DDI_ROU_2010_FLS_v01_M_WB 2012-04-30 NADA Financial Literacy and Financial Services Survey 2010 FLS 2010 ROU_2010_FLS_v01_M Institute for World Economy (Romanian Academy) NADA World Bank Other Household Survey [hh/oth] Other reviews of consumer protection and financial literacy have been prepared (in chronological order) for the Czech Republic, Slovakia, Azerbaijan, Croatia, the Russian Federation, Lithuania and Bulgaria. The set of published reviews can be downloaded at www.worldbank.org/eca/consumerprotection. The survey is the follow-up of the Diagnostic Review on Consumer Protection and Financial Literacy conducted by the World Bank in 2008-2009. The Diagnostic Review in Romania was the fourth in a World Bank-sponsored pilot program to assess consumer protection and financial literacy in developing and middle-income countries.1 The objectives of this Review were three-fold to: (1) refine a set of good practices for assessing consumer protection and financial literacy, including financial literacy; (2) conduct a review of the existing rules and practices in Romania compared to the good practices; and (3) provide recommendations on ways to improve consumer protection and financial literacy in Romania. The Diagnostic Review was prepared at the request of the National Authority for Consumers' Protection (ANPC), whose request was endorsed by the Ministry of Economy and Finance. Support was provided by the National Bank of Romania (BNR), which supervises banks and non-bank credit institutions. Further assistance was given by the supervisory commissions for securities (CNVM), insurance (CSA) and private pensions (CSSPP). The Diagnostic Review found that the basic foundations needed for consumer protection and financial literacy are in place in Romania but they benefit from further strengthening support. The Review proposes improvements in six areas: consumer awareness, information and disclosure for consumers, professional competence, dispute resolution, financial education and financial literacy surveys. Consequently, in 2010 the World Bank commissioned a nation-wide survey of the levels of financial literacy. A consultant (sociologist Manuela Sofia Stanculescu) developed the survey methodology (sampling methodology and questionnaire) in line with the Financial Literacy Survey in Russia (the World Bank, 2008) and the baseline survey Financial Capability in the UK (Financial Services Authority, 2005).2 The final form of the questionnaire was agreed with representatives of the National Bank of Romania (BNR), the Romanian Banking Institute (IBR), the National Authority for Consumers' Protection (ANPC), and the Financial Companies Association in Romania (ALB). The Institute for World Economy (Romanian Academy) collected the data in May 2010. The main objective of this work is the establishment (and later the evaluation) of a well targeted national program of financial education. Romania National Household, individual Non-institutionalized persons aged 18 or older Sample survey data [ssd] The sample of the survey is probabilistic, two-stage, stratified, representative at national level with an error of +/- 3% at a 95% confidence level. The sample is based on two stratification criteria: (i) historical region (8 regions) and (ii) type of locality (7 types depending on the city size, in urban areas, and on the synthetic index of community development,4 in the rural ones). The sample volume is 2048,5 out of which 148 cases represent a boost of persons aged 16, 17 or those had their 18th birthday after November 2009.6 Respondents were randomly selected from electoral registers corresponding to 185 voting sections (randomly selected), located in 141 localities (77 communes, 63 towns/cities and the capital Bucharest). The sample includes a slight over-representation of men, rural respondents, and elderly particularly due to the boost of young but also to the fact that people left abroad concentrate among the 25-44 age category. Nevertheless, the sample fairly reproduces the structure (by gender, age categories and area of residence) of the country population 16+ years according to the data for 2009 provided by the National Institute for Statistics. Socio-demographic structure of the sample is presented in table 3 of the survey report. Demographic data and data regarding the use of financial services were collected for all members of respondents? households. In the respondents? households live 5406 persons overall. This extended sample has also a slight over-representation of rural respondents and an under-representation of children (0-14 years) and persons 25-24 years (most probably young people who left abroad with children). MORE INFORMATION ON THE SAMPLING METHODOLOGY Sample volume: 2,200 non-institutionalized persons aged 18 or older. In addition, the sample will be boosted with 180 persons aged 16-18 years old. Overall, at least 2,000 valid questionnaires should be completed during fieldwork. Type of the sample: Probabilistic, two-stage, stratified, representative at national level, with an error of +/- 2.8% at a 95% confidence level. Stratification criteria: The sampling scheme is based on two stratification criteria (a) Historical region (8 regions) (b) Type of locality, with 7 theoretical strata i. Urban areas - 4 strata 1. very small towns under 30 thou inhabitants 2. small towns 30,001-100 thou inhabitants 3. medium cities 100,001-199 thou inhabitants 4. large cities 200 thou inhabitants or more ii. Rural areas - 3 strata determined based on the synthetic index of community development 37 1. poor communes (the 30% communes with the lowest level of development within the country) 2. medium developed communes 3. developed communes (the 30% communes with the highest level of development within the country). Sampling stages: The sampling scheme includes two stages. Sampling units: There are two sampling units corresponding to the two sampling stages. In the first sampling stage, voting sections are selected and in the second stage, non-institutionalized persons aged 18 years or more. Selection: Random selection in all sampling stages. Sampling scheme: In the first stage the sample is distributed proportionally with the volume of population for each of the 56(= 8 x 7) theoretical strata different from zero. The corresponding number of voting sections for each strata is determined taking into account on the one hand, the volume of each strata sub-sample (= sample size x share of total population in that strata) and, on the other hand, a minimum level of 10 questionnaires for each sampling point. The voting sections which will represent sampling points are then randomly selected based on the exhaustive national list of voting sections (the latest available from the Permanent Electoral Authority). The sample has 188 sampling points (voting sections) of which 104 are in urban areas, and 84 are in rural localities, including the capital city. For each sampling point is computed the number of corresponding questionnaires by dividing the strata sub-sample by the number of sampling points of that strata. In the second sampling stage, the electoral registers corresponding to the voting sections (selected as sampling points) are used as sampling frame. Non-institutionalized persons aged 18 or more are randomly selected from the electoral registers based on the mechanical step method. In those localities where the electoral registers are not available (or the municipality do not grant access), the random route method will be used. All these cases will be specified and explained in the fieldwork report, except for Bucharest, where the random route method will be used for all voting sections, as the rate of replacement from electoral registers is high in all national representative surveys. The electoral registers include only persons 18 years or more. Accordingly, the sample will include a boost of persons aged 16, 17 or persons that had their 18th birthday after November 2009.39 For each voting section, one person aged 16-18 years will be added. They will be selected based on the random route method. Face-to-face [f2f] Ensuring data quality - the consultant company trained the field interviewers regarding the sampling rules, with special attention paid to the individuals? selection and replacement. - for each person selected in the sample will be completed the first page of the questionnaire, which includes identification variables needed for computing the error. - replacement of persons is allowed only in the following cases: * The person does not live at the address mentioned in the electoral register or s/he is absent for the entire period of data collection * Interview refusal - for reducing the refusal rate, training and constant monitoring of the field interviewers is needed, particularly given the complexity of the questionnaire * Use the "three visits rule": a selected person can be replaced only after three visits at different hours and days, with at least one weekend day. Data used in the survey report are not weighted. The overall response rate of the survey is 95.2%. More detailed information is provided in "Table 2 Response rates and quality of the sampling frame by sampling method (%) " of the survey report. 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. Household_RO 1. This file contains all the data from the questionnaire in addition to 9 descriptive variables on the respondent's locality. 2. The information on each individual in each household asked in Sections E and F are available just for the first respondent in the household in this file. All the other data on the other individuals in each household is available in the dataset entitled Individual_RO. See Section E and F of the questionnaire. 3. There are two responses to question AO7: 1) AO7_A and AO7_B. Although respondents were supposed to have only one answer, there appear to be two. 4. There are some variables that have additional responses not listed in the questionnaire. These are: AO7_A and AO7_B - additional response is 6 or other ISF8_97 - additional response is 97 or don't know SF1 - SF6 - additional response is 19 or I don't use financial services 5. There is a variable that is in the questionnaire, but is currently not in the dataset. This variable is AO4. 6. The options of questions CSF2 contain a typo which has not been corrected in the final questionnaire and which significantly influenced the response pattern. Instead of "More than 18,000 lei", "Exactly 18,000 lei", "Less than 18,000 lei" the amount of "10,800" lei should have been mentioned. Every user, who is inclined to use the collected responses to this question CSF2 in any cross-country analysis, should be aware of this measurement error. 2389 310 Individual_RO This file contains the information on each individual in each household asked in Sections E and F are available for those that did not directly respond to the questionnaire. See Section E and F of the questionnaire. 5365 15 Questionnaire_ID Questionnaire_ID Questionnaire_ID Questionnaire_ID Questionnaire_ID 2389 1 2391 1196.001 690.615 Interview result Interview result Interview result Interview result Interview result 2389 1 interview accepted 2 refusal 3 person is not in the locality the entire month 4 person is abroad 5 person could not be contacted after 3 visits 6 person is impossible to be contacted (ex. deceased) 7 house non-occupied, does not exist etc 8 other situation Reponse to RI if respondent selected other Reponse to RI if respondent selected other Reponse to RI if respondent selected other Reponse to RI if respondent selected other Reponse to RI if respondent selected other 34 A Divorce and lives in another town Ancient of 91 years who does not hear and the only person in the household Arrested Disabled person Does not live in city Home in another locality Home in another town House sold In prison in Spain Laboratories Faculty of Forestry Living in another locality Moved to another county in the city Not living at this address People selected moved. Apartment rented to others Person did not respond to intercom Post Office Unidentified company farmland not a house moved from address moved houses not recognized person has only home and House in Cherry but lives in Calarasi vacant house Locality code Locality code Locality code Locality code Locality code 2389 9262 179481 102810.635 51994.634 Locality Locality Locality Locality Locality 2389 ALEXENI BARA BARCEA BARLA BICHIS BLEJESTI BORCEA BOSANCI BRABOVA BRANESTI BRANISTEA BREZNITA-OCOL BUNILA CAMPULUNG LA TISA CAMPURI CATA CHINTENI CHISLAZ CIOCANESTI CIORASTI COMUNA GRINDU COPACEL CORUND CREVEDIA MARE CRISTOLT CUMPANA DAMUC DARMANESTI DEVESEL DOBROSLOVENI DOLHESTI DRAGANESTI GALICEA GHERGHESTI GHIDIGENI GHINDARESTI HOLOD HUDESTI INDEPENDENTA LENAUHEIM LUNCA MAICANESTI MANECIU MARASU MARGINENI MARTINIS MODELU MUNICIPIUL ARAD MUNICIPIUL BACAU MUNICIPIUL BAIA MARE MUNICIPIUL BOTOSANI MUNICIPIUL BRAILA MUNICIPIUL BRASOV MUNICIPIUL BUCURESTI SECTORUL 1 MUNICIPIUL BUZAU MUNICIPIUL CAMPULUNG MUNICIPIUL CAMPULUNG MOLDOVENESC MUNICIPIUL CLUJ-NAPOCA MUNICIPIUL CONSTANTA MUNICIPIUL CRAIOVA MUNICIPIUL DEVA MUNICIPIUL DROBETA-TURNU SEVERIN MUNICIPIUL FETESTI MUNICIPIUL FOCSANI MUNICIPIUL GALATI MUNICIPIUL HUNEDOARA MUNICIPIUL IASI MUNICIPIUL LUGOJ MUNICIPIUL ODORHEIU SECUIESC MUNICIPIUL ORADEA MUNICIPIUL PITESTI MUNICIPIUL PLOIESTI MUNICIPIUL ROMAN MUNICIPIUL SATU MARE MUNICIPIUL SFANTU GHEORGHE MUNICIPIUL SIBIU MUNICIPIUL SIGHETU MARMATIEI MUNICIPIUL SLATINA MUNICIPIUL SUCEAVA MUNICIPIUL TARGOVISTE MUNICIPIUL TARGU JIU MUNICIPIUL TARGU MURES MUNICIPIUL TIMISOARA MUNICIPIUL TULCEA MUNICIPIUL TURDA MUNICIPIUL ZALAU NUCET OLANU ORAS CALAN ORAS CEHU SILVANIEI ORAS GURA HUMORULUI ORAS HARLAU ORAS HOREZU ORAS MIHAILESTI ORAS MIOVENI ORAS MURFATLAR ORAS NADLAC ORAS NAVODARI ORAS NUCET ORAS OTOPENI ORAS SANGEORGIU DE PADURE ORAS SANNICOLAU MARE ORAS SIMERIA ORAS SLANIC ORAS TARGU CARBUNESTI ORAS TAUTII-MAGHERAUS ORAS TOPOLOVENI ORAS TURCENI ORAS UNGHENI ORAS VIDELE PETELEA PETRACHIOAIA PETRESTI PLOPII-SLAVITESTI PORUMBACU DE JOS PREUTESTI PUNGHINA PUTINEIU RACOS RAFOV RUSCA MONTANA SANTAMARIA-ORLEA SECUIENI SECUSIGIU SIEU-MAGHERUS SOLONT SOTANGA STANISESTI STOENESTI TUGLUI VACULESTI VANATORI VIDRA VOINEASA ZAPODENI Code_voting section Code_voting section Code_voting section Code_voting section Code_voting section 2389 20070 520258 236202.293 128560.352 Sample type Sample type Sample type Sample type Sample type 2389 1 electoral list 2 random route 3 young 16-18 old Number_voting section Number_voting section Number_voting section Number_voting section Number_voting section 2389 3 1022 250.012 217.83 County_code County_code County_code County_code County_code 2389 2 52 23.595 12.852 County County County County County 2389 ARAD ARGES BACAU BIHOR BISTRITA-NASAUD BOTOSANI BRAILA BRASOV BUCURESTI BUZAU CALARASI CARAS-SEVERIN CLUJ CONSTANTA COVASNA DIMBOVITA DOLJ GALATI GIURGIU GORJ HARGHITA HUNEDOARA IALOMITA IASI ILFOV MARAMURES MEHEDINTI MURES NEAMT OLT PRAHOVA SALAJ SATU_MARE SIBIU SUCEAVA TELEORMAN TIMIS TULCEA VASLUI VILCEA VRANCEA regist regist regist regist regist 2389 1 Moldova 2 Muntenia 3 Oltenia 4 Dobrogea 5 Transilvania 6 Crisana Maramures 7 Banat 8 Bucuresti Ilfov Stratum Stratum Stratum Stratum Stratum 2389 1 Poor rural community 2 Medium level rural community 3 Developed rural community 4 Town under 30 thou inhabitants 5 Town bet 30 - 99 thou inhabitants 6 Town bet 100 - 199 thou inhabitants 7 Town over 200 thou inhabitants Rural/urban Rural/urban Rural/urban Rural/urban Rural/urban 2389 1 urban 3 rural Interview operator – name Interview operator – name Interview operator – name Interview operator – name Interview operator – name 2357 A ABOS EDE MIHALY ACAR VIORICA ALBULESCU ANA ANDREI STELA ARDELEANU MARIOARA AUER ELENA B DEALI B DELIA B.DELIA BALA MAGDOLNA BALA MOGDOLNA BALI MAGDOLNA BALO MAGDOLNA BANICA MARIA BARLEA LUCIAN BECZE ANNAMARIA BONULESCU ION CATALIN BRANICA MARIA BRASOVAN DOREL BUZATU STEFANIA C CANTEA MARINICA CARAIMAN CARAIMAN IOAN CHIOREAN ADRIAN CHIRITOIU VAL. LILIANA CHIRITOIU VALERIA LILIANA CIUCU MIHAELA COJOCARU LUCICA COSTEA GEORGETA COZLOSCHI MIRELA COZLOSCHI MIRELA CRISTACHE BOGDAN CRISTOVICI MARCEL CUC DIANA CUC TRAIAN D DANILA ILEANA DIDEA DINU MIHAI DOBROIU VLAD DRAGOS STEFAN DUMITRU RADA DUTA ADRIANA FEDELES ANA FILIP ADINA GAVANESCU CAMELIA GHEORGHE STEFANIA GHEORGHE STEFANIA - EMMA GHEORGHE STEFANIA EMMA GHEORHE STEFANIA - EMMA GLOMNICU EUGENIA GOGONARU ELENA RALUCA GOGONATU ELENA RALUCA GRECU GABRIEL ION GRECU ION GABRIEL GRECU NICOLAE GRIGIRESCU OTILIA VERONICA GRIGORESCU OTILIA VERONICA GUDANA MIHAELA GUDEANU MIHAELA GUGONARU ELENA RALUCA GUGONATU ELENA RALUCA GUGORANU ELENA RALUCA HANU M HANU MARIA HARJA VASILE ILIE FLORENTINA IOAN MARIA IONESCU MAGDALENA IORDACHE IORDACHE - ION IORDACHE AUREL IORDACHE CONSTANIN IORDACHE CONSTANTIN IORDACHE GEORGETA ION IORDACHE ION JIVOIN ROSANA KIS GABRIEL LAPUSAN LEJSTI LICOIU MIHAI LUCACI TUDOR BOGDAN MALEA AMALIA MALEA AMARIA MARC MIRELA MATEI ELENA MEITA NELA MEITA NELA LOREDANA MEITA NELA-LOREDANA MEITA NEZA-LOREDANA MILEA LUCIA MUNTEAN GEORGETA MUNTEAN GEOTGETA MUNTEANU GEORGETA MUTU ION NASTASA ANA NASTASE ANA NEGRU MIHAI NICA MARIA NICODIN MIHAELA NICODIN PAUL NICOLAE GELU NICOLETA PETRE NITESCU GHEORGHE OLTEANU LUIZA P PERTE COSMIN PERTE ROMULUS PETRE COSMIN PETRE NICOLETA PETRISOR CIPRIAN PETRISOR STEFAN PILES MARIA PILOS MARIA PIRVU FANICA PIRVU GHERGHINA PISAU DAN PISCOI ANA PISCOI ANCA PISCOIU ANA POP VASILE POPESCU CRISTINA-ADINA PUIU MIHAI PUIU PETRE RAILEANU MIRCEA RAILEANU MIRCEA MARIAN RASTOACA COSTACHI RAUCA OANA ROTARU PETRICA IULIAN SCHIOPU GEORGHE SCHIOPU GHEORGHE SCHULER PETRE SCRIPCARU ELENA SEINI SIMONA SENI SIMONA SERBAN FLORICA SINCU PETRE SINCU PRETRE STAGARU OTTO STANCU MARIANA STEGARU OTTO STIRBU NATALIA SUCIU ALEXANDRU SUCIU RALUCA SUICI DANIEL TAMASAN ANA TAPORIN DUMITRU IULIAN TAPURIN DUMITRU IULIAN TATARU CRISTINA TIRDEA ION TOANCA NICOLETA TODIRASCU ALINA TOMUS AURICA VASILE STEFAN VASILE STEFAN VASIOI GABRIELA VLADOIU MIHAI-COSMIN VLADOIU MUHAI-COSMIN VLADOIU NATALIA-ADELA VOICONI ZAHARIA SILVIA Interview date Interview date Interview date Interview date Interview date Interview date 2389 2010-01-05 2010-02-05 2010-03-05 2010-04-03 2010-04-05 2010-05-01 2010-05-02 2010-05-03 2010-05-04 2010-05-05 2010-05-06 2010-05-07 2010-05-08 2010-05-09 2010-05-10 2010-05-11 2010-05-12 2010-05-13 2010-05-14 2010-05-15 2010-05-16 2010-05-17 2010-05-18 2010-05-19 2010-05-20 2010-05-21 2010-05-22 2010-05-23 2010-05-30 2010-06-05 2010-06-13 2010-06-16 2010-07-05 2010-08-05 2010-09-05 2010-10-05 2010-11-05 2010-12-05 2010-12-30 Starting hour interview Starting hour interview Starting hour interview Starting hour interview Starting hour interview Interview start time 2158 231 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 Sysmiss Starting minute interview Starting minute interview Starting minute interview Starting minute interview Starting minute interview Interview start time 2158 231 59 18.928 16.867 As a whole, how satisfied are you with your life nowadays? As a whole, how satisfied are you with your life nowadays? As a whole, how satisfied are you with your life nowadays? As a whole, how satisfied are you with your life nowadays? As a whole, how satisfied are you with your life nowadays? As a whole, how satisfied are you with your life nowadays? 2026 363 1 very dissatisfied 2 rather dissatisfied 3 rather satisfied 4 very satisfied 9 dont know Sysmiss How do you think your life is going to be over the next 12 months? How do you think your life is going to be over the next 12 months? How do you think your life is going to be over the next 12 months? How do you think your life is going to be over the next 12 months? How do you think your life is going to be over the next 12 months? How do you think your life is going to be over the next 12 months? 