$FL2@(#) SPSS DATA FILE MS Windows Release 13.0 spssio32.dll Y@21 Jan 1112:46:55 V1 Number of questionnaire V1A Oblast VB Settlement type V2 DateV12 9A1. Do you consider yourself financially literate person? V13 P2. What is your primary consideration in choosing a bank from which to borrow? V14 q3. What is your primary consideration in choosing a bank in which to keep a current account or savings account? V15 54. When do you think buying on credit is justified? V16_01 z5. the most interesting to learn about_How to form one's own financial targets and draw a personal current financial plan V16_02 AWhat to do not to get up to one's neck in debt when using credits V16_03 hHow to plan purchases of durables (car, apartment, dacha) and evaluate one's abilities to implement themV16_04 ^How does the pension scheme work and what methods are available to secure one's old age income V16_05 GBanking services - current accounts, saving deposits, and plastic cards V16_06 /Consumer credits to purchase goods and services V16_07 Mortgage loans V16_08 !Insurance and insurance products V16_09 Private pension funds V16_10 +Capital markets, stock and unit fund shares V16_11 Sources of information on financial services, how to interpret the information and how to differentiate the advertising information from the objective one V16_12 `What parameters are used to compare the services offered by banks and other financial companies V16_13 sWhat consumer rights protection laws are available and what one needs to do when one's consumer rights are violated V16_14 pWhat information should a user pay attention to when signing a contract with a bank or another financial companyV16_15 )I am not interested in any of such topics V16_16 Other V16_17 +I find it difficult to answer this question V16_18 Refusal V17_01 {A6. What kind of organization do you think should be conducting financial literacy programs for consumers_A commercial bank V17_02 'Pension fund and/or insurance companies V17_03 /Investment funds (assets management companies) V17_04 [Non-government organizations or public organizations involved in consumer rights protection V17_05 ,Government entities regulating these marketsV17_06 ?Higher education institutions of economic and financial profile V17_07 !Independent financial consultants V17_08 *Mass media (journalists and TV presenters) V17_09 Other V17_10 ,I find it difficult to answer this question V17_11 Refusal V18_01 47. Get additional information about_Consumer creditV18_02 Bank current accountV18_03 Band deposit account V18_04 Currency exchange V18_05 Bank plastic card V18_06 Mortgage loan V18_07 Insurance policies V18_08 Investments in unit funds V18_09 Investments in companies' stock V18_10 Investments in corporate bonds V18_11 Private pension fund policies V18_12 None of the above V18_13 Other V18_14 +I find it difficult to answer this question V18_15 Refusal V19 1. Let's assume that you deposited 100,000 hrivnias in a bank account for 2 years at 8% interest rate. How much money will you have in your account in 2 years f you do not withdraw from or add to this account any money?V20 2. Let's assume that you deposited 100,000 hrivnias in a bank account for 5 years at 10% interest rate. How much money will you have in your account in 5 years if you V21 3. Imagine, than you deposited the money in a bank account at 8% annual 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 ye V22 4. Let's assume that in 2011 your income is twice as now, and the consumer prices also grow twofold. Do you think that in 2011 you will be able to buy more, less, or the same amount of goods and services as today? V23 5. 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 hrivnias. One shop offered a discount of 1,500 hrivnias, while the other one offered a 10% discount. Which one is a better V24 6. Let's assume that you took a bank credit of 10,000 hrivnias to be paid back during a year in equal monthly payments. The credit charge is 600 hrivnias. V25 7. Let's assume you have purchased a bond with face value of 1000 hrivnias for 900 hrivnias. The bond would expire in a year and bring you a coupon of 150 hrivnias. If you would hold the bond till maturity, can you estimate what return you would enjoy V26 1. If a citizen has a deposit in a regular Ukrainian commercial bank and this bank becomes bankrupt, do you know what maximum level of a deposit is entirely guaranteed? V27 2. If a citizen has invested into an investment fund or assets management company, and the value of investment plummeted because of a large scale financial crisis, what is an approximate level of losses covered by the state? V28 3. If a citizen has deposit in a credit union, and this union becomes bankrupt, do you know what maximum level of a deposit is entirely guaranteed by the state? V29 4. If a citizen has risk