DDI_RUS_2008_FLDS_v01_M_WB 2012-04-30 NADA Financial Literacy Diagnostic Surveys 2008 and 2009 (Panel) FLDS 2008-09 RUS_2008_FLDS_v01_M National Agency for Financial Studies (NAFS) NADA World Bank Other Household Health Survey [hh/hea] The Russia Financial Literacy diagnostic survey was undertaken as part of the preparation for the World Bank supported Russia Financial literacy and Financial education program in 2008. The survey was conducted by the National Agency for Financial Studies (NAFS) in 2008 by request of the World Bank. The national representative survey was aimed to provide information on the initial level of financial literacy (i.e. financial planning and managing debt, attitudes to/understanding of personal responsibilities and consumer rights in the area of financial services, knowledge of financial products/services, etc.). The survey asked basic questions on features of financial behavior, attitudes to and demand for financial education of the Russian population. Russian Federation National Household, Individual Sample survey data [ssd] Face-to-face [f2f] World_Bank_Russia_Panel_FinLit_survey 1. Both waves of the Russian financial literacy survey (2008 and 2009) have been merged into a single dataset. 2. Balanced panels are identified by the variable Panel_ID, whereas Year represents the time variable. 3. The variables (Q1), (Q39), (Q50) and (Q108) which are associated with Question 1, 39, 50 and 108 were not delivered in the dataset. 4. For questions with an "other" response category (e.g. Q102, Q109 etc.) the information was specified and captured in an additional variable (e.g Q102_oth, Q109_oth, etc.). Though, this information has not been translated into English and properly entered into the data set afterwards. 5. For multiple choice questions, each selection made by the individual is saved as a unique variable. For instance, question 102 allowed for multiple choices and if a person selected 3 of the given options, each of his choice will be a saved as Q102_1, Q102_2 and Q102_3 respectively. For the same question, if another person selected only two items, his choices will be saved under Q102_1 and Q102_2 while the third variable Q102_3 will indicate a missing value (.). If the respondent answered the multiple response question with "Don't know", then only the first variable Q102_1 will be accordingly coded (99). All the other multiple responses variables will be coded as a missing value (.) for this respondent. 2966 177 Year of Survey Year of Survey Year of Survey Year of Survey Year of Survey 2966 2008 2009 Respondent ID (unbalanced) Respondent ID (unbalanced) Respondent ID (unbalanced) Respondent ID (unbalanced) Respondent ID (unbalanced) 2966 1 1600 789.769 466.334 Balanced panel ID Balanced panel ID Balanced panel ID Balanced panel ID Balanced panel ID 2152 814 1 1599 764.493 460.689 Federal Region Federal Region Federal Region Federal Region Federal Region 2966 1 Central Federal District 2 North-Western Federsl District 3 Southern Federal District 4 Volga Federal District 5 Urals Federal District 6 Siberian Federal District 7 Far-Eastern Federal district Subregion Code Subregion Code Subregion Code Subregion Code Subregion Code 2966 1 99 46.679 27.799 Location Location Location Location Location 2966 1 153 77.391 42.855 Min. Residency Min. Residency Min. Residency Min. Residency Min. Residency 1600 1366 3510 6973 4471.91 850.692 Size of Settlement Size of Settlement Size of Settlement Size of Settlement Size of Settlement 2966 1 Moscow and St. Petersburg 2 Over 1mil 3 500K-1mil 4 100-500K 5 50-100K 6 Under 50K 7 Small town 8 Village Financial situation of your family Financial situation of your family Financial situation of your family Financial situation of your family Financial situation of your family 1600 1366 1 Very good 2 Good 3 Satisfactory 4 Bad 5 Very bad 99 Don't know 999 No answer Sysmiss Family had any unspent income during the past year Family had any unspent income during the past year Family had any unspent income during the past year Family had any unspent income during the past year Family had any unspent income during the past year How often during the last year you (your family) had any money unspent from previous earnings before the next moment for new revenues arrived (wages, pension, scholarship, benefit)? Interviewer: the last year is understood here as the period between June 2008 and June 2009 including. If Never --> MOVE TO QUESTION 4 2966 1 Always 2 Very often 3 Sometimes 4 Very rarely 5 Never 99 Don't know 999 No answer What did family usually do with unspent income What did family usually do with unspent income What did family usually do with unspent income What did family usually do with unspent income What did family usually do with unspent income If you (your family) have/has any money left right before the next revenue arrives, what would you usually do with it? Card #2 Not more than 4 choices. 996 1970 1 We spend it on consumer goods 2 We keep it in cash 3 We deposit it or do not withdraw it from the account 4 We invest it in the capital market 5 We loan it to friends or relatives 6 We invest it in our own business 7 We invest it in gold and jewelry 8 Other 99 Don't know 999 No answer Sysmiss What did family usually do with unspent income What did family usually do with unspent income What did family usually do with unspent income What did family usually do with unspent income What did family usually do with unspent income If you (your family) have/has any money left right before the next revenue arrives, what would you usually do with it? Card #2 Not more than 4 choices. 238 2728 1 We spend it on consumer goods 2 We keep it in cash 3 We deposit it or do not withdraw it from the account 4 We invest it in the capital market 5 We loan it to friends or relatives 6 We invest it in our own business 7 We invest it in gold and jewelry 8 Other 99 Don't know 999 No answer Sysmiss What did family usually do with unspent income What did family usually do with unspent income What did family usually do with unspent income What did family usually do with unspent income What did family usually do with unspent income If you (your family) have/has any money left right before the next revenue arrives, what would you usually do with it? Card #2 Not more than 4 choices. 58 2908 1 We spend it on consumer goods 2 We keep it in cash 3 We deposit it or do not withdraw it from the account 4 We invest it in the capital market 5 We loan it to friends or relatives 6 We invest it in our own business 7 We invest it in gold and jewelry 8 Other 99 Don't know 999 No answer Sysmiss What did family usually do with unspent income What did family usually do with unspent income What did family usually do with unspent income What did family usually do with unspent income What did family usually do with unspent income If you (your family) have/has any money left right before the next revenue arrives, what would you usually do with it? Card #2 Not more than 4 choices. 24 2942 1 We spend it on consumer goods 2 We keep it in cash 3 We deposit it or do not withdraw it from the account 4 We invest it in the capital market 5 We loan it to friends or relatives 6 We invest it in our own business 7 We invest it in gold and jewelry 8 Other 99 Don't know 999 No answer Sysmiss What did family usually do with unspent income What did family usually do with unspent income What did family usually do with unspent income What did family usually do with unspent income What did family usually do with unspent income If you (your family) have/has any money left right before the next revenue arrives, what would you usually do with it? Card #2 24 â îáðàçîâàíèå â ñåìüþ âêëàäûâàåì â äà÷ó äåíã íå îñòàåòñÿ äåòÿì ïîìîãàþ äëÿ ðàçâåäåíèÿ è ñîäåðæàíèÿ êóð íà ÷åðíûé äåíü íå îñòàåòñÿ îñòàâëÿþ íà íàëîãè îòäàåì äåòÿì îòäàëè äîëãè îòäàþ äåòÿì îòäàþ äî÷êå îòêëàäûâàòü íà ïîêóïêó íîâîé ìåáåëè ïîêóïàåì áîëüøèå âåùè ïîìîãàþ ðîäèòåëÿì ðåìîíò ðåìîíòèðóåì äîì ñâîèì îòäàì ñòðîèòåëüñòâî äà÷è òðàòèì íà ñòðîèòåëüñòâî æèëüÿ òðà÷ó íà ëå÷åíèå ó ìåíÿ íåò äåíåã How often did your family run out of money during the last year How often did your family run out of money during the last year How often did your family run out of money during the last year How often did your family run out of money during the last year How often did your family run out of money during the last year How often during the last year did you (your family) run out of money from previous earnings before the new money arrived (wages, pension, scholarship, benefit, etc.)? Interviewer: IF QUESTION 2 = 1 THEN MOVE TO QUESTION 5 If Never --> MOVE TO QUESTION 6 2650 316 1 Always 2 Very often 3 Sometimes 4 Very rarely 5 Never 99 Don't know 999 No answer Sysmiss What did family usually do whet it ran out of money What did family usually do whet it ran out of money What did family usually do whet it ran out of money What did family usually do whet it ran out of money What did family usually do whet it ran out of money What do you usually do when you (your family) run(s) out of money before the next income arrives? Card #3 Any number of choices. 1255 1711 1 We cut down expenses and save 2 We borrow money from relatives, friends and acquaintances 3 We spend our savings 4 We use a credit card 5 We sell our securities/shares 6 We borrow cash on bank credit 7 Our friends and relatives give us money free of charge 8 We work extra hours or do additional jobs 9 We withdraw a required amount from our business 10 Other 99 Don't know 999 No answer Sysmiss What did family usually do whet it ran out of money What did family usually do whet it ran out of money What did family usually do whet it ran out of money What did family usually do whet it ran out of money What did family usually do whet it ran out of money What do you usually do when you (your family) run(s) out of money before the next income arrives? Card #3 Any number of choices. 488 2478 1 We cut down expenses and save 2 We borrow money from relatives, friends and acquaintances 3 We spend our savings 4 We use a credit card 5 We sell our securities/shares 6 We borrow cash on bank credit 7 Our friends and relatives give us money free of charge 8 We work extra hours or do additional jobs 9 We withdraw a required amount from our business 10 Other 99 Don't know 999 No answer Sysmiss What did family usually do whet it ran out of money What did family usually do whet it ran out of money What did family usually do whet it ran out of money What did family usually do whet it ran out of money What did family usually do whet it ran out of money What do you usually do when you (your family) run(s) out of money before the next income arrives? Card #3 Any number of choices. 106 2860 1 We cut down expenses and save 2 We borrow money from relatives, friends and acquaintances 3 We spend our savings 4 We use a credit card 5 We sell our securities/shares 6 We borrow cash on bank credit 7 Our friends and relatives give us money free of charge 8 We work extra hours or do additional jobs 9 We withdraw a required amount from our business 10 Other 99 Don't know 999 No answer Sysmiss What did family usually do whet it ran out of money What did family usually do whet it ran out of money What did family usually do whet it ran out of money What did family usually do whet it ran out of money What did family usually do whet it ran out of money What do you usually do when you (your family) run(s) out of money before the next income arrives? Card #3 Any number of choices. 14 2952 1 We cut down expenses and save 2 We borrow money from relatives, friends and acquaintances 3 We spend our savings 4 We use a credit card 5 We sell our securities/shares 6 We borrow cash on bank credit 7 Our friends and relatives give us money free of charge 8 We work extra hours or do additional jobs 9 We withdraw a required amount from our business 10 Other 99 Don't know 999 No answer Sysmiss What did family usually do whet it ran out of money What did family usually do whet it ran out of money What did family usually do whet it ran out of money What did family usually do whet it ran out of money What did family usually do whet it ran out of money What do you usually do when you (your family) run(s) out of money before the next income arrives? Card #3 Any number of choices. 13 Ñíèìàåì äåíüãè ñî ñ÷åòà áåðó â ìàãàçèíå ïðîäóêòû â äîëã âîäà è õëåá äåòè ìíå âñå ïîêóïàþò, íå çíàþ êàê îíè ýêîíîìÿò äóìàþ, ãäå èõ äîñòàòü è äîñòàþ æäó ñëåäóþùóó çàðïëàòó çàíèìàåìñÿ ïðèóñàäåáíûì õîçÿéñòâîì íè÷åãî ïîäðàáîòêà ïðîäàæà ïðîäóêòîâ ñ/õ ïðîäàæà ïðîäóêöèè ñâîåãî õîçÿéñòâà òàê îáõîäèìñÿ Did family experience an unexpected significant reduction in income Did family experience an unexpected significant reduction in income Did family experience an unexpected significant reduction in income Did family experience an unexpected significant reduction in income Did family experience an unexpected significant reduction in income Did you (your family) experience an unexpected significant reduction of your income over the last three years, and if so, then what was the reason? Card # 4 Any number of choices. If No --> MOVE TO QUESTION 8 1600 1366 1 No, over the last three years I (my family) had not experienced any unexpected significant reduction of income 2 Yes, due to the loss of a job because of an accident, deterioration of health, disability of a breadwinner 3 Yes, due to the loss of a job by a breadwinner because of staff reduction, dismissal from work, etc. 4 Yes, due to the considerable reduction of salary, or delays with salary payment 5 Yes, due to the drop in income resulting from breakup, separation or divorce 6 Yes, due to the reduction of investment income 7 Yes, due to retirement of the main breadwinner 8 Yes, due to another reason 99 Don't know 999 No answer Sysmiss Did family experience an unexpected significant reduction in income Did family experience an unexpected significant reduction in income Did family experience an unexpected significant reduction in income Did family experience an unexpected significant reduction in income Did family experience an unexpected significant reduction in income Did you (your family) experience an unexpected significant reduction of your income over the last three years, and if so, then what was the reason? Card # 4 Any number of choices. If No --> MOVE TO QUESTION 8 56 2910 1 No, over the last three years I (my family) had not experienced any unexpected significant reduction of income 2 Yes, due to the loss of a job because of an accident, deterioration of health, disability of a breadwinner 3 Yes, due to the loss of a job by a breadwinner because of staff reduction, dismissal from work, etc. 4 Yes, due to the considerable reduction of salary, or delays with salary payment 5 Yes, due to the drop in income resulting from breakup, separation or divorce 6 Yes, due to the reduction of investment income 7 Yes, due to retirement of the main breadwinner 8 Yes, due to another reason 99 Don't know 999 No answer Sysmiss Did family experience an unexpected significant reduction in income Did family experience an unexpected significant reduction in income Did family experience an unexpected significant reduction in income Did family experience an unexpected significant reduction in income Did family experience an unexpected significant reduction in income Did you (your family) experience an unexpected significant reduction of your income over the last three years, and if so, then what was the reason? Card # 4 Any number of choices. If No --> MOVE TO QUESTION 8 6 2960 1 No, over the last three years I (my family) had not experienced any unexpected significant reduction of income 2 Yes, due to the loss of a job because of an accident, deterioration of health, disability of a breadwinner 3 Yes, due to the loss of a job by a breadwinner because of staff reduction, dismissal from work, etc. 4 Yes, due to the considerable reduction of salary, or delays with salary payment 5 Yes, due to the drop in income resulting from breakup, separation or divorce 6 Yes, due to the reduction of investment income 7 Yes, due to retirement of the main breadwinner 8 Yes, due to another reason 99 Don't know 999 No answer Sysmiss Did family experience an unexpected significant reduction in income Did family experience an unexpected significant reduction in income Did family experience an unexpected significant reduction in income Did family experience an unexpected