2026 363 1 much worse 2 worse 3 the same 4 better 5 much better 9 dont know Sysmiss How often do you read the national newspapers? How often do you read the national newspapers? How often do you read the national newspapers? How often do you read the national newspapers? How often do you read the national newspapers? How often do you read the national newspapers 2026 363 never 1 once a month or less 2 few times a month 3 few times a week 4 daily 9 dont know Sysmiss How often do you read the local newspapers? How often do you read the local newspapers? How often do you read the local newspapers? How often do you read the local newspapers? How often do you read the local newspapers? How often do you read the local newspapers 2026 363 never 1 once a month or less 2 few times a month 3 few times a week 4 daily 9 dont know Sysmiss How often do you listen to the national radio stations? How often do you listen to the national radio stations? How often do you listen to the national radio stations? How often do you listen to the national radio stations? How often do you listen to the national radio stations? How often do you listen to the national radio stations 2026 363 never 1 once a month or less 2 few times a month 3 few times a week 4 daily 9 dont know Sysmiss How often do you listen to the local radio stations? How often do you listen to the local radio stations? How often do you listen to the local radio stations? How often do you listen to the local radio stations? How often do you listen to the local radio stations? How often do you listen to the local radio stations 2026 363 never 1 once a month or less 2 few times a month 3 few times a week 4 daily 9 dont know Sysmiss How often do you watch the national TV programs? How often do you watch the national TV programs? How often do you watch the national TV programs? How often do you watch the national TV programs? How often do you watch the national TV programs? How often do you watch the national TV programs 2026 363 never 1 once a month or less 2 few times a month 3 few times a week 4 daily 9 dont know Sysmiss How often do you watch the local TV programs? How often do you watch the local TV programs? How often do you watch the local TV programs? How often do you watch the local TV programs? How often do you watch the local TV programs? How often do you watch the local TV programs 2026 363 never 1 once a month or less 2 few times a month 3 few times a week 4 daily 9 dont know Sysmiss Do you know how to use a computer? Do you know how to use a computer? Do you know how to use a computer? Do you know how to use a computer? Do you know how to use a computer? Do you know to use a computer? 2026 363 1 yes 2 no Sysmiss How often do you use the Internet? How often do you use the Internet? How often do you use the Internet? How often do you use the Internet? How often do you use the Internet? For those who know to use the computer (Code 1 at PP6) How often do you use the Internet? (including email) 714 1675 never 1 once a month or less 2 few times a month 3 few times a week 4 daily 9 dont know Sysmiss How much do you trust The National Bank of Romania? How much do you trust The National Bank of Romania? How much do you trust The National Bank of Romania? How much do you trust The National Bank of Romania? How much do you trust The National Bank of Romania? How much do you trust The National Bank of Romania? 2026 363 1 very little 2 little 3 average 4 much 5 very much 9 dont know Sysmiss How much do you trust Romanian commercial banks How much do you trust Romanian commercial banks How much do you trust Romanian commercial banks How much do you trust Romanian commercial banks How much do you trust Romanian commercial banks How much do you trust Romanian commercial banks 2026 363 1 very little 2 little 3 average 4 much 5 very much 9 dont know Sysmiss How much do you trust Insurance companies How much do you trust Insurance companies How much do you trust Insurance companies How much do you trust Insurance companies How much do you trust Insurance companies How much do you trust Insurance companies 2026 363 1 very little 2 little 3 average 4 much 5 very much 9 dont know Sysmiss How much do you trust Securities companies How much do you trust Securities companies How much do you trust Securities companies How much do you trust Securities companies How much do you trust Securities companies How much do you trust Securities companies 2026 363 1 very little 2 little 3 average 4 much 5 very much 9 dont know Sysmiss How much do you trust Mutual Help Associations How much do you trust Mutual Help Associations How much do you trust Mutual Help Associations How much do you trust Mutual Help Associations How much do you trust Mutual Help Associations How much do you trust Mutual Help Associations 2026 363 1 very little 2 little 3 average 4 much 5 very much 9 dont know Sysmiss How much do you trust Leasing companies? How much do you trust Leasing companies? How much do you trust Leasing companies? How much do you trust Leasing companies? How much do you trust Leasing companies? How much do you trust Leasing companies? 2026 363 1 very little 2 little 3 average 4 much 5 very much 9 dont know Sysmiss How much do you trust Pawn shops? How much do you trust Pawn shops? How much do you trust Pawn shops? How much do you trust Pawn shops? How much do you trust Pawn shops? How much do you trust Pawn shops? 2026 363 1 very little 2 little 3 average 4 much 5 very much 9 dont know Sysmiss How much do you trust Other, non-banking financial institutions as, Provident or How much do you trust Other, non-banking financial institutions as, Provident or How much do you trust Other, non-banking financial institutions as, Provident or How much do you trust Other, non-banking financial institutions as, Provident or How much do you trust Other, non-banking financial institutions as, Provident or How much do you trust Other, non-banking financial institutions as, Provident or 2026 363 1 very little 2 little 3 average 4 much 5 very much 9 dont know Sysmiss How much do you trust The National Authority for the Consumer Protection ? How much do you trust The National Authority for the Consumer Protection ? How much do you trust The National Authority for the Consumer Protection ? How much do you trust The National Authority for the Consumer Protection ? How much do you trust The National Authority for the Consumer Protection ? How much do you trust The National Authority for the Consumer Protection ? 2026 363 1 very little 2 little 3 average 4 much 5 very much 9 dont know Sysmiss How much do you trust Leul, the national currency ? How much do you trust Leul, the national currency ? How much do you trust Leul, the national currency ? How much do you trust Leul, the national currency ? How much do you trust Leul, the national currency ? How much do you trust Leul, the national currency ? 2026 363 1 very little 2 little 3 average 4 much 5 very much 9 dont know Sysmiss How much do you trust The National House of Pensions? How much do you trust The National House of Pensions? How much do you trust The National House of Pensions? How much do you trust The National House of Pensions? How much do you trust The National House of Pensions? How much do you trust The National House of Pensions? 2026 363 1 very little 2 little 3 average 4 much 5 very much 9 dont know Sysmiss How much do you trust The Insurance Supervisory Commission? How much do you trust The Insurance Supervisory Commission? How much do you trust The Insurance Supervisory Commission? How much do you trust The Insurance Supervisory Commission? How much do you trust The Insurance Supervisory Commission? How much do you trust The Insurance Supervisory Commission? 2026 363 1 very little 2 little 3 average 4 much 5 very much 9 dont know Sysmiss How much do you trust Private Pension System Supervisory Commission? How much do you trust Private Pension System Supervisory Commission? How much do you trust Private Pension System Supervisory Commission? How much do you trust Private Pension System Supervisory Commission? How much do you trust Private Pension System Supervisory Commission? How much do you trust Private Pension System Supervisory Commission? 2026 363 1 very little 2 little 3 average 4 much 5 very much 9 dont know Sysmiss How much do you trust Romanian National Securities Commission? How much do you trust Romanian National Securities Commission? How much do you trust Romanian National Securities Commission? How much do you trust Romanian National Securities Commission? How much do you trust Romanian National Securities Commission? How much do you trust Romanian National Securities Commission? 2026 363 1 very little 2 little 3 average 4 much 5 very much 9 dont know Sysmiss How much do you trust The Competition Council? How much do you trust The Competition Council? How much do you trust The Competition Council? How much do you trust The Competition Council? How much do you trust The Competition Council? How much do you trust The Competition Council? 2026 363 1 very little 2 little 3 average 4 much 5 very much 9 dont know Sysmiss Quality of the services offered by the Romanian Commercial banks is...? Quality of the services offered by the Romanian Commercial banks is...? Quality of the services offered by the Romanian Commercial banks is...? Quality of the services offered by the Romanian Commercial banks is...? Quality of the services offered by the Romanian Commercial banks is...? Generally, the quality of the services offered by the financial institutions in Romania is…? Romanian Commercial banks 2026 363 1 very bad 2 bad 3 fair 4 good 5 very good 9 dont know Sysmiss Generally, the quality of the services offered by the Insurance companies is...? Generally, the quality of the services offered by the Insurance companies is...? Generally, the quality of the services offered by the Insurance companies is...? Generally, the quality of the services offered by the Insurance companies is...? Generally, the quality of the services offered by the Insurance companies is...? Generally, the quality of the services offered by the financial institutions in Romania is…? Insurance companies 2026 363 1 very bad 2 bad 3 fair 4 good 5 very good 9 dont know Sysmiss Quality of the services offered by the Mutual Help Association is...? Quality of the services offered by the Mutual Help Association is...? Quality of the services offered by the Mutual Help Association is...? Quality of the services offered by the Mutual Help Association is...? Quality of the services offered by the Mutual Help Association is...? Generally, the quality of the services offered by the financial institutions in Romania is…? Mutual Help Association 2026 363 1 very bad 2 bad 3 fair 4 good 5 very good 9 dont know Sysmiss Sure of the quick and just resolution of the dispute? In a short time? Sure of the quick and just resolution of the dispute? In a short time? Sure of the quick and just resolution of the dispute? In a short time? Sure of the quick and just resolution of the dispute? In a short time? Sure of the quick and just resolution of the dispute? In a short time? If a conflict with a financial organization (bank, insurance company or the like) arises regarding the provision of financial services to you, how sure are you in the quick and just resolution of the dispute? A. in short time Use the corresponding code from the scale 2026 363 1 I am not at all sure 2 I am not quite sure 3 fifty-fifty 4 I am rather sure 5 I am completely sure 9 dont know Sysmiss Sure of the quick and just resolution of the dispute? Correctly? Sure of the quick and just resolution of the dispute? Correctly? Sure of the quick and just resolution of the dispute? Correctly? Sure of the quick and just resolution of the dispute? Correctly? Sure of the quick and just resolution of the dispute? Correctly? If a conflict with a financial organization (bank, insurance company or the like) arises regarding the provision of financial services to you, how sure are you in the quick and just resolution of the dispute? B. correctly Use the corresponding code from the scale 2026 363 1 I am not at all sure 2 I am not quite sure 3 fifty-fifty 4 I am rather sure 5 I am completely sure 9 dont know Sysmiss Primary attention when somebody wants to take a credit? Response 1 Primary attention when somebody wants to take a credit? Response 1 Primary attention when somebody wants to take a credit? Response 1 Primary attention when somebody wants to take a credit? Response 1 Primary attention when somebody wants to take a credit? Response 1 What do you think deserves primary attention when one has to compare between the banks to choose the one where to take a credit from? One answer only 2026 363 1 reputation (fame) 2 view of the office 3 the way the personnel treat you 4 credit interest rate and the credit cost 5 gifts and advertising campaigns 6 Other 9 dont know Sysmiss Response to AO7_A if respondent selected other Response to AO7_A if respondent selected other Response to AO7_A if respondent selected other Response to AO7_A if respondent selected other Response to AO7_A if respondent selected other What do you think deserves primary attention when one has to compare between the banks to choose the one where to take a credit from? One answer only 4 CONDITII DE IMPRUMUT IN GENERAL CONDITII RAMBURSARE FORTA PROPRIE INFORMATIA Primary attention when somebody wants to take a credit? Response 2 Primary attention when somebody wants to take a credit? Response 2 Primary attention when somebody wants to take a credit? Response 2 Primary attention when somebody wants to take a credit? Response 2 Primary attention when somebody wants to take a credit? Response 2 What do you think deserves primary attention when one has to compare between the banks to choose the one where to take a credit from? One answer only 2026 363 1 reputation (fame) 2 view of the office 3 the way the personnel treat you 4 credit interest rate and the credit cost 5 gifts and advertising campaigns 6 Other 9 dont know Sysmiss Response to AO7_B if respondent selected other Response to AO7_B if respondent selected other Response to AO7_B if respondent selected other Response to AO7_B if respondent selected other Response to AO7_B if respondent selected other What do you think deserves primary attention when one has to compare between the banks to choose the one where to take a credit from? One answer only 4 CONDITIILE IN CARE SE OFERA UN CREDIT FORTA PROPRIE INFORMATIA SA NU CEARA GARANTII MULTE If you considered taking a credit from a bank, what would you prefer? If you considered taking a credit from a bank, what would you prefer? If you considered taking a credit from a bank, what would you prefer? If you considered taking a credit from a bank, what would you prefer? If you considered taking a credit from a bank, what would you prefer? If you considered taking a credit from a bank, what would you prefer? Do not read answer 3 2026 363 1 a credit in lei 2 a credit in a foreign currency 3 I wouldnt take any credit 9 dont know Sysmiss When taking a credit from a bank, what would you give more importance to...? When taking a credit from a bank, what would you give more importance to...? When taking a credit from a bank, what would you give more importance to...? When taking a credit from a bank, what would you give more importance to...? When taking a credit from a bank, what would you give more importance to...? When taking a credit from a bank, what would you give more importance to...? Do not read answer 4 2026 363 1 Commissions charged by the bank 2 Credit interest rates 3 Both, commissions charged by the bank and credit interest ra 4 I wouldnt take any credit 9 dont know Sysmiss When do you think buying on credit is justified? When do you think buying on credit is justified? When do you think buying on credit is justified? When do you think buying on credit is justified? When do you think buying on credit is justified? When do you think buying on credit is justified? Here the credit refers to the use of a credit card, the use of a consumer credit or buying on credit (informally - „pe caiet") from a shop 2026 363 1 If a shop has sales for the goods you need 2 If a person needs to pay for education which would allow to 3 If a person really needs a vacation but does not have money 4 Other 5 I wouldnt buy on credit in any circumstance 9 dont know Sysmiss Response to AO10 if respondent selected other Response to AO10 if respondent selected other Response to AO10 if respondent selected other Response to AO10 if respondent selected other Response to AO10 if respondent selected other When do you think buying on credit is justified? Here the credit refers to the use of a credit card, the use of a consumer credit or buying on credit (informally - „pe caiet") from a shop 123 #ZILE NEGRE # ACCIDENT# BOALA ACCIDENTE - BOALA# DIVORT ALTE NEVOI PERSONALE ALTE PLATI AUTOTURISM BANI PENTRU SANATATE BOALA BOALA # OPERATIE BOALA # OPERATIE # ETC BOALA SAU DECES BOALA# ACCIDENT# NECAZURI CAND NU AI CU CE TE DESCURCA CAND NU AM BANII NECESARI CAND RAMAN FARA BANI CASA CASA# MASINA CAZ DE BOALA CAZURI DE URGENTA CAZURI SPECIALE CE NU POATE FI AMANATA COMP LA LOCUINTA COMPLETARE VENITURI CASNICE CONSTRUIRE LOCUINTA CRIZA FINANCIARA CUMPARAT MEDICAMENTE DACA AM NEAPARATA NEVOIE DACA ESTE NEVOIE DACA NU AM BANII NECESARI DACA NU ARE BANI SUFICIENTI DACA NU IMI DAU PRIETENII DACA SUNT NEVOIT DECES IN FAMILIE DECESUL UNUIA DIN OBISNUINTA# DE FRICA CA NU POATE PLATI DOCTOR IN CAZ DE URGENTA IN CAZ DE URGENTA (BOALA# ACCIDENT) IN CAZUL IN CARE NU TE POTI DESCURCA ALTFEL INVESTITII LIPSA BANILOR# VENITUL SIGUR LOCUINTA MASINA MEDICAMENTE NECESITATI NEPREVAZUT NEPREVAZUTE NEVOI PERSONALE # REABILITARE NEVOI PERSONALE# SCOALA NEVOIE #URGENTA NU NE AJUNG BANII NUMAI CAND SE IMPUNE NUMAI DACA ESTE CAZUL NUMAI DACA NU-I DAU RUDELE NUMAI DACA SE IMPUNE NUMIA DACA SE IMPUNE NUNTA PENTRU A ACHITA CHELTUIELILE PENTRU A-MI ONORA AFACERILE PENTRU AFACERE PENTRU CONSTRUCTII IN GOSPODARIE PENTRU MASINA PENTRU O CASA PENTRU O CASA/MASINA PENTRU O INVESTITIE MARE PENTRU O URGENTA PENTRU SANATATE PENTRU SANATATE# TRATAMENT PRIMA CASA PROBLEMA DE SANATATE PROBLEME DE SANATATE PROBLEME FINANCIARE MARI PROBLEME GRAVE IN FAMILIE PROBLEME PERSONALE PT SANATATE PT UN BUN MATERIAL DE CARE AS AVEA NEVOIE PT.SANATATE REPARATII CASA REZOLVARE PROBLEME SA CUMPAR MATERIALE SA REPAR CASA SA PUTEM SUPRAVIETUI SA-MI DESCHID O AFACERE SANATATE SANATATE-AJUTOR OPERATII SERVICII MEDICALE SITUATII FOARTE URGENTE SITUATII NEPREVAZUTE# EVENIMENTE IMPORTANTE SPITAL TERMINAREA CONSTRUCTIEI LOCUINTEI TRATAMENT TRATAMENT BOALA TRATAMENT MEDICAL TRATAMENT# SCOALA URGENTE URGENTE (DECESE# BOLI) URGENTE FAMILIALE URGENTE IN GOSPODARIE URGENTE-FAMILIE UTILAJE AGRICOLE UTILAJE AGRICOLE BUNE ZILE NEGRE Do you follow Changes in the property market? Do you follow Changes in the property market? Do you follow Changes in the property market? Do you follow Changes in the property market? Do you follow Changes in the property market? What tendencies from the ones given below you follow personally? Changes in the property market 2026 363 1 yes 2 no Sysmiss Do you follow Changes of quotation and indices in the capital market? Do you follow Changes of quotation and indices in the capital market? Do you follow Changes of quotation and indices in the capital market? Do you follow Changes of quotation and indices in the capital market? Do you follow Changes of quotation and indices in the capital market? What tendencies from the ones given below you follow personally? Changes of quotations and indices in the capital market 2026 363 1 yes 2 no Sysmiss Do you follow Changes of interest rates in deposits? Do you follow Changes of interest rates in deposits? Do you follow Changes of interest rates in deposits? Do you follow Changes of interest rates in deposits? Do you follow Changes of interest rates in deposits? What tendencies from the ones given below you follow personally? Changes of interest rates on deposits 2026 363 1 yes 2 no Sysmiss Do you follow Changes of interest rates on credits? Do you follow Changes of interest rates on credits? Do you follow Changes of interest rates on credits? Do you follow Changes of interest rates on credits? Do you follow Changes of interest rates on credits? What tendencies from the ones given below you follow personally? Changes of interest rates on credits 2026 363 1 yes 2 no Sysmiss Do you follow Changes in the inflation rate? Do you follow Changes in the inflation rate? Do you follow Changes in the inflation rate? Do you follow Changes in the inflation rate? Do you follow Changes in the inflation rate? What tendencies from the ones given below you follow personally? Changes in the inflation rate 2026 363 1 yes 2 no Sysmiss Do you follow Changes in the level of public pensions, benefits and tax exemptio Do you follow Changes in the level of public pensions, benefits and tax exemptio Do you follow Changes in the level of public pensions, benefits and tax exemptio Do you follow Changes in the level of public pensions, benefits and tax exemptio Do you follow Changes in the level of public pensions, benefits and tax exemptio What tendencies from the ones given below you follow personally? Changes in the level of public pensions, benefits and tax exemptions 2026 363 1 yes 2 no Sysmiss Do you follow Price fluctutations for oil, gold, metals, etc.? Do you follow Price fluctutations for oil, gold, metals, etc.? Do you follow Price fluctutations for oil, gold, metals, etc.? Do you follow Price fluctutations for oil, gold, metals, etc.? Do you follow Price fluctutations for oil, gold, metals, etc.? What tendencies from the ones given below you follow personally? Price fluctuations for oil, gold, metals, etc. 2026 363 1 yes 2 no Sysmiss First source of information First source of information First source of information First source of information First source of information If Yes ISF1a. What is the main source of information? 