DDI_BGR_2010_FLS_v01_M_WB World Bank 2012-04-28 NADA Financial Literacy Survey 2010 FLS 2010 BGR_2010_FLS_v01_M Alpha Research NADA World Bank Other Household Survey [hh/oth] The Financial Literacy survey is part of a World Bank Financial Governance/Consumer Protection in Financial Services Program in ECCU5 Countries. The Program aims to improve the levels of consumer protection and financial literacy in these countries—and thereby strengthen consumer confidence in the financial sectors. To this end the World Bank commissioned to the Alpha Research a baseline national representative survey. The objective of the study is to assess the level of financial literacy and consumer confidence of households and to outline the peculiarities in different target groups prior to the implementation of the action plan for increasing the financial literacy of the general population and in particular of the lowincome groups. Bulgaria National Household, Individual A total of 1432 respondents from a general population (18+) were interviewed in their homes. Additional booster sample of 186 youth aged 16-17 was implemented. Sample survey data [ssd] - Attitudes and opinions regarding the financial market - Information on Financial Services - Financial literacy - Managing household finances Definition of sample size and sample frame Sample size: based on statistical calculations in order to obtain max. standard deviation +/- 2.5% . - Main sample - 1500 respondents general population - Booster – 300 respondents 16-17 years old Sample frame: random, two-staged stratified sample with probability, proportional to the size of the location. The sample include both urban and rural areas and is based on two stratification criteria: - NUTS region (6 regions – North-West, North-Central, North-East, South-West, South-Central, South-East) - Type of location (5 groups – Capital; Regional center with more than 100000 citizens, Regional center with less than 100000 citizens, Small town, Village) Implementation of the sampling procedure - All NUTS regions in Bulgaria have been ranged in descending order according to the size of the population. - At the first stage the sample was distributed proportionally on the size of population in each of the 30 (6 NUTS X 5 type of location groups) strata different from zero. - A cumulative column with the number of locations in each region was prepared. This cumulative column is used for defining the number of the sample points at the second stage of the sample and respectively – the number of the respondents in each location (proportionally to its’ size). - The sample step was calculated according to the following formula: Sample step = Number of population in the region (N) divided on the number of respondents in the sample. - A random starting number was defined. - A number of 10 respondents in each sample nest have been set in order to minimize the influence of correlation error within the sample nest. The largest locations include a higher number of sample nests. - The number of sample nests and the number of respondents in each location have been defined, proportionally to their size. - At a second-stage, using the random selection based on the “last birthday in the household”, the respondents were selected within each sample point. - The sample is representative for the adult population (18+). - Additional sample booster of young people (16-17 years old) was prepared according to the same criteria. Face-to-face [f2f] - The questionnaire is based on the model Financial Literacy Survey questionnaire used in Romania in order to achieve comparison of the results between the countries. - Questions from previous surveys on financial literacy issues conducted in Bulgaria have been included in the questionnaire as well. This allows comparison of the survey results with those of previous studies. - The questionnaire was reviewed with the relevant institutions – Bulgarian National Bank, Ministry of Economy, Energy and Tourism, World Bank. Development of training materials, delivery of trainings for supervisors and interviewers. Conducting a pilot survey. - The team was been given a special briefing session before the beginning of the study. They were acquainted with the survey objectives and tasks, the instruction for conducting the interview and the peculiarities of the questionnaire’s structure. - 15 pilot interviews were conducted in order to test how the questionnaire would work in a local environment. Average length of the interview: 60 minutes. The shortest interview was 40 minutes and the longest - 90 minutes. - The general observations from the pilot test were: * The questionnaire was twice longer than the 30 minutes length pointed out in the TOR. * There were long options that required repeat of question. The suggestion was to use a show card with the possible answers that could be shown to the respondents. Fieldwork/Interviewing process - The fieldwork was conducted by the team of 75 interviewers from Alpha Research. The average number of interviews per interviewer was 21. - The fieldwork manager in the head office in Sofia was in permanent contact with the regional supervisors. There were no significant difficulties during the survey fieldwork. - The interviews were conducted face-to-face at respondents’ homes during the following time schedule: * On weekdays – between 9.00 – 12.00h and 17:30 - 20:30h * During the weekend – between 10:00 - 20:00h * The average length of one interview was 55 minutes The supervisors’ team did quality control on the interviewers’ work from the head office in Sofia. 20% (325 respondents) of the total sample were back checked by phone: - 295 respondents were contacted personally and confirmed that they were interviewed. - 30 respondents were not available at the time of control, but another member of the household confirmed that the interview was conducted. Consistence and logic check on all completed questionnaires was carried out by the central office staff. No weighting procedures were applied. A total number of 1800 respondents were reached and 1618 interviews were conducted: - Main sample: total number of 1500 respondents were reached and 1432 were conducted: * Response rate – 95% * Refusal rate - 5% * Main reason for refusals: the length of interview - Booster sample of young citizens aged 16 – 17 y.o.: total number of 300 respondents were reached and 186 interviews were conducted: * Response rate – 62% * Refusal rate – 38% * Main reason for refusals: the subject of the survey Use of the dataset must be acknowledged using a citation which would include: - the Identification of the Primary Investigator - the title of the survey (including country, acronym and year of implementation) - the survey reference number - the source and date of download The user of the data acknowledges that the original collector of the data, the authorized distributor of the data, and the relevant funding agency bear no responsibility for use of the data or for interpretations or inferences based upon such uses. World_Bank_Bulgaria_FinLit_survey 1618 485 ID ID ID ID ID 1618 1001 7370 3740.388 2089.091 Region Region Region Region Region 1618 1 Blagoevgrad 2 Burgas 3 Varna 4 V. Tarnovo 5 Vidin 6 Vratza 7 Gabrovo 8 Dobrich 9 Kardzhali 10 Kyustendil 11 Lovech 12 Montana 13 Pazardzhik 14 Pernik 15 Pleven 16 Plovdiv 18 Razgrad 19 Ruse 20 Silistra 21 Sliven 22 Smolyan 23 Sofia 27 Stara Zagora 28 Targovishte 29 Haskovo 30 Shumen 31 Yambol Type of residence Type of residence Type of residence Type of residence Type of residence 1618 1 Sofia 2 Regional center 3 Smaller town 4 Village Interview date Interview date Interview date Interview date Interview date 1618 13493001600 13778121600 13494083041.78 7070511.369 Sample Sample Sample Sample Sample 1618 1 Main sample 2 Booster As a whole, how satisfied are you with your life nowadays? As a whole, how satisfied are you with your life nowadays? As a whole, how satisfied are you with your life nowadays? As a whole, how satisfied are you with your life nowadays? As a whole, how satisfied are you with your life nowadays? As a whole, how satisfied are you with your life nowadays? 1618 1 Very dissatisfied 2 Rather dissatisfied 3 Rather satisfied 4 Very satisfied 9 Don't know How do you think your life is going to be over the next 12 months? How do you think your life is going to be over the next 12 months? How do you think your life is going to be over the next 12 months? How do you think your life is going to be over the next 12 months? How do you think your life is going to be over the next 12 months? How do you think your life is going to be over the next 12 months? 1618 1 Much worse 2 Worse 3 The same 4 Better 5 Much better 9 Don't know How often do you read the national newspapers? How often do you read the national newspapers? How often do you read the national newspapers? How often do you read the national newspapers? How often do you read the national newspapers? How often do you read the national newspapers? 1618 Never 1 Once a month or less 2 Few times a month 3 Few times a week 4 Daily How often do you read the local newspapers? How often do you read the local newspapers? How often do you read the local newspapers? How often do you read the local newspapers? How often do you read the local newspapers? How often do you read the local newspapers? 1618 Never 1 Once a month or less 2 Few times a month 3 Few times a week 4 Daily How often do you listen to the national radio stations? How often do you listen to the national radio stations? How often do you listen to the national radio stations? How often do you listen to the national radio stations? How often do you listen to the national radio stations? How often do you listen to the national radio stations? 1618 Never 1 Once a month or less 2 Few times a month 3 Few times a week 4 Daily How often do you listen to the local radio stations? How often do you listen to the local radio stations? How often do you listen to the local radio stations? How often do you listen to the local radio stations? How often do you listen to the local radio stations? How often do you listen to the local radio stations? 1618 Never 1 Once a month or less 2 Few times a month 3 Few times a week 4 Daily How often do you watch the national TV programs? How often do you watch the national TV programs? How often do you watch the national TV programs? How often do you watch the national TV programs? How often do you watch the national TV programs? How often do you watch the national TV programs? 1618 Never 1 Once a month or less 2 Few times a month 3 Few times a week 4 Daily How often do you watch the local TV programs? How often do you watch the local TV programs? How often do you watch the local TV programs? How often do you watch the local TV programs? How often do you watch the local TV programs? How often do you watch the local TV programs? 1618 Never 1 Once a month or less 2 Few times a month 3 Few times a week 4 Daily Do you know to use a computer? Do you know to use a computer? Do you know to use a computer? Do you know to use a computer? Do you know to use a computer? Do you know to use a computer? For those who know to use the computer (Code 1 at PP6) 1618 1 Yes 2 No How often do you use the Internet (including e-mail)? How often do you use the Internet (including e-mail)? How often do you use the Internet (including e-mail)? How often do you use the Internet (including e-mail)? How often do you use the Internet (including e-mail)? How often do you use the Internet (including e-mail) 811 807 Never 1 Once a month or less 2 Few times a month 3 Few times a week 4 Daily Sysmiss Commercial banks operating in Bulgaria Commercial banks operating in Bulgaria Commercial banks operating in Bulgaria Commercial banks operating in Bulgaria Commercial banks operating in Bulgaria How much do you trust: Commercial banks operating in Bulgaria? 1618 1 Does not trust at all 2 Little 3 Average 4 Much 5 Very much 9 Don't know Insurance companies Insurance companies Insurance companies Insurance companies Insurance companies How much do you trust: Insurance companies? 1618 1 Does not trust at all 2 Little 3 Average 4 Much 5 Very much 9 Don't know Securities companies Securities companies Securities companies Securities companies Securities companies How much do you trust: Securities companies? 1618 1 Does not trust at all 2 Little 3 Average 4 Much 5 Very much 9 Don't know Mutual Help Associations Mutual Help Associations Mutual Help Associations Mutual Help Associations Mutual Help Associations How much do you trust: Mutual Help Associations? 1618 1 Does not trust at all 2 Little 3 Average 4 Much 5 Very much 9 Don't know Leasing companies Leasing companies Leasing companies Leasing companies Leasing companies How much do you trust: Leasing companies? 1618 1 Does not trust at all 2 Little 3 Average 4 Much 5 Very much 9 Don't know Pawn shops Pawn shops Pawn shops Pawn shops Pawn shops How much do you trust: Pawn shops? 1618 1 Does not trust at all 2 Little 3 Average 4 Much 5 Very much 9 Don't know Private pension funds Private pension funds Private pension funds Private pension funds Private pension funds How much do you trust: Private pension funds? 1618 1 Does not trust at all 2 Little 3 Average 4 Much 5 Very much 9 Don't know Consumer credit companies (e.g. Jet Credit, T.B.I, etc.) Consumer credit companies (e.g. Jet Credit, T.B.I, etc.) Consumer credit companies (e.g. Jet Credit, T.B.I, etc.) Consumer credit companies (e.g. Jet Credit, T.B.I, etc.) Consumer credit companies (e.g. Jet Credit, T.B.I, etc.) How much do you trust: Consumer credit companies (e.g. Jet Credit, T.B.I, etc.)? 1618 1 Does not trust at all 2 Little 3 Average 4 Much 5 Very much 9 Don't know The Bulgarian economy The Bulgarian economy The Bulgarian economy The Bulgarian economy The Bulgarian economy How much do you trust: The Bulgarian economy? 1618 1 Does not trust at all 2 Little 3 Average 4 Much 5 Very much 9 Don't know Bulgarian National Bank Bulgarian National Bank Bulgarian National Bank Bulgarian National Bank Bulgarian National Bank And how much do you trust: Bulgarian National Bank? 1618 1 Does not trust at all 2 Little 3 Average 4 Much 5 Very much 9 Don't know Financial Supervision Commission Financial Supervision Commission Financial Supervision Commission Financial Supervision Commission Financial Supervision Commission And how much do you trust: Financial Supervision Commission? 1618 1 Does not trust at all 2 Little 3 Average 4 Much 5 Very much 9 Don't know Consumer Protection Commission Consumer Protection Commission Consumer Protection Commission Consumer Protection Commission Consumer Protection Commission And how much do you trust: Consumer Protection Commission? 1618 1 Does not trust at all 2 Little 3 Average 4 Much 5 Very much 9 Don't know Bulgarian Deposit Insurance Fund Bulgarian Deposit Insurance Fund Bulgarian Deposit Insurance Fund Bulgarian Deposit Insurance Fund Bulgarian Deposit Insurance Fund And how much do you trust:Bulgarian Deposit Insurance Fund ? 1618 1 Does not trust at all 2 Little 3 Average 4 Much 5 Very much 9 Don't know The lev, the national currency The lev, the national currency The lev, the national currency The lev, the national currency The lev, the national currency And how much do you trust: The lev, the national currency? 1618 1 Does not trust at all 2 Little 3 Average 4 Much 5 Very much 9 Don't know Commercial banks operating in Bulgaria Commercial banks operating in Bulgaria Commercial banks operating in Bulgaria Commercial banks operating in Bulgaria Commercial banks operating in Bulgaria Generally, the quality of financial products services offered by the financial institutions in Bulgaria is ...? Commercial banks operating in Bulgaria 1618 1 Very bad 2 Bad 3 Fair 4 Good 5 Very good 9 Don't know Insurance companies Insurance companies Insurance companies Insurance companies Insurance companies Generally, the quality of financial products services offered by the financial institutions in Bulgaria is ...? Insurance companies 1618 1 Very bad 2 Bad 3 Fair 4 Good 5 Very good 9 Don't know Mutual Help Associations Mutual Help Associations Mutual Help Associations Mutual Help Associations Mutual Help Associations Generally, the quality of financial products services offered by the financial institutions in Bulgaria is ...? Mutual Help Associations 1618 1 Very bad 2 Bad 3 Fair 4 Good 5 Very good 9 Don't know Securities companies Securities companies Securities companies Securities companies Securities companies Generally, the quality of financial products services offered by the financial institutions in Bulgaria is ...? Securities companies 1618 1 Very bad 2 Bad 3 Fair 4 Good 5 Very good 9 Don't know Private pension funds Private pension funds Private pension funds Private pension funds Private pension funds Generally, the quality of financial products services offered by the financial institutions in Bulgaria is ...? Private pension funds 1618 1 Very bad 2 Bad 3 Fair 4 Good 5 Very good 9 Don't know Leasing companies Leasing companies Leasing companies Leasing companies Leasing companies Generally, the quality of financial products services offered by the financial institutions in Bulgaria is ...? Leasing companies 1618 1 Very bad 2 Bad 3 Fair 4 Good 5 Very good 9 Don't know Consumer credit companies (e.g. Jet Credit, T.B.I, etc.) Consumer credit companies (e.g. Jet Credit, T.B.I, etc.) Consumer credit companies (e.g. Jet Credit, T.B.I, etc.) Consumer credit companies (e.g. Jet Credit, T.B.I, etc.) Consumer credit companies (e.g. Jet Credit, T.B.I, etc.) Generally, the quality of financial products services offered by the financial institutions in Bulgaria is ...? Consumer credit companies (e.g. Jet Credit, T.B.I, etc.) 1618 1 Very bad 2 Bad 3 Fair 4 Good 5 Very good 9 Don't know Banking sector in Bulgaria Banking sector in Bulgaria Banking sector in Bulgaria Banking sector in Bulgaria Banking sector in Bulgaria What are your expectations to the development of: Banking sector in Bulgaria? 1618 NA 1 It will remain stable and develop in a positive direction 2 No change 3 Destabilization and negative development 9 Private Pension Funds Private Pension Funds Private Pension Funds Private Pension Funds Private Pension Funds What are your expectations to the development of: Private Pension Funds? 1618 NA 1 It will remain stable and develop in a positive direction 2 No change 3 Destabilization and negative development 9 Insurance companies Insurance companies Insurance companies Insurance companies Insurance companies What are your expectations to the development of: Insurance companies? 1618 NA 1 It will remain stable and develop in a positive direction 2 No change 3 Destabilization and negative development 9 The capital market The capital market The capital market The capital market The capital market What are your expectations to the development of: The capital market? 1618 NA 1 It will remain stable and develop in a positive direction 2 No change 3 Destabilization and negative development 9 Consumer credit companies (e.g. Jet Credit, T.B.I, etc.) Consumer credit companies (e.g. Jet Credit, T.B.I, etc.) Consumer credit companies (e.g. Jet Credit, T.B.I, etc.) Consumer credit companies (e.g. Jet Credit, T.B.I, etc.) Consumer credit companies (e.g. Jet Credit, T.B.I, etc.) What are your expectations to the development of: Consumer credit companies (e.g. Jet Credit, T.B.I, etc.)? 