DDI_AZE_2009_FLS_v01_M_WB World Bank 2012-04-27 NADA Financial Literacy Survey 2009 FLS 2009 AZE_2009_FLS_v01_M Azerbaijan Micro-finance Association (AMFA) NADA Central Bank of the Republic of Azerbaijan World Bank Swiss SECO Other Household Survey [hh/oth] Financial services sector, like other economic sectors of Azerbaijan, has been characterized with fast development rate. Banking, insurance and post services hold leading positions among those services. Individuals are one of the major consumers of those services. Thus, more than 3.6 million people already use payment cards and about 500,000 people take consumer credits. Increase of financial literacy and better protection of consumer rights contribute to more efficient access of population to financial services. First of all, current status of financial literacy of population should be studied and problems revealed, to this end. Increase of financial literacy and better protection of consumer rights became more urgent issues over the last decade. Fast integration of Azerbaijan into the world economy made it necessary to study those issues and implement appropriate measures in the country. In view of the above mentioned facts, the Central Bank of the Republic of Azerbaijan, World Bank and SECO decided to carry out a financial literacy research of the population. The main objective of that project was to conduct a "Financial Literacy Survey", create a Single Database and prepare a Report reflecting outcomes of the survey. Azerbaijan The survey covered Baku (including 11 administrative districts), Ganja, Sumgait, Shirvan, Khirdalan, Sheki, Lankaran, Yevlakh, Nakhchivan, Guba, Gusar, Aghsu, Bilesuvar, Berde, Tovuz, Masalli cities, 2 settlements and 37 villages (see: table 1.1 of the survey report). 54% of survey participants live in urban (Baku- 23%) and 46% in rural areas. This is a similar pattern to the national demographic status. Household, individual The survey was carried out among people above 18 years old (18 also included) (except for those not capable of being interviewed) with the latest birthday date within a year. Sample survey data [ssd] Management of household's income and expenditures, mathematic financial literacy of population, the level of awareness and use of financial services, as well as current status of consumer rights have been studied within the survey. Results of the research can be used as a baseline for financial literacy and awareness of the population. Definition of sampling frame and scale 1200 respondents were defined as a sample frame in 8 economic regions (2 economic regions of the country are under occupation) and Baku city. The main reason for conducting the survey among 1200 respondents is to ensure representativeness and financial feasibility of the project. Urban and rural ratio was set at 54% and 46% in line with statistic indicators. For detailed information see Table 1.1 of the survey report. Preparation of the survey plan and implementation of survey sampling Sampling was carried out at 2 stages: i) at the first stage, it was conducted while taking into account distribution of population by capital city, other urban and rural areas and economic regions with preliminary sampling units being street and villages (each preliminary sampling unit includes 15 respondents); ii) At the second stage, streets within the sampled cities and villages within economic regions were randomly selected. For example, according to results of the first stage of the sampling, a survey should be carried out among 45 respondents in Guba region and 15 respondents should be selected in urban areas and 30 respondents in rural areas. In view of the fact that primary sampling unit consists 15 respondents, 1 street within Guba town or its settlements and 2 villages among rural areas should be randomly selected. Face-to-face [f2f] The questionnaire was prepared based on the analogical questionnaire used in Russia and submitted by the Central Bank. The questionnaire was translated into Azerbaijani language, questions were adjusted to the country context, irrelevant questions were removed and new ones introduced. Meetings were arranged with representatives of the Central Bank and other relevant organizations, as well as their comments were discussed through e-mail during the preparation period of the questionnaire. The final version of the questionnaire was consisted of 65 questions and mainly covered such issues as registration of household's income and expenditures, financial awareness, financial literacy on basic calculations, violation of consumer rights during the use of financial services, access to financials services, payments cards and socio-demographic status of respondents. The questionnaire was prepared in Azerbaijani language and then, translated into English. * Preparation of instructions for supervisors and interviewers Instructions for supervisors explain rules on acceptance of questionnaires from site specialists, coordination with interviewers, control over site works, acceptance of questionnaires from interviewers, examination of questionnaires and their distribution to site specialists on the survey. Instructions for interviewers explain rules on accepting questionnaires from supervisors, conducting surveys with respondents, filling in questionnaires, checking questionnaires together with supervisors, distributing questionnaires to supervisors, as well as polite treatment, re-conduct of survey, abolishment or return of spoiled questionnaires, continuation of survey at the next day in case of non-completion of the survey and focal points in case of emergency situations. * Development of training materials and delivery of trainings for supervisors and interviewers A survey team consisted of 3 professional supervisors and 12 interviewers was selected and got through training courses. Training was organized for and all rules explained to interviewers a day before. After that, a one-day joint training course was arranged for both supervisors and interviewers. The training covered following subjects: i) review and application of experience on conduct of surveys; ii) discussion of goals and objectives of the survey; iii) presentation of survey methodology; iv) conduct of interviews with respondents, explanation of interview means and reply to relevant questions; v) explanation of instructions for supervisors and interviewers; vi) implementation of pilot surveys within the group or tests among participants (group includes: one participant in the capacity of respondent, one participant in the capacity of interviewer and one participant in the capacity of supervisor and vice-versa). Trainings were hold in Baku city on November 18-19. * Conducting a pilot survey Interviewers and supervisors conducted a pilot survey at the end of the training session. Each interviewer and supervisor conducted 1-2 surveys among randomly selected households. About 27 households were surveyed in Baku city. Objectives of preliminary tests were to reveal following facts: - Questions were listed in a relevant order with sensitive questions coming at the end of the questionnaire; - Questions are clearly understood by respondents and interviewers; - Each question covers not multiple, but one issue; - Questions are relevant for almost all respondents; - Possibility for giving comprehensive answers to all questions and exceptions for just a number of questions or their shift to other categories; - No extra efforts are required for giving answers to questions; - Questions can be answered as accurately as possible. Results of the pilot survey contributed to the creation of a database and correction of the text of the questionnaire. * Printing and distribution of questionnaires and other materials Upon completion of a pilot survey, questionnaires and instructions were printed and distributed to supervisors and interviewers by survey site specialists. * Conduct of survey and collection of data (field work) The survey conducted through face-to-face interviews at households (household means dwellers using the same budget and living at the same house) in the period of November 21 and December 10, 2009. The survey was carried out among people above 18 years old (18 also included) (except for those not capable of being interviewed) with the latest birthday date within a year. The aim of using that method was to ensure age and gender ratio balance. All answers were recorded in a standard questionnaire. The survey was conducted in Azerbaijani language. Each interview lasted for about 35 minutes. The interviewer conducted surveys at every house out of three. In case, a household member with the latest birthday date within a year was not at home or rejected to the survey, the interviewer surveyed the next house. If it was impossible to conduct a survey among 15 respondents in the selected street or village, the interviewer continued a survey in the nearest street or village, accordingly. It should be noted that such kind of cases happened very rarely. Abstinence cases amounted to 19%. 21 questionnaires (1,7% of all respondents) with complicated answers were abolished and new survey was conducted. Supervisors controlled quality of interviews. They checked quality and completeness of questionnaires. Moreover, supervisors made control visits (5% of respondents for each supervisor), conducted randomly selected interviews, met with respondents and prepared a relevant check-up report. After the check-up process, supervisors submitted questionnaires to the survey site manager. The survey site manager also made site visits and examined 5% of the interviews. Recruitment of independent monitoring specialist: Quality of interviews was also checked by an independent monitoring specialist. Independent monitoring specialist randomly selected 10% (120) of respondents covering all regions, checked them up through telephone calls and made site visits in case of necessity. Thus, 20% of interviews were checked by supervisors, survey site specialist and independent monitoring specialist through surveys of randomly selected households or telephone calls. Check-up process revealed 21 questionnaires (1,7% of all respondents) with complicated answers. They were abolished and new surveys were conducted. All these measures contributed to the completion of check-up reports and quality of the survey. Entering and cleaning data, and creation of a Single Database An operator entered and analyzed data through relevant software (SPSS). All questionnaires were coded during the entering process of data. An database specialist undertook additional control and regulation works to clean data. A Single Database was checked through preliminary analysis after major logic examination. A Single Database was created at SPSS software based on questions of the questionnaire. Answers given by 1207 respondents were entered into the Single Database. 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. Azerbaijan_financialLiteracy 1207 154 Control_number Control_number Control_number Control_number Control_number 1207 1 1207 604 348.575 Economical region Economical region Economical region Economical region Economical region 1207 1 Baku 2 Absheron 3 Guba-Khachmaz 4 Daglig-Shirvan 5 Sheki-Zagatala 6 Aran 7 Nakchcivan 8 Ganja-Gazakh 9 Lenkeran Region Region Region Region Region 1207 1 Baku 2 Absheron 3 Sumgayit 4 Gusar 5 Guba 6 Agsu 7 Sheki 8 Lenkeran 9 Lerik 10 Masally 11 Bilasuvar 12 Shirvan 13 Ujar 14 Yevlakh 15 Barda 16 Nakchivan 17 Ganja 18 Tovuz 19 Goygol Sity_village Sity_village Sity_village Sity_village Sity_village 1207 1 Capital 2 Other urban 3 Village q.1 Does your family keep records of income and expenditures? q.1 Does your family keep records of income and expenditures? q.1 Does your family keep records of income and expenditures? q.1 Does your family keep records of income and expenditures? q.1 Does your family keep records of income and expenditures? Does your family keep records of income and expenditures? 1207 1 Yes, we keep records of everything ent-g all revenu and exp 2 Yes, we keep records of everyt-g, but not all reven and exp 3 Don’t keep records, but we know monthly money infl. and outf 4 Don’t keep records and don’t know monthly mon. infl and outf 98 I find it difficult to answer this question q.2 How often during the last year you (your family) had any money unspent from q.2 How often during the last year you (your family) had any money unspent from q.2 How often during the last year you (your family) had any money unspent from q.2 How often during the last year you (your family) had any money unspent from q.2 How often during the last year you (your family) had any money unspent from How often during the last year you (your family) had any money unspent from previous earnings before new revenues arrived (wages, pension, scholarship, benefits and etc.)? 1207 1 Always 2 Very often 3 Sometimes 4 Very rarely 5 Never 98 I find it difficult to answer this question q.3 Choice 1: If you (your family) have/has any money left right before the next q.3 Choice 1: If you (your family) have/has any money left right before the next q.3 Choice 1: If you (your family) have/has any money left right before the next q.3 Choice 1: If you (your family) have/has any money left right before the next q.3 Choice 1: If you (your family) have/has any money left right before the next If you (your family) have/has any money left right before the next revenue arrives, what would you usually do with it? (Multiple choices is possible) 1207 1 We spend it on consumer goods 2 We keep it in cash 3 We deposit it or do not withdraw it from the account 4 We invest it in the capital market 5   We lend it to friends or relatives 6 We invest it in our own business 7 We invest it in gold and jewelry 10 For wedding and funeral events 18 Construction / repear house 25 Medical treatment/medicine 26 Loans repayment 28 We don’t have any money saved 30 Tuition payment 31 To send children in baku 36 For charity activities 98 I find it diffcult to answer this question 99 No answer q.3 Choice 2: If you (your family) have/has any money left right before the next q.3 Choice 2: If you (your family) have/has any money left right before the next q.3 Choice 2: If you (your family) have/has any money left right before the next q.3 Choice 2: If you (your family) have/has any money left right before the next q.3 Choice 2: If you (your family) have/has any money left right before the next If you (your family) have/has any money left right before the next revenue arrives, what would you usually do with it? (Multiple choices is possible) 238 969 1 We spend it on consumer goods 2 We keep it in cash 3 We deposit it or do not withdraw it from the account 4 We invest it in the capital market 5   We lend it to friends or relatives 6 We invest it in our own business 7 We invest it in gold and jewelry 10 For wedding and funeral events 18 Construction / repear house 25 Medical treatment/medicine 26 Loans repayment 28 We don’t have any money saved 30 Tuition payment 31 To send children in baku 36 For charity activities 98 I find it diffcult to answer this question 99 No answer Sysmiss q.3 Choice 3: If you (your family) have/has any money left right before the next q.3 Choice 3: If you (your family) have/has any money left right before the next q.3 Choice 3: If you (your family) have/has any money left right before the next q.3 Choice 3: If you (your family) have/has any money left right before the next q.3 Choice 3: If you (your family) have/has any money left right before the next If you (your family) have/has any money left right before the next revenue arrives, what would you usually do with it? (Multiple choices is possible) 25 1182 1 We spend it on consumer goods 2 We keep it in cash 3 We deposit it or do not withdraw it from the account 4 We invest it in the capital market 5   We lend it to friends or relatives 6 We invest it in our own business 7 We invest it in gold and jewelry 10 For wedding and funeral events 18 Construction / repear house 25 Medical treatment/medicine 26 Loans repayment 28 We don’t have any money saved 30 Tuition payment 31 To send children in baku 36 For charity activities 98 I find it diffcult to answer this question 99 No answer Sysmiss q.3 Choice 4: If you (your family) have/has any money left right before the next q.3 Choice 4: If you (your family) have/has any money left right before the next q.3 Choice 4: If you (your family) have/has any money left right before the next q.3 Choice 4: If you (your family) have/has any money left right before the next q.3 Choice 4: If you (your family) have/has any money left right before the next If you (your family) have/has any money left right before the next revenue arrives, what would you usually do with it? (Multiple choices is possible) 1 1206 1 We spend it on consumer goods 2 We keep it in cash 3 We deposit it or do not withdraw it from the account 4 We invest it in the capital market 5   We lend it to friends or relatives 6 We invest it in our own business 7 We invest it in gold and jewelry 10 For wedding and funeral events 18 Construction / repear house 25 Medical treatment/medicine 26 Loans repayment 28 We don’t have any money saved 30 Tuition payment 31 To send children in baku 36 For charity activities 98 I find it diffcult to answer this question 99 No answer Sysmiss q.4 How often during the last year did you/family run out of money from previous q.4 How often during the last year did you/family run out of money from previous q.4 How often during the last year did you/family run out of money from previous q.4 How often during the last year did you/family run out of money from previous q.4 How often during the last year did you/family run out of money from previous How often during the last year did you/family run out of money from previous earnings before the new money arrived? 