WBG_BIH_2011_FLFS_v01_M
DDI_WBG_BIH_2011_FLFS_v01_M_WB
World Bank
2012-04-29
Nesstar Publisher
WBG_BIH_2011_FLFS_v01_M
Financial Literacy and Financial Services Survey 2011
FLFS 2011
WBG_BIH_2011_FLFS_v01_M
IPSOS
Dragan Bagic
2012-04-29
Nesstar Publisher
World Bank
Other Household Health Survey [hh/hea]
Bosnia and Herzegovina
Data collection was based on a random, nation-wide sample of citizens of Bosnia and Herzegovina aged 18 or older (N = 1036).
Household, individual
Population aged 18 or older
Sample survey data [ssd]
The first section of the study deals with financial literacy and its various aspects. Based on these data, the Financial Literacy Index was derived (a single-dimension composite scale of financial knowledge and capability). Next sections deal with managing everyday financial choices (saving, covering shortages etc.) in the context of general household financial situation. .
Face-to-face [f2f]
The survey was modelled after the identical survey conducted in Romania. The questionnaire used in the Financial Literacy Survey in Romania was localized for Bosnia and Herzegovina, including adaptations to match the Bosnian context and methodological improvements in wording of questions.
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_BIH_FinLit_Survey.NSDstat
1036
341
Nesstar 200801
Household ID
1036
0
1
1036
518.5
299.212
RIM_W. RIM Weights
1036
0
0.312
3.118
1
0.775
Exact time of the survey start: hour, minute
EXACT TIME OF THE SURVEY START: HOUR, MINUTE
1036
0
08:30:00
1
09:02:00
1
09:04:00
1
09:05:00
2
09:07:00
2
09:15:00
1
09:30:00
2
09:35:00
3
09:40:00
1
09:45:00
1
09:46:00
1
09:50:00
1
09:55:00
1
09:57:00
1
10:00:00
15
10:02:00
1
10:05:00
2
10:06:00
1
10:10:00
6
10:15:00
8
10:18:00
1
10:20:00
6
10:25:00
5
10:30:00
4
10:35:00
4
10:37:00
1
10:38:00
1
10:40:00
9
10:45:00
10
10:48:00
1
10:49:00
1
10:50:00
7
10:53:00
1
10:55:00
4
10:57:00
1
10:58:00
1
11:00:00
7
11:01:00
1
11:05:00
4
11:06:00
1
11:08:00
1
11:09:00
1
11:10:00
10
11:11:00
1
11:15:00
5
11:16:00
1
11:20:00
8
11:21:00
2
11:22:00
1
11:25:00
6
11:26:00
1
11:28:00
2
11:30:00
7
11:33:00
1
11:34:00
1
11:35:00
5
11:38:00
1
11:39:00
1
11:40:00
8
11:43:00
1
11:44:00
2
11:45:00
7
11:49:00
1
11:50:00
9
11:52:00
1
11:54:00
1
11:55:00
1
11:57:00
1
11:58:00
3
12:00:00
16
12:03:00
1
12:04:00
1
12:05:00
8
12:06:00
1
12:07:00
1
12:10:00
11
12:13:00
1
12:14:00
4
12:15:00
6
12:17:00
1
12:20:00
6
12:23:00
2
12:25:00
6
12:27:00
1
12:28:00
1
12:30:00
12
12:31:00
1
12:32:00
1
12:34:00
1
12:35:00
6
12:37:00
1
12:40:00
13
12:41:00
3
12:42:00
1
12:43:00
3
12:44:00
1
12:45:00
7
12:48:00
1
12:49:00
1
12:50:00
8
12:51:00
1
12:52:00
2
12:54:00
2
12:55:00
4
13:00:00
8
13:03:00
1
13:04:00
1
13:05:00
7
13:06:00
1
13:07:00
1
13:08:00
1
13:10:00
8
13:12:00
2
13:15:00
11
13:17:00
3
13:19:00
2
13:20:00
11
13:22:00
1
13:24:00
1
13:25:00
4
13:26:00
1
13:28:00
4
13:29:00
2
13:30:00
8
13:33:00
1
13:34:00
1
13:35:00
6
13:37:00
3
13:38:00
1
13:40:00
11
13:44:00
1
13:45:00
8
13:46:00
1
13:48:00
2
13:49:00
1
13:50:00
7
13:55:00
5
13:57:00
1
13:58:00
1
13:59:00
2
14:00:00
12
14:02:00
1
14:03:00
1
14:05:00
8
14:06:00
1
14:08:00
2
14:09:00
1
14:10:00
7
14:11:00
1
14:12:00
1
14:13:00
1
14:15:00
6
14:16:00
1
14:17:00
1
14:20:00
7
14:21:00
1
14:25:00
6
14:27:00
1
14:30:00
13
14:33:00
2
14:34:00
1
14:35:00
9
14:37:00
2
14:38:00
1
14:39:00
1
14:40:00
10
14:41:00
1
14:43:00
1
14:45:00
10
14:46:00
1
14:50:00
5
14:51:00
1
14:54:00
1
14:55:00
7
14:56:00
3
15:00:00
12
15:02:00
1
15:05:00
12
15:07:00
4
15:08:00
1
15:10:00
10
15:11:00
1
15:12:00
2
15:15:00
7
15:17:00
2
15:19:00
1
15:20:00
5
15:22:00
1
15:23:00
1
15:24:00
1
15:25:00
6
15:26:00
1
15:30:00
9
15:33:00
1
15:34:00
2
15:35:00
4
15:40:00
11
15:41:00
1
15:43:00
3
15:44:00
1
15:45:00
12
15:48:00
2
15:50:00
9
15:53:00
2
15:55:00
1
15:56:00
1
15:57:00
1
16:00:00
19
16:02:00
1
16:03:00
1
16:05:00
3
16:06:00
1
16:09:00
1
16:10:00
11
16:11:00
1
16:15:00
6
16:16:00
1
16:17:00
2
16:20:00
10
16:25:00
7
16:26:00
1
16:27:00
2
16:30:00
6
16:31:00
1
16:32:00
1
16:33:00
1
16:35:00
4
16:37:00
3
16:40:00
12
16:45:00
3
16:46:00
1
16:48:00
2
16:50:00
9
16:52:00
1
16:54:00
1
16:55:00
3
16:58:00
1
17:00:00
9
17:01:00
2
17:03:00
2
17:05:00
7
17:10:00
8
17:15:00
1
17:16:00
1
17:18:00
2
17:20:00
7
17:21:00
1
17:25:00
1
17:30:00
9
17:32:00
1
17:34:00
1
17:35:00
5
17:37:00
1
17:39:00
1
17:40:00
8
17:41:00
1
17:44:00
1
17:45:00
4
17:48:00
1
17:50:00
3
17:53:00
1
17:55:00
1
17:58:00
1
18:00:00
10
18:03:00
1
18:04:00
2
18:05:00
2
18:06:00
1
18:10:00
9
18:12:00
2
18:15:00
3
18:20:00
4
18:24:00
1
18:25:00
3
18:27:00
1
18:30:00
2
18:32:00
1
18:36:00
1
18:40:00
4
18:41:00
2
18:42:00
1
18:44:00
1
18:45:00
4
18:50:00
5
18:55:00
5
19:00:00
3
19:02:00
1
19:03:00
1
19:04:00
1
19:05:00
3
19:10:00
3
19:15:00
1
19:20:00
1
19:25:00
2
19:27:00
1
19:30:00
3
19:35:00
2
19:37:00
1
19:43:00
1
19:45:00
1
19:50:00
1
19:55:00
1
20:00:00
1
20:05:00
2
20:15:00
1
20:20:00
1
20:30:00
1
20:35:00
1
20:44:00
1
20:45:00
1
21:03:00
1
21:05:00
1
21:20:00
1
21:43:00
1
21:45:00
1
Ordinal number of the survey
ORDINAL NUMBER OF THE SURVEY
1036
0
1
104
2
104
3
104
4
104
5
104
6
104
7
102
8
103
9
103
10
104
Date of the survey
DATE OF SURVEY
1036
0
05052011
20
06052011
126
07052011
280
08052011
309
09052011
128
10052011
116
11052011
46
12052011
11
Interviewer's ID
INTERVIEWER'S NAME AND SURNAME
1036
0
1
505
32.503
24.178
Coordinators's ID
COORDINATOR'S NAME AND SURNAME
1036
0
1
268
2
151
3
169
4
100
5
228
6
120
Neighbourhood
NEIGHBOURHOOD
1036
0
1.MAJ
10
ARNAUTOVICI
10
BARE 2
10
BATKOVICI
10
BIJAKOVICI
10
BJELAVE 2
10
BOŽINCI
10
BRIJESNICA MALA
10
BRIJEŠCE 3
10
BRODUŠA
10
BUCICI
10
CEKRLIJE
10
CELOPEK
10
CENTAR 2
20
CENTAR 35
10
CERANI
10
CIGLANE 2A
10
CIRKIN POLJE 2
10
DEVETAK
10
DOBOROVCI 2
10
DOBRINJA C/7
10
DOBROPOLJE
10
DOLACA 1
10
DOM ŽELJEZNICARA
10
DONJA SANICA
9
DONJI BULETIC
10
DRAGOCAJ
10
GORNJA VIŠCA -1
10
GORNJE VIŠNJEVICE
10
GRAD LIJEVA OBALA 3
10
HRASNICA 2A
10
HRASTOVAC
10
ILOVACA
10
KALINSKA 2
10
KISELJAK 1
10
KLOBUK
10
KOLOBARA - DIO 1
10
KOVILJUŠE NOVO NASELJE
10
KRALJE
9
KULJANI
10
KUMARICA
10
LAZAREVO - 4
10
LIJEVCA
10
LJEŠEVO
10
LOPARE 2
10
LUŽANI
10
MAGLAJ 2
10
MEMICI
10
MEZGRAJA KOSE
10
MEÐAŠI
10
MIONICA - KAMBERI
10
MRAVINJAC
10
MUJKICI - DIO 1
10
MZ LIJEVA OBALA Š. BRIJEG 6
10
NIŠTAVCI
10
O.Š. VUK KARADŽIC 1
10
O.Š.ORGUZ
10
OBILICEVO - 11
10
OLIMPIJSKO SELO 1
10
ORAŠAC
10
ORLAC
10
OŠ "NIKOLA TESLA
10
OŠ GORNJA DUBICA 2
10
OŠ POTOCANI 2
10
OŠ VUK KARADŽIC
10
PAÐINE
10
PECIGRAD OSNOVNA ŠKOLA
10
PECKA
9
PERIN HAN 1
10
10
PODMILACJE
9
POFALICI 1-5
10
POLJE
10
10
PRIJEÐEL
10
RADIO ROMANIJA
10
RAINCI DONJI
10
REKAVICE - 1
10
RUDNIK
10
SJETLINA KUCA VUKOVIC VELJKE
10
SLATINA 1
10
SLAVINOVICI 3
10
SNJEGOTINA DONJA
10
SREDNJA ŠKOLA
10
10
10
STARO RADAKOVO 1
10
STIJENA OSNOVNA ŠKOLA
10
STUPSKO BRDO 1
10
TINJA
10
TRG HEROJA 7
10
TUŠCICA
10
UGLJEVIK SJEVER
10
VAREŠ 5
10
VLATKOVICI
10
VOGOŠCA 9
10
VOZUCA 1
10
VRATNIK4
10
ZABLECE
10
ŠI SELO 6
10
ŠVRAKINO SELO III/3
10
ŽABLJAK
10
ŽIVINICE GRAD - 5
10
Starting point code
STARTING POINT ADDRESS
1036
0
1 MAJ
10
ARNAUTOVICI BB
10
AUTOBUSKA STANICA
10
BARDAKCIJE 1
9
BARE
10
BATKOVICI BB
10
BIJAKOVICI BB
4
BIJAKOVII BB
3
BIJAKOVII BBB
1
BIJATOVICI BB
2
BOZINCI BB
10
BRACE POTKONJAKA 14
10
BRACE TURUDZIJE
8
BRACE TURURDZIJE
1
BRACE TURUZDIJE
1
BRDAKCIJE 1
1
BRIJESNICA BB
10
BRODUSA
10
BUCICI BB
10
CEKRLIJE BB
10
CELOPEK BB
10
CERANI BB
10
CERSKA
10
DJACKA BB
8
DOACA BB
1
DOBOROVCI BB
10
DOLACA BB
8
DOLCA BB
1
DOM ZELJEZNICARA
10
1
DONJA SANICA BB
8
DONJI BULETIC BB
10
DRAGOCAJ BB
10
DUSANA RADOVICA 1
10
EMIA ZOLE 1
1
EMILA ZOLE 1
9
FA LUCIJANA KODRIA
1
FRA LUCIJANA KODRIA
2
FRA LUCIJANA KODRII
1
FRA LUCIJANA KORDICI
1
FRA LUCIJANA KORDIA
3
GOJKA SUSKA BB
10
GORNJA VISCA
1
GORNJA VISCA BB
9
GORNJE VISNJEVICE
8
GORNJE VISNJIVICE
1
ILIJE GARASANINA 3
10
ILOVACA BB
10
IZETA KARICICA BB
1
IZETA KARISICA BB
9
KALINSKA BB
10
KISELJAK BB
10
KLOBUK BB, PRODAVNICA ANITA
10
KOLO BARA
1
KOLOBARA
9
KONOBA SAN
8
KONOBE SAN
2
KRALJE BB
9
KSC
10
KULJANI
4
KULJANI BB
6
KUMARICA
10
LIJEVA OBALA
10
LJESEVO
10
LJEVARSKA
10
LOPARE 2
7
LOPARE2
3
LUZANI BB
10
M. ECIMOVICA
2
M.ECIMOVICA
6
M.EDIMOVICA
1
MAGISTRALNI PUT BB
10
MAGLAJ 2
10
MARKA ECIMOVICA
1
MEMICI BB
10
MEZGAJA KOSE BB.