1618 NA 1 It will remain stable and develop in a positive direction 2 No change 3 Destabilization and negative development 9 Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? To the bank management Multiple response 1618 1 To the bank management Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? To a representative of the system of justice Multiple response 1618 2 To a representative of the system of justice Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? To Bulgarian National Bank Multiple response 1618 3 To Bulgarian National Bank Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? To the Bank Deposits Guarantee Fund Multiple response 1618 4 To the Bank Deposits Guarantee Fund Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? To the Association of Banks in Bulgaria Multiple response 1618 5 To the Association of Banks in Bulgaria Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? To the Consumer Protection Commission Multiple response 1618 6 To the Consumer Protection Commission Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? To the Financial Supervision Commission Multiple response 1618 7 To the Financial Supervision Commission Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? To the Payments Conciliation Committee Multiple response 1618 8 To the Payments Conciliation Committee Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? To some other state institution Multiple response 1618 9 To some other state institution Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? To the media Multiple response 1618 10 To the media Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Other (please specify) Multiple response 1618 11 Other 15 Parents 16 I will change the bank Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Other (please specify) Multiple response 8 1610 15 Parents 16 I will change the bank 99 Not specified Sysmiss Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? Who would you complain to, if you have a problem with your bank? I will not complain to anyone Multiple response 1618 12 I will not complain to anyone If a conflict with a financial organization (bank, insurance company or the like) If a conflict with a financial organization (bank, insurance company or the like) If a conflict with a financial organization (bank, insurance company or the like) If a conflict with a financial organization (bank, insurance company or the like) If a conflict with a financial organization (bank, insurance company or the like) If a conflict with a financial organization (bank, insurance company or the like) arises regarding the provision of financial services to you, how sure are you in the quick and just resolution of the dispute? A. in short time Use the corresponding code from the scale 1618 1 I am not at all sure 2 I am not quite sure 3 Fifty-fifty 4 I am rather sure 5 I am completely sure 9 Don't know If a conflict with a financial organization (bank, insurance company or the like) If a conflict with a financial organization (bank, insurance company or the like) If a conflict with a financial organization (bank, insurance company or the like) If a conflict with a financial organization (bank, insurance company or the like) If a conflict with a financial organization (bank, insurance company or the like) If a conflict with a financial organization (bank, insurance company or the like) arises regarding the provision of financial services to you, how sure are you in the quick and just resolution of the dispute? B. correctly Use the corresponding code from the scale 1618 1 I am not at all sure 2 I am not quite sure 3 Fifty-fifty 4 I am rather sure 5 I am completely sure 9 Don't know What do you think deserves primary attention when one has to compare between the What do you think deserves primary attention when one has to compare between the What do you think deserves primary attention when one has to compare between the What do you think deserves primary attention when one has to compare between the What do you think deserves primary attention when one has to compare between the What do you think deserves primary attention when one has to compare between the credit institutions to choose the one where to take a credit from? A.Bank One answer only 1618 1 Reputation (fame) 2 View of the office 3 The way the personnel treat you 4 Credit interest rate and the credit cost 5 Gifts and advertising campaigns 6 Other 9 Don't know What do you think deserves primary attention when one has to compare between the What do you think deserves primary attention when one has to compare between the What do you think deserves primary attention when one has to compare between the What do you think deserves primary attention when one has to compare between the What do you think deserves primary attention when one has to compare between the What do you think deserves primary attention when one has to compare between the credit institutions to choose the one where to take a credit from? B.Leasing company One answer only 1618 1 Reputation (fame) 2 View of the office 3 The way the personnel treat you 4 Credit interest rate and the credit cost 5 Gifts and advertising campaigns 6 Other 9 Don't know What do you think deserves primary attention when one has to compare between cons What do you think deserves primary attention when one has to compare between cons What do you think deserves primary attention when one has to compare between cons What do you think deserves primary attention when one has to compare between cons What do you think deserves primary attention when one has to compare between cons What do you think deserves primary attention when one has to compare between the credit institutions to choose the one where to take a credit from? C.Consumer Credit Company One answer only 1618 1 Reputation (fame) 2 View of the office 3 The way the personnel treat you 4 Credit interest rate and the credit cost 5 Gifts and advertising campaigns 6 Other 9 Don't know If you considered taking a credit from a bank, what would you prefer? If you considered taking a credit from a bank, what would you prefer? If you considered taking a credit from a bank, what would you prefer? If you considered taking a credit from a bank, what would you prefer? If you considered taking a credit from a bank, what would you prefer? If you considered taking a credit from a bank, what would you prefer? Do not read answer 3 1618 1 A credit in lev 2 A credit in a foreign currency 3 I wouldn't take any credit 9 Don't know When taking a credit from a bank, what would you give more importance to...? When taking a credit from a bank, what would you give more importance to...? When taking a credit from a bank, what would you give more importance to...? When taking a credit from a bank, what would you give more importance to...? When taking a credit from a bank, what would you give more importance to...? When taking a credit from a bank, what would you give more importance to...? Do not read answer 5 1618 1 Commissions charged by the bank 2 Credit interest rates 3 Both, commissions and credit interest rates 4 Annual Percentage Rate 5 I wouldn't' take any credit 9 Don't know When do you think buying on credit is justified? When do you think buying on credit is justified? When do you think buying on credit is justified? When do you think buying on credit is justified? When do you think buying on credit is justified? When do you think buying on credit is justified? Here the credit refers to the use of a credit card, the use of a consumer credit or buying on credit (informally -"pe caiet") from a shop. 1618 1 If a shop has sales for the goods you need 2 If a person needs to pay for education which would allow to get a better paid job 3 If a person really needs a vacation but does not have money at the moment 4 Other, namely 5 I wouldn't buy on credit in any circumstance 9 Don't know 10 For medical treatment 11 For house purchase, property 12 For working capital or investment in business 13 For repairs, insulation, windows 14 Household electric appliances and machinery 15 Helping the children 16 In financial difficulties, urgent needs 17 Education of children 18 It depends on the case and the person 19 For a vehicle 20 For wedding 21 To cover debt 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? 263 1355 10 For medical treatment 11 For house purchase, property 12 For working capital or investment in business 13 For repairs, insulation, windows 14 Household electric appliances and machinery 15 Helping the children 16 In financial difficulties, urgent needs 17 Education of children 18 It depends on the case and the person 19 For a vehicle 20 For wedding 21 To cover debt 99 Not specified Sysmiss Changes in the property market Changes in the property market Changes in the property market Changes in the property market Changes in the property market What tendencies from the ones given below you follow personally? Changes in the property market 1618 1 Yes 2 No Changes of quotations and indices in the capital market Changes of quotations and indices in the capital market Changes of quotations and indices in the capital market Changes of quotations and indices in the capital market Changes of quotations and indices in the capital market What tendencies from the ones given below you follow personally? Changes of quotations and indices in the capital market 1618 1 Yes 2 No Changes of interest rates on deposits Changes of interest rates on deposits Changes of interest rates on deposits Changes of interest rates on deposits Changes of interest rates on deposits What tendencies from the ones given below you follow personally? Changes of interest rates on deposits 1618 1 Yes 2 No Changes of interest rates on credits Changes of interest rates on credits Changes of interest rates on credits Changes of interest rates on credits Changes of interest rates on credits What tendencies from the ones given below you follow personally? Changes of interest rates on credits 1618 1 Yes 2 No Changes in the inflation rate Changes in the inflation rate Changes in the inflation rate Changes in the inflation rate Changes in the inflation rate What tendencies from the ones given below you follow personally? Changes in the inflation rate 1618 1 Yes 2 No Changes in the level of public pensions, benefits and tax exemptions Changes in the level of public pensions, benefits and tax exemptions Changes in the level of public pensions, benefits and tax exemptions Changes in the level of public pensions, benefits and tax exemptions Changes in the level of public pensions, benefits and tax exemptions What tendencies from the ones given below you follow personally? Changes in the level of public pensions, benefits and tax exemptions 1618 1 Yes 2 No Price fluctuations for oil, gold, metals, etc. Price fluctuations for oil, gold, metals, etc. Price fluctuations for oil, gold, metals, etc. Price fluctuations for oil, gold, metals, etc. Price fluctuations for oil, gold, metals, etc. What tendencies from the ones given below you follow personally? Price fluctuations for oil, gold, metals, etc. 1618 1 Yes 2 No What are the two main sources of information: What are the two main sources of information: What are the two main sources of information: What are the two main sources of information: What are the two main sources of information: If Yes ISF1a. (i.e. if answered "Changes in the property market" in previous question) What is the main source of information? Advertising 856 762 1 Advertising Sysmiss What are the two main sources of information: What are the two main sources of information: What are the two main sources of information: What are the two main sources of information: What are the two main sources of information: If Yes ISF1a. (i.e. if answered "Changes in the property market" in previous question) What is the main source of information? Newspapers, magazines, TV programs specializing on financial issues 856 762 2 Newspapers, magazines, TV programs specializing on financial issues Sysmiss What are the two main sources of information: What are the two main sources of information: What are the two main sources of information: What are the two main sources of information: What are the two main sources of information: If Yes ISF1a. (i.e. if answered "Changes in the property market" in previous question) What is the main source of information? Specialized web sites 856 762 3 Specialized web sites Sysmiss What are the two main sources of information: What are the two main sources of information: What are the two main sources of information: What are the two main sources of information: What are the two main sources of information: If Yes ISF1a. (i.e. if answered "Changes in the property market" in previous question) What is the main source of information? Bank officers, employees of insurance and management companies, during a personal visit or by phone 856 762 4 Bank officers,employees of insurance & management companies Sysmiss What are the two main sources of information: What are the two main sources of information: What are the two main sources of information: What are the two main sources of information: What are the two main sources of information: If Yes ISF1a. (i.e. if answered "Changes in the property market" in previous question) What is the main source of information? Independent financial consultants or brokers 856 762 5 Independent financial consultants or brokers Sysmiss What are the two main sources of information: What are the two main sources of information: What are the two main sources of information: What are the two main sources of information: What are the two main sources of information: If Yes ISF1a. (i.e. if answered "Changes in the property market" in previous question) What is the main source of information? Friends and acquaintances 856 762 6 Friends and acquaintances Sysmiss Are you aware of the Consumer Protection Commission activity concerning financial Are you aware of the Consumer Protection Commission activity concerning financial Are you aware of the Consumer Protection Commission activity concerning financial Are you aware of the Consumer Protection Commission activity concerning financial Are you aware of the Consumer Protection Commission activity concerning financial Are you aware of the Consumer Protection Commission activity concerning financial services? 1618 1 Yes 2 No 9 Don't know bank officers or bankers bank officers or bankers bank officers or bankers bank officers or bankers bank officers or bankers During the last 12 months, how many visits / personal contacts or through phone did you have with...? bank officers or bankers 1618 Never 1 Once a month or less 2 Few times a month 3 Few times a week 4 Daily representatives of insurance companies / private pension fund representatives of insurance companies / private pension fund representatives of insurance companies / private pension fund representatives of insurance companies / private pension fund representatives of insurance companies / private pension fund During the last 12 months, how many visits / personal contacts or through phone did you have with...? representatives of insurance companies / private pension fund 1618 Never 1 Once a month or less 2 Few times a month 3 Few times a week 4 Daily representatives of securities companies (for share deals) representatives of securities companies (for share deals) representatives of securities companies (for share deals) representatives of securities companies (for share deals) representatives of securities companies (for share deals) During the last 12 months, how many visits / personal contacts or through phone did you have with...? representatives of securities companies (for share deals) 1618 Never 1 Once a month or less 2 Few times a month 3 Few times a week 4 Daily independent financial advisers or brokers independent financial advisers or brokers independent financial advisers or brokers independent financial advisers or brokers independent financial advisers or brokers During the last 12 months, how many visits / personal contacts or through phone did you have with...? independent financial advisers or brokers 1618 Never 1 Once a month or less 2 Few times a month 3 Few times a week 4 Daily representatives of a non-banking financial institution , such as Jetcredit or T.B representatives of a non-banking financial institution , such as Jetcredit or T.B representatives of a non-banking financial institution , such as Jetcredit or T.B representatives of a non-banking financial institution , such as Jetcredit or T.B representatives of a non-banking financial institution , such as Jetcredit or T.B During the last 12 months, how many visits / personal contacts or through phone did you have with...? representatives of a non-banking financial institution , such as Jetcredit or T.B.I. Credit 1618 Never 1 Once a month or less 2 Few times a month 3 Few times a week 4 Daily pawn houses personnel pawn houses personnel pawn houses personnel pawn houses personnel pawn houses personnel During the last 12 months, how many visits / personal contacts or through phone did you have with...? pawn houses personnel 1618 Never 1 Once a month or less 2 Few times a month 3 Few times a week 4 Daily When you meet your relatives, colleagues, friends, how often do you talk about fi When you meet your relatives, colleagues, friends, how often do you talk about fi When you meet your relatives, colleagues, friends, how often do you talk about fi When you meet your relatives, colleagues, friends, how often do you talk about fi When you meet your relatives, colleagues, friends, how often do you talk about fi When you meet your relatives, colleagues, friends, how often do you talk about financial institutions and services? 1618 Never 1 Once a month or less 2 Few times a month 3 Few times a week 4 Daily In the last five years, how often do you compare the terms and conditions for pro In the last five years, how often do you compare the terms and conditions for pro In the last five years, how often do you compare the terms and conditions for pro In the last five years, how often do you compare the terms and conditions for pro In the last five years, how often do you compare the terms and conditions for pro In the last five years, how often do you compare the terms and conditions for provision of financial services by various companies before you buy such a service? 1618 1 Never 2 Rarely 3 Sometimes 4 Always 97 I do not use any financial service 99 Don't know In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when choosing a company to buy a service from (pension plan, investment, savings, credit, etc.)? Advertisements Multiple Response 1618 1 Advertisements In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when choosing a company to buy a service from (pension plan, investment, savings, credit, etc.)? Information materials of financial companies on their tariffs and services of various types Multiple Response 1618 2 Information materials of financial companies on their tariffs and services of various types In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when choosing a company to buy a service from (pension plan, investment, savings, credit, etc.)? Advice of consultants working for providers of a required service Multiple Response 1618 3 Advice of consultants working for providers of a required service In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when choosing a company to buy a service from (pension plan, investment, savings, credit, etc.)? Recommendations of independent financial consultants or brokers Multiple Response 1618 4 Recommendations of independent financial consultants/brokers In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when choosing a company to buy a service from (pension plan, investment, savings, credit, etc.)? Analytical materials published in mass media Multiple Response 1618 5 Analytical materials published in mass media In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when choosing a company to buy a service from (pension plan, investment, savings, credit, etc.)? Employer's advice Multiple Response 1618 6 Employer's advice In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when choosing a company to buy a service from (pension plan, investment, savings, credit, etc.)? Advice of friends and relatives Multiple Response 1618 7 Advice of friends and relatives In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when choosing a company to buy a service from (pension plan, investment, savings, credit, etc.)? Internet resources Multiple Response 1618 8 Internet resources In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when choosing a company to buy a service from (pension plan, investment, savings, credit, etc.)? Education programs on the radio and television Multiple Response 1618 9 Education programs on the radio and television In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when choosing a company to buy a service from (pension plan, investment, savings, credit, etc.)? Specialized information center/ call center Multiple Response 1618 10 Specialized information center/ call center In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when choosing a company to buy a service from (pension plan, investment, savings, credit, etc.)? Other Multiple Response 1618 11 Other 12 I don't use no sources 13 Personal meetings at the financial institution In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when In the last five years, what sources of information do you pay attention to when choosing a company to buy a service from (pension plan, investment, savings, credit, etc.)? Don't know Multiple Response 1618 99 Don't know How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? Advertisements Multiple Response 1618 1 Advertisements How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? Information materials of financial companies on their tariffs and services of various types Multiple Response 1618 2 Information materials of financial companies on their tariffs and services of various types How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? Advice of consultants working for providers of a required service Multiple Response 1618 3 Advice of consultants working for providers of a required service How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? Recommendations of independent financial consultants or brokers Multiple Response 1618 4 Recommendations of independent financial consultants/brokers How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? Analytical materials published in mass media Multiple Response 1618 5 Analytical materials published in mass media How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? Employer's advice Multiple Response 1618 6 Employer's advice How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? Advice of friends and relatives Multiple Response 1618 7 Advice of friends and relatives How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? Internet resources Multiple Response 1618 8 Internet resources How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? Education programs on the radio and television Multiple Response 1618 9 Education programs on the radio and television How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? Specialized information center/ call center Multiple Response 1618 10 Specialized information center/ call center How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? Other Multiple Response 1618 11 Other 12 I don't use no sources 13 Personal meetings at the financial institution 15 Post ads How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? How would you prefer to receive information on financial matters? Don't know Multiple Response 1618 99 Don't know Do you consider yourself a financially literate person? Do you consider yourself a financially literate person? Do you consider yourself a financially literate person? Do you consider yourself a financially literate person? Do you consider yourself a financially literate person? Do you consider yourself a financially literate person? 1618 1 No knowledge and skills 2 Unsatisfactory knowledge and skills 3 Satisfactory knowledge and skills 4 Good knowledge and skills 5 Excellent knowledge and skills 9 Don't know Let's assume that you deposited 10,000 lev in a bank account at 8% annual interes Let's assume that you deposited 10,000 lev in a bank account at 8% annual interes Let's assume that you deposited 10,000 lev in a bank account at 8% annual interes Let's assume that you deposited 10,000 lev in a bank account at 8% annual interes Let's assume that you deposited 10,000 lev in a bank account at 8% annual interes Let's assume that you deposited 10,000 lev in a bank account at 8% annual interest rate. How much money will you have in your account in 2 years if you do not withdraw from or add to this account any money? 