significant reduction in income Did family experience an unexpected significant reduction in income Did you (your family) experience an unexpected significant reduction of your income over the last three years, and if so, then what was the reason? Card # 4 Any number of choices. If No --> MOVE TO QUESTION 8 2966 1 No, over the last three years I (my family) had not experienced any unexpected significant reduction of income 2 Yes, due to the loss of a job because of an accident, deterioration of health, disability of a breadwinner 3 Yes, due to the loss of a job by a breadwinner because of staff reduction, dismissal from work, etc. 4 Yes, due to the considerable reduction of salary, or delays with salary payment 5 Yes, due to the drop in income resulting from breakup, separation or divorce 6 Yes, due to the reduction of investment income 7 Yes, due to retirement of the main breadwinner 8 Yes, due to another reason 99 Don't know 999 No answer Sysmiss Did family experience an unexpected significant reduction in income Did family experience an unexpected significant reduction in income Did family experience an unexpected significant reduction in income Did family experience an unexpected significant reduction in income Did family experience an unexpected significant reduction in income Did you (your family) experience an unexpected significant reduction of your income over the last three years, and if so, then what was the reason? Card # 4 Any number of choices. If No --> MOVE TO QUESTION 8 2966 1 No, over the last three years I (my family) had not experienced any unexpected significant reduction of income 2 Yes, due to the loss of a job because of an accident, deterioration of health, disability of a breadwinner 3 Yes, due to the loss of a job by a breadwinner because of staff reduction, dismissal from work, etc. 4 Yes, due to the considerable reduction of salary, or delays with salary payment 5 Yes, due to the drop in income resulting from breakup, separation or divorce 6 Yes, due to the reduction of investment income 7 Yes, due to retirement of the main breadwinner 8 Yes, due to another reason 99 Don't know 999 No answer Sysmiss Did family experience an unexpected significant reduction in income Did family experience an unexpected significant reduction in income Did family experience an unexpected significant reduction in income Did family experience an unexpected significant reduction in income Did family experience an unexpected significant reduction in income Did you (your family) experience an unexpected significant reduction of your income over the last three years, and if so, then what was the reason? Card # 4 Any number of choices. If No --> MOVE TO QUESTION 8 2966 1 No, over the last three years I (my family) had not experienced any unexpected significant reduction of income 2 Yes, due to the loss of a job because of an accident, deterioration of health, disability of a breadwinner 3 Yes, due to the loss of a job by a breadwinner because of staff reduction, dismissal from work, etc. 4 Yes, due to the considerable reduction of salary, or delays with salary payment 5 Yes, due to the drop in income resulting from breakup, separation or divorce 6 Yes, due to the reduction of investment income 7 Yes, due to retirement of the main breadwinner 8 Yes, due to another reason 99 Don't know 999 No answer Sysmiss Did family experience an unexpected significant reduction in income Did family experience an unexpected significant reduction in income Did family experience an unexpected significant reduction in income Did family experience an unexpected significant reduction in income Did family experience an unexpected significant reduction in income Did you (your family) experience an unexpected significant reduction of your income over the last three years, and if so, then what was the reason? Card # 4 Any number of choices. If No --> MOVE TO QUESTION 8 2966 1 No, over the last three years I (my family) had not experienced any unexpected significant reduction of income 2 Yes, due to the loss of a job because of an accident, deterioration of health, disability of a breadwinner 3 Yes, due to the loss of a job by a breadwinner because of staff reduction, dismissal from work, etc. 4 Yes, due to the considerable reduction of salary, or delays with salary payment 5 Yes, due to the drop in income resulting from breakup, separation or divorce 6 Yes, due to the reduction of investment income 7 Yes, due to retirement of the main breadwinner 8 Yes, due to another reason 99 Don't know 999 No answer Sysmiss Did family experience an unexpected significant reduction in income Did family experience an unexpected significant reduction in income Did family experience an unexpected significant reduction in income Did family experience an unexpected significant reduction in income Did family experience an unexpected significant reduction in income Did you (your family) experience an unexpected significant reduction of your income over the last three years, and if so, then what was the reason? Card # 4 Any number of choices. If No --> MOVE TO QUESTION 8 178 ÈÇ-ÇÀ ÍÈÇÊÈÕ ÄÎÕÎÄΠÈÇ-ÇÀ ÐÎÑÒÀ ÖÅÍ Èç-çà âûõîäà íà ïåíñèþ Èç-çà ïîâûøåíèÿ öåí Èç-çà ó÷åáû Íèçêàÿ ïåíñèÿ,âñå äîðîãî áîëüøèå ðàñõîäû â äåêàáðå â äåêðåòå â îòïóñêå ïî óõîäó çà ðåáåíêîì â ñâÿçè ñ âûõîäîì íà ïåíñèþ â ñâÿçè ñî ñòðîèòåëüñòâîì âçÿëè êðåäèòû âçÿëè ññóäó âíó÷êà â èíñòèòóò ïîñòóïàëà - êðåäèò ïðèøëîñü âçÿòü ìíå âîñïèòûâàþ îäíà 4õ äåòåé âûñîêàÿ èíôëÿöèÿ âûñîêèå öåíû âûõîä íà ïåíñèþ âûõîä íà ïåíñèþ ñóïðóãè äåäóøêà óìåð äåêðåò äåêðåòíûé îòïóñê äîðîãàÿ ïîêóïêà äîðîãèå ïðîäóêòû äî÷ü 30 ëåò ñòàëà èíâàëèäîì æåíà íà ïåíñèè æåíà ñèëüíî áîëååò, à ëåêàðñòâà äîðîãèå çàíÿëè íà êâàðòèðó çàïëàòèëè çà ó÷åáó ñûíà èç - çà îòìåíû ëüãîò íà ëåêàðñòâà èç-çà áîëåçíè áëèçêîãî ÷åëîâåêà èç-çà âûõîäà íà ïåíñèþ èç-çà âûõîäà íà ïåíñèþçà ðîñòà èíôëÿöèè èç-çà äåêðåòíîãî îòïóñêà èç-çà èíôëÿöèè èç-çà ïîâûøåí öåí íàïðîäóêòû èç-çà ïîâûøåíèÿ öåí èç-çà ðîñòà öåí èíôåêöèÿ, ïîâûøåíèå öåí íà ïðîäóêòû ïèòàíèÿ èíôëÿöèÿ èíôëÿöèÿ âûñîêàÿ èíôëÿöèÿ, ïîâûøåíèå öåí èíôëÿöèÿ, ïîâûøåíèå öåí íà ïðîäóêòû ïèòàíèÿ êðåäèò êðóïíàÿ ïîêóïêà ìàëåíüêàÿ çàðïëàòà ìàëåíüêàÿ ïåíñèÿ ìåíÿëè ìåñòî ðàáîòû íà íåíñèè íå èñïûòûâàëèí íåò ðàáîòû ó ñûíà íåõâàòêà äåíåã îáó÷åíèå äåòåé îäíà, ïåíñèè íå õâàòàåò î÷åíü ìàëåíüêàÿ ïåíñèÿ î÷åíü ïîäíÿëèñü öåíû âûñîêî íà ïðîäóêòû ïåíñèîíåðû ïåðåìåíà ðàáîòû ïî ðàçíûì ïîâûñèëèñü öåíû ïîâûøåíå öåí ïîâûøåíèå öåí ïîâûøåíèå öåí íà ïèòàíèå ïîâûøåíèå öåí íà ïðîäóêòû ïîâûøåíèå öåí íà ïðîäóêòû ïèòàí ïîâûøåíèå öåí íà ïðîäóêòû ïèòàíèÿ ïîâûøåíèå öåí íà ïðîäóêòû, ïðàêòè÷åñêè íà 5% ïîâûøåíèå öåí íà òîâàðû è óñëóãè ïîäâåëè êîìïàíüîíû ïîäðîæàíèåè âñåãî ïîêóïêà äîðîãîñòîÿùåé âåùè ïîìåíÿíÿëè êâàðòèðó íà áîëüøóþ ïîìîãàåì äî÷åðè ïîìîãëè äåòÿì ïîìîãëè äî÷åðè êóïèòü êâàðòèðó ïîÿâèëñÿ ðåáåíîê,äî÷ü íå ðàáîòàëà ïðåäïðèÿòèå ðàçâàëèëîñü ïðîäàëè êîðîâó ïðîäóêòû ïèòàíèÿ ïðîäóêòû ïîäîðîæàëè ðàáîòà íåíîðìèðîâàííàÿ ðàáîòà íåïîñòîÿííàÿ ðàñõîäû íà ìîþ ó÷åáó ðåçêîå ïîâûøåíèå öåí ðåîðãàíèçàöèÿ ï-èÿ ðîæäåíèå ðåáåíêà ðîñò öåí ðîñò öåí íà ïðîäóêòû ðîñò öåí îãðîìíûé ñèäåëà äîìà ñ ðåáåíêîì ñ ïîñîáèåì 1000 ðóáëåé â äåêðåòå ñêà÷îê öåí ñìåíà ðàáîòû ñìåðòü êîðìèëüöà ñìåðòü ñûíà ñíèæåíèå ðûíî÷íîé êîíüþêòóðû ñòðîèòåëüñòâî äëÿ ìîëîäûõ ñòðîèòåëüñòâî äîìà ñûãðàëè â êàçèíî òðåòèé ìóæ óøåë îò ìåíÿ è òåïåðü ó ìåíÿ íîâûé åìó 24 ãîäà óìåíèøèëèñü àëèìåíòû óìåð ìóæ óõóäøåíèå çäîðîâüÿ ó÷åáà äåòåé ó÷èì ðåáåíêà óøåë íà ïåíñèþ öåíû áîëüøèå öåíû íà âñå ïîäíÿëèñü öåíû íà ïðîäóêòû ïîäíÿëèñü öåíû íà ïðîäóêòû ïîäíÿëèñü ñèëüíî öåíû î÷åíü ïîâûñèëèñü öåíû ïîâûñèëèñü öåíû ïîâûñèëèñü íà ïðîäóêòû öåíû ïîäíÿëèñü íà âñå öåíû ïîäíÿëèñü íà âñåû ïîäíÿëèñü íà ïðîäóêòû öåíû ïîäñêî÷èëè âûñîêî How were ends met when income suddenly dropped How were ends met when income suddenly dropped How were ends met when income suddenly dropped How were ends met when income suddenly dropped How were ends met when income suddenly dropped How did you (your family) manage to make the ends meet when your income suddenly dropped? Card # 5 Any number of choices. 752 2214 1 We cut down expenses and save 2 We borrow money from relatives, friends and acquaintances 3 We spend our savings 4 We use a credit card 5 We sell our securities/shares 6 We borrow cash on bank credit 7 Our friends and relatives give us money free of charge 8 We found other sources of income 99 Don't know 999 No answer Sysmiss How were ends met when income suddenly dropped How were ends met when income suddenly dropped How were ends met when income suddenly dropped How were ends met when income suddenly dropped How were ends met when income suddenly dropped How did you (your family) manage to make the ends meet when your income suddenly dropped? Card # 5 Any number of choices. 260 2706 1 We cut down expenses and save 2 We borrow money from relatives, friends and acquaintances 3 We spend our savings 4 We use a credit card 5 We sell our securities/shares 6 We borrow cash on bank credit 7 Our friends and relatives give us money free of charge 8 We found other sources of income 99 Don't know 999 No answer Sysmiss How were ends met when income suddenly dropped How were ends met when income suddenly dropped How were ends met when income suddenly dropped How were ends met when income suddenly dropped How were ends met when income suddenly dropped How did you (your family) manage to make the ends meet when your income suddenly dropped? Card # 5 Any number of choices. 60 2906 1 We cut down expenses and save 2 We borrow money from relatives, friends and acquaintances 3 We spend our savings 4 We use a credit card 5 We sell our securities/shares 6 We borrow cash on bank credit 7 Our friends and relatives give us money free of charge 8 We found other sources of income 99 Don't know 999 No answer Sysmiss How were ends met when income suddenly dropped How were ends met when income suddenly dropped How were ends met when income suddenly dropped How were ends met when income suddenly dropped How were ends met when income suddenly dropped How did you (your family) manage to make the ends meet when your income suddenly dropped? Card # 5 Any number of choices. 5 2961 1 We cut down expenses and save 2 We borrow money from relatives, friends and acquaintances 3 We spend our savings 4 We use a credit card 5 We sell our securities/shares 6 We borrow cash on bank credit 7 Our friends and relatives give us money free of charge 8 We found other sources of income 99 Don't know 999 No answer Sysmiss How were ends met when income suddenly dropped How were ends met when income suddenly dropped How were ends met when income suddenly dropped How were ends met when income suddenly dropped How were ends met when income suddenly dropped How did you (your family) manage to make the ends meet when your income suddenly dropped? Card # 5 Any number of choices. 2966 1 We cut down expenses and save 2 We borrow money from relatives, friends and acquaintances 3 We spend our savings 4 We use a credit card 5 We sell our securities/shares 6 We borrow cash on bank credit 7 Our friends and relatives give us money free of charge 8 We found other sources of income 99 Don't know 999 No answer Sysmiss How were ends met when income suddenly dropped How were ends met when income suddenly dropped How were ends met when income suddenly dropped How were ends met when income suddenly dropped How were ends met when income suddenly dropped How did you (your family) manage to make the ends meet when your income suddenly dropped? Card # 5 Any number of choices. 2966 1 We cut down expenses and save 2 We borrow money from relatives, friends and acquaintances 3 We spend our savings 4 We use a credit card 5 We sell our securities/shares 6 We borrow cash on bank credit 7 Our friends and relatives give us money free of charge 8 We found other sources of income 99 Don't know 999 No answer Sysmiss How were ends met when income suddenly dropped How were ends met when income suddenly dropped How were ends met when income suddenly dropped How were ends met when income suddenly dropped How were ends met when income suddenly dropped How did you (your family) manage to make the ends meet when your income suddenly dropped? Card # 5 Any number of choices. 2966 1 We cut down expenses and save 2 We borrow money from relatives, friends and acquaintances 3 We spend our savings 4 We use a credit card 5 We sell our securities/shares 6 We borrow cash on bank credit 7 Our friends and relatives give us money free of charge 8 We found other sources of income 99 Don't know 999 No answer Sysmiss How were ends met when income suddenly dropped How were ends met when income suddenly dropped How were ends met when income suddenly dropped How were ends met when income suddenly dropped How were ends met when income suddenly dropped How did you (your family) manage to make the ends meet when your income suddenly dropped? Card # 5 Any number of choices. 40 Äåòè ïîìîãàþò áûñòðåå èñêàòü ðàáîòó äîëãè çàáèðàëè, îêàçûâàëè ÷àñòíûå óñëóãè ïî ñòðîèòåëüñòâó ç/î çàíèìàåìñÿ ïðèóñàäåáíûì õîçÿéñòâîì èíôëÿöèÿ îãîðîä ïîäðàáàòûâàåì ñ îòöîì íà øàáàøêå ïîäðàáàòûâàëè ïîäðàáîòêà ïîäðàáîòûâàþ ïîìîùü äåòåé ïðèðàáîòîê ïðîäàâàëà ñõ ïðîäóêòû, ìÿñî. ìîëîêî ïðîäàæà ìîëîêà, êàðòîøêè ïðîäàæà ìîëîêà, ÿèö ðàáîòà â îãîðîäå ðàñêîëêà äðîâ ñåêðåò ó ðîäèòåëåé How often did family borrow to pay back debts How often did family borrow to pay back debts How often did family borrow to pay back debts How often did family borrow to pay back debts How often did family borrow to pay back debts How often during the last year you (your family members) had to borrow to pay back your other debts? 2966 1 Always 2 Very often 3 Sometimes 4 Very rarely 5 Never 99 Don't know 999 No answer Does family currently have debt Does family currently have debt Does family currently have debt Does family currently have debt Does family currently have debt Would you please say whether you (your family) have(has) any debts now? By debts we mean either bank credits or debts to private persons. If No --> MOVE TO QUESTION 11 2966 1 Yes, we have debts 2 No, we don't have any debts 99 Don't know 999 No answer Amount of debt Amount of debt Amount of debt Amount of debt Amount of debt When answering the nest question please exclude any loans for purchase of an apartment, or dacha, or car secured on property out of your entire debt amount. Is it possible to say, that the total debt excluding the above loans will equal the amount: 484 2482 1 Debt minus the loan for purchase of the apartment 2 Less than one monthly income 3 From 1 to 2 monthly incomes 4 From 2 to 3 monthly incomes 5 From 3 to 6 monthly incomes 6 From 6 to 12 monthly incomes 7 More than yearly income 99 Don't know 999 No answer Sysmiss Did family friends encounter financial problems Did family friends encounter financial problems Did family friends encounter financial problems Did family friends encounter financial problems Did family friends encounter financial 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? Interviewer: If a respondent doesn't have such experiences then circle option 11.3 "No such families". If (s)he is aware of such cases, then read out options 11.1 and 11.2 and ask a respondent to choose one of the two alternatives. If a respondent fails to make a choice and both options look equally important then circle both options. If none of the options looks appropriate then circle option 99. "Don't know". 1600 1366 1 A family started to experience financial troubles because of unfortunate series of events 2 A family started to experience financial troubles because of a wrong money management or lack of ability to plan its finances 3 No such families 99 Don't know 999 No answer Sysmiss Did family friends encounter financial problems Did family friends encounter financial problems Did family friends encounter financial problems Did family friends encounter financial problems Did family friends encounter financial 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? Interviewer: If a respondent doesn't have such experiences then circle option 11.3 "No such families". If (s)he is aware of such cases, then read out options 11.1 and 11.2 and ask a respondent to choose one of the two alternatives. If a respondent fails to make a choice and both options look equally important then circle both options. If none of the options looks appropriate then circle option 99. "Don't know". 