1
MEZGRAJA BB.
1
MEZGRAJA KOSE
1
MEZGRAJA KOSE BB
2
MEZGRAJA KOSE BB.
5
MEÑAæI BB
10
MIONICA BB
10
MOST ZABLJAK
10
MRAVINJAC
10
MUJKIC
1
MUJKICI
9
NIKOLA PASICA
1
NIKOLE PASICA
9
NISTAVCI BB
10
O.S. GORNJA DUBICA
10
ODABASINA
2
ODOBASINA
8
OLIMPIJSKA 1
10
ORAC
1
ORASAC BB
10
ORGUZ BB
10
ORLA
1
ORLAC
8
OSOJE BB
10
PADJINE
9
PECIGRAD BB
10
PECKA
1
PECKA BB
8
PERIN HAN 1
10
POCINA 1
1
PODJINE
1
POLJA BB
10
POLJE BB
10
PORCINA 1
9
POTOCANI BB
10
POTUR MAHALA
10
POVEZICE BB
9
POVEZIVE BB
1
PRIJEDJEL BB
10
PRINCEVA DZAMIJA
10
R. BOSKOVICA
7
RACANSKA BB
10
RAINCI BB
10
RALUCIJANA KORDIA
1
REKAVICE BB
10
REVOLUCIJANA KODRIA
1
RUDJERA BOSKOVICA
3
RUDNIK BB
9
RUDNIKBB
1
S. HAD¦IA
1
SAFETA HAD¦IA
9
SEHITLUCI
1
SEHITLUCI BB
9
SJETLICA BB
1
SJETLINA BB
7
SLATINA BB
10
SLAVINOVICI
10
SNJEGOTINA DONJA BB
10
STARO RADAKOVO
10
SVETOG SAVE 2
10
SVETOG SAVE BB
10
SVJETLINA BB
2
TINJA BB
9
TNJA BB
1
TRG HEROJA 1
10
TUSCICA
11
TVORNCKA 4A
1
TVORNICKA 4A
8
TVORNI¬KA 4 A
1
UL.CILILA I METODIJA BB
1
UL.CIRILA I METODIJA BB
9
VLATKOVICI BB
9
VLATKOVICI BB.
1
VOGOSCA
10
VOZUA BB
9
VOZUA BBB
1
Z.D.R
1
Z.D.R.
7
ZABLECE BB
10
ZASTINJE BB
9
ZLJEVICE BB
10
ZRTAVA DOMOVINSKOG RATA
2
djacka bb
2
starting point code
STARTING POINT CODE
1036
0
1
104
52.513
30.038
Type of settlement
TYPE OF SETTLEMENT
1036
0
1
village
450
2
city
586
Settlement size
SETTLEMENT SIZE
1036
0
1
up to 2000 inhabitants
450
2
2 001 – 10 000 inhabitants
238
3
10 001 – 100 000 inhabitants
172
4
100 001 and more inhabitants
176
Region
REGION
1036
0
1
Una-Sana Canton
78
2
Zenica-Doboj Canton
130
3
Tuzla Canton
100
4
Central Bosnia Canton
69
5
Herzegovina-Neretva Canton
60
6
West Herzegovina Canton
20
7
Canton Sarajevo
130
8
Canton 10
20
9
North RS
229
10
East RS
130
11
Posavina Canton
20
12
20
13
District Brcko
30
Entity
1036
0
1
FBiH
647
2
RS & District Brcko
389
O1. Note down the number of people that you contacted from the last conducted int
Note down the number of people that you contacted from the last conducted interview until this one and who have refused to take part in the survey?
1036
0
0
698
1
228
2
78
3
22
4
7
5
1
9
1
10
1
O2_1x1. Too busy, has no time, has other obligations (No. of people)
338
698
0
106
1
186
2
42
3
1
4
2
5
1
Sysmiss
698
O2_1x2. Poor health condition (No. of people)
Reasons of refusal (No. of persons): Poor health condition
338
698
0
292
1
42
2
3
4
1
Sysmiss
698
O2_1x3. Not competent, doesn't know, doesn't want to talk (No. of people)
338
698
0
98
0.553
5.342
O2_1x4. Expresses fear, doesn't want to intrude on his privacy (No. of people)
338
698
0
294
1
37
2
5
3
2
Sysmiss
698
O2_1x5. Has already been surveyed, does not trust surveys…etc (No. of people)
338
698
0
98
0.349
5.333
O2_1x6. Other (No. of people)
Reasons of refusal (No. of persons): Other
338
698
0
98
0.296
5.331
O2x2. Gender of the person who has refused: Male (No. of people)
338
698
0
138
1
165
2
29
3
5
4
1
Sysmiss
698
O2x2. Gender of the person who has refused: Female (No. of people)
338
698
0
130
1
169
2
33
3
3
4
1
5
1
7
1
Sysmiss
698
O2x3. Age of the person who has refused: Up to 30 years (No. of people)
Age of the person who has refused (No. of persons): Up to 30 years
338
698
0
231
1
98
2
8
4
1
Sysmiss
698
O2x3. Age of the person who has refused: 31 - 50 years (No. of people)
Age of the person who has refused (No. of persons): 31 - 50 years
338
698
0
135
1
176
2
22
3
3
4
2
Sysmiss
698
O2x3. Age of the person who has refused: 50 years or more (No. of people)
Age of the person who has refused (No. of persons): 51 y. or more
338
698
0
218
1
97
2
20
3
2
4
1
Sysmiss
698
O3. In between the last interview and this one, how many addresses have you been
In between the last interview and this one, how many addresses have you been to AT LEAST two or more times but you have never found anybody at home and have decided to give up on attempting to contact them ?
1036
0
0
974
1
35
2
19
3
4
6
2
9
1
13
1
P1. In general, how satisfied are you with your life nowadays?
In general, how satisfied are you with your life nowadays?
1036
0
1
Very dissatisfied
114
2
Rather dissatisfied
278
3
Rather satisfied
547
4
Very satisfied
93
9
Don’t know
4
P2. 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?
1036
0
1
Much worse
28
2
Worse
176
3
The same
517
4
Better
242
5
Much better
50
9
Don’t know
23
P3a. How often do you...Read the newspapers sold in the whole entity/state
How often do you… (for print media): Read the newspapers sold on the territory of the whole entity or the state?
1036
0
0
Never
225
1
Once a month or less
195
2
Several times a month
236
3
Several times a week
263
4
Daily
117
P3b. How often do you...Read the local/regional or cantonal newspapers
How often do you… (for print media): Read the local/regional or cantonal newspapers?
1036
0
0
Never
285
1
Once a month or less
191
2
Several times a month
222
3
Several times a week
231
4
Daily
107
P3c. How often do you...Listen to radio stations broadcasted on whole entity/sta
How often do you… (for electronic media): Listen to radio stations broadcasted on the territory of the whole entity or the state?
1036
0
0
Never
196
1
Once or week or less often
201
2
Several hours a week
257
3
1 to 2 hours per day
219
4
163
P3d. How often do you...Listen to local or regional/cantonal radio stations
How often do you… (for electronic media): Listen to local or regional/cantonal radio stations?
1036
0
0
Never
175
1
Once or week or less often
161
2
Several hours a week
246
3
1 to 2 hours per day
263
4
191
P3e. How often do you...Watch entity TV programs or the state public service
How often do you… (for electronic media): Watch the entity TV programs or the state public service?
1036
0
0
Never
18
1
Once or week or less often
75
2
Several hours a week
152
3
1 to 2 hours per day
324
4
467
P3f. Watch the local/regional or cantonal TV programs
How often do you… (for electronic media): Watch the local/regional or cantonal TV programs
1036
0
0
Never
56
1
Once or week or less often
57
2
Several hours a week
142
3
1 to 2 hours per day
351
4
430
P4a. Can you use a computer?
Can you use a computer?
1036
0
1
Yes
598
2
No
438
P4b. How often do you use the Internet including e-mail (electronic mail)
598
438
0
Never
50
1
Once a month or less
38
2
Several times a month
65
3
Several times a week
151
4
Daily
294
Sysmiss
438
P4c. How often do you read news at Internet portals
How often do you read news at Internet portals ?
598
438
0
Never
108
1
Once a month or less
80
2
Several times a month
85
3
Several times a week
145
4
Daily
180
Sysmiss
438
P5a. How much do you trust…Central Bank of BiH
1036
0
1
Very little
170
2
Little
176
3
Average
389
4
Much
189
5
Very much
48
8
Never heard
28
9
Don’t know
36
P5b. How much do you trust…BiH commercial banks
1036
0
1
Very little
165
2
Little
227
3
Average
383
4
Much
171
5
Very much
44
8
Never heard
17
9
Don’t know
29
P5c. How much do you trust…Insurance companies
1036
0
1
Very little
175
2
Little
286
3
Average
321
4
Much
161
5
Very much
46
8
Never heard
13
9
Don’t know
34
P5d. How much do you trust…Brokerage Houses
1036
0
1
Very little
210
2
Little
244
3
Average
245
4
Much
95
5
Very much
22
8
Never heard
101
9
Don’t know
119
P5e. How much do you trust…Microcredit organizations
1036
0
1
Very little
365
2
Little
239
3
Average
242
4
Much
111
5
Very much
19
8
Never heard
19
9
Don’t know
41
P5f. How much do you trust…Leasing companies
1036
0
1
Very little
226
2
Little
237
3
Average
255
4
Much
99
5
Very much
7
8
Never heard
110
9
Don’t know
102
P5g. How much do you trust…Deposit Insurance Agency
1036
0
1
Very little
219
2
Little
214
3
Average
269
4
Much
60
5
Very much
15
8
Never heard
146
9
Don’t know
113
P5h. How much do you trust…Banking Agency of FBiH/RS
1036
0
1
Very little
193
2
Little
230
3
Average
262
4
Much
80
5
Very much
16
8
Never heard
140
9
Don’t know
115
P5i. How much do you trust…Securities Commission of FBiH/RS
1036
0
1
Very little
215
2
Little
240
3
Average
262
4
Much
76
5
Very much
19
8
Never heard
128
9
Don’t know
96
P5j. How much do you trust…The Consumer Protection Ombudsman Institution in BiH
1036
0
1
Very little
196
2
Little
228
3
Average
242
4
Much
118
5
Very much
25
8
Never heard
141
9
Don’t know
86
P5k. How much do you trust…Convertible Mark, the national currency
1036
0
1
Very little
76
2
Little
121
3
Average
306
4
Much
329
5
Very much
170
8
Never heard
14
9
Don’t know
20
P5l. How much do you trust…Fund management companies
1036
0
1
Very little
201
2
Little
235
3
Average
289
4
Much
94
5
Very much
25
8
Never heard
102
9
Don’t know
90
P6a. Assess the quality of financial services offered by…Commercial banks
1036
0
1
Very bad
41
2
Bad
174
3
Fair
494
4
Good
216
5
Very good
50
9
Don’t know
61
P6b. Assess the quality of financial services offered by…Insurance companies
1036
0
1
Very bad
46
2
Bad
202
3
Fair
453
4
Good
217
5
Very good
46
9
Don’t know
72
P6c. Assess the quality of financial services offered by…Microcredit organizatio
1036
0
1
Very bad
188
2
Bad
262
3
Fair
356
4
Good
111
5
Very good
41
9
Don’t know
78
P6d. Assess the quality of financial services offered by…Brokerage Houses
1036
0
1
Very bad
77
2
Bad
243
3
Fair
342
4
Good
100
5
Very good
19
9
Don’t know
255
P7a. In a conflict with a fin. org....How sure are you in a quick resolution
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? How sure are you in a quick resolution
1036
0
1
I am not at all sure
202
2
I am not quite sure
331
3
Fifty-fifty
361
4
I am rather sure
96
5
I am completely sure
22
9
Don’t know
24
P7b. In a conflict with a fin. org....How sure are you in a just resolution
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? How sure are you in a just dispute resolution
1036
0
1
I am not at all sure
224
2
I am not quite sure
337
3
Fifty-fifty
308
4
I am rather sure
97
5
I am completely sure
39
9
Don’t know
31
P8. What deserves primary attention when one chooses the bank to take a loan fro
What do you think deserves primary attention when one chooses the bank to take a loan from?
