{"type":"survey","doc_desc":{"title":"BIH_2011_FLFS_v01_M","idno":"DDI_BIH_2011_FLFS_v01_M_WB","producers":[{"name":"World Bank","abbreviation":"","affiliation":"","role":""}],"prod_date":"2012-04-29"},"study_desc":{"title_statement":{"idno":"BIH_2011_FLFS_v01_M","title":"Financial Literacy and Financial Services Survey 2011","alt_title":"FLFS 2011"},"authoring_entity":[{"name":"IPSOS","affiliation":""}],"oth_id":[{"name":"Dragan Bagic","affiliation":"Department for Sociology at the Zagreb Faculty of Philosophy","email":"","role":"Supervised data collection, conducted statistical analysis of collected data"}],"production_statement":{"prod_date":"2012-04-29","funding_agencies":[{"name":"World Bank","abbreviation":"","role":""}]},"distribution_statement":{"depositor":[{"name":"","abbreviation":"","affiliation":""}]},"series_statement":{"series_name":"Other Household Health Survey [hh\/hea]"},"study_info":{"abstract":"The survey on financial literacy among the citizens of Bosnia and Herzegovina was conducted within a larger project that aims at creating the Action Plan for Consumer Protection in Financial Services. \n\nThe conclusion about the need for an Action Plan was reached by the representatives of the World Bank, the Federal Ministry of Finance, the Central Bank of Bosnia and Herzegovina, supervisory authorities for entity financial institutions and non-governmental organizations for the protection of consumer rights, based on the Diagnostic Review on Consumer Protection and Financial Literacy in Bosnia and Herzegovina conducted by the World Bank in 2009-2010. This diagnostic review was conducted at the request of the Federal Ministry of Finance, as part of a larger World Bank pilot program to assess consumer protection and financial literacy in developing countries and middle-income countries. The diagnostic review in Bosnia and Herzegovina was the eighth within this project. \n\nThe financial literacy survey, whose results are presented in this report, aims at establishing the basic situation with respect to financial literacy, serving on the one hand as a preparation for the educational activities plan, and on the other as a basis for measuring the efficiency of activities undertaken.","coll_dates":[{"start":"2011-05-04","end":"2011-04-15","cycle":""}],"nation":[{"name":"Bosnia and Herzegovina","abbreviation":"BIH"}],"geog_coverage":"Data collection was based on a random, nation-wide sample of citizens of Bosnia and Herzegovina aged 18 or older (N = 1036).","analysis_unit":"Household, individual","universe":"Population aged 18 or older","data_kind":"Sample survey data [ssd]","notes":"The first section of the study deals with financial literacy and its various aspects. Based on these data, the Financial Literacy Index was derived (a single-dimension composite scale of financial knowledge and capability). Next sections deal with managing everyday financial choices (saving, covering shortages etc.) in the context of general household financial situation. .","study_scope":"The first section of the study deals with financial literacy and its various aspects. Based on these data, the Financial Literacy Index was derived (a single-dimension composite scale of financial knowledge and capability). Next sections deal with managing everyday financial choices (saving, covering shortages etc.) in the context of general household financial situation. ."},"method":{"data_collection":{"sampling_procedure":"SUMMARY\n\nIn Bosnia and Herzegovina, as is well known, there is no completely reliable sample frame or information about universe. The main reasons for such a situation are migrations caused by war and lack of recent census data. The last census dates back to 1991, but since then the size and distribution of population has significantly changed. In such a situation, researchers have to combine all available sources of population data to estimate the present size and structure of the population: estimates by official statistical offices and international organizations, voters? lists, list of polling stations, registries of passport and ID holders, data from large random surveys etc. \n\nThe sample was three-stage stratified: in the first stage by entity, in the second by county\/region and in the third by type of settlement (urban\/rural). This means that, in the first stage, the total sample size was divided in two parts proportionally to number of inhabitants by entity, while in the second stage the subsample size for each entity was further divided by regions\/counties. In the third stage, the subsample for each region\/county was divided in two categories according to settlement type (rural\/urban). \n\nTaking into the account the lack of a reliable and complete list of citizens to be used as a sample frame, a multistage sampling method was applied. The list of polling stations was used as a frame for the selection of primary sampling units (PSU). Polling station territories are a good choice for such a procedure since they have been recently updated, for the general elections held in October 2010. The list of polling station territories contains a list of addresses of housing units that are certainly occupied. \n\nIn the second stage, households were used as a secondary sampling unit. Households were selected randomly by a random route technique. In total, 104 PSU were selected with an average of 10 respondents per PSU. The respondent from the selected household was selected randomly using the Trohdal-Bryant scheme. \n\nIn total, 1036 citizens were interviewed with a satisfactory response rate of around 60% (table 1). A higher refusal rate is recorded among middle-age groups (table 2). The theoretical margin of error for a random sample of this size is +\/-3.0%. \n\nDue to refusals, the sample structure deviated from the estimated population structure by gender, age and education level. Deviations were corrected by RIM weighting procedure. \n\n\nMORE DETAILED INFORMATION\n\nIPSOS designed a representative sample of approximately 1.000 residents age 18 and over, proportional to the adult populations of each region, based on age, sex, region and town (settlement) type. \n\nFor this research we designed three-stage stratified representative sample. First we stratify sample at entity level, regional level and then at settlement type level for each region. \n\nSample universe:\n\nPopulation of B&H -18+; 1991 Census figures and estimated population dynamics, census figures of refugees and IDPs, 1996. Central Election Commision - 2008; CIPS - 2008; \t\n\nSampling frame:\n\nPolling stations territory (approximate size of census units) within strata defined by regions and type of settlements (urban and rural)  Polling stations territories are chosen to be used as primary units because it enables the most reliable sample selection, due to the fact that for these units the most complete data are available (dwelling register - addresses) \t\n\nType of sample:\n\nThree stage random representative stratified sample \t\n\nDefinition and number of PSU, SSU, TSU, and sampling points \t\n\n- PSU - Polling station territory  Definition: Polling stations territories are defined by street(s) name(s) and dwelling numbers; each polling station territory comprises approximately 300 households, with exception of the settlements with less than 300 HH which are defined as one unite.  