41 2925 1 A family started to experience financial troubles because of unfortunate series of events 2 A family started to experience financial troubles because of a wrong money management or lack of ability to plan its finances 3 No such families 99 Don't know 999 No answer Sysmiss Do you know maximum level of deposits in a Russian bank fully insured by govt Do you know maximum level of deposits in a Russian bank fully insured by govt Do you know maximum level of deposits in a Russian bank fully insured by govt Do you know maximum level of deposits in a Russian bank fully insured by govt Do you know maximum level of deposits in a Russian bank fully insured by govt Now let's talk about protection of consumer rights in financial markets and the system for insurance of savings and investments If a citizen has a deposit in a Russian bank and this bank becomes bankrupt, do you know what maximum level of a deposit is entirely insured by the government? Card #6 2966 1 0 rubles - no govt insurance 2 20,000 rubles 3 100,000 rubles 4 400,000 rubles 5 1 million rubles 6 No limits 99 Don't know 999 No answer Do you know level of losses from stock investments insured by the government Do you know level of losses from stock investments insured by the government Do you know level of losses from stock investments insured by the government Do you know level of losses from stock investments insured by the government Do you know level of losses from stock investments insured by the government 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? Card #7 1600 1366 1 0 rubles - no govt insurance 2 20,000 rubles 3 100,000 rubles 4 400,000 rubles 5 1 million rubles 6 No limits 99 Don't know 999 No answer Sysmiss How should government compensate individuals for losses in the financial market How should government compensate individuals for losses in the financial market How should government compensate individuals for losses in the financial market How should government compensate individuals for losses in the financial market How should government compensate individuals for losses in the financial market There are different opinions now of the way the government could compensate individuals for the damages from losses in the financial market investments. What do you think about it? Do you think it is appropriate for the government to compensate individuals for the losses in the following cases? Card #8 Any number of choices. 1600 1366 1 The bank which went bankrupt 2 Shares of a unit fund whose market value plunged 3 Shares of a private company, and the value of shares dropped significantly 4 Apartment or dacha and their price dropped at the moment when one needs to sell them 5 None of the above 99 Don't know 999 No answer Sysmiss How should government compensate individuals for losses in the financial market How should government compensate individuals for losses in the financial market How should government compensate individuals for losses in the financial market How should government compensate individuals for losses in the financial market How should government compensate individuals for losses in the financial market There are different opinions now of the way the government could compensate individuals for the damages from losses in the financial market investments. What do you think about it? Do you think it is appropriate for the government to compensate individuals for the losses in the following cases? Card #8 Any number of choices. 342 2624 1 The bank which went bankrupt 2 Shares of a unit fund whose market value plunged 3 Shares of a private company, and the value of shares dropped significantly 4 Apartment or dacha and their price dropped at the moment when one needs to sell them 5 None of the above 99 Don't know 999 No answer Sysmiss How should government compensate individuals for losses in the financial market How should government compensate individuals for losses in the financial market How should government compensate individuals for losses in the financial market How should government compensate individuals for losses in the financial market How should government compensate individuals for losses in the financial market There are different opinions now of the way the government could compensate individuals for the damages from losses in the financial market investments. What do you think about it? Do you think it is appropriate for the government to compensate individuals for the losses in the following cases? Card #8 Any number of choices. 113 2853 1 The bank which went bankrupt 2 Shares of a unit fund whose market value plunged 3 Shares of a private company, and the value of shares dropped significantly 4 Apartment or dacha and their price dropped at the moment when one needs to sell them 5 None of the above 99 Don't know 999 No answer Sysmiss How should government compensate individuals for losses in the financial market How should government compensate individuals for losses in the financial market How should government compensate individuals for losses in the financial market How should government compensate individuals for losses in the financial market How should government compensate individuals for losses in the financial market There are different opinions now of the way the government could compensate individuals for the damages from losses in the financial market investments. What do you think about it? Do you think it is appropriate for the government to compensate individuals for the losses in the following cases? Card #8 Any number of choices. 68 2898 1 The bank which went bankrupt 2 Shares of a unit fund whose market value plunged 3 Shares of a private company, and the value of shares dropped significantly 4 Apartment or dacha and their price dropped at the moment when one needs to sell them 5 None of the above 99 Don't know 999 No answer Sysmiss What should banks do under current Russian legislation What should banks do under current Russian legislation What should banks do under current Russian legislation What should banks do under current Russian legislation What should banks do under current Russian legislation What should the banks do under the current Russian legislation? Choose a phrase most compliant with the Russian law from the options given in the card. Card #9 One option only 1600 1366 1 Charge the same annual interest rate on all credits 2 Charge the same annual interest rates on all similar credits (credit cards, car purchase credits, mortgage loans, etc.) 3 Inform a borrower of the total credit cost 4 None of the above 99 Don't know 999 No answer Sysmiss What describes your individual life insurance situation What describes your individual life insurance situation What describes your individual life insurance situation What describes your individual life insurance situation What describes your individual life insurance situation What phrase out of the ones given below describes best your individual life insurance situation? Card # 10 Any number of choices 1600 1366 1 My life is already insured for the required amount 2 My life is insured for some amount but the level is lower than what I believe is necessary 3 I need to insure my life but it is too expensive 4 I need to insure my life but I don't believe that insurance companies will pay the claim in case of my death 5 I don't need life insurance actually 99 Don't know 999 No answer Sysmiss What describes your individual life insurance situation What describes your individual life insurance situation What describes your individual life insurance situation What describes your individual life insurance situation What describes your individual life insurance situation What phrase out of the ones given below describes best your individual life insurance situation? Card # 10 Any number of choices 38 2928 1 My life is already insured for the required amount 2 My life is insured for some amount but the level is lower than what I believe is necessary 3 I need to insure my life but it is too expensive 4 I need to insure my life but I don't believe that insurance companies will pay the claim in case of my death 5 I don't need life insurance actually 99 Don't know 999 No answer Sysmiss What describes your individual life insurance situation What describes your individual life insurance situation What describes your individual life insurance situation What describes your individual life insurance situation What describes your individual life insurance situation What phrase out of the ones given below describes best your individual life insurance situation? Card # 10 Any number of choices 2966 1 My life is already insured for the required amount 2 My life is insured for some amount but the level is lower than what I believe is necessary 3 I need to insure my life but it is too expensive 4 I need to insure my life but I don't believe that insurance companies will pay the claim in case of my death 5 I don't need life insurance actually 99 Don't know 999 No answer Sysmiss What describes your individual life insurance situation What describes your individual life insurance situation What describes your individual life insurance situation What describes your individual life insurance situation What describes your individual life insurance situation What phrase out of the ones given below describes best your individual life insurance situation? Card # 10 Any number of choices 2966 1 My life is already insured for the required amount 2 My life is insured for some amount but the level is lower than what I believe is necessary 3 I need to insure my life but it is too expensive 4 I need to insure my life but I don't believe that insurance companies will pay the claim in case of my death 5 I don't need life insurance actually 99 Don't know 999 No answer Sysmiss What tendencies do you follow personally What tendencies do you follow personally What tendencies do you follow personally What tendencies do you follow personally What tendencies do you follow personally What tendencies from the ones given below you follow personally? Card # 11 Any number of choices. If "I don't watch any trends" --> MOVE TO QUESTION 19 1600 1366 1 Changes in the property market 2 Changes of quotations and indices in the capital market 3 Changes of interest rates on deposits 4 Changes of interest rates on credits 5 Changes in the inflation rate 6 Changes in the level of public pensions, benefits and tax exemptions 7 Price fluctuations for oil, gold, metals, etc. 8 Other 9 I don't watch any trends 99 Don't know 999 No answer Sysmiss What tendencies do you follow personally What tendencies do you follow personally What tendencies do you follow personally What tendencies do you follow personally What tendencies do you follow personally What tendencies from the ones given below you follow personally? Card # 11 Any number of choices. If "I don't watch any trends" --> MOVE TO QUESTION 19 557 2409 1 Changes in the property market 2 Changes of quotations and indices in the capital market 3 Changes of interest rates on deposits 4 Changes of interest rates on credits 5 Changes in the inflation rate 6 Changes in the level of public pensions, benefits and tax exemptions 7 Price fluctuations for oil, gold, metals, etc. 8 Other 9 I don't watch any trends 99 Don't know 999 No answer Sysmiss What tendencies do you follow personally What tendencies do you follow personally What tendencies do you follow personally What tendencies do you follow personally What tendencies do you follow personally What tendencies from the ones given below you follow personally? Card # 11 Any number of choices. If "I don't watch any trends" --> MOVE TO QUESTION 19 261 2705 1 Changes in the property market 2 Changes of quotations and indices in the capital market 3 Changes of interest rates on deposits 4 Changes of interest rates on credits 5 Changes in the inflation rate 6 Changes in the level of public pensions, benefits and tax exemptions 7 Price fluctuations for oil, gold, metals, etc. 8 Other 9 I don't watch any trends 99 Don't know 999 No answer Sysmiss What tendencies do you follow personally What tendencies do you follow personally What tendencies do you follow personally What tendencies do you follow personally What tendencies do you follow personally What tendencies from the ones given below you follow personally? Card # 11 Any number of choices. If "I don't watch any trends" --> MOVE TO QUESTION 19 113 2853 1 Changes in the property market 2 Changes of quotations and indices in the capital market 3 Changes of interest rates on deposits 4 Changes of interest rates on credits 5 Changes in the inflation rate 6 Changes in the level of public pensions, benefits and tax exemptions 7 Price fluctuations for oil, gold, metals, etc. 8 Other 9 I don't watch any trends 99 Don't know 999 No answer Sysmiss What tendencies do you follow personally What tendencies do you follow personally What tendencies do you follow personally What tendencies do you follow personally What tendencies do you follow personally What tendencies from the ones given below you follow personally? Card # 11 Any number of choices. If "I don't watch any trends" --> MOVE TO QUESTION 19 46 2920 1 Changes in the property market 2 Changes of quotations and indices in the capital market 3 Changes of interest rates on deposits 4 Changes of interest rates on credits 5 Changes in the inflation rate 6 Changes in the level of public pensions, benefits and tax exemptions 7 Price fluctuations for oil, gold, metals, etc. 8 Other 9 I don't watch any trends 99 Don't know 999 No answer Sysmiss What tendencies do you follow personally What tendencies do you follow personally What tendencies do you follow personally What tendencies do you follow personally What tendencies do you follow personally What tendencies from the ones given below you follow personally? Card # 11 Any number of choices. If "I don't watch any trends" --> MOVE TO QUESTION 19 18 2948 1 Changes in the property market 2 Changes of quotations and indices in the capital market 3 Changes of interest rates on deposits 4 Changes of interest rates on credits 5 Changes in the inflation rate 6 Changes in the level of public pensions, benefits and tax exemptions 7 Price fluctuations for oil, gold, metals, etc. 8 Other 9 I don't watch any trends 99 Don't know 999 No answer Sysmiss What tendencies do you follow personally What tendencies do you follow personally What tendencies do you follow personally What tendencies do you follow personally What tendencies do you follow personally What tendencies from the ones given below you follow personally? Card # 11 Any number of choices. If "I don't watch any trends" --> MOVE TO QUESTION 19 6 2960 1 Changes in the property market 2 Changes of quotations and indices in the capital market 3 Changes of interest rates on deposits 4 Changes of interest rates on credits 5 Changes in the inflation rate 6 Changes in the level of public pensions, benefits and tax exemptions 7 Price fluctuations for oil, gold, metals, etc. 8 Other 9 I don't watch any trends 99 Don't know 999 No answer Sysmiss What tendencies do you follow personally What tendencies do you follow personally What tendencies do you follow personally What tendencies do you follow personally What tendencies do you follow personally What tendencies from the ones given below you follow personally? Card # 11 Any number of choices. If "I don't watch any trends" --> MOVE TO QUESTION 19 13 áåíçèí êâàðòïëàòà êóðñû âàëþò íà ðàçìåð ïåíñèè ïîòðåáèòåëüñêèå öåëè ðàçìåð ïåíñèè õîä çåìåëüíîé ðåôîðìû öåíû íà ïðîäóêòû öåíû íà ïðîäóêòû è áûòîâàÿ òåõíèêà öåíû íà ðûíêå What sources do you use to get information about the above tendencies What sources do you use to get information about the above tendencies What sources do you use to get information about the above tendencies What sources do you use to get information about the above tendencies What sources do you use to get information about the above tendencies What sources do you use to get information about the above tendencies? Card #12 Any number of choices. 1067 1899 1 Advertising 2 Newspapers, magazines, TV programs specializing on financial issues 3 Specialized web sites 4 Bank officers, employees of insurance and management companies, during a personal visit or by phone 5 Independent financial consultants or brokers 6 Friends and acquaintances 7 From other sources 99 Don't know 999 No answer Sysmiss What sources do you use to get information about the above tendencies What sources do you use to get information about the above tendencies What sources do you use to get information about the above tendencies What sources do you use to get information about the above tendencies What sources do you use to get information about the above tendencies What sources do you use to get information about the above tendencies? Card #12 Any number of choices. 