1207 1 Always 2 Very often 3 Sometimes 4 Very rarely 5 Never 98 I find it difficult to answer this question q.5 Choice 1: What do you usually do when you (your family) run(s) out of money q.5 Choice 1: What do you usually do when you (your family) run(s) out of money q.5 Choice 1: What do you usually do when you (your family) run(s) out of money q.5 Choice 1: What do you usually do when you (your family) run(s) out of money q.5 Choice 1: What do you usually do when you (your family) run(s) out of money What do you usually do when you (your family) run(s) out of money before the next income arrives? (Multiple choices is possible) 1207 1 We cut down expenses and save 2 We borrow money from relatives, friends and acquaintances 3 We spend our savings 4 We use a credit card 5 We sell our securities/share 6 We borrow cash on bank credit 7 Our friends and relatives give us money free of charge 8 We work extra hours or do additional jobs 9 We withdraw a required amount from our business 10 To take some part of salary in advance 13 Borrow from shops 15 To take goods on later payment 17 We sell poultry 22 To leave on agriculture production 23 No relevant 28 We sell livestock 29 We sell agriculture production 30 We borrow money with interest rate 98 I find it difficult to answer this question 99 No answer q.5 Choice 1: What do you usually do when you (your family) run(s) out of money q.5 Choice 1: What do you usually do when you (your family) run(s) out of money q.5 Choice 1: What do you usually do when you (your family) run(s) out of money q.5 Choice 1: What do you usually do when you (your family) run(s) out of money q.5 Choice 1: What do you usually do when you (your family) run(s) out of money What do you usually do when you (your family) run(s) out of money before the next income arrives? (Multiple choices is possible) 714 493 1 We cut down expenses and save 2 We borrow money from relatives, friends and acquaintances 3 We spend our savings 4 We use a credit card 5 We sell our securities/share 6 We borrow cash on bank credit 7 Our friends and relatives give us money free of charge 8 We work extra hours or do additional jobs 9 We withdraw a required amount from our business 10 To take some part of salary in advance 13 Borrow from shops 15 To take goods on later payment 17 We sell poultry 22 To leave on agriculture production 23 No relevant 28 We sell livestock 29 We sell agriculture production 30 We borrow money with interest rate 98 I find it difficult to answer this question 99 No answer Sysmiss q.5 Choice 3: What do you usually do when you (your family) run(s) out of money q.5 Choice 3: What do you usually do when you (your family) run(s) out of money q.5 Choice 3: What do you usually do when you (your family) run(s) out of money q.5 Choice 3: What do you usually do when you (your family) run(s) out of money q.5 Choice 3: What do you usually do when you (your family) run(s) out of money What do you usually do when you (your family) run(s) out of money before the next income arrives? (Multiple choices is possible) 150 1057 1 We cut down expenses and save 2 We borrow money from relatives, friends and acquaintances 3 We spend our savings 4 We use a credit card 5 We sell our securities/share 6 We borrow cash on bank credit 7 Our friends and relatives give us money free of charge 8 We work extra hours or do additional jobs 9 We withdraw a required amount from our business 10 To take some part of salary in advance 13 Borrow from shops 15 To take goods on later payment 17 We sell poultry 22 To leave on agriculture production 23 No relevant 28 We sell livestock 29 We sell agriculture production 30 We borrow money with interest rate 98 I find it difficult to answer this question 99 No answer Sysmiss q.5 Choice 4: What do you usually do when you (your family) run(s) out of money q.5 Choice 4: What do you usually do when you (your family) run(s) out of money q.5 Choice 4: What do you usually do when you (your family) run(s) out of money q.5 Choice 4: What do you usually do when you (your family) run(s) out of money q.5 Choice 4: What do you usually do when you (your family) run(s) out of money What do you usually do when you (your family) run(s) out of money before the next income arrives? (Multiple choices is possible) 14 1193 1 We cut down expenses and save 2 We borrow money from relatives, friends and acquaintances 3 We spend our savings 4 We use a credit card 5 We sell our securities/share 6 We borrow cash on bank credit 7 Our friends and relatives give us money free of charge 8 We work extra hours or do additional jobs 9 We withdraw a required amount from our business 10 To take some part of salary in advance 13 Borrow from shops 15 To take goods on later payment 17 We sell poultry 22 To leave on agriculture production 23 No relevant 28 We sell livestock 29 We sell agriculture production 30 We borrow money with interest rate 98 I find it difficult to answer this question 99 No answer Sysmiss q.5 Choice 5: What do you usually do when you (your family) run(s) out of money q.5 Choice 5: What do you usually do when you (your family) run(s) out of money q.5 Choice 5: What do you usually do when you (your family) run(s) out of money q.5 Choice 5: What do you usually do when you (your family) run(s) out of money q.5 Choice 5: What do you usually do when you (your family) run(s) out of money What do you usually do when you (your family) run(s) out of money before the next income arrives? (Multiple choices is possible) 1 1206 1 We cut down expenses and save 2 We borrow money from relatives, friends and acquaintances 3 We spend our savings 4 We use a credit card 5 We sell our securities/share 6 We borrow cash on bank credit 7 Our friends and relatives give us money free of charge 8 We work extra hours or do additional jobs 9 We withdraw a required amount from our business 10 To take some part of salary in advance 13 Borrow from shops 15 To take goods on later payment 17 We sell poultry 22 To leave on agriculture production 23 No relevant 28 We sell livestock 29 We sell agriculture production 30 We borrow money with interest rate 98 I find it difficult to answer this question 99 No answer Sysmiss q.6 Choice 1: Did you (your family) experience a significant reduction of income q.6 Choice 1: Did you (your family) experience a significant reduction of income q.6 Choice 1: Did you (your family) experience a significant reduction of income q.6 Choice 1: Did you (your family) experience a significant reduction of income q.6 Choice 1: Did you (your family) experience a significant reduction of income Did you (your family) experience a significant reduction of income over the last three years, and if so, then what was the reason? (Multiple choices is possible) 1207 1 No, our income was not reduced significantly 2 Yes, due to the loss of a job because of different reasons 3 Yes, due to the loss of a job by a breadwinner 4 Yes, due to the sign. reduc. of salary, or delays salary 5 Yes,due to the drop inc. resulting from separat. or divorce 6 Yes, due to the reduction of investment income 7 Yes, due to retirement of the breadwinner 8 Yes, due to another reason. (didn't say) 9 Infilation 17 Business went bankrupt 18 Economic crisis 29 Social assistance/ allowance suspendend 34 Productivity of agriculture production is decrease 36 Due to dead of breadwinner 98 I find it difficult to answer this question q.6 Choice 2: Did you (your family) experience a significant reduction of income q.6 Choice 2: Did you (your family) experience a significant reduction of income q.6 Choice 2: Did you (your family) experience a significant reduction of income q.6 Choice 2: Did you (your family) experience a significant reduction of income q.6 Choice 2: Did you (your family) experience a significant reduction of income Did you (your family) experience a significant reduction of income over the last three years, and if so, then what was the reason? (Multiple choices is possible) 45 1162 1 No, our income was not reduced significantly 2 Yes, due to the loss of a job because of different reasons 3 Yes, due to the loss of a job by a breadwinner 4 Yes, due to the sign. reduc. of salary, or delays salary 5 Yes,due to the drop inc. resulting from separat. or divorce 6 Yes, due to the reduction of investment income 7 Yes, due to retirement of the breadwinner 8 Yes, due to another reason. (didn't say) 9 Infilation 17 Business went bankrupt 18 Economic crisis 29 Social assistance/ allowance suspendend 34 Productivity of agriculture production is decrease 36 Due to dead of breadwinner 98 I find it difficult to answer this question Sysmiss q.7 Would you please say whether you (your family) borrowed debts for some reaso q.7 Would you please say whether you (your family) borrowed debts for some reaso q.7 Would you please say whether you (your family) borrowed debts for some reaso q.7 Would you please say whether you (your family) borrowed debts for some reaso q.7 Would you please say whether you (your family) borrowed debts for some reaso Would you please say whether you (your family) borrowed debts for some reason over the last year? 1207 1 Always 2 Very often 3 Sometimes 4 Very rarely 5 Never 98 I find it difficult to answer this question q.8 Would you please say whether you (your family) have (has) any debts now? q.8 Would you please say whether you (your family) have (has) any debts now? q.8 Would you please say whether you (your family) have (has) any debts now? q.8 Would you please say whether you (your family) have (has) any debts now? q.8 Would you please say whether you (your family) have (has) any debts now? Would you please say whether you (your family) have (has) any debts now? If no or find it difficult to answer the question --> Shift to the 10th question 1207 1 Yes, we have debts 2 No, we don’t have any debts 98 I find it difficult to answer this question q.9 What is your total debt excluding any loans for purchase of an apartment, or q.9 What is your total debt excluding any loans for purchase of an apartment, or q.9 What is your total debt excluding any loans for purchase of an apartment, or q.9 What is your total debt excluding any loans for purchase of an apartment, or q.9 What is your total debt excluding any loans for purchase of an apartment, or What is your total debt excluding any loans for purchase of an apartment, or dacha, or car secured on property out of your entire debt amount (total debt minus the loan for purchase of the apartment, dacha or car secured on property? 574 633 1 Less than one monthly income 2 From 1 to 2 monthly incomes 3 From 2 to 3 monthly incomes 4 From 3 to 6 monthly incomes 5 From 6 to 12 monthly incomes 6 More than yearly income 98 I find it difficult to answer this question 99 No answer Sysmiss q.10 Choice 1: Please tell us whether there are such families among your acquain q.10 Choice 1: Please tell us whether there are such families among your acquain q.10 Choice 1: Please tell us whether there are such families among your acquain q.10 Choice 1: Please tell us whether there are such families among your acquain q.10 Choice 1: Please tell us whether there are such families among your acquain 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? (Multiple choices is possible) 1207 1 Financial troubles due to unfortunate events 2 Ffinancial troub. due to mismanagement or lack of finan plan 3 No such families 7 Cheated 10 Burn of house 13 Economic crisis 14 Close of work place 16 Business bankruptcy 98 I find it difficult to answer this question q.10 Choice 2: Please tell us whether there are such families among your acquain q.10 Choice 2: Please tell us whether there are such families among your acquain q.10 Choice 2: Please tell us whether there are such families among your acquain q.10 Choice 2: Please tell us whether there are such families among your acquain q.10 Choice 2: Please tell us whether there are such families among your acquain 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? (Multiple choices is possible) 27 1180 1 Financial troubles due to unfortunate events 2 Ffinancial troub. due to mismanagement or lack of finan plan 3 No such families 7 Cheated 10 Burn of house 13 Economic crisis 14 Close of work place 16 Business bankruptcy 98 I find it difficult to answer this question Sysmiss q.11 If a citizen has a deposit in an Azerbaijani bank and this bank becomes ban q.11 If a citizen has a deposit in an Azerbaijani bank and this bank becomes ban q.11 If a citizen has a deposit in an Azerbaijani bank and this bank becomes ban q.11 If a citizen has a deposit in an Azerbaijani bank and this bank becomes ban q.11 If a citizen has a deposit in an Azerbaijani bank and this bank becomes ban If a citizen has a deposit in an Azerbaijani bank and this bank becomes bankrupt, do you know what maximum level of a deposit is entirely insured by the government? 1207 1 0 manats 2 1000 manats 3 4000 manats 4 30000 manats 5 50000 manats 6 No limits –insures all bank deposits in their full amount 98 I find it difficult to answer this question q.12 Choice 1: There are different opinions now of the way the government could q.12 Choice 1: There are different opinions now of the way the government could q.12 Choice 1: There are different opinions now of the way the government could q.12 Choice 1: There are different opinions now of the way the government could q.12 Choice 1: There are different opinions now of the way the government could There are different opinions now of the way the government could compensate individuals for the damages from losses in the financial market investments. What do you think about it? Do you think it is appropriate for the government to compensate individuals for the losses in the following cases? (Multiple choices is possible) 1207 1 The bank which went bankrupt 2 Shares of priv. comp. and the value of shares dropped sign. 3 Apartm or dac and their price dropped when need to sell them 4 None of the above 5 Very bad material welfare 6 During natural disaster 98 I find it difficult to answer this question q.12 Choice 2: There are different opinions now of the way the government could q.12 Choice 2: There are different opinions now of the way the government could q.12 Choice 2: There are different opinions now of the way the government could q.12 Choice 2: There are different opinions now of the way the government could q.12 Choice 2: There are different opinions now of the way the government could There are different opinions now of the way the government could compensate individuals for the damages from losses in the financial market investments. What do you think about it? Do you think it is appropriate for the government to compensate individuals for the losses in the following cases? (Multiple choices is possible) 163 1044 1 The bank which went bankrupt 2 Shares of priv. comp. and the value of shares dropped sign. 3 Apartm or dac and their price dropped when need to sell them 4 None of the above 5 Very bad material welfare 6 During natural disaster 98 I find it difficult to answer this question Sysmiss q.12 Choice 3: There are different opinions now of the way the government could q.12 Choice 3: There are different opinions now of the way the government could q.12 Choice 3: There are different opinions now of the way the government could q.12 Choice 3: There are different opinions now of the way the government could q.12 Choice 3: There are different opinions now of the way the government could There are different opinions now of the way the government could compensate individuals for the damages from losses in the financial market investments. What do you think about it? Do you think it is appropriate for the government to compensate individuals for the losses in the following cases? (Multiple choices is possible) 40 1167 1 The bank which went bankrupt 2 Shares of priv. comp. and the value of shares dropped sign. 3 Apartm or dac and their price dropped when need to sell them 4 None of the above 5 Very bad material welfare 6 During natural disaster 98 I find it difficult to answer this question Sysmiss q. 13 According to the current legislation of Azerbaijan, who sets period, annua q. 13 According to the current legislation of Azerbaijan, who sets period, annua q. 13 According to the current legislation of Azerbaijan, who sets period, annua q. 13 According to the current legislation of Azerbaijan, who sets period, annua q. 13 According to the current legislation of Azerbaijan, who sets period, annua According to the current legislation of Azerbaijan, who sets period, annual interest rate, commission fees and other terms when granting a bank credit? 