3X_1
Unspent money - spent on consumer goods
GF3X_2
Unspent money - kept in cash
GF3X_3
Unspent money - deposit it and don't withdraw it
GF3X_4
Unspent money - invest it in capital market
GF3X_5
Unspent money - lend it to friends or relatives
GF3X_6
Unspent money - invest it in our own business
GF3X_7
Unspent money - invest it in gold and jewellery
GF3X_8
Unspent money - Other
GF3X_8_alta
Response to GF3X_8 if respondent selected other
GF3Y_1
When out of money - cut down expenses
GF3Y_2
When out of money - borrow from relatives/friends
GF3Y_3
When out of money - buy on credit from shops
GF3Y_4
When out of money - borrow from non-banking fin. institutions
GF3Y_5
When out of money - pawn jewellery or other goods
GF3Y_6
When out of money - spend our savings in lei
GF3Y_7
When out of money - exchange in lei savings in foreign currency
GF3Y_8
When out of money - use a credit card
GF3Y_9
When out of money - work extra hours or do additional jobs
GF3Y_10
When out of money - Other
GF3Y_10_altele
Response to GF3Y_10 if respondent selected other
GF4
Do you have friends that recently had fin. problems?
GF4_alta
Response to GF4 if respondent selected other
GF5
Household had a unexpected significant reduction of income in last 3 years?
GF5A_a
Lost income due to loss of employment due to economic crisis
GF5A_b
Lost income due to loss of employment due to accident/illness
GF5A_c
Lost income due to considerable reduction of salary/delay in payment
GF5A_d
Lost income due to breakup, separation or divorce
GF5A_e
Lost income due to retirement of the main breadwinner
GF5A_f
Lost income due to other
GF5A_f_alta
Response to GF5A_f if respondent selected other
GF5B_1
Made ends meet by cutting down expenses and saving
GF5B_2
Made ends meet by borrowing money from relatives/friends
GF5B_3
Made ends meet by buying on credit from shops
GF5B_4
Made ends meet by borrowing from non-banking fin. institutions
GF5B_5
Made ends meet by pawning jewellery or other goods
GF5B_6
Made ends meet by spending our savings in lei
GF5B_7
Made ends meet by exchanging in lei our savings in foreign currency
GF5B_8
Made ends meet by using a credit card
GF5B_9
Made ends meet by working extra hours or doing additional jobs
GF5B_10
Made ends meet by doing other
GF5B_10_alta
Response to GF5B_12 if respondent selected other
GF6
In last 12 months, has your household borrowed to pay back debts?
GF7
Would you please say whether you (your family) have (has) any debts now?
GF7A
Comparing to your household income, how approximately are your debts?
GF8_1
With extra money - spend it on the purchase if household goods
GF8_2
With extra money - use it to borrow and buy land/car
GF8_3
With extra money - make long-term savings to accumalate money to buy exp. things
GF8_4
With extra money - make reserves for unexpected event, etc.
GF8_5
With extra money - repay my earlier debts
GF8_6
With extra money - spend it on entertainment, on travel or vacation
GF8_7
With extra money - spend it on education and development of my children
GF8_8
With extra money - spend it on upgrade of my skills or training for a new job
GF8_9
With extra money - spend it on my medical treatment and that of my close family
GF8_10
With extra money - invest it in my own business
GF8_11
With extra money - buy an insurance policy/spend it on voluntary pension
GF8_12
With extra money - buy gold, jewels and the like
GF8_13
With extra money - invest it in a bank deposit at an interest rate
GF8_14
With extra money - buy shares and stock of Romanian companies/govt. bonds
GF8_15
With extra money - other
GF8_15_alta
Response to GF8_15 if respondent selected other
GF8_99
With extra money - don't know
GF9
How do you (does your family) usually manage your everyday revenues?
GF9A
Comparing to your household income, how approximately are your savings?
GF9B_1
Savings are for a rainy day, for unexpected expenses
GF9B_2
Savings are for retirement
GF9B_3
Savings are to be left for the children to inherit
GF9B_4
Savings are to get income in the form of interest,etc.