443 2523 1 Advertising 2 Newspapers, magazines, TV programs specializing on financial issues 3 Specialized web sites 4 Bank officers, employees of insurance and management companies, during a personal visit or by phone 5 Independent financial consultants or brokers 6 Friends and acquaintances 7 From other sources 99 Don't know 999 No answer Sysmiss What sources do you use to get information about the above tendencies What sources do you use to get information about the above tendencies What sources do you use to get information about the above tendencies What sources do you use to get information about the above tendencies What sources do you use to get information about the above tendencies What sources do you use to get information about the above tendencies? Card #12 Any number of choices. 122 2844 1 Advertising 2 Newspapers, magazines, TV programs specializing on financial issues 3 Specialized web sites 4 Bank officers, employees of insurance and management companies, during a personal visit or by phone 5 Independent financial consultants or brokers 6 Friends and acquaintances 7 From other sources 99 Don't know 999 No answer Sysmiss What sources do you use to get information about the above tendencies What sources do you use to get information about the above tendencies What sources do you use to get information about the above tendencies What sources do you use to get information about the above tendencies What sources do you use to get information about the above tendencies What sources do you use to get information about the above tendencies? Card #12 Any number of choices. 28 2938 1 Advertising 2 Newspapers, magazines, TV programs specializing on financial issues 3 Specialized web sites 4 Bank officers, employees of insurance and management companies, during a personal visit or by phone 5 Independent financial consultants or brokers 6 Friends and acquaintances 7 From other sources 99 Don't know 999 No answer Sysmiss What sources do you use to get information about the above tendencies What sources do you use to get information about the above tendencies What sources do you use to get information about the above tendencies What sources do you use to get information about the above tendencies What sources do you use to get information about the above tendencies What sources do you use to get information about the above tendencies? Card #12 Any number of choices. 3 2963 1 Advertising 2 Newspapers, magazines, TV programs specializing on financial issues 3 Specialized web sites 4 Bank officers, employees of insurance and management companies, during a personal visit or by phone 5 Independent financial consultants or brokers 6 Friends and acquaintances 7 From other sources 99 Don't know 999 No answer Sysmiss What sources do you use to get information about the above tendencies What sources do you use to get information about the above tendencies What sources do you use to get information about the above tendencies What sources do you use to get information about the above tendencies What sources do you use to get information about the above tendencies What sources do you use to get information about the above tendencies? Card #12 Any number of choices. 2 2964 1 Advertising 2 Newspapers, magazines, TV programs specializing on financial issues 3 Specialized web sites 4 Bank officers, employees of insurance and management companies, during a personal visit or by phone 5 Independent financial consultants or brokers 6 Friends and acquaintances 7 From other sources 99 Don't know 999 No answer Sysmiss What sources do you use to get information about the above tendencies What sources do you use to get information about the above tendencies What sources do you use to get information about the above tendencies What sources do you use to get information about the above tendencies What sources do you use to get information about the above tendencies What sources do you use to get information about the above tendencies? Card #12 Any number of choices. 29 áåíçîçàïðàâêà â ìàãàçèíàõ â ìàãàçèíå â ìàãàçèíå âñå ñðàçó âèäíî âèæó ëè÷íî âûâåñêè íà îáìåííûõ ïóíêòàõ èç æèçíè èç ëóêîéëà èç ìàãàçèíîâ èç ñåìüè êîãäà ïîëó÷àþ ïåíñèþ íà áàçàðå íà ðûíêå íà ñâîåé øêóðå íå ñïåöèàëèçèðîâàííûõ èñòîî÷íèêîâ îò ñâîåãî áóõãàëòåðà ïåðåäà÷à óòðî ïî öåíàì íà óëèöå ïîõîäû â ìàãàçèí ðàáîòà ðàäèî ñàì âèæó ñàìà íà ïåíñèè õîæó â ìàãàçèí öåíû íà àâòîçàïðàâêàõ Did you regret puchasing a financial service during the past five years Did you regret puchasing a financial service during the past five years Did you regret puchasing a financial service during the past five years Did you regret puchasing a financial service during the past five years Did you regret puchasing a financial service during the past five years 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 and you concluded that the seller of the service deceived you? If No --> MOVE TO QUESTION 22 If Don't know --> MOVE TO QUESTION 22 1600 1366 1 Yes 2 No 99 Don't know 999 No answer Sysmiss What kind of service was it What kind of service was it What kind of service was it What kind of service was it What kind of service was it What kind of service was it? Any number of choices 137 2829 1 A bank deposit 2 A contract with a private pension fund 3 Stock 4 Shares of unit fund 5 A bank credit card 6 A bank debit card 7 A consumer loan 8 An insurance policy 9 A car credit 10 A mortgage loan 11 Another service 12 I don't remember 99 Don't know 999 No answer Sysmiss What kind of service was it What kind of service was it What kind of service was it What kind of service was it What kind of service was it What kind of service was it? Any number of choices 8 2958 1 A bank deposit 2 A contract with a private pension fund 3 Stock 4 Shares of unit fund 5 A bank credit card 6 A bank debit card 7 A consumer loan 8 An insurance policy 9 A car credit 10 A mortgage loan 11 Another service 12 I don't remember 99 Don't know 999 No answer Sysmiss What kind of service was it What kind of service was it What kind of service was it What kind of service was it What kind of service was it What kind of service was it? Any number of choices 1 2965 1 A bank deposit 2 A contract with a private pension fund 3 Stock 4 Shares of unit fund 5 A bank credit card 6 A bank debit card 7 A consumer loan 8 An insurance policy 9 A car credit 10 A mortgage loan 11 Another service 12 I don't remember 99 Don't know 999 No answer Sysmiss What kind of service was it What kind of service was it What kind of service was it What kind of service was it What kind of service was it What kind of service was it? Any number of choices 5 àãåíñòâî íåäâèæèìîñòè íåâûïîëíåíèå òåíäåðñêèõ îáÿçàòåëüñòâ ïîêóïêà êâàðòèðû ïîêóïêà ìàøèíû ññóäà What did you do after you discovered the problem What did you do after you discovered the problem What did you do after you discovered the problem What did you do after you discovered the problem What did you do after you discovered the problem What did you do after you discovered the problem? Any number of choices 137 2829 1 Nothing 2 I stopped using the service before the contract expired 3 I submitted a grievance to the company which sold me the product 4 I submitted a claim to the appropriate government authority 5 Other 99 Don't know 999 No answer Sysmiss What did you do after you discovered the problem What did you do after you discovered the problem What did you do after you discovered the problem What did you do after you discovered the problem What did you do after you discovered the problem What did you do after you discovered the problem? Any number of choices 4 2962 1 Nothing 2 I stopped using the service before the contract expired 3 I submitted a grievance to the company which sold me the product 4 I submitted a claim to the appropriate government authority 5 Other 99 Don't know 999 No answer Sysmiss What did you do after you discovered the problem What did you do after you discovered the problem What did you do after you discovered the problem What did you do after you discovered the problem What did you do after you discovered the problem What did you do after you discovered the problem? Any number of choices 1 îáðàòèëèñü â ñóä è âûèãðàëè ïðîöåññ Confidence in dispute resultion with financial institutions Confidence in dispute resultion with financial institutions Confidence in dispute resultion with financial institutions Confidence in dispute resultion with financial institutions Confidence in dispute resultion with financial institutions 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? 1600 1366 1 I am completely sure 2 I am rather sure 3 Fifty-fifty 4 I am not quite sure 5 I am not at all sure 99 Don't know 999 No answer Sysmiss Do you consider yourself financially literate Do you consider yourself financially literate Do you consider yourself financially literate Do you consider yourself financially literate Do you consider yourself financially literate Now, let's talk about financial literacy Do you consider yourself a financially literate person? Please evaluate your knowledge and skills using a five-point system, as the one at school, where 1 stands for the complete absence of knowledge and skills in management of personal finances and 5 stands for excellent command of the subject in question. 2966 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 99 Don't know 999 No answer Money in account after deposit of 100K rubles for 2 years at 8% interest rate Money in account after deposit of 100K rubles for 2 years at 8% interest rate Money in account after deposit of 100K rubles for 2 years at 8% interest rate Money in account after deposit of 100K rubles for 2 years at 8% interest rate Money in account after deposit of 100K rubles for 2 years at 8% interest rate Now we will ask you several questions in the form of a small test. Please do not be afraid of making a mistake while answering them; think and choose the answer which seems the most appropriate to you. If all proposed choices look suitable and even your intuition would not suggest a preferred option, then choose Option 99. Don't know. Let's assume that you deposited 100,000 rubles in a bank account for 2 years at 8% 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? 1600 1366 1 More than 108,000 rubles 2 Exactly 108,000 rubles 3 Less than 108,000 rubles 99 Don't know 999 No answer Sysmiss Money in account after deposit of 100K rubles for 5 years at 10% interest rate Money in account after deposit of 100K rubles for 5 years at 10% interest rate Money in account after deposit of 100K rubles for 5 years at 10% interest rate Money in account after deposit of 100K rubles for 5 years at 10% interest rate Money in account after deposit of 100K rubles for 5 years at 10% interest rate Let's assume that you deposited 100,000 rubles in a bank account for 5 years at 10% interest rate. The interest will be earned at the end of each year and will be added to the principal. How much money will you have in your account in 5 years if you do not withdraw either the principal or the interest? Card # 14 2966 1 More than 150,000 rubles 2 Exactly 150,000 rubles 3 Less than 150,000 rubles 99 Don't know 999 No answer Money buys more/less if deposited in bank at 8% interest rate with 10% inflation Money buys more/less if deposited in bank at 8% interest rate with 10% inflation Money buys more/less if deposited in bank at 8% interest rate with 10% inflation Money buys more/less if deposited in bank at 8% interest rate with 10% inflation Money buys more/less if deposited in bank at 8% interest rate with 10% inflation 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? Card # 15 Interviewer: if a respondent says that he cannot come up with estimates, as the price fluctuations for goods he buys can vary from the inflation rate, then ask him to suppose that there are no such variations. 1600 1366 1 More than a year ago 2 The same 3 Less than a year ago 99 Don't know 999 No answer Sysmiss Income buys more/less if it doubles by 2010 while consumer prices also double Income buys more/less if it doubles by 2010 while consumer prices also double Income buys more/less if it doubles by 2010 while consumer prices also double Income buys more/less if it doubles by 2010 while consumer prices also double Income buys more/less if it doubles by 2010 while consumer prices also double Let's assume that in 2010 your income is twice as now, and the consumer prices also grow twofold. Do you think that in 2010 you will be able to buy more, less, or the same amount of goods and services as today? Card # 16 2966 1 More than today 2 Exactly the same 3 Less than today 99 Don't know 999 No answer Better discount on 10K rouble TV - 1,500 rubles or 10% Better discount on 10K rouble TV - 1,500 rubles or 10% Better discount on 10K rouble TV - 1,500 rubles or 10% Better discount on 10K rouble TV - 1,500 rubles or 10% Better discount on 10K rouble TV - 1,500 rubles or 10% 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 10,000 rubles. One shop offered a discount of 1,500 rubles, while the other one offered a 10% discount. Which one is a better bargain - a discount of 1,500 rubles or 10%? Card # 17 2966 1 A discount of 1,500 rubles 2 A 10 % discount 99 Don't know 999 No answer Estimate annual interest on credit of 10K rubles if credit charge is 600 rubles Estimate annual interest on credit of 10K rubles if credit charge is 600 rubles Estimate annual interest on credit of 10K rubles if credit charge is 600 rubles Estimate annual interest on credit of 10K rubles if credit charge is 600 rubles Estimate annual interest on credit of 10K rubles if credit charge is 600 rubles Let's assume that you took a bank credit of 10,000 rubles to be paid back during a year in equal monthly payments. The credit charge is 600 rubles. Give a rough estimate of the annual interest rate on your credit. Card # 18 2966 1 3% 2 6% 3 9% 4 12% 99 Don't know 999 No answer Primary factors in comparing credit from banks Primary factors in comparing credit from banks Primary factors in comparing credit from banks Primary factors in comparing credit from banks Primary factors in comparing credit from banks 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? Card # 19 Choose only one answer 1600 1366 1 Bank's reputation (fame) and its reliability 2 View of the bank office and qualifications of its personnel 3 Credit interest rate and the credit cost 4 Gits and advertising campaigns 99 Don't know 999 No answer 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? Choose only one answer 1600 1366 1 If a shop has sales for the goods I need 2 If the interest rate on credit is higher than the one on deposit 3 If a person needs to pay for education which would allow to get a better paid job 4 If a person really needs a vacation but does not have money at the moment 99 Don't know 999 No answer Sysmiss Items of interest in personal finance management training Items of interest in personal finance management training Items of interest in personal finance management training Items of interest in personal finance management training Items of interest in personal finance management training There is a list below of the topics regarding various aspects of personal finance management. Please specify which are most interesting to learn about in the course of financial training? Card # 20 Not more than 5 answers 1504 1462 1 How to form one's own financial targets and draw a personal current financial plan 2 What to do not to get up to one's neck in debt when using credits 3 How to plan purchases of durables (car, apartment, dacha) and evaluate one's abilities to implement them 4 How does the pension scheme work and what methods are available to secure one's old age income 5 Banking services - current accounts, saving deposits, and plastic cards 6 Consumer credits to purchase goods and services 7 Mortgage loans 8 Insurance and insurance products 9 Private pension funds 10 Capital markets, stock and unit fund shares 11 Sources of information on financial services, how to interpret the information and how to differentiate the advertising information from the objective one 12 What parameters are used to compare the services offered