Number of PSUs in sample universe: 4710  \n- SSU - Household  Definition: One household comprises people living in the same apartment and sharing the expenditure for food  \n- TSU - Respondent  Definition: Member of the HH , 18+  Number of TSUs in sample universe: = 2.966.766  \n- Sampling points  Approximately 10 respondents per one PSU, total 104 \t\n\nStratification, purpose and method \t\n\n- First level strata: \tFederation of B&H \tRepublika Srpska \tBrc ko  District \t\n- Second level strata: 10 cantons  2 regions \t- \t\n- Third level strata: urban and rural settlements \t\n- Purpose: Optimisation of the sample plan, and reducing the sampling error  \n- Method: The strata are defined by criteria of optimal geographical and cultural uniformity \t\n\n- Selection procedure of PSU, SSU, and respondent  Stratification, purpose and method \t\n* PSU  Type of sampling of the PSU: Polling station territory chosen with probability proportional to size (PPS)  Method of selection: Cumulative (Lachirie method)  \n* SSU  Type of sampling of the SSU: Sample random sampling without replacement  Method of selection: Random walk - Random choice of the starting point  \n* TSU - Respondent  Type of sampling of respondent: Sample random sampling without replacement  Method of selection: TCB (Trohdal-Bryant scheme) \t\n\n- Sample size \tN=1036 respondents \t\n- Sampling error \tMarginal error +\/-3.0%","coll_mode":"Face-to-face [f2f]","research_instrument":"The survey was modelled after the identical survey conducted in Romania. The questionnaire used in the Financial Literacy Survey in Romania was localized for Bosnia and Herzegovina, including adaptations to match the Bosnian context and methodological improvements in wording of questions.","coll_situation":"Data for this survey were collected by means of in-home face-to-face interviews, using a highly structured questionnaire. Data collection was conducted by the Ipsos agency. All interviewers participating in data collection were specifically trained for this project, including detailed rules for the selection of respondents, rules for asking respondents questions and rules for data collection itself. Seven local coordinators (Sarajevo, Tuzla, Zenica, Mostar, Bihac, Banja Luka, and Bijeljina) conducted verbal instructions in their respective areas, based on written instructions prepared by Ipsos researchers with the help of consultants working on this project. Interviewers engaged in particular regions were selected depending on their ethnic and local language background in order to decrease refusal rates and to avoid negative \"halo effect\". Data collection was performed from 4th May to 15th May 2011. \n\nIPSOS filed work is organized in following way: \n\nWe have 7 local coordinators in B&H, in 7 centers of major regions: Sarajevo, Tuzla, Zenica, Mostar, Bihac, Banja Luka, Bijeljina. Each of them controls a number of trained interviewers, on a daily basis. In our Sarajevo office we have central fieldwork manger that is responsible for central coordination of project in B&H. \n\nEach local coordinator organizes trainings for their interviewers. \nInterviewers are obligated to send completed interviews to their local coordinator every day. \nInterviewers engaged in particular regions were selected depending on their ethnic and local language background in order to decrease response rates and to avoid \"halo effect\". \n\nBoth coordinators and interviewers received training in details on project subject, target group(s), techniques in selecting households and respondents, rules for back-checks, recording response rates \n\nScheduling and assignment of interviews \n\n* Interviewer had to find the starting point according the instructions (street and number of the dwelling\/ building). From the starting point, interviewer went into the instructed direction in order to identify the first dwelling (e.g. goes in direction of increasing numbers of dwellings and on the right side of the street, and enters into the third dwelling from the starting point ). When enters in the dwelling, he\/she follows the procedure of choosing the apartment (only one apartment in the building can be visited in a family house, but several in high-rise buildings); the interviewer is instructed in which floor to go, and how to choose the apartment, etc.) \n\n* After choosing the apartment, interviewer use TCB tables for the choice of the respondent \n\n* Non response situations \na) No one at home: interviewer comes back at least 1 time in another time of day, if without success. \nb) Refused by the person who open the door: interviewer is not coming back, and notes it with all details (sex, age of the assumed respondent, reasons for the interview not being realized) in the interviewer's diary (contact form) \nc) The respondent not available: same as under (a) \nd) Selected respondent refuses the interview: respondent is not replaced by another person from the same HH, interviewer notes it with all details (sex, age of the assumed respondent, reasons for the interview not being realized) in the interviewer's diary (contact form) \nInterviewers are taking notes in Interviewers diary (contact form). \n\nInterviewers are instructed to schedule the interviews in the afternoon-after working hour, except on weekends. \n\nAll interviewers attend the training and are provided with written instructions of respondent selection and questionnaire specific questions.","act_min":"Every interview conducted is recorded in the Interviewers' Diary which contains the following survey management information: \n- A unique identification number for each respondents, \n- Sampling point of the interview, date of interview, \n- Time of the start and end of the interview, \n- Municipality where interview was realized, region, settlement \n- Interviewer code (a unique number assigned to each individual interviewer) \n- Number of visits required to complete interview \n- Non-response (full description of the non-response occasion) \n\nQuality control in the field \n\nInterviewers were monitored in several ways. First, regional coordinators checked 5% of each interviewers work in the field. Second, 20-25% of interviewers' work was checked by phone from our central office. Fieldwork control verifies the following aspects of interviewers' work: \n- Fact that the interview has actually taken place; \n- Proper application of the sampling plan in selecting the respondents; \n- Approximate duration of the interview; \n- Proper administration of the various sections of the questionnaire, and \n- Interviewers' general adherence to professional standards. \n\nFollowing data collection, 100% logic and consistency controls are performed, both by local supervisors and staff in local office. \n\nFinally, IPSOS, as associated member of ESOMAR, the most prominent organization for marketing and public opinion research, conservatively respects the rules and principles established in ICC\/ESOMAR international rules for marketing research","cleaning_operations":"Before data entry, 100% logic and consistency controls are performed first by local supervisors and once later by staff in central office. \n\nVerification of correct data entry is assured by using BLAISE system for data entry (commercial product of Netherlands statistics), where criteria for logical and consistency control are defined in advance."