1207 1 Government authorities 2 Central Bank 3 Relevant banks 4 By contracts based on mutual agreement 98 I find it difficult to answer this question 99 No answer q.14 Which phrase out of the ones given below describes best your individual lif q.14 Which phrase out of the ones given below describes best your individual lif q.14 Which phrase out of the ones given below describes best your individual lif q.14 Which phrase out of the ones given below describes best your individual lif q.14 Which phrase out of the ones given below describes best your individual lif Which phrase out of the ones given below describes best your individual life insurance situation? 1207 1 My life is already insured for the required amount 2 My life is insured at less amount necessary 3 I need to insure my life but it is too expensive 4 I’m not sure in repayment insuran. com. in case of my death 5 I don’t need life insurance actually 98 I find it difficult to answer this question 99 No answer q.15 Choice 1: Which tendencies from the ones given below do you follow personal q.15 Choice 1: Which tendencies from the ones given below do you follow personal q.15 Choice 1: Which tendencies from the ones given below do you follow personal q.15 Choice 1: Which tendencies from the ones given below do you follow personal q.15 Choice 1: Which tendencies from the ones given below do you follow personal Which tendencies from the ones given below do you follow personally? (Multiple choices is possible) 1207 1 Changes in the property market 2 Changes of quotations and indices in the capital market 3 Changes of interest rates on deposits 4 Changes of interest rates on credits 5 Changes in the inflation rate 6 Changes in the level of public pens, benef and tax exemption 7 Price fluctuations for oil, gold, metals, etc. 8 I don’t watch any trends 98 I find it difficult to answer this question q.15 Choice 2: Which tendencies from the ones given below do you follow personal q.15 Choice 2: Which tendencies from the ones given below do you follow personal q.15 Choice 2: Which tendencies from the ones given below do you follow personal q.15 Choice 2: Which tendencies from the ones given below do you follow personal q.15 Choice 2: Which tendencies from the ones given below do you follow personal Which tendencies from the ones given below do you follow personally? (Multiple choices is possible) 722 485 1 Changes in the property market 2 Changes of quotations and indices in the capital market 3 Changes of interest rates on deposits 4 Changes of interest rates on credits 5 Changes in the inflation rate 6 Changes in the level of public pens, benef and tax exemption 7 Price fluctuations for oil, gold, metals, etc. 8 I don’t watch any trends 98 I find it difficult to answer this question Sysmiss q.15 Choice 3: Which tendencies from the ones given below do you follow personal q.15 Choice 3: Which tendencies from the ones given below do you follow personal q.15 Choice 3: Which tendencies from the ones given below do you follow personal q.15 Choice 3: Which tendencies from the ones given below do you follow personal q.15 Choice 3: Which tendencies from the ones given below do you follow personal Which tendencies from the ones given below do you follow personally? (Multiple choices is possible) 417 790 1 Changes in the property market 2 Changes of quotations and indices in the capital market 3 Changes of interest rates on deposits 4 Changes of interest rates on credits 5 Changes in the inflation rate 6 Changes in the level of public pens, benef and tax exemption 7 Price fluctuations for oil, gold, metals, etc. 8 I don’t watch any trends 98 I find it difficult to answer this question Sysmiss q.15 Choice 4: Which tendencies from the ones given below do you follow personal q.15 Choice 4: Which tendencies from the ones given below do you follow personal q.15 Choice 4: Which tendencies from the ones given below do you follow personal q.15 Choice 4: Which tendencies from the ones given below do you follow personal q.15 Choice 4: Which tendencies from the ones given below do you follow personal Which tendencies from the ones given below do you follow personally? (Multiple choices is possible) 171 1036 1 Changes in the property market 2 Changes of quotations and indices in the capital market 3 Changes of interest rates on deposits 4 Changes of interest rates on credits 5 Changes in the inflation rate 6 Changes in the level of public pens, benef and tax exemption 7 Price fluctuations for oil, gold, metals, etc. 8 I don’t watch any trends 98 I find it difficult to answer this question Sysmiss q.15 Choice 5: Which tendencies from the ones given below do you follow personal q.15 Choice 5: Which tendencies from the ones given below do you follow personal q.15 Choice 5: Which tendencies from the ones given below do you follow personal q.15 Choice 5: Which tendencies from the ones given below do you follow personal q.15 Choice 5: Which tendencies from the ones given below do you follow personal Which tendencies from the ones given below do you follow personally? (Multiple choices is possible) 87 1120 1 Changes in the property market 2 Changes of quotations and indices in the capital market 3 Changes of interest rates on deposits 4 Changes of interest rates on credits 5 Changes in the inflation rate 6 Changes in the level of public pens, benef and tax exemption 7 Price fluctuations for oil, gold, metals, etc. 8 I don’t watch any trends 98 I find it difficult to answer this question Sysmiss q.15 Choice 6: Which tendencies from the ones given below do you follow personal q.15 Choice 6: Which tendencies from the ones given below do you follow personal q.15 Choice 6: Which tendencies from the ones given below do you follow personal q.15 Choice 6: Which tendencies from the ones given below do you follow personal q.15 Choice 6: Which tendencies from the ones given below do you follow personal Which tendencies from the ones given below do you follow personally? (Multiple choices is possible) 42 1165 1 Changes in the property market 2 Changes of quotations and indices in the capital market 3 Changes of interest rates on deposits 4 Changes of interest rates on credits 5 Changes in the inflation rate 6 Changes in the level of public pens, benef and tax exemption 7 Price fluctuations for oil, gold, metals, etc. 8 I don’t watch any trends 98 I find it difficult to answer this question Sysmiss q.15 Choice 7: Which tendencies from the ones given below do you follow personal q.15 Choice 7: Which tendencies from the ones given below do you follow personal q.15 Choice 7: Which tendencies from the ones given below do you follow personal q.15 Choice 7: Which tendencies from the ones given below do you follow personal q.15 Choice 7: Which tendencies from the ones given below do you follow personal Which tendencies from the ones given below do you follow personally? (Multiple choices is possible) 31 1176 1 Changes in the property market 2 Changes of quotations and indices in the capital market 3 Changes of interest rates on deposits 4 Changes of interest rates on credits 5 Changes in the inflation rate 6 Changes in the level of public pens, benef and tax exemption 7 Price fluctuations for oil, gold, metals, etc. 8 I don’t watch any trends 98 I find it difficult to answer this question Sysmiss q.16 Choice 1: What sources do you use to get information about the above tenden q.16 Choice 1: What sources do you use to get information about the above tenden q.16 Choice 1: What sources do you use to get information about the above tenden q.16 Choice 1: What sources do you use to get information about the above tenden q.16 Choice 1: What sources do you use to get information about the above tenden What sources do you use to get information about the above tendencies? (Multiple choices is possible) 859 348 1 Advertising/Announcement 2 Newspapers, magazines, TV prog specializing on finan issues 3 Specialized web sites 4 During personal visit or by phone 5 Independent financial consultants or brokers 6 Friends and acquaintances 9 University 98 I find it difficult to answer this question Sysmiss q.16 Choice 2: What sources do you use to get information about the above tenden q.16 Choice 2: What sources do you use to get information about the above tenden q.16 Choice 2: What sources do you use to get information about the above tenden q.16 Choice 2: What sources do you use to get information about the above tenden q.16 Choice 2: What sources do you use to get information about the above tenden What sources do you use to get information about the above tendencies? (Multiple choices is possible) 419 788 1 Advertising/Announcement 2 Newspapers, magazines, TV prog specializing on finan issues 3 Specialized web sites 4 During personal visit or by phone 5 Independent financial consultants or brokers 6 Friends and acquaintances 9 University 98 I find it difficult to answer this question Sysmiss q.16 Choice 3: What sources do you use to get information about the above tenden q.16 Choice 3: What sources do you use to get information about the above tenden q.16 Choice 3: What sources do you use to get information about the above tenden q.16 Choice 3: What sources do you use to get information about the above tenden q.16 Choice 3: What sources do you use to get information about the above tenden What sources do you use to get information about the above tendencies? (Multiple choices is possible) 113 1094 1 Advertising/Announcement 2 Newspapers, magazines, TV prog specializing on finan issues 3 Specialized web sites 4 During personal visit or by phone 5 Independent financial consultants or brokers 6 Friends and acquaintances 9 University 98 I find it difficult to answer this question Sysmiss q.16 Choice 4: What sources do you use to get information about the above tenden q.16 Choice 4: What sources do you use to get information about the above tenden q.16 Choice 4: What sources do you use to get information about the above tenden q.16 Choice 4: What sources do you use to get information about the above tenden q.16 Choice 4: What sources do you use to get information about the above tenden What sources do you use to get information about the above tendencies? (Multiple choices is possible) 1 1206 1 Advertising/Announcement 2 Newspapers, magazines, TV prog specializing on finan issues 3 Specialized web sites 4 During personal visit or by phone 5 Independent financial consultants or brokers 6 Friends and acquaintances 9 University 98 I find it difficult to answer this question Sysmiss q.17 Did you ever buy a financial service during the last five years and later y q.17 Did you ever buy a financial service during the last five years and later y q.17 Did you ever buy a financial service during the last five years and later y q.17 Did you ever buy a financial service during the last five years and later y q.17 Did you ever buy a financial service during the last five years and later y Did you ever buy a financial service during the last five years and later you were sorry about that, because the service did not meet your needs and you concluded to terminate relations with seller (or service provider)? If No of Find it difficult to answer the question --> Shift to the 20th question 1207 1 Yes 2 No 98 I find it difficult to answer this question q.18 Choice 1: What kind of service was it? q.18 Choice 1: What kind of service was it? q.18 Choice 1: What kind of service was it? q.18 Choice 1: What kind of service was it? q.18 Choice 1: What kind of service was it? What kind of service was it? (Multiple choices is possible) If Don't remember of Find it difficult to answer the question --> Shift to the 20th question 53 1154 1 A bank deposit 2 A stock 3 A bank credit card 4 A bank debit cardi 5 A consumer loan 6 An insurance policy 7 A car credit 8 A mortgage loan 9 Agriculture loan 10 Cash loan 11 Business sloan 12 Fermer teserrufati krediti 13 A warrant 97 I don’t remember 98 I find it difficult to answer this question Sysmiss q.18 Choice 2: What kind of service was it? q.18 Choice 2: What kind of service was it? q.18 Choice 2: What kind of service was it? q.18 Choice 2: What kind of service was it? q.18 Choice 2: What kind of service was it? What kind of service was it? (Multiple choices is possible) If Don't remember of Find it difficult to answer the question --> Shift to the 20th question 2 1205 1 A bank deposit 2 A stock 3 A bank credit card 4 A bank debit cardi 5 A consumer loan 6 An insurance policy 7 A car credit 8 A mortgage loan 9 Agriculture loan 10 Cash loan 11 Business sloan 12 Fermer teserrufati krediti 13 A warrant 97 I don’t remember 98 I find it difficult to answer this question Sysmiss q.19 What did you do after you find out the problem? q.19 What did you do after you find out the problem? q.19 What did you do after you find out the problem? q.19 What did you do after you find out the problem? q.19 What did you do after you find out the problem? What did you do after you find out the problem? 53 1154 1 Nothing 2 I stopped using the service before the contract expired 3 I submitted a grievance to the comp which sold me the produc 4 I submitted a claim to the appropriate government authority 99 No answer Sysmiss q.20 If a conflict arises between you and financial organization (bank, insuranc q.20 If a conflict arises between you and financial organization (bank, insuranc q.20 If a conflict arises between you and financial organization (bank, insuranc q.20 If a conflict arises between you and financial organization (bank, insuranc q.20 If a conflict arises between you and financial organization (bank, insuranc If a conflict arises between you and financial organization (bank, insurance company or the like) regarding the provision of financial services, are you sure that it will solve quickly and fairly? 1207 1 I am completely sure (100%) 2 I am rather sure (75%) 3 Fifty-fifty 4 I am not quite sure 5 I find it difficult to answer this question 98 No answer q.21 Please evaluate your financial literacy using a five-point system where 1st q.21 Please evaluate your financial literacy using a five-point system where 1st q.21 Please evaluate your financial literacy using a five-point system where 1st q.21 Please evaluate your financial literacy using a five-point system where 1st q.21 Please evaluate your financial literacy using a five-point system where 1st Please evaluate your financial literacy using a five-point system where 1stands for the worst and 5 for the best 1207 1 Very low 2 Low 3 Average 4 High 5 Very high 98 I find it difficult to answer this question q.22 Let’s assume that you deposited 1000 manats in a bank account for 1 year at q.22 Let’s assume that you deposited 1000 manats in a bank account for 1 year at q.22 Let’s assume that you deposited 1000 manats in a bank account for 1 year at q.22 Let’s assume that you deposited 1000 manats in a bank account for 1 year at q.22 Let’s assume that you deposited 1000 manats in a bank account for 1 year at Let's assume that you deposited 1000 manats in a bank account for 1 year at 12% interest rate. How much money will you have in your account in 1 year if you do not withdraw from or add to this account any money? 1207 1 More than 1120 manats 2 Exactly 1120 manats 3 Less than 1120 manats 4 I cannot come up with even a rough number q.23 Let’s assume that you deposited 1000 manats in a bank account for 5 years a q.23 Let’s assume that you deposited 1000 manats in a bank account for 5 years a q.23 Let’s assume that you deposited 1000 manats in a bank account for 5 years a q.23 Let’s assume that you deposited 1000 manats in a bank account for 5 years a q.23 Let’s assume that you deposited 1000 manats in a bank account for 5 years a Let's assume that you deposited 1000 manats in a bank account for 5 years at 10% interest rate. The interest will be earned at the end of each year and will be added to the principal. How much money will you have in your account in 5 years if you do not withdraw either the principal or the interest? 1207 1 More than 1500 manats 2 Exactly 1500 manats 3 Less than 1500 manats 4 I cannot come up with even a rough number q.24 Imagine, than you deposited the money in a bank account at 8% interest rate q.24 Imagine, than you deposited the money in a bank account at 8% interest rate q.24 Imagine, than you deposited the money in a bank account at 8% interest rate q.24 Imagine, than you deposited the money in a bank account at 8% interest rate q.24 Imagine, than you deposited the money in a bank account at 8% interest rate Imagine, than you deposited the money in a bank account at 8% interest rate, while the annual inflation rate was 10%. Do you think the money from your account can buy more or less, or the same amount of goods and services on average now as a year ago? 1207 1 More than a year ago 2 The same 3 Less than a year ago 4 I cannot estimate it even roughly q.25 Let’s assume that in 2010 your income is twice as now, and the consumer pri q.25 Let’s assume that in 2010 your income is twice as now, and the consumer pri q.25 Let’s assume that in 2010 your income is twice as now, and the consumer pri q.25 Let’s assume that in 2010 your income is twice as now, and the consumer pri q.25 Let’s assume that in 2010 your income is twice as now, and the consumer pri Let's assume that in 2010 your income is twice as now, and the consumer prices also grow twofold. Do you think that in 2010 you will be able to buy more, less, or the same amount of goods and services as today? 