1618 1 More than 10,800 BGN 2 Exactly 10,800 BGN 3 Less than 10,800 BGN 9 Don't know Let's assume that you deposited 10,000 lev in a bank account at 10% annual intere Let's assume that you deposited 10,000 lev in a bank account at 10% annual intere Let's assume that you deposited 10,000 lev in a bank account at 10% annual intere Let's assume that you deposited 10,000 lev in a bank account at 10% annual intere Let's assume that you deposited 10,000 lev in a bank account at 10% annual intere Let's assume that you deposited 10,000 lev in a bank account at 10% annual interest rate. The interest will be earned at the end of each year and will be added to the principal. How much money will you have in your account in 5 years if you do not withdraw either the principal or the interest? 1618 1 More than 15,000 BGN 2 Exactly 15,000 BGN 3 Less than 15,000 BGN 9 Don't know Imagine, than you deposited the money in a bank account at 8% interest rate, whil Imagine, than you deposited the money in a bank account at 8% interest rate, whil Imagine, than you deposited the money in a bank account at 8% interest rate, whil Imagine, than you deposited the money in a bank account at 8% interest rate, whil Imagine, than you deposited the money in a bank account at 8% interest rate, whil 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? 1618 1 More than a year ago 2 The same 3 Less than a year ago 9 Don't know Let's assume that in 2012 your income is twice as now, and the consumer prices al Let's assume that in 2012 your income is twice as now, and the consumer prices al Let's assume that in 2012 your income is twice as now, and the consumer prices al Let's assume that in 2012 your income is twice as now, and the consumer prices al Let's assume that in 2012 your income is twice as now, and the consumer prices al Let's assume that in 2012 your income is twice as now, and the consumer prices also grow twofold. Do you think that in 2012 you will be able to buy more, less, or the same amount of goods and services as today? 1618 1 More than today 2 Exactly the same 3 Less than today 9 Don't know Let's assume that you saw a TV-set of the same model on sales in two different sh Let's assume that you saw a TV-set of the same model on sales in two different sh Let's assume that you saw a TV-set of the same model on sales in two different sh Let's assume that you saw a TV-set of the same model on sales in two different sh Let's assume that you saw a TV-set of the same model on sales in two different sh Let's assume that you saw a TV-set of the same model on sales in two different shops. The initial retail price of it was 1,000 lev. One shop offered a discount of 150 lev, while the other one offered a 10% discount. Which one is a better bargain ?? a discount of 150 lev or 10%? 1618 1 A discount of 150 lev 2 There are the same 3 A 10% discount 9 Don't know Let's assume that you took a bank credit of 10,000 BGN to be paid back during a y Let's assume that you took a bank credit of 10,000 BGN to be paid back during a y Let's assume that you took a bank credit of 10,000 BGN to be paid back during a y Let's assume that you took a bank credit of 10,000 BGN to be paid back during a y Let's assume that you took a bank credit of 10,000 BGN to be paid back during a y Let's assume that you took a bank credit of 10,000 lev to be paid back during a year in equal monthly payments. The credit charge is 600 lev. Give a rough estimate of the annual interest rate on your credit. 1618 1 3% 2 6% 3 9% 4 12% 9 Don't know If a citizen has a deposit in a Bulgarian bank and this bank becomes bankrupt, do If a citizen has a deposit in a Bulgarian bank and this bank becomes bankrupt, do If a citizen has a deposit in a Bulgarian bank and this bank becomes bankrupt, do If a citizen has a deposit in a Bulgarian bank and this bank becomes bankrupt, do If a citizen has a deposit in a Bulgarian bank and this bank becomes bankrupt, do f a citizen has a deposit in a Bulgarian bank and this bank becomes bankrupt, do you know what maximum level of a deposit is entirely insured by the government? 1618 1 The government does not insure the bank deposits 2 The equivalent in lev of 30.000 euro 3 The equivalent in lev of 50.000 euro 4 The equivalent in lev of 100.000 euro 5 The government insures all bank deposits in their full amount 9 Don't know If a citizen owns shares in the unit fund, and the value of shares plummeted beca If a citizen owns shares in the unit fund, and the value of shares plummeted beca If a citizen owns shares in the unit fund, and the value of shares plummeted beca If a citizen owns shares in the unit fund, and the value of shares plummeted beca If a citizen owns shares in the unit fund, and the value of shares plummeted beca 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? 1618 1 The government does not insure against losses from the reduction of value of the unit funde shares 2 The equivalent in lev of 30.000 euro 3 The equivalent in lev of 50.000 euro 4 The equivalent in lev of 100.000 euro 5 The government insures all unit fund shares in their full amount 9 Don't know In which of the following cases it is appropriate for the government to compensat In which of the following cases it is appropriate for the government to compensat In which of the following cases it is appropriate for the government to compensat In which of the following cases it is appropriate for the government to compensat In which of the following cases it is appropriate for the government to compensat In which of the following cases it is appropriate for the government to compensate individuals for the losses on the financial market? The bank which went bankrupt Multiple response 1618 1 The bank which went bankrupt In which of the following cases it is appropriate for the government to compensat In which of the following cases it is appropriate for the government to compensat In which of the following cases it is appropriate for the government to compensat In which of the following cases it is appropriate for the government to compensat In which of the following cases it is appropriate for the government to compensat In which of the following cases it is appropriate for the government to compensate individuals for the losses on the financial market? Shares of a unit fund whose market value plunged Multiple response 1618 2 Shares of a unit fund whose market value plunged In which of the following cases it is appropriate for the government to compensat In which of the following cases it is appropriate for the government to compensat In which of the following cases it is appropriate for the government to compensat In which of the following cases it is appropriate for the government to compensat In which of the following cases it is appropriate for the government to compensat In which of the following cases it is appropriate for the government to compensate individuals for the losses on the financial market? Shares of a private company, and the value of shares dropped significantly Multiple response 1618 3 Shares of a private company, and the value of shares dropped In which of the following cases it is appropriate for the government to compensat In which of the following cases it is appropriate for the government to compensat In which of the following cases it is appropriate for the government to compensat In which of the following cases it is appropriate for the government to compensat In which of the following cases it is appropriate for the government to compensat In which of the following cases it is appropriate for the government to compensate individuals for the losses on the financial market? Apartment prices dropped at the moment when one needs to sell them Multiple response 1618 4 Apartment prices dropped when one needs to sell them In which of the following cases it is appropriate for the government to compensat In which of the following cases it is appropriate for the government to compensat In which of the following cases it is appropriate for the government to compensat In which of the following cases it is appropriate for the government to compensat In which of the following cases it is appropriate for the government to compensat In which of the following cases it is appropriate for the government to compensate individuals for the losses on the financial market? None of the above Multiple response 1618 5 None of the above In which of the following cases it is appropriate for the government to compensat In which of the following cases it is appropriate for the government to compensat In which of the following cases it is appropriate for the government to compensat In which of the following cases it is appropriate for the government to compensat In which of the following cases it is appropriate for the government to compensat In which of the following cases it is appropriate for the government to compensate individuals for the losses on the financial market? Don't know Multiple response 1618 9 Don't know 99 Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver financial literacy program in Bulgaria? A commercial bank Choose up to 3 answers 1618 1 A commercial bank Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver financial literacy program in Bulgaria? Pension fund and/or insurance companies Choose up to 3 answers 1618 2 Pension fund and/or insurance companies Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver financial literacy program in Bulgaria? Unit investment funds (management companies) Choose up to 3 answers 1618 3 Unit investment funds (management companies) Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver financial literacy program in Bulgaria? Non-government organizations or public organizations involved in consumer rights protection Choose up to 3 answers 1618 4 NGOs or public organizations involved in comsumer rights protection Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver financial literacy program in Bulgaria? Government entities regulating these markets Choose up to 3 answers 1618 5 Government entities regulating these markets Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver financial literacy program in Bulgaria? Higher education institutions of economic and financial profile Choose up to 3 answers 1618 6 Higher education institutions of economic/financial profile Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver financial literacy program in Bulgaria? Independent financial consultants Choose up to 3 answers 1618 7 Independent financial consultants Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver financial literacy program in Bulgaria? Mass media (journalists and TV presenters) Choose up to 3 answers 1618 8 Mass media (journalists and TV presenters) Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver financial literacy program in Bulgaria? Other Choose up to 3 answers 1618 9 Other 10 Information Desks 11 Internet 13 At school Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver f Which of the following organizations do you see as the most suitable to deliver financial literacy program in Bulgaria? Don't know Choose up to 3 answers 1618 99 Don't know How to form one's own financial targets and draw a personal current financial pla How to form one's own financial targets and draw a personal current financial pla How to form one's own financial targets and draw a personal current financial pla How to form one's own financial targets and draw a personal current financial pla How to form one's own financial targets and draw a personal current financial pla Which of the following aspects of managing personal finances do you believe that should necessarily be part of a financial training course for people...? How to form one's own financial targets and draw a personal current financial plan 1618 1 Yes 2 No 9 Don't know What to do not to get up to one's neck in debt when using credits What to do not to get up to one's neck in debt when using credits What to do not to get up to one's neck in debt when using credits What to do not to get up to one's neck in debt when using credits What to do not to get up to one's neck in debt when using credits Which of the following aspects of managing personal finances do you believe that should necessarily be part of a financial training course for people...? What to do not to get up to one's neck in debt when using credits 1618 1 Yes 2 No 9 Don't know How to plan purchases of durables (car, apartment) and evaluate one's abilities t How to plan purchases of durables (car, apartment) and evaluate one's abilities t How to plan purchases of durables (car, apartment) and evaluate one's abilities t How to plan purchases of durables (car, apartment) and evaluate one's abilities t How to plan purchases of durables (car, apartment) and evaluate one's abilities t Which of the following aspects of managing personal finances do you believe that should necessarily be part of a financial training course for people...? How to plan purchases of durables (car, apartment) and evaluate one's abilities to implement them 1618 1 Yes 2 No 9 Don't know How does the pension scheme work and what methods are available to secure one's o How does the pension scheme work and what methods are available to secure one's o How does the pension scheme work and what methods are available to secure one's o How does the pension scheme work and what methods are available to secure one's o How does the pension scheme work and what methods are available to secure one's o Which of the following aspects of managing personal finances do you believe that should necessarily be part of a financial training course for people...? How does the pension scheme work and what methods are available to secure one's old age income 1618 1 Yes 2 No 9 Don't know What is banking services - current accounts, saving deposits, and plastic cards, What is banking services - current accounts, saving deposits, and plastic cards, What is banking services - current accounts, saving deposits, and plastic cards, What is banking services - current accounts, saving deposits, and plastic cards, What is banking services - current accounts, saving deposits, and plastic cards, Which of the following aspects of managing personal finances do you believe that should necessarily be part of a financial training course for people...? What is banking services - current accounts, saving deposits, and plastic cards, 1618 1 Yes 2 No 9 Don't know What is consumer credit for purchasing goods and services, and how can I use it What is consumer credit for purchasing goods and services, and how can I use it What is consumer credit for purchasing goods and services, and how can I use it What is consumer credit for purchasing goods and services, and how can I use it What is consumer credit for purchasing goods and services, and how can I use it Which of the following aspects of managing personal finances do you believe that should necessarily be part of a financial training course for people...? What is consumer credit for purchasing goods and services, and how can I use it 1618 1 Yes 2 No 9 Don't know What is mortgage loan and how can I use it What is mortgage loan and how can I use it What is mortgage loan and how can I use it What is mortgage loan and how can I use it What is mortgage loan and how can I use it Which of the following aspects of managing personal finances do you believe that should necessarily be part of a financial training course for people...? What is mortgage loan and how can I use it 1618 1 Yes 2 No 9 Don't know What is insurance and insurance products and how can I use it What is insurance and insurance products and how can I use it What is insurance and insurance products and how can I use it What is insurance and insurance products and how can I use it What is insurance and insurance products and how can I use it Which of the following aspects of managing personal finances do you believe that should necessarily be part of a financial training course for people...? What is insurance and insurance products and how can I use it 1618 1 Yes 2 No 9 Don't know What is private pension fund and how can I use it What is private pension fund and how can I use it What is private pension fund and how can I use it What is private pension fund and how can I use it What is private pension fund and how can I use it Which of the following aspects of managing personal finances do you believe that should necessarily be part of a financial training course for people...? What is private pension fund and how can I use it 1618 1 Yes 2 No 9 Don't know What is capital markets, stock and unit fund shares, and how can I use it What is capital markets, stock and unit fund shares, and how can I use it What is capital markets, stock and unit fund shares, and how can I use it What is capital markets, stock and unit fund shares, and how can I use it What is capital markets, stock and unit fund shares, and how can I use it Which of the following aspects of managing personal finances do you believe that should necessarily be part of a financial training course for people...? What is capital markets, stock and unit fund shares, and how can I use it 1618 1 Yes 2 No 9 Don't know Sources of information on financial services, how to interpret the information an Sources of information on financial services, how to interpret the information an Sources of information on financial services, how to interpret the information an Sources of information on financial services, how to interpret the information an Sources of information on financial services, how to interpret the information an Which of the following aspects of managing personal finances do you believe that should necessarily be part of a financial training course for people...? Sources of information on financial services, how to interpret the information and how to differentiate the advertising information from the objective one 1618 1 Yes 2 No 9 Don't know What parameters are used to compare the services offered by banks and other finan What parameters are used to compare the services offered by banks and other finan What parameters are used to compare the services offered by banks and other finan What parameters are used to compare the services offered by banks and other finan What parameters are used to compare the services offered by banks and other finan Which of the following aspects of managing personal finances do you believe that should necessarily be part of a financial training course for people...? What parameters are used to compare the services offered by banks and other financial companies 1618 1 Yes 2 No 9 Don't know What consumer rights protection laws are available and what one needs to do when What consumer rights protection laws are available and what one needs to do when What consumer rights protection laws are available and what one needs to do when What consumer rights protection laws are available and what one needs to do when What consumer rights protection laws are available and what one needs to do when Which of the following aspects of managing personal finances do you believe that should necessarily be part of a financial training course for people...? What consumer rights protection laws are available and what one needs to do when one's consumer rights are violated 1618 1 Yes 2 No 9 Don't know What information should a user pay attention to when signing a contract with a ba What information should a user pay attention to when signing a contract with a ba What information should a user pay attention to when signing a contract with a ba What information should a user pay attention to when signing a contract with a ba What information should a user pay attention to when signing a contract with a ba Which of the following aspects of managing personal finances do you believe that should necessarily be part of a financial training course for people...? What information should a user pay attention to when signing a contract with a bank or another financial company 1618 1 Yes 2 No 9 Don't know In your household do you usually have a financial plan, thus you know how to cove In your household do you usually have a financial plan, thus you know how to cove In your household do you usually have a financial plan, thus you know how to cove In your household do you usually have a financial plan, thus you know how to cove In your household do you usually have a financial plan, thus you know how to cove In your household do you usually have a financial plan, thus you know how to cover current monthly expenses? 1618 1 Yes 2 No 9 Don't know Is your household used to keeping records of income and expenditures? Is your household used to keeping records of income and expenditures? Is your household used to keeping records of income and expenditures? Is your household used to keeping records of income and expenditures? Is your household used to keeping records of income and expenditures? Is your household used to keeping records of income and expenditures? 