One answer only
1036
0
1
Bank’s reputation (fame)
226
2
Appearance of the bank office
21
3
The treatment of clients by the bank’s personnel
55
4
Loan interest rates and costs
710
5
Gifts and advertising campaigns
7
9
Don’t know
17
P9. If you considered taking a loan from a bank, what would you prefer?
If you considered taking a loan from a bank, what would you prefer?
Do not read answer 3
1036
0
1
Loan in KM
754
2
A loan in a foreign currency
106
3
Loan in KM with currency clause
62
4
I wouldn't take any loan
101
9
Don't know
13
P10. When taking a loan from a bank, what would you give more importance to...?
When taking a loan from a bank, what would you give more importance to...?
Do not read answer 4
1036
0
1
Fees charged by the bank
113
2
Loan interest rates
662
3
Means of securing /providing collateral for the loan
69
4
Loan repayment period
96
5
I wouldn’t take any loan
82
9
Don’t know
14
P11. When do you think buying on credit is justified?
When do you think buying on credit is justified?
1036
0
1
If a shop has sales for the goods you need
409
2
If a person needs to pay for education which would allow ...
302
3
If a person really needs a vacation but does not have ...
41
4
Other, namely
0
5
I wouldn’t buy on credit in any circumstance – Do not read
156
6
health problems
13
7
with large investments
1
8
buying an apartment
14
9
Don’t know
88
10
own business
5
11
buying immovable property
2
12
buying a car
3
13
Buying Firewood
1
14
Improve living conditions
1
P11. When do you think buying on credit is justified?
When do you think buying on credit is justified?
185
851
1
If a shop has sales for the goods you need
0
2
If a person needs to pay for education which would allow ...
156
3
If a person really needs a vacation but does not have ...
12
4
Other, namely
0
5
I wouldn’t buy on credit in any circumstance – Do not read
0
6
health problems
6
7
with large investments
1
8
buying an apartment
10
9
Don’t know
0
10
own business
0
11
buying immovable property
0
12
buying a car
0
13
Buying Firewood
0
14
Improve living conditions
0
Sysmiss
851
P11. When do you think buying on credit is justified?
When do you think buying on credit is justified?
26
1010
1
If a shop has sales for the goods you need
0
2
If a person needs to pay for education which would allow ...
0
3
If a person really needs a vacation but does not have ...
25
4
Other, namely
0
5
I wouldn’t buy on credit in any circumstance – Do not read
0
6
health problems
0
7
with large investments
0
8
buying an apartment
0
9
Don’t know
0
10
own business
0
11
buying immovable property
0
12
buying a car
1
13
Buying Firewood
0
14
Improve living conditions
0
Sysmiss
1010
P11. When do you think buying on credit is justified?
When do you think buying on credit is justified?
2
1034
1
If a shop has sales for the goods you need
0
2
If a person needs to pay for education which would allow ...
0
3
If a person really needs a vacation but does not have ...
0
4
Other, namely
0
5
I wouldn’t buy on credit in any circumstance – Do not read
0
6
health problems
0
7
with large investments
0
8
buying an apartment
0
9
Don’t know
0
10
own business
0
11
buying immovable property
0
12
buying a car
2
13
Buying Firewood
0
14
Improve living conditions
0
Sysmiss
1034
P12a. Do you follow...Changes in the property market
1036
0
1
Yes
176
2
No
860
P13a. What is the main source of information:
If the answer is Yes in P12
ONE ANSWER ONLY
176
860
1
Advertising
12
2
News in media
98
3
Specialized web sites
29
4
Bank officers, employees of insurance and management ...
11
5
Independent financial consultants or brokers
1
6
Friends and acquaintances
25
Sysmiss
860
P12b. Do you follow...Changes in market indices
1036
0
1
Yes
96
2
No
940
P13b. What is the main source of information:
If the answer is Yes in P12
ONE ANSWER ONLY
96
940
1
Advertising
2
2
News in media
50
3
Specialized web sites
32
4
Bank officers, employees of insurance and management ...
6
5
Independent financial consultants or brokers
2
6
Friends and acquaintances
4
Sysmiss
940
P12c. Do you follow...Changes of deposit interest rates
Do you follow any of the following trends personally? Changes of deposit interest rates
1036
0
1
Yes
183
2
No
853
P13c. What is the main source of information:
If the answer is Yes in P12
What is the main source of information? Changes of deposit interest rates
ONE ANSWER ONLY
183
853
1
Advertising
47
2
News in media
78
3
Specialized web sites
16
4
Bank officers, employees of insurance and management ...
37
5
Independent financial consultants or brokers
1
6
Friends and acquaintances
4
Sysmiss
853
P12d. Do you follow...Changes of loan interest rates
Do you follow any of the following trends personally? Changes of loan interest rates
1036
0
1
Yes
369
2
No
667
P13d. What is the main source of information:
If the answer is Yes in P12
What is the main source of information? Changes of loan interest rates
ONE ANSWER ONLY
369
667
1
Advertising
99
2
News in media
157
3
Specialized web sites
24
4
Bank officers, employees of insurance and management ...
69
5
Independent financial consultants or brokers
0
6
Friends and acquaintances
20
Sysmiss
667
P12e. Do you follow...Changes in the inflation rate
Do you follow any of the following trends personally? Changes in the inflation rate
1036
0
1
Yes
254
2
No
782
P13e. What is the main source of information:
If the answer is Yes in P12
What is the main source of information? Changes in the inflation rate
ONE ANSWER ONLY
254
782
1
Advertising
10
2
News in media
209
3
Specialized web sites
14
4
Bank officers, employees of insurance and management ...
8
5
Independent financial consultants or brokers
2
6
Friends and acquaintances
11
Sysmiss
782
P12f. Do you follow...Changes in pensions, benefits and tax exemptions
Do you follow any of the following trends personally? Changes in pensions, benefits and tax exemptions
1036
0
1
Yes
484
2
No
552
P13f. What is the main source of information:
If the answer is Yes in P12
What is the main source of information? Changes in pensions, benefits and tax exemptions
ONE ANSWER ONLY
484
552
1
Advertising
10
2
News in media
415
3
Specialized web sites
13
4
Bank officers, employees of insurance and management ...
8
5
Independent financial consultants or brokers
0
6
Friends and acquaintances
38
Sysmiss
552
P12g. Do you follow...Price fluctuations for oil, gold, metals, etc.
Do you follow any of the following trends personally? Price fluctuations for oil, gold, metals, etc.
1036
0
1
Yes
445
2
No
591
P13g. What is the main source of information:
If the answer is Yes in P12
What is the main source of information? Price fluctuations for oil, gold, metals, etc.
ONE ANSWER ONLY
445
591
1
Advertising
10
2
News in media
379
3
Specialized web sites
20
4
Bank officers, employees of insurance and management ...
5
5
Independent financial consultants or brokers
1
6
Friends and acquaintances
30
Sysmiss
591
P14. Are you aware of the activities of the Consumer Protection Ombudsman Institu
Are you aware of the activities of the Consumer Protection Ombudsman Institution concerning the services offered by banks?
1036
0
1
Yes
170
2
No
740
9
Don't know
126
P15a. How often did you...Bank officers or bankers
1036
0
0
Never
502
1
Once a year
77
2
Once in 6 months
71
3
Once in 2 or 3 months
90
4
Once a month
206
5
Several times a month
90
P15b. How often did you...Representatives of insurance companies
1036
0
0
Never
758
1
Once a year
138
2
Once in 6 months
36
3
Once in 2 or 3 months
43
4
Once a month
35
5
Several times a month
26
P15c. How often did you...Representatives of the brokerage houses
1036
0
0
Never
918
1
Once a year
38
2
Once in 6 months
41
3
Once in 2 or 3 months
20
4
Once a month
14
5
Several times a month
5
P15d. How often did you...Independent financial advisers or brokers
1036
0
0
Never
900
1
Once a year
63
2
Once in 6 months
28
3
Once in 2 or 3 months
27
4
Once a month
15
5
Several times a month
3
P15e. How often did you...Representatives of microcredit organizations
1036
0
0
Never
840
1
Once a year
85
2
Once in 6 months
41
3
Once in 2 or 3 months
35
4
Once a month
30
5
Several times a month
5
P16. When you meet your relatives, colleagues, friends, how often do you talk abo
When you meet your relatives, colleagues, friends, how often do you talk about financial institutions and services?
1036
0
0
Never
153
1
Once a month or less
304
2
Several times a month
225
3
Several times a week
229
4
Daily
125
P17_1. Which of the following...most suitable to deliver financial literacy
Which of the following organizations do you see as the most suitable to deliver financial literacy program in BiH? C
hoose up to 3 answers
1036
0
1
Commercial banks
242
2
Insurance companies
59
3
Investment fund management companies
65
4
Non-government organizations or public institutions ...
231
5
Government entities regulating these markets
187
6
Higher education institutions for economics and finance
128
7
Independent financial consultants
29
8
Mass media (journalists and TV presenters)
49
9
Other
0
99
Don’t know
46
P17_2. Which of the following...most suitable to deliver financial literacy
Which of the following organizations do you see as the most suitable to deliver financial literacy program in BiH? C
hoose up to 3 answers
813
223
1
Commercial banks
0
2
Insurance companies
50
3
Investment fund management companies
34
4
Non-government organizations or public institutions ...
80
5
Government entities regulating these markets
174
6
Higher education institutions for economics and finance
253
7
Independent financial consultants
109
8
Mass media (journalists and TV presenters)
113
9
Other
0
99
Don’t know
0
Sysmiss
223
P17_3. Which of the following...most suitable to deliver financial literacy
Which of the following organizations do you see as the most suitable to deliver financial literacy program in BiH? C
hoose up to 3 answers
572
464
1
Commercial banks
0
2
Insurance companies
0
3
Investment fund management companies
11
4
Non-government organizations or public institutions ...
16
5
Government entities regulating these markets
42
6
Higher education institutions for economics and finance
104
7
Independent financial consultants
115
8
Mass media (journalists and TV presenters)
284
9
Other
0
99
Don’t know
0
Sysmiss
464
P18a. Which of the following...How to establish financial targets
1036
0
1
Yes
817
2
No
178
9
Don't know
41
P18b. Which of the following...What to do not to overindebted
1036
0
1
Yes
885
2
No
126
9
Don't know
25
P18c. Which of the following...How to plan purchases of durables
1036
0
1
Yes
820
2
No
170
9
Don't know
46
P18d. Which of the following...How does the pension scheme work
1036
0
1
Yes
771
2
No
217
9
Don't know
48
P18e. Which of the following...Banking services
1036
0
1
Yes
782
2
No
198
9
Don't know
56
P18f. Which of the following...Consumer credits
1036
0
1
Yes
739
2
No
241
9
Don't know
56
P18g. Which of the following...Mortgage loans
1036
0
1
Yes
721
2
No
241
9
Don't know
74
P18h. Which of the following...Insurance and related products
1036
0
1
Yes
696
2
No
265
9
Don't know
75
P18i. Which of the following...Capital markets, stock and investment funds
1036
0
1
Yes
630
2
No
319
9
Don't know
87
P18j. Which of the following...Sources of information on financial services
1036
0
1
Yes
691
2
No
264
9
Don't know
81
P18k. Which of the following...What parameters are used to compare bank services
1036
0
1
Yes
685
2
No
249
9
Don't know
102
P18l. Which of the following...What consumer protection laws are available
1036
0
1
Yes
842
2
No
137
9
Don't know
57
P18m. Which of the following...What information should a user pay attention to
1036
0
1
Yes
869
2
No
116
9
Don't know
51
P19 How often do you compare the terms and conditions for provision of financial
How often do you compare the terms and conditions for provision of financial services by various companies before you sign a contract for such a service? For instance, do you check loan terms, such as interest rate levels, maturity, collateral levels with different commercial banks or or life insurance terms with different insurance companies?
