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Financial Literacy and Financial Services Survey 2011

Bosnia and Herzegovina, 2011
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Reference ID
BIH_2011_FLFS_v01_M
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IPSOS
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DDI/XML JSON
Created on
Dec 20, 2012
Last modified
Mar 29, 2019
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  • Study Description
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  • World_Bank_BIH_FinLit_Survey

Data file: World_Bank_BIH_FinLit_Survey

1. Variables P4 (Interviewer's name and surname) and P5 (Coordinator's name and surname) have been replaced by digits due to privacy protection reasons

2. Responses for Tables A to D have not been tracked in the dataset

3. For multiple choice questions, each selection made by the individual is saved as a unique variable. For instance, question P11 allowed for multiple choices and if a person selected 3 of the given options, each of his choice will be a saved as P11_1, P11_2 and P11_3 respectively. For the same question, if another person selected only two items, his choices will be saved under P11_1 and P11_2 while the third variable P11_3 will indicate a missing value (.). If the respondent answered the multiple response question with "Don't know", then only the first variable P11_1 will be accordingly coded (99). All the other multiple responses variables will be coded as a missing value (.) for this respondent.

4. The highest number of household members is 7. All variables (Age, Sex, Education, Financial products) which were supposed to capture information about household members 8-12 are therefore dropped from the dataset.

5. Variables which should capture information about the nationality of all household members (Nat_01-Nat_07) were not collected. Though, the variable Nat indicates the main respondent's ethnicity.