1618 1 Yes, we keep records of everything, entering all revenues and all expenditures 2 Yes, we keep records of everthing, but not all revenues and expenditures are enterede 3 No, we don't keep records of everything, but we know in general how much money is received and spent during a month 4 No, we don't keep records of family's resources, and we don't have even a vague idea of how much money is received and spent during a month 9 Don't know How often during the last 12 months your household remained with unspent money fr How often during the last 12 months your household remained with unspent money fr How often during the last 12 months your household remained with unspent money fr How often during the last 12 months your household remained with unspent money fr How often during the last 12 months your household remained with unspent money fr How often during the last 12 months your household remained with unspent money from month to month? If money spent = money earned always or very often (codes 5 and 4 at GF3c) ?? GO TO GF4 If left without money always or very often (codes 5 and 4 at GF3b) ?? GO TO GF3Y If money remains unspent always or very often (codes 5 and 4 at GF3a) ?? GO TO GF3X 1618 1 Never 2 Very rarely 3 Sometimes 4 Very often 5 Always 9 Don't know How often during the last 12 months your household remained without money from mo How often during the last 12 months your household remained without money from mo How often during the last 12 months your household remained without money from mo How often during the last 12 months your household remained without money from mo How often during the last 12 months your household remained without money from mo How often during the last 12 months your household remained without money from month to month? If money spent = money earned always or very often (codes 5 and 4 at GF3c) ?? GO TO GF4 If left without money always or very often (codes 5 and 4 at GF3b) ?? GO TO GF3Y If money remains unspent always or very often (codes 5 and 4 at GF3a) ?? GO TO GF3X 1618 1 Never 2 Very rarely 3 Sometimes 4 Very often 5 Always 9 Don't know How often during the last 12 months your household spent in a month exactly the m How often during the last 12 months your household spent in a month exactly the m How often during the last 12 months your household spent in a month exactly the m How often during the last 12 months your household spent in a month exactly the m How often during the last 12 months your household spent in a month exactly the m How often during the last 12 months your household spent in a month exactly the money earned in the previous month? If money spent = money earned always or very often (codes 5 and 4 at GF3c) ?? GO TO GF4 If left without money always or very often (codes 5 and 4 at GF3b) ?? GO TO GF3Y If money remains unspent always or very often (codes 5 and 4 at GF3a) ?? GO TO GF3X 1618 1 Never 2 Very rarely 3 Sometimes 4 Very often 5 Always 9 Don't know We spend it on consumer goods We spend it on consumer goods We spend it on consumer goods We spend it on consumer goods We spend it on consumer goods When your household remains with unspent money from month to month, generally what do you do with them? We spend it on consumer goods 129 1489 1 Yes 2 No Sysmiss We keep it in cash We keep it in cash We keep it in cash We keep it in cash We keep it in cash When your household remains with unspent money from month to month, generally what do you do with them? We keep it in cash 129 1489 1 Yes 2 No Sysmiss We deposit it or do not withdraw it from the account We deposit it or do not withdraw it from the account We deposit it or do not withdraw it from the account We deposit it or do not withdraw it from the account We deposit it or do not withdraw it from the account When your household remains with unspent money from month to month, generally what do you do with them? We deposit it or do not withdraw it from the account 129 1489 1 Yes 2 No Sysmiss We invest it in the capital market We invest it in the capital market We invest it in the capital market We invest it in the capital market We invest it in the capital market When your household remains with unspent money from month to month, generally what do you do with them? We invest it in the capital market 129 1489 1 Yes 2 No Sysmiss We lend it to friends or relatives We lend it to friends or relatives We lend it to friends or relatives We lend it to friends or relatives We lend it to friends or relatives When your household remains with unspent money from month to month, generally what do you do with them? We lend it to friends or relatives 129 1489 1 Yes 2 No Sysmiss We invest it in our own business We invest it in our own business We invest it in our own business We invest it in our own business We invest it in our own business When your household remains with unspent money from month to month, generally what do you do with them? We invest it in our own business 129 1489 1 Yes 2 No Sysmiss We invest it in gold and jewellery We invest it in gold and jewellery We invest it in gold and jewellery We invest it in gold and jewellery We invest it in gold and jewellery When your household remains with unspent money from month to month, generally what do you do with them? We invest it in gold and jewellery 129 1489 1 Yes 2 No Sysmiss Other Other Other Other Other When your household remains with unspent money from month to month, generally what do you do with them? Other 129 1489 1 Yes 2 No Sysmiss We cut down expenses We cut down expenses We cut down expenses We cut down expenses We cut down expenses When your household runs out of money from month to month, generally, what do you do? We cut down expenses 392 1226 1 Yes 2 No Sysmiss We borrow money from relatives, friends and acquaintances without interest We borrow money from relatives, friends and acquaintances without interest We borrow money from relatives, friends and acquaintances without interest We borrow money from relatives, friends and acquaintances without interest We borrow money from relatives, friends and acquaintances without interest When your household runs out of money from month to month, generally, what do you do? We borrow money from relatives, friends and acquaintances without interest 392 1226 1 Yes 2 No Sysmiss We borrow money from relatives, friends and acquaintances with interest We borrow money from relatives, friends and acquaintances with interest We borrow money from relatives, friends and acquaintances with interest We borrow money from relatives, friends and acquaintances with interest We borrow money from relatives, friends and acquaintances with interest When your household runs out of money from month to month, generally, what do you do? We borrow money from relatives, friends and acquaintances with interest 392 1226 1 Yes 2 No Sysmiss We buy on credit (informally - "pe caiet") from shops We buy on credit (informally - "pe caiet") from shops We buy on credit (informally - "pe caiet") from shops We buy on credit (informally - "pe caiet") from shops We buy on credit (informally - "pe caiet") from shops When your household runs out of money from month to month, generally, what do you do? We buy on credit (informally - "pe caiet") from shops 392 1226 1 Yes 2 No Sysmiss We borrow from non-banking financial institutions (Jet Credit, T.B.I., etc.) We borrow from non-banking financial institutions (Jet Credit, T.B.I., etc.) We borrow from non-banking financial institutions (Jet Credit, T.B.I., etc.) We borrow from non-banking financial institutions (Jet Credit, T.B.I., etc.) We borrow from non-banking financial institutions (Jet Credit, T.B.I., etc.) When your household runs out of money from month to month, generally, what do you do? We borrow from non-banking financial institutions (Jet Credit, T.B.I., etc.) 392 1226 1 Yes 2 No Sysmiss We pawn jewellery or other goods We pawn jewellery or other goods We pawn jewellery or other goods We pawn jewellery or other goods We pawn jewellery or other goods When your household runs out of money from month to month, generally, what do you do? We pawn jewellery or other goods 392 1226 1 Yes 2 No Sysmiss We spend our savings in lev We spend our savings in lev We spend our savings in lev We spend our savings in lev We spend our savings in lev When your household runs out of money from month to month, generally, what do you do? We spend our savings in lev 392 1226 1 Yes 2 No Sysmiss We exchange in lev our savings in foreign currency We exchange in lev our savings in foreign currency We exchange in lev our savings in foreign currency We exchange in lev our savings in foreign currency We exchange in lev our savings in foreign currency When your household runs out of money from month to month, generally, what do you do? We exchange in lev our savings in foreign currency 392 1226 1 Yes 2 No Sysmiss We borrow from a bank We borrow from a bank We borrow from a bank We borrow from a bank We borrow from a bank When your household runs out of money from month to month, generally, what do you do? We borrow from a bank 392 1226 1 Yes 2 No Sysmiss We use a credit card We use a credit card We use a credit card We use a credit card We use a credit card When your household runs out of money from month to month, generally, what do you do? We use a credit card 392 1226 1 Yes 2 No Sysmiss We work extra hours or do additional jobs We work extra hours or do additional jobs We work extra hours or do additional jobs We work extra hours or do additional jobs We work extra hours or do additional jobs When your household runs out of money from month to month, generally, what do you do? We work extra hours or do additional jobs 392 1226 1 Yes 2 No Sysmiss Other Other Other Other Other When your household runs out of money from month to month, generally, what do you do? Other 392 1226 1 Yes 2 No Sysmiss Please tell us whether there are such households among your acquaintances or frie Please tell us whether there are such households among your acquaintances or frie Please tell us whether there are such households among your acquaintances or frie Please tell us whether there are such households among your acquaintances or frie Please tell us whether there are such households among your acquaintances or frie Please tell us whether there are such households 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 reasoni n your opinion? 1618 1 Yes, s.o. in the household has lost his job due the crisis 2 Yes, because of unfortunate series of events 3 Yes, because of a wrong money management 4 Yes, other 5 I do not know such households 9 Don't know 10 Go abroad 11 Integrated responses from the front 12 Their business goes bankrupt 13 Lowering of wages due to crisis Did your household experience an unexpected significant reduction of your income Did your household experience an unexpected significant reduction of your income Did your household experience an unexpected significant reduction of your income Did your household experience an unexpected significant reduction of your income Did your household experience an unexpected significant reduction of your income Did your household experience an unexpected significant reduction of your income over the last three years? If No --> GO TO GF6 1618 1 Yes 2 No 9 Don't know Loss of employment due to economic crisis Loss of employment due to economic crisis Loss of employment due to economic crisis Loss of employment due to economic crisis Loss of employment due to economic crisis If Yes (code 1 at GF5) What was the reason for this reduction of your income? Loss of employment due to economic crisis 561 1057 1 Yes 2 No Sysmiss Loss of employment because of an accident, illness or disability Loss of employment because of an accident, illness or disability Loss of employment because of an accident, illness or disability Loss of employment because of an accident, illness or disability Loss of employment because of an accident, illness or disability If Yes (code 1 at GF5) What was the reason for this reduction of your income? Loss of employment because of an accident, illness or disability 561 1057 1 Yes 2 No Sysmiss Considerable reduction of salary, or delays with salary payment Considerable reduction of salary, or delays with salary payment Considerable reduction of salary, or delays with salary payment Considerable reduction of salary, or delays with salary payment Considerable reduction of salary, or delays with salary payment If Yes (code 1 at GF5) What was the reason for this reduction of your income? Considerable reduction of salary, or delays with salary payment 561 1057 1 Yes 2 No Sysmiss Breakup, separation or divorce Breakup, separation or divorce Breakup, separation or divorce Breakup, separation or divorce Breakup, separation or divorce If Yes (code 1 at GF5) What was the reason for this reduction of your income? Breakup, separation or divorce 561 1057 1 Yes 2 No Sysmiss Retirement of the main breadwinner Retirement of the main breadwinner Retirement of the main breadwinner Retirement of the main breadwinner Retirement of the main breadwinner If Yes (code 1 at GF5) What was the reason for this reduction of your income? Retirement of the main breadwinner 561 1057 1 Yes 2 No Sysmiss Other Other Other Other Other If Yes (code 1 at GF5) What was the reason for this reduction of your income? Other 561 1057 1 Yes 2 No Sysmiss We cut down expenses We cut down expenses We cut down expenses We cut down expenses We cut down expenses How did you (your family) manage to make the ends meet when your income suddenly dropped? We cut down expenses 561 1057 1 Yes 2 No Sysmiss We borrow money from relatives, friends and acquaintances without interest We borrow money from relatives, friends and acquaintances without interest We borrow money from relatives, friends and acquaintances without interest We borrow money from relatives, friends and acquaintances without interest We borrow money from relatives, friends and acquaintances without interest How did you (your family) manage to make the ends meet when your income suddenly dropped? We borrow money from relatives, friends and acquaintances without interest 561 1057 1 Yes 2 No Sysmiss We borrow money from relatives, friends and acquaintances with interest We borrow money from relatives, friends and acquaintances with interest We borrow money from relatives, friends and acquaintances with interest We borrow money from relatives, friends and acquaintances with interest We borrow money from relatives, friends and acquaintances with interest How did you (your family) manage to make the ends meet when your income suddenly dropped? We borrow money from relatives, friends and acquaintances with interest 561 1057 1 Yes 2 No Sysmiss We buy on credit (informally - "pe caiet") from shops We buy on credit (informally - "pe caiet") from shops We buy on credit (informally - "pe caiet") from shops We buy on credit (informally - "pe caiet") from shops We buy on credit (informally - "pe caiet") from shops How did you (your family) manage to make the ends meet when your income suddenly dropped? We buy on credit (informally - "pe caiet") from shops 561 1057 1 Yes 2 No Sysmiss We borrow from non-banking financial institutions (Jet Credit, T.B.I., etc.) We borrow from non-banking financial institutions (Jet Credit, T.B.I., etc.) We borrow from non-banking financial institutions (Jet Credit, T.B.I., etc.) We borrow from non-banking financial institutions (Jet Credit, T.B.I., etc.) We borrow from non-banking financial institutions (Jet Credit, T.B.I., etc.) How did you (your family) manage to make the ends meet when your income suddenly dropped? We borrow from non-banking financial institutions (Jet Credit, T.B.I., etc.) 561 1057 1 Yes 2 No Sysmiss We pawn jewellery or other goods We pawn jewellery or other goods We pawn jewellery or other goods We pawn jewellery or other goods We pawn jewellery or other goods How did you (your family) manage to make the ends meet when your income suddenly dropped? We pawn jewellery or other goods 561 1057 1 Yes 2 No Sysmiss We spend our savings in lev We spend our savings in lev We spend our savings in lev We spend our savings in lev We spend our savings in lev How did you (your family) manage to make the ends meet when your income suddenly dropped? We spend our savings in lev 561 1057 1 Yes 2 No Sysmiss We exchange in lev our savings in foreign currency We exchange in lev our savings in foreign currency We exchange in lev our savings in foreign currency We exchange in lev our savings in foreign currency We exchange in lev our savings in foreign currency How did you (your family) manage to make the ends meet when your income suddenly dropped? We exchange in lev our savings in foreign currency 561 1057 1 Yes 2 No Sysmiss We borrow from a bank We borrow from a bank We borrow from a bank We borrow from a bank We borrow from a bank How did you (your family) manage to make the ends meet when your income suddenly dropped? We borrow from a bank 561 1057 1 Yes 2 No Sysmiss We use a credit card We use a credit card We use a credit card We use a credit card We use a credit card How did you (your family) manage to make the ends meet when your income suddenly dropped? We use a credit card 561 1057 1 Yes 2 No Sysmiss We work extra hours or do additional jobs We work extra hours or do additional jobs We work extra hours or do additional jobs We work extra hours or do additional jobs We work extra hours or do additional jobs How did you (your family) manage to make the ends meet when your income suddenly dropped? We work extra hours or do additional jobs 561 1057 1 Yes 2 No Sysmiss Other Other Other Other Other How did you (your family) manage to make the ends meet when your income suddenly dropped? Other 561 1057 1 Yes 2 No Sysmiss How often during the last 12 months your household had to borrow to pay back your How often during the last 12 months your household had to borrow to pay back your How often during the last 12 months your household had to borrow to pay back your How often during the last 12 months your household had to borrow to pay back your How often during the last 12 months your household had to borrow to pay back your How often during the last 12 months your household had to borrow to pay back your other debts? 1618 1 Never 2 Very rarely 3 Sometimes 4 Very often 5 Always 9 Don't know Nothing special because our household has sufficient savings and incomes Nothing special because our household has sufficient savings and incomes Nothing special because our household has sufficient savings and incomes Nothing special because our household has sufficient savings and incomes Nothing special because our household has sufficient savings and incomes If tomorrow, your household incomes would suddenly be reduced with let's say one quarter for a period of 3 months or more, how would you manage? Nothing special because our household has sufficient savings and incomes 1618 1 Yes 2 No We will cut down expenses and save We will cut down expenses and save We will cut down expenses and save We will cut down expenses and save We will cut down expenses and save If tomorrow, your household incomes would suddenly be reduced with let's say one quarter for a period of 3 months or more, how would you manage? We will cut down expenses and save 1504 114 1 Yes 2 No Sysmiss We will borrow money from relatives, friends and acquaintances We will borrow money from relatives, friends and acquaintances We will borrow money from relatives, friends and acquaintances We will borrow money from relatives, friends and acquaintances We will borrow money from relatives, friends and acquaintances If tomorrow, your household incomes would suddenly be reduced with let's say one quarter for a period of 3 months or more, how would you manage? We will borrow money from relatives, friends and acquaintances 1504 114 1 Yes 2 No Sysmiss We will buy on credit ("pe caiet) from shops We will buy on credit ("pe caiet) from shops We will buy on credit ("pe caiet) from shops We will buy on credit ("pe caiet) from shops We will buy on credit ("pe caiet) from shops If tomorrow, your household incomes would suddenly be reduced with let's say one quarter for a period of 3 months or more, how would you manage? We will buy on credit ("pe caiet) from shops 1504 114 1 Yes 2 No Sysmiss We will take a bank loan We will take a bank loan We will take a bank loan We will take a bank loan We will take a bank loan If tomorrow, your household incomes would suddenly be reduced with let's say one quarter for a period of 3 months or more, how would you manage? We will take a bank loan 1504 114 1 Yes 2 No Sysmiss We will borrow from non-bank credit institution (Jet Credit, T.B.I, etc.) We will borrow from non-bank credit institution (Jet Credit, T.B.I, etc.) We will borrow from non-bank credit institution (Jet Credit, T.B.I, etc.) We will borrow from non-bank credit institution (Jet Credit, T.B.I, etc.) We will borrow from non-bank credit institution (Jet Credit, T.B.I, etc.) If tomorrow, your household incomes would suddenly be reduced with let's say one quarter for a period of 3 months or more, how would you manage? We will borrow from non-bank credit institution (Jet Credit, T.B.I, etc.) 1504 114 1 Yes 2 No Sysmiss We will use a credit card We will use a credit card We will use a credit card We will use a credit card We will use a credit card If tomorrow, your household incomes would suddenly be reduced with let's say one quarter for a period of 3 months or more, how would you manage? We will use a credit card 1504 114 1 Yes 2 No Sysmiss We will pawn jewellery or other goods We will pawn jewellery or other goods We will pawn jewellery or other goods We will pawn jewellery or other goods We will pawn jewellery or other goods If tomorrow, your household incomes would suddenly be reduced with let's say one quarter for a period of 3 months or more, how would you manage? We will pawn jewellery or other goods 1504 114 1 Yes 2 No Sysmiss We will spend our savings in lev We will spend our savings in lev We will spend our savings in lev We will spend our savings in lev We will spend our savings in lev If tomorrow, your household incomes would suddenly be reduced with let's say one quarter for a period of 3 months or more, how would you manage? We will spend our savings in lev 1504 114 1 Yes 2 No Sysmiss We will work extra hours/additional jobs We will work extra hours/additional jobs We will work extra hours/additional jobs We will work extra hours/additional jobs We will work extra hours/additional jobs If tomorrow, your household incomes would suddenly be reduced with let's say one quarter for a period of 3 months or more, how would you manage? We will work extra hours/additional jobs 1504 114 1 Yes 2 No Sysmiss We will apply for social benefits We will apply for social benefits We will apply for social benefits We will apply for social benefits We will apply for social benefits If tomorrow, your household incomes would suddenly be reduced with let's say one quarter for a period of 3 months or more, how would you manage? We will apply for social benefits 1504 114 1 Yes 2 No Sysmiss Other Other Other Other Other If tomorrow, your household incomes would suddenly be reduced with let's say one quarter for a period of 3 months or more, how would you manage? Other 1504 114 1 Yes 2 No Sysmiss How long do you think you can manage in this situation? How long do you think you can manage in this situation? How long do you think you can manage in this situation? How long do you think you can manage in this situation? How long do you think you can manage in this situation? How long do you think you can manage in this situation? 