},"analysis_info":{"response_rate":"- Nobody at home: 2,8% \t\n- Eligible person is not home: 2,8% \t\n- Refusal : 32,79% \t\t\t\n- Given up after a minimum of two visits: 0,82% \t\n- Other (excluded after control): 0,29% \t\n- Finished: 60,5%"}},"data_access":{"dataset_use":{"cit_req":"Use of the dataset must be acknowledged using a citation which would include:\n- the Identification of the Primary Investigator\n- the title of the survey (including country, acronym and year of implementation)\n- the survey reference number\n- the source and date of download","disclaimer":"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."}}},"data_files":[{"file_id":"F1","file_name":"World_Bank_BIH_FinLit_Survey","description":"1. Variables P4 (Interviewer's name and surname) and P5 (Coordinator's name and surname) have been replaced by digits due to privacy protection reasons \n\n2. Responses for Tables A to D have not been tracked in the dataset \n\n3. For multiple choice questions, each selection made by the individual is saved as a unique variable. For instance, question P11 allowed for multiple choices and if a person selected 3 of the given options, each of his choice will be a saved as P11_1, P11_2 and P11_3 respectively. For the same question, if another person selected only two items, his choices will be saved under P11_1 and P11_2 while the third variable P11_3 will indicate a missing value (.). If the respondent answered the multiple response question with \"Don't know\", then only the first variable P11_1 will be accordingly coded (99). All the other multiple responses variables will be coded as a missing value (.) for this respondent. \n\n4. The highest number of household members is 7. 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In which of the...should individual financial market losses be compensate","var_qstn_qstnlit":"In which of the following cases it is appropriate for the government to compensate individuals for the losses on the financial market?","var_qstn_postqtxt":"Multiple responses possible","var_val_range":[{"units":"REAL","min":"1","max":"9"}],"var_sumstat":[{"value":"128","type":"vald"},{"value":"908","type":"invd"}],"var_catgry":[{"value":"1","labl":"If a bank goes bankrupt","stats":"0","type":"freq"},{"value":"2","labl":"Shares of an investment fall significantly","stats":"94","type":"freq"},{"value":"3","labl":"Shares of a private company fall significantly","stats":"17","type":"freq"},{"value":"4","labl":"Apartment prices drop at the time when one needs to ...","stats":"17","type":"freq"},{"value":"5","labl":"None of the above","stats":"0","type":"freq"},{"value":"9","labl":"Don\u2019t know","stats":"0","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"908","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V121","name":"P30_3","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"222","var_end_pos":"222","var_width":"1","var_rec_seg_no":"1","labl":"P30_3. In which of the...should individual financial market losses be compensate","var_qstn_qstnlit":"In which of the following cases it is appropriate for the government to compensate individuals for the losses on the financial market?","var_qstn_postqtxt":"Multiple responses possible","var_val_range":[{"units":"REAL","min":"1","max":"9"}],"var_sumstat":[{"value":"44","type":"vald"},{"value":"992","type":"invd"}],"var_catgry":[{"value":"1","labl":"If a bank goes bankrupt","stats":"0","type":"freq"},{"value":"2","labl":"Shares of an investment fall significantly","stats":"0","type":"freq"},{"value":"3","labl":"Shares of a private company fall significantly","stats":"42","type":"freq"},{"value":"4","labl":"Apartment prices drop at the time when one needs to ...","stats":"2","type":"freq"},{"value":"5","labl":"None of the above","stats":"0","type":"freq"},{"value":"9","labl":"Don\u2019t know","stats":"0","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"992","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V122","name":"P30_4","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"223","var_end_pos":"223","var_width":"1","var_rec_seg_no":"1","labl":"P30_4. In which of the...should individual financial market losses be compensate","var_qstn_qstnlit":"In which of the following cases it is appropriate for the government to compensate individuals for the losses on the financial market?","var_qstn_postqtxt":"Multiple responses possible","var_val_range":[{"units":"REAL","min":"1","max":"9"}],"var_sumstat":[{"value":"21","type":"vald"},{"value":"1015","type":"invd"}],"var_catgry":[{"value":"1","labl":"If a bank goes bankrupt","stats":"0","type":"freq"},{"value":"2","labl":"Shares of an investment fall significantly","stats":"0","type":"freq"},{"value":"3","labl":"Shares of a private company fall significantly","stats":"0","type":"freq"},{"value":"4","labl":"Apartment prices drop at the time when one needs to ...","stats":"21","type":"freq"},{"value":"5","labl":"None of the above","stats":"0","type":"freq"},{"value":"9","labl":"Don\u2019t know","stats":"0","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"1015","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V123","name":"P31","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"224","var_end_pos":"224","var_width":"1","var_rec_seg_no":"1","labl":"P31. Which of the following statements correctly describes the role of a guaranto","var_qstn_qstnlit":"Which of the following statements correctly describes the role of a guarantor?","var_val_range":[{"units":"REAL","min":"1","max":"9"}],"var_sumstat":[{"value":"1036","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"A guarantor assists the borrower to fulfil the conditions...","stats":"165","type":"freq"},{"value":"2","labl":"A bank may collect the borrower\u2019s outstanding liabilities...","stats":"845","type":"freq"},{"value":"8","labl":"Don\u2019t know","stats":"0","type":"freq"},{"value":"9","labl":null,"stats":"26","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V124","name":"P32","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"225","var_end_pos":"225","var_width":"1","var_rec_seg_no":"1","labl":"P32. Which of the following statements correctly describes the role of a promisso","var_qstn_qstnlit":"Which of the following statements correctly describes the role of a promissory note as a loan guarantee instrument? \n1 - A promissory note allows the bank to collect its claims by selling all debtor's assets if necessary \n2 - A promissory note allows the bank to collect its claims only from current revenues \n9 - Don't know (DON'T READ)","var_val_range":[{"units":"REAL","min":"1","max":"9"}],"var_sumstat":[{"value":"1036","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"A promissory note allows the bank to collect its claims ...","stats":"457","type":"freq"},{"value":"2","labl":"A promissory note allows the bank to collect its claims ...","stats":"464","type":"freq"},{"value":"8","labl":"Don\u2019t