1036
0
1
Never
123
2
Rarely
206
3
Sometimes
185
4
Always
291
97
I do not use any financial service
205
99
Don’t know
26
P20_1. What sources of information...when choosing a company to buy services fro
What sources of information do you pay attention to when choosing a company to buy a service from?
Multiple Responses possible
1036
0
1
Advertisements
325
2
Information materials of financial companies on their ...
212
3
Advice of consultants working for providers of a ...
128
4
Recommendations of independent financial consultants or ...
36
5
Analytical materials published in mass media
34
6
Employer’s advice
29
7
Advice of friends and relatives
163
8
Internet forums and blogs
6
9
Other
0
99
Don’t know
103
P20_2. What sources of information...when choosing a company to buy services fro
What sources of information do you pay attention to when choosing a company to buy a service from?
Multiple Responses possible
616
420
1
Advertisements
0
2
Information materials of financial companies on their ...
83
3
Advice of consultants working for providers of a ...
111
4
Recommendations of independent financial consultants or ...
44
5
Analytical materials published in mass media
62
6
Employer’s advice
85
7
Advice of friends and relatives
205
8
Internet forums and blogs
26
9
Other
0
99
Don’t know
0
Sysmiss
420
P20_3. What sources of information...when choosing a company to buy services fro
What sources of information do you pay attention to when choosing a company to buy a service from?
Multiple Responses possible
302
734
1
Advertisements
0
2
Information materials of financial companies on their ...
0
3
Advice of consultants working for providers of a ...
10
4
Recommendations of independent financial consultants or ...
7
5
Analytical materials published in mass media
23
6
Employer’s advice
31
7
Advice of friends and relatives
192
8
Internet forums and blogs
39
9
Other
0
99
Don’t know
0
Sysmiss
734
P20_4. What sources of information...when choosing a company to buy services fro
What sources of information do you pay attention to when choosing a company to buy a service from?
Multiple Responses possible
50
986
1
Advertisements
0
2
Information materials of financial companies on their ...
0
3
Advice of consultants working for providers of a ...
0
4
Recommendations of independent financial consultants or ...
1
5
Analytical materials published in mass media
1
6
Employer’s advice
3
7
Advice of friends and relatives
22
8
Internet forums and blogs
23
9
Other
0
99
Don’t know
0
Sysmiss
986
P20_5. What sources of information...when choosing a company to buy services fro
What sources of information do you pay attention to when choosing a company to buy a service from?
Multiple Responses possible
8
1028
1
Advertisements
0
2
Information materials of financial companies on their ...
0
3
Advice of consultants working for providers of a ...
0
4
Recommendations of independent financial consultants or ...
0
5
Analytical materials published in mass media
1
6
Employer’s advice
0
7
Advice of friends and relatives
3
8
Internet forums and blogs
4
9
Other
0
99
Don’t know
0
Sysmiss
1028
P20_6. What sources of information...when choosing a company to buy services fro
What sources of information do you pay attention to when choosing a company to buy a service from?
Multiple Responses possible
2
1034
1
Advertisements
0
2
Information materials of financial companies on their ...
0
3
Advice of consultants working for providers of a ...
0
4
Recommendations of independent financial consultants or ...
0
5
Analytical materials published in mass media
0
6
Employer’s advice
1
7
Advice of friends and relatives
0
8
Internet forums and blogs
1
9
Other
0
99
Don’t know
0
Sysmiss
1034
P20_7. What sources of information...when choosing a company to buy services fro
What sources of information do you pay attention to when choosing a company to buy a service from?
Multiple Responses possible
1
1035
1
Advertisements
0
2
Information materials of financial companies on their ...
0
3
Advice of consultants working for providers of a ...
0
4
Recommendations of independent financial consultants or ...
0
5
Analytical materials published in mass media
0
6
Employer’s advice
0
7
Advice of friends and relatives
1
8
Internet forums and blogs
0
9
Other
0
99
Don’t know
0
Sysmiss
1035
P20_8. What sources of information...when choosing a company to buy services fro
What sources of information do you pay attention to when choosing a company to buy a service from?
Multiple Responses possible
1
1035
1
Advertisements
0
2
Information materials of financial companies on their ...
0
3
Advice of consultants working for providers of a ...
0
4
Recommendations of independent financial consultants or ...
0
5
Analytical materials published in mass media
0
6
Employer’s advice
0
7
Advice of friends and relatives
0
8
Internet forums and blogs
1
9
Other
0
99
Don’t know
0
Sysmiss
1035
P21. How would you assess the level of your financial literacy?
How would you assess the level of your financial literacy?
1036
0
1
159
2
Unsatisfactory knowledge and skills
261
3
Satisfactory knowledge and skills
454
4
Good knowledge and skills
83
5
Excellent knowledge and skills
42
9
Don’t know
37
P22. Let’s assume you deposited 10,000 KM in a bank account at 8% annual interest
Let's assume you deposited 10,000 KM 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?
READ
1036
0
1
More than 18,000 KM
46
2
Exactly 18.000 KM
156
3
Less than 18.000 KM
710
9
Don’t know
124
P23. Let’s assume that you deposited 10,000 KM in a bank account at 10% annual in
Let's assume that you deposited 10,000 KM 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?
1036
0
1
226
2
Exactly 15.000 KM
485
3
Less than 15.000 KM
196
9
Don’t know
129
P24. Imagine that you deposited money in a bank account at 8% interest rate, whil
Imagine that you deposited 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?
1036
0
1
More than a year ago
58
2
The same
223
3
Less than a year ago
603
9
Don’t know
152
P25. Let’s assume that in 2012 your income is twice as now, and the consumer pric
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?
1036
0
1
More than a year ago
64
2
The same
637
3
Less than a year ago
243
9
Don’t know
92
P26. Let’s assume that you saw a TV-set of the same model on sale in two differen
Let's assume that you saw a TV-set of the same model on sale in two different shops. The initial retail price of it was 1,000 KM. One shop offered a discount of 150 KM, while the other one offered a 10% discount. Which one is a better bargain - a discount of 150 KM or 10%?
1036
0
1
A discount of 150 KM
775
2
They are the same
113
3
A 10% discount
50
9
Don’t know
98
P27. Let’s assume that you took a bank loan of 10,000 KM to be paid back during a
Let's assume that you took a bank loan of 10,000 KM to be paid back during a year in equal monthly payments. In the course of the year, you will pay back a total of 600 KM in interest. Give a rough estimate of the annual price of your credit.
1036
0
1
3%
36
2
2.6%
91
3
6%
659
4
11%
53
9
Don’t know
197
P28. If a citizen has a deposit in a Bosnian bank and this bank goes bankrupt, do
If a citizen has a deposit in a Bosnian bank and this bank goes bankrupt, do you know what maximum level of a deposit is entirely insured by the government?
1036
0
1
The government does not insure the bank deposits
247
2
The amount of 15,000 KM
102
3
The amount of 35,000 KM
73
4
The amount of 50,000 KM
54
5
The government insures all bank deposits in their full ...
104
9
Don’t know
456
P29. If a citizen owns shares in the investment fund, and the value of shares plu
If a citizen owns shares in the investment 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?
1036
0
1
The government does not insure against losses from the ...
350
2
The amount of 15,000 KM
86
3
The amount of 35,000 KM
64
4
The amount of 50,000 KM
46
5
The government insures all investment fund shares in ...
73
9
Don't know
417
P30_1. In which of the...should individual financial market losses be compensate
In which of the following cases it is appropriate for the government to compensate individuals for the losses on the financial market?
Multiple responses possible
1036
0
1
If a bank goes bankrupt
550
2
Shares of an investment fall significantly
59
3
Shares of a private company fall significantly
10
4
Apartment prices drop at the time when one needs to ...
18
5
None of the above
233
9
Don’t know
0
99
166
P30_2. In which of the...should individual financial market losses be compensate
In which of the following cases it is appropriate for the government to compensate individuals for the losses on the financial market?
Multiple responses possible
128
908
1
If a bank goes bankrupt
0
2
Shares of an investment fall significantly
94
3
Shares of a private company fall significantly
17
4
Apartment prices drop at the time when one needs to ...
17
5
None of the above
0
9
Don’t know
0
Sysmiss
908
P30_3. In which of the...should individual financial market losses be compensate
In which of the following cases it is appropriate for the government to compensate individuals for the losses on the financial market?
Multiple responses possible
44
992
1
If a bank goes bankrupt
0
2
Shares of an investment fall significantly
0
3
Shares of a private company fall significantly
42
4
Apartment prices drop at the time when one needs to ...
2
5
None of the above
0
9
Don’t know
0
Sysmiss
992
P30_4. In which of the...should individual financial market losses be compensate
In which of the following cases it is appropriate for the government to compensate individuals for the losses on the financial market?
Multiple responses possible
21
1015
1
If a bank goes bankrupt
0
2
Shares of an investment fall significantly
0
3
Shares of a private company fall significantly
0
4
Apartment prices drop at the time when one needs to ...
21
5
None of the above
0
9
Don’t know
0
Sysmiss
1015
P31. Which of the following statements correctly describes the role of a guaranto
Which of the following statements correctly describes the role of a guarantor?
1036
0
1
A guarantor assists the borrower to fulfil the conditions...
165
2
A bank may collect the borrower’s outstanding liabilities...
845
8
Don’t know
0
9
26
P32. Which of the following statements correctly describes the role of a promisso
1036
0
1
A promissory note allows the bank to collect its claims ...
457
2
A promissory note allows the bank to collect its claims ...
464
8
Don’t know
0
9
115
P33. Does the loan currency clause reduce more the risk of the bank or of the bor
Does the loan currency clause reduce more the risk of the bank or of the borrower?
1036
0
1
It reduces the bank’s risk
601
2
It reduces the borrower’s risk
272
8
Don’t know
0
9
163
P34. Is a revolving credit card the same as the credit card?
Is a revolving credit card the same as the credit card?
1036
0
1
Yes
494
2
No
326
8
No answer
0
9
Don't know
216
P35. Is the following statement true or false: ‘going in red’ on the current acco
Is the following statement true or false: 'going in red' on the current account is the most favourable form of consumer credit?
1036
0
1
True
605
2
False
307
8
Don’t know
0
9
124
P36. In your family do you usually have a financial plan, thus you know how to co
In your family do you usually have a financial plan, thus you know how to cover current monthly expenses?
1036
0
1
Yes
627
2
No
392
9
Don't know
17
P37. Is your family used to keeping records of income and expenditures?
1036
0
1
Yes, we keep records of everything, entering all revenues...
370
2
Yes, we keep records of everything, but not all revenues ...
219
3
No, we don’t keep records of everything, but we know in ...
374
4
No, we don’t keep records of family’s resources, and we ...