insurance ( other than third-party motor responsibility) from an insurance company, and this company goes bankrupt, do you know what happens to the purchased insurance? V30 E5. What should the banks do under the current Ukrainian legislation? V31 ?6. Do you know the difference between life and risk insurance? V32 =7. Do you know the difference between credit and debit card? V33 $8. Do you know what is "franchise"?V34 m9. Does Ukrainian legislation allow a bank or any other lender to charge you compound interest on your loan? V35 {10. Does Ukrainian legislation allow a bank or any other deposit institution to pay you compound interest on your deposit? V36_01 11. Wich form the below explains the difference between a share and bond_Share represents an investment into statutory fund, whereas bond does not V36_02 <Bond can be bought back by the issuer, whereas share can notV36_03 aCommon share has no guaranteed level of income, whereas bonds can have fixed and variable returns V36_04 FBonds can be sold at the secondary market, whereas some shares can not V36_05 ZBonds can be held by individuals and companies, whereas shares only by corporate investors V36_06 :Shares can be pledges as collateral, whereas bonds can not V36_07 hThere is no difference between shares and bonds; these are just different names for the same instrumentsV36_08 OTHER V36_09 +I find it difficult to answer this question V36_10 Refusal V37 F1. Is your family used to keeping records of income and expenditures? V38 2. 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)? V39 z3. If you (your family) have/has any money left right before the next revenue arrives, what would you usually do with it? V40 4. 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.)? V41 e5. What do you usually do when you (your family) run(s) out of money before the next income arrives? V42 r6.Did you (your family) experience an unexpected significant reduction of your income over the last three years? V43 ]7.Hhow did you (your family) manage to make the ends meet when your income suddenly dropped? V44 i8. How often during the last year you (your family members) had to borrow to pay back your other debts? V45 d9. What phrase out of the ones given below describes best your individual life insurance situation?V46 X10. What changes in the financial markets do you follow personally on a regular basis? V47_01 W11. What sources do you use to get information about the above tendencies?_Advertising V47_02 CNewspapers, magazines, TV programs specializing on financial issues V47_03 Specialized web sites V47_04 cBank officers, employees of insurance and management companies, during a personal visit or by phone V47_05 ,Independent financial consultants or brokersV47_06 Friends and acquaintances V47_07 From other sources V47_08 +I find it difficult to answer this question V47_09 Refusal V48 E12. Did you have a bad experience in purchasing a financial service? V49 !13. What kind of service was it? V50 614. What did you do after you discovered the problem? V51 15. If a conflict with a financial organization (bank, insurance company or the like) arises regarding the provision of financial services to you, on what terms do you expect it to be resolved? V52 J16. How do you (does your family) usually manage your everyday revenues? V53_01 17. People save or invest for different reasons. What are your (your family's) personal reasons to have made savings or investments?_For a rainy day, for unexpected expenses V53_02 For retirement V53_03 MTo get income in the form of interest, increased market value of assets, etc. V53_04 *To leave something for children to inherit V53_05 -To increase my living standards in the future V53_06 )I like saving rather than spending money V53_07 .To be independent and be able to make choices V53_08 "To speculate on the stock exchange V53_09 0No particular reason, this is a family traditionV53_10 Other V53_11 ,I find it difficult to answer this question V53_12 Refusal V54_01 l18. If you (your family) do/does not make savings, what is the reason?_I don't trust financial institutionsV54_02 )I cannot do this because of a low income V54_03 (I don't see the point in making savings V54_04 >I cannot resist the temptation to spend the money on shopping V54_05 Other V54_06 ,I find it difficult to answer this question V54_07 Refusal V55_01 W19. What financial services from the given below do or your family members use?_A loan V55_02 A bank deposit V55_03 Currency exchange V55_04 (Bank account or/and a bank plastic card V55_05 An life insurance policy V55_06 8An risk insurance policy (including collision insurance)V55_07 EInvestment into investments found/ or into Asset Management companies V55_08 &A contract with a private pension fund V55_09 A stock V55_10 Leasing V55_11 Remittance V55_12 Public utilities payments V55_13 ;Payments accomplishment through terminals for charge cards V55_14 Mobile and/or internet-banking V55_15 Other services V55_16 none of the above V55_17 +I find it difficult to answer this question V55_18 Refusal V56_01 20. What financial services of the listed above do you personally plan to use in the near 2 years?