know","stats":"0","type":"freq"},{"value":"9","labl":null,"stats":"115","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V125","name":"P33","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"226","var_end_pos":"226","var_width":"1","var_rec_seg_no":"1","labl":"P33. Does the loan currency clause reduce more the risk of the bank or of the bor","var_qstn_qstnlit":"Does the loan currency clause reduce more the risk of the bank or of the borrower?","var_val_range":[{"units":"REAL","min":"1","max":"9"}],"var_sumstat":[{"value":"1036","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"It reduces the bank\u2019s risk","stats":"601","type":"freq"},{"value":"2","labl":"It reduces the borrower\u2019s risk","stats":"272","type":"freq"},{"value":"8","labl":"Don\u2019t know","stats":"0","type":"freq"},{"value":"9","labl":null,"stats":"163","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V126","name":"P34","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"227","var_end_pos":"227","var_width":"1","var_rec_seg_no":"1","labl":"P34. Is a revolving credit card the same as the credit card?","var_qstn_qstnlit":"Is a revolving credit card the same as the credit card?","var_val_range":[{"units":"REAL","min":"1","max":"9"}],"var_sumstat":[{"value":"1036","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":"494","type":"freq"},{"value":"2","labl":"No","stats":"326","type":"freq"},{"value":"8","labl":"No answer","stats":"0","type":"freq"},{"value":"9","labl":"Don't know","stats":"216","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V127","name":"P35","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"228","var_end_pos":"228","var_width":"1","var_rec_seg_no":"1","labl":"P35. Is the following statement true or false: \u2018going in red\u2019 on the current acco","var_qstn_qstnlit":"Is the following statement true or false: 'going in red' on the current account is the most favourable form of consumer credit?","var_val_range":[{"units":"REAL","min":"1","max":"9"}],"var_sumstat":[{"value":"1036","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"True","stats":"605","type":"freq"},{"value":"2","labl":"False","stats":"307","type":"freq"},{"value":"8","labl":"Don\u2019t know","stats":"0","type":"freq"},{"value":"9","labl":null,"stats":"124","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V128","name":"P36","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"229","var_end_pos":"229","var_width":"1","var_rec_seg_no":"1","labl":"P36. In your family do you usually have a financial plan, thus you know how to co","var_qstn_qstnlit":"In your family do you usually have a financial plan, thus you know how to cover current monthly expenses?","var_val_range":[{"units":"REAL","min":"1","max":"9"}],"var_sumstat":[{"value":"1036","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":"627","type":"freq"},{"value":"2","labl":"No","stats":"392","type":"freq"},{"value":"9","labl":"Don't know","stats":"17","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V129","name":"P37","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"230","var_end_pos":"230","var_width":"1","var_rec_seg_no":"1","labl":"P37. Is your family used to keeping records of income and expenditures?","var_qstn_qstnlit":"Is your family used to keeping records of income and expenditures?\n1. Yes, we keep records of everything, entering all revenues and all expenditures \t\n2. Yes, we keep records of everything, but not all revenues and expenditures are entered \t\n3. No, we don't keep records of everything, but we know in general how much money is received and spent during a month. \t\n4. No, we don't keep records of family's resources, and we don't have even a vague idea of how much money is received and spent during a month \t\n9. Don't know","var_val_range":[{"units":"REAL","min":"1","max":"9"}],"var_sumstat":[{"value":"1036","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes, we keep records of everything, entering all revenues...","stats":"370","type":"freq"},{"value":"2","labl":"Yes, we keep records of everything, but not all revenues ...","stats":"219","type":"freq"},{"value":"3","labl":"No, we don\u2019t keep records of everything, but we know in ...","stats":"374","type":"freq"},{"value":"4","labl":"No, we don\u2019t keep records of family\u2019s resources, and we ...","stats":"52","type":"freq"},{"value":"9","labl":"Don\u2019t know","stats":"21","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V130","name":"P38a","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"231","var_end_pos":"231","var_width":"1","var_rec_seg_no":"1","labl":"P38a. How often...had money unspent from month to month","var_qstn_qstnlit":"How often during the last 12 months your household: had money unspent from month to month","var_val_range":[{"units":"REAL","min":"1","max":"9"}],"var_sumstat":[{"value":"1036","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Never","stats":"452","type":"freq"},{"value":"2","labl":"Once a year or less","stats":"118","type":"freq"},{"value":"3","labl":"Every half a year","stats":"124","type":"freq"},{"value":"4","labl":"Once every 3 months","stats":"163","type":"freq"},{"value":"5","labl":"Every month","stats":"115","type":"freq"},{"value":"9","labl":"Don\u2019t know","stats":"64","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V131","name":"P38b","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"232","var_end_pos":"232","var_width":"1","var_rec_seg_no":"1","labl":"P38b. How often...remained without money from month to month","var_qstn_qstnlit":"How often during the last 12 months your household: remained without money from month to month","var_val_range":[{"units":"REAL","min":"1","max":"9"}],"var_sumstat":[{"value":"1036","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Never","stats":"402","type":"freq"},{"value":"2","labl":"Once a year or less","stats":"181","type":"freq"},{"value":"3","labl":"Every half a year","stats":"140","type":"freq"},{"value":"4","labl":"Once every 3 months","stats":"181","type":"freq"},{"value":"5","labl":"Every month","stats":"104","type":"freq"},{"value":"9","labl":"Don\u2019t know","stats":"28","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V132","name":"P38c","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"233","var_end_pos":"233","var_width":"1","var_rec_seg_no":"1","labl":"P38c. How often...spent in a month exactly the money earned in the previous mont","var_qstn_qstnlit":"How often during the last 12 months your household: spent in a month exactly the money earned in the previous month","var_qstn_postqtxt":"If money spent = money earned always or very often (codes 5 and 4 at P38c) ? GO TO P41 \nIf left without money always or very often (codes 5 and 4 at P38b) ? GO TO P40 \nIf money remains unspent always or very often (codes 5 and 4 at P38a) ? 