52
9
Don’t know
21
P38a. How often...had money unspent from month to month
How often during the last 12 months your household: had money unspent from month to month
1036
0
1
Never
452
2
Once a year or less
118
3
Every half a year
124
4
Once every 3 months
163
5
Every month
115
9
Don’t know
64
P38b. How often...remained without money from month to month
How often during the last 12 months your household: remained without money from month to month
1036
0
1
Never
402
2
Once a year or less
181
3
Every half a year
140
4
Once every 3 months
181
5
Every month
104
9
Don’t know
28
P38c. How often...spent in a month exactly the money earned in the previous mont
How often during the last 12 months your household: spent in a month exactly the money earned in the previous month
1036
0
1
Never
149
2
Once a year or less
70
3
Every half a year
125
4
Once every 3 months
216
5
Every month
405
9
Don’t know
71
P39a. When household has unspent money...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
278
758
1
Yes
122
2
No
156
Sysmiss
758
P39b. When household has unspent money...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
278
758
1
Yes
186
2
No
92
Sysmiss
758
P39c. When household has unspent money...We deposit or don't withdraw it
When your household remains with unspent money from month to month, generally what do you do with them? We deposit or don't withdraw it
278
758
1
Yes
95
2
No
183
Sysmiss
758
P39d. When household has unspent money...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
278
758
1
Yes
12
2
No
266
Sysmiss
758
P39e. When household has unspent money...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
278
758
1
Yes
25
2
No
253
Sysmiss
758
P39f. When household has unspent money...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
278
758
1
Yes
23
2
No
255
Sysmiss
758
P39g. When household has unspent money...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
278
758
1
Yes
10
2
No
268
Sysmiss
758
P39h. When household has unspent money...We use it to reduce old debt
When your household remains with unspent money from month to month, generally what do you do with them? We use it to reduce old debt
278
758
1
Yes
34
2
No
244
Sysmiss
758
P39i. When household has unspent money...We use it for basic needs
When your household remains with unspent money from month to month, generally what do you do with them? We use it for basic needs
278
758
1
Yes
101
2
No
177
Sysmiss
758
P39j. When household has unspent money...We spend it for children’s education
When your household remains with unspent money from month to month, generally what do you do with them? We spend it for children’s education
278
758
1
Yes
66
2
No
212
Sysmiss
758
P39k. When household has unspent money...We spend it on health care
When your household remains with unspent money from month to month, generally what do you do with them? We spend it on health care
278
758
1
Yes
48
2
No
230
Sysmiss
758
P39i. Is there any other way how you dispose with money from the previous month a
Is there any other way how you dispose with money from the previous month and which?
278
758
1
Interior design of apartment/house
9
2
Education
1
3
Vacation
3
4
No
265
Sysmiss
758
P40a. When household runs out of money...We cut down expenses
When your household runs out of money from month to month, generally, what do you do? We cut down expenses
285
751
1
Yes
229
2
No
56
Sysmiss
751
P40b. When household runs out of money...We borrow money from relatives, etc
When your household runs out of money from month to month, generally, what do you do? We borrow money from relatives, etc
285
751
1
Yes
143
2
No
142
Sysmiss
751
P40c. When household runs out of money...We buy on credit from shops
When your household runs out of money from month to month, generally, what do you do? We buy on credit from shops
285
751
1
Yes
45
2
No
240
Sysmiss
751
P40d. When household runs out of money...We borrow from non-banking fin. inst.
When your household runs out of money from month to month, generally, what do you do? We borrow from non-banking fin. inst.
285
751
1
Yes
19
2
No
266
Sysmiss
751
P40e. When household runs out of money...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
285
751
1
Yes
10
2
No
275
Sysmiss
751
P40f. When household runs out of money...We spend our savings in KM
When your household runs out of money from month to month, generally, what do you do? We spend our savings in KM
285
751
1
Yes
47
2
No
238
Sysmiss
751
P40g. When household runs out of money...We spend our savings in foreign currenc
When your household runs out of money from month to month, generally, what do you do? We spend our savings in foreign currenc
285
751
1
Yes
12
2
No
273
Sysmiss
751
P40h. When household runs out of money...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
285
751
1
Yes
27
2
No
258
Sysmiss
751
P40i. When household runs out of money...We work extra hours or additional jobs
When your household runs out of money from month to month, generally, what do you do? We work extra hours or additional jobs
285
751
1
Yes
104
2
No
181
Sysmiss
751
P40j. Is there any other way that you get by when you run out of money in between
Is there any other way that you get by when you run out of money in between two months?
285
751
1
Sometimes
1
2
No
77
9
No answer
207
Sysmiss
751
P41_1. Please tell...reason for families you know who suddenly had fin. problems
Multiple responses possible
1036
0
1
Yes, because someone in the household has lost his job ...
363
2
Yes, because of unfortunate series of events
118
3
Yes, because of a wrong money management or lack of ...
200
4
Yes, they could not repay their own, or other people’s ...
171
5
Yes, other
0
6
I do not know such families
141
9
Don’t know
0
99
43
P41_2. Please tell...reason for families you know who suddenly had fin. problems
Multiple responses possible
138
898
1
Yes, because someone in the household has lost his job ...
0
2
Yes, because of unfortunate series of events
48
3
Yes, because of a wrong money management or lack of ...
30
4
Yes, they could not repay their own, or other people’s ...
60
5
Yes, other
0
6
I do not know such families
0
9
Don’t know
0
Sysmiss
898
P41_3. Please tell...reason for families you know who suddenly had fin. problems
Multiple responses possible
45
991
1
Yes, because someone in the household has lost his job ...
0
2
Yes, because of unfortunate series of events
0
3
Yes, because of a wrong money management or lack of ...
19
4
Yes, they could not repay their own, or other people’s ...
26
5
Yes, other
0
6
I do not know such families
0
9
Don’t know
0
Sysmiss
991
P41_4. Please tell...reason for families you know who suddenly had fin. problems
Multiple responses possible
17
1019
1
Yes, because someone in the household has lost his job ...
0
2
Yes, because of unfortunate series of events
0
3
Yes, because of a wrong money management or lack of ...
0
4
Yes, they could not repay their own, or other people’s ...
17
5
Yes, other
0
6
I do not know such families
0
9
Don’t know
0
Sysmiss
1019
P41_5. Please tell...reason for families you know who suddenly had fin. problems
Multiple responses possible
0
1036
1
Yes, because someone in the household has lost his job ...
0
2
Yes, because of unfortunate series of events
0
3
Yes, because of a wrong money management or lack of ...
0
4
Yes, they could not repay their own, or other people’s ...
0
5
Yes, other
0
6
I do not know such families
0
9
Don’t know
0
Sysmiss
1036
P42. Did you household experience an unexpected significant reduction of your inc
Did you household experience an unexpected significant reduction of your income over the last three years?
If No --> GO TO P43
1036
0
1
Yes
432
2
No
598
9
Don't know
6
P42A_a. What was the reason…Loss of employment due to economic crisis
If Yes (code 1 at P42)
What was the reason for this reduction of your income? Loss of employment due to economic crisis
438
598
1
Yes
185
2
No
253
Sysmiss
598
P42A_b. What was the reason…Loss of employment because of an accident, illness,
If Yes (code 1 at P42)
What was the reason for this reduction of your income? Loss of employment because of an accident, illness or disability
438
598
1
Yes
47
2
No
391
Sysmiss
598
P42A_c. What was the reason…Considerable reduction of salary/delay of wage payme
If Yes (code 1 at P42)
What was the reason for this reduction of your income? Considerable reduction of salary, or delays with salary payment
438
598
1
Yes
229
2
No
209
Sysmiss
598
P42A_d. What was the reason…Breakup, separation or divorce
If Yes (code 1 at P42)
What was the reason for this reduction of your income? Breakup, separation or divorce
438
598
1
Yes
11
2
No
427
Sysmiss
598
P42A_e. What was the reason…Retirement of the main breadwinner
If Yes (code 1 at P42)
What was the reason for this reduction of your income? Retirement of the main breadwinner
438
598
1
Yes
34
2
No
404
Sysmiss
598
P42A_f. What was the reason…Other (STATE WHAT REASON)
If Yes (code 1 at P42)
What was the reason for this reduction of your income? Other (STATE WHAT REASON)
438
598
1
Yes
25
2
No
413
Sysmiss
598
P42A_f. Other...(verbatim)
If Yes (code 1 at P42)
What was the reason for this reduction of your income? Other (STATE WHAT REASON)
25
1011
1
Price rise
3
2
Loan
4
3
Education
3
4
Death in family
9
5
reduction in the Pension payment
1
6
The Family Expansion
1
7
change in the workplace
1
8
Termination of scholarships
1
9
maternity leave
1
10
buying an apartment
1
Sysmiss
1011
P42B_a. How did you manage…We cut down costs
How did you manage to make the ends meet when your income suddenly dropped? We cut down COSTS
438
598
1
Yes
400
2
No
38
Sysmiss
598
P42B_b. How did you manage…We borrowed money from relatives, friends, etc.
How did you manage to make the ends meet when your income suddenly dropped? We borrowed money from relatives, friends and acquaintances
438
598
1
Yes
134
2
No
304
Sysmiss
598
P42B_c. How did you manage…We bought on credit from shops
How did you manage to make the ends meet when your income suddenly dropped? We bought on credit (informally - „pe caiet") from shops
438
598
1
Yes
53
2
No
385
Sysmiss
598
P42B_d. How did you manage…We borrowed from non-banking financial institutions
How did you manage to make the ends meet when your income suddenly dropped? We borrowed from non-banking financial institutions (micro-credits)
438
598
1
Yes
26
2
No
412
Sysmiss
598
P42B_e. How did you manage…We pawned jewellery or other goods
How did you manage to make the ends meet when your income suddenly dropped? We pawned jewellery or other goods
438
598
1
Yes
14
2
No
424
Sysmiss
598
P42B_f. How did you manage…We spent our savings in KM
How did you manage to make the ends meet when your income suddenly dropped? We spent our savings in KM
438
598
1
Yes
90
2
No
348
Sysmiss
598
P42B_g. How did you manage…We exchanged our foreign currency savings to KM
How did you manage to make the ends meet when your income suddenly dropped? We exchanged our foreign currency savings to KM
438
598
1
Yes
16
2
No
422
Sysmiss
598
P42B_h. How did you manage…We used a credit card
How did you manage to make the ends meet when your income suddenly dropped? We used a credit card
438
598
1
Yes
28
2
No
410
Sysmiss
598
P42B_i. How did you manage…We worked extra hours or additional jobs
How did you manage to make the ends meet when your income suddenly dropped? We worked extra hours or additional jobs
438
598
1
Yes
152
2
No
286
Sysmiss
598
P42B_j. How did you manage....Other...
How did you manage to make the ends meet when your income suddenly dropped? Other (STATE WHAT)
438
598
1
Yes
1
2
No
437
Sysmiss
598
P42B_j. Other...(verbatim)
How did you manage to make the ends meet when your income suddenly dropped? Other (STATE WHAT)
1
1035
1
Sell land
1
Sysmiss
1035
P43. How often during the last 12 months your household had to borrow to pay back
How often during the last 12 months your household had to borrow to pay back your other debts?
1036
0
1
Never
669
2
Once a year or less
130
3
Once in 6 months
107
4
Once in 3 months
70
5
Every month
17
9
Don’t know
43
P44. Would you please say whether your household has any debts now apart from lon
Would you please say whether your household has any debts now apart from long-term loan/credits?
GO TO P45]]>
1036
0
1
Yes
86
2
No
920
9
Don't know
30
P44B. Comparing to your total monthly household income, approximately how much mo
If Yes in P44A ask:
Comparing to your total monthly household income, approximately how much money is allocated to the repayment of debts apart from long-term loans?
Without loan instalments
116
920
1
Less than the monthly income
40
2
approx. 1-2 monthly incomes
20
3
approx. 2-3
12
4
approx. 4-6
11
5
approx. 7-12 monthly incomes
5
6
More than the annual income
1
9
Don’t know
27
Sysmiss
920
P45. Let’s assume that in addition to your regular income your family receives 25
Choose maximum 3 answers
1036
0
1
I’ll spend it on the purchase of household goods
379
2
I’ll try to add money (through borrowing, e.g.) and buy ...
145
3
I’ll make long-term savings to accumulate money for more ...
118
4
I’ll make reserves (for unexpected event, special events,...
184
5
I’ll repay my earlier debts..
52
6
I’ll spend it on entertainment, on travel or vacation.
39
7
I’ll spend it on education and development of my children.
32
8
I’ll spend it on upgrade of my skills or training for a ...
8
9
I’ll spend it on my medical treatment and that of my ...
10
10
I’ll invest it in my own business.
43
11
I’ll buy an insurance policy for myself or the family, ...
3
12
I’ll buy gold, jewels and the like
0
13
I’ll invest it in the bank deposit at an interest rate
11
14
I’ll buy shares and other stock of Bosnian companies, ...
0
15
Other
0
16
Construction'
1
17
Education
0
18
Agricultural machines
0
19
I would give to humanitarian aid
1
20
I'd give to friends and relatives
1
21
I'd bought the position
1
99
Don’t know
8
P45. Let’s assume that in addition to your regular income your family receives 25
Choose maximum 3 answers
844
192
1
I’ll spend it on the purchase of household goods
0
2
I’ll try to add money (through borrowing, e.g.) and buy ...