_A loan (consumer, mortage, car) V56_02 A bank deposit V56_03 Currency exchange V56_04 (Bank account or/and a bank plastic card V56_05 n life insurance policy V56_06 8An risk insurance policy (including collision insurance)V56_07 EInvestment into investments found/ or into Asset Management companies V56_08 &A contract with a private pension fund V56_09 A stock V56_10 Leasing V56_11 Remittance V56_12 Public utilities payments V56_13 :Payments accomplishment through terminals for charge cards V56_14 Mobile and/or internet-banking V56_15 Other services V56_16 none of the above V56_17 +I find it difficult to answer this question V56_18 Refusal V57 21. How often do you compare the terms and conditions for provision of financial services by various companies before you buy such a service? V58_01 u22. What sources of information do you pay attention to when choosing a company to buy a service from?_Advertisement V58_02 AAdvice of consultants working for providers of a required service V58_03 [Information materials of financial companies on their tariffs and services of various types V58_04 ?Recommendations of independent financial consultants or brokers V58_05 Advice of friends and relatives V58_06 ,Analytical materials published in mass mediaV58_07 Employer's advice V58_08 Internet resources V58_09 Other sources V58_10 ,I find it difficult to answer this question V58_11 Refusal V58_12 Personal experience V59_01 23. In case of a dispute with a financial institution concerning a financial product you have purchased from this institution, which organization you can appeal to help you to protect your consumer rights?_The National Bank of Ukraine V59_02 =The State Commission on Regulation Financial Services Markets V59_03 )The State Committee on Consumer Standards V59_04 The Office of Ombudsman V59_05 !Any court of general jurisdiction V59_06 JIt depends on the type of financial institution and / or financial product V59_07 Other V59_08 +I find it difficult to answer this question V59_09 Refusal V59_10 NoneV60 ,24. Do you know what is a "credit history"?V61 725. Do you know what is a "floating rate of interest"? V62 26. If your friend asked you to be a guarantor on his or her loan, and you have agreed to this proposal, what kind of liability you might encounter? V63 1. Gender V64 2. Age V65 3. Education V66 4. Employment status V67 5.1 Income_Amount V68 5.2 Income_codeV69 6. Income per household member V70 7. Household size X@V71 =8 How do you assess the financial situation in your family? V72 9. Population groupe by income V73 210. How much money do you save each month?_Amount V74 +10.2 How much money saves each month?_code V75 12. Availability of debt V76 T13 How much of your family income is left each month after paying back debt?_AmountV77 113.2 Balance after payment of monthly debt?_code V78 +14.Part of family income to debt repayment ?Republic of Crimea @Kyiv @ Kyiv region @Vinnytsia region @ Volyn region @Dnipropetrovsk region @Donetsk region @Zhitomir region "@Zakarpattia region $@Zaporizhia region &@Ivano-Frankivsk region (@Kirovograd region *@Lugansk region ,@ Lviv region .@Mykolaiv region 0@ Odesa region 1@Poltava region 2@ Rivne region 3@ Sumy region 4@Ternopil region5@Kharkiv region 6@Kherson region 7@Khmelnitsky region 8@Cherkasy region9@Chernivtsi region :@Chernigiv region ?)city with a population of over 1 million @-city with a population 500 000-999 999 inhab. @/city with a population 100 000 - 499 999 inhab.@-city with a population 50 000 - 99 999 inhab. @-city with a population 20 000 - 49 999 inhab. @.city with a population less than 20 000 inhab. @ urban village ?No knowledge and skills @$Unsatisfactory knowledge and skills @"Satisfactory knowledge and skills @Good knowledge and skills @Excellent knowledge and skills @Other V@+I FIND IT DIFFICULT TO ANSWER THIS QUESTION X@REFUSAL ?,Bank's reputation (fame) and its reliability @*View of the bank office and its equipment @Qualifications of its personnel@4Positive experience with the bank @(Credit interest rate and the credit cost @Gifts and advertising campaigns@Other V@!I CANNOT ESTIMATE IT EVEN ROUGHLY X@REFUSAL ?,Bank's reputation (fame) and its reliability @*View of the bank office and its equipment @Qualifications of its personnel@6Relatives or friends Positive experience with the bank @Advertised interest ratest @Gifts and advertising campaigns@Other V@!I CANNOT ESTIMATE IT EVEN ROUGHLY X@REFUSAL ?(If a shop has sales for the goods I need @?It is void, or no longer valid @