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We spend it on consumer goods","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"278","type":"vald"},{"value":"758","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":"122","type":"freq"},{"value":"2","labl":"No","stats":"156","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"758","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V134","name":"P39b","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"235","var_end_pos":"235","var_width":"1","var_rec_seg_no":"1","labl":"P39b. When household has unspent money...We keep it in cash","var_qstn_qstnlit":"When your household remains with unspent money from month to month, generally what do you do with them? We keep it in cash","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"278","type":"vald"},{"value":"758","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":"186","type":"freq"},{"value":"2","labl":"No","stats":"92","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"758","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V135","name":"P39c","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"236","var_end_pos":"236","var_width":"1","var_rec_seg_no":"1","labl":"P39c. When household has unspent money...We deposit or don't withdraw it","var_qstn_qstnlit":"When your household remains with unspent money from month to month, generally what do you do with them? 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We spend it for children\u2019s education","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"278","type":"vald"},{"value":"758","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":"66","type":"freq"},{"value":"2","labl":"No","stats":"212","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"758","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V143","name":"P39k","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"244","var_end_pos":"244","var_width":"1","var_rec_seg_no":"1","labl":"P39k. When household has unspent money...We spend it on health care","var_qstn_qstnlit":"When your household remains with unspent money from month to month, generally what do you do with them? We spend it on health care","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"278","type":"vald"},{"value":"758","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":"48","type":"freq"},{"value":"2","labl":"No","stats":"230","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"758","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V144","name":"P39l","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"245","var_end_pos":"245","var_width":"1","var_rec_seg_no":"1","labl":"P39i. Is there any other way how you dispose with money from the previous month a","var_qstn_qstnlit":"Is there any other way how you dispose with money from the previous month and which?","var_val_range":[{"units":"REAL","min":"1","max":"4"}],"var_sumstat":[{"value":"278","type":"vald"},{"value":"758","type":"invd"}],"var_catgry":[{"value":"1","labl":"Interior design of apartment\/house","stats":"9","type":"freq"},{"value":"2","labl":"Education","stats":"1","type":"freq"},{"value":"3","labl":"Vacation","stats":"3","type":"freq"},{"value":"4","labl":"No","stats":"265","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"758","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V145","name":"P40a","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"246","var_end_pos":"246","var_width":"1","var_rec_seg_no":"1","labl":"P40a. When household runs out of money...We cut down expenses","var_qstn_qstnlit":"When your household runs out of money from month to month, generally, what do you do? We cut down expenses","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"285","type":"vald"},{"value":"751","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":"229","type":"freq"},{"value":"2","labl":"No","stats":"56","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"751","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V146","name":"P40b","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"247","var_end_pos":"247","var_width":"1","var_rec_seg_no":"1","labl":"P40b. When household runs out of money...We borrow money from relatives, etc","var_qstn_qstnlit":"When your household runs out of money from month to month, generally, what do you do? We borrow money from relatives, etc","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"285","type":"vald"},{"value":"751","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":"143","type":"freq"},{"value":"2","labl":"No","stats":"142","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"751","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V147","name":"P40c","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"248","var_end_pos":"248","var_width":"1","var_rec_seg_no":"1","labl":"P40c. When household runs out of money...We buy on credit from shops","var_qstn_qstnlit":"When your household runs out of money from month to month, generally, what do you do? We buy on credit from shops","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"285","type":"vald"},{"value":"751","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":"45","type":"freq"},{"value":"2","labl":"No","stats":"240","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"751","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V148","name":"P40d","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"249","var_end_pos":"249","var_width":"1","var_rec_seg_no":"1","labl":"P40d. When household runs out of money...We borrow from non-banking fin. inst.","var_qstn_qstnlit":"When your household runs out of money from month to month, generally, what do you do? We borrow from non-banking fin. inst.","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"285","type":"vald"},{"value":"751","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":"19","type":"freq"},{"value":"2","labl":"No","stats":"266","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"751","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V149","name":"P40e","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"250","var_end_pos":"250","var_width":"1","var_rec_seg_no":"1","labl":"P40e. When household runs out of money...We pawn jewellery or other goods","var_qstn_qstnlit":"When your household runs out of money from month to month, generally, what do you do? We pawn jewellery or other goods","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"285","type":"vald"},{"value":"751","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":"10","type":"freq"},{"value":"2","labl":"No","stats":"275","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"751","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V150","name":"P40f","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"251","var_end_pos":"251","var_width":"1","var_rec_seg_no":"1","labl":"P40f. When household runs out of money...We spend our savings in KM","var_qstn_qstnlit":"When your household runs out of money from month to month, generally, what do you do? We spend our savings in KM","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"285","type":"vald"},{"value":"751","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":"47","type":"freq"},{"value":"2","labl":"No","stats":"238","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"751","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V151","name":"P40g","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"252","var_end_pos":"252","var_width":"1","var_rec_seg_no":"1","labl":"P40g. When household runs out of money...We spend our savings in foreign currenc","var_qstn_qstnlit":"When your household runs out of money from month