GF9B_5
Savings are to increase my living standards in the future
GF9B_6
Savings are because I like saving rather than spending money
GF9B_7
Savings are because it is family tradition
GF9B_8
Savings are for other reasons
GF9B_8_alta
Response to GF9B_8 if respondent selected other
GF9B_99
Don't know reasons for saving
GF10_1
Don't save as I don't trust financial institutions
GF10_2
Don't save as I have a low income
GF10_3
Don't save as I don't see the point in making savings
GF10_5
Don't save as I can't resist the temptation to spend money
GF10_8
Don't save as for other reasons
GF10_8_alta
Response to GF10_8 if respondent selected other
GF10_99
Don't save - don't know why
CPERS
Respondent code
SEX
Gender
AGE
Age
NAT
Nationality
NIVE
Highest level of education
STOCUPAN
Main occupational status in the present
OCP
Main occupation
VEN
Main source of income
VENG
Household income in april 2010
VENP
Respondent income in april 2010
SF1
Financial service 1
SF2
Financial service 2
SF3
Financial service 3
SF4
Financial service 4
SF5
Financial service 5
SF6
Financial service 6
USF1_a
What type of insurance policies do you have? - life insurance
USF1_b
What type of insurance policies do you have?- life insurance
USF1_c
What type of insurance policies do you have? - house insurance
USF1_d
What type of insurance policies do you have? - car insurance - CASCO
USF1_e
What type of insurance policies do you have? - terrains and/ or crop insurance
USF1_f
What type of insurance policies do you have? - Other
USF1_alta
Response to USF1_f if respondent selected other
USF2_1
Name of the bank or non-banking financial institution - loan 1
USF3_1
Loan reimbursement period (no of months) - loan 1
USF4_1
Loan type - loan 1
USF5_1
Currency - loan 1
USF6_1
Interest rate - loan 1
USF7_1
Now, do you have any delays in paying your loan rates - loan 1
USF8_1
Do you face any difficulties paying the loan rates - loan 1
USF2_2
Name of the bank or non-banking financial institution - loan 2
USF3_2
Loan reimbursement period (no of months) - loan 2
USF4_2
Loan type - loan 2
USF5_2
Currency - loan 2
USF6_2
Interest rate - loan 2
USF7_2
Now, do you have any delays in paying your loan rates - loan 2
USF8_2
Do you face any difficulties paying the loan rates - loan 2
USF2_3
Name of the bank or non-banking financial institution - loan 3
USF3_3
Loan reimbursement period (no of months) - loan 3
USF4_3
Loan type - loan 3
USF5_3
Currency - loan 3
USF6_3
Interest rate - loan 3
USF7_3
Now, do you have any delays in paying your loan rates - loan 3
USF8_3
Do you face any difficulties paying the loan rates - loan 3
USF8
In last 5 years, did you buy a financial service which you regretted?
USF8A_1
Service - A consumer loan
USF8A_2
Service - A mortgage loan
USF8A_3
Service - A current account
USF8A_4
Service - A Bank deposit
USF8A_5
Service - A Bank debit card
USF8A_6
Service - A Bank credit card
USF8A_7
Service - An insurance policy
USF8A_8
Service - Private pensions
USF8A_9
Service - Investment in shares
USF8A_10
Service - Investment funds
USF8A_11
Service - Loans from Mutual Help Associations
USF8A_12
Service - A car/terrain loan
USF8A_13
Service - Pawning goods
USF8A_14
Service - Loans from non-banking financial institutions
USF8A_15
Service - Loans from usurers
USF8A_16
Service - Loans from relatives/friends
USF8A_17
Service - Buying on credit (pe caiet) from food shops
USF8A_18
Service - Buying on credit from electrical applicance shops
USF8B_1
When found problem, did nothing
USF8B_2
When found problem, stopped using service before contract expired
USF8B_3
When found problem, submitted a greivance to the company
USF8B_4
When found problem, submitted claim to appropriate govt. authority
USF8B_5
When found problem, did other actions
USF8B_5_alta
Response to USF8B_5 if respondent selected other
USF8B_99
When found problem, don't know/don't remember what I did
VENSUB
Description that best matched your household's income nowadays
UTIL_a
Do you (your family) have - Car
UTIL_b
Do you (your family) have - Landline telephone
UTIL_c
Do you (your family) have - Computer (PC)
UTIL_d
Do you (your family) have - Access to Internet
LOC1
The dwelling is …
LOC2
The dwelling is …
D1_a
After 2000 - Did you travel abroad?
D1_b
After 2000 - Did you work abroad?
D1_c
After 2000 - Did anyone else from your household work abroad?
D2
After graduating did you take any other courses for specialization/requalificati
D3_1
Other language speak well - Romanian
D3_2
Other language speak well- Hungarian
D3_3
Other language speak well - Romani
D3_4
Other language speak well - German
Total: 310
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