Cases: 1036
Variables: 341

Variables

HH_ID
Household ID
RIM_W
RIM_W. RIM Weights
P_1
Exact time of the survey start: hour, minute
P_2
Ordinal number of the survey
P_3
Date of the survey
P_4
Interviewer's ID
P_5
Coordinators's ID
P_6
Neighbourhood
P_7
Starting point code
P_7a
starting point code
P_8
Type of settlement
P_9
Settlement size
P_10
Region
Entity
Entity
O1
O1. Note down the number of people that you contacted from the last conducted int
O2_1x1
O2_1x1. Too busy, has no time, has other obligations (No. of people)
O2_1x2
O2_1x2. Poor health condition (No. of people)
O2_1x3
O2_1x3. Not competent, doesn't know, doesn't want to talk (No. of people)
O2_1x4
O2_1x4. Expresses fear, doesn't want to intrude on his privacy (No. of people)
O2_1x5
O2_1x5. Has already been surveyed, does not trust surveys…etc (No. of people)
O2_1x6
O2_1x6. Other (No. of people)
O2_2x1
O2x2. Gender of the person who has refused: Male (No. of people)
O2_2x2
O2x2. Gender of the person who has refused: Female (No. of people)
O2_3x1
O2x3. Age of the person who has refused: Up to 30 years (No. of people)
O2_3x2
O2x3. Age of the person who has refused: 31 - 50 years (No. of people)
O2_3x3
O2x3. Age of the person who has refused: 50 years or more (No. of people)
O3
O3. In between the last interview and this one, how many addresses have you been
P1
P1. In general, how satisfied are you with your life nowadays?
P2
P2. How do you think your life is going to be over the next 12 months?
P3a
P3a. How often do you...Read the newspapers sold in the whole entity/state
P3b
P3b. How often do you...Read the local/regional or cantonal newspapers
P3c
P3c. How often do you...Listen to radio stations broadcasted on whole entity/sta
P3d
P3d. How often do you...Listen to local or regional/cantonal radio stations
P3e
P3e. How often do you...Watch entity TV programs or the state public service
P3f
P3f. Watch the local/regional or cantonal TV programs
P4a
P4a. Can you use a computer?
P4b
P4b. How often do you use the Internet including e-mail (electronic mail)
P4c
P4c. How often do you read news at Internet portals
P5a
P5a. How much do you trust…Central Bank of BiH
P5b
P5b. How much do you trust…BiH commercial banks
P5c
P5c. How much do you trust…Insurance companies
P5d
P5d. How much do you trust…Brokerage Houses
P5e
P5e. How much do you trust…Microcredit organizations
P5f
P5f. How much do you trust…Leasing companies
P5g
P5g. How much do you trust…Deposit Insurance Agency
P5h
P5h. How much do you trust…Banking Agency of FBiH/RS
P5i
P5i. How much do you trust…Securities Commission of FBiH/RS
P5j
P5j. How much do you trust…The Consumer Protection Ombudsman Institution in BiH
P5k
P5k. How much do you trust…Convertible Mark, the national currency
P5l
P5l. How much do you trust…Fund management companies
P6a
P6a. Assess the quality of financial services offered by…Commercial banks
P6b
P6b. Assess the quality of financial services offered by…Insurance companies
P6c
P6c. Assess the quality of financial services offered by…Microcredit organizatio
P6d
P6d. Assess the quality of financial services offered by…Brokerage Houses
P7a
P7a. In a conflict with a fin. org....How sure are you in a quick resolution
P7b
P7b. In a conflict with a fin. org....How sure are you in a just resolution
P8
P8. What deserves primary attention when one chooses the bank to take a loan fro
P9
P9. If you considered taking a loan from a bank, what would you prefer?
P10
P10. When taking a loan from a bank, what would you give more importance to...?
P11_1
P11. When do you think buying on credit is justified?
P11_2
P11. When do you think buying on credit is justified?
P11_3
P11. When do you think buying on credit is justified?
P11_4
P11. When do you think buying on credit is justified?
P12a
P12a. Do you follow...Changes in the property market
P13a
P13a. What is the main source of information:
P12b
P12b. Do you follow...Changes in market indices
P13b
P13b. What is the main source of information:
P12c
P12c. Do you follow...Changes of deposit interest rates
P13c
P13c. What is the main source of information:
P12d
P12d. Do you follow...Changes of loan interest rates
P13d
P13d. What is the main source of information:
P12e
P12e. Do you follow...Changes in the inflation rate
P13e
P13e. What is the main source of information:
P12f
P12f. Do you follow...Changes in pensions, benefits and tax exemptions
P13f
P13f. What is the main source of information:
P12g
P12g. Do you follow...Price fluctuations for oil, gold, metals, etc.
P13g
P13g. What is the main source of information:
P14
P14. Are you aware of the activities of the Consumer Protection Ombudsman Institu
P15a
P15a. How often did you...Bank officers or bankers
P15b
P15b. How often did you...Representatives of insurance companies
P15c
P15c. How often did you...Representatives of the brokerage houses
P15d
P15d. How often did you...Independent financial advisers or brokers
P15e
P15e. How often did you...Representatives of microcredit organizations
P16
P16. When you meet your relatives, colleagues, friends, how often do you talk abo
P17_1
P17_1. Which of the following...most suitable to deliver financial literacy