1281 1108 1 Advertising 2 Newspapers, magazines, TV programs specializing on financial 3 Specialized web sites 4 Bank officers, employees of insurance and management compani 5 Independent financial consultants or brokers 6 Friends and acquaintances 9 dont know Sysmiss Second source of information Second source of information Second source of information Second source of information Second source of information If Yes ISF1a. What is the main source of information? 959 1430 1 Advertising 2 Newspapers, magazines, TV programs specializing on financial 3 Specialized web sites 4 Bank officers, employees of insurance and management compani 5 Independent financial consultants or brokers 6 Friends and acquaintances 9 dont know Sysmiss Aware of fin. services activities of The National House of Pensions? Aware of fin. services activities of The National House of Pensions? Aware of fin. services activities of The National House of Pensions? Aware of fin. services activities of The National House of Pensions? Aware of fin. services activities of The National House of Pensions? Aware of fin. services activities of The National House of Pensions? 2026 363 1 yes 2 no Sysmiss Aware of fin. services activities of The Insurance Supervisory Commission? Aware of fin. services activities of The Insurance Supervisory Commission? Aware of fin. services activities of The Insurance Supervisory Commission? Aware of fin. services activities of The Insurance Supervisory Commission? Aware of fin. services activities of The Insurance Supervisory Commission? Aware of fin. services activities of The Insurance Supervisory Commission? 2026 363 1 yes 2 no Sysmiss Aware of fin. services activities of The Private Pension System Supervisory Comm Aware of fin. services activities of The Private Pension System Supervisory Comm Aware of fin. services activities of The Private Pension System Supervisory Comm Aware of fin. services activities of The Private Pension System Supervisory Comm Aware of fin. services activities of The Private Pension System Supervisory Comm Aware of fin. services activities of The Private Pension System Supervisory Comm 2026 363 1 yes 2 no Sysmiss Aware of fin. services activities of The Romanian National Securities Commission Aware of fin. services activities of The Romanian National Securities Commission Aware of fin. services activities of The Romanian National Securities Commission Aware of fin. services activities of The Romanian National Securities Commission Aware of fin. services activities of The Romanian National Securities Commission Aware of fin. services activities of The Romanian National Securities Commission 2026 363 1 yes 2 no Sysmiss Aware of fin. services activities of The National Authority for Consumer Protect Aware of fin. services activities of The National Authority for Consumer Protect Aware of fin. services activities of The National Authority for Consumer Protect Aware of fin. services activities of The National Authority for Consumer Protect Aware of fin. services activities of The National Authority for Consumer Protect Aware of fin. services activities of The National Authority for Consumer Protect 2026 363 1 yes 2 no Sysmiss Aware of fin. services activities of The Competition Council? Aware of fin. services activities of The Competition Council? Aware of fin. services activities of The Competition Council? Aware of fin. services activities of The Competition Council? Aware of fin. services activities of The Competition Council? Aware of fin. services activities of The Competition Council? 2026 363 1 yes 2 no Sysmiss Contact with bank officers or bankers? Contact with bank officers or bankers? Contact with bank officers or bankers? Contact with bank officers or bankers? Contact with bank officers or bankers? During the last 12 months, how many visits / personal contacts or through phone did you have with...? bank officers or bankers 2019 370 Never 1 Once a month or less 2 Few times a month 3 Few times a week 4 Daily Sysmiss Contact with representatives of insurance companies/private pension fund? Contact with representatives of insurance companies/private pension fund? Contact with representatives of insurance companies/private pension fund? Contact with representatives of insurance companies/private pension fund? Contact with representatives of insurance companies/private pension fund? During the last 12 months, how many visits / personal contacts or through phone did you have with...? representatives of insurance companies / private pension fund 2022 367 Never 1 Once a month or less 2 Few times a month 3 Few times a week 4 Daily Sysmiss Contact with representatives of securities companies? Contact with representatives of securities companies? Contact with representatives of securities companies? Contact with representatives of securities companies? Contact with representatives of securities companies? During the last 12 months, how many visits / personal contacts or through phone did you have with...? representatives of securities companies (for share deals) 2021 368 Never 1 Once a month or less 2 Few times a month 3 Few times a week 4 Daily Sysmiss Contact with independent financial advisers or brokers? Contact with independent financial advisers or brokers? Contact with independent financial advisers or brokers? Contact with independent financial advisers or brokers? Contact with independent financial advisers or brokers? During the last 12 months, how many visits / personal contacts or through phone did you have with...? independent financial advisers or brokers 2020 369 Never 1 Once a month or less 2 Few times a month 3 Few times a week 4 Daily Sysmiss Contact with representatives of a non-banking financial institution? Contact with representatives of a non-banking financial institution? Contact with representatives of a non-banking financial institution? Contact with representatives of a non-banking financial institution? Contact with representatives of a non-banking financial institution? During the last 12 months, how many visits / personal contacts or through phone did you have with...? representatives of a non-banking financial institution , such as Provident or Fingroup Credit 2017 372 Never 1 Once a month or less 2 Few times a month 3 Few times a week 4 Daily Sysmiss Contact with pawn houses personnel? Contact with pawn houses personnel? Contact with pawn houses personnel? Contact with pawn houses personnel? Contact with pawn houses personnel? During the last 12 months, how many visits / personal contacts or through phone did you have with...? pawn houses personnel 2019 370 Never 1 Once a month or less 2 Few times a month 3 Few times a week 4 Daily Sysmiss Often talk about financial institutions and services? Often talk about financial institutions and services? Often talk about financial institutions and services? Often talk about financial institutions and services? Often talk about financial institutions and services? When you meet your relatives, colleagues, friends, how often do you talk about financial institutions and services? 1999 390 Never 1 Once a month or less 2 Few times a month 3 Few times a week 4 Daily Sysmiss Commercial bank should train Commercial bank should train Commercial bank should train Commercial bank should train Commercial bank should train Which of the following organizations do you see as the most suitable to deliver financial literacy program in Romania? A commercial bank Choose up to 3 answers 2026 363 no 1 yes 99 dont know Sysmiss Pension fund and/or insurance companies should train Pension fund and/or insurance companies should train Pension fund and/or insurance companies should train Pension fund and/or insurance companies should train Pension fund and/or insurance companies should train Which of the following organizations do you see as the most suitable to deliver financial literacy program in Romania? Pension fund and/or insurance companies Choose up to 3 answers 2026 363 no 1 yes 99 dont know Sysmiss Unit Investment funds (management companies) should train Unit Investment funds (management companies) should train Unit Investment funds (management companies) should train Unit Investment funds (management companies) should train Unit Investment funds (management companies) should train Which of the following organizations do you see as the most suitable to deliver financial literacy program in Romania? Unit investment funds (management companies) Choose up to 3 answers 2026 363 no 1 yes 99 dont know Sysmiss NGOs./public orgs. involved in consumer rights protection should train NGOs./public orgs. involved in consumer rights protection should train NGOs./public orgs. involved in consumer rights protection should train NGOs./public orgs. involved in consumer rights protection should train NGOs./public orgs. involved in consumer rights protection should train Which of the following organizations do you see as the most suitable to deliver financial literacy program in Romania? Non-government organizations or public organizations involved in consumer rights protection Choose up to 3 answers 2026 363 no 1 yes 99 dont know Sysmiss Govt. entities regulating these markets should train Govt. entities regulating these markets should train Govt. entities regulating these markets should train Govt. entities regulating these markets should train Govt. entities regulating these markets should train Which of the following organizations do you see as the most suitable to deliver financial literacy program in Romania? Government entities regulating these markets Choose up to 3 answers 2026 363 no 1 yes 99 dont know Sysmiss Higher education institutions of eocnomic and fin. profile should train Higher education institutions of eocnomic and fin. profile should train Higher education institutions of eocnomic and fin. profile should train Higher education institutions of eocnomic and fin. profile should train Higher education institutions of eocnomic and fin. profile should train Which of the following organizations do you see as the most suitable to deliver financial literacy program in Romania? Higher education institutions of economic and financial profile Choose up to 3 answers 2026 363 no 1 yes 99 dont know Sysmiss Independent financial consultants should train Independent financial consultants should train Independent financial consultants should train Independent financial consultants should train Independent financial consultants should train Which of the following organizations do you see as the most suitable to deliver financial literacy program in Romania? Independent financial consultants Choose up to 3 answers 2026 363 no 1 yes 99 dont know Sysmiss Mass media (Journalists and TV presenters) should train Mass media (Journalists and TV presenters) should train Mass media (Journalists and TV presenters) should train Mass media (Journalists and TV presenters) should train Mass media (Journalists and TV presenters) should train Which of the following organizations do you see as the most suitable to deliver financial literacy program in Romania? Mass media (journalists and TV presenters) Choose up to 3 answers 2026 363 no 1 yes 99 dont know Sysmiss Others should train Others should train Others should train Others should train Others should train Which of the following organizations do you see as the most suitable to deliver financial literacy program in Romania? Other Choose up to 3 answers 2026 363 no 1 yes 99 dont know Sysmiss Don't know Don't know Don't know Don't know Don't know Which of the following organizations do you see as the most suitable to deliver financial literacy program in Romania? Don't know Choose up to 3 answers 2026 363 no 1 yes Sysmiss Response to ISF5_9 if respondent selected other Response to ISF5_9 if respondent selected other Response to ISF5_9 if respondent selected other Response to ISF5_9 if respondent selected other Response to ISF5_9 if respondent selected other Which of the following organizations do you see as the most suitable to deliver financial literacy program in Romania? Other (specified) Choose up to 3 answers 14 AUTORITATILE LOCALE BISERICA INTERNET PARTIDUL ROMILOR PRIMARIA SCOALA How to forms one's own financial targets and draw a personal plan? How to forms one's own financial targets and draw a personal plan? How to forms one's own financial targets and draw a personal plan? How to forms one's own financial targets and draw a personal plan? How to forms one's own financial targets and draw a personal plan? Which of the following aspects of managing personal finances do you believe that should necessarily be part of a financial training course for people...? How to form one's own financial targets and draw a personal current financial plan 2026 363 1 yes 2 no 9 dont know Sysmiss What not to do to get up to one's neck in debt using credits? What not to do to get up to one's neck in debt using credits? What not to do to get up to one's neck in debt using credits? What not to do to get up to one's neck in debt using credits? What not to do to get up to one's neck in debt using credits? Which of the following aspects of managing personal finances do you believe that should necessarily be part of a financial training course for people...? What to do not to get up to one's neck in debt when using credits 2026 363 1 yes 2 no 9 dont know Sysmiss How to plan purchases of durables and evaluate abilities to implement? How to plan purchases of durables and evaluate abilities to implement? How to plan purchases of durables and evaluate abilities to implement? How to plan purchases of durables and evaluate abilities to implement? How to plan purchases of durables and evaluate abilities to implement? Which of the following aspects of managing personal finances do you believe that should necessarily be part of a financial training course for people...? How to plan purchases of durables (car, apartment, dacha) and evaluate one's abilities to implement them 2026 363 1 yes 2 no 9 dont know Sysmiss How does the pension scheme work and how to secure one's old age income? How does the pension scheme work and how to secure one's old age income? How does the pension scheme work and how to secure one's old age income? How does the pension scheme work and how to secure one's old age income? How does the pension scheme work and how to secure one's old age income? Which of the following aspects of managing personal finances do you believe that should necessarily be part of a financial training course for people...? How does the pension scheme work and what methods are available to secure one's old age income 2026 363 1 yes 2 no 9 dont know Sysmiss Banking services - accounts, deposits? Banking services - accounts, deposits? Banking services - accounts, deposits? Banking services - accounts, deposits? Banking services - accounts, deposits? Which of the following aspects of managing personal finances do you believe that should necessarily be part of a financial training course for people...? Banking services - current accounts, saving deposits, and plastic cards 2026 363 1 yes 2 no 9 dont know Sysmiss Consumer credits to purchase goods and services? Consumer credits to purchase goods and services? Consumer credits to purchase goods and services? Consumer credits to purchase goods and services? Consumer credits to purchase goods and services? Which of the following aspects of managing personal finances do you believe that should necessarily be part of a financial training course for people...? Consumer credits to purchase goods and services 2026 363 1 yes 2 no 9 dont know Sysmiss Mortgage loans Mortgage loans Mortgage loans Mortgage loans Mortgage loans Which of the following aspects of managing personal finances do you believe that should necessarily be part of a financial training course for people...? Mortgage loans 2026 363 1 yes 2 no 9 dont know Sysmiss Insurance and insurance products? Insurance and insurance products? Insurance and insurance products? Insurance and insurance products? Insurance and insurance products? Which of the following aspects of managing personal finances do you believe that should necessarily be part of a financial training course for people...? Insurance and insurance products 2026 363 1 yes 2 no 9 dont know Sysmiss Private pension funds? Private pension funds? Private pension funds? Private pension funds? Private pension funds? Which of the following aspects of managing personal finances do you believe that should necessarily be part of a financial training course for people...? Private pension funds 2026 363 1 yes 2 no 9 dont know Sysmiss Capital markets, stock and unit fund shares? Capital markets, stock and unit fund shares? Capital markets, stock and unit fund shares? Capital markets, stock and unit fund shares? Capital markets, stock and unit fund shares? Which of the following aspects of managing personal finances do you believe that should necessarily be part of a financial training course for people...? Capital markets, stock and unit fund shares 2026 363 1 yes 2 no 9 dont know Sysmiss Sources of info. on fin. services, how to interpret info., etc.? Sources of info. on fin. services, how to interpret info., etc.? Sources of info. on fin. services, how to interpret info., etc.? Sources of info. on fin. services, how to interpret info., etc.? Sources of info. on fin. services, how to interpret info., etc.? Which of the following aspects of managing personal finances do you believe that should necessarily be part of a financial training course for people...? Sources of information on financial services, how to interpret the information and how to differentiate the advertising information from the objective one 2026 363 1 yes 2 no 9 dont know Sysmiss Parameters used to compare the services offered by banks and others? Parameters used to compare the services offered by banks and others? Parameters used to compare the services offered by banks and others? Parameters used to compare the services offered by banks and others? Parameters used to compare the services offered by banks and others? Which of the following aspects of managing personal finances do you believe that should necessarily be part of a financial training course for people...? What parameters are used to compare the services offered by banks and other financial companies 2026 363 1 yes 2 no 9 dont know Sysmiss Consumer rights protection laws and what to do when they are violated? Consumer rights protection laws and what to do when they are violated? Consumer rights protection laws and what to do when they are violated? Consumer rights protection laws and what to do when they are violated? Consumer rights protection laws and what to do when they are violated? Which of the following aspects of managing personal finances do you believe that should necessarily be part of a financial training course for people...? What consumer rights protection laws are available and what one needs to do when one's consumer rights are violated 2026 363 1 yes 2 no 9 dont know Sysmiss Info. user needs to pay attention to when signing contract with a bank? Info. user needs to pay attention to when signing contract with a bank? Info. user needs to pay attention to when signing contract with a bank? Info. user needs to pay attention to when signing contract with a bank? Info. user needs to pay attention to when signing contract with a bank? Which of the following aspects of managing personal finances do you believe that should necessarily be part of a financial training course for people...? What information should a user pay attention to when signing a contract with a bank or another financial company 2026 363 1 yes 2 no 9 dont know Sysmiss Often compare terms/conditions for provision of fin. services by companies befor Often compare terms/conditions for provision of fin. services by companies befor Often compare terms/conditions for provision of fin. services by companies befor Often compare terms/conditions for provision of fin. services by companies befor Often compare terms/conditions for provision of fin. services by companies befor How often do you compare the terms and conditions for provision of financial services by various companies before you buy such a service? 