103
3
I’ll make long-term savings to accumulate money for more ...
79
4
I’ll make reserves (for unexpected event, special events,...
166
5
I’ll repay my earlier debts..
78
6
I’ll spend it on entertainment, on travel or vacation.
79
7
I’ll spend it on education and development of my children.
100
8
I’ll spend it on upgrade of my skills or training for a ...
45
9
I’ll spend it on my medical treatment and that of my ...
49
10
I’ll invest it in my own business.
83
11
I’ll buy an insurance policy for myself or the family, ...
13
12
I’ll buy gold, jewels and the like
4
13
I’ll invest it in the bank deposit at an interest rate
37
14
I’ll buy shares and other stock of Bosnian companies, ...
1
15
Other
0
16
Construction'
3
17
Education
1
18
Agricultural machines
0
19
I would give to humanitarian aid
2
20
I'd give to friends and relatives
1
21
I'd bought the position
0
99
Don’t know
0
Sysmiss
192
P45. Let’s assume that in addition to your regular income your family receives 25
Choose maximum 3 answers
583
453
1
I’ll spend it on the purchase of household goods
0
2
I’ll try to add money (through borrowing, e.g.) and buy ...
0
3
I’ll make long-term savings to accumulate money for more ...
22
4
I’ll make reserves (for unexpected event, special events,...
44
5
I’ll repay my earlier debts..
33
6
I’ll spend it on entertainment, on travel or vacation.
42
7
I’ll spend it on education and development of my children.
70
8
I’ll spend it on upgrade of my skills or training for a ...
23
9
I’ll spend it on my medical treatment and that of my ...
75
10
I’ll invest it in my own business.
131
11
I’ll buy an insurance policy for myself or the family, ...
18
12
I’ll buy gold, jewels and the like
5
13
I’ll invest it in the bank deposit at an interest rate
115
14
I’ll buy shares and other stock of Bosnian companies, ...
3
15
Other
0
16
Construction'
1
17
Education
0
18
Agricultural machines
1
19
I would give to humanitarian aid
0
20
I'd give to friends and relatives
0
21
I'd bought the position
0
99
Don’t know
0
Sysmiss
453
P46. Which of the following statements best describes your situation?
If household saves (codes 1 and 2 at P46) ask P46A and P46B, others to P47
1036
0
1
I try to save something and spend the rest of the money ...
156
2
I spend money on the everyday needs and save the rest
315
3
I spend all the money on everyday needs and do not ...
553
9
Don’t know
12
P46A. Comparing to your total monthly household income, approximately how much ar
Comparing to your total monthly household income, approximately how much are your savings?
471
565
1
Less than the monthly income
188
2
approx. 1-2 monthly incomes
110
3
approx. 2-3
64
4
approx. 4-6
40
5
approx. 7-12 monthly incomes
11
6
More than the annual income
6
9
Don’t know
52
Sysmiss
565
P46B. 1. What are the reasons to have made savings
What are the reasons to have made savings?
Multiple responses possible
471
565
1
For a rainy day, for unexpected expenses
362
2
For retirement
9
3
To leave something for children to inherit
19
4
To get income in the form of interest, increased market...
4
5
To increase my living standards in the future
34
6
I like saving rather than spending money
15
7
This is a family tradition
11
8
Other
0
9
Construction
0
10
Health treatment
2
11
Education
0
12
Vacation
0
13
Own business
1
99
Don’t know
14
Sysmiss
565
P46B. 2. What are the reasons to have made savings
What are the reasons to have made savings?
Multiple responses possible
193
843
1
For a rainy day, for unexpected expenses
0
2
For retirement
30
3
To leave something for children to inherit
39
4
To get income in the form of interest, increased market...
6
5
To increase my living standards in the future
64
6
I like saving rather than spending money
31
7
This is a family tradition
17
8
Other
0
9
Construction
0
10
Health treatment
0
11
Education
3
12
Vacation
2
13
Own business
1
99
Don’t know
0
Sysmiss
843
P46B. 3. What are the reasons to have made savings
What are the reasons to have made savings?
Multiple responses possible
63
973
1
For a rainy day, for unexpected expenses
0
2
For retirement
0
3
To leave something for children to inherit
14
4
To get income in the form of interest, increased market...
0
5
To increase my living standards in the future
16
6
I like saving rather than spending money
11
7
This is a family tradition
17
8
Other
0
9
Construction
2
10
Health treatment
0
11
Education
2
12
Vacation
1
13
Own business
0
99
Don’t know
0
Sysmiss
973
P46B. 4. What are the reasons to have made savings
What are the reasons to have made savings?
Multiple responses possible
9
1027
1
For a rainy day, for unexpected expenses
0
2
For retirement
0
3
To leave something for children to inherit
0
4
To get income in the form of interest, increased market...
0
5
To increase my living standards in the future
2
6
I like saving rather than spending money
2
7
This is a family tradition
5
8
Other
0
9
Construction
0
10
Health treatment
0
11
Education
0
12
Vacation
0
13
Own business
0
99
Don’t know
0
Sysmiss
1027
P46B. 5. What are the reasons to have made savings
What are the reasons to have made savings?
Multiple responses possible
2
1034
1
For a rainy day, for unexpected expenses
0
2
For retirement
0
3
To leave something for children to inherit
0
4
To get income in the form of interest, increased market...
0
5
To increase my living standards in the future
0
6
I like saving rather than spending money
0
7
This is a family tradition
2
8
Other
0
9
Construction
0
10
Health treatment
0
11
Education
0
12
Vacation
0
13
Own business
0
99
Don’t know
0
Sysmiss
1034
P46B. 6. What are the reasons to have made savings
What are the reasons to have made savings?
Multiple responses possible
0
1036
1
For a rainy day, for unexpected expenses
0
2
For retirement
0
3
To leave something for children to inherit
0
4
To get income in the form of interest, increased market...
0
5
To increase my living standards in the future
0
6
I like saving rather than spending money
0
7
This is a family tradition
0
8
Other
0
9
Construction
0
10
Health treatment
0
11
Education
0
12
Vacation
0
13
Own business
0
99
Don’t know
0
Sysmiss
1036
P47.1.What are the reasons for not saving at all?
What are the reasons?
Multiple responses possible
553
483
1
I don’t trust financial institutions
16
2
I cannot do this because of a low income
467
3
I don’t see the point in making savings
33
5
I cannot resist the temptation to spend the money ...
18
8
Other
0
9
I have a loan
3
10
I CAN NOT BECAUSE OF TREATMENT
0
11
Because prices are rising
1
99
Don’t know
15
Sysmiss
483
P47.2.What are the reasons for not saving at all?
What are the reasons?
Multiple responses possible
15
1021
1
I don’t trust financial institutions
0
2
I cannot do this because of a low income
5
3
I don’t see the point in making savings
3
5
I cannot resist the temptation to spend the money ...
5
8
Other
0
9
I have a loan
1
10
I CAN NOT BECAUSE OF TREATMENT
1
11
Because prices are rising
0
99
Don’t know
0
Sysmiss
1021
Age: (18-24) (35-34) (35-44) (45-54) (55-64)
1036
0
1
18-24
159
2
25-34
255
3
35-44
166
4
45-54
208
5
55-64
152
6
65+
96
Resp. 1. Sex
Sex
1036
0
1
Male
464
2
Female
572
Resp. 1. Age
Age
1036
0
18
85
42.001
15.781
Resp. 1. Highest level of education achieved
Highest level of education achieved
1036
0
1
no school or primary (1- 3 classes)
18
2
primary (4-7 classes)
38
3
primary school (all 8 classes)
116
4
one-year or two-year vocational school (reduced program)
12
5
three-year vocational school and apprentice
248
6
four-year vocational school and apprentice
349
7
High scool
64
8
post-secondary school, associate degree
66
9
college, academy, technical college
121
10
masters degree
3
11
doctoral studies
1
98
Don’t know/doesn’t want to respond
0
Resp. 1. Main occupational status in the present
Main occupational status in the present
1036
0
1
employee
397
2
other status of employed persons
30
3
business owner to 10 employees
12
4
business owner of 11-50 employees
2
5
business owner of 51-250 employees
1
6
business owner more than 250 employees
0
7
self-employed person in non-agricultural activities
19
8
self-employed person in agricultural activities
18
9
family helper
1
10
registered as unemployed
121
11
unregistered unemployed
68
12
retired - due to age
104
13
retired - other causes
77
14
pupil, student
102
15
housewife
79
16
person unable to work
4
17
another status of non working person
1
Resp. 2. Sex
Sex
912
124
1
Male
493
2
Female
419
Sysmiss
124
Resp. 2. Age
Age
912
124
1
85
45.648
14.382
Resp. 2. Highest level of education achieved
Highest level of education achieved
912
124
1
no school or primary (1- 3 classes)
23
2
primary (4-7 classes)
34
3
primary school (all 8 classes)
110
4
one-year or two-year vocational school (reduced program)
10
5
three-year vocational school and apprentice
247
6
four-year vocational school and apprentice
321
7
High scool
36
8
post-secondary school, associate degree
50
9
college, academy, technical college
79
10
masters degree
2
11
doctoral studies
0
98
Don’t know/doesn’t want to respond
0
Sysmiss
124
Resp. 2. Main occupational status in the present
Main occupational status in the present
912
124
1
employee
416
2
other status of employed persons
24
3
business owner to 10 employees
10
4
business owner of 11-50 employees
1
5
business owner of 51-250 employees
0
6
business owner more than 250 employees
1
7
self-employed person in non-agricultural activities
21
8
self-employed person in agricultural activities
17
9
family helper
2
10
registered as unemployed
97
11
unregistered unemployed
38
12
retired - due to age
80
13
retired - other causes
63
14
pupil, student
36
15
housewife
95
16
person unable to work
5
17
another status of non working person
5
98
1
Sysmiss
124
Resp. 3. Sex
Sex
656
380
1
Male
294
2
Female
362
Sysmiss
380
Resp. 3. Age
Age
656
380
1
86
31.666
19.033
Resp. 3. Highest level of education achieved
Highest level of education achieved
656
380
1
no school or primary (1- 3 classes)
112
2
primary (4-7 classes)
31
3
primary school (all 8 classes)
79
4
one-year or two-year vocational school (reduced program)
6
5
three-year vocational school and apprentice
99
6
four-year vocational school and apprentice
213
7
High scool
39
8
post-secondary school, associate degree
22
9
college, academy, technical college
52
10
masters degree
1
11
doctoral studies
0
98
Don’t know/doesn’t want to respond
0
998
2
Sysmiss
380
Resp. 3. Main occupational status in the present
Main occupational status in the present
656
380
1
employee
166
2
other status of employed persons
4
3
business owner to 10 employees
3
4
business owner of 11-50 employees
1
5
business owner of 51-250 employees
0
6
business owner more than 250 employees
0
7
self-employed person in non-agricultural activities
9
8
self-employed person in agricultural activities
7
9
family helper
0
10
registered as unemployed
78
11
unregistered unemployed
28
12
retired - due to age
32
13
retired - other causes
16
14
pupil, student
191
15
housewife
57
16
person unable to work
4
17
another status of non working person
58
98
2
Sysmiss
380
Resp. 4. Sex
Sex
386
650
1
Male
212
2
Female
174
Sysmiss
650
Resp. 4. Age
Age
386
650
1
77
22.702
15.641
Resp. 4. Highest level of education achieved
Highest level of education achieved
386
650
1
no school or primary (1- 3 classes)
100
2
primary (4-7 classes)
28
3
primary school (all 8 classes)
52
4
one-year or two-year vocational school (reduced program)
0
5
three-year vocational school and apprentice
42
6
four-year vocational school and apprentice
103
7
High scool
30
8
post-secondary school, associate degree
9
9
college, academy, technical college
19
10
masters degree
2
11
doctoral studies
0
98
Don’t know/doesn’t want to respond
0
998
1
Sysmiss
650
Resp. 4. Main occupational status in the present
Main occupational status in the present
386
650
1
employee
69
2
other status of employed persons
3
3
business owner to 10 employees
2
4
business owner of 11-50 employees
0
5
business owner of 51-250 employees
0
6
business owner more than 250 employees
0
7
self-employed person in non-agricultural activities
5
8
self-employed person in agricultural activities
3
9
family helper
1
10
registered as unemployed
35
11
unregistered unemployed
13
12
retired - due to age