1618 1 Less than a week 2 One week-less than 1 month 3 1-3 months 4 3-6 months 5 6-12 months 6 One year or more 9 Don't know Comparing to your total monthly household income, approximately how much are your Comparing to your total monthly household income, approximately how much are your Comparing to your total monthly household income, approximately how much are your Comparing to your total monthly household income, approximately how much are your Comparing to your total monthly household income, approximately how much are your Comparing to your total monthly household income, approximately how much are your debts? These are non-serviced debts (e.g. non-serviced credits from non-bank financial institutions, public utilities, debts from friends or relatives, from shops)? Exclude loans with collateral to banks and leasing for cars or properties 1618 1 Less than the monthly income 2 Approximately 1-2 monthly incomes 3 Approximately 2-3 monthly incomes 4 Approximately 4-6 monthly incomes 5 Approximately 7-12 monthly incomes 6 More than the annual income 7 I don't have any debts 9 Don't know Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money in the amount of 50,000 lev, meaning approximately 25,000 euro. What would you do with this money most likely? I'll spend it on the purchase of household goods Choose maximum 3 answers, Show card 1618 1 I'll spend it on the purchase of household goods Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money in the amount of 50,000 lev, meaning approximately 25,000 euro. What would you do with this money most likely? I'll try to add money and buy a plot of land, a car, etc. Choose maximum 3 answers, Show card 1618 2 I'll try to add money and buy a plot of land, a car, etc. Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money in the amount of 50,000 lev, meaning approximately 25,000 euro. What would you do with this money most likely? 'll make long-term savings to accumulate money for more expensive things Choose maximum 3 answers, Show card 1618 3 I'll make long-term savings to accumulate money Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money in the amount of 50,000 lev, meaning approximately 25,000 euro. What would you do with this money most likely? I'll make reserves (for unexpected event, special events) Choose maximum 3 answers, Show card 1618 4 I'll make reserves (for unexpected event, special events) Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money in the amount of 50,000 lev, meaning approximately 25,000 euro. What would you do with this money most likely? I'll repay my earlier debts Choose maximum 3 answers, Show card 1618 5 I'll repay my earlier debts Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money in the amount of 50,000 lev, meaning approximately 25,000 euro. What would you do with this money most likely? I'll spend it on entertainment, on travel or vacation Choose maximum 3 answers, Show card 1618 6 I'll spend it on entertainment, on travel or vacation Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money in the amount of 50,000 lev, meaning approximately 25,000 euro. What would you do with this money most likely? I'll spend it on education and development of my children Choose maximum 3 answers, Show card 1618 7 I'll spend it on education and development of my children Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money in the amount of 50,000 lev, meaning approximately 25,000 euro. What would you do with this money most likely? I'll spend it on upgrade of my skills or a new vacation Choose maximum 3 answers, Show card 1618 8 I'll spend it on upgrade of my skills or a new vacation Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money in the amount of 50,000 lev, meaning approximately 25,000 euro. What would you do with this money most likely? I'll spend it on my medical treatment and that of my family Choose maximum 3 answers, Show card 1618 9 I'll spend it on my medical treatment and that of my family Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money in the amount of 50,000 lev, meaning approximately 25,000 euro. What would you do with this money most likely? 'll invest it in my own business Choose maximum 3 answers, Show card 1618 10 I'll invest it in my own business Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money in the amount of 50,000 lev, meaning approximately 25,000 euro. What would you do with this money most likely? I'll buy an insurance policy for myself or the family, spend it on voluntary pension Choose maximum 3 answers, Show card 1618 11 I'll buy an insurance policy for myself or the family, spend it on voluntary pension Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money in the amount of 50,000 lev, meaning approximately 25,000 euro. What would you do with this money most likely? I'll buy gold, jewels and the like Choose maximum 3 answers, Show card 1618 12 I'll buy gold, jewels and the like Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money in the amount of 50,000 lev, meaning approximately 25,000 euro. What would you do with this money most likely? I'll invest it in the bank deposit at an interest rate Choose maximum 3 answers, Show card 1618 13 I'll invest it in the bank deposit at an interest rate Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money in the amount of 50,000 lev, meaning approximately 25,000 euro. What would you do with this money most likely? I'll buy shares and other stock of Bulgerian companies, buy government bonds Choose maximum 3 answers, Show card 1618 14 I'll buy shares and other stock of Bulgerian companies, buy government bonds Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money in the amount of 50,000 lev, meaning approximately 25,000 euro. What would you do with this money most likely? Other Choose maximum 3 answers, Show card 1618 2 Purchase of vehicles 15 Other 16 To repair property (house, apartment) 17 I will help the children 19 Purchase of housing property 21 Purchase of vehicles 22 Charity 23 I will visit my children abroad Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money i Let's assume that in addition to your regular income your family got some money in the amount of 50,000 lev, meaning approximately 25,000 euro. What would you do with this money most likely? Don't know Choose maximum 3 answers, Show card 1618 99 Don't know Does your household usually manage your everyday revenues? Does your household usually manage your everyday revenues? Does your household usually manage your everyday revenues? Does your household usually manage your everyday revenues? Does your household usually manage your everyday revenues? Does your household usually manage your everyday revenues? 1618 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 and do not save anything 9 Don't know Comparing to your total monthly household income, approximately how much are your Comparing to your total monthly household income, approximately how much are your Comparing to your total monthly household income, approximately how much are your Comparing to your total monthly household income, approximately how much are your Comparing to your total monthly household income, approximately how much are your If household saves (codes 1 and 2 at GF9) Comparing to your total monthly household income, approximately how much are your savings? 514 1104 1 Less than the monthly income 2 Approximately 1-2 monthly incomes 3 Approximately 2-3 monthly incomes 4 Approximately 4-6 monthly incomes 5 Approximately 7-12 monthly incomes 6 More than the annual income 9 Don't know Sysmiss What are the reasons to have made savings? What are the reasons to have made savings? What are the reasons to have made savings? What are the reasons to have made savings? What are the reasons to have made savings? What are the reasons to have made savings? For a rainy day, for unexpected expenses Multiple response 514 1104 1 For a rainy day, for unexpected expenses Sysmiss What are the reasons to have made savings? What are the reasons to have made savings? What are the reasons to have made savings? What are the reasons to have made savings? What are the reasons to have made savings? What are the reasons to have made savings? For retirement Multiple response 514 1104 2 For retirement Sysmiss What are the reasons to have made savings? What are the reasons to have made savings? What are the reasons to have made savings? What are the reasons to have made savings? What are the reasons to have made savings? What are the reasons to have made savings? To leave something for children to inherit Multiple response 514 1104 3 To leave something for children to inherit Sysmiss What are the reasons to have made savings? What are the reasons to have made savings? What are the reasons to have made savings? What are the reasons to have made savings? What are the reasons to have made savings? What are the reasons to have made savings? To get income in the form of interest, increased market value of assets, etc. Multiple response 514 1104 4 To get income in the form of interest, increase market value Sysmiss What are the reasons to have made savings? What are the reasons to have made savings? What are the reasons to have made savings? What are the reasons to have made savings? What are the reasons to have made savings? What are the reasons to have made savings? To increase my living standards in the future Multiple response 514 1104 6 To increase my living standards in the future Sysmiss What are the reasons to have made savings? What are the reasons to have made savings? What are the reasons to have made savings? What are the reasons to have made savings? What are the reasons to have made savings? What are the reasons to have made savings? I like saving rather than spending money Multiple response 514 1104 7 I like saving rather than spending money Sysmiss What are the reasons to have made savings? What are the reasons to have made savings? What are the reasons to have made savings? What are the reasons to have made savings? What are the reasons to have made savings? What are the reasons to have made savings? This is a family tradition Multiple response 514 1104 8 This is a family tradition Sysmiss What are the reasons to have made savings? What are the reasons to have made savings? What are the reasons to have made savings? What are the reasons to have made savings? What are the reasons to have made savings? What are the reasons to have made savings? Other Multiple response 514 1104 10 Other 11 For house 12 Purchasing an expensive item 13 For Burial 14 To achieve any goal 15 For going to a resort 16 Working capital 17 To help my children 18 To help my children Sysmiss What are the reasons to have made savings? What are the reasons to have made savings? What are the reasons to have made savings? What are the reasons to have made savings? What are the reasons to have made savings? What are the reasons to have made savings? Don't know Multiple response 514 1104 99 Don't know Sysmiss What are the reasons not to have made savings? What are the reasons not to have made savings? What are the reasons not to have made savings? What are the reasons not to have made savings? What are the reasons not to have made savings? If household does not make savings (code 3 at GF9) What are the reasons? don't trust financial institutions Multiple response 936 682 1 I don't trust financial institutions Sysmiss What are the reasons not to have made savings? What are the reasons not to have made savings? What are the reasons not to have made savings? What are the reasons not to have made savings? What are the reasons not to have made savings? If household does not make savings (code 3 at GF9) What are the reasons? I cannot do this because of a low income Multiple response 936 682 2 I cannot do this because of a low income Sysmiss What are the reasons not to have made savings? What are the reasons not to have made savings? What are the reasons not to have made savings? What are the reasons not to have made savings? What are the reasons not to have made savings? If household does not make savings (code 3 at GF9) What are the reasons? I don't see the point in making savings Multiple response 936 682 3 I don't see the point in making savings Sysmiss What are the reasons not to have made savings? What are the reasons not to have made savings? What are the reasons not to have made savings? What are the reasons not to have made savings? What are the reasons not to have made savings? If household does not make savings (code 3 at GF9) What are the reasons? I cannot resist the temptation to spend the money on shopping Multiple response 936 682 5 I can't resist the temptation to spend the money on shopping Sysmiss What are the reasons not to have made savings? What are the reasons not to have made savings? What are the reasons not to have made savings? What are the reasons not to have made savings? What are the reasons not to have made savings? If household does not make savings (code 3 at GF9) What are the reasons? Other Multiple response 936 682 8 Other 9 Books and education 10 I don't have work Sysmiss What are the reasons not to have made savings? What are the reasons not to have made savings? What are the reasons not to have made savings? What are the reasons not to have made savings? What are the reasons not to have made savings? If household does not make savings (code 3 at GF9) What are the reasons? Don't know Multiple response 936 682 99 Don't know Sysmiss Have you personally invested in the last five years in Have you personally invested in the last five years in Have you personally invested in the last five years in Have you personally invested in the last five years in Have you personally invested in the last five years in Have you personally invested in the last five years in? Securities 1618 1 Securities Have you personally invested in the last five years in Have you personally invested in the last five years in Have you personally invested in the last five years in Have you personally invested in the last five years in Have you personally invested in the last five years in Have you personally invested in the last five years in? Real estate 1618 2 Real estate Have you personally invested in the last five years in Have you personally invested in the last five years in Have you personally invested in the last five years in Have you personally invested in the last five years in Have you personally invested in the last five years in Have you personally invested in the last five years in? Pension fund 1618 3 Pension fund Have you personally invested in the last five years in Have you personally invested in the last five years in Have you personally invested in the last five years in Have you personally invested in the last five years in Have you personally invested in the last five years in Have you personally invested in the last five years in? Life insurance 1618 4 Life insurance Have you personally invested in the last five years in Have you personally invested in the last five years in Have you personally invested in the last five years in Have you personally invested in the last five years in Have you personally invested in the last five years in Have you personally invested in the last five years in? Other/please specify 1618 5 Other Have you personally invested in the last five years in Have you personally invested in the last five years in Have you personally invested in the last five years in Have you personally invested in the last five years in Have you personally invested in the last five years in Have you personally invested in the last five years in? I have not invested any money 1618 6 I have not invested any money Securities Securities Securities Securities Securities Which of these investment options do you consider the most profitable? (arrange them in an order of priority, marking with 1 the most profitable, and with 4 the least profitable) 1618 1 99 26.834 41.997 Real estate Real estate Real estate Real estate Real estate Which of these investment options do you consider the most profitable? (arrange them in an order of priority, marking with 1 the most profitable, and with 4 the least profitable) 1618 1 99 22.551 40.111 Pension fund Pension fund Pension fund Pension fund Pension fund Which of these investment options do you consider the most profitable? (arrange them in an order of priority, marking with 1 the most profitable, and with 4 the least profitable) 1618 1 99 27.911 42.112 Life insurance Life insurance Life insurance Life insurance Life insurance Which of these investment options do you consider the most profitable? (arrange them in an order of priority, marking with 1 the most profitable, and with 4 the least profitable) 1618 1 99 28.124 42.19 Other Other Other Other Other Which of these investment options do you consider the most profitable? (arrange them in an order of priority, marking with 1 the most profitable, and with 4 the least profitable) 13 1605 1 99 11.692 26.266 Securities Securities Securities Securities Securities And which one of them has the highest risk? (arrange them in an order where 1 has the highest risk, and 4 has the lowest risk) 1618 1 99 26.146 42.12 Real estate Real estate Real estate Real estate Real estate And which one of them has the highest risk? (arrange them in an order where 1 has the highest risk, and 4 has the lowest risk) 1618 1 99 30.625 43.247 Pension fund Pension fund Pension fund Pension fund Pension fund And which one of them has the highest risk? (arrange them in an order where 1 has the highest risk, and 4 has the lowest risk) 1618 1 99 29.569 43.449 Life insurance Life insurance Life insurance Life insurance Life insurance And which one of them has the highest risk? (arrange them in an order where 1 has the highest risk, and 4 has the lowest risk) 1618 1 99 30.668 43.875 Other Other Other Other Other And which one of them has the highest risk? (arrange them in an order where 1 has the highest risk, and 4 has the lowest risk) 13 1605 4 99 26.615 41.266 What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional information about? Consumer credit 1618 1 Consumer credit What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional information about? Bank current account 1618 2 Bank current account What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional information about? Band deposit account 1618 3 Band deposit account What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional information about? Currency exchange 1618 4 Currency exchange What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional information about? Credit card 1618 5 Credit card What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional information about? Bank card 1618 6 Bank card What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional information about? Mortgage loan 1618 7 Mortgage loan What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional information about? Insurance policies 1618 8 Insurance policies What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional information about? Investments in unit funds 1618 9 Investments in unit funds What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional information about? Investments in companies' stock 1618 10 Investments in companies' stock What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional information about? Private pension fund policies 1618 11 Private pension fund policies What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional information about? Other financial service 1618 12 Other financial service What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional information about? None of the above 1618 13 None of the above What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional inform What services of the above would you like to know better or get additional information about? I find it difficult to answer this question 1618 14 I find it difficult to answer this question Sex Sex Sex Sex Sex Sex 1618 1 Male 2 Female Sex Sex Sex Sex Sex Sex 1328 290 1 Male 2 Female Sysmiss Sex Sex Sex Sex Sex Sex 728 890 1 Male 2 Female Sysmiss Sex Sex Sex Sex Sex Sex 293 1325 1 Male 2 Female Sysmiss Sex Sex Sex Sex Sex Sex 62 1556 1 Male 2 Female Sysmiss Sex Sex Sex Sex Sex Sex 26 1592 1 Male 2 Female Sysmiss Sex Sex Sex Sex Sex Sex 9 1609 1 Male 2 Female Sysmiss Sex Sex Sex Sex Sex Sex 1 1617 1 Male 2 Female Sysmiss Age Age Age Age Age Age 1618 15 93 43.504 18.728 Age Age Age Age Age Age 1321 297 1 87 47.552 14.089 Age Age Age Age Age Age 725 893 90 31.203 17.579 Age Age Age Age Age Age 285 1333 1 83 24.07 18.215 Age Age Age Age Age Age 60 1558 1 82 24.717 24.546 Age Age Age Age Age Age 26 1592 1 78 14.5 18.199 Age Age Age Age Age Age 9 1609 1 23 11.778 8.423 Age Age Age Age Age Age 1 1617 3 Sysmiss Ethnicity Ethnicity Ethnicity Ethnicity Ethnicity Nationality 1617 1 1 Bulgarian 2 Turkish 3 Roma 4 Armenian 5 Other Sysmiss Ethnicity Ethnicity Ethnicity Ethnicity Ethnicity Nationality 1327 291 1 Bulgarian 2 Turkish 3 Roma 4 Armenian 5 Other Sysmiss Ethnicity Ethnicity Ethnicity Ethnicity Ethnicity Nationality 733 885 1 Bulgarian 2 Turkish 3 Roma 4 Armenian 5 Other Sysmiss Ethnicity Ethnicity Ethnicity Ethnicity Ethnicity Nationality 294 1324 1 Bulgarian 2 Turkish 3 Roma 4 Armenian 5 Other Sysmiss Ethnicity Ethnicity Ethnicity Ethnicity Ethnicity Nationality 61 1557 1 Bulgarian 2 Turkish 3 Roma 4 Armenian 5 Other Sysmiss Ethnicity Ethnicity Ethnicity Ethnicity Ethnicity Nationality 26 1592 1 Bulgarian 2 Turkish 3 Roma 4 Armenian 5 Other Sysmiss Ethnicity Ethnicity Ethnicity Ethnicity Ethnicity Nationality 9 1609 1 Bulgarian 2 Turkish 3 Roma 4 Armenian 5 Other Sysmiss Ethnicity Ethnicity Ethnicity Ethnicity Ethnicity Nationality 1 1617 1 Bulgarian 2 Turkish 3 Roma 4 Armenian 5 Other Sysmiss Ethnicity Ethnicity Ethnicity Ethnicity Ethnicity Nationality 1618 1 Bulgarian 2 Turkish 3 Roma 4 Armenian 5 Other Sysmiss Ethnicity Ethnicity Ethnicity Ethnicity Ethnicity Nationality 1618 1 Bulgarian 2 Turkish 3 Roma 4 Armenian 5 Other Sysmiss Highest level of education achieved Highest level of education achieved Highest level of education achieved Highest level of education achieved Highest level of education achieved Highest level of education