to month, generally, what do you do? We spend our savings in foreign currenc","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"285","type":"vald"},{"value":"751","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":"12","type":"freq"},{"value":"2","labl":"No","stats":"273","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"751","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V152","name":"P40h","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"253","var_end_pos":"253","var_width":"1","var_rec_seg_no":"1","labl":"P40h. When household runs out of money...We use a credit card","var_qstn_qstnlit":"When your household runs out of money from month to month, generally, what do you do? We use a credit card","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"285","type":"vald"},{"value":"751","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":"27","type":"freq"},{"value":"2","labl":"No","stats":"258","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"751","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V153","name":"P40i","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"254","var_end_pos":"254","var_width":"1","var_rec_seg_no":"1","labl":"P40i. When household runs out of money...We work extra hours or additional jobs","var_qstn_qstnlit":"When your household runs out of money from month to month, generally, what do you do? We work extra hours or additional jobs","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"285","type":"vald"},{"value":"751","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":"104","type":"freq"},{"value":"2","labl":"No","stats":"181","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"751","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V154","name":"P40j","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"255","var_end_pos":"255","var_width":"1","var_rec_seg_no":"1","labl":"P40j. Is there any other way that you get by when you run out of money in between","var_qstn_qstnlit":"Is there any other way that you get by when you run out of money in between two months?","var_val_range":[{"units":"REAL","min":"1","max":"9"}],"var_sumstat":[{"value":"285","type":"vald"},{"value":"751","type":"invd"}],"var_catgry":[{"value":"1","labl":"Sometimes","stats":"1","type":"freq"},{"value":"2","labl":"No","stats":"77","type":"freq"},{"value":"9","labl":"No answer","stats":"207","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"751","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V155","name":"P41_1","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"256","var_end_pos":"257","var_width":"2","var_rec_seg_no":"1","labl":"P41_1. Please tell...reason for families you know who suddenly had fin. problems","var_qstn_qstnlit":"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? \n1. Yes, because someone in the household has lost his job due to financial crisis \t\n2. Yes, because of unfortunate series of events (a sudden death or loss of a job by a breadwinner, a divorce, an accident, etc.) \t\n3. Yes, because of a wrong money management or lack of ability to plan its finances (they were buying too much, took too many credits, did not plan their future, lived for the moment, etc.) \t\n4. Yes, they could not repay their own, or other people's, loans  \n5. Yes, other...............\n6. I do not know such families  99. Don't know","var_qstn_postqtxt":"Multiple responses possible","var_val_range":[{"units":"REAL","min":"1","max":"99"}],"var_sumstat":[{"value":"1036","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes, because someone in the household has lost his job ...","stats":"363","type":"freq"},{"value":"2","labl":"Yes, because of unfortunate series of events","stats":"118","type":"freq"},{"value":"3","labl":"Yes, because of a wrong money management or lack of ...","stats":"200","type":"freq"},{"value":"4","labl":"Yes, they could not repay their own, or other people\u2019s ...","stats":"171","type":"freq"},{"value":"5","labl":"Yes, other","stats":"0","type":"freq"},{"value":"6","labl":"I do not know such families","stats":"141","type":"freq"},{"value":"9","labl":"Don\u2019t know","stats":"0","type":"freq"},{"value":"99","labl":null,"stats":"43","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V156","name":"P41_2","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"258","var_end_pos":"258","var_width":"1","var_rec_seg_no":"1","labl":"P41_2. Please tell...reason for families you know who suddenly had fin. problems","var_qstn_qstnlit":"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? \n1. Yes, because someone in the household has lost his job due to financial crisis \t\n2. Yes, because of unfortunate series of events (a sudden death or loss of a job by a breadwinner, a divorce, an accident, etc.) \t\n3. Yes, because of a wrong money management or lack of ability to plan its finances (they were buying too much, took too many credits, did not plan their future, lived for the moment, etc.) \t\n4. Yes, they could not repay their own, or other people's, loans  \n5. Yes, other...............\n6. I do not know such families  99. Don't know","var_qstn_postqtxt":"Multiple responses possible","var_val_range":[{"units":"REAL","min":"1","max":"9"}],"var_sumstat":[{"value":"138","type":"vald"},{"value":"898","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes, because someone in the household has lost his job ...","stats":"0","type":"freq"},{"value":"2","labl":"Yes, because of unfortunate series of events","stats":"48","type":"freq"},{"value":"3","labl":"Yes, because of a wrong money management or lack of ...","stats":"30","type":"freq"},{"value":"4","labl":"Yes, they could not repay their own, or other people\u2019s ...","stats":"60","type":"freq"},{"value":"5","labl":"Yes, other","stats":"0","type":"freq"},{"value":"6","labl":"I do not know such families","stats":"0","type":"freq"},{"value":"9","labl":"Don\u2019t know","stats":"0","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"898","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V157","name":"P41_3","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"259","var_end_pos":"259","var_width":"1","var_rec_seg_no":"1","labl":"P41_3. Please tell...reason for families you know who suddenly had fin. problems","var_qstn_qstnlit":"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? \n1. Yes, because someone in the household has lost his job due to financial crisis \t\n2. Yes, because of unfortunate series of events (a sudden death or loss of a job by a breadwinner, a divorce, an accident, etc.) \t\n3. Yes, because of a wrong money management or lack of ability to plan its finances (they were buying too much, took too many credits, did not plan their future, lived for the moment, etc.) \t\n4. Yes, they could not repay their own, or other people's, loans  \n5. Yes, other...............