by banks and other financial companies 13 What consumer rights protection laws are available and what one needs to do when one's consumer rights are violated 14 What information should a user pay attention to when signing a contract with a bank or another financial company 15 Other 16 I am not interested in any of such topics 99 Don't know 999 No answer Sysmiss Items of interest in personal finance management training Items of interest in personal finance management training Items of interest in personal finance management training Items of interest in personal finance management training Items of interest in personal finance management training There is a list below of the topics regarding various aspects of personal finance management. Please specify which are most interesting to learn about in the course of financial training? Card # 20 Not more than 5 answers 901 2065 1 How to form one's own financial targets and draw a personal current financial plan 2 What to do not to get up to one's neck in debt when using credits 3 How to plan purchases of durables (car, apartment, dacha) and evaluate one's abilities to implement them 4 How does the pension scheme work and what methods are available to secure one's old age income 5 Banking services - current accounts, saving deposits, and plastic cards 6 Consumer credits to purchase goods and services 7 Mortgage loans 8 Insurance and insurance products 9 Private pension funds 10 Capital markets, stock and unit fund shares 11 Sources of information on financial services, how to interpret the information and how to differentiate the advertising information from the objective one 12 What parameters are used to compare the services offered by banks and other financial companies 13 What consumer rights protection laws are available and what one needs to do when one's consumer rights are violated 14 What information should a user pay attention to when signing a contract with a bank or another financial company 15 Other 16 I am not interested in any of such topics 99 Don't know 999 No answer Sysmiss Items of interest in personal finance management training Items of interest in personal finance management training Items of interest in personal finance management training Items of interest in personal finance management training Items of interest in personal finance management training There is a list below of the topics regarding various aspects of personal finance management. Please specify which are most interesting to learn about in the course of financial training? Card # 20 Not more than 5 answers 684 2282 1 How to form one's own financial targets and draw a personal current financial plan 2 What to do not to get up to one's neck in debt when using credits 3 How to plan purchases of durables (car, apartment, dacha) and evaluate one's abilities to implement them 4 How does the pension scheme work and what methods are available to secure one's old age income 5 Banking services - current accounts, saving deposits, and plastic cards 6 Consumer credits to purchase goods and services 7 Mortgage loans 8 Insurance and insurance products 9 Private pension funds 10 Capital markets, stock and unit fund shares 11 Sources of information on financial services, how to interpret the information and how to differentiate the advertising information from the objective one 12 What parameters are used to compare the services offered by banks and other financial companies 13 What consumer rights protection laws are available and what one needs to do when one's consumer rights are violated 14 What information should a user pay attention to when signing a contract with a bank or another financial company 15 Other 16 I am not interested in any of such topics 99 Don't know 999 No answer Sysmiss Items of interest in personal finance management training Items of interest in personal finance management training Items of interest in personal finance management training Items of interest in personal finance management training Items of interest in personal finance management training There is a list below of the topics regarding various aspects of personal finance management. Please specify which are most interesting to learn about in the course of financial training? Card # 20 Not more than 5 answers 453 2513 1 How to form one's own financial targets and draw a personal current financial plan 2 What to do not to get up to one's neck in debt when using credits 3 How to plan purchases of durables (car, apartment, dacha) and evaluate one's abilities to implement them 4 How does the pension scheme work and what methods are available to secure one's old age income 5 Banking services - current accounts, saving deposits, and plastic cards 6 Consumer credits to purchase goods and services 7 Mortgage loans 8 Insurance and insurance products 9 Private pension funds 10 Capital markets, stock and unit fund shares 11 Sources of information on financial services, how to interpret the information and how to differentiate the advertising information from the objective one 12 What parameters are used to compare the services offered by banks and other financial companies 13 What consumer rights protection laws are available and what one needs to do when one's consumer rights are violated 14 What information should a user pay attention to when signing a contract with a bank or another financial company 15 Other 16 I am not interested in any of such topics 99 Don't know 999 No answer Sysmiss Items of interest in personal finance management training Items of interest in personal finance management training Items of interest in personal finance management training Items of interest in personal finance management training Items of interest in personal finance management training There is a list below of the topics regarding various aspects of personal finance management. Please specify which are most interesting to learn about in the course of financial training? Card # 20 Not more than 5 answers 265 2701 1 How to form one's own financial targets and draw a personal current financial plan 2 What to do not to get up to one's neck in debt when using credits 3 How to plan purchases of durables (car, apartment, dacha) and evaluate one's abilities to implement them 4 How does the pension scheme work and what methods are available to secure one's old age income 5 Banking services - current accounts, saving deposits, and plastic cards 6 Consumer credits to purchase goods and services 7 Mortgage loans 8 Insurance and insurance products 9 Private pension funds 10 Capital markets, stock and unit fund shares 11 Sources of information on financial services, how to interpret the information and how to differentiate the advertising information from the objective one 12 What parameters are used to compare the services offered by banks and other financial companies 13 What consumer rights protection laws are available and what one needs to do when one's consumer rights are violated 14 What information should a user pay attention to when signing a contract with a bank or another financial company 15 Other 16 I am not interested in any of such topics 99 Don't know 999 No answer Sysmiss Who is most suitable to deliver financial literacy training Who is most suitable to deliver financial literacy training Who is most suitable to deliver financial literacy training Who is most suitable to deliver financial literacy training Who is most suitable to deliver financial literacy training Currently many organizations related to capital markets declare their preparedness to deal with improvement of financial literacy of the people. What kind of trainers do you see as the most suitable to deliver financial literacy program? Card # 21 Not more than 3 options 1600 1366 1 A commercial bank 2 Pension fund and/or insurance companies 3 Unit investment funds (management companies) 4 Non-government organizations or public organizations involved in consumer rights protection 5 Government entities regulating these markets 6 Higher education institutions of economic and financial profile 7 Independent financial consultants 8 Mass media (journalists and TV presenters) 9 Other people 99 Don't know 999 No answer Sysmiss Who is most suitable to deliver financial literacy training Who is most suitable to deliver financial literacy training Who is most suitable to deliver financial literacy training Who is most suitable to deliver financial literacy training Who is most suitable to deliver financial literacy training Currently many organizations related to capital markets declare their preparedness to deal with improvement of financial literacy of the people. What kind of trainers do you see as the most suitable to deliver financial literacy program? Card # 21 Not more than 3 options 620 2346 1 A commercial bank 2 Pension fund and/or insurance companies 3 Unit investment funds (management companies) 4 Non-government organizations or public organizations involved in consumer rights protection 5 Government entities regulating these markets 6 Higher education institutions of economic and financial profile 7 Independent financial consultants 8 Mass media (journalists and TV presenters) 9 Other people 99 Don't know 999 No answer Sysmiss Who is most suitable to deliver financial literacy training Who is most suitable to deliver financial literacy training Who is most suitable to deliver financial literacy training Who is most suitable to deliver financial literacy training Who is most suitable to deliver financial literacy training Currently many organizations related to capital markets declare their preparedness to deal with improvement of financial literacy of the people. What kind of trainers do you see as the most suitable to deliver financial literacy program? Card # 21 Not more than 3 options 340 2626 1 A commercial bank 2 Pension fund and/or insurance companies 3 Unit investment funds (management companies) 4 Non-government organizations or public organizations involved in consumer rights protection 5 Government entities regulating these markets 6 Higher education institutions of economic and financial profile 7 Independent financial consultants 8 Mass media (journalists and TV presenters) 9 Other people 99 Don't know 999 No answer Sysmiss Who is most suitable to deliver financial literacy trainin Who is most suitable to deliver financial literacy trainin Who is most suitable to deliver financial literacy trainin Who is most suitable to deliver financial literacy trainin Who is most suitable to deliver financial literacy trainin Currently many organizations related to capital markets declare their preparedness to deal with improvement of financial literacy of the people. What kind of trainers do you see as the most suitable to deliver financial literacy program? Card # 21 Not more than 3 options 8 Áîäîøåôåð-àìåðèêàíñêèé ñïåöèàëèñò âñåõ ïåðå÷èñëåííûõ ãëàâ ìåñòíûõ íàñåëåíèé ãðàìîòíûõ çàèíòåðåñîâàííûõ â ïîëüçå ïîòðåáèòåëåé ëèö ìåñòíà âëàñòü îò çíàþùèõ ëþäåé ñïåöèàëèñòîâ â ýòîé îáëàñòè How would you spend 45K-50K ruble windfall income How would you spend 45K-50K ruble windfall income How would you spend 45K-50K ruble windfall income How would you spend 45K-50K ruble windfall income How would you spend 45K-50K ruble windfall income Let's assume that in addition to your regular income your family got some money in the amount of 45,000-50,000 rubles. What would you do with this money most likely? Card #22. Not more than 4 options 1600 1366 1 I'll spend it on the purchase of household goods 2 I'll try to add money (through borrowing, e.g.) and buy a plot of land, a car, etc. 3 I'll make long-term savings to accumulate money for more expensive things 4 I'll make reserves (for unexpected event, special events, for a rainy day, etc.) 5 I'll repay my earlier debts 6 I'll spend it on entertainment, on travel or vacation 7 I'll invest it in my own business 8 I'll spend it on education and development of my children 9 I'll spend it on upgrade of my skills or training for a new vacation/profession 10 I'll spend it on my medical treatment and that of my close family 11 I'll buy an insurance policy for myself or the family, spend it on voluntary pension (through a pension fund) 12 I'll buy gold, jewels and the like 13 I'll invest it in the bank deposit at an interest rate 14 I'll buy shares and other stock of Russian companies, buy government bonds (obligations and the like) 15 Other 99 Don't know 999 No answer Sysmiss How would you spend 45K-50K ruble windfall income How would you spend 45K-50K ruble windfall income How would you spend 45K-50K ruble windfall income How would you spend 45K-50K ruble windfall income How would you spend 45K-50K ruble windfall income Let's assume that in addition to your regular income your family got some money in the amount of 45,000-50,000 rubles. What would you do with this money most likely? Card #22. Not more than 4 options 791 2175 1 I'll spend it on the purchase of household goods 2 I'll try to add money (through borrowing, e.g.) and buy a plot of land, a car, etc. 3 I'll make long-term savings to accumulate money for more expensive things 4 I'll make reserves (for unexpected event, special events, for a rainy day, etc.) 5 I'll repay my earlier debts 6 I'll spend it on entertainment, on travel or vacation 7 I'll invest it in my own business 8 I'll spend it on education and development of my children 9 I'll spend it on upgrade of my skills or training for a new vacation/profession 10 I'll spend it on my medical treatment and that of my close family 11 I'll buy an insurance policy for myself or the family, spend it on voluntary pension (through a pension fund) 12 I'll buy gold, jewels and the like 13 I'll invest it in the bank deposit at an interest rate 14 I'll buy shares and other stock of Russian companies, buy government bonds (obligations and the like) 15 Other 99 Don't know 999 No answer Sysmiss How would you spend 45K-50K ruble windfall income How would you spend 45K-50K ruble windfall income How would you spend 45K-50K ruble windfall income How would you spend 45K-50K ruble windfall income How would you spend 45K-50K ruble windfall income Let's assume that in addition to your regular income your family got some money in the amount of 45,000-50,000 rubles. What would you do with this money most likely? Card #22. Not more than 4 options 398 2568 1 I'll spend it on the purchase of household goods 2 I'll try to add money (through borrowing, e.g.) and buy a plot of land, a car, etc. 3 I'll make long-term savings to accumulate money for more expensive things 4 I'll make reserves (for unexpected event, special events, for a rainy day, etc.) 5 I'll repay my earlier debts 6 I'll spend it on entertainment, on travel or vacation 7 I'll invest it in my own business 8 I'll spend it on education and development of my children 9 I'll spend it on upgrade of my skills or training for a new vacation/profession 10 I'll spend it on my medical treatment and that of my close family 11 I'll buy an insurance policy for myself or the family, spend it on voluntary pension (through a pension fund) 12 I'll buy gold, jewels and the like 13 I'll invest it in the bank deposit at an interest rate 14 I'll buy shares and other stock of Russian companies, buy government bonds (obligations and the like) 15 Other 99 Don't know 999 No answer Sysmiss How would you spend 45K-50K ruble windfall income How would you spend 45K-50K ruble windfall income How would you spend 45K-50K ruble windfall income How would you spend 45K-50K ruble windfall income How would you spend 45K-50K ruble windfall income Let's assume that in addition to your regular income your family got some money in the amount of 45,000-50,000 rubles. What would you do with this money most likely? Card #22. Not more than 4 options 163 2803 1 I'll spend it on the purchase of household goods 2 I'll try to add money (through borrowing, e.g.) and buy a plot of land, a car, etc. 3 I'll make long-term savings to accumulate money for more expensive things 4 I'll make reserves (for unexpected event, special events, for a rainy day, etc.) 5 I'll repay my earlier debts 6 I'll spend it on entertainment, on travel or vacation 7 I'll invest it in my own business 8 I'll spend it on education and development of my children 9 I'll spend it on upgrade of my skills or training for a new vacation/profession 10 I'll spend it on my medical treatment and that of my close family 11 I'll buy an insurance policy for myself or the family, spend it on voluntary pension (through a pension fund) 12 I'll buy gold, jewels and the like 13 I'll invest it in the bank deposit at an interest rate 14 I'll buy shares and other stock of Russian companies, buy government bonds (obligations and the like) 15 Other 99 Don't know 999 No answer Sysmiss How does family usually manage everyday revenues How does family usually manage everyday revenues How does family usually manage everyday revenues How does family usually manage everyday revenues How does family usually manage everyday revenues How do you (does your family) usually manage your everyday revenues? 