1207 1 More than today 2 Exactly the same 3 Less than today 4 I cannot estimate it even roughly q.26 Let’s assume that you saw a refrigerator of the same model on sales in two q.26 Let’s assume that you saw a refrigerator of the same model on sales in two q.26 Let’s assume that you saw a refrigerator of the same model on sales in two q.26 Let’s assume that you saw a refrigerator of the same model on sales in two q.26 Let’s assume that you saw a refrigerator of the same model on sales in two Let's assume that you saw a refrigerator of the same model on sales in two different shops. The initial retail price of it was 1000 manats. One shop offered a discount of 150 manats, while the other one offered a 10% discount. Which one is a better bargain - a discount of 150 manats or 10%? 1207 1 150 manats 2 10% discount 3 I cannot estimate it even roughly 99 No answer q.27 Let’s assume that you took a bank credit of 1000 manats to be paid back dur q.27 Let’s assume that you took a bank credit of 1000 manats to be paid back dur q.27 Let’s assume that you took a bank credit of 1000 manats to be paid back dur q.27 Let’s assume that you took a bank credit of 1000 manats to be paid back dur q.27 Let’s assume that you took a bank credit of 1000 manats to be paid back dur Let's assume that you took a bank credit of 1000 manats to be paid back during a year in equal monthly payments. The credit charge is 90 manats. Give a rough estimate of the annual interest rate on your credit. 1207 1 6% 2 9 % 3 12% 4 15 % 5 I cannot estimate it even roughly q.28 Choice 1: In you opinion what should be primary attention when someone comp q.28 Choice 1: In you opinion what should be primary attention when someone comp q.28 Choice 1: In you opinion what should be primary attention when someone comp q.28 Choice 1: In you opinion what should be primary attention when someone comp q.28 Choice 1: In you opinion what should be primary attention when someone comp In you opinion what should be primary attention when someone compare the banks in order to choose the one where to take a credit from or to make deposit in? 1207 1 Bank’s reputation (fame) and its reliability 2 View of the bank office and qualifications of its personnel 3 Credit interest rate and the credit cost 4 Gifts and advertising campaigns 5 Without collateral 98 I cannot estimate it even roughly 99 No answer q.28 Choice 2: In you opinion what should be primary attention when someone comp q.28 Choice 2: In you opinion what should be primary attention when someone comp q.28 Choice 2: In you opinion what should be primary attention when someone comp q.28 Choice 2: In you opinion what should be primary attention when someone comp q.28 Choice 2: In you opinion what should be primary attention when someone comp In you opinion what should be primary attention when someone compare the banks in order to choose the one where to take a credit from or to make deposit in? 13 1194 1 Bank’s reputation (fame) and its reliability 2 View of the bank office and qualifications of its personnel 3 Credit interest rate and the credit cost 4 Gifts and advertising campaigns 5 Without collateral 98 I cannot estimate it even roughly 99 No answer Sysmiss q.29 When do you think buying on credit is justified? In your opinion when is th q.29 When do you think buying on credit is justified? In your opinion when is th q.29 When do you think buying on credit is justified? In your opinion when is th q.29 When do you think buying on credit is justified? In your opinion when is th q.29 When do you think buying on credit is justified? In your opinion when is th When do you think buying on credit is justified? In your opinion when is the right condition to buy on credit? (Choose only one answer) 1207 1 If a shop has sales for the goods I need 2 If the interest rate on cred is high. than the one on deposi 3 If a per. needs to pay for educ. allow to get bet. paid job 4 If a per. really needs a voc. tr. but does not have money 6 When required 7 To buy relevant goods for bride 8 In case of lack of cash 12 It is unreasonable to take credit/Never 18 If there is income to repay credit 19 Only for business 21 If additional present is offered 26 If there is no other choose 98 I find it difficult to answer this question q.30 Choice 1: On which basis do banks provide credits? q.30 Choice 1: On which basis do banks provide credits? q.30 Choice 1: On which basis do banks provide credits? q.30 Choice 1: On which basis do banks provide credits? q.30 Choice 1: On which basis do banks provide credits? On which basis do banks provide credits? (Multiple choices is possible) 1207 1 Monthly income and repayment capacity of a borrower 2 Welfare and needs of a borrower for funds 3 Provision of collateral or guarantee for credit 4 Cred. are prov. to everyb. bas. on appl. and turns of clien 5 Registration at bank 6 Based on business plan 9 Through acquaintance 98 I find it difficult to answer this question 99 No answer q.30 Choice 2: On which basis do banks provide credits? q.30 Choice 2: On which basis do banks provide credits? q.30 Choice 2: On which basis do banks provide credits? q.30 Choice 2: On which basis do banks provide credits? q.30 Choice 2: On which basis do banks provide credits? On which basis do banks provide credits? (Multiple choices is possible) 597 610 1 Monthly income and repayment capacity of a borrower 2 Welfare and needs of a borrower for funds 3 Provision of collateral or guarantee for credit 4 Cred. are prov. to everyb. bas. on appl. and turns of clien 5 Registration at bank 6 Based on business plan 9 Through acquaintance 98 I find it difficult to answer this question 99 No answer Sysmiss q.30 Choice 3: On which basis do banks provide credits? q.30 Choice 3: On which basis do banks provide credits? q.30 Choice 3: On which basis do banks provide credits? q.30 Choice 3: On which basis do banks provide credits? q.30 Choice 3: On which basis do banks provide credits? On which basis do banks provide credits? (Multiple choices is possible) 33 1174 1 Monthly income and repayment capacity of a borrower 2 Welfare and needs of a borrower for funds 3 Provision of collateral or guarantee for credit 4 Cred. are prov. to everyb. bas. on appl. and turns of clien 5 Registration at bank 6 Based on business plan 9 Through acquaintance 98 I find it difficult to answer this question 99 No answer Sysmiss q.31 Choice 1:There is a list below of the topics regarding various aspects of p q.31 Choice 1:There is a list below of the topics regarding various aspects of p q.31 Choice 1:There is a list below of the topics regarding various aspects of p q.31 Choice 1:There is a list below of the topics regarding various aspects of p q.31 Choice 1:There is a list below of the topics regarding various aspects of p (Show the cart!) There is a list below of the topics regarding various aspects of personal finance management. Please specify which are most interesting to learn about in the course of financial training? (Not more than 5 answers) 1207 1 Forming person. finan. targets and drawing a per. finan plan 2 What to do not to get up to one’s neck in debt using credit 3 How to plan purc. of dur and eval. one’s abiliti to imp them 4 Pens. scheme and available met. to secure one’s old age inc 5 Bank serv.– curr accounts, sav. depos. and debit credit card 6 Mode of use from internet, mobile banking services 7 Consumer credits to purchase goods and services 8 Mortgage loans 9 Insurance and insurance products 10 Capital markets and stock 11 Inf on finan serv, interpr the infor and diff. the inform. 12 What par. are used to comp the serv off. by band and ot com 13 V cons. rig. prot laws and m. to be d in c of v. these righ 14 What in is im for a us. sign a con with bank or ot. fin comp 15 I am not interested in any of such topics 98 I find it difficult to answer this question q.31 Choice 2: There is a list below of the topics regarding various aspects of q.31 Choice 2: There is a list below of the topics regarding various aspects of q.31 Choice 2: There is a list below of the topics regarding various aspects of q.31 Choice 2: There is a list below of the topics regarding various aspects of q.31 Choice 2: There is a list below of the topics regarding various aspects of (Show the cart!) There is a list below of the topics regarding various aspects of personal finance management. Please specify which are most interesting to learn about in the course of financial training? (Not more than 5 answers) 802 405 1 Forming person. finan. targets and drawing a per. finan plan 2 What to do not to get up to one’s neck in debt using credit 3 How to plan purc. of dur and eval. one’s abiliti to imp them 4 Pens. scheme and available met. to secure one’s old age inc 5 Bank serv.– curr accounts, sav. depos. and debit credit card 6 Mode of use from internet, mobile banking services 7 Consumer credits to purchase goods and services 8 Mortgage loans 9 Insurance and insurance products 10 Capital markets and stock 11 Inf on finan serv, interpr the infor and diff. the inform. 12 What par. are used to comp the serv off. by band and ot com 13 V cons. rig. prot laws and m. to be d in c of v. these righ 14 What in is im for a us. sign a con with bank or ot. fin comp 15 I am not interested in any of such topics 98 I find it difficult to answer this question Sysmiss q.31 Choice 3: There is a list below of the topics regarding various aspects of q.31 Choice 3: There is a list below of the topics regarding various aspects of q.31 Choice 3: There is a list below of the topics regarding various aspects of q.31 Choice 3: There is a list below of the topics regarding various aspects of q.31 Choice 3: There is a list below of the topics regarding various aspects of (Show the cart!) There is a list below of the topics regarding various aspects of personal finance management. Please specify which are most interesting to learn about in the course of financial training? (Not more than 5 answers) 628 579 1 Forming person. finan. targets and drawing a per. finan plan 2 What to do not to get up to one’s neck in debt using credit 3 How to plan purc. of dur and eval. one’s abiliti to imp them 4 Pens. scheme and available met. to secure one’s old age inc 5 Bank serv.– curr accounts, sav. depos. and debit credit card 6 Mode of use from internet, mobile banking services 7 Consumer credits to purchase goods and services 8 Mortgage loans 9 Insurance and insurance products 10 Capital markets and stock 11 Inf on finan serv, interpr the infor and diff. the inform. 12 What par. are used to comp the serv off. by band and ot com 13 V cons. rig. prot laws and m. to be d in c of v. these righ 14 What in is im for a us. sign a con with bank or ot. fin comp 15 I am not interested in any of such topics 98 I find it difficult to answer this question Sysmiss q.31 Choice 4: There is a list below of the topics regarding various aspects of q.31 Choice 4: There is a list below of the topics regarding various aspects of q.31 Choice 4: There is a list below of the topics regarding various aspects of q.31 Choice 4: There is a list below of the topics regarding various aspects of q.31 Choice 4: There is a list below of the topics regarding various aspects of (Show the cart!) There is a list below of the topics regarding various aspects of personal finance management. Please specify which are most interesting to learn about in the course of financial training? (Not more than 5 answers) 366 841 1 Forming person. finan. targets and drawing a per. finan plan 2 What to do not to get up to one’s neck in debt using credit 3 How to plan purc. of dur and eval. one’s abiliti to imp them 4 Pens. scheme and available met. to secure one’s old age inc 5 Bank serv.– curr accounts, sav. depos. and debit credit card 6 Mode of use from internet, mobile banking services 7 Consumer credits to purchase goods and services 8 Mortgage loans 9 Insurance and insurance products 10 Capital markets and stock 11 Inf on finan serv, interpr the infor and diff. the inform. 12 What par. are used to comp the serv off. by band and ot com 13 V cons. rig. prot laws and m. to be d in c of v. these righ 14 What in is im for a us. sign a con with bank or ot. fin comp 15 I am not interested in any of such topics 98 I find it difficult to answer this question Sysmiss q.31 Choice 5: There is a list below of the topics regarding various aspects of q.31 Choice 5: There is a list below of the topics regarding various aspects of q.31 Choice 5: There is a list below of the topics regarding various aspects of q.31 Choice 5: There is a list below of the topics regarding various aspects of q.31 Choice 5: There is a list below of the topics regarding various aspects of (Show the cart!) There is a list below of the topics regarding various aspects of personal finance management. Please specify which are most interesting to learn about in the course of financial training? (Not more than 5 answers) 224 983 1 Forming person. finan. targets and drawing a per. finan plan 2 What to do not to get up to one’s neck in debt using credit 3 How to plan purc. of dur and eval. one’s abiliti to imp them 4 Pens. scheme and available met. to secure one’s old age inc 5 Bank serv.– curr accounts, sav. depos. and debit credit card 6 Mode of use from internet, mobile banking services 7 Consumer credits to purchase goods and services 8 Mortgage loans 9 Insurance and insurance products 10 Capital markets and stock 11 Inf on finan serv, interpr the infor and diff. the inform. 12 What par. are used to comp the serv off. by band and ot com 13 V cons. rig. prot laws and m. to be d in c of v. these righ 14 What in is im for a us. sign a con with bank or ot. fin comp 15 I am not interested in any of such topics 98 I find it difficult to answer this question Sysmiss q.32 Choice 1: What kind of trainers do you see as the most suitable to deliver q.32 Choice 1: What kind of trainers do you see as the most suitable to deliver q.32 Choice 1: What kind of trainers do you see as the most suitable to deliver q.32 Choice 1: What kind of trainers do you see as the most suitable to deliver q.32 Choice 1: What kind of trainers do you see as the most suitable to deliver What kind of trainers do you see as the most suitable to deliver financial literacy program? (No more than 3 answers) 1207 1 A commercial bank 2 Insurance companies 3 NGO or public org-s involved in cons rights protection 4 Government entities regulating capital markets 5 Higher educ institutions of econ. and finan. profile 6 Independent financial consultants 7 Mass media (journalists and TV presenters) 98 I find it difficult to answer this question 99 No answer q.32 Choice 2: What kind of trainers do you see as the most suitable to deliver q.32 Choice 2: What kind of trainers do you see as the most suitable to deliver q.32 Choice 2: What kind of trainers do you see as the most suitable to deliver q.32 Choice 2: What kind of trainers do you see as the most suitable to deliver q.32 Choice 2: What kind of trainers do you see as the most suitable to deliver What kind of trainers do you see as the most suitable to deliver financial literacy program? (No more than 3 answers) 513 694 1 A commercial bank 2 Insurance companies 3 NGO or public org-s involved in cons rights protection 4 Government entities regulating capital markets 5 Higher educ institutions of econ. and finan. profile 6 Independent financial consultants 7 Mass media (journalists and TV presenters) 98 I find it difficult to answer this question 99 No answer Sysmiss q.32 Choice 3: What kind of trainers do you see as the most suitable to deliver q.32 Choice 3: What kind of trainers do you see as the most suitable to deliver q.32 Choice 3: What kind of trainers do you see as the most suitable to deliver q.32 Choice 3: What kind of trainers do you see as the most suitable to deliver q.32 Choice 3: What kind of trainers do you see as the most suitable to deliver What kind of trainers do you see as the most suitable to deliver financial literacy program? (No more than 3 answers) 177 1030 1 A commercial bank 2 Insurance companies 3 NGO or public org-s involved in cons rights protection 4 Government entities regulating capital markets 5 Higher educ institutions of econ. and finan. profile 6 Independent financial consultants 7 Mass media (journalists and TV presenters) 98 I find it difficult to answer this question 99 No answer Sysmiss q.33 Choice1: Let’s assume that in addition to your regular income your family g q.33 Choice1: Let’s assume that in addition to your regular income your family g q.33 Choice1: Let’s assume that in addition to your regular income your family g q.33 Choice1: Let’s assume that in addition to your regular income your family g q.33 Choice1: Let’s assume that in addition to your regular income your family g Let's assume that in addition to your regular income your family got some money in the amount of 2000-3000 manats. What would you do with this money most likely? (No more than 5 answers) 1207 1 I’ll spend it on the purchase of household goods 2 I’ll try to add money and buy a plot of land, a car, etc 3 I’ll make long-term sav. to accumul mon for more exp thgs 4 I’ll make reserves 5 I’ll repay my earlier debts 6 I’ll spend it on entertainment, on travel or vacation 7 I’ll invest it in my own business 8 I’ll spend it on educ. and development of my children 9 I’ll sp. it on upgrade of my ski.or tra. for a new voc/prof 10 I’ll buy an ins. pol for myself 11 I’ll spend it on my med. treat and that of my close 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 companies, gover bonds 16 