\n6. I do not know such families  99. Don't know","var_qstn_postqtxt":"Multiple responses possible","var_val_range":[{"units":"REAL","min":"1","max":"9"}],"var_sumstat":[{"value":"45","type":"vald"},{"value":"991","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes, because someone in the household has lost his job ...","stats":"0","type":"freq"},{"value":"2","labl":"Yes, because of unfortunate series of events","stats":"0","type":"freq"},{"value":"3","labl":"Yes, because of a wrong money management or lack of ...","stats":"19","type":"freq"},{"value":"4","labl":"Yes, they could not repay their own, or other people\u2019s ...","stats":"26","type":"freq"},{"value":"5","labl":"Yes, other","stats":"0","type":"freq"},{"value":"6","labl":"I do not know such families","stats":"0","type":"freq"},{"value":"9","labl":"Don\u2019t know","stats":"0","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"991","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V158","name":"P41_4","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"260","var_end_pos":"260","var_width":"1","var_rec_seg_no":"1","labl":"P41_4. Please tell...reason for families you know who suddenly had fin. problems","var_qstn_qstnlit":"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? \n1. Yes, because someone in the household has lost his job due to financial crisis \t\n2. Yes, because of unfortunate series of events (a sudden death or loss of a job by a breadwinner, a divorce, an accident, etc.) \t\n3. Yes, because of a wrong money management or lack of ability to plan its finances (they were buying too much, took too many credits, did not plan their future, lived for the moment, etc.) \t\n4. Yes, they could not repay their own, or other people's, loans  \n5. Yes, other...............\n6. I do not know such families  99. Don't know","var_qstn_postqtxt":"Multiple responses possible","var_val_range":[{"units":"REAL","min":"1","max":"9"}],"var_sumstat":[{"value":"17","type":"vald"},{"value":"1019","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes, because someone in the household has lost his job ...","stats":"0","type":"freq"},{"value":"2","labl":"Yes, because of unfortunate series of events","stats":"0","type":"freq"},{"value":"3","labl":"Yes, because of a wrong money management or lack of ...","stats":"0","type":"freq"},{"value":"4","labl":"Yes, they could not repay their own, or other people\u2019s ...","stats":"17","type":"freq"},{"value":"5","labl":"Yes, other","stats":"0","type":"freq"},{"value":"6","labl":"I do not know such families","stats":"0","type":"freq"},{"value":"9","labl":"Don\u2019t know","stats":"0","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"1019","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V159","name":"P41_5","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"261","var_end_pos":"261","var_width":"1","var_rec_seg_no":"1","labl":"P41_5. Please tell...reason for families you know who suddenly had fin. problems","var_qstn_qstnlit":"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? \n1. Yes, because someone in the household has lost his job due to financial crisis \t\n2. Yes, because of unfortunate series of events (a sudden death or loss of a job by a breadwinner, a divorce, an accident, etc.) \t\n3. Yes, because of a wrong money management or lack of ability to plan its finances (they were buying too much, took too many credits, did not plan their future, lived for the moment, etc.) \t\n4. Yes, they could not repay their own, or other people's, loans  \n5. Yes, other...............\n6. I do not know such families  99. Don't know","var_qstn_postqtxt":"Multiple responses possible","var_val_range":[{"units":"REAL","min":"1","max":"9"}],"var_sumstat":[{"value":"0","type":"vald"},{"value":"1036","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes, because someone in the household has lost his job ...","stats":"0","type":"freq"},{"value":"2","labl":"Yes, because of unfortunate series of events","stats":"0","type":"freq"},{"value":"3","labl":"Yes, because of a wrong money management or lack of ...","stats":"0","type":"freq"},{"value":"4","labl":"Yes, they could not repay their own, or other people\u2019s ...","stats":"0","type":"freq"},{"value":"5","labl":"Yes, other","stats":"0","type":"freq"},{"value":"6","labl":"I do not know such families","stats":"0","type":"freq"},{"value":"9","labl":"Don\u2019t know","stats":"0","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"1036","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V160","name":"P42","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"262","var_end_pos":"262","var_width":"1","var_rec_seg_no":"1","labl":"P42. Did you household experience an unexpected significant reduction of your inc","var_qstn_qstnlit":"Did you household experience an unexpected significant reduction of your income over the last three years?","var_qstn_postqtxt":"If No --> GO TO P43","var_val_range":[{"units":"REAL","min":"1","max":"9"}],"var_sumstat":[{"value":"1036","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":"432","type":"freq"},{"value":"2","labl":"No","stats":"598","type":"freq"},{"value":"9","labl":"Don't know","stats":"6","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V161","name":"P42A_a","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"263","var_end_pos":"263","var_width":"1","var_rec_seg_no":"1","labl":"P42A_a. What was the reason\u2026Loss of employment due to economic crisis","var_qstn_preqtxt":"If Yes (code 1 at P42)","var_qstn_qstnlit":"What was the reason for this reduction of your income? Loss of employment due to economic crisis","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"438","type":"vald"},{"value":"598","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":"185","type":"freq"},{"value":"2","labl":"No","stats":"253","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"598","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V162","name":"P42A_b","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"264","var_end_pos":"264","var_width":"1","var_rec_seg_no":"1","labl":"P42A_b. What was the reason\u2026Loss of employment because of an accident, illness,","var_qstn_preqtxt":"If Yes (code 1 at P42)","var_qstn_qstnlit":"What was the reason for this reduction of your income? Loss of employment because of an accident, illness or disability","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"438","type":"vald"},{"value":"598","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":"47","type":"freq"},{"value":"2","labl":"No","stats":"391","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"598","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V163","name":"P42A_c","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"265","var_end_pos":"265","var_width":"1","var_rec_seg_no":"1","labl":"P42A_c. What was the reason\u2026Considerable reduction of salary\/delay of wage payme","var_qstn_preqtxt":"If Yes (code 1 at P42)","var_qstn_qstnlit":"What was the reason for this reduction of your income? Considerable reduction of salary, or delays with salary payment","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"438","type":"vald"},{"value":"598","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":"229","type":"freq"},{"value":"2","labl":"No","stats":"209","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"598","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V164","name":"P42A_d","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"266","var_end_pos":"266","var_width":"1","var_rec_seg_no":"1","labl":"P42A_d. What was the reason\u2026Breakup, separation or divorce","var_qstn_preqtxt":"If