7
13
retired - other causes
3
14
pupil, student
172
15
housewife
14
16
person unable to work
3
17
another status of non working person
55
98
1
Sysmiss
650
Resp. 5. Sex
Sex
109
927
1
Male
60
2
Female
49
Sysmiss
927
Resp. 5. Age
Age
109
927
1
85
19.954
18.711
Resp. 5. Highest level of education achieved
Highest level of education achieved
109
927
1
no school or primary (1- 3 classes)
45
2
primary (4-7 classes)
11
3
primary school (all 8 classes)
21
4
one-year or two-year vocational school (reduced program)
1
5
three-year vocational school and apprentice
10
6
four-year vocational school and apprentice
14
7
High scool
2
8
post-secondary school, associate degree
0
9
college, academy, technical college
5
10
masters degree
0
11
doctoral studies
0
98
Don’t know/doesn’t want to respond
0
Sysmiss
927
Resp. 5. Main occupational status in the present
Main occupational status in the present
109
927
1
employee
9
2
other status of employed persons
0
3
business owner to 10 employees
0
4
business owner of 11-50 employees
0
5
business owner of 51-250 employees
0
6
business owner more than 250 employees
0
7
self-employed person in non-agricultural activities
1
8
self-employed person in agricultural activities
1
9
family helper
0
10
registered as unemployed
6
11
unregistered unemployed
5
12
retired - due to age
8
13
retired - other causes
0
14
pupil, student
53
15
housewife
3
16
person unable to work
0
17
another status of non working person
23
Sysmiss
927
Resp. 6. Sex
Sex
42
994
1
Male
26
2
Female
16
Sysmiss
994
Resp. 6. Age
Age
42
994
1
80
16.929
22.631
Resp. 6. Highest level of education achieved
Highest level of education achieved
42
994
1
no school or primary (1- 3 classes)
27
2
primary (4-7 classes)
3
3
primary school (all 8 classes)
5
4
one-year or two-year vocational school (reduced program)
0
5
three-year vocational school and apprentice
2
6
four-year vocational school and apprentice
5
7
High scool
0
8
post-secondary school, associate degree
0
9
college, academy, technical college
0
10
masters degree
0
11
doctoral studies
0
98
Don’t know/doesn’t want to respond
0
Sysmiss
994
Resp. 6. Main occupational status in the present
Main occupational status in the present
42
994
1
employee
1
2
other status of employed persons
0
3
business owner to 10 employees
0
4
business owner of 11-50 employees
0
5
business owner of 51-250 employees
0
6
business owner more than 250 employees
0
7
self-employed person in non-agricultural activities
0
8
self-employed person in agricultural activities
0
9
family helper
0
10
registered as unemployed
2
11
unregistered unemployed
0
12
retired - due to age
4
13
retired - other causes
0
14
pupil, student
15
15
housewife
1
16
person unable to work
0
17
another status of non working person
19
Sysmiss
994
Resp. 7. Sex
Sex
9
1027
1
Male
7
2
Female
2
Sysmiss
1027
Resp. 7. Age
9
1027
1
2
2
3
3
1
8
1
14
1
20
1
Sysmiss
1027
Resp. 7. Highest level of education achieved
Highest level of education achieved
9
1027
1
no school or primary (1- 3 classes)
6
2
primary (4-7 classes)
1
3
primary school (all 8 classes)
1
4
one-year or two-year vocational school (reduced program)
0
5
three-year vocational school and apprentice
0
6
four-year vocational school and apprentice
1
7
High scool
0
8
post-secondary school, associate degree
0
9
college, academy, technical college
0
10
masters degree
0
11
doctoral studies
0
98
Don’t know/doesn’t want to respond
0
Sysmiss
1027
Resp. 7. Main occupational status in the present
Main occupational status in the present
9
1027
1
employee
0
2
other status of employed persons
0
3
business owner to 10 employees
0
4
business owner of 11-50 employees
0
5
business owner of 51-250 employees
0
6
business owner more than 250 employees
0
7
self-employed person in non-agricultural activities
0
8
self-employed person in agricultural activities
0
9
family helper
0
10
registered as unemployed
1
11
unregistered unemployed
0
12
retired - due to age
0
13
retired - other causes
0
14
pupil, student
2
15
housewife
0
16
person unable to work
0
17
another status of non working person
6
Sysmiss
1027
Person. 1. Main occupation of household member
Main occupation
FOR PERSONS WITH OCCUPATION ONLY
To be completed only for the persons aged 15+, members of the household
442
594
1
managers, business owners, entrepreneurs, mayor,...
21
2
intellectual occupations
93
3
technicians or foremen
57
4
clerks: secretary, librarian, cashier etc.
53
5
workers in services and commerce
74
6
qualified farmers or self-employed in agriculture
6
7
craftsmen and maintenance mechanics
43
8
skilled workers and operators
77
9
unskilled workers in non-agricultural sectors
13
10
daily workers/black market workers in agriculture ...
1
11
daily workers/black market workers in non-agricultural ...
3
12
military – all ranks
1
Sysmiss
594
Person. 1. Main source of income
Main source of income
To be completed only for the persons aged 15+, members of the household
1036
0
0
no income
303
1
salary/ wages
403
3
income from self-employed authorized non-agricultural ...
30
4
daily paid or occasional incomes
48
5
old age pension
115
6
disability, illness, veteran pension
63
7
agricultural (CAP) pension
2
8
unemployment/redundancy benefit
4
9
scholarship
13
10
child allowance
1
11
the minimum guaranteed income, social allowance
5
12
other social transfers
0
13
money received from relatives who work
4
14
private transfers
13
15
income from investments, savings or proprieties
0
16
income from self-employment agricultural activities
29
17
other
3
Person. 2. Main occupation of household member
Main occupation
FOR PERSONS WITH OCCUPATION ONLY
To be completed only for the persons aged 15+, members of the household
451
585
1
managers, business owners, entrepreneurs, mayor,...
20
2
intellectual occupations
58
3
technicians or foremen
41
4
clerks: secretary, librarian, cashier etc.
53
5
workers in services and commerce
62
6
qualified farmers or self-employed in agriculture
20
7
craftsmen and maintenance mechanics
54
8
skilled workers and operators
108
9
unskilled workers in non-agricultural sectors
23
10
daily workers/black market workers in agriculture ...
4
11
daily workers/black market workers in non-agricultural ...
4
12
military – all ranks
4
Sysmiss
585
Person. 2. Main source of income
Main source of income
To be completed only for the persons aged 15+, members of the household
903
133
0
no income
228
1
salary/ wages
417
3
income from self-employed authorized non-agricultural ...
39
4
daily paid or occasional incomes
39
5
old age pension
90
6
disability, illness, veteran pension
53
7
agricultural (CAP) pension
3
8
unemployment/redundancy benefit
2
9
scholarship
4
10
child allowance
1
11
the minimum guaranteed income, social allowance
1
12
other social transfers
1
13
money received from relatives who work
3
14
private transfers
6
15
income from investments, savings or proprieties
0
16
income from self-employment agricultural activities
16
17
other
0
Sysmiss
133
Person. 3. Main occupation of household member
Main occupation
FOR PERSONS WITH OCCUPATION ONLY
To be completed only for the persons aged 15+, members of the household
174
862
1
managers, business owners, entrepreneurs, mayor,...
12
2
intellectual occupations
37
3
technicians or foremen
19
4
clerks: secretary, librarian, cashier etc.
13
5
workers in services and commerce
27
6
qualified farmers or self-employed in agriculture
2
7
craftsmen and maintenance mechanics
24
8
skilled workers and operators
35
9
unskilled workers in non-agricultural sectors
3
10
daily workers/black market workers in agriculture ...
0
11
daily workers/black market workers in non-agricultural ...
2
12
military – all ranks
0
Sysmiss
862
Person. 3. Main source of income
Main source of income
To be completed only for the persons aged 15+, members of the household
521
515
0
no income
257
1
salary/ wages
162
3
income from self-employed authorized non-agricultural ...
10
4
daily paid or occasional incomes
8
5
old age pension
33
6
disability, illness, veteran pension
14
7
agricultural (CAP) pension
1
8
unemployment/redundancy benefit
1
9
scholarship
10
10
child allowance
0
11
the minimum guaranteed income, social allowance
1
12
other social transfers
0
13
money received from relatives who work
2
14
private transfers
11
15
income from investments, savings or proprieties
0
16
income from self-employment agricultural activities
8
17
other
3
Sysmiss
515
Person. 4. Main occupation of household member
Main occupation
FOR PERSONS WITH OCCUPATION ONLY
To be completed only for the persons aged 15+, members of the household
74
962
1
managers, business owners, entrepreneurs, mayor,...
10
2
intellectual occupations
12
3
technicians or foremen
6
4
clerks: secretary, librarian, cashier etc.
8
5
workers in services and commerce
12
6
qualified farmers or self-employed in agriculture
2
7
craftsmen and maintenance mechanics
6
8
skilled workers and operators
16
9
unskilled workers in non-agricultural sectors
1
10
daily workers/black market workers in agriculture ...
1
11
daily workers/black market workers in non-agricultural ...
0
12
military – all ranks
0
Sysmiss
962
Person. 4. Main source of income
Main source of income
To be completed only for the persons aged 15+, members of the household
249
787
0
no income
144
1
salary/ wages
65
3
income from self-employed authorized non-agricultural ...
10
4
daily paid or occasional incomes
6
5
old age pension
6
6
disability, illness, veteran pension
3
7
agricultural (CAP) pension
0
8
unemployment/redundancy benefit
1
9
scholarship
3
10
child allowance
1
11
the minimum guaranteed income, social allowance
2
12
other social transfers
0
13
money received from relatives who work
0
14
private transfers
5
15
income from investments, savings or proprieties
0
16
income from self-employment agricultural activities
3
17
other
0
Sysmiss
787
Person. 5. Main occupation of household member
Main occupation
FOR PERSONS WITH OCCUPATION ONLY
To be completed only for the persons aged 15+, members of the household
9
1027
1
managers, business owners, entrepreneurs, mayor,...
0
2
intellectual occupations
0
3
technicians or foremen
0
4
clerks: secretary, librarian, cashier etc.
1
5
workers in services and commerce
3
6
qualified farmers or self-employed in agriculture
0
7
craftsmen and maintenance mechanics
1
8
skilled workers and operators
3
9
unskilled workers in non-agricultural sectors
1
10
daily workers/black market workers in agriculture ...
0
11
daily workers/black market workers in non-agricultural ...
0
12
military – all ranks
0
Sysmiss
1027
Person. 5. Main source of income
Main source of income
To be completed only for the persons aged 15+, members of the household
51
985
0
no income
30
1
salary/ wages
7
3
income from self-employed authorized non-agricultural ...
1
4
daily paid or occasional incomes
1
5
old age pension
8
6
disability, illness, veteran pension
0
7
agricultural (CAP) pension
0
8
unemployment/redundancy benefit
0
9
scholarship
2
10
child allowance
0
11
the minimum guaranteed income, social allowance
0
12
other social transfers
0
13
money received from relatives who work
0
14
private transfers
0
15
income from investments, savings or proprieties
0
16
income from self-employment agricultural activities
1
17
other
1
Sysmiss
985
Person. 6. Main occupation of household member
Main occupation
FOR PERSONS WITH OCCUPATION ONLY
To be completed only for the persons aged 15+, members of the household
1
1035
1
managers, business owners, entrepreneurs, mayor,...
0
2
intellectual occupations
0
3
technicians or foremen
0
4
clerks: secretary, librarian, cashier etc.
0
5
workers in services and commerce
0
6
qualified farmers or self-employed in agriculture
0
7
craftsmen and maintenance mechanics
0
8
skilled workers and operators
1
9
unskilled workers in non-agricultural sectors
0
10
daily workers/black market workers in agriculture ...
0
11
daily workers/black market workers in non-agricultural ...
0
12
military – all ranks
0
Sysmiss
1035
Person. 6. Main source of income
Main source of income
To be completed only for the persons aged 15+, members of the household
12
1024
0
no income
7
1
salary/ wages
1
3
income from self-employed authorized non-agricultural ...