I'll spend it for a charitable purpose / object 17 I'll buy foods/clothes 20 I'll repear/build my house 21 I'll buy land 41 I'll undertake agriculture activities 44 I'll buy livestock 54 I'll establish business 98 I find it difficult to answer this question q.33 Choice 2: Let’s assume that in addition to your regular income your family q.33 Choice 2: Let’s assume that in addition to your regular income your family q.33 Choice 2: Let’s assume that in addition to your regular income your family q.33 Choice 2: Let’s assume that in addition to your regular income your family q.33 Choice 2: Let’s assume that in addition to your regular income your family Let's assume that in addition to your regular income your family got some money in the amount of 2000-3000 manats. What would you do with this money most likely? (No more than 5 answers) 882 325 1 I’ll spend it on the purchase of household goods 2 I’ll try to add money and buy a plot of land, a car, etc 3 I’ll make long-term sav. to accumul mon for more exp thgs 4 I’ll make reserves 5 I’ll repay my earlier debts 6 I’ll spend it on entertainment, on travel or vacation 7 I’ll invest it in my own business 8 I’ll spend it on educ. and development of my children 9 I’ll sp. it on upgrade of my ski.or tra. for a new voc/prof 10 I’ll buy an ins. pol for myself 11 I’ll spend it on my med. treat and that of my close 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 companies, gover bonds 16 I'll spend it for a charitable purpose / object 17 I'll buy foods/clothes 20 I'll repear/build my house 21 I'll buy land 41 I'll undertake agriculture activities 44 I'll buy livestock 54 I'll establish business 98 I find it difficult to answer this question Sysmiss q.33 Choice 3: Let’s assume that in addition to your regular income your family q.33 Choice 3: Let’s assume that in addition to your regular income your family q.33 Choice 3: Let’s assume that in addition to your regular income your family q.33 Choice 3: Let’s assume that in addition to your regular income your family q.33 Choice 3: Let’s assume that in addition to your regular income your family Let's assume that in addition to your regular income your family got some money in the amount of 2000-3000 manats. What would you do with this money most likely? (No more than 5 answers) 466 741 1 I’ll spend it on the purchase of household goods 2 I’ll try to add money and buy a plot of land, a car, etc 3 I’ll make long-term sav. to accumul mon for more exp thgs 4 I’ll make reserves 5 I’ll repay my earlier debts 6 I’ll spend it on entertainment, on travel or vacation 7 I’ll invest it in my own business 8 I’ll spend it on educ. and development of my children 9 I’ll sp. it on upgrade of my ski.or tra. for a new voc/prof 10 I’ll buy an ins. pol for myself 11 I’ll spend it on my med. treat and that of my close 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 companies, gover bonds 16 I'll spend it for a charitable purpose / object 17 I'll buy foods/clothes 20 I'll repear/build my house 21 I'll buy land 41 I'll undertake agriculture activities 44 I'll buy livestock 54 I'll establish business 98 I find it difficult to answer this question Sysmiss q.33 Choice 4: Let’s assume that in addition to your regular income your family q.33 Choice 4: Let’s assume that in addition to your regular income your family q.33 Choice 4: Let’s assume that in addition to your regular income your family q.33 Choice 4: Let’s assume that in addition to your regular income your family q.33 Choice 4: Let’s assume that in addition to your regular income your family Let's assume that in addition to your regular income your family got some money in the amount of 2000-3000 manats. What would you do with this money most likely? (No more than 5 answers) 183 1024 1 I’ll spend it on the purchase of household goods 2 I’ll try to add money and buy a plot of land, a car, etc 3 I’ll make long-term sav. to accumul mon for more exp thgs 4 I’ll make reserves 5 I’ll repay my earlier debts 6 I’ll spend it on entertainment, on travel or vacation 7 I’ll invest it in my own business 8 I’ll spend it on educ. and development of my children 9 I’ll sp. it on upgrade of my ski.or tra. for a new voc/prof 10 I’ll buy an ins. pol for myself 11 I’ll spend it on my med. treat and that of my close 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 companies, gover bonds 16 I'll spend it for a charitable purpose / object 17 I'll buy foods/clothes 20 I'll repear/build my house 21 I'll buy land 41 I'll undertake agriculture activities 44 I'll buy livestock 54 I'll establish business 98 I find it difficult to answer this question Sysmiss q.33 Choice 5: Let’s assume that in addition to your regular income your family q.33 Choice 5: Let’s assume that in addition to your regular income your family q.33 Choice 5: Let’s assume that in addition to your regular income your family q.33 Choice 5: Let’s assume that in addition to your regular income your family q.33 Choice 5: Let’s assume that in addition to your regular income your family Let's assume that in addition to your regular income your family got some money in the amount of 2000-3000 manats. What would you do with this money most likely? (No more than 5 answers) 94 1113 1 I’ll spend it on the purchase of household goods 2 I’ll try to add money and buy a plot of land, a car, etc 3 I’ll make long-term sav. to accumul mon for more exp thgs 4 I’ll make reserves 5 I’ll repay my earlier debts 6 I’ll spend it on entertainment, on travel or vacation 7 I’ll invest it in my own business 8 I’ll spend it on educ. and development of my children 9 I’ll sp. it on upgrade of my ski.or tra. for a new voc/prof 10 I’ll buy an ins. pol for myself 11 I’ll spend it on my med. treat and that of my close 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 companies, gover bonds 16 I'll spend it for a charitable purpose / object 17 I'll buy foods/clothes 20 I'll repear/build my house 21 I'll buy land 41 I'll undertake agriculture activities 44 I'll buy livestock 54 I'll establish business 98 I find it difficult to answer this question Sysmiss q.34 How do you (does your family) usually manage your everyday revenues? q.34 How do you (does your family) usually manage your everyday revenues? q.34 How do you (does your family) usually manage your everyday revenues? q.34 How do you (does your family) usually manage your everyday revenues? q.34 How do you (does your family) usually manage your everyday revenues? How do you (does your family) usually manage your everyday revenues? 1207 1 I try to save smg and sp the rest of the money everyday need 2 I spend money on the everyday needs and save the rest 3 I sp all money on everyday needs and do not save anything 98 I find it difficult to answer this question q.35 Did you (your family) invest or make deposit? q.35 Did you (your family) invest or make deposit? q.35 Did you (your family) invest or make deposit? q.35 Did you (your family) invest or make deposit? q.35 Did you (your family) invest or make deposit? Did you (your family) invest or make deposit? If No --> Shift to 37th question 1207 1 Yes 2 No q.36 Choice 1: What are your (your family’s) personal reasons to make savings or q.36 Choice 1: What are your (your family’s) personal reasons to make savings or q.36 Choice 1: What are your (your family’s) personal reasons to make savings or q.36 Choice 1: What are your (your family’s) personal reasons to make savings or q.36 Choice 1: What are your (your family’s) personal reasons to make savings or What are your (your family's) personal reasons to make savings or investments? ( Multiple choices is possible) 263 944 1 For a rainy day, for unexpected expenses 2 For retirement 3 To get inc the form of int, incr market value of assets, etc 4 To leave something for children to inherit 5 To increase my living standards in the future 6 I like saving rather than spending money 7 To be independent and be able to make choices 8 To speculate on the stock exchange 9 No particular reason, this is a family tradition Sysmiss q.36 Choice 2: What are your (your family’s) personal reasons to make savings or q.36 Choice 2: What are your (your family’s) personal reasons to make savings or q.36 Choice 2: What are your (your family’s) personal reasons to make savings or q.36 Choice 2: What are your (your family’s) personal reasons to make savings or q.36 Choice 2: What are your (your family’s) personal reasons to make savings or What are your (your family's) personal reasons to make savings or investments? ( Multiple choices is possible) 146 1061 1 For a rainy day, for unexpected expenses 2 For retirement 3 To get inc the form of int, incr market value of assets, etc 4 To leave something for children to inherit 5 To increase my living standards in the future 6 I like saving rather than spending money 7 To be independent and be able to make choices 8 To speculate on the stock exchange 9 No particular reason, this is a family tradition Sysmiss q.36 Choice 3: What are your (your family’s) personal reasons to make savings or q.36 Choice 3: What are your (your family’s) personal reasons to make savings or q.36 Choice 3: What are your (your family’s) personal reasons to make savings or q.36 Choice 3: What are your (your family’s) personal reasons to make savings or q.36 Choice 3: What are your (your family’s) personal reasons to make savings or What are your (your family's) personal reasons to make savings or investments? ( Multiple choices is possible) 28 1179 1 For a rainy day, for unexpected expenses 2 For retirement 3 To get inc the form of int, incr market value of assets, etc 4 To leave something for children to inherit 5 To increase my living standards in the future 6 I like saving rather than spending money 7 To be independent and be able to make choices 8 To speculate on the stock exchange 9 No particular reason, this is a family tradition Sysmiss q.36 Choice 4: What are your (your family’s) personal reasons to make savings or q.36 Choice 4: What are your (your family’s) personal reasons to make savings or q.36 Choice 4: What are your (your family’s) personal reasons to make savings or q.36 Choice 4: What are your (your family’s) personal reasons to make savings or q.36 Choice 4: What are your (your family’s) personal reasons to make savings or What are your (your family's) personal reasons to make savings or investments? ( Multiple choices is possible) 2 1205 1 For a rainy day, for unexpected expenses 2 For retirement 3 To get inc the form of int, incr market value of assets, etc 4 To leave something for children to inherit 5 To increase my living standards in the future 6 I like saving rather than spending money 7 To be independent and be able to make choices 8 To speculate on the stock exchange 9 No particular reason, this is a family tradition Sysmiss q.36 Choice 5: What are your (your family’s) personal reasons to make savings or q.36 Choice 5: What are your (your family’s) personal reasons to make savings or q.36 Choice 5: What are your (your family’s) personal reasons to make savings or q.36 Choice 5: What are your (your family’s) personal reasons to make savings or q.36 Choice 5: What are your (your family’s) personal reasons to make savings or What are your (your family's) personal reasons to make savings or investments? ( Multiple choices is possible) 1 1206 1 For a rainy day, for unexpected expenses 2 For retirement 3 To get inc the form of int, incr market value of assets, etc 4 To leave something for children to inherit 5 To increase my living standards in the future 6 I like saving rather than spending money 7 To be independent and be able to make choices 8 To speculate on the stock exchange 9 No particular reason, this is a family tradition Sysmiss q.37 Choice 1: If you (your family) do/does not make savings, what is the reason q.37 Choice 1: If you (your family) do/does not make savings, what is the reason q.37 Choice 1: If you (your family) do/does not make savings, what is the reason q.37 Choice 1: If you (your family) do/does not make savings, what is the reason q.37 Choice 1: If you (your family) do/does not make savings, what is the reason If you (your family) do/does not make savings, what is the reason? What is the reason that you (your family) do not make savings? (Multiple choices is possible) 944 263 1 I don’t trust financial institutions 2 I cannot do this because of a low income 3 I don’t see the point in making savings 4 I cannot resist the temptation to spend the money on shoppin 6 Interest rate is prohibited by religion 7 Time consuming 10 Other 11 Infilation 98 I find it difficult to answer this question 99 No answer Sysmiss q.37 Choice 2: If you (your family) do/does not make savings, what is the reason q.37 Choice 2: If you (your family) do/does not make savings, what is the reason q.37 Choice 2: If you (your family) do/does not make savings, what is the reason q.37 Choice 2: If you (your family) do/does not make savings, what is the reason q.37 Choice 2: If you (your family) do/does not make savings, what is the reason If you (your family) do/does not make savings, what is the reason? What is the reason that you (your family) do not make savings? (Multiple choices is possible) 181 1026 1 I don’t trust financial institutions 2 I cannot do this because of a low income 3 I don’t see the point in making savings 4 I cannot resist the temptation to spend the money on shoppin 6 Interest rate is prohibited by religion 7 Time consuming 10 Other 11 Infilation 98 I find it difficult to answer this question 99 No answer Sysmiss q.37 Choice 3: If you (your family) do/does not make savings, what is the reason q.37 Choice 3: If you (your family) do/does not make savings, what is the reason q.37 Choice 3: If you (your family) do/does not make savings, what is the reason q.37 Choice 3: If you (your family) do/does not make savings, what is the reason q.37 Choice 3: If you (your family) do/does not make savings, what is the reason If you (your family) do/does not make savings, what is the reason? What is the reason that you (your family) do not make savings? (Multiple choices is possible) 4 1203 1 I don’t trust financial institutions 2 I cannot do this because of a low income 3 I don’t see the point in making savings 4 I cannot resist the temptation to spend the money on shoppin 6 Interest rate is prohibited by religion 7 Time consuming 10 Other 11 Infilation 98 I find it difficult to answer this question 99 No answer Sysmiss q.38 Choice 1: What financial services from the given below do you personally us q.38 Choice 1: What financial services from the given below do you personally us q.38 Choice 1: What financial services from the given below do you personally us q.38 Choice 1: What financial services from the given below do you personally us q.38 Choice 1: What financial services from the given below do you personally us (Show the cart!) What financial services from the given below do you personally use? (Multiple choices is possible) 1207 1 Consumer credit 2 Bank current account 3 Bank transaction account 4 Currency exchange 5 Credit card 6 Debit card (Bank plastic card) 7 Mortgage loan 8 Internet, Mobile banking 9 Insurance policies 10 Investments in companies' stock 11 Local and foreign money remittance 12 None of the above 14 Agriculture loan 15 Business loan 99 No answer q.38 Choice 2: What financial services from the given below do you personally us q.38 Choice 2: What financial services from the given below do you personally us q.38 Choice 2: What financial services from the given below do you personally us q.38 Choice 2: What financial services from the given below do you personally us q.38 Choice 2: What financial services from the given below do you personally us (Show the cart!) What financial services from the given below do you personally use? (Multiple choices is possible) 154 1053 1 Consumer credit 2 Bank current account 3 Bank transaction account 4 Currency exchange 5 Credit card 6 Debit card (Bank plastic card) 7 Mortgage loan 8 Internet, Mobile banking 9 Insurance policies 10 Investments in companies' stock 11 Local and foreign money remittance 12 None of the above 14 Agriculture loan 15 Business loan 99 No answer Sysmiss q.38 Choice 3: What financial services from the given below do you personally us q.38 Choice 3: What financial services from the given below do you personally us q.38 Choice 3: What financial services from the given below do you personally us q.38 Choice 3: What financial services from the given below do you personally us q.38 Choice 3: What financial services from the given below do you personally us (Show the cart!) What financial services from the given below do you personally use? (Multiple choices is possible) 50 1157 1 Consumer credit 2 Bank current account 3 Bank transaction account 4 Currency exchange 5 Credit card 6 Debit card (Bank plastic card) 7 Mortgage loan 8 Internet, Mobile banking 9 Insurance policies 10 Investments in companies' stock 11 Local and foreign money remittance 12 None of the above 14 Agriculture loan 15 Business loan 99 No answer Sysmiss q.38 Choice 4: What financial services from the given below do you personally us q.38 Choice 4: What financial services from the given below do you personally us q.38 Choice 4: What financial services from the given below do you personally us q.38 Choice 4: What financial services from the given below do you personally us q.38 Choice 