2026 363 1 Never 2 Rarely 3 Sometimes 4 Always 97 I do not use any financial service 99 dont know Sysmiss Advertisements Advertisements Advertisements Advertisements Advertisements What sources of information do you pay attention to when choosing a company to buy a service from? Advertisements Multiple Response 2026 363 No 1 Yes 97 I do not use any financial service 99 Don't know Sysmiss Info. materials of fin. companies on their tariffs and services Info. materials of fin. companies on their tariffs and services Info. materials of fin. companies on their tariffs and services Info. materials of fin. companies on their tariffs and services Info. materials of fin. companies on their tariffs and services What sources of information do you pay attention to when choosing a company to buy a service from? Information materials of financial companies on their tariffs and services of various types Multiple Response 2026 363 No 1 Yes 97 I do not use any financial service 99 Don't know Sysmiss Advice of consultants working for providers of a required service Advice of consultants working for providers of a required service Advice of consultants working for providers of a required service Advice of consultants working for providers of a required service Advice of consultants working for providers of a required service What sources of information do you pay attention to when choosing a company to buy a service from? Advice of consultants working for providers of a required service Multiple Response 2026 363 No 1 Yes 97 I do not use any financial service 99 Don't know Sysmiss Recommendations of independent fin. consultants or brokers Recommendations of independent fin. consultants or brokers Recommendations of independent fin. consultants or brokers Recommendations of independent fin. consultants or brokers Recommendations of independent fin. consultants or brokers What sources of information do you pay attention to when choosing a company to buy a service from? Recommendations of independent financial consultants or brokers Multiple Response 2026 363 No 1 Yes 97 I do not use any financial service 99 Don't know Sysmiss Analytical materials published in mass media Analytical materials published in mass media Analytical materials published in mass media Analytical materials published in mass media Analytical materials published in mass media What sources of information do you pay attention to when choosing a company to buy a service from? Analytical materials published in mass media Multiple Response 2026 363 No 1 Yes 97 I do not use any financial service 99 Don't know Sysmiss Employer's advice Employer's advice Employer's advice Employer's advice Employer's advice What sources of information do you pay attention to when choosing a company to buy a service from? Employer's advice Multiple Response 2026 363 No 1 Yes 97 I do not use any financial service 99 Don't know Sysmiss Advice of friends and relatives Advice of friends and relatives Advice of friends and relatives Advice of friends and relatives Advice of friends and relatives What sources of information do you pay attention to when choosing a company to buy a service from? Advice of friends and relatives Multiple Response 2026 363 No 1 Yes 97 I do not use any financial service 99 Don't know Sysmiss Internet resources Internet resources Internet resources Internet resources Internet resources What sources of information do you pay attention to when choosing a company to buy a service from? Internet resources Multiple Response 2026 363 No 1 Yes 97 I do not use any financial service 99 Don't know Sysmiss Other Other Other Other Other What sources of information do you pay attention to when choosing a company to buy a service from? Other Multiple Response 2026 363 No 1 Yes 97 I do not use any financial service 99 Don't know Sysmiss I dont use any financial service I dont use any financial service I dont use any financial service I dont use any financial service I dont use any financial service What sources of information do you pay attention to when choosing a company to buy a service from? I dont use any financial service Multiple Response 2026 363 No 1 Yes 97 I do not use any financial service 99 Don't know Sysmiss Don't know Don't know Don't know Don't know Don't know What sources of information do you pay attention to when choosing a company to buy a service from? Don't know Multiple Response 2026 363 No 1 Yes 97 I do not use any financial service 99 Don't know Sysmiss Response to ISF8_9 if respondent selected other Response to ISF8_9 if respondent selected other Response to ISF8_9 if respondent selected other Response to ISF8_9 if respondent selected other Response to ISF8_9 if respondent selected other What sources of information do you pay attention to when choosing a company to buy a service from? Multiple Response 2 PROPRIA EXPERIENTA RENUMELE INSTITUTIEI CEC Do you consider yourself a financially literate person? Do you consider yourself a financially literate person? Do you consider yourself a financially literate person? Do you consider yourself a financially literate person? Do you consider yourself a financially literate person? Do you consider yourself a financially literate person? 2026 363 1 No knowledge and skills 2 Unsatisfactory knowledge and skills 3 Satisfactory knowledge and skills 4 Good knowledge and skills 5 Excellent knowledge and skills 9 dont know Sysmiss 10000 lei deposit in acct at 8% annual int. rate is how much in 2 years? 10000 lei deposit in acct at 8% annual int. rate is how much in 2 years? 10000 lei deposit in acct at 8% annual int. rate is how much in 2 years? 10000 lei deposit in acct at 8% annual int. rate is how much in 2 years? 10000 lei deposit in acct at 8% annual int. rate is how much in 2 years? Let's assume that you deposited 10,000 lei in a bank account at 8% annual interest rate. How much money will you have in your account in 2 years if you do not withdraw from or add to this account any money? 2026 363 1 More than 18,000 lei 2 Exactly 18,000 lei 3 Less than 18,000 lei 9 Don't know Sysmiss 10000 lei deposit in acct at 10% annual int. rate is how much in 5 years? 10000 lei deposit in acct at 10% annual int. rate is how much in 5 years? 10000 lei deposit in acct at 10% annual int. rate is how much in 5 years? 10000 lei deposit in acct at 10% annual int. rate is how much in 5 years? 10000 lei deposit in acct at 10% annual int. rate is how much in 5 years? Let's assume that you deposited 10,000 lei in a bank account at 10% annual interest rate. The interest will be earned at the end of each year and will be added to the principal. How much money will you have in your account in 5 years if you do not withdraw either the principal or the interest? 2026 363 1 More than 15,000 lei 2 Exactly 15,000 lei 3 Less than 15,000 lei 9 dont know Sysmiss 10000 lei deposit in acct at 8% int. rate & 10% inflation buys? 10000 lei deposit in acct at 8% int. rate & 10% inflation buys? 10000 lei deposit in acct at 8% int. rate & 10% inflation buys? 10000 lei deposit in acct at 8% int. rate & 10% inflation buys? 10000 lei deposit in acct at 8% int. rate & 10% inflation buys? 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? 2026 363 1 More than a year ago 2 The same 3 Less than a year ago 9 dont know Sysmiss In 2012, Income doubles and consumer prices double, can you buy? In 2012, Income doubles and consumer prices double, can you buy? In 2012, Income doubles and consumer prices double, can you buy? In 2012, Income doubles and consumer prices double, can you buy? In 2012, Income doubles and consumer prices double, can you buy? Let's assume that in 2012 your income is twice as now, and the consumer prices also grow twofold. Do you think that in 2012 you will be able to buy more, less, or the same amount of goods and services as today? 2026 363 1 More than today 2 Exactly the same 3 Less than today 9 dont know Sysmiss 1000 Lei TV, one discount is 150 lei and another is 10% off, which is better? 1000 Lei TV, one discount is 150 lei and another is 10% off, which is better? 1000 Lei TV, one discount is 150 lei and another is 10% off, which is better? 1000 Lei TV, one discount is 150 lei and another is 10% off, which is better? 1000 Lei TV, one discount is 150 lei and another is 10% off, which is better? Let's assume that you saw a TV-set of the same model on sales in two different shops. The initial retail price of it was 1,000 lei. One shop offered a discount of 150 lei, while the other one offered a 10% discount. Which one is a better bargain - a discount of 150 lei or 10%? 2026 363 1 A discount of 150 lei 2 They are the same 3 A 10% discount 9 Don't know Sysmiss 10000 lei loan, equal monthly repayments in 1 year + 600 lei charge, int. rate? 10000 lei loan, equal monthly repayments in 1 year + 600 lei charge, int. rate? 10000 lei loan, equal monthly repayments in 1 year + 600 lei charge, int. rate? 10000 lei loan, equal monthly repayments in 1 year + 600 lei charge, int. rate? 10000 lei loan, equal monthly repayments in 1 year + 600 lei charge, int. rate? Let's assume that you took a bank credit of 10,000 lei to be paid back during a year in equal monthly payments. The credit charge is 600 lei. Give a rough estimate of the annual interest rate on your credit. 2026 363 1 3% 2 6% 3 9% 4 12% 9 dont know Sysmiss Romanian bank goes bankrupt, what is max insured by govt. for a citizen? Romanian bank goes bankrupt, what is max insured by govt. for a citizen? Romanian bank goes bankrupt, what is max insured by govt. for a citizen? Romanian bank goes bankrupt, what is max insured by govt. for a citizen? Romanian bank goes bankrupt, what is max insured by govt. for a citizen? If a citizen has a deposit in a Romanian bank and this bank becomes bankrupt, do you know what maximum level of a deposit is entirely insured by the government? 2026 363 1 Govt. does not insure 2 The equivalent in lei of 30.000 euro 3 The equivalent in lei of 50.000 euro 4 The equivalent in lei of 100.000 euro 5 Govt. insures full amount of deposits 9 Don't know Sysmiss Value of shares plummets due to fin. crisis, what losses are insured by govt.? Value of shares plummets due to fin. crisis, what losses are insured by govt.? Value of shares plummets due to fin. crisis, what losses are insured by govt.? Value of shares plummets due to fin. crisis, what losses are insured by govt.? Value of shares plummets due to fin. crisis, what losses are insured by govt.? If a citizen owns shares in the unit fund, and the value of shares plummeted because of a large scale financial crisis, what is an approximate level of losses insured by the government? 2026 363 1 Govt. does not insure 2 The equivalent in lei of 30.000 euro 3 The equivalent in lei of 50.000 euro 4 The equivalent in lei of 100.000 euro 5 Govt. insures full amount of deposits 9 Don't know Sysmiss The bank which went bankrupt The bank which went bankrupt The bank which went bankrupt The bank which went bankrupt The bank which went bankrupt In which of the following cases it is appropriate for the government to compensate individuals for the losses on the financial market? The bank which went bankrupt Multiple response 2026 363 no 1 yes 9 dont know Sysmiss Share of unit fund whose market value plunged Share of unit fund whose market value plunged Share of unit fund whose market value plunged Share of unit fund whose market value plunged Share of unit fund whose market value plunged In which of the following cases it is appropriate for the government to compensate individuals for the losses on the financial market? Shares of a unit fund whose market value plunged Multiple response 2026 363 no 1 yes 9 dont know Sysmiss Share of private company and values of shares dropped significantly Share of private company and values of shares dropped significantly Share of private company and values of shares dropped significantly Share of private company and values of shares dropped significantly Share of private company and values of shares dropped significantly In which of the following cases it is appropriate for the government to compensate individuals for the losses on the financial market? Shares of a private company, and the value of shares dropped significantly Multiple response 2026 363 no 1 yes 9 dont know Sysmiss Apartment prices dropped at moment one needs to sell them Apartment prices dropped at moment one needs to sell them Apartment prices dropped at moment one needs to sell them Apartment prices dropped at moment one needs to sell them Apartment prices dropped at moment one needs to sell them In which of the following cases it is appropriate for the government to compensate individuals for the losses on the financial market? Apartment prices dropped at the moment when one needs to sell them Multiple response 2026 363 no 1 yes 9 dont know Sysmiss None of the above None of the above None of the above None of the above None of the above In which of the following cases it is appropriate for the government to compensate individuals for the losses on the financial market? None of the above Multiple response 2026 363 no 1 yes 9 dont know Sysmiss Don't know Don't know Don't know Don't know Don't know In which of the following cases it is appropriate for the government to compensate individuals for the losses on the financial market? Don't know Multiple response 2026 363 no 1 yes 9 dont know Sysmiss In you family, do you have a financial plan and how to cover monthly exps? In you family, do you have a financial plan and how to cover monthly exps? In you family, do you have a financial plan and how to cover monthly exps? In you family, do you have a financial plan and how to cover monthly exps? In you family, do you have a financial plan and how to cover monthly exps? In your family do you usually have a financial plan, thus you know how to cover current monthly expenses? 2026 363 1 yes 2 no 9 dont know Sysmiss Is your family used to keeping records of income and expenditures? Is your family used to keeping records of income and expenditures? Is your family used to keeping records of income and expenditures? Is your family used to keeping records of income and expenditures? Is your family used to keeping records of income and expenditures? Is your family used to keeping records of income and expenditures? 2026 363 1 Yes, we keep records of everything, entering all revenues an 2 Yes, we keep records of everything, but not all revenues and 3 No, we dont keep records of everything, but we know in gener 4 No, we dont keep records of family 9 dont know Sysmiss Last 12 months, how often did your household remain with unspent money? Last 12 months, how often did your household remain with unspent money? Last 12 months, how often did your household remain with unspent money? Last 12 months, how often did your household remain with unspent money? Last 12 months, how often did your household remain with unspent money? How often during the last 12 months your household remained with unspent money from month to month If money spent = money earned always or very often (codes 5 and 4 at GF3c) ? GO TO GF4 If left without money always or very often (codes 5 and 4 at GF3b) ? GO TO GF3Y If money remains unspent always or very often (codes 5 and 4 at GF3a) ? GO TO GF3X 1950 439 1 Never 2 Very rarely 3 Sometimes 4 Very often 5 Always 9 dont know Sysmiss Last 12 months, how often did your household remain without money? Last 12 months, how often did your household remain without money? Last 12 months, how often did your household remain without money? Last 12 months, how often did your household remain without money? Last 12 months, how often did your household remain without money? How often during the last 12 months your household remained without money from month to month If money spent = money earned always or very often (codes 5 and 4 at GF3c) ? GO TO GF4 If left without money always or very often (codes 5 and 4 at GF3b) ? GO TO GF3Y If money remains unspent always or very often (codes 5 and 4 at GF3a) ? GO TO GF3X 1944 445 1 Never 2 Very rarely 3 Sometimes 4 Very often 5 Always 9 dont know Sysmiss Last 12 months, how often did your household spend exactly what was earned? Last 12 months, how often did your household spend exactly what was earned? Last 12 months, how often did your household spend exactly what was earned? Last 12 months, how often did your household spend exactly what was earned? Last 12 months, how often did your household spend exactly what was earned? How often during the last 12 months your household spent in a month exactly the money earned in the previous month If money spent = money earned always or very often (codes 5 and 4 at GF3c) ? GO TO GF4 If left without money always or very often (codes 5 and 4 at GF3b) ? GO TO GF3Y If money remains unspent always or very often (codes 5 and 4 at GF3a) ? GO TO GF3X 1904 485 1 Never 2 Very rarely 3 Sometimes 4 Very often 5 Always 9 dont know Sysmiss Unspent money - spent on consumer goods Unspent money - spent on consumer goods Unspent money - spent on consumer goods Unspent money - spent on consumer goods Unspent money - spent on consumer goods When your household remains with unspent money from month to month, generally what do you do with them? We spend it on consumer goods 382 2007 1 yes 2 no Sysmiss Unspent money - kept in cash Unspent money - kept in cash Unspent money - kept in cash Unspent money - kept in cash Unspent money - kept in cash When your household remains with unspent money from month to month, generally what do you do with them? We keep it in cash 387 2002 1 yes 2 no Sysmiss Unspent money - deposit it and don't withdraw it Unspent money - deposit it and don't withdraw it Unspent money - deposit it and don't withdraw it Unspent money - deposit it and don't withdraw it Unspent money - deposit it and don't withdraw it When your household remains with unspent money from month to month, generally what do you do with them? We deposit it or do not withdraw it from the account 384 2005 1 yes 2 no Sysmiss Unspent money - invest it in capital market Unspent money - invest it in capital market Unspent