Yes (code 1 at P42)","var_qstn_qstnlit":"What was the reason for this reduction of your income? Breakup, separation or divorce","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"438","type":"vald"},{"value":"598","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":"11","type":"freq"},{"value":"2","labl":"No","stats":"427","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"598","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V165","name":"P42A_e","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"267","var_end_pos":"267","var_width":"1","var_rec_seg_no":"1","labl":"P42A_e. What was the reason\u2026Retirement of the main breadwinner","var_qstn_preqtxt":"If Yes (code 1 at P42)","var_qstn_qstnlit":"What was the reason for this reduction of your income? Retirement of the main breadwinner","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"438","type":"vald"},{"value":"598","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":"34","type":"freq"},{"value":"2","labl":"No","stats":"404","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"598","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V166","name":"P42A_f","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"268","var_end_pos":"268","var_width":"1","var_rec_seg_no":"1","labl":"P42A_f. What was the reason\u2026Other (STATE WHAT REASON)","var_qstn_preqtxt":"If Yes (code 1 at P42)","var_qstn_qstnlit":"What was the reason for this reduction of your income? 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How did you manage\u2026We cut down costs","var_qstn_qstnlit":"How did you manage to make the ends meet when your income suddenly dropped? We cut down COSTS","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"438","type":"vald"},{"value":"598","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":"400","type":"freq"},{"value":"2","labl":"No","stats":"38","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"598","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V169","name":"P42B_b","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"272","var_end_pos":"272","var_width":"1","var_rec_seg_no":"1","labl":"P42B_b. How did you manage\u2026We borrowed money from relatives, friends, etc.","var_qstn_qstnlit":"How did you manage to make the ends meet when your income suddenly dropped? 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Other (STATE WHAT)","var_val_range":[{"units":"REAL","min":"1","max":"2"}],"var_sumstat":[{"value":"438","type":"vald"},{"value":"598","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":"1","type":"freq"},{"value":"2","labl":"No","stats":"437","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"598","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V178","name":"P42B_j_other","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"281","var_end_pos":"281","var_width":"1","var_rec_seg_no":"1","labl":"P42B_j. Other...(verbatim)","var_qstn_qstnlit":"How did you manage to make the ends meet when your income suddenly dropped? Other (STATE WHAT)","var_val_range":[{"units":"REAL","min":"1","max":"1"}],"var_sumstat":[{"value":"1","type":"vald"},{"value":"1035","type":"invd"}],"var_catgry":[{"value":"1","labl":"Sell land","stats":"1","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"1035","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V179","name":"P43","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"282","var_end_pos":"282","var_width":"1","var_rec_seg_no":"1","labl":"P43. How often during the last 12 months your household had to borrow to pay back","var_qstn_qstnlit":"How often during the last 12 months your household had to borrow to pay back your other debts?","var_val_range":[{"units":"REAL","min":"1","max":"9"}],"var_sumstat":[{"value":"1036","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Never","stats":"669","type":"freq"},{"value":"2","labl":"Once a year or less","stats":"130","type":"freq"},{"value":"3","labl":"Once in 6 months","stats":"107","type":"freq"},{"value":"4","labl":"Once in 3 months","stats":"70","type":"freq"},{"value":"5","labl":"Every month","stats":"17","type":"freq"},{"value":"9","labl":"Don\u2019t know","stats":"43","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V180","name":"P44A","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"283","var_end_pos":"283","var_width":"1","var_rec_seg_no":"1","labl":"P44. Would you please say whether your household has any debts now apart from lon","var_qstn_qstnlit":"Would you please say whether your household has any debts now apart from long-term loan\/credits?","var_qstn_postqtxt":"Without instalments for credits\/loans \nIf NO --> GO TO P45","var_val_range":[{"units":"REAL","min":"1","max":"9"}],"var_sumstat":[{"value":"1036","type":"vald"},{"value":"0","type":"invd"}],"var_catgry":[{"value":"1","labl":"Yes","stats":"86","type":"freq"},{"value":"2","labl":"No","stats":"920","type":"freq"},{"value":"9","labl":"Don't know","stats":"30","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V181","name":"P44B","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"284","var_end_pos":"284","var_width":"1","var_rec_seg_no":"1","labl":"P44B. Comparing to your total monthly household income, approximately how much mo","var_qstn_preqtxt":"If Yes in P44A ask:","var_qstn_qstnlit":"Comparing to your total monthly household income, approximately how much money is allocated to the repayment of debts apart from long-term loans?","var_qstn_postqtxt":"Without loan instalments","var_val_range":[{"units":"REAL","min":"1","max":"9"}],"var_sumstat":[{"value":"116","type":"vald"},{"value":"920","type":"invd"}],"var_catgry":[{"value":"1","labl":"Less than the monthly income","stats":"40","type":"freq"},{"value":"2","labl":"approx. 1-2 monthly incomes","stats":"20","type":"freq"},{"value":"3","labl":"approx. 2-3","stats":"12","type":"freq"},{"value":"4","labl":"approx. 4-6","stats":"11","type":"freq"},{"value":"5","labl":"approx. 7-12 monthly incomes","stats":"5","type":"freq"},{"value":"6","labl":"More than the annual income","stats":"1","type":"freq"},{"value":"9","labl":"Don\u2019t know","stats":"27","type":"freq"},{"value":"Sysmiss","labl":null,"stats":"920","type":"freq"}],"var_format":"numeric","var_format_schema":"other","fid":"F1"},{"vid":"V182","name":"P45_1","file_id":"F1","var_dcml":"0","var_intrvl":"discrete","var_start_pos":"285","var_end_pos":"286","var_width":"2","var_rec_seg_no":"1","labl":"P45. Let\u2019s assume that in addition to your regular income your family receives 25","var_qstn_qstnlit":"Let's assume that in addition to your regular income your family receives 25,000 KM, or approximately 12,500 Euro. 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Let\u2019s assume that in addition to your regular income your family receives 25","var_qstn_qstnlit":"Let's assume that in addition to your regular income your family receives 25,000 KM, or approximately 12,500 Euro. 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Let\u2019s assume that in addition to your regular income your family receives 25","var_qstn_qstnlit":"Let's assume that in addition to your regular income your family receives 25,000 KM, or approximately 12,500 Euro. 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