4: What financial services from the given below do you personally us (Show the cart!) What financial services from the given below do you personally use? (Multiple choices is possible) 19 1188 1 Consumer credit 2 Bank current account 3 Bank transaction account 4 Currency exchange 5 Credit card 6 Debit card (Bank plastic card) 7 Mortgage loan 8 Internet, Mobile banking 9 Insurance policies 10 Investments in companies' stock 11 Local and foreign money remittance 12 None of the above 14 Agriculture loan 15 Business loan 99 No answer Sysmiss q.38 Choice 5: What financial services from the given below do you personally us q.38 Choice 5: What financial services from the given below do you personally us q.38 Choice 5: What financial services from the given below do you personally us q.38 Choice 5: What financial services from the given below do you personally us q.38 Choice 5: What financial services from the given below do you personally us (Show the cart!) What financial services from the given below do you personally use? (Multiple choices is possible) 9 1198 1 Consumer credit 2 Bank current account 3 Bank transaction account 4 Currency exchange 5 Credit card 6 Debit card (Bank plastic card) 7 Mortgage loan 8 Internet, Mobile banking 9 Insurance policies 10 Investments in companies' stock 11 Local and foreign money remittance 12 None of the above 14 Agriculture loan 15 Business loan 99 No answer Sysmiss q.38 Choice 6: What financial services from the given below do you personally us q.38 Choice 6: What financial services from the given below do you personally us q.38 Choice 6: What financial services from the given below do you personally us q.38 Choice 6: What financial services from the given below do you personally us q.38 Choice 6: What financial services from the given below do you personally us (Show the cart!) What financial services from the given below do you personally use? (Multiple choices is possible) 4 1203 1 Consumer credit 2 Bank current account 3 Bank transaction account 4 Currency exchange 5 Credit card 6 Debit card (Bank plastic card) 7 Mortgage loan 8 Internet, Mobile banking 9 Insurance policies 10 Investments in companies' stock 11 Local and foreign money remittance 12 None of the above 14 Agriculture loan 15 Business loan 99 No answer Sysmiss q.38 Choice 7: What financial services from the given below do you personally us q.38 Choice 7: What financial services from the given below do you personally us q.38 Choice 7: What financial services from the given below do you personally us q.38 Choice 7: What financial services from the given below do you personally us q.38 Choice 7: What financial services from the given below do you personally us (Show the cart!) What financial services from the given below do you personally use? (Multiple choices is possible) 3 1204 1 Consumer credit 2 Bank current account 3 Bank transaction account 4 Currency exchange 5 Credit card 6 Debit card (Bank plastic card) 7 Mortgage loan 8 Internet, Mobile banking 9 Insurance policies 10 Investments in companies' stock 11 Local and foreign money remittance 12 None of the above 14 Agriculture loan 15 Business loan 99 No answer Sysmiss q.38 Choice 8: What financial services from the given below do you personally us q.38 Choice 8: What financial services from the given below do you personally us q.38 Choice 8: What financial services from the given below do you personally us q.38 Choice 8: What financial services from the given below do you personally us q.38 Choice 8: What financial services from the given below do you personally us (Show the cart!) What financial services from the given below do you personally use? (Multiple choices is possible) 2 1205 1 Consumer credit 2 Bank current account 3 Bank transaction account 4 Currency exchange 5 Credit card 6 Debit card (Bank plastic card) 7 Mortgage loan 8 Internet, Mobile banking 9 Insurance policies 10 Investments in companies' stock 11 Local and foreign money remittance 12 None of the above 14 Agriculture loan 15 Business loan 99 No answer Sysmiss q.39 Choice 1: What financial services from the given below do your family membe q.39 Choice 1: What financial services from the given below do your family membe q.39 Choice 1: What financial services from the given below do your family membe q.39 Choice 1: What financial services from the given below do your family membe q.39 Choice 1: What financial services from the given below do your family membe (Show the cart!) What financial services from the given below do your family members use? (Multiple choices is possible) 1207 1 Consumer credit 2 Bank current account 3 Bank transaction account 4 Currency exchange 5 Credit card 6 Debit card (Bank plastic card) 7 Mortgage loan 8 Internet, Mobile banking 9 Insurance policies 10 Investments in companies' stock 11 Local and foreign money remittance 12 None of the above 14 Agriculture loan 15 Business loan 99 No answer q.39 Choice 2: What financial services from the given below do your family membe q.39 Choice 2: What financial services from the given below do your family membe q.39 Choice 2: What financial services from the given below do your family membe q.39 Choice 2: What financial services from the given below do your family membe q.39 Choice 2: What financial services from the given below do your family membe (Show the cart!) What financial services from the given below do your family members use? (Multiple choices is possible) 106 1101 1 Consumer credit 2 Bank current account 3 Bank transaction account 4 Currency exchange 5 Credit card 6 Debit card (Bank plastic card) 7 Mortgage loan 8 Internet, Mobile banking 9 Insurance policies 10 Investments in companies' stock 11 Local and foreign money remittance 12 None of the above 14 Agriculture loan 15 Business loan 99 No answer Sysmiss q.39 Choice 3: What financial services from the given below do your family membe q.39 Choice 3: What financial services from the given below do your family membe q.39 Choice 3: What financial services from the given below do your family membe q.39 Choice 3: What financial services from the given below do your family membe q.39 Choice 3: What financial services from the given below do your family membe (Show the cart!) What financial services from the given below do your family members use? (Multiple choices is possible) 17 1190 1 Consumer credit 2 Bank current account 3 Bank transaction account 4 Currency exchange 5 Credit card 6 Debit card (Bank plastic card) 7 Mortgage loan 8 Internet, Mobile banking 9 Insurance policies 10 Investments in companies' stock 11 Local and foreign money remittance 12 None of the above 14 Agriculture loan 15 Business loan 99 No answer Sysmiss q.39 Choice 4: What financial services from the given below do your family membe q.39 Choice 4: What financial services from the given below do your family membe q.39 Choice 4: What financial services from the given below do your family membe q.39 Choice 4: What financial services from the given below do your family membe q.39 Choice 4: What financial services from the given below do your family membe (Show the cart!) What financial services from the given below do your family members use? (Multiple choices is possible) 7 1200 1 Consumer credit 2 Bank current account 3 Bank transaction account 4 Currency exchange 5 Credit card 6 Debit card (Bank plastic card) 7 Mortgage loan 8 Internet, Mobile banking 9 Insurance policies 10 Investments in companies' stock 11 Local and foreign money remittance 12 None of the above 14 Agriculture loan 15 Business loan 99 No answer Sysmiss q.39 Choice 5: What financial services from the given below do your family membe q.39 Choice 5: What financial services from the given below do your family membe q.39 Choice 5: What financial services from the given below do your family membe q.39 Choice 5: What financial services from the given below do your family membe q.39 Choice 5: What financial services from the given below do your family membe (Show the cart!) What financial services from the given below do your family members use? (Multiple choices is possible) 4 1203 1 Consumer credit 2 Bank current account 3 Bank transaction account 4 Currency exchange 5 Credit card 6 Debit card (Bank plastic card) 7 Mortgage loan 8 Internet, Mobile banking 9 Insurance policies 10 Investments in companies' stock 11 Local and foreign money remittance 12 None of the above 14 Agriculture loan 15 Business loan 99 No answer Sysmiss q.39 Choice 6: What financial services from the given below do your family membe q.39 Choice 6: What financial services from the given below do your family membe q.39 Choice 6: What financial services from the given below do your family membe q.39 Choice 6: What financial services from the given below do your family membe q.39 Choice 6: What financial services from the given below do your family membe (Show the cart!) What financial services from the given below do your family members use? (Multiple choices is possible) 2 1205 1 Consumer credit 2 Bank current account 3 Bank transaction account 4 Currency exchange 5 Credit card 6 Debit card (Bank plastic card) 7 Mortgage loan 8 Internet, Mobile banking 9 Insurance policies 10 Investments in companies' stock 11 Local and foreign money remittance 12 None of the above 14 Agriculture loan 15 Business loan 99 No answer Sysmiss q.39 Choice 7: What financial services from the given below do your family membe q.39 Choice 7: What financial services from the given below do your family membe q.39 Choice 7: What financial services from the given below do your family membe q.39 Choice 7: What financial services from the given below do your family membe q.39 Choice 7: What financial services from the given below do your family membe (Show the cart!) What financial services from the given below do your family members use? (Multiple choices is possible) 1 1206 1 Consumer credit 2 Bank current account 3 Bank transaction account 4 Currency exchange 5 Credit card 6 Debit card (Bank plastic card) 7 Mortgage loan 8 Internet, Mobile banking 9 Insurance policies 10 Investments in companies' stock 11 Local and foreign money remittance 12 None of the above 14 Agriculture loan 15 Business loan 99 No answer Sysmiss q.39 Choice 8: What financial services from the given below do your family membe q.39 Choice 8: What financial services from the given below do your family membe q.39 Choice 8: What financial services from the given below do your family membe q.39 Choice 8: What financial services from the given below do your family membe q.39 Choice 8: What financial services from the given below do your family membe (Show the cart!) What financial services from the given below do your family members use? (Multiple choices is possible) 1 1206 1 Consumer credit 2 Bank current account 3 Bank transaction account 4 Currency exchange 5 Credit card 6 Debit card (Bank plastic card) 7 Mortgage loan 8 Internet, Mobile banking 9 Insurance policies 10 Investments in companies' stock 11 Local and foreign money remittance 12 None of the above 14 Agriculture loan 15 Business loan 99 No answer Sysmiss q.40 Choice 1: What financial services from the given below are you personally g q.40 Choice 1: What financial services from the given below are you personally g q.40 Choice 1: What financial services from the given below are you personally g q.40 Choice 1: What financial services from the given below are you personally g q.40 Choice 1: What financial services from the given below are you personally g (Show the cart!) What financial services from the given below are you personally going to use over the coming 2 years? (Multiple choices is possible) 1207 1 Consumer credit 2 Bank current account 3 Bank transaction account 4 Currency exchange 5 Credit card 6 Debit card (Bank plastic card) 7 Mortgage loan 8 Internet, Mobile banking 9 Insurance policies 10 Investments in companies' stock 11 Local and foreign money remittance 12 None of the above 14 Agriculture loan 15 Business loan 99 No answer q.40 Choice 2: What financial services from the given below are you personally g q.40 Choice 2: What financial services from the given below are you personally g q.40 Choice 2: What financial services from the given below are you personally g q.40 Choice 2: What financial services from the given below are you personally g q.40 Choice 2: What financial services from the given below are you personally g (Show the cart!) What financial services from the given below are you personally going to use over the coming 2 years? (Multiple choices is possible) 84 1123 1 Consumer credit 2 Bank current account 3 Bank transaction account 4 Currency exchange 5 Credit card 6 Debit card (Bank plastic card) 7 Mortgage loan 8 Internet, Mobile banking 9 Insurance policies 10 Investments in companies' stock 11 Local and foreign money remittance 12 None of the above 14 Agriculture loan 15 Business loan 99 No answer Sysmiss q.40 Choice 3: What financial services from the given below are you personally g q.40 Choice 3: What financial services from the given below are you personally g q.40 Choice 3: What financial services from the given below are you personally g q.40 Choice 3: What financial services from the given below are you personally g q.40 Choice 3: What financial services from the given below are you personally g (Show the cart!) What financial services from the given below are you personally going to use over the coming 2 years? (Multiple choices is possible) 17 1190 1 Consumer credit 2 Bank current account 3 Bank transaction account 4 Currency exchange 5 Credit card 6 Debit card (Bank plastic card) 7 Mortgage loan 8 Internet, Mobile banking 9 Insurance policies 10 Investments in companies' stock 11 Local and foreign money remittance 12 None of the above 14 Agriculture loan 15 Business loan 99 No answer Sysmiss q.40 Choice 4: What financial services from the given below are you personally g q.40 Choice 4: What financial services from the given below are you personally g q.40 Choice 4: What financial services from the given below are you personally g q.40 Choice 4: What financial services from the given below are you personally g q.40 Choice 4: What financial services from the given below are you personally g (Show the cart!) What financial services from the given below are you personally going to use over the coming 2 years? (Multiple choices is possible) 6 1201 1 Consumer credit 2 Bank current account 3 Bank transaction account 4 Currency exchange 5 Credit card 6 Debit card (Bank plastic card) 7 Mortgage loan 8 Internet, Mobile banking 9 Insurance policies 10 Investments in companies' stock 11 Local and foreign money remittance 12 None of the above 14 Agriculture loan 15 Business loan 99 No answer Sysmiss q.40 Choice 5: What financial services from the given below are you personally g q.40 Choice 5: What financial services from the given below are you personally g q.40 Choice 5: What financial services from the given below are you personally g q.40 Choice 5: What financial services from the given below are you personally g q.40 Choice 5: What financial services from the given below are you personally g (Show the cart!) What financial services from the given below are you personally going to use over the coming 2 years? (Multiple choices is possible) 5 1202 1 Consumer credit 2 Bank current account 3 Bank transaction account 4 Currency exchange 5 Credit card 6 Debit card (Bank plastic card) 7 Mortgage loan 8 Internet, Mobile banking 9 Insurance policies 10 Investments in companies' stock 11 Local and foreign money remittance 12 None of the above 14 Agriculture loan 15 Business loan 99 No answer Sysmiss q.40 Choice 6: What financial services from the given below are you personally g q.40 Choice 6: What financial services from the given below are you personally g q.40 Choice 6: What financial services from the given below are you personally g q.40 Choice 6: What financial services from the given below are you personally g q.40 Choice 6: What financial services from the given below are you personally g (Show the cart!) What financial services from the given below are you personally going to use over the coming 2 years? (Multiple choices is possible) 2 1205 1 Consumer credit 2 Bank current account 3 Bank transaction account 4 Currency exchange 5 Credit card 6 Debit card (Bank plastic card) 7 Mortgage loan 8 Internet, Mobile banking 9 Insurance policies 10 Investments in companies' stock 11 Local and foreign money remittance 12 None of the above 14 Agriculture loan 15 Business loan 99 No answer Sysmiss q.40 Choice 7: What financial services from the given below are you personally g q.40 Choice 7: What financial services from the given below are you personally g q.40 Choice 7: What financial services from the given below are you personally g q.40 Choice 7: What financial services from the given below are you personally g q.40 Choice 7: What financial services from the given below are you personally g (Show the cart!) What financial services from the given below are you personally going to use over the coming 2 years? (Multiple choices is possible) 1 1206 1 Consumer credit 2 Bank current account 3 Bank transaction account 4 Currency exchange 5 Credit card 6 Debit card (Bank plastic card) 7 Mortgage loan 8 Internet, Mobile banking 9 Insurance policies 10 Investments in companies' stock 11 Local and foreign money remittance 12 None of the above 14 