achieved 1618 1 No school 2 Primary (1- 4 classes) 3 Gymnasium (5-8 classes) 4 First level of high school (9-10 classes) 5 General high school (9-12 classes) 6 Professional high school (9-12 classes) 8 College degree 9 University (including Master degree) 10 Doctoral studies Highest level of education achieved Highest level of education achieved Highest level of education achieved Highest level of education achieved Highest level of education achieved Highest level of education achieved 1326 292 1 No school 2 Primary (1- 4 classes) 3 Gymnasium (5-8 classes) 4 First level of high school (9-10 classes) 5 General high school (9-12 classes) 6 Professional high school (9-12 classes) 8 College degree 9 University (including Master degree) 10 Doctoral studies Sysmiss Highest level of education achieved Highest level of education achieved Highest level of education achieved Highest level of education achieved Highest level of education achieved Highest level of education achieved 729 889 1 No school 2 Primary (1- 4 classes) 3 Gymnasium (5-8 classes) 4 First level of high school (9-10 classes) 5 General high school (9-12 classes) 6 Professional high school (9-12 classes) 8 College degree 9 University (including Master degree) 10 Doctoral studies Sysmiss Highest level of education achieved Highest level of education achieved Highest level of education achieved Highest level of education achieved Highest level of education achieved Highest level of education achieved 291 1327 1 No school 2 Primary (1- 4 classes) 3 Gymnasium (5-8 classes) 4 First level of high school (9-10 classes) 5 General high school (9-12 classes) 6 Professional high school (9-12 classes) 8 College degree 9 University (including Master degree) 10 Doctoral studies Sysmiss Highest level of education achieved Highest level of education achieved Highest level of education achieved Highest level of education achieved Highest level of education achieved Highest level of education achieved 61 1557 1 No school 2 Primary (1- 4 classes) 3 Gymnasium (5-8 classes) 4 First level of high school (9-10 classes) 5 General high school (9-12 classes) 6 Professional high school (9-12 classes) 8 College degree 9 University (including Master degree) 10 Doctoral studies Sysmiss Highest level of education achieved Highest level of education achieved Highest level of education achieved Highest level of education achieved Highest level of education achieved Highest level of education achieved 26 1592 1 No school 2 Primary (1- 4 classes) 3 Gymnasium (5-8 classes) 4 First level of high school (9-10 classes) 5 General high school (9-12 classes) 6 Professional high school (9-12 classes) 8 College degree 9 University (including Master degree) 10 Doctoral studies Sysmiss Highest level of education achieved Highest level of education achieved Highest level of education achieved Highest level of education achieved Highest level of education achieved Highest level of education achieved 9 1609 1 No school 2 Primary (1- 4 classes) 3 Gymnasium (5-8 classes) 4 First level of high school (9-10 classes) 5 General high school (9-12 classes) 6 Professional high school (9-12 classes) 8 College degree 9 University (including Master degree) 10 Doctoral studies Sysmiss Highest level of education achieved Highest level of education achieved Highest level of education achieved Highest level of education achieved Highest level of education achieved Highest level of education achieved 1 1617 1 No school 2 Primary (1- 4 classes) 3 Gymnasium (5-8 classes) 4 First level of high school (9-10 classes) 5 General high school (9-12 classes) 6 Professional high school (9-12 classes) 8 College degree 9 University (including Master degree) 10 Doctoral studies Sysmiss Main occupational status in the present Main occupational status in the present Main occupational status in the present Main occupational status in the present Main occupational status in the present Main occupational status in the present 1615 3 1 Employee 2 Other status of employed persons 3 Business owner 4 Self-employed person in non-agricultural activities 5 Self-employed person in agricultural activities 6 Family helper 7 Registered as unemployed 8 Unregistered unemployed 9 Retired - due to age 10 Retired - other causes 11 Pupil, student 12 Housewife 13 Person unable to work 14 Another status of non working person Sysmiss Main occupational status in the present Main occupational status in the present Main occupational status in the present Main occupational status in the present Main occupational status in the present Main occupational status in the present 1327 291 1 Employee 2 Other status of employed persons 3 Business owner 4 Self-employed person in non-agricultural activities 5 Self-employed person in agricultural activities 6 Family helper 7 Registered as unemployed 8 Unregistered unemployed 9 Retired - due to age 10 Retired - other causes 11 Pupil, student 12 Housewife 13 Person unable to work 14 Another status of non working person Sysmiss Main occupational status in the present Main occupational status in the present Main occupational status in the present Main occupational status in the present Main occupational status in the present Main occupational status in the present 731 887 1 Employee 2 Other status of employed persons 3 Business owner 4 Self-employed person in non-agricultural activities 5 Self-employed person in agricultural activities 6 Family helper 7 Registered as unemployed 8 Unregistered unemployed 9 Retired - due to age 10 Retired - other causes 11 Pupil, student 12 Housewife 13 Person unable to work 14 Another status of non working person Sysmiss Main occupational status in the present Main occupational status in the present Main occupational status in the present Main occupational status in the present Main occupational status in the present Main occupational status in the present 293 1325 1 Employee 2 Other status of employed persons 3 Business owner 4 Self-employed person in non-agricultural activities 5 Self-employed person in agricultural activities 6 Family helper 7 Registered as unemployed 8 Unregistered unemployed 9 Retired - due to age 10 Retired - other causes 11 Pupil, student 12 Housewife 13 Person unable to work 14 Another status of non working person Sysmiss Main occupational status in the present Main occupational status in the present Main occupational status in the present Main occupational status in the present Main occupational status in the present Main occupational status in the present 61 1557 1 Employee 2 Other status of employed persons 3 Business owner 4 Self-employed person in non-agricultural activities 5 Self-employed person in agricultural activities 6 Family helper 7 Registered as unemployed 8 Unregistered unemployed 9 Retired - due to age 10 Retired - other causes 11 Pupil, student 12 Housewife 13 Person unable to work 14 Another status of non working person Sysmiss Main occupational status in the present Main occupational status in the present Main occupational status in the present Main occupational status in the present Main occupational status in the present Main occupational status in the present 26 1592 1 Employee 2 Other status of employed persons 3 Business owner 4 Self-employed person in non-agricultural activities 5 Self-employed person in agricultural activities 6 Family helper 7 Registered as unemployed 8 Unregistered unemployed 9 Retired - due to age 10 Retired - other causes 11 Pupil, student 12 Housewife 13 Person unable to work 14 Another status of non working person Sysmiss Main occupational status in the present Main occupational status in the present Main occupational status in the present Main occupational status in the present Main occupational status in the present Main occupational status in the present 9 1609 1 Employee 2 Other status of employed persons 3 Business owner 4 Self-employed person in non-agricultural activities 5 Self-employed person in agricultural activities 6 Family helper 7 Registered as unemployed 8 Unregistered unemployed 9 Retired - due to age 10 Retired - other causes 11 Pupil, student 12 Housewife 13 Person unable to work 14 Another status of non working person Sysmiss Main occupational status in the present Main occupational status in the present Main occupational status in the present Main occupational status in the present Main occupational status in the present Main occupational status in the present 1 1617 1 Employee 2 Other status of employed persons 3 Business owner 4 Self-employed person in non-agricultural activities 5 Self-employed person in agricultural activities 6 Family helper 7 Registered as unemployed 8 Unregistered unemployed 9 Retired - due to age 10 Retired - other causes 11 Pupil, student 12 Housewife 13 Person unable to work 14 Another status of non working person Sysmiss Main occupation Main occupation Main occupation Main occupation Main occupation Main occupation FOR PERSONS WITH OCCUPATION ONLY to be completed only for the persons aged 15+, members of the household 778 840 1 Manager,business owner,entrepreneur,mayor,local counselllor 2 Intellectual occupations: teacher, physician, economist 3 Technicians or foremen 4 Clerks: secretary, librarian, cashier etc. 5 Workers in services and commerce 6 Qualified farmers or self-employed in agriculture 7 Craftsmen and maintenance mechanics 8 Skilled workers and operators 9 Unskilled workers in non-agricultural sectors 10 Daily workers/black market workers in agriculture 11 Daily workers/black market workers in non-agricultural act. 12 Military officer Sysmiss Main occupation Main occupation Main occupation Main occupation Main occupation Main occupation FOR PERSONS WITH OCCUPATION ONLY to be completed only for the persons aged 15+, members of the household 811 807 1 Manager,business owner,entrepreneur,mayor,local counselllor 2 Intellectual occupations: teacher, physician, economist 3 Technicians or foremen 4 Clerks: secretary, librarian, cashier etc. 5 Workers in services and commerce 6 Qualified farmers or self-employed in agriculture 7 Craftsmen and maintenance mechanics 8 Skilled workers and operators 9 Unskilled workers in non-agricultural sectors 10 Daily workers/black market workers in agriculture 11 Daily workers/black market workers in non-agricultural act. 12 Military officer Sysmiss Main occupation Main occupation Main occupation Main occupation Main occupation Main occupation FOR PERSONS WITH OCCUPATION ONLY to be completed only for the persons aged 15+, members of the household 315 1303 1 Manager,business owner,entrepreneur,mayor,local counselllor 2 Intellectual occupations: teacher, physician, economist 3 Technicians or foremen 4 Clerks: secretary, librarian, cashier etc. 5 Workers in services and commerce 6 Qualified farmers or self-employed in agriculture 7 Craftsmen and maintenance mechanics 8 Skilled workers and operators 9 Unskilled workers in non-agricultural sectors 10 Daily workers/black market workers in agriculture 11 Daily workers/black market workers in non-agricultural act. 12 Military officer Sysmiss Main occupation Main occupation Main occupation Main occupation Main occupation Main occupation FOR PERSONS WITH OCCUPATION ONLY to be completed only for the persons aged 15+, members of the household 70 1548 1 Manager,business owner,entrepreneur,mayor,local counselllor 2 Intellectual occupations: teacher, physician, economist 3 Technicians or foremen 4 Clerks: secretary, librarian, cashier etc. 5 Workers in services and commerce 6 Qualified farmers or self-employed in agriculture 7 Craftsmen and maintenance mechanics 8 Skilled workers and operators 9 Unskilled workers in non-agricultural sectors 10 Daily workers/black market workers in agriculture 11 Daily workers/black market workers in non-agricultural act. 12 Military officer Sysmiss Main occupation Main occupation Main occupation Main occupation Main occupation Main occupation FOR PERSONS WITH OCCUPATION ONLY to be completed only for the persons aged 15+, members of the household 5 1613 1 Manager,business owner,entrepreneur,mayor,local counselllor 2 Intellectual occupations: teacher, physician, economist 3 Technicians or foremen 4 Clerks: secretary, librarian, cashier etc. 5 Workers in services and commerce 6 Qualified farmers or self-employed in agriculture 7 Craftsmen and maintenance mechanics 8 Skilled workers and operators 9 Unskilled workers in non-agricultural sectors 10 Daily workers/black market workers in agriculture 11 Daily workers/black market workers in non-agricultural act. 12 Military officer Sysmiss Main occupation Main occupation Main occupation Main occupation Main occupation Main occupation FOR PERSONS WITH OCCUPATION ONLY to be completed only for the persons aged 15+, members of the household 1 1617 1 Manager,business owner,entrepreneur,mayor,local counselllor 2 Intellectual occupations: teacher, physician, economist 3 Technicians or foremen 4 Clerks: secretary, librarian, cashier etc. 5 Workers in services and commerce 6 Qualified farmers or self-employed in agriculture 7 Craftsmen and maintenance mechanics 8 Skilled workers and operators 9 Unskilled workers in non-agricultural sectors 10 Daily workers/black market workers in agriculture 11 Daily workers/black market workers in non-agricultural act. 12 Military officer Sysmiss Main occupation Main occupation Main occupation Main occupation Main occupation Main occupation FOR PERSONS WITH OCCUPATION ONLY to be completed only for the persons aged 15+, members of the household 1618 1 Manager,business owner,entrepreneur,mayor,local counselllor 2 Intellectual occupations: teacher, physician, economist 3 Technicians or foremen 4 Clerks: secretary, librarian, cashier etc. 5 Workers in services and commerce 6 Qualified farmers or self-employed in agriculture 7 Craftsmen and maintenance mechanics 8 Skilled workers and operators 9 Unskilled workers in non-agricultural sectors 10 Daily workers/black market workers in agriculture 11 Daily workers/black market workers in non-agricultural act. 12 Military officer Sysmiss Main occupation Main occupation Main occupation Main occupation Main occupation Main occupation FOR PERSONS WITH OCCUPATION ONLY to be completed only for the persons aged 15+, members of the household 1618 1 Manager,business owner,entrepreneur,mayor,local counselllor 2 Intellectual occupations: teacher, physician, economist 3 Technicians or foremen 4 Clerks: secretary, librarian, cashier etc. 5 Workers in services and commerce 6 Qualified farmers or self-employed in agriculture 7 Craftsmen and maintenance mechanics 8 Skilled workers and operators 9 Unskilled workers in non-agricultural sectors 10 Daily workers/black market workers in agriculture 11 Daily workers/black market workers in non-agricultural act. 12 Military officer Sysmiss Main source of income Main source of income Main source of income Main source of income Main source of income Main source of income to be completed only for the persons aged 15+, members of the household 1563 55 No income 1 Salary/ wages 3 Income from self-employed authorized non-agricultural act. 4 Daily paid or occasional incomes, inclusively black market 5 Old age pension 6 Disability, illness, veteran pension 8 Unemployment/ redundancy benefit 9 Scholarship 10 Child allowance 11 The minimum guaranteed income, social allowance 12 Other social transfers 13 Money received from relatives who work abroad 14 Private transfers 15 Income from investments, savings or proprieties 16 Income from self-employment agricultural activities 17 Other Sysmiss Main source of income Main source of income Main source of income Main source of income Main source of income Main source of income to be completed only for the persons aged 15+, members of the household 1271 347 No income 1 Salary/ wages 3 Income from self-employed authorized non-agricultural act. 4 Daily paid or occasional incomes, inclusively black market 5 Old age pension 6 Disability, illness, veteran pension 8 Unemployment/ redundancy benefit 9 Scholarship 10 Child allowance 11 The minimum guaranteed income, social allowance 12 Other social transfers 13 Money received from relatives who work abroad 14 Private transfers 15 Income from investments, savings or proprieties 16 Income from self-employment agricultural activities 17 Other Sysmiss Main source of income Main source of income Main source of income Main source of income Main source of income Main source of income to be completed only for the persons aged 15+, members of the household 542 1076 No income 1 Salary/ wages 3 Income from self-employed authorized non-agricultural act. 4 Daily paid or occasional incomes, inclusively black market 5 Old age pension 6 Disability, illness, veteran pension 8 Unemployment/ redundancy benefit 9 Scholarship 10 Child allowance 11 The minimum guaranteed income, social allowance 12 Other social transfers 13 Money received from relatives who work abroad 14 Private transfers 15 Income from investments, savings or proprieties 16 Income from self-employment agricultural activities 17 Other Sysmiss Main source of income Main source of income Main source of income Main source of income Main source of income Main source of income to be completed only for the persons aged 15+, members of the household 167 1451 No income 1 Salary/ wages 3 Income from self-employed authorized non-agricultural act. 4 Daily paid or occasional incomes, inclusively black market 5 Old age pension 6 Disability, illness, veteran pension 8 Unemployment/ redundancy benefit 9 Scholarship 10 Child allowance 11 The minimum guaranteed income, social allowance 12 Other social transfers 13 Money received from relatives who work abroad 14 Private transfers 15 Income from investments, savings or proprieties 16 Income from self-employment agricultural activities 17 Other Sysmiss Main source of income Main source of income Main source of income Main source of income Main source of income Main source of income to be completed only for the persons aged 15+, members of the household 24 1594 No income 1 Salary/ wages 3 Income from self-employed authorized non-agricultural act. 4 Daily paid or occasional incomes, inclusively black market 5 Old age pension 6 Disability, illness, veteran pension 8 Unemployment/ redundancy benefit 9 Scholarship 10 Child allowance 11 The minimum guaranteed income, social allowance 12 Other social transfers 13 Money received from relatives who work abroad 14 Private transfers 15 Income from investments, savings or proprieties 16 Income from self-employment agricultural activities 17 Other Sysmiss Main source of income Main source of income Main source of income Main source of income Main source of income Main source of income to be completed only for the persons aged 15+, members of the household 5 1613 No income 1 Salary/ wages 3 Income from self-employed authorized non-agricultural act. 4 Daily paid or occasional incomes, inclusively black market 5 Old age pension 6 Disability, illness, veteran pension 8 Unemployment/ redundancy benefit 9 Scholarship 10 Child allowance 11 The minimum guaranteed income, social allowance 12 Other social transfers 13 Money received from relatives who work abroad 14 Private transfers 15 Income from investments, savings or proprieties 16 Income from self-employment agricultural activities 17 Other Sysmiss Main source of income Main source of income Main source of income Main source of income Main source of income Main source of income to be completed only for the persons aged 15+, members of the household 2 1616 No income 1 Salary/ wages 3 Income from self-employed authorized non-agricultural act. 4 Daily paid or occasional incomes, inclusively black market 5 Old age pension 6 Disability, illness, veteran pension 8 Unemployment/ redundancy benefit 9 Scholarship 10 Child allowance 11 The minimum guaranteed income, social allowance 12 Other social transfers 13 Money received from relatives who work abroad 14 Private transfers 15 Income from investments, savings or proprieties 16 Income from self-employment agricultural activities 17 Other Sysmiss Main source of income Main source of income Main source of income Main source of income Main source of income Main source of income to be completed only for the persons aged 15+, members of the household 1618 No income 1 Salary/ wages 3 Income from self-employed authorized non-agricultural act. 4 Daily paid or occasional incomes, inclusively black market 5 Old age pension 6 Disability, illness, veteran pension 8 Unemployment/ redundancy benefit 9 Scholarship 10 Child allowance 11 The minimum guaranteed income, social allowance 12 Other social transfers 13 Money received from relatives who work abroad 14 Private transfers 15 Income from investments, savings or proprieties 16 Income from self-employment agricultural activities 17 Other Sysmiss Last month (April 2010), the total amount received from salaries, pensions, child Last month (April 2010), the total amount received from salaries, pensions, child Last month (April 2010), the total amount received from salaries, pensions, child Last month (April 2010), the total amount received from salaries, pensions, child Last month (April 2010), the total amount received from salaries, pensions, child Last month (April 2010), the total amount received from salaries, pensions, child allowances, sales, etc. by all household members (including the respondent) was approximately 1618 -9 No answer -8 Don't know No income 30 47 50 100 105 115 120 121 134 136 139 140 143 145 150 151 152 157 159 160 164 165 168 170 173 175 177 180 181 186 190 194 195 196 198 200 205 208 210 212 218 220 224 230 235 240 245 250 256 259 260 263 270 271 275 276 280 290 292 295 299 300 310 311 315 320 322 324 330 335 339 340 344 350 356 358 360 370 376 380 385 390 398 400 410 420 426 430 436 440 450 455 460 465 470 474 480 488 490 495 500 510 515 518 520 530 535 540 550 560 562 570 580 590 600 610 620 630 640 648 650 660 670 680 685 700 720 730 740 750 760 780 800 815 840 850 860 880 900 920 930 945 950 970 980 1000 1050 1070 1100 1120 1140 1150 1200 1270 1300 1320 1350 1360 1400 1440 1450 1500 1600 1700 1760 1800 1850 1900 2000 2100 2150 2200 2300 2400 2500 2800 3000 3500 4000 And the total amount received by the respondent was approximately… And the total amount received by the respondent was approximately… And the total amount received by the respondent was approximately… And the total amount received by the respondent was approximately… And the total amount received by the respondent was approximately… And the total amount received by the respondent (CPERS=01) was approximately... 