P17_2
P17_2. Which of the following...most suitable to deliver financial literacy
P17_3
P17_3. Which of the following...most suitable to deliver financial literacy
P18a
P18a. Which of the following...How to establish financial targets
P18b
P18b. Which of the following...What to do not to overindebted
P18c
P18c. Which of the following...How to plan purchases of durables
P18d
P18d. Which of the following...How does the pension scheme work
P18e
P18e. Which of the following...Banking services
P18f
P18f. Which of the following...Consumer credits
P18g
P18g. Which of the following...Mortgage loans
P18h
P18h. Which of the following...Insurance and related products
P18i
P18i. Which of the following...Capital markets, stock and investment funds
P18j
P18j. Which of the following...Sources of information on financial services
P18k
P18k. Which of the following...What parameters are used to compare bank services
P18l
P18l. Which of the following...What consumer protection laws are available
P18m
P18m. Which of the following...What information should a user pay attention to
P19
P19 How often do you compare the terms and conditions for provision of financial
P20_1
P20_1. What sources of information...when choosing a company to buy services fro
P20_2
P20_2. What sources of information...when choosing a company to buy services fro
P20_3
P20_3. What sources of information...when choosing a company to buy services fro
P20_4
P20_4. What sources of information...when choosing a company to buy services fro
P20_5
P20_5. What sources of information...when choosing a company to buy services fro
P20_6
P20_6. What sources of information...when choosing a company to buy services fro
P20_7
P20_7. What sources of information...when choosing a company to buy services fro
P20_8
P20_8. What sources of information...when choosing a company to buy services fro
P21
P21. How would you assess the level of your financial literacy?
P22
P22. Let’s assume you deposited 10,000 KM in a bank account at 8% annual interest
P23
P23. Let’s assume that you deposited 10,000 KM in a bank account at 10% annual in
P24
P24. Imagine that you deposited money in a bank account at 8% interest rate, whil
P25
P25. Let’s assume that in 2012 your income is twice as now, and the consumer pric
P26
P26. Let’s assume that you saw a TV-set of the same model on sale in two differen
P27
P27. Let’s assume that you took a bank loan of 10,000 KM to be paid back during a
P28
P28. If a citizen has a deposit in a Bosnian bank and this bank goes bankrupt, do
P29
P29. If a citizen owns shares in the investment fund, and the value of shares plu
P30_1
P30_1. In which of the...should individual financial market losses be compensate
P30_2
P30_2. In which of the...should individual financial market losses be compensate
P30_3
P30_3. In which of the...should individual financial market losses be compensate
P30_4
P30_4. In which of the...should individual financial market losses be compensate
P31
P31. Which of the following statements correctly describes the role of a guaranto
P32
P32. Which of the following statements correctly describes the role of a promisso
P33
P33. Does the loan currency clause reduce more the risk of the bank or of the bor
P34
P34. Is a revolving credit card the same as the credit card?
P35
P35. Is the following statement true or false: ‘going in red’ on the current acco
P36
P36. In your family do you usually have a financial plan, thus you know how to co
P37
P37. Is your family used to keeping records of income and expenditures?
P38a
P38a. How often...had money unspent from month to month
P38b
P38b. How often...remained without money from month to month
P38c
P38c. How often...spent in a month exactly the money earned in the previous mont
P39a
P39a. When household has unspent money...We spend it on consumer goods
P39b
P39b. When household has unspent money...We keep it in cash
P39c
P39c. When household has unspent money...We deposit or don't withdraw it
P39d
P39d. When household has unspent money...We invest it in the capital market
P39e
P39e. When household has unspent money...We lend it to friends or relatives
P39f
P39f. When household has unspent money...We invest it in our own business
P39g
P39g. When household has unspent money...We invest it in gold and jewellery
P39h
P39h. When household has unspent money...We use it to reduce old debt
P39i
P39i. When household has unspent money...We use it for basic needs
P39j
P39j. When household has unspent money...We spend it for children’s education
P39k
P39k. When household has unspent money...We spend it on health care
P39l
P39i. Is there any other way how you dispose with money from the previous month a
P40a
P40a. When household runs out of money...We cut down expenses
P40b
P40b. When household runs out of money...We borrow money from relatives, etc
P40c
P40c. When household runs out of money...We buy on credit from shops
P40d
P40d. When household runs out of money...We borrow from non-banking fin. inst.
P40e
P40e. When household runs out of money...We pawn jewellery or other goods
P40f