Agriculture loan 15 Business loan 99 No answer Sysmiss q.40 Choice 8: What financial services from the given below are you personally g q.40 Choice 8: What financial services from the given below are you personally g q.40 Choice 8: What financial services from the given below are you personally g q.40 Choice 8: What financial services from the given below are you personally g q.40 Choice 8: What financial services from the given below are you personally g (Show the cart!) What financial services from the given below are you personally going to use over the coming 2 years? (Multiple choices is possible) 1 1206 1 Consumer credit 2 Bank current account 3 Bank transaction account 4 Currency exchange 5 Credit card 6 Debit card (Bank plastic card) 7 Mortgage loan 8 Internet, Mobile banking 9 Insurance policies 10 Investments in companies' stock 11 Local and foreign money remittance 12 None of the above 14 Agriculture loan 15 Business loan 99 No answer Sysmiss q.40 Choice 9: What financial services from the given below are you personally g q.40 Choice 9: What financial services from the given below are you personally g q.40 Choice 9: What financial services from the given below are you personally g q.40 Choice 9: What financial services from the given below are you personally g q.40 Choice 9: What financial services from the given below are you personally g (Show the cart!) What financial services from the given below are you personally going to use over the coming 2 years? (Multiple choices is possible) 1 1206 1 Consumer credit 2 Bank current account 3 Bank transaction account 4 Currency exchange 5 Credit card 6 Debit card (Bank plastic card) 7 Mortgage loan 8 Internet, Mobile banking 9 Insurance policies 10 Investments in companies' stock 11 Local and foreign money remittance 12 None of the above 14 Agriculture loan 15 Business loan 99 No answer Sysmiss q.40 Choice 10: What financial services from the given below are you personally q.40 Choice 10: What financial services from the given below are you personally q.40 Choice 10: What financial services from the given below are you personally q.40 Choice 10: What financial services from the given below are you personally q.40 Choice 10: What financial services from the given below are you personally (Show the cart!) What financial services from the given below are you personally going to use over the coming 2 years? (Multiple choices is possible) 1 1206 1 Consumer credit 2 Bank current account 3 Bank transaction account 4 Currency exchange 5 Credit card 6 Debit card (Bank plastic card) 7 Mortgage loan 8 Internet, Mobile banking 9 Insurance policies 10 Investments in companies' stock 11 Local and foreign money remittance 12 None of the above 14 Agriculture loan 15 Business loan 99 No answer Sysmiss q.41 Choice 1: What services of the below would you like to know better or get a q.41 Choice 1: What services of the below would you like to know better or get a q.41 Choice 1: What services of the below would you like to know better or get a q.41 Choice 1: What services of the below would you like to know better or get a q.41 Choice 1: What services of the below would you like to know better or get a What services of the below would you like to know better or get additional information about? (Multiple choices is possible) 1207 1 Consumer credit 2 Bank current account 3 Bank transaction account 4 Currency exchange 5 Credit card 6 Debit card (Bank plastic card) 7 Mortgage loan 8 Internet, Mobile banking 9 Insurance policies 10 Investments in companies' stock 11 Local and foreign money remittance 12 None of the above 14 Agriculture loan 15 Business loan 99 No answer q.41 Choice 2: What services of the below would you like to know better or get a q.41 Choice 2: What services of the below would you like to know better or get a q.41 Choice 2: What services of the below would you like to know better or get a q.41 Choice 2: What services of the below would you like to know better or get a q.41 Choice 2: What services of the below would you like to know better or get a What services of the below would you like to know better or get additional information about? (Multiple choices is possible) 117 1090 1 Consumer credit 2 Bank current account 3 Bank transaction account 4 Currency exchange 5 Credit card 6 Debit card (Bank plastic card) 7 Mortgage loan 8 Internet, Mobile banking 9 Insurance policies 10 Investments in companies' stock 11 Local and foreign money remittance 12 None of the above 14 Agriculture loan 15 Business loan 99 No answer Sysmiss q.41 Choice 3: What services of the below would you like to know better or get a q.41 Choice 3: What services of the below would you like to know better or get a q.41 Choice 3: What services of the below would you like to know better or get a q.41 Choice 3: What services of the below would you like to know better or get a q.41 Choice 3: What services of the below would you like to know better or get a What services of the below would you like to know better or get additional information about? (Multiple choices is possible) 31 1176 1 Consumer credit 2 Bank current account 3 Bank transaction account 4 Currency exchange 5 Credit card 6 Debit card (Bank plastic card) 7 Mortgage loan 8 Internet, Mobile banking 9 Insurance policies 10 Investments in companies' stock 11 Local and foreign money remittance 12 None of the above 14 Agriculture loan 15 Business loan 99 No answer Sysmiss q.41 Choice 4: What services of the below would you like to know better or get a q.41 Choice 4: What services of the below would you like to know better or get a q.41 Choice 4: What services of the below would you like to know better or get a q.41 Choice 4: What services of the below would you like to know better or get a q.41 Choice 4: What services of the below would you like to know better or get a What services of the below would you like to know better or get additional information about? (Multiple choices is possible) 7 1200 1 Consumer credit 2 Bank current account 3 Bank transaction account 4 Currency exchange 5 Credit card 6 Debit card (Bank plastic card) 7 Mortgage loan 8 Internet, Mobile banking 9 Insurance policies 10 Investments in companies' stock 11 Local and foreign money remittance 12 None of the above 14 Agriculture loan 15 Business loan 99 No answer Sysmiss q.41 Choice 5: What services of the below would you like to know better or get a q.41 Choice 5: What services of the below would you like to know better or get a q.41 Choice 5: What services of the below would you like to know better or get a q.41 Choice 5: What services of the below would you like to know better or get a q.41 Choice 5: What services of the below would you like to know better or get a What services of the below would you like to know better or get additional information about? (Multiple choices is possible) 3 1204 1 Consumer credit 2 Bank current account 3 Bank transaction account 4 Currency exchange 5 Credit card 6 Debit card (Bank plastic card) 7 Mortgage loan 8 Internet, Mobile banking 9 Insurance policies 10 Investments in companies' stock 11 Local and foreign money remittance 12 None of the above 14 Agriculture loan 15 Business loan 99 No answer Sysmiss q.41 Choice 6: What services of the below would you like to know better or get a q.41 Choice 6: What services of the below would you like to know better or get a q.41 Choice 6: What services of the below would you like to know better or get a q.41 Choice 6: What services of the below would you like to know better or get a q.41 Choice 6: What services of the below would you like to know better or get a What services of the below would you like to know better or get additional information about? (Multiple choices is possible) 1 1206 1 Consumer credit 2 Bank current account 3 Bank transaction account 4 Currency exchange 5 Credit card 6 Debit card (Bank plastic card) 7 Mortgage loan 8 Internet, Mobile banking 9 Insurance policies 10 Investments in companies' stock 11 Local and foreign money remittance 12 None of the above 14 Agriculture loan 15 Business loan 99 No answer Sysmiss q.42 How often do you compare the terms and conditions for provision of financia q.42 How often do you compare the terms and conditions for provision of financia q.42 How often do you compare the terms and conditions for provision of financia q.42 How often do you compare the terms and conditions for provision of financia q.42 How often do you compare the terms and conditions for provision of financia How often do you compare the terms and conditions for provision of financial services by various companies before you buy such service? 661 546 1 Always 2 Sometimes 3 Rarely 4 Never 98 I find it difficult to answer this question Sysmiss q.43 Choice 1: What sources of information do you pay attention when you are cho q.43 Choice 1: What sources of information do you pay attention when you are cho q.43 Choice 1: What sources of information do you pay attention when you are cho q.43 Choice 1: What sources of information do you pay attention when you are cho q.43 Choice 1: What sources of information do you pay attention when you are cho What sources of information do you pay attention when you are choosing a company to buy a service from? (Multiple choices is possible) 661 546 1 Advertisements/Announcement 2 Advice of consult. working for prov. of a required services 3 Inf. mat.of fin. com. on their tariffs and ser of var types 4 Recom of independent finan. consult. or brokers 5 Advice of friends and relatives 6 Analytical materials published in mass media 7 Employer’s advice 8 Internet resources 98 I find it difficult to answer this question 99 No answer Sysmiss q.43 Choice 2: What sources of information do you pay attention when you are cho q.43 Choice 2: What sources of information do you pay attention when you are cho q.43 Choice 2: What sources of information do you pay attention when you are cho q.43 Choice 2: What sources of information do you pay attention when you are cho q.43 Choice 2: What sources of information do you pay attention when you are cho What sources of information do you pay attention when you are choosing a company to buy a service from? (Multiple choices is possible) 246 961 1 Advertisements/Announcement 2 Advice of consult. working for prov. of a required services 3 Inf. mat.of fin. com. on their tariffs and ser of var types 4 Recom of independent finan. consult. or brokers 5 Advice of friends and relatives 6 Analytical materials published in mass media 7 Employer’s advice 8 Internet resources 98 I find it difficult to answer this question 99 No answer Sysmiss q.43 Choice 3: What sources of information do you pay attention when you are cho q.43 Choice 3: What sources of information do you pay attention when you are cho q.43 Choice 3: What sources of information do you pay attention when you are cho q.43 Choice 3: What sources of information do you pay attention when you are cho q.43 Choice 3: What sources of information do you pay attention when you are cho What sources of information do you pay attention when you are choosing a company to buy a service from? (Multiple choices is possible) 61 1146 1 Advertisements/Announcement 2 Advice of consult. working for prov. of a required services 3 Inf. mat.of fin. com. on their tariffs and ser of var types 4 Recom of independent finan. consult. or brokers 5 Advice of friends and relatives 6 Analytical materials published in mass media 7 Employer’s advice 8 Internet resources 98 I find it difficult to answer this question 99 No answer Sysmiss q.43 Choice 4: What sources of information do you pay attention when you are cho q.43 Choice 4: What sources of information do you pay attention when you are cho q.43 Choice 4: What sources of information do you pay attention when you are cho q.43 Choice 4: What sources of information do you pay attention when you are cho q.43 Choice 4: What sources of information do you pay attention when you are cho What sources of information do you pay attention when you are choosing a company to buy a service from? (Multiple choices is possible) 5 1202 1 Advertisements/Announcement 2 Advice of consult. working for prov. of a required services 3 Inf. mat.of fin. com. on their tariffs and ser of var types 4 Recom of independent finan. consult. or brokers 5 Advice of friends and relatives 6 Analytical materials published in mass media 7 Employer’s advice 8 Internet resources 98 I find it difficult to answer this question 99 No answer Sysmiss q.44 How often do you go to the bank? q.44 How often do you go to the bank? q.44 How often do you go to the bank? q.44 How often do you go to the bank? q.44 How often do you go to the bank? How often do you go to the bank? If Never --> Shift to 46th question 1207 1 Once a week or more 2 Once a month 3 Once in 2-3 months 4 Never 6 Once a year 8 Twice a year q.45 Did bank staffs provide you with other services of the bank when you applie q.45 Did bank staffs provide you with other services of the bank when you applie q.45 Did bank staffs provide you with other services of the bank when you applie q.45 Did bank staffs provide you with other services of the bank when you applie q.45 Did bank staffs provide you with other services of the bank when you applie Did bank staffs provide you with other services of the bank when you applied for a particular bank service? 375 832 1 No! I got information only on required issue 2 Yes. They give me inform. and brochures on other services 3 Yes. They give me information on other services 98 I find it difficult to answer this question 99 No answer Sysmiss q.46 Which means would you use to send money to relative/acquaintance living in q.46 Which means would you use to send money to relative/acquaintance living in q.46 Which means would you use to send money to relative/acquaintance living in q.46 Which means would you use to send money to relative/acquaintance living in q.46 Which means would you use to send money to relative/acquaintance living in Which means would you use to send money to relative/acquaintance living in other region of Azerbaijan? 1207 1 I send through relatives/acquaintances 2 Through post 3 I would apply to the bank 4 I take myself 98 I find it difficult to answer this question q.47 How many family members do use debit/credit card? q.47 How many family members do use debit/credit card? q.47 How many family members do use debit/credit card? q.47 How many family members do use debit/credit card? q.47 How many family members do use debit/credit card? How many family members do use debit/credit card? 1207 1 One 2 2-3 3 All family members 4 No one q.48 For what reason do you use payment cards? q.48 For what reason do you use payment cards? q.48 For what reason do you use payment cards? q.48 For what reason do you use payment cards? q.48 For what reason do you use payment cards? For what reason do you use payment cards? If Only ATMs and POS terminals for taking money --> Shift to 50th question If I find it difficult to answer this question --> Shift to 51st question 896 311 1 POS terminals, Internet for purchase of goods and services 2 Only ATMs and POS terminals for taking money 3 Both of them Sysmiss q.49 How often do you use POS terminals or buy goods and services through interne q.49 How often do you use POS terminals or buy goods and services through interne q.49 How often do you use POS terminals or buy goods and services through interne q.49 How often do you use POS terminals or buy goods and services through interne q.49 How often do you use POS terminals or buy goods and services through interne How often do you use POS terminals or purchase of goods and services through internet? Shift to 51st question 16 1191 1 Daily 2 Every week 3 Once in two weeks 4 Several times in a month Sysmiss q.50 Choice 1: What is the reason for not using payment cards in purchase of goo q.50 Choice 1: What is the reason for not using payment cards in purchase of goo q.50 Choice 1: What is the reason for not using payment cards in purchase of goo q.50 Choice 1: What is the reason for not using payment cards in purchase of goo q.50 Choice 1: What is the reason for not using payment cards in purchase of goo What is the reason for not using payment cards in purchase of goods and services? (Multiple choices is possible) 879 328 1 I don’t have information about it 2 Number of card receiving entities is low 3 It’s difficult to control expenditures 4 Card receiving entities offer relatively high prices 5 I suppose that additional commission fees are taken 6 I don’t believe in their safety 7 Technical defects in use and very slow speed of the service 8 There is no need 20 There is no such kind of service/place for use 98 I find it difficult to answer this question Sysmiss q.50 Choice 2: What is the reason for not using payment cards in purchase of goo q.50 Choice 2: What is the reason for not using payment cards in purchase of goo q.50 Choice 2: What is the reason for not using payment cards in purchase of goo q.50 Choice 2: What is the reason for not using payment cards in purchase of goo q.50 Choice 2: What is the reason for not using payment cards in purchase of goo What is the reason for not using payment cards in purchase of goods and services? (Multiple choices is possible) 145 1062 1 I don’t have information about it 2 Number of card receiving entities is low 3 It’s difficult to control expenditures 4 Card receiving