1618 -9 No answer -8 Don't know No income 15 18 20 21 25 30 35 36 40 47 50 70 80 86 100 105 110 114 115 116 120 121 130 135 136 139 140 143 145 150 151 152 153 155 157 159 160 164 165 166 167 168 170 173 175 177 180 181 182 185 190 194 195 196 198 200 205 206 210 212 215 218 220 224 225 227 230 235 240 245 250 256 260 263 265 270 271 272 275 280 289 290 292 295 300 305 310 311 314 320 324 330 336 340 350 360 370 380 390 400 405 410 416 420 430 435 440 445 450 460 470 480 500 520 530 540 550 560 580 595 600 620 630 648 650 680 700 750 780 800 820 850 900 950 1000 1200 1300 1400 1450 1500 1600 1700 1950 2000 List of financial services - Financial service 1 List of financial services - Financial service 1 List of financial services - Financial service 1 List of financial services - Financial service 1 List of financial services - Financial service 1 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 874 744 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 2 List of financial services - Financial service 2 List of financial services - Financial service 2 List of financial services - Financial service 2 List of financial services - Financial service 2 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 455 1163 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 3 List of financial services - Financial service 3 List of financial services - Financial service 3 List of financial services - Financial service 3 List of financial services - Financial service 3 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 216 1402 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 4 List of financial services - Financial service 4 List of financial services - Financial service 4 List of financial services - Financial service 4 List of financial services - Financial service 4 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 89 1529 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 5 List of financial services - Financial service 5 List of financial services - Financial service 5 List of financial services - Financial service 5 List of financial services - Financial service 5 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 40 1578 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 6 List of financial services - Financial service 6 List of financial services - Financial service 6 List of financial services - Financial service 6 List of financial services - Financial service 6 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 19 1599 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 7 List of financial services - Financial service 7 List of financial services - Financial service 7 List of financial services - Financial service 7 List of financial services - Financial service 7 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 1 1617 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 1 List of financial services - Financial service 1 List of financial services - Financial service 1 List of financial services - Financial service 1 List of financial services - Financial service 1 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 626 992 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 2 List of financial services - Financial service 2 List of financial services - Financial service 2 List of financial services - Financial service 2 List of financial services - Financial service 2 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 274 1344 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 3 List of financial services - Financial service 3 List of financial services - Financial service 3 List of financial services - Financial service 3 List of financial services - Financial service 3 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 117 1501 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 4 List of financial services - Financial service 4 List of financial services - Financial service 4 List of financial services - Financial service 4 List of financial services - Financial service 4 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 36 1582 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 5 List of financial services - Financial service 5 List of financial services - Financial service 5 List of financial services - Financial service 5 List of financial services - Financial service 5 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 12 1606 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 6 List of financial services - Financial service 6 List of financial services - Financial service 6 List of financial services - Financial service 6 List of financial services - Financial service 6 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 5 1613 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 1 List of financial services - Financial service 1 List of financial services - Financial service 1 List of financial services - Financial service 1 List of financial services - Financial service 1 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 218 1400 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 2 List of financial services - Financial service 2 List of financial services - Financial service 2 List of financial services - Financial service 2 List of financial services - Financial service 2 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 77 1541 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 3 List of financial services - Financial service 3 List of financial services - Financial service 3 List of financial services - Financial service 3 List of financial services - Financial service 3 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 23 1595 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 4 List of financial services - Financial service 4 List of financial services - Financial service 4 List of financial services - Financial service 4 List of financial services - Financial service 4 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 5 1613 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 5 List of financial services - Financial service 5 List of financial services - Financial service 5 List of financial services - Financial service 5 List of financial services - Financial service 5 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 2 1616 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 6 List of financial services - Financial service 6 List of financial services - Financial service 6 List of financial services - Financial service 6 List of financial services - Financial service 6 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 1 1617 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 1 List of financial services - Financial service 1 List of financial services - Financial service 1 List of financial services - Financial service 1 List of financial services - Financial service 1 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 59 1559 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 2 List of financial services - Financial service 2 List of financial services - Financial service 2 List of financial services - Financial service 2 List of financial services - Financial service 2 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 11 1607 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 3 List of financial services - Financial service 3 List of financial services - Financial service 3 List of financial services - Financial service 3 List of financial services - Financial service 3 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 3 1615 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 4 List of financial services - Financial service 4 List of financial services - Financial service 4 List of financial services - Financial service 4 List of financial services - Financial service 4 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 1618 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 5 List of financial services - Financial service 5 List of financial services - Financial service 5 List of financial services - Financial service 5 List of financial services - Financial service 5 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 1618 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 6 List of financial services - Financial service 6 List of financial services - Financial service 6 List of financial services - Financial service 6 List of financial services - Financial service 6 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 1618 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 1 List of financial services - Financial service 1 List of financial services - Financial service 1 List of financial services - Financial service 1 List of financial services - Financial service 1 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 4 1614 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 2 List of financial services - Financial service 2 List of financial services - Financial service 2 List of financial services - Financial service 2 List of financial services - Financial service 2 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 1618 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 3 List of financial services - Financial service 3 List of financial services - Financial service 3 List of financial services - Financial service 3 List of financial services - Financial service 3 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 1618 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 4 List of financial services - Financial service 4 List of financial services - Financial service 4 List of financial services - Financial service 4 List of financial services - Financial service 4 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 1618 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 5 List of financial services - Financial service 5 List of financial services - Financial service 5 List of financial services - Financial service 5 List of financial services - Financial service 5 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 1618 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 6 List of financial services - Financial service 6 List of financial services - Financial service 6 List of financial services - Financial service 6 List of financial services - Financial service 6 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 1618 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 1 List of financial services - Financial service 1 List of financial services - Financial service 1 List of financial services - Financial service 1 List of financial services - Financial service 1 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 2 1616 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 2 List of financial services - Financial service 2 List of financial services - Financial service 2 List of financial services - Financial service 2 List of financial services - Financial service 2 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 1618 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 3 List of financial services - Financial service 3 List of financial services - Financial service 3 List of financial services - Financial service 3 List of financial services - Financial service 3 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 1618 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 4 List of financial services - Financial service 4 List of financial services - Financial service 4 List of financial services - Financial service 4 List of financial services - Financial service 4 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 1618 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 5 List of financial services - Financial service 5 List of financial services - Financial service 5 List of financial services - Financial service 5 List of financial services - Financial service 5 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 1618 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 6 List of financial services - Financial service 6 List of financial services - Financial service 6 List of financial services - Financial service 6 List of financial services - Financial service 6 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 1618 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 1 List of financial services - Financial service 1 List of financial services - Financial service 1 List of financial services - Financial service 1 List of financial services - Financial service 1 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 1618 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 2 List of financial services - Financial service 2 List of financial services - Financial service 2 List of financial services - Financial service 2 List of financial services - Financial service 2 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 1618 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 3 List of financial services - Financial service 3 List of financial services - Financial service 3 List of financial services - Financial service 3 List of financial services - Financial service 3 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 1618 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 4 List of financial services - Financial service 4 List of financial services - Financial service 4 List of financial services - Financial service 4 List of financial services - Financial service 4 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 1618 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 5 List of financial services - Financial service 5 List of financial services - Financial service 5 List of financial services - Financial service 5 List of financial services - Financial service 5 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 1618 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 6 List of financial services - Financial service 6 List of financial services - Financial service 6 List of financial services - Financial service 6 List of financial services - Financial service 6 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 1618 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 1 List of financial services - Financial service 1 List of financial services - Financial service 1 List of financial services - Financial service 1 List of financial services - Financial service 1 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 1618 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 2 List of financial services - Financial service 2 List of financial services - Financial service 2 List of financial services - Financial service 2 List of financial services - Financial service 2 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 1618 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 3 List of financial services - Financial service 3 List of financial services - Financial service 3 List of financial services - Financial service 3 List of financial services - Financial service 3 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 1618 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 4 List of financial services - Financial service 4 List of financial services - Financial service 4 List of financial services - Financial service 4 List of financial services - Financial service 4 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 1618 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 5 List of financial services - Financial service 5 List of financial services - Financial service 5 List of financial services - Financial service 5 List of financial services - Financial service 5 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 1618 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss List of financial services - Financial service 6 List of financial services - Financial service 6 List of financial services - Financial service 6 List of financial services - Financial service 6 List of financial services - Financial service 6 Financial service to be completed only for the persons aged 15+, members of the household. In case of bank deposits/ insurance policies made by the parents for their children aged under 15, the code of the financial service is written on one of the parent's line. 1618 1 Consumer loan 2 Mortgage loan 3 Current account 4 Bank deposit 5 Bank debit card 6 Bank credit card 7 Insurance policies 8 Private pensions 9 Investments in shares 10 Investment funds 11 Loans from Mutual Help Associations 12 Car loans 13 Pawning goods 14 Loans from Jet Credit, T.B.I or other non-banking financial 15 Loans from usurers 16 Loans from relatives, friends, acquaintances 17 Buying on credit (informally - "pe caiet") from food shops 18 Buying on credit from the electrical appliances shops Sysmiss Life insurance Life insurance Life insurance Life insurance Life insurance If the respondent has insurance policies What type of insurances policies do you have? 276 1342 1 Yes 2 No Sysmiss Medical insurance Medical insurance Medical insurance Medical insurance Medical insurance If the respondent has insurance policies What type of insurances policies do you have? 259 1359 1 Yes 2 No Sysmiss House insurance House insurance House insurance House insurance House insurance If the respondent has insurance policies What type of insurances policies do you have? 268 1350 1 Yes 2 No Sysmiss Car insurance - CASCO Car insurance - CASCO Car insurance - CASCO Car insurance - CASCO Car insurance - CASCO If the respondent has insurance policies What type of insurances policies do you have? 269 1349 1 Yes 2 No Sysmiss Terrains and/ or crop insurance Terrains and/ or crop insurance Terrains and/ or crop insurance Terrains and/ or crop insurance Terrains and/ or crop insurance If the respondent has insurance policies What type of insurances policies do you have? 253 1365 1 Yes 2 No Sysmiss Other Other Other Other Other If the respondent has insurance policies What type of insurances policies do you have? 142 1476 1 Yes 2 No Sysmiss Did you buy the insurance policy/ies on your own or they were imposed with other Did you buy the insurance policy/ies on your own or they were imposed with other Did you buy the insurance policy/ies on your own or they were imposed with other Did you buy the insurance policy/ies on your own or they were imposed with other Did you buy the insurance policy/ies on your own or they were imposed with other Did you buy the insurance policy/ies on your own or they were imposed with other financial services (credit, leasing, etc.) 253 1365 1 Bought them on my own 2 Imposed with other financial services 3 Both situations 9 Don't know Sysmiss Name of the bank or non-banking financial institution - loan 1 Name of the bank or non-banking financial institution - loan 1 Name of the bank or non-banking financial institution - loan 1 Name of the bank or non-banking financial institution - loan 1 Name of the bank or non-banking financial institution - loan 1 If the respondent has loans Name of the bank or non-banking financial institution 213 1405 1 Postbank 2 United Bulgarian Bank 3 Raiffeisenbank Bulgaria 5 TBI Credit 6 Alpha Bank 7 Economic Investment Bank 8 Investbank 9 DSK bank 10 BNP Paribas 11 Central Cooperative bank 12 First Investment Bank 13 SG Expressbank 14 Piraeus bank 15 Procredit bank 16 Unicredit Bulbank 17 Jet Credit 18 Credit Home 19 Allianz bank 20 Mutual Help Association 21 International Asset bank 22 Emporiki bank Sysmiss Name of the bank or non-banking financial institution - loan 2 Name of the bank or non-banking financial institution - loan 2 Name of the bank or non-banking financial institution - loan 2 Name of the bank or non-banking financial institution - loan 2 Name of the bank or non-banking financial institution - loan 2 If the respondent has loans Name of the bank or non-banking financial institution 23 1595 1 Postbank 2 United Bulgarian Bank 3 Raiffeisenbank Bulgaria 5 TBI Credit 6 Alpha Bank 7 Economic Investment Bank 8 Investbank 9 DSK bank 10 BNP Paribas 11 Central Cooperative bank 12 First Investment Bank 13 SG Expressbank 14 Piraeus bank 15 Procredit bank 16 Unicredit Bulbank 17 Jet Credit 18 Credit Home 19 Allianz bank 20 Mutual Help Association 21 International Asset bank 22 Emporiki bank Sysmiss Name of the bank or non-banking financial institution - loan 3 Name of the bank or non-banking financial institution - loan 3 Name of the bank or non-banking financial institution - loan 3 Name of the bank or non-banking financial institution - loan 3 Name of the bank or non-banking financial institution - loan 3 If the respondent has loans Name of the bank or non-banking financial institution 2 1616 1 Postbank 2 United Bulgarian Bank 3 Raiffeisenbank Bulgaria 5 TBI Credit 6 Alpha Bank 7 Economic Investment Bank 8 Investbank 9 DSK bank 10 BNP Paribas 11 Central Cooperative bank 12 First Investment Bank 13 SG Expressbank 14 Piraeus bank 15 Procredit bank 16 Unicredit Bulbank 17 Jet Credit 18 Credit Home 19 Allianz bank 20 Mutual Help Association 21 International Asset bank 22 Emporiki bank Sysmiss Loan reimbursement period (no of months) - loan 1 Loan reimbursement period (no of months) - loan 1 Loan reimbursement period (no of months) - loan 1 Loan reimbursement period (no of months) - loan 1 Loan reimbursement period (no of months) - loan 1 If the respondent has loans Loan reimbursement period (no of months) 215 1403 1 510 67.614 70.394 Loan reimbursement period (no of months) - loan 2 Loan reimbursement period (no of months) - loan 2 Loan reimbursement period (no of months) - loan 2 Loan reimbursement period (no of months) - loan 2 Loan reimbursement period (no of months) - loan 2 If the respondent has loans Loan reimbursement period (no of months) 20 1598 6 240 47.4 56.574 Loan reimbursement period (no of months) - loan 3 Loan reimbursement period (no of months) - loan 3 Loan reimbursement period (no of months) - loan 3 Loan reimbursement period (no of months) - loan 3 Loan reimbursement period (no of months) - loan 3 If the respondent has loans Loan reimbursement period (no of months) 1 1617 36 Sysmiss Loan type - loan 1 Loan type - loan 1 Loan type - loan 1 Loan type - loan 1 Loan type - loan 1 If the respondent has loans Loan type 249 1369 1 Consumer 2 Mortgage Sysmiss Loan type - loan 2 Loan type - loan 2 Loan type - loan 2 Loan type - loan 2 Loan type - loan 2 If the respondent has loans Loan type 23 1595 1 Consumer 2 Mortgage Sysmiss Loan type - loan 3 Loan type - loan 3 Loan type - loan 3 Loan type - loan 3 Loan type - loan 3 If the respondent has loans Loan type 1 1617 1 Consumer 2 Mortgage Sysmiss Currency - loan 1 Currency - loan 1 Currency - loan 1 Currency - loan 1 Currency - loan 1 If the respondent has loans Currency 247 1371 1 Lev 2 Foreign currency Sysmiss Currency - loan 2 Currency - loan 2 Currency - loan 2 Currency - loan 2 Currency - loan 2 If the respondent has loans Currency 24 1594 1 Lev 2 Foreign currency Sysmiss Currency - loan 3 Currency - loan 3 Currency - loan 3 Currency - loan 3 Currency - loan 3 If the respondent has loans Currency 1 1617 1 Lev 2 Foreign currency Sysmiss Interest rate - loan 1 Interest rate - loan 1 Interest rate - loan 1 Interest rate - loan 1 Interest rate - loan 1 If the respondent has loans Interest rate 234 1384 1 Fixed 2 Variable Sysmiss Interest rate - loan 2 Interest rate - loan 2 Interest rate - loan 2 Interest rate - loan 2 Interest rate - loan 2 If the respondent has loans Interest rate 24 1594 1 Fixed 2 Variable Sysmiss Interest rate - loan 3 Interest rate - loan 3 Interest rate - loan 3 Interest rate - loan 3 Interest rate - loan 3 If the respondent has loans Interest rate 1 1617 1 Fixed 2 Variable Sysmiss Do you have any delays in paying your monthly instalments? - loan 1 Do you have any delays in paying your monthly instalments? - loan 1 Do you have any delays in paying your monthly instalments? - loan 1 Do you have any delays in paying your monthly instalments? - loan 1 Do you have any delays in paying your monthly instalments? - loan 1 If the respondent has loans Now, do you have any delays in paying your monthly instalments? 