money - invest it in capital market Unspent money - invest it in capital market Unspent money - invest it in capital market When your household remains with unspent money from month to month, generally what do you do with them? We invest it in the capital market 380 2009 1 yes 2 no Sysmiss Unspent money - lend it to friends or relatives Unspent money - lend it to friends or relatives Unspent money - lend it to friends or relatives Unspent money - lend it to friends or relatives Unspent money - lend it to friends or relatives When your household remains with unspent money from month to month, generally what do you do with them? We lend it to friends or relatives 379 2010 1 yes 2 no Sysmiss Unspent money - invest it in our own business Unspent money - invest it in our own business Unspent money - invest it in our own business Unspent money - invest it in our own business Unspent money - invest it in our own business When your household remains with unspent money from month to month, generally what do you do with them? We invest it in our own business 380 2009 1 yes 2 no Sysmiss Unspent money - invest it in gold and jewellery Unspent money - invest it in gold and jewellery Unspent money - invest it in gold and jewellery Unspent money - invest it in gold and jewellery Unspent money - invest it in gold and jewellery When your household remains with unspent money from month to month, generally what do you do with them? We invest it in gold and jewellery 380 2009 1 yes 2 no Sysmiss Unspent money - Other Unspent money - Other Unspent money - Other Unspent money - Other Unspent money - Other When your household remains with unspent money from month to month, generally what do you do with them? Other 380 2009 1 yes 2 no Sysmiss Response to GF3X_8 if respondent selected other Response to GF3X_8 if respondent selected other Response to GF3X_8 if respondent selected other Response to GF3X_8 if respondent selected other Response to GF3X_8 if respondent selected other When your household remains with unspent money from month to month, generally what do you do with them? Other 7 AM AJUTAT COPIII AM CUMPARAT VALUTA AU BENEFICIAT COPIII MEI CHELTUIELILE COPILULUI LA SCOALA INVESTIT IN CASA CONSTRUITA TEREN TRATAMENT MEDICAL When out of money - cut down expenses When out of money - cut down expenses When out of money - cut down expenses When out of money - cut down expenses When out of money - cut down expenses When your household runs out of money from month to month, generally, what do you do? We cut down expenses 732 1657 1 yes 2 no Sysmiss When out of money - borrow from relatives/friends When out of money - borrow from relatives/friends When out of money - borrow from relatives/friends When out of money - borrow from relatives/friends When out of money - borrow from relatives/friends When your household runs out of money from month to month, generally, what do you do? We borrow money from relatives, friends and acquaintances 728 1661 1 yes 2 no Sysmiss When out of money - buy on credit from shops When out of money - buy on credit from shops When out of money - buy on credit from shops When out of money - buy on credit from shops When out of money - buy on credit from shops When your household runs out of money from month to month, generally, what do you do? We buy on credit (informally - „pe caiet") from shops 725 1664 1 yes 2 no Sysmiss When out of money - borrow from non-banking fin. institutions When out of money - borrow from non-banking fin. institutions When out of money - borrow from non-banking fin. institutions When out of money - borrow from non-banking fin. institutions When out of money - borrow from non-banking fin. institutions When your household runs out of money from month to month, generally, what do you do? We borrow from non-banking financial institutions (CAR, Provident etc.) 712 1677 1 yes 2 no Sysmiss When out of money - pawn jewellery or other goods When out of money - pawn jewellery or other goods When out of money - pawn jewellery or other goods When out of money - pawn jewellery or other goods When out of money - pawn jewellery or other goods When your household runs out of money from month to month, generally, what do you do? We pawn jewellery or other goods 711 1678 1 yes 2 no Sysmiss When out of money - spend our savings in lei When out of money - spend our savings in lei When out of money - spend our savings in lei When out of money - spend our savings in lei When out of money - spend our savings in lei When your household runs out of money from month to month, generally, what do you do? We spend our savings in lei 712 1677 1 yes 2 no Sysmiss When out of money - exchange in lei savings in foreign currency When out of money - exchange in lei savings in foreign currency When out of money - exchange in lei savings in foreign currency When out of money - exchange in lei savings in foreign currency When out of money - exchange in lei savings in foreign currency When your household runs out of money from month to month, generally, what do you do? We exchange in lei our savings in foreign currency 711 1678 1 yes 2 no Sysmiss When out of money - use a credit card When out of money - use a credit card When out of money - use a credit card When out of money - use a credit card When out of money - use a credit card When your household runs out of money from month to month, generally, what do you do? We use a credit card 712 1677 1 yes 2 no Sysmiss When out of money - work extra hours or do additional jobs When out of money - work extra hours or do additional jobs When out of money - work extra hours or do additional jobs When out of money - work extra hours or do additional jobs When out of money - work extra hours or do additional jobs When your household runs out of money from month to month, generally, what do you do? We work extra hours or do additional jobs 710 1679 1 yes 2 no Sysmiss When out of money - Other When out of money - Other When out of money - Other When out of money - Other When out of money - Other When your household runs out of money from month to month, generally, what do you do? Other 697 1692 1 yes 2 no Sysmiss Response to GF3Y_10 if respondent selected other Response to GF3Y_10 if respondent selected other Response to GF3Y_10 if respondent selected other Response to GF3Y_10 if respondent selected other Response to GF3Y_10 if respondent selected other When your household runs out of money from month to month, generally, what do you do? Other 13 A PRIMIT PRODUSE IN DAR AJUTOR COPII AM VANDUT ANIMALE CERSIT COLECTAT FIER VECHI LUCRAT UNDE ESTE NEVOIE MUNCA OCAZIONALA LA NEGRU NU AM FACUT NIMIC NU AM PLATIT UTILITATILE PRIMIT DE LA PARINTI VANDUT FIER VECHI VANDUT PRODUSE AGRICOLE VANDUT PRODUSE ANIMALE Do you have friends that recently had fin. problems? Do you have friends that recently had fin. problems? Do you have friends that recently had fin. problems? Do you have friends that recently had fin. problems? Do you have friends that recently had fin. problems? Please tell us whether there are such families among your acquaintances or friends who used to be relatively well-to-do and then suddenly encountered financial problems? If so, then what was the reason in your opinion? 2026 363 1 Yes, because someone in the household has lost his job due t 2 Yes, because of unfortunate series of events 3 Yes, because of a wrong money management 4 Yes, other 5 I do not know such families 9 dont know Sysmiss Response to GF4 if respondent selected other Response to GF4 if respondent selected other Response to GF4 if respondent selected other Response to GF4 if respondent selected other Response to GF4 if respondent selected other 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? 23 A PIERDUT LA FNI BOALA CAUZA FINANCIARA CHELTUIELI FARA MASURA CRESTEREA PRETURILOR CRIZA FINANCIAR-ECONOMICA CRIZA FINANCIARA SI NOILE REGLEMENTARI FINANCIARE DIN CAUZA CRIZEI FINANCIARE DIN CAUZA CRIZEI IMOBILIARE# AU CUMPARAT SCUMP TERENURI SI ACUM NU LE MAI POT VINDE IMPRUMUT LA BANCA NEPLATA LA TIMP A SALARIILOR NU AU MAI AVUT SERVICIU NU AVEM ALTE SURSE(PAMANT) PENTRU CA NU LE AJUNG BANII PRETURILE CRESC CONTINUU REDUCEREA VENITURILOR S-A PENSIONAT SI S-AU REDUS VENITURILE SALARII MICI COSTURI MARI SALARII MICI#FAM CU 4 COPII SALRII MICI PRETURI MARI SCADEREA SALARIILOR SCADEREA VENITURILOR DIN ALTE MOTIVE VENITURI MICI PRETURI MARI Household had a unexpected significant reduction of income in last 3 years? Household had a unexpected significant reduction of income in last 3 years? Household had a unexpected significant reduction of income in last 3 years? Household had a unexpected significant reduction of income in last 3 years? Household had a unexpected significant reduction of income in last 3 years? Did you household experience an unexpected significant reduction of your income over the last three years? If No --> GO TO GF6 2026 363 1 yes 2 no 9 dont know Sysmiss Lost income due to loss of employment due to economic crisis Lost income due to loss of employment due to economic crisis Lost income due to loss of employment due to economic crisis Lost income due to loss of employment due to economic crisis Lost income due to loss of employment due to economic crisis If Yes (code 1 at GF5) What was the reason for this reduction of your income? Loss of employment due to economic crisis 656 1733 1 yes 2 no Sysmiss Lost income due to loss of employment due to accident/illness Lost income due to loss of employment due to accident/illness Lost income due to loss of employment due to accident/illness Lost income due to loss of employment due to accident/illness Lost income due to loss of employment due to accident/illness If Yes (code 1 at GF5) What was the reason for this reduction of your income? Loss of employment because of an accident, illness or disability 631 1758 1 yes 2 no Sysmiss Lost income due to considerable reduction of salary/delay in payment Lost income due to considerable reduction of salary/delay in payment Lost income due to considerable reduction of salary/delay in payment Lost income due to considerable reduction of salary/delay in payment Lost income due to considerable reduction of salary/delay in payment If Yes (code 1 at GF5) What was the reason for this reduction of your income? Considerable reduction of salary, or delays with salary payment 640 1749 1 yes 2 no Sysmiss Lost income due to breakup, separation or divorce Lost income due to breakup, separation or divorce Lost income due to breakup, separation or divorce Lost income due to breakup, separation or divorce Lost income due to breakup, separation or divorce If Yes (code 1 at GF5) What was the reason for this reduction of your income? Breakup, separation or divorce 629 1760 1 yes 2 no Sysmiss Lost income due to retirement of the main breadwinner Lost income due to retirement of the main breadwinner Lost income due to retirement of the main breadwinner Lost income due to retirement of the main breadwinner Lost income due to retirement of the main breadwinner If Yes (code 1 at GF5) What was the reason for this reduction of your income? Retirement of the main breadwinner 631 1758 1 yes 2 no Sysmiss Lost income due to other Lost income due to other Lost income due to other Lost income due to other Lost income due to other If Yes (code 1 at GF5) What was the reason for this reduction of your income? Other 615 1774 1 yes 2 no Sysmiss Response to GF5A_f if respondent selected other Response to GF5A_f if respondent selected other Response to GF5A_f if respondent selected other Response to GF5A_f if respondent selected other Response to GF5A_f if respondent selected other If Yes (code 1 at GF5) What was the reason for this reduction of your income? Other (specified) 76 A FOST OBLIGATA SA-SI DEA DEMISIA A PIERDUT UN LOC DE MUNCA IN STRAINATATE A SCAZUT AJUTOR SOCIAL ACHITAREA ALOCATIEI CU MARE INTARZIERE AGRICULTURA SLABA AM FOST INCHIS BAIATUL NU GASESTE LOC DE MUNCA# E IN SOMAJ BOALA CAND AU INCEPUT COPIII FACULTATEA CHELTUIELI CU COPIII CHELTUIELI MAI MARI LA LUCRARI AGRICOLE CHELTUIELI NEPREVAZUTE CONCEDIU CRESTERE COPIL CONCEDIU MATERNITATE CONCEIU PENTRU INGRIJIRE COPIL COSTUL MARE AL MEDICAMENTELOR CRESTEREA CHELTUIELILOR SCOLARE CRESTEREA PRETURILOR LA MEDICAMENTE CRIZA ECONOMICA CRIZA FINANCIARA DECESUL SOTULUI DEVALORIZARE LEU DIFERENTA DE PRETURI DIN CAUZA CRIZEI DISTRUGEREA RECOLTEI - GHEATA DUPA VENIREA DIN SPANIA 2009 ECONOMIA IN CADERE FALIMENTUL AFACERII PROPRII FARA AJUTOR FIUL A RAMAS FARA SERVICIU INCEPEREA FACULATATII INCHIDEREA DE ACTIVITATI SI SERVICII PROPRII INFLATIA-DEVALORIZAREA LEULUI INGRIJIREA COPILULUI BOLNAV INUNDATII SI NU AM FOST AJUTATI ISI SUSTINE MAMA CU MEDICAMENTE LUCRA DOAR SOTUL LUCRARI PUTINE LUCRARILE AGRICOLE SCUMPE MAI AVEAM UN SERVICIU MAI SCUMP MARIREA CONTINUA A PRETURILOR MAI ALES LA UTILITATI MOTIVE GRAVE DE SANATATE NU A AVUT UNDE MUNCII. NU A GASIT DE LUCRU NU AM AVUT CUI VINDE PRODUCTIA DE LEMNE. NU AM UN LOC DE MUNCA STABIL PENSIA MEA PENSIE FOARTE MICA PENSIE MICA PIERDEREA CAPACITATII DE MUNCA PRET MARE LA MEDICAMENTE RATA LA BANCA REDUCERE PENSIE URMAS REDUCEREA CASTIGURILOR REDUCEREA COMISIONULUI REDUCERI PENSIE RENOVARE LOCUINTA RESTITUIRE IMPRUMUT RATA IN VALOARE MARE SCADEREA AJUTORULUI SOCIAL SCUMPIRI MASIVE SCUMPIRI# GAZ# CURENT+SCOALA SE CASTIGA MAI PUTIN SECETA A REDUS VENITURILE AGRICOLE SECETA A SCAZUT PRODUCTIA AGRICOLA SECETA CARE A AFECTAT GOSPODARIA SHIMBAREA LOCULUI DE MUNCA SOTIA LUCRA CA ASISTENTA MEDICALA LA UN CMI SI II DADEA BANI CUM VROIA D-NA DOCTOR SUNTEM MULTI MEMBRI IN GOSPODARIE SI NU AVEM VENITURI TRANSFERAT LA ALT LOC DE MUNCA VARSTA SI UN LOC DE MUNCA VENITURI MAI MICI VENITURI MICI CHELTUIELI MARI Made ends meet by cutting down expenses and saving Made ends meet by cutting down expenses and saving Made ends meet by cutting down expenses and saving Made ends meet by cutting down expenses and saving Made ends meet by cutting down expenses and saving How did you manage to make the ends meet when your income suddenly dropped? We cut down expenses and saved 666 1723 1 yes 2 no Sysmiss Made ends meet by borrowing money from relatives/friends Made ends meet by borrowing money from relatives/friends Made ends meet by borrowing money from relatives/friends Made ends meet by borrowing money from relatives/friends Made ends meet by borrowing money from relatives/friends How did you manage to make the ends meet when your income suddenly dropped? We borrowed money from relatives, friends and acquaintances 662 1727 1 yes 2 no Sysmiss Made ends meet by buying on credit from shops Made ends meet by buying on credit from shops Made ends meet by buying on credit from shops Made ends meet by buying on credit from shops Made ends meet by buying on credit from shops How did you manage to make the ends meet when your income suddenly dropped? We bought on credit (informally - „pe caiet") from shops 662 1727 1 yes 2 no Sysmiss Made ends meet by borrowing from non-banking fin. institutions Made ends meet by borrowing from non-banking fin. institutions Made ends meet by borrowing from non-banking fin. institutions Made ends meet by borrowing from non-banking fin. institutions Made ends meet by borrowing from non-banking fin. institutions How did you manage to make the ends meet when your income suddenly dropped? We borrowed from non-banking financial institutions (CAR, Provident etc.) 657 1732 1 yes 2 no Sysmiss Made ends meet by pawning jewellery or other goods Made ends meet by pawning jewellery or other goods Made ends meet by pawning jewellery or other goods Made ends meet by pawning jewellery or other goods Made ends meet by pawning jewellery or other goods How did you manage to make the ends meet when your income suddenly dropped? We pawned jewellery or other goods 657 1732 1 yes 2 no Sysmiss Made ends meet by spending our savings in lei Made ends meet by spending our savings in lei Made ends meet by spending our savings in lei Made ends meet by spending our savings in lei Made ends meet by spending our savings in lei How did you manage to make the ends meet when your income suddenly dropped? We spent our savings in lei 657 1732 1 yes 2 no Sysmiss Made ends meet by exchanging in lei our savings in foreign currency Made ends meet by exchanging in lei our savings in foreign currency Made ends meet by exchanging in lei our savings in foreign currency Made ends meet by exchanging in lei our savings in foreign currency Made ends meet by exchanging in lei our savings in foreign currency How did you manage to make the ends meet when your income suddenly dropped? We exchanged in lei our savings in foreign currency 656 1733 1 yes 2 no Sysmiss Made ends meet by using a credit card Made ends meet by using a credit card Made ends meet by using a credit card Made ends meet by using a credit card Made ends meet by using a credit card How did you manage to make the ends meet when your income suddenly dropped? We used a credit card 657 1732 1 yes 2 no Sysmiss Made ends meet by working extra hours or doing additional jobs Made ends meet by working extra hours or doing additional jobs Made ends meet by working extra hours or doing additional jobs Made ends meet by working extra hours or doing additional jobs Made ends meet by working extra hours or doing additional jobs How did you manage to make the ends meet when your income suddenly dropped? We worked extra hours or do additional jobs 655 1734 1 yes 2 no Sysmiss Made ends meet by doing other Made ends meet by doing other Made ends meet by doing other Made ends meet by doing other Made ends meet by doing other How did you manage to make the ends meet when your income suddenly dropped? Other 638 1751 1 yes 2 no Sysmiss Response to GF5B_12 if respondent selected other Response to GF5B_12 if respondent selected other Response to GF5B_12 if respondent selected other Response to GF5B_12 if respondent selected other Response to GF5B_12 if respondent selected other How did you manage to make the ends meet when your income suddenly dropped? Other 19 AJUTOR COPII AJUTOR DE LA PARINTI AM ADUNAT FIER VECHI AM LUCRAT IN AGRICULTURA# AM PAMANT LA DOMNESTI AM LUCRAT PE TIMPUL VACANTEI AM PLECAT DIN TARA AM PRIMIT AJUTOR DE LA RUDE# PRIETENI# DE LA SERVICIUL SOTULUI# AL MEU AM REDUS ACTIVITATEA AM VANDUT PRODUSE AGRICOLE CAUT UN LOC DE MUNCA COLECTAT FIER VECHI FAC O FACULTATE PENTRU A AVEA SALARIUL MAI MARE FIUL A PLECAT IN SPANIA LA LUCRU IN 2009 MI-AU DAT COPIII. MUNCA IN STRAINATATE NE-AM INTORS ACASA LA PARINTI O PERSOANA DIN FAMILIE A PLECAT LA LUCRU IN STRAINATATE ORDONANTA PLECAT IN STRAINATATE In last 12 months, has your household borrowed to pay back debts? In last 12 months, has your household borrowed to pay back debts? In last 12 months, has your household borrowed to pay back debts? In last 12 months, has your household borrowed to pay back debts? In last 12 months, has your household borrowed to pay back debts? How often during the last 12 months your household had to borrow to pay back your other debts? 2026 363 1 Never 2 Very rarely 3 Sometimes 4 Very often 5 Always 9 dont know Sysmiss 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? 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? Would you please say whether you (your family) have (has) any debts now? Would you please say whether your household has any debts now? Loans rates not included If No --> GO TO GF8 2026 363 1 yes 2 no 9 dont know Sysmiss Comparing to your household income, how approximately are your debts? Comparing to your household income, how approximately are your debts? Comparing to your household income, how approximately are your debts? Comparing to your household income, how approximately are your debts? Comparing to your household income, how approximately are your debts? If Yes Comparing to your total monthly household income, approximately how much are your debts? Loans rates not included. 511 1878 1 Less than the monthly income 2 approx. 1-2 monthly incomes 3 approx. 2-3 4 approx. 4-6 5 approx. 