entities offer relatively high prices 5 I suppose that additional commission fees are taken 6 I don’t believe in their safety 7 Technical defects in use and very slow speed of the service 8 There is no need 20 There is no such kind of service/place for use 98 I find it difficult to answer this question Sysmiss q.50 Choice 3: What is the reason for not using payment cards in purchase of goo q.50 Choice 3: What is the reason for not using payment cards in purchase of goo q.50 Choice 3: What is the reason for not using payment cards in purchase of goo q.50 Choice 3: What is the reason for not using payment cards in purchase of goo q.50 Choice 3: What is the reason for not using payment cards in purchase of goo What is the reason for not using payment cards in purchase of goods and services? (Multiple choices is possible) 25 1182 1 I don’t have information about it 2 Number of card receiving entities is low 3 It’s difficult to control expenditures 4 Card receiving entities offer relatively high prices 5 I suppose that additional commission fees are taken 6 I don’t believe in their safety 7 Technical defects in use and very slow speed of the service 8 There is no need 20 There is no such kind of service/place for use 98 I find it difficult to answer this question Sysmiss q.50 Choice 4: What is the reason for not using payment cards in purchase of goo q.50 Choice 4: What is the reason for not using payment cards in purchase of goo q.50 Choice 4: What is the reason for not using payment cards in purchase of goo q.50 Choice 4: What is the reason for not using payment cards in purchase of goo q.50 Choice 4: What is the reason for not using payment cards in purchase of goo What is the reason for not using payment cards in purchase of goods and services? (Multiple choices is possible) 1 1206 1 I don’t have information about it 2 Number of card receiving entities is low 3 It’s difficult to control expenditures 4 Card receiving entities offer relatively high prices 5 I suppose that additional commission fees are taken 6 I don’t believe in their safety 7 Technical defects in use and very slow speed of the service 8 There is no need 20 There is no such kind of service/place for use 98 I find it difficult to answer this question Sysmiss q.50 Choice 5: What is the reason for not using payment cards in purchase of goo q.50 Choice 5: What is the reason for not using payment cards in purchase of goo q.50 Choice 5: What is the reason for not using payment cards in purchase of goo q.50 Choice 5: What is the reason for not using payment cards in purchase of goo q.50 Choice 5: What is the reason for not using payment cards in purchase of goo What is the reason for not using payment cards in purchase of goods and services? (Multiple choices is possible) 1 1206 1 I don’t have information about it 2 Number of card receiving entities is low 3 It’s difficult to control expenditures 4 Card receiving entities offer relatively high prices 5 I suppose that additional commission fees are taken 6 I don’t believe in their safety 7 Technical defects in use and very slow speed of the service 8 There is no need 20 There is no such kind of service/place for use 98 I find it difficult to answer this question Sysmiss q.51 Choice 1: To your opinion, what is required for broader use of payment card q.51 Choice 1: To your opinion, what is required for broader use of payment card q.51 Choice 1: To your opinion, what is required for broader use of payment card q.51 Choice 1: To your opinion, what is required for broader use of payment card q.51 Choice 1: To your opinion, what is required for broader use of payment card To your opinion, what is required for broader use of payment cards in Azerbaijan? (Multiple choices is possible) 896 311 1 Large-scale awareness measures should be carried out 2 More broad access (in many places) should be ensured 3 Service fees of banks should be cut down 4 Refusal of entities to receive pay. car. should be prevented 5 Interest rates are calculated for funds remained in the card 98 I find it difficult to answer this question Sysmiss q.51 Choice 2: To your opinion, what is required for broader use of payment card q.51 Choice 2: To your opinion, what is required for broader use of payment card q.51 Choice 2: To your opinion, what is required for broader use of payment card q.51 Choice 2: To your opinion, what is required for broader use of payment card q.51 Choice 2: To your opinion, what is required for broader use of payment card To your opinion, what is required for broader use of payment cards in Azerbaijan? (Multiple choices is possible) 360 847 1 Large-scale awareness measures should be carried out 2 More broad access (in many places) should be ensured 3 Service fees of banks should be cut down 4 Refusal of entities to receive pay. car. should be prevented 5 Interest rates are calculated for funds remained in the card 98 I find it difficult to answer this question Sysmiss q.51 Choice 3: To your opinion, what is required for broader use of payment card q.51 Choice 3: To your opinion, what is required for broader use of payment card q.51 Choice 3: To your opinion, what is required for broader use of payment card q.51 Choice 3: To your opinion, what is required for broader use of payment card q.51 Choice 3: To your opinion, what is required for broader use of payment card To your opinion, what is required for broader use of payment cards in Azerbaijan? (Multiple choices is possible) 87 1120 1 Large-scale awareness measures should be carried out 2 More broad access (in many places) should be ensured 3 Service fees of banks should be cut down 4 Refusal of entities to receive pay. car. should be prevented 5 Interest rates are calculated for funds remained in the card 98 I find it difficult to answer this question Sysmiss q.51 Choice 4: To your opinion, what is required for broader use of payment card q.51 Choice 4: To your opinion, what is required for broader use of payment card q.51 Choice 4: To your opinion, what is required for broader use of payment card q.51 Choice 4: To your opinion, what is required for broader use of payment card q.51 Choice 4: To your opinion, what is required for broader use of payment card To your opinion, what is required for broader use of payment cards in Azerbaijan? (Multiple choices is possible) 2 1205 1 Large-scale awareness measures should be carried out 2 More broad access (in many places) should be ensured 3 Service fees of banks should be cut down 4 Refusal of entities to receive pay. car. should be prevented 5 Interest rates are calculated for funds remained in the card 98 I find it difficult to answer this question Sysmiss q.52 Choice 1: Did you face constraints while taking money from your card accoun q.52 Choice 1: Did you face constraints while taking money from your card accoun q.52 Choice 1: Did you face constraints while taking money from your card accoun q.52 Choice 1: Did you face constraints while taking money from your card accoun q.52 Choice 1: Did you face constraints while taking money from your card accoun Did you face constraints while taking money from your card account? Multiple choices is possible 896 311 1 Number of daily transactions is limited 2 Scope of transactions is limited 3 High ser. fees are app. while taking mon. from ATM of ot. b. 4 ATMs don’t operate normally (regular lack of money) 5 There is no constraint 6 There are few in the vicinity Sysmiss q.52 Choice 2: Did you face constraints while taking money from your card accoun q.52 Choice 2: Did you face constraints while taking money from your card accoun q.52 Choice 2: Did you face constraints while taking money from your card accoun q.52 Choice 2: Did you face constraints while taking money from your card accoun q.52 Choice 2: Did you face constraints while taking money from your card accoun Did you face constraints while taking money from your card account? Multiple choices is possible 235 972 1 Number of daily transactions is limited 2 Scope of transactions is limited 3 High ser. fees are app. while taking mon. from ATM of ot. b. 4 ATMs don’t operate normally (regular lack of money) 5 There is no constraint 6 There are few in the vicinity Sysmiss q.52 Choice 3: Did you face constraints while taking money from your card accoun q.52 Choice 3: Did you face constraints while taking money from your card accoun q.52 Choice 3: Did you face constraints while taking money from your card accoun q.52 Choice 3: Did you face constraints while taking money from your card accoun q.52 Choice 3: Did you face constraints while taking money from your card accoun Did you face constraints while taking money from your card account? Multiple choices is possible 16 1191 1 Number of daily transactions is limited 2 Scope of transactions is limited 3 High ser. fees are app. while taking mon. from ATM of ot. b. 4 ATMs don’t operate normally (regular lack of money) 5 There is no constraint 6 There are few in the vicinity Sysmiss q.53 Have you heard of the Centralized Information System on Mass Payment created q.53 Have you heard of the Centralized Information System on Mass Payment created q.53 Have you heard of the Centralized Information System on Mass Payment created q.53 Have you heard of the Centralized Information System on Mass Payment created q.53 Have you heard of the Centralized Information System on Mass Payment created Have you heard about the Centralized Information System on Mass Payment created by the Central Bank? 866 341 1 Yes, I got registered, I carry out cash payments 2 Yes, I carry out cash payments without registration 3 Yes, I carry out payment through internet services 4 No, I haven’t heard Sysmiss q.54 Choice 1: What safety rules do you follow while using payment (debit/credit q.54 Choice 1: What safety rules do you follow while using payment (debit/credit q.54 Choice 1: What safety rules do you follow while using payment (debit/credit q.54 Choice 1: What safety rules do you follow while using payment (debit/credit q.54 Choice 1: What safety rules do you follow while using payment (debit/credit What safety rules do you follow while using payment (debit/credit) card? (Multiple choices is possible) 896 311 1 I don’t confide payment card and PIN package to strangers 2 I don’t expose introduction of PIN code to strangers 3 I keep payment card and PIN package separately 4 I don’t observe any safety rules 98 I find it difficult to answer this question Sysmiss q.54 Choice 2: What safety rules do you follow while using payment (debit/credit q.54 Choice 2: What safety rules do you follow while using payment (debit/credit q.54 Choice 2: What safety rules do you follow while using payment (debit/credit q.54 Choice 2: What safety rules do you follow while using payment (debit/credit q.54 Choice 2: What safety rules do you follow while using payment (debit/credit What safety rules do you follow while using payment (debit/credit) card? (Multiple choices is possible) 376 831 1 I don’t confide payment card and PIN package to strangers 2 I don’t expose introduction of PIN code to strangers 3 I keep payment card and PIN package separately 4 I don’t observe any safety rules 98 I find it difficult to answer this question Sysmiss q.54 Choice 3: What safety rules do you follow while using payment (debit/credit q.54 Choice 3: What safety rules do you follow while using payment (debit/credit q.54 Choice 3: What safety rules do you follow while using payment (debit/credit q.54 Choice 3: What safety rules do you follow while using payment (debit/credit q.54 Choice 3: What safety rules do you follow while using payment (debit/credit What safety rules do you follow while using payment (debit/credit) card? (Multiple choices is possible) 109 1098 1 I don’t confide payment card and PIN package to strangers 2 I don’t expose introduction of PIN code to strangers 3 I keep payment card and PIN package separately 4 I don’t observe any safety rules 98 I find it difficult to answer this question Sysmiss q.55 Do you use Internet, Mobile banking services? q.55 Do you use Internet, Mobile banking services? q.55 Do you use Internet, Mobile banking services? q.55 Do you use Internet, Mobile banking services? q.55 Do you use Internet, Mobile banking services? Do you use Internet, Mobile banking services? 1207 1 I haven’t heard of such services 2 I’ve heard of it. But don’t use it as don’t find it safe 3 Just a couple of times 4 Very often 98 I find it difficult to answer this question q.56 Gender q.56 Gender q.56 Gender q.56 Gender q.56 Gender Respondent's gender 1207 1 Male 2 Female q.57 Status q.57 Status q.57 Status q.57 Status q.57 Status Respondent's status 1207 1 Local resident 2 IDP/Refuge q.58 How old are you q.58 How old are you q.58 How old are you q.58 How old are you q.58 How old are you How old are you? 1207 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 99 No answer q.59 Relationship with head of household q.59 Relationship with head of household q.59 Relationship with head of household q.59 Relationship with head of household q.59 Relationship with head of household Relationship with head of household 1207 1 Head of household 2 Husband/Wife 3 Child 4 Son in law/daughter in law 5 Father/Mother 6 Father in law/mother in law 7 Brother/sister 8 Brother in law/sister in law 9 Grand-child 10 Grand-father/grand-mother 11 Other relatives 99 Cavab yox q.60 Education q.60 Education q.60 Education q.60 Education q.60 Education Your education? 1207 1 Higher education 2 Special vocational education (technical college) 3 Technical-vocational 4 General secondary 5 Incomplete secondary education 6 Primary education 7 No education q.61 Employment status q.61 Employment status q.61 Employment status q.61 Employment status q.61 Employment status Respondent's employment status 1207 1 Civil servant 2 Private sector employee 3 Employee of non-governmental organization 4 Entrepreneur 6 Self-employment 7 Temporary/seasonal works 8 Unpaid household works (assist. in farm and household works) 9 Housewife 10 Student 11 Pensioner 12 Unemployed (job-seeker) 13 Unemployed (non job-seeker) 98 I find it difficult to answer this question q.62 How much do you earn in overall in your main job q.62 How much do you earn in overall in your main job q.62 How much do you earn in overall in your main job q.62 How much do you earn in overall in your main job q.62 How much do you earn in overall in your main job What was the level of your earnings, wages/salary in your main job, including bonuses, vacation benefits, and other payments (after tax deductions). 845 362 13 20 25 34 35 40 42 43 45 48 50 60 68 70 74 75 78 80 81 82 83 84 85 88 89 90 92 93 94 96 97 98 99 Refuse to answer 100 102 104 105 108 110 114 115 117 119 120 122 124 125 126 129 130 133 134 138 139 140 143 145 149 150 155 156 157 159 160 164 165 169 170 175 180 185 188 190 192 195 196 200 202 203 210 212 214 217 220 225 230 234 239 240 250 251 254 260 261 265 270 279 280 290 297 298 300 312 315 320 327 334 350 352 355 369 370 380 400 420 436 450 470 480 500 586 595 600 650 658 700 750 800 900 1000 1200 1500 2000 2300 Sysmiss q.63 How much is total income of your family (minimum) q.63 How much is total income of your family (minimum) q.63 How much is total income of your family (minimum) q.63 How much is total income of your family (minimum) q.63 How much is total income of your family (minimum) How much is the total income and expenditures of your family? 1132 75 30 5000 347.42 336.848 q.63 How much is total income of your family (maximum) q.63 How much is total income of your family (maximum) q.63 How much is total income of your family (maximum) q.63 How much is total income of your family (maximum) q.63 How much is total income of your family (maximum) How much is the total income and expenditures of your family? 1137 70 30 5000 346.327 336.508 q.63 How much is total expenditures of your family (minimum) q.63 How much is total expenditures of your family (minimum) q.63 How much is total expenditures of your family (minimum) q.63 How much is total expenditures of your family (minimum) q.63 How much is total expenditures of your family (minimum) How much is the total income and expenditures of your family? 1173 34 30 4000 373.825 324.184 q.63 How much is total expenditures of your family (maximum) q.63 How much is total expenditures of your family (maximum) q.63 How much is total expenditures of your family (maximum) q.63 How much is total expenditures of your family (maximum) q.63 How much is total expenditures of your family (maximum) How much is the total income and expenditures of your family? 1173 34 30 4000 374.405 323.993 q.64 How many people live in your household q.64 How many people live in your household q.64 How many people live in your household q.64 How many people live in your household q.64 How many people live in your household How many people live in your household including you personally and all children 1207 1 2 3 4 5 6 7 8 9 10 11 14 q.65 How do you assess the financial situation in your family q.65 How do you assess the financial situation in your family q.65 How do you assess the financial situation in your family q.65 How do you assess the financial situation in your family q.65 How do you assess the financial situation in your family How do you assess the financial situation in your family? 1207 1 Very good 2 Good 3 Satsifactory 4 Bad 5 Very bad 98 I find it difficult to answer thisquestion