246 1372 1 Yes 2 No Sysmiss Do you have any delays in paying your monthly instalments? - loan 2 Do you have any delays in paying your monthly instalments? - loan 2 Do you have any delays in paying your monthly instalments? - loan 2 Do you have any delays in paying your monthly instalments? - loan 2 Do you have any delays in paying your monthly instalments? - loan 2 If the respondent has loans Now, do you have any delays in paying your monthly instalments? 24 1594 1 Yes 2 No Sysmiss Do you have any delays in paying your monthly instalments? - loan 3 Do you have any delays in paying your monthly instalments? - loan 3 Do you have any delays in paying your monthly instalments? - loan 3 Do you have any delays in paying your monthly instalments? - loan 3 Do you have any delays in paying your monthly instalments? - loan 3 If the respondent has loans Now, do you have any delays in paying your monthly instalments? 1 1617 1 Yes 2 No Sysmiss Do you face any difficulties paying the monthly instalments? - loan 1 Do you face any difficulties paying the monthly instalments? - loan 1 Do you face any difficulties paying the monthly instalments? - loan 1 Do you face any difficulties paying the monthly instalments? - loan 1 Do you face any difficulties paying the monthly instalments? - loan 1 If the respondent has loans Do you face any difficulties paying the monthly instalments? 244 1374 1 Yes 2 No Sysmiss Do you face any difficulties paying the monthly instalments? - loan 2 Do you face any difficulties paying the monthly instalments? - loan 2 Do you face any difficulties paying the monthly instalments? - loan 2 Do you face any difficulties paying the monthly instalments? - loan 2 Do you face any difficulties paying the monthly instalments? - loan 2 If the respondent has loans Do you face any difficulties paying the monthly instalments? 23 1595 1 Yes 2 No Sysmiss Do you face any difficulties paying the monthly instalments? - loan 3 Do you face any difficulties paying the monthly instalments? - loan 3 Do you face any difficulties paying the monthly instalments? - loan 3 Do you face any difficulties paying the monthly instalments? - loan 3 Do you face any difficulties paying the monthly instalments? - loan 3 If the respondent has loans Do you face any difficulties paying the monthly instalments? 1618 1 Yes 2 No Sysmiss How do you assess your insurance policies - Life insurance How do you assess your insurance policies - Life insurance How do you assess your insurance policies - Life insurance How do you assess your insurance policies - Life insurance How do you assess your insurance policies - Life insurance How do you assess your insurance policies - Life insurance 1618 1 My life is insured for the required amount 2 My life is insured but the amount is lower than required 3 My life need to be insured, but it is too expensive 4 My life need to be insured but I don't believe the ins.comp. 5 We don't need insurance 6 Don't know How do you assess your insurance policies - House insurance How do you assess your insurance policies - House insurance How do you assess your insurance policies - House insurance How do you assess your insurance policies - House insurance How do you assess your insurance policies - House insurance How do you assess your insurance policies - House insurance 1618 1 My house is insured for the required amount 2 My house is insured but the amount is lower than required 3 My house need to be insured, but it is too expensive 4 My house need to be insured but I don't believe the ins.comp 5 We don't need insurance 6 Don't know The financial institutions you work with were imposed or did you choose them on y The financial institutions you work with were imposed or did you choose them on y The financial institutions you work with were imposed or did you choose them on y The financial institutions you work with were imposed or did you choose them on y The financial institutions you work with were imposed or did you choose them on y The financial institutions you work with were imposed or did you choose them on your own? Multiple response 1618 1 I chose it on my own, the bank, insurance company, etc. The financial institutions you work with were imposed or did you choose them on y The financial institutions you work with were imposed or did you choose them on y The financial institutions you work with were imposed or did you choose them on y The financial institutions you work with were imposed or did you choose them on y The financial institutions you work with were imposed or did you choose them on y The financial institutions you work with were imposed or did you choose them on your own? Multiple response 1618 2 It was imposed from work (salary card, pension card etc.) The financial institutions you work with were imposed or did you choose them on y The financial institutions you work with were imposed or did you choose them on y The financial institutions you work with were imposed or did you choose them on y The financial institutions you work with were imposed or did you choose them on y The financial institutions you work with were imposed or did you choose them on y The financial institutions you work with were imposed or did you choose them on your own? Multiple response 1618 3 I had access only to this financial institution The financial institutions you work with were imposed or did you choose them on y The financial institutions you work with were imposed or did you choose them on y The financial institutions you work with were imposed or did you choose them on y The financial institutions you work with were imposed or did you choose them on y The financial institutions you work with were imposed or did you choose them on y The financial institutions you work with were imposed or did you choose them on your own? Multiple response 1618 4 Other 5 My parents choose them 6 Insurance at school The financial institutions you work with were imposed or did you choose them on y The financial institutions you work with were imposed or did you choose them on y The financial institutions you work with were imposed or did you choose them on y The financial institutions you work with were imposed or did you choose them on y The financial institutions you work with were imposed or did you choose them on y The financial institutions you work with were imposed or did you choose them on your own? Multiple response 1618 97 I don't use any financial service The financial institutions you work with were imposed or did you choose them on y The financial institutions you work with were imposed or did you choose them on y The financial institutions you work with were imposed or did you choose them on y The financial institutions you work with were imposed or did you choose them on y The financial institutions you work with were imposed or did you choose them on y The financial institutions you work with were imposed or did you choose them on your own? Multiple response 1618 99 Don't know In the last 5 years, did you happen to buy a financial service which you were sor In the last 5 years, did you happen to buy a financial service which you were sor In the last 5 years, did you happen to buy a financial service which you were sor In the last 5 years, did you happen to buy a financial service which you were sor In the last 5 years, did you happen to buy a financial service which you were sor In the last 5 years, did you happen to buy a financial service which you were sorry about later as the service did not meet your needs? 1618 1 Yes 2 No 7 Does not use any Financial Service 9 Don't know 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? If Yes (code 1 at USF8) What kind of service was it? A consumer loan Multiple response 107 1511 1 A consumer loan 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? If Yes (code 1 at USF8) What kind of service was it? A mortgage loan Multiple response 107 1511 2 A mortgage loan 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? If Yes (code 1 at USF8) What kind of service was it? Current account Multiple response 107 1511 3 Current account 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? If Yes (code 1 at USF8) What kind of service was it? Bank deposit Multiple response 107 1511 4 Bank deposit 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? If Yes (code 1 at USF8) What kind of service was it? A bank debit card Multiple response 107 1511 5 A bank debit card 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? If Yes (code 1 at USF8) What kind of service was it? A bank credit card Multiple response 107 1511 6 A bank credit card 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? If Yes (code 1 at USF8) What kind of service was it? An insurance policy Multiple response 107 1511 7 An insurance policy 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? If Yes (code 1 at USF8) What kind of service was it? Private pensions Multiple response 107 1511 8 Private pensions 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? If Yes (code 1 at USF8) What kind of service was it? Investment in shares Multiple response 107 1511 9 Investment in shares 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? If Yes (code 1 at USF8) What kind of service was it? Investment funds Multiple response 107 1511 10 Investment funds 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? If Yes (code 1 at USF8) What kind of service was it? Loans from Mutual Help Associations Multiple response 107 1511 11 Loans from Mutual Help Associations 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? If Yes (code 1 at USF8) What kind of service was it? A car loan Multiple response 107 1511 12 A car loan 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? If Yes (code 1 at USF8) What kind of service was it? Pawning goods Multiple response 107 1511 13 Pawning goods 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? If Yes (code 1 at USF8) What kind of service was it? Loans from Jet Credit, T.B.I or other non-banking financial Multiple response 107 1511 14 Loans from Jet Credit, T.B.I or other non-banking financial 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? If Yes (code 1 at USF8) What kind of service was it? Loans from usurers Multiple response 107 1511 15 Loans from usurers 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? If Yes (code 1 at USF8) What kind of service was it? Loans from relatives, friends, acquaintances Multiple response 107 1511 16 Loans from relatives, friends, acquaintances 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? If Yes (code 1 at USF8) What kind of service was it? Buying on credit (informally - "pe caiet") from food shops Multiple response 107 1511 17 Buying on credit (informally - "pe caiet") from food shops 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? If Yes (code 1 at USF8) What kind of service was it? Buying on credit from the electrical appliances shop Multiple response 107 1511 18 Buying on credit from the electrical appliances shops 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? Nothing Multiple response 107 1511 1 Nothing 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? I stopped using the service before the contract expired (closed the deposit, account, sold the unit shares, canceled the insurance contract, etc.) Multiple response 107 1511 2 I stopped using the service before the contract expired 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? I submitted a grievance to the company which sold me the product Multiple response 107 1511 3 I submitted a grievance to the company which sold me the pro 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? I submitted a claim to the appropriate government authority Multiple response 107 1511 4 I submitted a claim to the appropriate government authority 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? Other Multiple response 107 1511 5 Other 7 I picked up a scandal 8 Deep in debt and wonder how to pay off 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? Don't know, Don't remember Multiple response 107 1511 99 Don't know, Don't remember Sysmiss Which of the descriptions comes closest to your household's income nowadays? Which of the descriptions comes closest to your household's income nowadays? Which of the descriptions comes closest to your household's income nowadays? Which of the descriptions comes closest to your household's income nowadays? Which of the descriptions comes closest to your household's income nowadays? Which of the descriptions comes closest to your household's income nowadays? 1618 1 We hardly make the ends meet 2 Enough money for food, difficulties in buying clothes 3 Enough for food & clothes,purchase of durables is problemati 4 No trouble buying durables, buying expensive thing is hard 5 We can afford quite expensive things 9 Don't know From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next 2 years? A consumer loan Multiple response 1618 1 A consumer loan From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next 2 years? A mortgage loan Multiple response 1618 2 A mortgage loan From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next 2 years? Current account Multiple response 1618 3 Current account From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next 2 years? Bank deposit Multiple response 1618 4 Bank deposit From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next 2 years? A bank debit card Multiple response 1618 5 A bank debit card From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next 2 years? A bank credit card Multiple response 1618 6 A bank credit card From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next 2 years? An insurance policy Multiple response 1618 7 An insurance policy From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next 2 years? Private pensions Multiple response 1618 8 Private pensions From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next 2 years? Investment in shares Multiple response 1618 9 Investment in shares From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next 2 years? Investment funds Multiple response 1618 10 Investment funds From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next 2 years? Loans from Mutual Help Associations Multiple response 1618 11 Loans from Mutual Help Associations From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next 2 years? A car loan Multiple response 1618 12 A car/ loan From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next 2 years? Pawning goods Multiple response 1618 13 Pawning goods From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next 2 years? Loans from Jet Credit, T.B.I or other non-banking financial institutions Multiple response 1618 14 Loans from Jet Credit, TBI or other non-banking fin.institut From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next 2 years? Loans from usurers Multiple response 1618 15 Loans from usurers From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next 2 years? Loans from relatives, friends, acquaintances Multiple response 1618 16 Loans from relatives, friends, acquaintances From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next 2 years? Buying on credit (informally - "pe caiet") from food shops Multiple response 1618 17 Buying on credit (informally - "pe caiet") from food shops From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next From the folowing financial services, which ones do you plan to use the the next 2 years? Buying on credit from the electrical appliances shops Multiple response 1618 18 Buying on credit from the electrical appliances shops Car Car Car Car Car Does your household have...? Car 1618 1 Yes 2 No Landline telephone Landline telephone Landline telephone Landline telephone Landline telephone Does your household have...? Landline telephone 1618 1 Yes 2 No Computer (PC) Computer (PC) Computer (PC) Computer (PC) Computer (PC) Does your household have...? Computer (PC) 1618 1 Yes 2 No Access to Internet Access to Internet Access to Internet Access to Internet Access to Internet Does your household have...? Access to Internet 1618 1 Yes 2 No The dwelling is … The dwelling is … The dwelling is … The dwelling is … The dwelling is … The dwelling is i... 1618 Don't know 1 in a central area of the village/town/city 2 in a peripheral area of the village/town/city 3 in other area of the village/town/city 9 Don't know The dwelling is... The dwelling is... The dwelling is... The dwelling is... The dwelling is... The dwelling is... 1618 1 in a good area 2 in a poor area 3 in a bad-famed area 4 in a rather good area 9 Don't know The dwelling is … The dwelling is … The dwelling is … The dwelling is … The dwelling is … The dwelling is in a good area 1618 1 in a good area The dwelling is … The dwelling is … The dwelling is … The dwelling is … The dwelling is … The dwelling is in a poor area 1618 2 in a poor area The dwelling is … The dwelling is … The dwelling is … The dwelling is … The dwelling is … The dwelling is in a bad-famed area 1618 3 in a bad-famed area The dwelling is … The dwelling is … The dwelling is … The dwelling is … The dwelling is … The dwelling is in a rather good area 1618 4 in a rather good area Did you travel abroad? Did you travel abroad? Did you travel abroad? Did you travel abroad? Did you travel abroad? After 2000: Did you travel abroad? 1618 1 Yes 2 No Did you work abroad? Did you work abroad? Did you work abroad? Did you work abroad? Did you work abroad? After 2000: Did you work abroad? 1618 1 Yes 2 No Did anyone else from your household work abroad? Did anyone else from your household work abroad? Did anyone else from your household work abroad? Did anyone else from your household work abroad? Did anyone else from your household work abroad? After 2000: Did anyone else from your household work abroad? 1618 1 Yes 2 No After graduating did you take any other courses for specialization / requalificat After graduating did you take any other courses for specialization / requalificat After graduating did you take any other courses for specialization / requalificat After graduating did you take any other courses for specialization / requalificat After graduating did you take any other courses for specialization / requalificat After graduating did you take any other courses for specialization / requalification? 1618 1 Yes 2 No 7 N/A Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to take part in a conversation? Bulgarian Multiple response 1618 1 Bulgarian Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to take part in a conversation? Multiple response 1618 2 Turkish Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to take part in a conversation? Romani Multiple response 1618 3 Romani Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to take part in a conversation? German Multiple response 1618 4 German Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to take part in a conversation? English Multiple response 1618 5 English Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to take part in a conversation? French Multiple response 1618 6 French Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to take part in a conversation? Russian Multiple response 1618 7 Russian Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to take part in a conversation? Spanish Multiple response 1618 8 Spanish Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to take part in a conversation? Italian Multiple response 1618 9 Italian Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to tak Beside your mother language, what other languages do you speak well enough to take part in a conversation? Other Multiple response 1618 10 Other Alpha Research could check the way I did the interview. Would you agree to give y Alpha Research could check the way I did the interview. Would you agree to give y Alpha Research could check the way I did the interview. Would you agree to give y Alpha Research could check the way I did the interview. Would you agree to give y Alpha Research could check the way I did the interview. Would you agree to give y Alpha Research could check the way I did the interview. Would you agree to give your phone number where Alpha Research could make the verification? 1618 1 YES 2 NO