7-12 monthly incomes 6 More than the annual income 9 dont know Sysmiss With extra money - spend it on the purchase if household goods With extra money - spend it on the purchase if household goods With extra money - spend it on the purchase if household goods With extra money - spend it on the purchase if household goods With extra money - spend it on the purchase if household goods Let's assume that in addition to your regular income your family got some money in the amount of 50,000 lei, meaning approximately 12,500 euro. What would you do with this money most likely? I'll spend it on the purchase of household goods (furniture, clothes, home electronic appliances, etc.) Choose maximum 3 answers 2026 363 no 1 yes 99 dont know Sysmiss With extra money - use it to borrow and buy land/car With extra money - use it to borrow and buy land/car With extra money - use it to borrow and buy land/car With extra money - use it to borrow and buy land/car With extra money - use it to borrow and buy land/car Let's assume that in addition to your regular income your family got some money in the amount of 50,000 lei, meaning approximately 12,500 euro. What would you do with this money most likely? I'll try to add money (through borrowing, e.g.) and buy a plot of land, a car, etc. Choose maximum 3 answers 2026 363 no 1 yes 99 dont know Sysmiss With extra money - make long-term savings to accumalate money to buy exp. things With extra money - make long-term savings to accumalate money to buy exp. things With extra money - make long-term savings to accumalate money to buy exp. things With extra money - make long-term savings to accumalate money to buy exp. things With extra money - make long-term savings to accumalate money to buy exp. things Let's assume that in addition to your regular income your family got some money in the amount of 50,000 lei, meaning approximately 12,500 euro. What would you do with this money most likely? I'll make long-term savings to accumulate money for more expensive things (a house, apartment, expensive car, etc.) Choose maximum 3 answers 2026 363 no 1 yes 99 dont know Sysmiss With extra money - make reserves for unexpected event, etc. With extra money - make reserves for unexpected event, etc. With extra money - make reserves for unexpected event, etc. With extra money - make reserves for unexpected event, etc. With extra money - make reserves for unexpected event, etc. Let's assume that in addition to your regular income your family got some money in the amount of 50,000 lei, meaning approximately 12,500 euro. What would you do with this money most likely? I'll make reserves (for unexpected event, special events, for a rainy day, etc.) Choose maximum 3 answers 2026 363 no 1 yes 99 dont know Sysmiss With extra money - repay my earlier debts With extra money - repay my earlier debts With extra money - repay my earlier debts With extra money - repay my earlier debts With extra money - repay my earlier debts Let's assume that in addition to your regular income your family got some money in the amount of 50,000 lei, meaning approximately 12,500 euro. What would you do with this money most likely? I'll repay my earlier debts Choose maximum 3 answers 2026 363 no 1 yes 99 dont know Sysmiss With extra money - spend it on entertainment, on travel or vacation With extra money - spend it on entertainment, on travel or vacation With extra money - spend it on entertainment, on travel or vacation With extra money - spend it on entertainment, on travel or vacation With extra money - spend it on entertainment, on travel or vacation Let's assume that in addition to your regular income your family got some money in the amount of 50,000 lei, meaning approximately 12,500 euro. What would you do with this money most likely? I'll spend it on entertainment, on travel or vacation Choose maximum 3 answers 2026 363 no 1 yes 99 dont know Sysmiss With extra money - spend it on education and development of my children With extra money - spend it on education and development of my children With extra money - spend it on education and development of my children With extra money - spend it on education and development of my children With extra money - spend it on education and development of my children Let's assume that in addition to your regular income your family got some money in the amount of 50,000 lei, meaning approximately 12,500 euro. What would you do with this money most likely? I'll spend it on education and development of my children Choose maximum 3 answers 2026 363 no 1 yes 99 dont know Sysmiss With extra money - spend it on upgrade of my skills or training for a new job With extra money - spend it on upgrade of my skills or training for a new job With extra money - spend it on upgrade of my skills or training for a new job With extra money - spend it on upgrade of my skills or training for a new job With extra money - spend it on upgrade of my skills or training for a new job Let's assume that in addition to your regular income your family got some money in the amount of 50,000 lei, meaning approximately 12,500 euro. What would you do with this money most likely? I'll spend it on upgrade of my skills or training for a new vacation/profession Choose maximum 3 answers 2026 363 no 1 yes 99 dont know Sysmiss With extra money - spend it on my medical treatment and that of my close family With extra money - spend it on my medical treatment and that of my close family With extra money - spend it on my medical treatment and that of my close family With extra money - spend it on my medical treatment and that of my close family With extra money - spend it on my medical treatment and that of my close family Let's assume that in addition to your regular income your family got some money in the amount of 50,000 lei, meaning approximately 12,500 euro. What would you do with this money most likely? I'll spend it on my medical treatment and that of my close family Choose maximum 3 answers 2026 363 no 1 yes 99 dont know Sysmiss With extra money - invest it in my own business With extra money - invest it in my own business With extra money - invest it in my own business With extra money - invest it in my own business With extra money - invest it in my own business Let's assume that in addition to your regular income your family got some money in the amount of 50,000 lei, meaning approximately 12,500 euro. What would you do with this money most likely? I'll invest it in my own business Choose maximum 3 answers 2026 363 no 1 yes 99 dont know Sysmiss With extra money - buy an insurance policy/spend it on voluntary pension With extra money - buy an insurance policy/spend it on voluntary pension With extra money - buy an insurance policy/spend it on voluntary pension With extra money - buy an insurance policy/spend it on voluntary pension With extra money - buy an insurance policy/spend it on voluntary pension Let's assume that in addition to your regular income your family got some money in the amount of 50,000 lei, meaning approximately 12,500 euro. What would you do with this money most likely? I'll buy an insurance policy for myself or the family, spend it on voluntary pension (through a pension fund) Choose maximum 3 answers 2026 363 no 1 yes 99 dont know Sysmiss With extra money - buy gold, jewels and the like With extra money - buy gold, jewels and the like With extra money - buy gold, jewels and the like With extra money - buy gold, jewels and the like With extra money - buy gold, jewels and the like Let's assume that in addition to your regular income your family got some money in the amount of 50,000 lei, meaning approximately 12,500 euro. What would you do with this money most likely? I'll buy gold, jewels and the like Choose maximum 3 answers 2026 363 no 1 yes 99 dont know Sysmiss With extra money - invest it in a bank deposit at an interest rate With extra money - invest it in a bank deposit at an interest rate With extra money - invest it in a bank deposit at an interest rate With extra money - invest it in a bank deposit at an interest rate With extra money - invest it in a bank deposit at an interest rate Let's assume that in addition to your regular income your family got some money in the amount of 50,000 lei, meaning approximately 12,500 euro. What would you do with this money most likely? I'll invest it in the bank deposit at an interest rate Choose maximum 3 answers 2026 363 no 1 yes 99 dont know Sysmiss With extra money - buy shares and stock of Romanian companies/govt. bonds With extra money - buy shares and stock of Romanian companies/govt. bonds With extra money - buy shares and stock of Romanian companies/govt. bonds With extra money - buy shares and stock of Romanian companies/govt. bonds With extra money - buy shares and stock of Romanian companies/govt. bonds Let's assume that in addition to your regular income your family got some money in the amount of 50,000 lei, meaning approximately 12,500 euro. What would you do with this money most likely? I'll buy shares and other stock of Romanian companies, buy government bonds (obligations and the like) Choose maximum 3 answers 2026 363 no 1 yes 99 dont know Sysmiss With extra money - other With extra money - other With extra money - other With extra money - other With extra money - other Let's assume that in addition to your regular income your family got some money in the amount of 50,000 lei, meaning approximately 12,500 euro. What would you do with this money most likely? Other Choose maximum 3 answers 2026 363 no 1 yes 99 dont know Sysmiss Response to GF8_15 if respondent selected other Response to GF8_15 if respondent selected other Response to GF8_15 if respondent selected other Response to GF8_15 if respondent selected other Response to GF8_15 if respondent selected other Let's assume that in addition to your regular income your family got some money in the amount of 50,000 lei, meaning approximately 12,500 euro. What would you do with this money most likely? Other Choose maximum 3 answers 70 ACOPERIS LA CASA AJUTA COPIII AJUTA COPIII SI NEPOTII AR DA BANII FIULUI AR DA COPIILOR AR DA SI ALTORA AS ACOPERI DIN CREDITELE EXISTENTE AS AJUTA COPII AS AJUTA RUDE CARE AU NEVOIE AS CONSTRUI O CASA AS CONSTRUI PE LANGA CASA AS CONTINUA CONSTRUCTIA LA CASA AS CUMPARA O CASA AS CUMPARA PRODUSE ALIMENTARE AS DA LA BISERICA AS DA LA BISERICA SI LA CEI SARACI AS DA LA COPII AS DA LA COPII AMARATI AS DA LA SARACI AS DA PARINTILOR SI SOREI AS DEPUNE BANII INTR-O BANCA IN STRAINATATE AS DESCHIDE UN MAGAZIN MIXT LA TARA AS DONA LA PERSOANELE NEVOIASE SI LA BISERICI AS FACE CASE AS IMPULSIONA AFACEREA AS PLECA IN STRAINATATE AS RENOVA CASA AS REPARA CASA AS REPARA CASA PARINTEASCA AS TINE BANII IN CASA CARNE# ALIMENTE CUMPARAREA UNEI CASE COPIILOR DA LA COPII DONATIE LA AMARATI DONATIE LA OAMENII NECAJITI# CU MULTI COPII DONATII DONATII BISERICA# MORMANT DONATII LA CEI SARACI# CU COPII MULTI DONEZ SARACILOR I-AR DA PARINTILOR I-AS DA COPIILOR I-AS DA LA COPII SI NEPOTI I-AS DONA LA MANASTIRI IMBUNATATIREA CONFORTULUI DIN LOCUINTA INGRIJIREA SANATATII INMORMANTARE INVESTESC IN CASA#REPARATII-MODERNIZARI INVESTIRE INTR-O AFACERE INVESTIT IN LOCUINTE M-AS MARITA MI-AS CAUTA SANATATEA LA DOCTORI MI-AS TERMINA CASA NU M-AM GANDIT O FACE O CANTINA DE SARACI PLEACA IN STRAINATATE LA MUNCA. RENOVARE LOCUINTA REPAR CASA REPARA CASA REPARATIA CASEI REPARATII CASA REPARATII LA CASA REPARATII LOCUINTA SA AJUT COPII SI-AR AJUTA COPIII SUME IMPARTITE LA NEVOI TERMINAREA LOCUINTEI UN LOC DE VECI# AS DA LA AZILURI# LA BOLNAVI With extra money - don't know With extra money - don't know With extra money - don't know With extra money - don't know With extra money - don't know Let's assume that in addition to your regular income your family got some money in the amount of 50,000 lei, meaning approximately 12,500 euro. What would you do with this money most likely? Don't know Choose maximum 3 answers 2026 363 no 1 yes Sysmiss How do you (does your family) usually manage your everyday revenues? How do you (does your family) usually manage your everyday revenues? How do you (does your family) usually manage your everyday revenues? How do you (does your family) usually manage your everyday revenues? How do you (does your family) usually manage your everyday revenues? Does your household usually manage your everyday revenues? 2026 363 1 I try to save something and spend the rest of the money on t 2 I spend money on the everyday needs and save the rest 3 I spend all the money on everyday needs and do not save anyt 9 dont know Sysmiss Comparing to your household income, how approximately are your savings? Comparing to your household income, how approximately are your savings? Comparing to your household income, how approximately are your savings? Comparing to your household income, how approximately are your savings? Comparing to your household income, how approximately are your savings? If household saves (codes 1 and 2 at GF9) Comparing to your total monthly household income, approximately how much are your savings? 944 1445 1 Less than the monthly income 2 approx. 1-2 monthly incomes 3 approx. 2-3 4 approx. 4-6 5 approx. 7-12 monthly incomes 6 More than the annual income 9 dont know Sysmiss Savings are for a rainy day, for unexpected expenses Savings are for a rainy day, for unexpected expenses Savings are for a rainy day, for unexpected expenses Savings are for a rainy day, for unexpected expenses Savings are for a rainy day, for unexpected expenses GF9B. What are the reasons to have made savings? For a rainy day, for unexpected expenses Multiple response 2026 363 no 1 yes 97 not applicable 99 dont know Sysmiss Savings are for retirement Savings are for retirement Savings are for retirement Savings are for retirement Savings are for retirement GF9B. What are the reasons to have made savings? For retirement Multiple response 2026 363 no 1 yes 97 not applicable 99 dont know Sysmiss Savings are to be left for the children to inherit Savings are to be left for the children to inherit Savings are to be left for the children to inherit Savings are to be left for the children to inherit Savings are to be left for the children to inherit GF9B. What are the reasons to have made savings? To leave something for children to inherit Multiple response 2026 363 no 1 yes 97 not applicable 99 dont know Sysmiss Savings are to get income in the form of interest,etc. Savings are to get income in the form of interest,etc. Savings are to get income in the form of interest,etc. Savings are to get income in the form of interest,etc. Savings are to get income in the form of interest,etc. GF9B. What are the reasons to have made savings? To get income in the form of interest, increased market value of assets, etc. Multiple response 2026 363 no 1 yes 97 not applicable 99 dont know Sysmiss Savings are to increase my living standards in the future Savings are to increase my living standards in the future Savings are to increase my living standards in the future Savings are to increase my living standards in the future Savings are to increase my living standards in the future GF9B. What are the reasons to have made savings? To increase my living standards in the future Multiple response 2026 363 no 1 yes 97 not applicable 99 dont know Sysmiss Savings are because I like saving rather than spending money Savings are because I like saving rather than spending money Savings are because I like saving rather than spending money Savings are because I like saving rather than spending money Savings are because I like saving rather than spending money GF9B. What are the reasons to have made savings? I like saving rather than spending money Multiple response 2026 363 no 1 yes 97 not applicable 99 dont know Sysmiss Savings are because it is family tradition Savings are because it is family tradition Savings are because it is family tradition Savings are because it is family tradition Savings are because it is family tradition GF9B. What are the reasons to have made savings? This is a family tradition Multiple response 2026 363 no 1 yes 97 not applicable 99 dont know Sysmiss Savings are for other reasons Savings are for other reasons Savings are for other reasons Savings are for other reasons Savings are for other reasons GF9B. What are the reasons to have made savings? Other Multiple response 2026 363 no 1 yes 97 not applicable 99 dont know Sysmiss Response to GF9B_8 if respondent selected other Response to GF9B_8 if respondent selected other Response to GF9B_8 if respondent selected other Response to GF9B_8 if respondent selected other Response to GF9B_8 if respondent selected other GF9B. What are the reasons to have made savings? Other (specified) Multiple response 23 A DA COPIILOR SI NEPOTILOR AM DE PLATIT CREDITE CALATORII# VACANTE CONCEDIU CONSTRUIREA UNEI CASE EDUCATIA COPIILOR INMORMANTARE MEDICAMENTE MEDICAMENTE# TRATAMENTE NU AM NICIUN VENIT SI AM CREDIT BANCAR PENTRU A CUMPARA CASA. PENTRU A CUMPARA O CASA PENTRU A LUA O CASA PENTRU INCEPEREA UNEI MICI AFACERI PENTRU MEDICAMENTE PENTRU MEDICAMENTE# TRATAMENT PENTRU ORGANIZAREA NUNTII SA NU RAMAN DATOR LA CONSUM SA-I LAS COPIILOR TRATAMENT UN CAZ DE DECES Don't know reasons for saving Don't know reasons for saving Don't know reasons for saving Don't know reasons for saving Don't know reasons for saving GF9B. What are the reasons to have made savings? Don't know Multiple response 2026 363 no 1 yes 97 not applicable 99 dont know Sysmiss Don't save as I don't trust financial institutions Don't save as I don't trust financial institutions Don't save as I don't trust financial institutions Don't save as I don't trust financial institutions Don't save as I don't trust financial institutions If household does not make savings(code 3 at GF9) What are the reasons? I don't trust financial institutions Multiple response 2026 363 no 1 yes 97 not applicable 99 dont know Sysmiss Don't save as I have a low income Don't save as I have a low income Don't save as I have a low income Don't save as I have a low income Don't save as I have a low income If household does not make savings(code 3 at GF9) What are the reasons? I cannot do this because of a low income Multiple response 2026 363 no 1 yes 97 not applicable 99 dont know Sysmiss Don't save as I don't see the point in making savings Don't save as I don't see the point in making savings Don't save as I don't see the point in making savings Don't save as I don't see the point in making savings Don't save as I don't see the point in making savings If household does not make savings(code 3 at GF9) What are the reasons? I don't see the point in making savings Multiple response 2026 363 no 1 yes 97 not applicable 99 dont know Sysmiss Don't save as I can't resist the temptation to spend money Don't save as I can't resist the temptation to spend money Don't save as I can't resist the temptation to spend money Don't save as I can't resist the temptation to spend money Don't save as I can't resist the temptation to spend money If household does not make savings(code 3 at GF9) What are the reasons? I cannot resist the temptation to spend the money on shopping Multiple response 2026 363 no 1 yes 97 not applicable 99 dont know Sysmiss Don't save as for other reasons Don't save as for other reasons Don't save as for other reasons Don't save as for other reasons Don't save as for other reasons If household does not make savings(code 3 at GF9) What are the reasons? Other Multiple response 2026 363 no 1 yes 97 not applicable 99 dont know Sysmiss Response to GF10_8 if respondent selected other Response to GF10_8 if respondent selected other Response to GF10_8 if respondent selected other Response to GF10_8 if respondent selected other Response to GF10_8 if respondent selected other If household does not make savings(code 3 at GF9) What are the reasons? Other (specified) Multiple response 38 AM 6 COPII MICI AM COPII AM RATE SI STUDENTI AS FACE UN DEPOZIT DAR SUNT DUPA SOMAJ SI FAC SCOALA.NU E MOMENTUL. AU CREDITE LUATE BANII SE DEVALORIZEAZA BANII TREBUIE SA ADUCA PROFIT CHELTUIELI MARI CHELTUIELI MEDICAMENTE CHELTUIELI MICI COMPARABIL CU VENITURI CHELTUIELI MULTE COPII LA SCOALA COPII MULTI CREDIT IPOTECAR