P40f. When household runs out of money...We spend our savings in KM
P40g
P40g. When household runs out of money...We spend our savings in foreign currenc
P40h
P40h. When household runs out of money...We use a credit card
P40i
P40i. When household runs out of money...We work extra hours or additional jobs
P40j
P40j. Is there any other way that you get by when you run out of money in between
P41_1
P41_1. Please tell...reason for families you know who suddenly had fin. problems
P41_2
P41_2. Please tell...reason for families you know who suddenly had fin. problems
P41_3
P41_3. Please tell...reason for families you know who suddenly had fin. problems
P41_4
P41_4. Please tell...reason for families you know who suddenly had fin. problems
P41_5
P41_5. Please tell...reason for families you know who suddenly had fin. problems
P42
P42. Did you household experience an unexpected significant reduction of your inc
P42A_a
P42A_a. What was the reason…Loss of employment due to economic crisis
P42A_b
P42A_b. What was the reason…Loss of employment because of an accident, illness,
P42A_c
P42A_c. What was the reason…Considerable reduction of salary/delay of wage payme
P42A_d
P42A_d. What was the reason…Breakup, separation or divorce
P42A_e
P42A_e. What was the reason…Retirement of the main breadwinner
P42A_f
P42A_f. What was the reason…Other (STATE WHAT REASON)
P42A_f_other
P42A_f. Other...(verbatim)
P42B_a
P42B_a. How did you manage…We cut down costs
P42B_b
P42B_b. How did you manage…We borrowed money from relatives, friends, etc.
P42B_c
P42B_c. How did you manage…We bought on credit from shops
P42B_d
P42B_d. How did you manage…We borrowed from non-banking financial institutions
P42B_e
P42B_e. How did you manage…We pawned jewellery or other goods
P42B_f
P42B_f. How did you manage…We spent our savings in KM
P42B_g
P42B_g. How did you manage…We exchanged our foreign currency savings to KM
P42B_h
P42B_h. How did you manage…We used a credit card
P42B_i
P42B_i. How did you manage…We worked extra hours or additional jobs
P42B_j
P42B_j. How did you manage....Other...
P42B_j_other
P42B_j. Other...(verbatim)
P43
P43. How often during the last 12 months your household had to borrow to pay back
P44A
P44. Would you please say whether your household has any debts now apart from lon
P44B
P44B. Comparing to your total monthly household income, approximately how much mo
P45_1
P45. Let’s assume that in addition to your regular income your family receives 25
P45_2
P45. Let’s assume that in addition to your regular income your family receives 25
P45_3
P45. Let’s assume that in addition to your regular income your family receives 25
P46
P46. Which of the following statements best describes your situation?
P46A
P46A. Comparing to your total monthly household income, approximately how much ar
P46B_1
P46B. 1. What are the reasons to have made savings
P46B_2
P46B. 2. What are the reasons to have made savings
P46B_3
P46B. 3. What are the reasons to have made savings
P46B_4
P46B. 4. What are the reasons to have made savings
P46B_5
P46B. 5. What are the reasons to have made savings
P46B_6
P46B. 6. What are the reasons to have made savings
P47_1
P47.1.What are the reasons for not saving at all?
P47_2
P47.2.What are the reasons for not saving at all?
Agegroup
Age: (18-24) (35-34) (35-44) (45-54) (55-64)
Sex_01
Resp. 1. Sex
Age_01
Resp. 1. Age
Nive_01
Resp. 1. Highest level of education achieved
Stocupan_01
Resp. 1. Main occupational status in the present
Sex_02
Resp. 2. Sex
Age_02
Resp. 2. Age
Nive_02
Resp. 2. Highest level of education achieved
Stocupan_02
Resp. 2. Main occupational status in the present
Sex_03
Resp. 3. Sex
Age_03
Resp. 3. Age
Nive_03
Resp. 3. Highest level of education achieved
Stocupan_03
Resp. 3. Main occupational status in the present
Sex_04
Resp. 4. Sex
Age_04
Resp. 4. Age
Nive_04
Resp. 4. Highest level of education achieved
Stocupan_04
Resp. 4. Main occupational status in the present
Sex_05
Resp. 5. Sex
Age_05
Resp. 5. Age
Nive_05
Resp. 5. Highest level of education achieved
Stocupan_05
Resp. 5. Main occupational status in the present
Sex_06
Resp. 6. Sex
Age_06
Resp. 6. Age
Nive_06
Resp. 6. Highest level of education achieved
Stocupan_06
Resp. 6. Main occupational status in the present
Sex_07
Resp. 7. Sex
Age_07
Resp. 7. Age
Nive_07
Resp. 7. Highest level of education achieved
Stocupan_07
Resp. 7. Main occupational status in the present
Ocp_01
Person. 1. Main occupation of household member
Ven_01
Person. 1. Main source of income
Ocp_02
Person. 2. Main occupation of household member
Ven_02
Person. 2. Main source of income
Ocp_03
Person. 3. Main occupation of household member
Ven_03
Person. 3. Main source of income
Ocp_04
Person. 4. Main occupation of household member
Ven_04
Person. 4. Main source of income
Ocp_05
Person. 5. Main occupation of household member
Ven_05
Person. 5. Main source of income
Ocp_06
Person. 6. Main occupation of household member
Ven_06
Person. 6. Main source of income
Ocp_07
Person. 7. Main occupation of household member
Ven_07
Person. 7. Main source of income
Veng
Last month (January, 2011), the total amount received from salaries, pensions, ch
Venp