1600 1366 1 I try to save something and spend the rest of the money on the everyday needs 2 I spend money on the everyday needs and save the rest 3 I spend all the money on everyday needs and do not save anything 4 I find it difficult to answer this question 99 Don't know 999 No answer Sysmiss Family's reasons for saving/investment Family's reasons for saving/investment Family's reasons for saving/investment Family's reasons for saving/investment Family's reasons for saving/investment People save or invest for different reasons. What are your (your family's) personal reasons to have made savings or investments? Card #23 Not more than 3 choices 1024 1942 1 For a rainy day, for unexpected expenses 2 For retirement 3 To get income in the form of interest, increased market value of assets, etc. 4 To save for a large purchase 5 To leave something for children to inherit 6 To increase my living standards in the future 7 I like saving and not spending money 8 To be independent and be able to make choices 9 To speculate on the stock exchange 10 No particular reason, this is a family tradition 11 For another reason 99 Don't know 999 No answer Sysmiss Family's reasons for saving/investment Family's reasons for saving/investment Family's reasons for saving/investment Family's reasons for saving/investment Family's reasons for saving/investment People save or invest for different reasons. What are your (your family's) personal reasons to have made savings or investments? Card #23 Not more than 3 choices 385 2581 1 For a rainy day, for unexpected expenses 2 For retirement 3 To get income in the form of interest, increased market value of assets, etc. 4 To save for a large purchase 5 To leave something for children to inherit 6 To increase my living standards in the future 7 I like saving and not spending money 8 To be independent and be able to make choices 9 To speculate on the stock exchange 10 No particular reason, this is a family tradition 11 For another reason 99 Don't know 999 No answer Sysmiss Family's reasons for saving/investment Family's reasons for saving/investment Family's reasons for saving/investment Family's reasons for saving/investment Family's reasons for saving/investment People save or invest for different reasons. What are your (your family's) personal reasons to have made savings or investments? Card #23 Not more than 3 choices 161 2805 1 For a rainy day, for unexpected expenses 2 For retirement 3 To get income in the form of interest, increased market value of assets, etc. 4 To save for a large purchase 5 To leave something for children to inherit 6 To increase my living standards in the future 7 I like saving and not spending money 8 To be independent and be able to make choices 9 To speculate on the stock exchange 10 No particular reason, this is a family tradition 11 For another reason 99 Don't know 999 No answer Sysmiss Family's reasons for saving/investment Family's reasons for saving/investment Family's reasons for saving/investment Family's reasons for saving/investment Family's reasons for saving/investment People save or invest for different reasons. What are your (your family's) personal reasons to have made savings or investments? Card #23 Not more than 3 choices 19 10-ãî íåò â ìàòðèöå äåòè îòêëàäûâàþò ìîþ ïåíñèþ íà êíèæêó äåòÿì ïîìîãàþ íà ëå÷åíèå íà îáðàçîâàíèå äåòåé íà ïåðååçä â äðóãîé ãîðîä íà ïîõîðîíû íà ïóòåøåñòâèå íà ðåìîíò íå äåëàþ ñáåðåæåíèé íåò ñáåðåæåíèé îáðàçîâàíèå äëÿ ñûíà îïåðàöèÿ íà ãëàçà ïîêà ðàáîòàåì, ïåíñèþ íå òðîãàåì ïîìî÷ü äåòÿì ïîìîùü äåòÿì ó íàñ ìàëåíüêèé ðåáåíîê, íóæíî ýòî ó÷èòûâàòü ÷òî áû ñ äîìàìè ðàññ÷èòàòüñÿ If you (your family) do/does not make savings, what is the reason If you (your family) do/does not make savings, what is the reason If you (your family) do/does not make savings, what is the reason If you (your family) do/does not make savings, what is the reason If you (your family) do/does not make savings, what is the reason If you (your family) do/does not make savings, what is the reason? Card #24 Any number of choices 576 2390 1 I don't trust financial institutions 2 I cannot do this because of a low income 3 I don't see the point in making savings 4 I cannot resist the temptation to spend the money on shopping 5 For another reason 99 Don't know 999 No answer Sysmiss If you (your family) do/does not make savings, what is the reason If you (your family) do/does not make savings, what is the reason If you (your family) do/does not make savings, what is the reason If you (your family) do/does not make savings, what is the reason If you (your family) do/does not make savings, what is the reason If you (your family) do/does not make savings, what is the reason? Card #24 Any number of choices 75 2891 1 I don't trust financial institutions 2 I cannot do this because of a low income 3 I don't see the point in making savings 4 I cannot resist the temptation to spend the money on shopping 5 For another reason 99 Don't know 999 No answer Sysmiss If you (your family) do/does not make savings, what is the reason If you (your family) do/does not make savings, what is the reason If you (your family) do/does not make savings, what is the reason If you (your family) do/does not make savings, what is the reason If you (your family) do/does not make savings, what is the reason If you (your family) do/does not make savings, what is the reason? Card #24 Any number of choices 16 2950 1 I don't trust financial institutions 2 I cannot do this because of a low income 3 I don't see the point in making savings 4 I cannot resist the temptation to spend the money on shopping 5 For another reason 99 Don't know 999 No answer Sysmiss If you (your family) do/does not make savings, what is the reason If you (your family) do/does not make savings, what is the reason If you (your family) do/does not make savings, what is the reason If you (your family) do/does not make savings, what is the reason If you (your family) do/does not make savings, what is the reason If you (your family) do/does not make savings, what is the reason? Card #24 Any number of choices 2966 1 I don't trust financial institutions 2 I cannot do this because of a low income 3 I don't see the point in making savings 4 I cannot resist the temptation to spend the money on shopping 5 For another reason 99 Don't know 999 No answer Sysmiss If you (your family) do/does not make savings, what is the reason If you (your family) do/does not make savings, what is the reason If you (your family) do/does not make savings, what is the reason If you (your family) do/does not make savings, what is the reason If you (your family) do/does not make savings, what is the reason If you (your family) do/does not make savings, what is the reason? Card #24 Any number of choices 8 äåíüãè èäóò íà ñòîèòåëüñòâî äîìà è îòäûõ äåòÿì ïîìîãàåì ìíå ñëèøêîì ìíîãî íóæíî íå õâàòàåò ÷òîáû îòëîæèòü íåò ñðåäñòâ îòäàþ äåòÿì ïîìîãàþ ðàñòèòü âíóêîâ ó ìîëîäîé ñåìüè ìíîãî ïîòðåáíîñòåé What financial services from the given below do you personally use What financial services from the given below do you personally use What financial services from the given below do you personally use What financial services from the given below do you personally use What financial services from the given below do you personally use What financial services from the given below do you personally use currently? Any number of choices 1600 1366 1 Consumer credit 2 Bank current account 3 Bank deposit account 4 Currency exchange 5 Credit card 6 Bank plastic card (not a credit one) 7 Mortgage loan 8 Insurance policies 9 Investments in unit funds 10 Investments in companies' stock 11 Private pension fund policies 12 None of the above 99 Don't know 999 Sysmiss What financial services from the given below do you personally use What financial services from the given below do you personally use What financial services from the given below do you personally use What financial services from the given below do you personally use What financial services from the given below do you personally use What financial services from the given below do you personally use currently? Any number of choices 370 2596 1 Consumer credit 2 Bank current account 3 Bank deposit account 4 Currency exchange 5 Credit card 6 Bank plastic card (not a credit one) 7 Mortgage loan 8 Insurance policies 9 Investments in unit funds 10 Investments in companies' stock 11 Private pension fund policies 12 None of the above 99 Don't know Sysmiss What financial services from the given below do you personally use What financial services from the given below do you personally use What financial services from the given below do you personally use What financial services from the given below do you personally use What financial services from the given below do you personally use What financial services from the given below do you personally use currently? Any number of choices 138 2828 1 Consumer credit 2 Bank current account 3 Bank deposit account 4 Currency exchange 5 Credit card 6 Bank plastic card (not a credit one) 7 Mortgage loan 8 Insurance policies 9 Investments in unit funds 10 Investments in companies' stock 11 Private pension fund policies 12 None of the above 99 Don't know Sysmiss What financial services from the given below do you personally use What financial services from the given below do you personally use What financial services from the given below do you personally use What financial services from the given below do you personally use What financial services from the given below do you personally use What financial services from the given below do you personally use currently? Any number of choices 34 2932 1 Consumer credit 2 Bank current account 3 Bank deposit account 4 Currency exchange 5 Credit card 6 Bank plastic card (not a credit one) 7 Mortgage loan 8 Insurance policies 9 Investments in unit funds 10 Investments in companies' stock 11 Private pension fund policies 12 None of the above 99 Don't know Sysmiss What financial services from the given below do you personally use What financial services from the given below do you personally use What financial services from the given below do you personally use What financial services from the given below do you personally use What financial services from the given below do you personally use What financial services from the given below do you personally use currently? Any number of choices 9 2957 1 Consumer credit 2 Bank current account 3 Bank deposit account 4 Currency exchange 5 Credit card 6 Bank plastic card (not a credit one) 7 Mortgage loan 8 Insurance policies 9 Investments in unit funds 10 Investments in companies' stock 11 Private pension fund policies 12 None of the above 99 Don't know Sysmiss What financial services from the given below do your family members use What financial services from the given below do your family members use What financial services from the given below do your family members use What financial services from the given below do your family members use What financial services from the given below do your family members use What financial services from the given below do your family members use currently? Any number of choices 1600 1366 1 Consumer credit 2 Bank current account 3 Bank deposit account 4 Currency exchange 5 Credit card 6 Bank plastic card (not a credit one) 7 Mortgage loan 8 Insurance policies 9 Investments in unit funds 10 Investments in companies' stock 11 Private pension fund policies 12 None of the above 99 Don't know 999 Sysmiss What financial services from the given below do your family members use What financial services from the given below do your family members use What financial services from the given below do your family members use What financial services from the given below do your family members use What financial services from the given below do your family members use What financial services from the given below do your family members use currently? Any number of choices 357 2609 1 Consumer credit 2 Bank current account 3 Bank deposit account 4 Currency exchange 5 Credit card 6 Bank plastic card (not a credit one) 7 Mortgage loan 8 Insurance policies 9 Investments in unit funds 10 Investments in companies' stock 11 Private pension fund policies 12 None of the above 99 Don't know Sysmiss What financial services from the given below do your family members use What financial services from the given below do your family members use What financial services from the given below do your family members use What financial services from the given below do your family members use What financial services from the given below do your family members use What financial services from the given below do your family members use currently? Any number of choices 165 2801 1 Consumer credit 2 Bank current account 3 Bank deposit account 4 Currency exchange 5 Credit card 6 Bank plastic card (not a credit one) 7 Mortgage loan 8 Insurance policies 9 Investments in unit funds 10 Investments in companies' stock 11 Private pension fund policies 12 None of the above 99 Don't know Sysmiss What financial services from the given below do your family members use What financial services from the given below do your family members use What financial services from the given below do your family members use What financial services from the given below do your family members use What financial services from the given below do your family members use What financial services from the given below do your family members use currently? Any number of choices 55 2911 1 Consumer credit 2 Bank current account 3 Bank deposit account 4 Currency exchange 5 Credit card 6 Bank plastic card (not a credit one) 7 Mortgage loan 8 Insurance policies 9 Investments in unit funds 10 Investments in companies' stock 11 Private pension fund policies 12 None of the above 99 Don't know Sysmiss What financial services from the given below do your family members use What financial services from the given below do your family members use What financial services from the given below do your family members use What financial services from the given below do your family members use What financial services from the given below do your family members use What financial services from the given below do your family members use currently? Any number of choices 24 2942 1 Consumer credit 2 Bank current account 3 Bank deposit account 4 Currency exchange 5 Credit card 6 Bank plastic card (not a credit one) 7 Mortgage loan 8 Insurance policies 9 Investments in unit funds 10 Investments in companies' stock 11 Private pension fund policies 12 None of the above 99 Don't know Sysmiss What financial services from the given below do your family members use What financial services from the given below do your family members use What financial services from the given below do your family members use What financial services from the given below do your family members use What financial services from the given below do your family members use What financial services from the given below do your family members use currently? Any number of choices 6 2960 1 Consumer credit 2 Bank current account 3 Bank deposit account 4 Currency exchange 5 Credit card 6 Bank plastic card (not a credit one) 7 Mortgage loan 8 Insurance policies 9 Investments in unit funds 10 Investments in companies' stock 11 Private pension fund policies 12 None of the above 99 Don't know Sysmiss What financial services from the given below do your family members use What financial services from the given below do your family members use What financial services from the given below do your family members use What financial services from the given below do your family members use What financial services from the given below do your family members use What financial