CONTRACTAT DAM SI LA COPII CA AU RAMAS FARA SERVICIU DE TERMINAT CASA DEJA AM DATORII PE CARE BANCA LE-A ESALONAT PE ALTE DOBANZI SI TOT NU POT PLATI RATELE IN TERMEN. INVESTESTE IN AFACERA PERSONALA LUCRARILE AGRICOLE SUNT FOARTE SCUMPE NU AM BANI NU AM DE UNDE SA FAC ECONOMII NU AM DIN CE-CHELTUIELI PREA MARI NU AM NICIUN VENIT NU AM VENITURI PROPRII NU AU LOCURI DE MUNCA NU DETIN UN LOC DE MUNCA NU GASIM UNDE SA LUCRAM NU MAI REUSIM SA NE PLATIM DATORIILE LA BANCA.DOBANZILE DEPASESC PUTEREA NOASTRA DE RAMBURSARE. NU SUNT BANI RATE REINVESTESC IN FIRMA SANATATEA MEA CERE EFORTURI FINANCIARE FOARTE MARI STUDENT INTRETINUT SUNT BOLNAV PLUS CA MEDICAMENTELE SUNT SCUMPE SUNT SOMER CU RATE BANCARE VARSTA SI LIPSA UNUI VENIT Don't save - don't know why Don't save - don't know why Don't save - don't know why Don't save - don't know why Don't save - don't know why If household does not make savings(code 3 at GF9) What are the reasons? Don't know Multiple response 2026 363 no 1 yes 97 not applicable 99 dont know Sysmiss Respondent code Respondent code Respondent code Respondent code Respondent code Person's code 2026 363 1 Sysmiss Gender Gender Gender Gender Gender Sex 2026 363 1 male 2 female Sysmiss Age Age Age Age Age Age 2026 363 16 97 48.617 19.486 Nationality Nationality Nationality Nationality Nationality Nationality 2026 363 1 Romanian 2 Hungarian 3 Roma 4 German 5 Other Sysmiss Highest level of education Highest level of education Highest level of education Highest level of education Highest level of education Highest level of education achieved 2026 363 1 no school 2 primary (1- 4 classes) 3 secondary (5-8 classes) 4 vocational, apprentice or complementary 5 first level of high school (9-10 classes) 6 high school (9-12 classes) 7 post-secondary, technical school 8 college degree 9 university (including Master degree) 10 doctoral studies Sysmiss Main occupational status in the present Main occupational status in the present Main occupational status in the present Main occupational status in the present Main occupational status in the present Main occupational status in the present 2026 363 1 employee 2 other status of employed persons (daily worker, black market 3 business owner 4 self-employed person in non-agricultural activities (include 5 self-employed person in agricultural activities 6 family helper 7 registered as unemployed 8 unregistered unemployed 9 retired – due to age 10 retired-other causes 11 pupil, student 12 housewife 13 person unable to work 14 another status of non working person Sysmiss Main occupation Main occupation Main occupation Main occupation Main occupation Main occupation FOR PERSONS WITH OCCUPATION ONLY To be completed only for the persons aged 15+, members of the household 825 1564 1 managers, business owners, entrepreneurs 2 intellectual employments: teacher, physician 3 technicians or foremen: nurses, primary school teachers 4 clerks: secretary, librarian, cashier 5 workers in services and commerce 6 qualified farmers or workers 7 craftsmen and maintenance mechanics 8 skilled workers 9 unskilled workers in non-agricultural sectors 10 daily workers/black market workers in agriculture 11 daily workers/black market workers in non-agriculture 12 military officer Sysmiss Main source of income Main source of income Main source of income Main source of income Main source of income Main source of income To be completed only for the persons aged 15+, members of the household 2025 364 no income 1 salary/ wages 3 income from self-employed authorized non-agricultural activities 4 daily paid or occasional incomes 5 old age pension 6 disability, illness, veteran pension 7 agricultural (CAP) pension 8 unemployment/ redundancy benefit 9 scholarship 10 child allowance 11 the minimum guaranteed income, social allowance 12 other social transfers 13 money received from relatives who work abroad 14 private transfers (e.g. child support) 16 income from self-employment agricultural activities 17 other Sysmiss Household income in april 2010 Household income in april 2010 Household income in april 2010 Household income in april 2010 Household income in april 2010 Last month (March 2010), the total amount received from salaries, pensions, child allowances, sales etc. by all household's members (including the respondent) was approximately... To be completed only for the persons aged 15+, members of the household 1964 425 18647 1265.503 1265.857 Respondent income in april 2010 Respondent income in april 2010 Respondent income in april 2010 Respondent income in april 2010 Respondent income in april 2010 And the total amount received by the respondent (CPERS=01) was approximately… To be completed only for the persons aged 15+, members of the household 1943 446 20000 635.247 797.886 Financial service 1 Financial service 1 Financial service 1 Financial service 1 Financial service 1 List of financial services To be completed only for the persons aged 15+, members of the household. 1702 687 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car/ terrain loans 13 Pawning goods 14 Loans from Provident, Fingroup Credit or other non-banking f 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - „pe caiet”) from food shops 18 Buying on credit from the electrical appliances shops 19 I dont use financial services Sysmiss Financial service 2 Financial service 2 Financial service 2 Financial service 2 Financial service 2 List of financial services To be completed only for the persons aged 15+, members of the household. 377 2012 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car/ terrain loans 13 Pawning goods 14 Loans from Provident, Fingroup Credit or other non-banking f 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - „pe caiet") from food shops 18 Buying on credit from the electrical appliances shops 19 I dont use financial services Sysmiss Financial service 3 Financial service 3 Financial service 3 Financial service 3 Financial service 3 List of financial services To be completed only for the persons aged 15+, members of the household. 160 2229 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car/ terrain loans 13 Pawning goods 14 Loans from Provident, Fingroup Credit or other non-banking f 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - „pe caiet") from food shops 18 Buying on credit from the electrical appliances shops 19 I dont use financial services Sysmiss Financial service 4 Financial service 4 Financial service 4 Financial service 4 Financial service 4 List of financial services To be completed only for the persons aged 15+, members of the household. 62 2327 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car/ terrain loans 13 Pawning goods 14 Loans from Provident, Fingroup Credit or other non-banking f 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - „pe caiet") from food shops 18 Buying on credit from the electrical appliances shops 19 I dont use financial services Sysmiss Financial service 5 Financial service 5 Financial service 5 Financial service 5 Financial service 5 List of financial services To be completed only for the persons aged 15+, members of the household. 21 2368 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car/ terrain loans 13 Pawning goods 14 Loans from Provident, Fingroup Credit or other non-banking f 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - „pe caiet") from food shops 18 Buying on credit from the electrical appliances shops 19 I dont use financial services Sysmiss Financial service 6 Financial service 6 Financial service 6 Financial service 6 Financial service 6 List of financial services To be completed only for the persons aged 15+, members of the household. 13 2376 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car/ terrain loans 13 Pawning goods 14 Loans from Provident, Fingroup Credit or other non-banking f 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - „pe caiet") from food shops 18 Buying on credit from the electrical appliances shops 19 I dont use financial services Sysmiss What type of insurance policies do you have? - life insurance What type of insurance policies do you have? - life insurance What type of insurance policies do you have? - life insurance What type of insurance policies do you have? - life insurance What type of insurance policies do you have? - life insurance What type of insurances policies do you have? - life insurance 1362 1027 1 yes 2 no 97 not applicable 99 dont know Sysmiss What type of insurance policies do you have?- life insurance What type of insurance policies do you have?- life insurance What type of insurance policies do you have?- life insurance What type of insurance policies do you have?- life insurance What type of insurance policies do you have?- life insurance What type of insurances policies do you have?- life insurance 1361 1028 1 yes 2 no 97 not applicable 99 dont know Sysmiss What type of insurance policies do you have? - house insurance What type of insurance policies do you have? - house insurance What type of insurance policies do you have? - house insurance What type of insurance policies do you have? - house insurance What type of insurance policies do you have? - house insurance What type of insurances policies do you have? - house insurance 1360 1029 1 yes 2 no 97 not applicable 99 dont know Sysmiss What type of insurance policies do you have? - car insurance - CASCO What type of insurance policies do you have? - car insurance - CASCO What type of insurance policies do you have? - car insurance - CASCO What type of insurance policies do you have? - car insurance - CASCO What type of insurance policies do you have? - car insurance - CASCO What type of insurances policies do you have? - car insurance - CASCO 1359 1030 1 yes 2 no 97 not applicable 99 dont know Sysmiss What type of insurance policies do you have? - terrains and/ or crop insurance What type of insurance policies do you have? - terrains and/ or crop insurance What type of insurance policies do you have? - terrains and/ or crop insurance What type of insurance policies do you have? - terrains and/ or crop insurance What type of insurance policies do you have? - terrains and/ or crop insurance What type of insurances policies do you have? - terrains and/ or crop insurance 1358 1031 1 yes 2 no 97 not applicable 99 dont know Sysmiss What type of insurance policies do you have? - Other What type of insurance policies do you have? - Other What type of insurance policies do you have? - Other What type of insurance policies do you have? - Other What type of insurance policies do you have? - Other What type of insurances policies do you have? - Other 1348 1041 1 yes 2 no 97 not applicable 99 dont know Sysmiss Response to USF1_f if respondent selected other Response to USF1_f if respondent selected other Response to USF1_f if respondent selected other Response to USF1_f if respondent selected other Response to USF1_f if respondent selected other What type of insurances policies do you have? - Other (specified) 57 ASIGURARE AUTO OBLIGATORIE ASIGURARE DE MASINA ASIGURARE MASINA ASIGURARE PENSIE PRIVATA AUTO OBLIGATORIE BCR PENSIE PENSIE PRIVATA RCA Name of the bank or non-banking financial institution - loan 1 Name of the bank or non-banking financial institution - loan 1 Name of the bank or non-banking financial institution - loan 1 Name of the bank or non-banking financial institution - loan 1 Name of the bank or non-banking financial institution - loan 1 If the respondent has loans Name of the bank or non-banking financial institution 273 ALFA BANK ALPHA BANK B.C.R. BANC POST BANCA AGRICOLA? BANCA ALBINA BANCA COMERCIALA PROCREDIT BANCA COOPERATISTA BANCA RANSILVANIA BANCA ROMANA DE DEZVOLTARE BANCA ROMANEASCA BANCA TRANSILVANI BANCA TRANSILVANIA BANCPOST BANKPOST BCR BDR BELSUG BRD CAR CAR AURORA CAR PENSIONARI CAR PESIONARI CAR-INV CARP CASA DE AJUTOR RECIPROC CEC CETELEN CITI BANK CITIBANK CITY BANK COOP CREDIT COUP DE CREDIT CREDIT EUROPEAN BANK DOMO FIDES FLANCO GARANTI IND ING KAPA NU DORESTE OTP BANK PIRAEUS PIRAEUS BANK PIREUS PIREUS BANK PROCREDIT PROVIDENT RAIFAISEN BANK RAIFFAISEN RAIFFAISEN BANK RAIFFEEISEN BANC RAIFFEISEN RAIFFEISEN BANK RALPHI RBS REFUZA SA DEA NUMELE BANCII REIFEISEN RV BANK TIRIAC TRANSILVANIA UNICREDIT UNICREDIT TIRIAC BANK VOLKSBANK WOLSKBANK X Loan reimbursement period (no of months) - loan 1 Loan reimbursement period (no of months) - loan 1 Loan reimbursement period (no of months) - loan 1 Loan reimbursement period (no of months) - loan 1 Loan reimbursement period (no of months) - loan 1 If the respondent has loans Loan reimbursement period (no of months) 267 2122 1 440 63.034 62.247 Loan type - loan 1 Loan type - loan 1 Loan type - loan 1 Loan type - loan 1 Loan type - loan 1 If the respondent has loans Loan type 291 2098 1 consumer 2 mortgage Sysmiss Currency - loan 1 Currency - loan 1 Currency - loan 1 Currency - loan 1 Currency - loan 1 If the respondent has loans Currency 291 2098 1 lei 2 foreign currency Sysmiss Interest rate - loan 1 Interest rate - loan 1 Interest rate - loan 1 Interest rate - loan 1 Interest rate - loan 1 If the respondent has loans Interest rate 288 2101 1 fixed 2 variable Sysmiss Now, do you have any delays in paying your loan rates - loan 1 Now, do you have any delays in paying your loan rates - loan 1 Now, do you have any delays in paying your loan rates - loan 1 Now, do you have any delays in paying your loan rates - loan 1 Now, do you have any delays in paying your loan rates - loan 1 If the respondent has loans Now, do you have any delays in paying your loan rates? 293 2096 1 yes 2 no Sysmiss Do you face any difficulties paying the loan rates - loan 1 Do you face any difficulties paying the loan rates - loan 1 Do you face any difficulties paying the loan rates - loan 1 Do you face any difficulties paying the loan rates - loan 1 Do you face any difficulties paying the loan rates - loan 1 If the respondent has loans Do you face any difficulties paying the loan rates? 293 2096 1 yes 2 no Sysmiss Name of the bank or non-banking financial institution - loan 2 Name of the bank or non-banking financial institution - loan 2 Name of the bank or non-banking financial institution - loan 2 Name of the bank or non-banking financial institution - loan 2 Name of the bank or non-banking financial institution - loan 2 If the respondent has loans Name of the bank or non-banking financial institution 53 AC PHA BANK ACR ALPHA BANK AUTO BANC POST BANCA ROMANA BANCA TRANSILVANIA BCR BELSUG BRD CAR CEC CEC BANK CETELEM CJG COOPERATIVA DE CREDIT DOMO FINANS BANK FLANCO ING MAVEXIM NU DORESTE OTP BANK PROCREDIT BANK RAIFFAISEN RAIFFEISEN RAIFFEISEN BANK RBS TIRIAC TRANSILVANIA Loan reimbursement period (no of months) - loan 2 Loan reimbursement period (no of months) - loan 2 Loan reimbursement period (no of months) - loan 2 Loan reimbursement period (no of months) - loan 2 Loan reimbursement period (no of months) - loan 2 If the respondent has loans Loan reimbursement period (no of months) 50 2339 1 240 53.28 46.503 Loan type - loan 2 Loan type - loan 2 Loan type - loan 2 Loan type - loan 2 Loan type - loan 2 If the respondent has loans Loan type 51 2338 1 consumer 2 mortgage Sysmiss Currency - loan 2 Currency - loan 2 Currency - loan 2 Currency - loan 2 Currency - loan 2 If the respondent has loans Currency 52 2337 1 lei 2 foreign currency Sysmiss Interest rate - loan 2 Interest rate - loan 2 Interest rate - loan 2 Interest rate - loan 2 Interest rate - loan 2 If the respondent has loans Interest rate 52 2337 1 fixed 2 variable Sysmiss Now, do you have any delays in paying your loan rates - loan 2 Now, do you have any delays in paying your loan rates - loan 2 Now, do you have any delays in paying your loan rates - loan 2 Now, do you have any delays in paying your loan rates - loan 2 Now, do you have any delays in paying your loan rates - loan 2 If the respondent has loans Now, do you have any delays in paying your loan rates? 51 2338 1 yes 2 no Sysmiss Do you face any difficulties paying the loan rates - loan 2 Do you face any difficulties paying the loan rates - loan 2 Do you face any difficulties paying the loan rates - loan 2 Do you face any difficulties paying the loan rates - loan 2 Do you face any difficulties paying the loan rates - loan 2 If the respondent has loans Do you face any difficulties paying the loan rates? 51 2338 1 yes 2 no Sysmiss Name of the bank or non-banking financial institution - loan 3 Name of the bank or non-banking financial institution - loan 3 Name of the bank or non-banking financial institution - loan 3 Name of the bank or non-banking financial institution - loan 3 Name of the bank or non-banking financial institution - loan 3 If the respondent has loans Name of the bank or non-banking financial institution 9 BANCA COOP. BRD CAR CEC CEC BANK CEFELEN DOMO Loan reimbursement period (no of months) - loan 3 Loan reimbursement period (no of months) - loan 3 Loan reimbursement period (no of months) - loan 3 Loan reimbursement period (no of months) - loan 3 Loan reimbursement period (no of months) - loan 3 If the respondent has loans Loan reimbursement period (no of months) 9 2380 2 180 45.556 53.383 Loan type - loan 3 Loan type - loan 3 Loan type - loan 3 Loan type - loan 3 Loan type - loan 3 If the respondent has loans Loan type 9 2380 1 consumer 2 mortgage Sysmiss Currency - loan 3 Currency - loan 3 Currency - loan 3 Currency - loan 3 Currency - loan 3 If the respondent has loans Currency 9 2380 1 lei 2 foreign currency Sysmiss Interest rate - loan 3 Interest rate - loan 3 Interest rate - loan 3 Interest rate - loan 3 Interest rate - loan 3 If the respondent has loans Interest rate 9 2380 1 fixed 2 variable Sysmiss Now, do you have any delays in paying your loan rates - loan 3 Now, do you have any delays in paying your loan rates - loan 3 Now, do you have any delays in paying your loan rates - loan 3 Now, do you have any delays in paying your loan rates - loan 3 Now, do you have any delays in paying your loan rates - loan 3 If the respondent has loans Now, do you have any delays in paying your loan rates? 9 2380 1 yes 2 no Sysmiss Do you face any difficulties paying the loan rates - loan 3 Do you face any difficulties paying the loan rates - loan 3 Do you face any difficulties paying the loan rates - loan 3 Do you face any difficulties paying the loan rates - loan 3 Do you face any difficulties paying the loan rates - loan 3 If the respondent has loans Do you face any difficulties paying the loan rates? 9 2380 1 yes 2 no Sysmiss In last 5 years, did you buy a financial service which you regretted? In last 5 years, did you buy a financial service which you regretted? In last 5 years, did you buy a financial service which you regretted? In last 5 years, did you buy a financial service which you regretted? In last 5 years, did you buy a financial service which you regretted? Did you happen to buy a financial service during the last five years which you were sorry about later as the service did not meet your needs? 