And the total amount received by the respondent in KM was approximately
Sf1_01
SF1 - Which of listed financial services/products do you personally use in a bank
Sf2_01
SF1 - Which of listed financial services/products do you personally use in a bank
Sf3_01
SF1 - Which of listed financial services/products do you personally use in a bank
Sf4_01
SF1 - Which of listed financial services/products do you personally use in a bank
Sf5_01
SF1 - Which of listed financial services/products do you personally use in a bank
Sf6_01
SF1 - Which of listed financial services/products do you personally use in a bank
Sf1_02
SF1 - Which of listed financial services/products do you personally use in a bank
Sf2_02
SF1 - Which of listed financial services/products do you personally use in a bank
Sf3_02
SF1 - Which of listed financial services/products do you personally use in a bank
Sf4_02
SF1 - Which of listed financial services/products do you personally use in a bank
Sf5_02
SF1 - Which of listed financial services/products do you personally use in a bank
Sf6_02
SF1 - Which of listed financial services/products do you personally use in a bank
Sf1_03
SF1 - Which of listed financial services/products do you personally use in a bank
Sf2_03
SF1 - Which of listed financial services/products do you personally use in a bank
Sf3_03
SF1 - Which of listed financial services/products do you personally use in a bank
Sf4_03
SF1 - Which of listed financial services/products do you personally use in a bank
Sf5_03
SF1 - Which of listed financial services/products do you personally use in a bank
Sf6_03
SF1 - Which of listed financial services/products do you personally use in a bank
Sf1_04
SF1 - Which of listed financial services/products do you personally use in a bank
Sf2_04
SF1 - Which of listed financial services/products do you personally use in a bank
Sf3_04
SF1 - Which of listed financial services/products do you personally use in a bank
Sf4_04
SF1 - Which of listed financial services/products do you personally use in a bank
Sf5_04
SF1 - Which of listed financial services/products do you personally use in a bank
Sf6_04
SF1 - Which of listed financial services/products do you personally use in a bank
Sf1_05
SF1 - Which of listed financial services/products do you personally use in a bank
Sf2_05
SF1 - Which of listed financial services/products do you personally use in a bank
Sf3_05
SF1 - Which of listed financial services/products do you personally use in a bank
Sf4_05
SF1 - Which of listed financial services/products do you personally use in a bank
Sf5_05
SF1 - Which of listed financial services/products do you personally use in a bank
Sf6_05
SF1 - Which of listed financial services/products do you personally use in a bank
Sf1_06
SF1 - Which of listed financial services/products do you personally use in a bank
Sf2_06
SF1 - Which of listed financial services/products do you personally use in a bank
Sf3_06
SF1 - Which of listed financial services/products do you personally use in a bank
Sf4_06
SF1 - Which of listed financial services/products do you personally use in a bank
Sf5_06
SF1 - Which of listed financial services/products do you personally use in a bank
Sf6_06
SF1 - Which of listed financial services/products do you personally use in a bank
Sf1_07
SF1 - Which of listed financial services/products do you personally use in a bank
Sf2_07
SF1 - Which of listed financial services/products do you personally use in a bank
Sf3_07
SF1 - Which of listed financial services/products do you personally use in a bank
Sf4_07
SF1 - Which of listed financial services/products do you personally use in a bank
Sf5_07
SF1 - Which of listed financial services/products do you personally use in a bank
Sf6_07
SF1 - Which of listed financial services/products do you personally use in a bank
Usf1a
USF1a. What type of insurances policies do you have? Life insurance
Usf1b
USF1b. What type of insurances policies do you have? Medical insurance
Usf1c
USF1c. What type of insurances policies do you have? Household insurance
Usf1d
USF1d. What type of insurances policies do you have? Car insurance-CASCO
Usf1e
USF1e. What type of insurances policies do you have? Land/crop insurance
Usf1f
USF1f. What type of insurances policies do you have? Other...
Usf1f_other
Other... (verbatim)
Usf2a
USF2. Type of the financial institution – a bank or a micro-credit organization L
Usf3a
USF3. Loan repayment period (no of months)? LOAN 1
Usf4a
USF4. Is it a consumer or mortgage loan 1
Usf5a
USF5. Is it a domestic or foreign currency loan 1
Usf6a
USF6. Is the interest rate fixed or variable? loan 1
Usf7a
USF7. Are you currently behind with repayment of your installments? loan 1
Usf8a
USF8. Do you face difficulties with repayment of your loan instalments? Loan 1
Usf2b
USF2. Type of the financial institution – a bank or a micro-credit organization L
Usf3b
USF3. Loan repayment period (no of months)? LOAN 2
Usf4b
USF4. Is it a consumer or mortgage loan 2
Usf5b
USF5. Is it a domestic or foreign currency loan 2
Usf6b
USF6. Is the interest rate fixed or variable? loan 2
Total: 341
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