services from the given below do your family members use currently? Any number of choices 3 2963 1 Consumer credit 2 Bank current account 3 Bank deposit account 4 Currency exchange 5 Credit card 6 Bank plastic card (not a credit one) 7 Mortgage loan 8 Insurance policies 9 Investments in unit funds 10 Investments in companies' stock 11 Private pension fund policies 12 None of the above 99 Don't know Sysmiss What financial services from the given below do your family members use What financial services from the given below do your family members use What financial services from the given below do your family members use What financial services from the given below do your family members use What financial services from the given below do your family members use What financial services from the given below do your family members use currently? Any number of choices 1 2965 1 Consumer credit 2 Bank current account 3 Bank deposit account 4 Currency exchange 5 Credit card 6 Bank plastic card (not a credit one) 7 Mortgage loan 8 Insurance policies 9 Investments in unit funds 10 Investments in companies' stock 11 Private pension fund policies 12 None of the above 99 Don't know Sysmiss Which services would you like to get additional information about Which services would you like to get additional information about Which services would you like to get additional information about Which services would you like to get additional information about Which services would you like to get additional information about What services of the above would you like to know better or get additional information about? Any number of choices 1600 1366 1 Consumer credit 2 Bank current account 3 Bank deposit account 4 Currency exchange 5 Credit card 6 Bank plastic card (not a credit one) 7 Mortgage loan 8 Insurance policies 9 Investments in unit funds 10 Investments in companies' stock 11 Private pension fund policies 12 None of the above 99 Don't know Sysmiss Which services would you like to get additional information about Which services would you like to get additional information about Which services would you like to get additional information about Which services would you like to get additional information about Which services would you like to get additional information about What services of the above would you like to know better or get additional information about? Any number of choices 400 2566 1 Consumer credit 2 Bank current account 3 Bank deposit account 4 Currency exchange 5 Credit card 6 Bank plastic card (not a credit one) 7 Mortgage loan 8 Insurance policies 9 Investments in unit funds 10 Investments in companies' stock 11 Private pension fund policies 12 None of the above 99 Don't know Sysmiss Which services would you like to get additional information about Which services would you like to get additional information about Which services would you like to get additional information about Which services would you like to get additional information about Which services would you like to get additional information about What services of the above would you like to know better or get additional information about? Any number of choices 195 2771 1 Consumer credit 2 Bank current account 3 Bank deposit account 4 Currency exchange 5 Credit card 6 Bank plastic card (not a credit one) 7 Mortgage loan 8 Insurance policies 9 Investments in unit funds 10 Investments in companies' stock 11 Private pension fund policies 12 None of the above 99 Don't know Sysmiss Which services would you like to get additional information about Which services would you like to get additional information about Which services would you like to get additional information about Which services would you like to get additional information about Which services would you like to get additional information about What services of the above would you like to know better or get additional information about? Any number of choices 74 2892 1 Consumer credit 2 Bank current account 3 Bank deposit account 4 Currency exchange 5 Credit card 6 Bank plastic card (not a credit one) 7 Mortgage loan 8 Insurance policies 9 Investments in unit funds 10 Investments in companies' stock 11 Private pension fund policies 12 None of the above 99 Don't know Sysmiss Which services would you like to get additional information about Which services would you like to get additional information about Which services would you like to get additional information about Which services would you like to get additional information about Which services would you like to get additional information about What services of the above would you like to know better or get additional information about? Any number of choices 30 2936 1 Consumer credit 2 Bank current account 3 Bank deposit account 4 Currency exchange 5 Credit card 6 Bank plastic card (not a credit one) 7 Mortgage loan 8 Insurance policies 9 Investments in unit funds 10 Investments in companies' stock 11 Private pension fund policies 12 None of the above 99 Don't know Sysmiss Which services would you like to get additional information about Which services would you like to get additional information about Which services would you like to get additional information about Which services would you like to get additional information about Which services would you like to get additional information about What services of the above would you like to know better or get additional information about? Any number of choices 8 2958 1 Consumer credit 2 Bank current account 3 Bank deposit account 4 Currency exchange 5 Credit card 6 Bank plastic card (not a credit one) 7 Mortgage loan 8 Insurance policies 9 Investments in unit funds 10 Investments in companies' stock 11 Private pension fund policies 12 None of the above 99 Don't know Sysmiss Which services would you like to get additional information about Which services would you like to get additional information about Which services would you like to get additional information about Which services would you like to get additional information about Which services would you like to get additional information about What services of the above would you like to know better or get additional information about? Any number of choices 5 2961 1 Consumer credit 2 Bank current account 3 Bank deposit account 4 Currency exchange 5 Credit card 6 Bank plastic card (not a credit one) 7 Mortgage loan 8 Insurance policies 9 Investments in unit funds 10 Investments in companies' stock 11 Private pension fund policies 12 None of the above 99 Don't know Sysmiss Which services would you like to get additional information about Which services would you like to get additional information about Which services would you like to get additional information about Which services would you like to get additional information about Which services would you like to get additional information about What services of the above would you like to know better or get additional information about? Any number of choices 4 2962 1 Consumer credit 2 Bank current account 3 Bank deposit account 4 Currency exchange 5 Credit card 6 Bank plastic card (not a credit one) 7 Mortgage loan 8 Insurance policies 9 Investments in unit funds 10 Investments in companies' stock 11 Private pension fund policies 12 None of the above 99 Don't know Sysmiss Which services would you like to get additional information about Which services would you like to get additional information about Which services would you like to get additional information about Which services would you like to get additional information about Which services would you like to get additional information about What services of the above would you like to know better or get additional information about? Any number of choices 1 2965 1 Consumer credit 2 Bank current account 3 Bank deposit account 4 Currency exchange 5 Credit card 6 Bank plastic card (not a credit one) 7 Mortgage loan 8 Insurance policies 9 Investments in unit funds 10 Investments in companies' stock 11 Private pension fund policies 12 None of the above 99 Don't know Sysmiss Which services would you like to get additional information about Which services would you like to get additional information about Which services would you like to get additional information about Which services would you like to get additional information about Which services would you like to get additional information about What services of the above would you like to know better or get additional information about? Any number of choices 1 2965 1 Consumer credit 2 Bank current account 3 Bank deposit account 4 Currency exchange 5 Credit card 6 Bank plastic card (not a credit one) 7 Mortgage loan 8 Insurance policies 9 Investments in unit funds 10 Investments in companies' stock 11 Private pension fund policies 12 None of the above 99 Don't know Sysmiss Which services would you like to get additional information about Which services would you like to get additional information about Which services would you like to get additional information about Which services would you like to get additional information about Which services would you like to get additional information about What services of the above would you like to know better or get additional information about? Any number of choices 1 2965 1 Consumer credit 2 Bank current account 3 Bank deposit account 4 Currency exchange 5 Credit card 6 Bank plastic card (not a credit one) 7 Mortgage loan 8 Insurance policies 9 Investments in unit funds 10 Investments in companies' stock 11 Private pension fund policies 12 None of the above 99 Don't know Sysmiss How often do you compare the terms of financial services before you buy How often do you compare the terms of financial services before you buy How often do you compare the terms of financial services before you buy How often do you compare the terms of financial services before you buy How often do you compare the terms of financial services before you buy How often do you compare the terms and conditions for provision of financial services by various companies before you buy such a service? 2966 1 Always 2 Sometimes 3 Rarely 4 Never 99 Don't know 999 No answer What sources of information do you use when choosing buying a financial service What sources of information do you use when choosing buying a financial service What sources of information do you use when choosing buying a financial service What sources of information do you use when choosing buying a financial service What sources of information do you use when choosing buying a financial service What sources of information do you pay attention to when choosing a company to buy a service from? Not more than 3 choices 965 2001 1 Advertisements 2 Advice of consultants working for providers of a required service 3 Information materials of financial companies on their tariffs and services of various types 4 Recommendations of independent financial consultants or brokers 5 Advice of friends and relatives 6 Analytical materials published in mass media 7 Employer's advice 8 Internet resources 9 Other sourses 99 Don't know 999 No answer Sysmiss What sources of information do you use when choosing buying a financial service What sources of information do you use when choosing buying a financial service What sources of information do you use when choosing buying a financial service What sources of information do you use when choosing buying a financial service What sources of information do you use when choosing buying a financial service What sources of information do you pay attention to when choosing a company to buy a service from? Not more than 3 choices 483 2483 1 Advertisements 2 Advice of consultants working for providers of a required service 3 Information materials of financial companies on their tariffs and services of various types 4 Recommendations of independent financial consultants or brokers 5 Advice of friends and relatives 6 Analytical materials published in mass media 7 Employer's advice 8 Internet resources 9 Other sourses 99 Don't know 999 No answer Sysmiss What sources of information do you use when choosing buying a financial service What sources of information do you use when choosing buying a financial service What sources of information do you use when choosing buying a financial service What sources of information do you use when choosing buying a financial service What sources of information do you use when choosing buying a financial service What sources of information do you pay attention to when choosing a company to buy a service from? Not more than 3 choices 228 2738 1 Advertisements 2 Advice of consultants working for providers of a required service 3 Information materials of financial companies on their tariffs and services of various types 4 Recommendations of independent financial consultants or brokers 5 Advice of friends and relatives 6 Analytical materials published in mass media 7 Employer's advice 8 Internet resources 9 Other sourses 99 Don't know 999 No answer Sysmiss What sources of information do you use when choosing buying a financial service What sources of information do you use when choosing buying a financial service What sources of information do you use when choosing buying a financial service What sources of information do you use when choosing buying a financial service What sources of information do you use when choosing buying a financial service What sources of information do you pay attention to when choosing a company to buy a service from? Not more than 3 choices 10 Ò â ìàãàçèíå ðàáîòàåò íåñêîëüêî áàíêîâ ñðàâíèâàþ óñëîâèÿ è âûáèðàþ íàèáîëåå ïðèåìëåìûå íà ñåáÿ, ðàíüøå çàíèìàëñÿ ýêîíîìèêîé îïûò ïðîøó âñå ïðîñ÷èòàòü ñíà÷àëà â îäíîì áàíêå, ïîòîì â äðóãîì è ñðàâíèâàþ ïåðåïëàòó ðàçíîå ðåêëàìà ñàìà ðàáîòàþ â áàíêå ñâîèì ñïåöèàëèñòàì òâ Gender Gender Gender Gender Gender RESPONDENT'S GENDER 2966 1 Male 2 Female 99 Don't know 999 No answer Age Age Age Age Age HOW OLD ARE YOU? ______________ FULL YEARS 2966 18 91 45.197 17.586 Education Education Education Education Education YOUR EDUCATION? (ONE ANSWER) INTERVIEWER: (compare the quotas) 1600 1366 1 Primary or lower education 2 Incomplete secondary education 3 Secondary education (general or vocational school) 4 Special vocational education (technical college) 5 Incomplete higher education (at least 3 years of higher educational institution) 6 Higher education 99 Don't know 999 No answer Sysmiss Employment category Employment category Employment category Employment category Employment category WHICH GROUP OF EMPLOYEES DO YOU REFER YOURSELF TO BASED ON YOUR MAIN JOB? (SHOW CARD16, ONE ANSWER) 1600 1366 1 Qualified worker, including agriculture 2 Unqualified worker, including agriculture 3 Enlisted personnel in the army, interior forces, including police and security force 4 Business person, entrepreneur 5 Civil servant, public authority officer 6 Specialist with higher education in the manufacturing sector 7 Specialist with higher education outside the manufacturing sector (science, culture, education) 8 Employee without a higher education ( secretary, office worker, shop assistant) 9 Registered unemployed 10 Student 11 Pensioner, non working 12 Household worker (like a housewife) 13 Other group 99 Don't know 999 No answer Sysmiss Personal income (Rubles) Personal income (Rubles) Personal income (Rubles) Personal income (Rubles) Personal income (Rubles) WHAT WAS THE LEVEL OF YOUR EARNINGS, WAGES/SALARY IN YOUR MAIN JOB, INCLUDING BONUSES, VACATION BENEFITS, AND OTHER PAYMENTS (AFTER TAX DEDUCTIONS). (READ OUT, ONLY ONE ANSWER) 1600 1366 -99 Don't know/No answer 50 250 300 315 350 370 500 580 650 800 1000 1080 1200 1300 1400 1500 1600 1630 1660 1800 2000 2100 2300 2400 2500 2646 2700 2800 2872 2900 3000 3060 3070 3100 3150 3200 3300 3400 3462 3500 3600 3620 3700 3800 3900 4000 4072 4100 4150 4200 4250 4300 4400 4500 4560 4600 4700 4750 4800 4850 4900 5000 5120 5200 5300 5400 5500 5600 5700 5800 5950 6000 6200 6270 6300 6400 6500 6600 6700 6800 6900 6936 7000 7100 7200 7400 7500 7600 7800 8000 8100 8300 8400 8500 8900 9000 9500 9550 9700 10000 10500 11000 11500 12000 12100 13000 13500 14000 15000 15500 15700 16000 16500 16800 17000 18000 19000 20000 22000 23000 24000 25000 26000 27000 28000 29000 30000 31000 35000 38000 40000 45000 50000 55000 60000 75000 300000 Sysmiss Family income (Rubles) Family income (Rubles) Family income (Rubles) Family income (Rubles) Family income (Rubles) HOW