1999 390 1 yes 2 no 7 Does not use any FS 9 dont know Sysmiss Service - A consumer loan Service - A consumer loan Service - A consumer loan Service - A consumer loan Service - A consumer loan If Yes (code 1 at USF8) What kind of service was it? A consumer loan Multiple response 2026 363 no 1 yes Sysmiss Service - A mortgage loan Service - A mortgage loan Service - A mortgage loan Service - A mortgage loan Service - A mortgage loan If Yes (code 1 at USF8) What kind of service was it? A mortgage loan Multiple response 2026 363 no 1 yes Sysmiss Service - A current account Service - A current account Service - A current account Service - A current account Service - A current account If Yes (code 1 at USF8) What kind of service was it? A current account Multiple response 2026 363 no 1 yes Sysmiss Service - A Bank deposit Service - A Bank deposit Service - A Bank deposit Service - A Bank deposit Service - A Bank deposit If Yes (code 1 at USF8) What kind of service was it? A Bank deposit Multiple response 2026 363 no 1 yes Sysmiss Service - A Bank debit card Service - A Bank debit card Service - A Bank debit card Service - A Bank debit card Service - A Bank debit card If Yes (code 1 at USF8) What kind of service was it? A Bank debit card Multiple response 2026 363 no 1 yes Sysmiss Service - A Bank credit card Service - A Bank credit card Service - A Bank credit card Service - A Bank credit card Service - A Bank credit card If Yes (code 1 at USF8) What kind of service was it? A Bank credit card Multiple response 2026 363 no 1 yes Sysmiss Service - An insurance policy Service - An insurance policy Service - An insurance policy Service - An insurance policy Service - An insurance policy If Yes (code 1 at USF8) What kind of service was it? An insurance policy Multiple response 2026 363 no 1 yes Sysmiss Service - Private pensions Service - Private pensions Service - Private pensions Service - Private pensions Service - Private pensions If Yes (code 1 at USF8) What kind of service was it? - Private pensions Multiple response 2026 363 no 1 yes Sysmiss Service - Investment in shares Service - Investment in shares Service - Investment in shares Service - Investment in shares Service - Investment in shares If Yes (code 1 at USF8) What kind of service was it? - Investment in shares Multiple response 2026 363 no 1 yes Sysmiss Service - Investment funds Service - Investment funds Service - Investment funds Service - Investment funds Service - Investment funds If Yes (code 1 at USF8) What kind of service was it? - Investment funds Multiple response 2026 363 no 1 yes Sysmiss Service - Loans from Mutual Help Associations Service - Loans from Mutual Help Associations Service - Loans from Mutual Help Associations Service - Loans from Mutual Help Associations Service - Loans from Mutual Help Associations If Yes (code 1 at USF8) What kind of service was it? - Loans from Mutual Help Associations Multiple response 2026 363 no 1 yes Sysmiss Service - A car/terrain loan Service - A car/terrain loan Service - A car/terrain loan Service - A car/terrain loan Service - A car/terrain loan If Yes (code 1 at USF8) What kind of service was it? - A car/terrain loan Multiple response 2026 363 no 1 yes Sysmiss Service - Pawning goods Service - Pawning goods Service - Pawning goods Service - Pawning goods Service - Pawning goods If Yes (code 1 at USF8) What kind of service was it? - Pawning goods Multiple response 2026 363 no 1 yes Sysmiss Service - Loans from non-banking financial institutions Service - Loans from non-banking financial institutions Service - Loans from non-banking financial institutions Service - Loans from non-banking financial institutions Service - Loans from non-banking financial institutions If Yes (code 1 at USF8) What kind of service was it? - Loans from non-banking financial institutions Multiple response 2026 363 no 1 yes Sysmiss Service - Loans from usurers Service - Loans from usurers Service - Loans from usurers Service - Loans from usurers Service - Loans from usurers If Yes (code 1 at USF8) What kind of service was it? - Loans from usurers Multiple response 2026 363 no 1 yes Sysmiss Service - Loans from relatives/friends Service - Loans from relatives/friends Service - Loans from relatives/friends Service - Loans from relatives/friends Service - Loans from relatives/friends If Yes (code 1 at USF8) What kind of service was it? - Loans from relatives/friends Multiple response 2026 363 no 1 yes Sysmiss Service - Buying on credit (pe caiet) from food shops Service - Buying on credit (pe caiet) from food shops Service - Buying on credit (pe caiet) from food shops Service - Buying on credit (pe caiet) from food shops Service - Buying on credit (pe caiet) from food shops If Yes (code 1 at USF8) What kind of service was it? - Buying on credit (pe caiet) from food shops Multiple response 2026 363 no 1 yes Sysmiss Service - Buying on credit from electrical applicance shops Service - Buying on credit from electrical applicance shops Service - Buying on credit from electrical applicance shops Service - Buying on credit from electrical applicance shops Service - Buying on credit from electrical applicance shops If Yes (code 1 at USF8) What kind of service was it? - Buying on credit from electrical applicance shops Multiple response 2026 363 no 1 yes Sysmiss When found problem, did nothing When found problem, did nothing When found problem, did nothing When found problem, did nothing When found problem, did nothing What did you do after you discovered the problem? Nothing Multiple response 2026 363 no 1 yes Sysmiss When found problem, stopped using service before contract expired When found problem, stopped using service before contract expired When found problem, stopped using service before contract expired When found problem, stopped using service before contract expired When found problem, stopped using service before contract expired What did you do after you discovered the problem? I stopped using the service before the contract expired (closed the deposit, account, sold the unit shares, canceled the insurance contract, etc.) Multiple response 2026 363 no 1 yes Sysmiss When found problem, submitted a greivance to the company When found problem, submitted a greivance to the company When found problem, submitted a greivance to the company When found problem, submitted a greivance to the company When found problem, submitted a greivance to the company What did you do after you discovered the problem? I submitted a grievance to the company which sold me the product Multiple response 2026 363 no 1 yes Sysmiss When found problem, submitted claim to appropriate govt. authority When found problem, submitted claim to appropriate govt. authority When found problem, submitted claim to appropriate govt. authority When found problem, submitted claim to appropriate govt. authority When found problem, submitted claim to appropriate govt. authority What did you do after you discovered the problem? I submitted a claim to the appropriate government authority Multiple response 2026 363 no 1 yes Sysmiss When found problem, did other actions When found problem, did other actions When found problem, did other actions When found problem, did other actions When found problem, did other actions What did you do after you discovered the problem? Other Multiple response 2026 363 no 1 yes Sysmiss Response to USF8B_5 if respondent selected other Response to USF8B_5 if respondent selected other Response to USF8B_5 if respondent selected other Response to USF8B_5 if respondent selected other Response to USF8B_5 if respondent selected other What did you do after you discovered the problem? Other (specified) Multiple response 6 AM ACHITAT SI RETRAS AM TERMINAT RATELE SI M-AM RETRAS CAND TERMIN RATELE RENUNT LA CARD INCERC SA REZOLV PROBLEMA INCHIS DEPOZIT LA EXPIRAREA CONTRACTULUI LA EXPIRAREA TERMENULUI AM LICHIDAT SI TIN BANII IN CASA When found problem, don't know/don't remember what I did When found problem, don't know/don't remember what I did When found problem, don't know/don't remember what I did When found problem, don't know/don't remember what I did When found problem, don't know/don't remember what I did What did you do after you discovered the problem? Don't know, Don't remember Multiple response 2026 363 no 1 yes Sysmiss Description that best matched your household's income nowadays Description that best matched your household's income nowadays Description that best matched your household's income nowadays Description that best matched your household's income nowadays Description that best matched your household's income nowadays Which of the descriptions comes closest to your household's income nowadays? 2026 363 1 We hardly make the ends meet 2 We have enough money to buy food, not clothes 3 We have enough money to buy food and clothes 4 We have no trouble buying durable goods, not expensive thing 5 We can afford quite expensive things 9 dont know Sysmiss Do you (your family) have - Car Do you (your family) have - Car Do you (your family) have - Car Do you (your family) have - Car Do you (your family) have - Car Does your household have a car? 2007 382 1 yes 2 no Sysmiss Do you (your family) have - Landline telephone Do you (your family) have - Landline telephone Do you (your family) have - Landline telephone Do you (your family) have - Landline telephone Do you (your family) have - Landline telephone Does your household have a landline phone? 2008 381 1 yes 2 no Sysmiss Do you (your family) have - Computer (PC) Do you (your family) have - Computer (PC) Do you (your family) have - Computer (PC) Do you (your family) have - Computer (PC) Do you (your family) have - Computer (PC) Does your household have a ccomputer (PC)? 2011 378 1 yes 2 no Sysmiss Do you (your family) have - Access to Internet Do you (your family) have - Access to Internet Do you (your family) have - Access to Internet Do you (your family) have - Access to Internet Do you (your family) have - Access to Internet Does your household have access to Internetr? 2010 379 1 yes 2 no Sysmiss The dwelling is … The dwelling is … The dwelling is … The dwelling is … The dwelling is … The dwelling is ... 1958 431 1 in a central area of the village/town/city 2 in a peripheral area of the village/town/city 3 in other area of the village/town/city Sysmiss The dwelling is … The dwelling is … The dwelling is … The dwelling is … The dwelling is … The dwelling is ... 1874 515 1 in a good area 2 in a poor area 3 in a bad-famed area 4 in a rather good area Sysmiss After 2000 - Did you travel abroad? After 2000 - Did you travel abroad? After 2000 - Did you travel abroad? After 2000 - Did you travel abroad? After 2000 - Did you travel abroad? After 2000, did you travel abroad? 2009 380 1 yes 2 no Sysmiss After 2000 - Did you work abroad? After 2000 - Did you work abroad? After 2000 - Did you work abroad? After 2000 - Did you work abroad? After 2000 - Did you work abroad? After 2000, did you work abroad? 2003 386 1 yes 2 no Sysmiss After 2000 - Did anyone else from your household work abroad? After 2000 - Did anyone else from your household work abroad? After 2000 - Did anyone else from your household work abroad? After 2000 - Did anyone else from your household work abroad? After 2000 - Did anyone else from your household work abroad? After 2000, did anyone else from your household work abroad? 2002 387 1 yes 2 no Sysmiss After graduating did you take any other courses for specialization/requalificati After graduating did you take any other courses for specialization/requalificati After graduating did you take any other courses for specialization/requalificati After graduating did you take any other courses for specialization/requalificati After graduating did you take any other courses for specialization/requalificati After graduating did you take any other courses for specialization / requalification? 2018 371 1 yes 2 no 7 Not applicabile/ in school Sysmiss Other language speak well - Romanian Other language speak well - Romanian Other language speak well - Romanian Other language speak well - Romanian Other language speak well - Romanian Beside your mother language, what other languages do you speak well enough to take part in a conversation? - Romanian Multiple response 2026 363 no 1 yes Sysmiss Other language speak well- Hungarian Other language speak well- Hungarian Other language speak well- Hungarian Other language speak well- Hungarian Other language speak well- Hungarian Beside your mother language, what other languages do you speak well enough to take part in a conversation? - Hungarian Multiple response 2026 363 no 1 yes Sysmiss Other language speak well - Romani Other language speak well - Romani Other language speak well - Romani Other language speak well - Romani Other language speak well - Romani Beside your mother language, what other languages do you speak well enough to take part in a conversation? Romani Multiple response 2026 363 no 1 yes Sysmiss Other language speak well - German Other language speak well - German Other language speak well - German Other language speak well - German Other language speak well - German Beside your mother language, what other languages do you speak well enough to take part in a conversation? - German Multiple response 2026 363 no 1 yes Sysmiss Other language speak well - English Other language speak well - English Other language speak well - English Other language speak well - English Other language speak well - English Beside your mother language, what other languages do you speak well enough to take part in a conversation? - English Multiple response 2026 363 no 1 yes Sysmiss Other language speak well - French Other language speak well - French Other language speak well - French Other language speak well - French Other language speak well - French Beside your mother language, what other languages do you speak well enough to take part in a conversation? - French Multiple response 2026 363 no 1 yes Sysmiss Other language speak well - Russian Other language speak well - Russian Other language speak well - Russian Other language speak well - Russian Other language speak well - Russian Beside your mother language, what other languages do you speak well enough to take part in a conversation? - Russian Multiple response 2026 363 no 1 yes Sysmiss Other language speak well - Spanish Other language speak well - Spanish Other language speak well - Spanish Other language speak well - Spanish Other language speak well - Spanish Beside your mother language, what other languages do you speak well enough to take part in a conversation? - Spanish Multiple response 2026 363 no 1 yes Sysmiss Other language speak well - Italian Other language speak well - Italian Other language speak well - Italian Other language speak well - Italian Other language speak well - Italian Beside your mother language, what other languages do you speak well enough to take part in a conversation? - Italian Multiple response 2026 363 no 1 yes Sysmiss Other language speak well - Other Other language speak well - Other Other language speak well - Other Other language speak well - Other Other language speak well - Other Beside your mother language, what other languages do you speak well enough to take part in a conversation? - Other Multiple response 2026 363 no 1 yes Sysmiss Response to D3_10 if respondent selected other Response to D3_10 if respondent selected other Response to D3_10 if respondent selected other Response to D3_10 if respondent selected other Response to D3_10 if respondent selected other Beside your mother language, what other languages do you speak well enough to take part in a conversation? - Other(specified) Multiple response 17 BULGARA BULGARA#SARBA EBRAICA OLANDEZA PORTUGHEZA SARBA SLAVA SLOVACA TURCA Verification telephone number Verification telephone number Verification telephone number Verification telephone number Verification telephone number IEM could check the way I did the interview. Would you agree to give your phone number where IEM could make the verification? 749 1640 284004 9760324243 587278922.441 491769811.077 Hour ending interview Hour ending interview Hour ending interview Hour ending interview Hour ending interview Interview end time 2026 363 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 Sysmiss Minute ending interview Minute ending interview Minute ending interview Minute ending interview Minute ending interview Interview end time 2026 363 58 25.887 17.812 Questionnaire ID Questionnaire ID Questionnaire ID Questionnaire ID Questionnaire ID 5365 1 2391 1192.159 688.244 Code for individual Code for individual Code for individual Code for individual Code for individual 5365 1 2 3 4 5 6 7 8 9 10 11 12 13 Gender Gender Gender Gender Gender Sex 5365 1 male 2 female Age Age Age Age Age Age 5365 97 41.206 21.143 Nationality Nationality Nationality Nationality Nationality Nationality 5365 1 Romanian 2 Hungarian 3 Roma 4 German 5 Other Highest level of education Highest level of education Highest level of education Highest level of education Highest level of education Highest level of education 5365 1 no school 2 primary (1- 4 classes) 3 secondary (5-8 classes) 4 vocational, apprentice or complementary 5 first level of high school (9-10 classes) 6 high school (9-12 classes) 7 post-secondary, technical school 8 college degree 9 university (including Master degree) 10 doctoral studies Main occupational status in the present Main occupational status in the present Main occupational status in the present Main occupational status in the present Main occupational status in the present Main occupational status in the present 5365 1 employee 2 other status of employed persons (daily worker, black market 3 business owner 4 self-employed person in non-agricultural activities (include 5 self-employed person in agricultural activities 6 family helper 7 registered as unemployed 8 unregistered unemployed 9 retired – due to age 10 retired-other causes 11 pupil, student 12 housewife 13 person unable to work 14 another status of non working person Main occupation Main occupation Main occupation Main occupation Main occupation Main occupation 2078 3287 1 2 3 4 5 6 7 8 9 10 11 12 Sysmiss Main source of income Main source of income Main source of income Main source of income Main source of income Main source of income 4408 957 1 3 4 5 6 7 8 9 10 11 12 13 14 16 17 Sysmiss Financial service 1 Financial service 1 Financial service 1 Financial service 1 Financial service 1 Financial service 3858 1507 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car/ terrain loans 13 Pawning goods 14 Loans from Provident, Fingroup Credit or other non-banking f 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - „pe caiet”) from food shops 18 Buying on credit from the electrical appliances shops 19 I dont use financial services Sysmiss Financial service 2 Financial service 2 Financial service 2 Financial service 2 Financial service 2 Financial service 679 4686 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car/ terrain loans 13 Pawning goods 14 Loans from Provident, Fingroup Credit or other non-banking f 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - „pe caiet”) from food shops 18 Buying on credit from the electrical appliances shops 19 I dont use financial services Sysmiss Financial service 3 Financial service 3 Financial service 3 Financial service 3 Financial service 3 Financial service 263 5102 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car/ terrain loans 13 Pawning goods 14 Loans from Provident, Fingroup Credit or other non-banking f 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - „pe caiet”) from food shops 18 Buying on credit from the electrical appliances shops 19 I dont use financial services Sysmiss Financial service 4 Financial service 4 Financial service 4 Financial service 4 Financial service 4 Financial service 96 5269 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car/ terrain loans 13 Pawning goods 14 Loans from Provident, Fingroup Credit or other non-banking f 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - „pe caiet”) from food shops 18 Buying on credit from the electrical appliances shops 19 I dont use financial services Sysmiss Financial service 5 Financial service 5 Financial service 5 Financial service 5 Financial service 5 Financial service 34 5331 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car/ terrain loans 13 Pawning goods 14 Loans from Provident, Fingroup Credit or other non-banking f 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - „pe caiet”) from food shops 18 Buying on credit from the electrical appliances shops 19 I dont use financial services Sysmiss Financial service 6 Financial service 6 Financial service 6 Financial service 6 Financial service 6 Financial service 16 5349 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car/ terrain loans 13 Pawning goods 14 Loans from Provident, Fingroup Credit or other non-banking f 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - „pe caiet”) from food shops 18 Buying on credit from the electrical appliances shops 19 I dont use financial services Sysmiss