MUCH MONEY ON AVERAGE DO ALL MEMBERS OF YOUR FAMILY GET PER MONTH FROM ALL SOURCES OF INCOME? (READ OUT, ONLY ONE ANSWER) 2966 -99 Don't know/No answer 900 1000 1080 1500 1660 1800 1804 2000 2100 2300 2500 2800 3000 3070 3150 3200 3400 3500 3600 3700 3800 3900 4000 4100 4200 4400 4500 4600 4700 4750 4800 4850 4900 5000 5100 5200 5300 5500 5600 5700 5800 6000 6270 6300 6500 6600 6700 6800 6900 7000 7200 7300 7400 7500 7700 7800 7900 8000 8200 8300 8350 8400 8500 8600 9000 9200 9300 9450 9500 9600 9700 9800 9900 10000 10400 10500 10900 11000 11500 12000 12500 12600 12800 13000 13500 14000 14200 14500 15000 15500 15600 16000 17000 17500 18000 19000 19500 20000 21000 22000 22200 23000 23500 23700 24000 25000 25300 26000 27000 28000 29000 30000 31000 32000 33000 34000 35000 35001 36000 37000 38000 39000 40000 41000 42000 43000 44000 45000 46000 47000 48000 50000 53000 55000 57000 58000 60000 65000 65500 70000 72000 75000 78000 80000 86000 90000 95000 100000 120000 130000 150000 200000 250000 People per household (including respondent) People per household (including respondent) People per household (including respondent) People per household (including respondent) People per household (including respondent) HOW MANY PEOPLE LIVE IN YOUR HOUSHOLD INCLUDING YOU PERSONALLY AND ALL CHILDREN? _________ PEOPLE 2966 1 2 3 4 5 6 7 8 10 11 12 Economic classification Economic classification Economic classification Economic classification Economic classification WHICH GROUP OF PEOPLE DO YOU THINK YOU BELONG TO (SHOW CARD, ONE ANSWER) 2966 1 We hardly make the ends meet, we do not have enough money even for food 2 We have enough money to buy food but buying clothes causes financial difficulties 3 We have enough money to buy food and clothes, but purchase of durable goods (a TV-set, a refrigerator) is problematic 4 We have no trouble buying durable goods, but purchase of a really expensive thing like a car is hard for us 5 We can afford quite expensive things - apartment, dacha, and many other ones 99 Don't know 999 No answer Do you have a bank card? Do you have a bank card? Do you have a bank card? Do you have a bank card? Do you have a bank card? Do you have a bank (plastic) card? < ONE CHOICE> 1366 1600 1 Yes 2 No 99 Don't know Sysmiss Reason received bank card Reason received bank card Reason received bank card Reason received bank card Reason received bank card What was the reason you received this bank card: <CAN ANSWER MORE THAN ONE CHOICE> 610 2356 1 For transferring on it a salary, pension 2 To use money from other bank deposits 3 To obtain credit 4 For cashless payment for goods and services 5 None of the above 6 Other (what exactly) 99 Don't know Sysmiss Reason received bank card Reason received bank card Reason received bank card Reason received bank card Reason received bank card What was the reason you received this bank card: <CAN ANSWER MORE THAN ONE CHOICE> 147 2819 1 For transferring on it a salary, pension 2 To use money from other bank deposits 3 To obtain credit 4 For cashless payment for goods and services 5 None of the above 6 Other (what exactly) 99 Don't know Sysmiss Reason received bank card Reason received bank card Reason received bank card Reason received bank card Reason received bank card What was the reason you received this bank card: <CAN ANSWER MORE THAN ONE CHOICE> 40 2926 1 For transferring on it a salary, pension 2 To use money from other bank deposits 3 To obtain credit 4 For cashless payment for goods and services 5 None of the above 6 Other (what exactly) 99 Don't know Sysmiss Reason received bank card Reason received bank card Reason received bank card Reason received bank card Reason received bank card What was the reason you received this bank card: <CAN ANSWER MORE THAN ONE CHOICE> 13 2953 1 For transferring on it a salary, pension 2 To use money from other bank deposits 3 To obtain credit 4 For cashless payment for goods and services 5 None of the above 6 Other (what exactly) 99 Don't know Sysmiss Reason received bank card Reason received bank card Reason received bank card Reason received bank card Reason received bank card What was the reason you received this bank card: <CAN ANSWER MORE THAN ONE CHOICE> 9 ?? ????????? ?? ????????? ?? ??? ??? ?????? ?? ??????? ??? ???????????? ???. ?????? ?? ???????? ??? ???????????? ???????? ?? ?????? ??? ???? ?? ??????????? ????? ?????? ?????? ???????????? ???? Year opened bank current or deposit account Year opened bank current or deposit account Year opened bank current or deposit account Year opened bank current or deposit account Year opened bank current or deposit account In what year did you first open a bank current or deposit account? < ONE CHOICE> 1367 1599 1 Rember the year 2 Never did not open 99 Don't know Sysmiss Year opened a current/deposit acc Year opened a current/deposit acc Year opened a current/deposit acc Year opened a current/deposit acc Year opened a current/deposit acc In what year did you first open a bank current or deposit account? < ONE CHOICE> 734 2232 1949 2009 1998.736 9.571 Do you have a bank account (other than plastic card) Do you have a bank account (other than plastic card) Do you have a bank account (other than plastic card) Do you have a bank account (other than plastic card) Do you have a bank account (other than plastic card) Do you have a bank current account or deposit account in the bank (except the plastic card account)? < ONE CHOICE> 907 2059 1 Yes 2 No 99 Don't know Sysmiss Did family withdraw foreign-denominated deposits in last 6 mths Did family withdraw foreign-denominated deposits in last 6 mths Did family withdraw foreign-denominated deposits in last 6 mths Did family withdraw foreign-denominated deposits in last 6 mths Did family withdraw foreign-denominated deposits in last 6 mths In the last six months, did your family withdraw any foreign-denominated deposits? < ONE CHOICE> 907 2059 1 Yes, has closed after the contract expiry of the term 2 Yes, has closed ahead of schedule 3 No 99 Don't know Sysmiss Will you continue to use current/deposit acc? Will you continue to use current/deposit acc? Will you continue to use current/deposit acc? Will you continue to use current/deposit acc? Will you continue to use current/deposit acc? Do you intend to continue to use current account or deposit account in banks? < ONE CHOICE> 907 2059 1 Yes 2 No 99 Don't know Sysmiss Interest rate paid on consumer loan Interest rate paid on consumer loan Interest rate paid on consumer loan Interest rate paid on consumer loan Interest rate paid on consumer loan If you still completely have not paid for consumer loan, approximately what is the interest rate you are paying on this loan? (If the respondent has several bank credits, to specify that rate which is the highest) < ONE CHOICE> 445 2521 1 Interest rate paid monthly or annually 2 The credit has paid 99 Don't know Sysmiss Interest rate paid on consumer loan Interest rate paid on consumer loan Interest rate paid on consumer loan Interest rate paid on consumer loan Interest rate paid on consumer loan If you still completely have not paid for consumer loan, approximately what is the interest rate you are paying on this loan? (If the respondent has several bank credits, to specify that rate which is the highest) < ONE CHOICE> 164 2802 75 19.805 9.916 Interest rate paid on consumer loan Interest rate paid on consumer loan Interest rate paid on consumer loan Interest rate paid on consumer loan Interest rate paid on consumer loan If you still completely have not paid for consumer loan, approximately what is the interest rate you are paying on this loan? (If the respondent has several bank credits, to specify that rate which is the highest) < ONE CHOICE> 34 2932 2 10000 1649.471 2819.193 Have you been informed of changes in fin terms in past 12 mths Have you been informed of changes in fin terms in past 12 mths Have you been informed of changes in fin terms in past 12 mths Have you been informed of changes in fin terms in past 12 mths Have you been informed of changes in fin terms in past 12 mths Have you been informed of any changes of the financial terms in the past 12 months? <CAN ANSWER MORE THAN ONE CHOICE> 238 2728 1 No 2 Yes, the interest rate has changed 3 Yes, the maturities has changed 4 Other (what exactly?) 99 Don't know Sysmiss Have you been informed of changes in fin terms in past 12 mths Have you been informed of changes in fin terms in past 12 mths Have you been informed of changes in fin terms in past 12 mths Have you been informed of changes in fin terms in past 12 mths Have you been informed of changes in fin terms in past 12 mths Have you been informed of any changes of the financial terms in the past 12 months? <CAN ANSWER MORE THAN ONE CHOICE> 1 ?????????? Does anyone owe family money Does anyone owe family money Does anyone owe family money Does anyone owe family money Does anyone owe family money Does anyone owe your family money? < ONE CHOICE> 1366 1600 1 Yes 2 No 99 Don't know Sysmiss What funds to live on in retirement What funds to live on in retirement What funds to live on in retirement What funds to live on in retirement What funds to live on in retirement What funds will you live on after you reach retirement age? <CAN ANSWER MORE THAN ONE CHOICE> 1366 1600 1 Pension from public retirement fund 2 Your own earnings 3 Income from leasing and selling property 4 Support from children, relatives, acquaintances 5 Pension from an entreprise 6 Your own savings 7 Support from church, charitable organizations 8 Pension from private retirement fund 9 Other (what exaclty?) 99 Don't know Sysmiss What funds to live on in retirement What funds to live on in retirement What funds to live on in retirement What funds to live on in retirement What funds to live on in retirement What funds will you live on after you reach retirement age? <CAN ANSWER MORE THAN ONE CHOICE> 644 2322 1 Pension from public retirement fund 2 Your own earnings 3 Income from leasing and selling property 4 Support from children, relatives, acquaintances 5 Pension from an entreprise 6 Your own savings 7 Support from church, charitable organizations 8 Pension from private retirement fund 9 Other (what exaclty?) 99 Don't know Sysmiss What funds to live on in retirement What funds to live on in retirement What funds to live on in retirement What funds to live on in retirement What funds to live on in retirement What funds will you live on after you reach retirement age? <CAN ANSWER MORE THAN ONE CHOICE> 157 2809 1 Pension from public retirement fund 2 Your own earnings 3 Income from leasing and selling property 4 Support from children, relatives, acquaintances 5 Pension from an entreprise 6 Your own savings 7 Support from church, charitable organizations 8 Pension from private retirement fund 9 Other (what exaclty?) 99 Don't know Sysmiss What funds to live on in retirement What funds to live on in retirement What funds to live on in retirement What funds to live on in retirement What funds to live on in retirement What funds will you live on after you reach retirement age? <CAN ANSWER MORE THAN ONE CHOICE> 33 2933 1 Pension from public retirement fund 2 Your own earnings 3 Income from leasing and selling property 4 Support from children, relatives, acquaintances 5 Pension from an entreprise 6 Your own savings 7 Support from church, charitable organizations 8 Pension from private retirement fund 9 Other (what exaclty?) 99 Don't know Sysmiss What funds to live on in retirement What funds to live on in retirement What funds to live on in retirement What funds to live on in retirement What funds to live on in retirement What funds will you live on after you reach retirement age? <CAN ANSWER MORE THAN ONE CHOICE> 3 2963 1 Pension from public retirement fund 2 Your own earnings 3 Income from leasing and selling property 4 Support from children, relatives, acquaintances 5 Pension from an entreprise 6 Your own savings 7 Support from church, charitable organizations 8 Pension from private retirement fund 9 Other (what exaclty?) 99 Don't know Sysmiss Which is the riskier asset Which is the riskier asset Which is the riskier asset Which is the riskier asset Which is the riskier asset Which is the riskier asset to invest in? < ONE CHOICE> 1366 1600 1 Shares in a single company stock 2 Shares in a unit fund 3 Risks are identical in both cases 99 Don't know Sysmiss How often banks stock market discussed growing up How often banks stock market discussed growing up How often banks stock market discussed growing up How often banks stock market discussed growing up How often banks stock market discussed growing up How often were banks, the stock market, and the fact that people are now in charge of their own financial security in the future discussed in the television, radio and the newspapers when you were growing up and were a young adult? < ONE CHOICE> 1366 1600 1 Very often 2 Often 3 Not very often 4 Rarely 5 Not at all 99 Don't know Sysmiss How has family fin situation changed last 12 mths How has family fin situation changed last 12 mths How has family fin situation changed last 12 mths How has family fin situation changed last 12 mths How has family fin situation changed last 12 mths How has the financial situation of your family changed in the last 12 months? < ONE CHOICE> 1366 1600 1 Greatly improved 2 Slightly improved 3 Has not changed 4 Slightly worsened 5 Greatly worsened 99 Don't know Sysmiss How will family fin sit change next 12 mths How will family fin sit change next 12 mths How will family fin sit change next 12 mths How will family fin sit change next 12 mths How will family fin sit change next 12 mths How will the financial situation of your family change in the next 12 months? < ONE CHOICE> 1366 1600 1 Greatly improved 2 Slightly improved 3 Has not changed 4 Slightly worsened 5 Greatly worsened 99 Don't know Sysmiss Describe current debt position Describe current debt position Describe current debt position Describe current debt position Describe current debt position Which of the following best describes your current debt position? < ONE CHOICE> 1366 1600 1 I have too much debt now 2 I have about the right amount of debt now 3 I have to little debt right now and I wish I could get more 4 I don't have any debts 99 Don't know Sysmiss Have you experienced sharp increase in late payment penalties for credit card Have you experienced sharp increase in late payment penalties for credit card Have you experienced sharp increase in late payment penalties for credit card Have you experienced sharp increase in late payment penalties for credit card Have you experienced sharp increase in late payment penalties for credit card In the past 12 months, have you experienced a sharp increase in penalties for delay in payments by credit cards? < ONE CHOICE> 1366 1600 1 Don't have credit card 2 Yes 3 No 99 Don't know Sysmiss Do credit bureaus exist in Russia Do credit bureaus exist in Russia Do credit bureaus exist in Russia Do credit bureaus exist in Russia Do credit bureaus exist in Russia Whether exist in Russia of credit bureaus? < ONE CHOICE> 1366 1600 1 Yes 2 No 99 Don't know Sysmiss Do you know what a credit bureau is Do you know what a credit bureau is Do you know what a credit bureau is Do you know what a credit bureau is Do you know what a credit bureau is Do you know what the credit bureau is? < ONE CHOICE> 1366 1600 1 Yes, I know 2 Something heard about it 3 I know nothing 99 Don't know Sysmiss Specify on scale the approx family income last mth (1-18) Specify on scale the approx family income last mth (1-18) Specify on scale the approx family income last mth (1-18) Specify on scale the approx family income last mth (1-18) Specify on scale the approx family income last mth (1-18) Could you specify on an offered scale what approximately the income of your family was last month? < ONE CHOICE> 1366 1600 1 Less than 2000 rubles 2 From 2001 to 4,000 rubles 3 From 4,001 to 6,000 rubles 4 From 6,001 to 8,000 rubles 5 From 8,000 to 10,000 rubles 6 From 10,001 to 15,000 rubles 7 From 15,001 to 20,000 rubles 8 From 20,001 to 25,000 rubles 9 From 25,001 to 30,000 rubles 10 From 30,001 to 40,000 rubles 11 From 40,001 to 50,000 rubles 12 From 50,001 to 60,000 rubles 13 From 60,001 to 70,000 rubles 14 From 70,001 to 80,000 rubles 15 From 80,001 to 90,000 rubles 16 From 90,001 to 100,000 rubles 17 From 100,001 to 120,000 rubles 18 Over 120,000 rubles 99 Don't know Sysmiss