0
4
daily paid or occasional incomes
0
5
old age pension
4
6
disability, illness, veteran pension
0
7
agricultural (CAP) pension
0
8
unemployment/redundancy benefit
0
9
scholarship
0
10
child allowance
0
11
the minimum guaranteed income, social allowance
0
12
other social transfers
0
13
money received from relatives who work
0
14
private transfers
0
15
income from investments, savings or proprieties
0
16
income from self-employment agricultural activities
0
17
other
0
Sysmiss
1024
Person. 7. Main occupation of household member
Main occupation
FOR PERSONS WITH OCCUPATION ONLY
To be completed only for the persons aged 15+, members of the household
0
1036
1
managers, business owners, entrepreneurs, mayor,...
0
2
intellectual occupations
0
3
technicians or foremen
0
4
clerks: secretary, librarian, cashier etc.
0
5
workers in services and commerce
0
6
qualified farmers or self-employed in agriculture
0
7
craftsmen and maintenance mechanics
0
8
skilled workers and operators
0
9
unskilled workers in non-agricultural sectors
0
10
daily workers/black market workers in agriculture ...
0
11
daily workers/black market workers in non-agricultural ...
0
12
military – all ranks
0
Sysmiss
1036
Person. 7. Main source of income
Main source of income
To be completed only for the persons aged 15+, members of the household
1
1035
0
no income
1
1
salary/ wages
0
3
income from self-employed authorized non-agricultural ...
0
4
daily paid or occasional incomes
0
5
old age pension
0
6
disability, illness, veteran pension
0
7
agricultural (CAP) pension
0
8
unemployment/redundancy benefit
0
9
scholarship
0
10
child allowance
0
11
the minimum guaranteed income, social allowance
0
12
other social transfers
0
13
money received from relatives who work
0
14
private transfers
0
15
income from investments, savings or proprieties
0
16
income from self-employment agricultural activities
0
17
other
0
Sysmiss
1035
Last month (January, 2011), the total amount received from salaries, pensions, ch
Last month (January, 2011), the total amount received from salaries, pensions, child allowances, sales etc. by all household's members (including the respondent) was approximately...
1036
0
0
No income
5
1
1
5
1
8
Don’t know
62
9
No answer
194
100
2
120
1
140
1
142
1
150
3
160
3
170
1
180
1
200
7
248
1
250
6
260
2
280
1
290
2
295
1
296
14
297
2
300
26
305
1
308
1
309
1
310
9
315
1
317
1
320
4
340
2
341
1
350
9
355
1
360
1
370
5
390
2
395
1
400
35
409
1
420
5
450
16
470
3
500
50
520
2
550
8
600
56
610
1
630
1
640
1
650
11
660
1
680
2
696
1
700
48
750
7
800
64
850
4
870
1
895
1
900
36
939
1
950
2
1000
60
1035
1
1100
9
1196
1
1200
41
1250
2
1300
13
1350
1
1400
10
1500
37
1550
1
1600
18
1700
7
1750
1
1800
15
1900
6
1950
1
2000
38
2100
1
2250
1
2300
1
2500
12
2600
2
2800
1
3000
10
3050
1
3500
1
3700
1
3800
1
4000
2
4200
1
4500
1
5000
1
6500
1
And the total amount received by the respondent in KM was approximately
And the total amount received by the respondent (CPERS=01) in KM was approximately…
1036
0
0
No income
253
1
1
8
Don’t know
15
9
No answer
173
45
1
48
1
49
1
50
2
98
1
100
9
120
1
140
1
150
6
160
4
170
1
180
2
200
20
220
2
240
1
250
6
260
2
270
1
280
1
290
2
295
1
296
18
297
2
299
1
300
58
305
1
308
1
310
8
315
1
317
1
320
4
340
2
341
1
350
15
370
4
380
1
390
1
395
1
400
63
409
1
420
4
430
4
450
16
470
3
480
2
500
53
520
1
550
7
580
1
600
43
630
1
650
5
660
1
680
1
700
41
750
4
800
50
850
5
900
17
950
3
1000
27
1100
7
1200
16
1300
9
1400
3
1500
8
1600
2
1700
3
1800
2
2000
2
2300
1
5000
2
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
737
299
1
Consumer loan
118
2
Mortgage loan
7
3
Current account
464
4
Bank deposit
3
5
Bank debit card
22
6
Bank credit card
7
7
Insurance policies
95
8
Investments in stocks
1
9
Investment funds
4
10
Vehicle/land loans
4
11
Pawning goods
0
12
Loans from microcredit organizations
4
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
4
15
Buying on credit from food shops
4
16
Buying on credit from the electrical appliances shops
0
Sysmiss
299
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
416
620
1
Consumer loan
28
2
Mortgage loan
2
3
Current account
118
4
Bank deposit
6
5
Bank debit card
130
6
Bank credit card
17
7
Insurance policies
96
8
Investments in stocks
1
9
Investment funds
3
10
Vehicle/land loans
5
11
Pawning goods
0
12
Loans from microcredit organizations
5
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
0
15
Buying on credit from food shops
4
16
Buying on credit from the electrical appliances shops
1
Sysmiss
620
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
205
831
1
Consumer loan
9
2
Mortgage loan
2
3
Current account
8
4
Bank deposit
4
5
Bank debit card
55
6
Bank credit card
19
7
Insurance policies
90
8
Investments in stocks
1
9
Investment funds
4
10
Vehicle/land loans
4
11
Pawning goods
0
12
Loans from microcredit organizations
4
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
2
15
Buying on credit from food shops
1
16
Buying on credit from the electrical appliances shops
2
Sysmiss
831
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
81
955
1
Consumer loan
3
2
Mortgage loan
1
3
Current account
0
4
Bank deposit
1
5
Bank debit card
8
6
Bank credit card
15
7
Insurance policies
39
8
Investments in stocks
2
9
Investment funds
0
10
Vehicle/land loans
3
11
Pawning goods
0
12
Loans from microcredit organizations
6
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
2
15
Buying on credit from food shops
0
16
Buying on credit from the electrical appliances shops
1
Sysmiss
955
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
22
1014
1
Consumer loan
0
2
Mortgage loan
0
3
Current account
0
4
Bank deposit
0
5
Bank debit card
1
6
Bank credit card
3
7
Insurance policies
10
8
Investments in stocks
1
9
Investment funds
0
10
Vehicle/land loans
2
11
Pawning goods
0
12
Loans from microcredit organizations
2
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
3
15
Buying on credit from food shops
0
16
Buying on credit from the electrical appliances shops
0
Sysmiss
1014
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
3
1033
1
Consumer loan
1
2
Mortgage loan
0
3
Current account
0
4
Bank deposit
0
5
Bank debit card
0
6
Bank credit card
0
7
Insurance policies
0
8
Investments in stocks
0
9
Investment funds
0
10
Vehicle/land loans
1
11
Pawning goods
0
12
Loans from microcredit organizations
1
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
0
15
Buying on credit from food shops
0
16
Buying on credit from the electrical appliances shops
0
Sysmiss
1033
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
0
1036
1
Consumer loan
0
2
Mortgage loan
0
3
Current account
0
4
Bank deposit
0
5
Bank debit card
0
6
Bank credit card
0
7
Insurance policies
0
8
Investments in stocks
0
9
Investment funds
0
10
Vehicle/land loans
0
11
Pawning goods
0
12
Loans from microcredit organizations
0
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
0
15
Buying on credit from food shops
0
16
Buying on credit from the electrical appliances shops
0
Sysmiss
1036
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
619
417
1
Consumer loan
66
2
Mortgage loan
7
3
Current account
417
4
Bank deposit
0
5
Bank debit card
29
6
Bank credit card
8
7
Insurance policies
80
8
Investments in stocks
0
9
Investment funds
1
10
Vehicle/land loans
1
11
Pawning goods
0
12
Loans from microcredit organizations
7
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
2
15
Buying on credit from food shops
1
16
Buying on credit from the electrical appliances shops
0
Sysmiss
417
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
332
704
1
Consumer loan
42
2
Mortgage loan
2
3
Current account
62
4
Bank deposit
3
5
Bank debit card
127
6
Bank credit card
11
7
Insurance policies
67
8
Investments in stocks
0
9
Investment funds
3
10
Vehicle/land loans
6
11
Pawning goods
0
12
Loans from microcredit organizations
3
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
3
15
Buying on credit from food shops
1
16
Buying on credit from the electrical appliances shops
2
Sysmiss
704
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
130
906
1
Consumer loan
15
2
Mortgage loan
0
3
Current account
5
4
Bank deposit
1
5
Bank debit card
28
6
Bank credit card
17
7
Insurance policies
49
8
Investments in stocks
1
9
Investment funds
4
10
Vehicle/land loans
6
11
Pawning goods
0
12
Loans from microcredit organizations
2
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
1
15
Buying on credit from food shops
1
16
Buying on credit from the electrical appliances shops
0
Sysmiss
906
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
40
996
1
Consumer loan
2
2
Mortgage loan
0
3
Current account
0
4
Bank deposit
0
5
Bank debit card
2
6
Bank credit card
10
7
Insurance policies
19
8
Investments in stocks
1
9
Investment funds
0
10
Vehicle/land loans
4
11
Pawning goods
0
12
Loans from microcredit organizations
1
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
0
15
Buying on credit from food shops
1
16
Buying on credit from the electrical appliances shops
0
Sysmiss
996
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
11
1025
1
Consumer loan
1
2
Mortgage loan
0
3
Current account
1
4
Bank deposit
0
5
Bank debit card
0
6
Bank credit card
0
7
Insurance policies
7
8
Investments in stocks
0
9
Investment funds
0
10
Vehicle/land loans
2
11
Pawning goods
0
12
Loans from microcredit organizations
0
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
0
15
Buying on credit from food shops
0
16
Buying on credit from the electrical appliances shops
0
Sysmiss
1025
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
0
1036
1
Consumer loan
0
2
Mortgage loan
0
3
Current account
0
4
Bank deposit
0
5
Bank debit card
0
6
Bank credit card
0
7
Insurance policies
0
8
Investments in stocks
0
9
Investment funds
0
10
Vehicle/land loans
0
11
Pawning goods
0
12
Loans from microcredit organizations
0
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
0
15
Buying on credit from food shops
0
16
Buying on credit from the electrical appliances shops
0
Sysmiss
1036
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
259
777
1
Consumer loan
17
2
Mortgage loan
1
3
Current account
184
4
Bank deposit
0
5
Bank debit card
11
6
Bank credit card
3
7
Insurance policies
41
8
Investments in stocks
0
9
Investment funds
1
10
Vehicle/land loans
0
11
Pawning goods
0
12
Loans from microcredit organizations
0
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
0
15
Buying on credit from food shops
1
16
Buying on credit from the electrical appliances shops
0
Sysmiss
777
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
101
935
1
Consumer loan
10
2
Mortgage loan
1
3
Current account
16
4
Bank deposit
2
5
Bank debit card
44
6
Bank credit card
3
7
Insurance policies
21
8
Investments in stocks
0
9
Investment funds
1
10
Vehicle/land loans
1
11
Pawning goods
0
12
Loans from microcredit organizations
1
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
1
15
Buying on credit from food shops
0
16
Buying on credit from the electrical appliances shops
0
Sysmiss
935
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
32
1004
1
Consumer loan
1
2
Mortgage loan
0
3
Current account
1
4
Bank deposit
0
5
Bank debit card
9
6
Bank credit card
4
7
Insurance policies
14
8
Investments in stocks
0
9
Investment funds
0
10
Vehicle/land loans
2
11
Pawning goods
0
12
Loans from microcredit organizations
0
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
0
15
Buying on credit from food shops
0
16
Buying on credit from the electrical appliances shops
1
Sysmiss
1004
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
10
1026
1
Consumer loan
2
2
Mortgage loan
0
3
Current account
0
4
Bank deposit
0
5
Bank debit card
1
6
Bank credit card
2
7
Insurance policies
4
8
Investments in stocks
0
9
Investment funds
0
10
Vehicle/land loans
1
11
Pawning goods
0
12
Loans from microcredit organizations
0
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
0
15
Buying on credit from food shops
0
16
Buying on credit from the electrical appliances shops
0
Sysmiss
1026
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
2
1034
1
Consumer loan
0
2
Mortgage loan
0
3
Current account
1
4
Bank deposit
0
5
Bank debit card
0
6
Bank credit card
0
7
Insurance policies
0
8
Investments in stocks
0
9
Investment funds
0
10
Vehicle/land loans
1
11
Pawning goods
0
12
Loans from microcredit organizations
0
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
0
15
Buying on credit from food shops
0
16
Buying on credit from the electrical appliances shops
0
Sysmiss
1034
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
0
1036
1
Consumer loan
0
2
Mortgage loan
0
3
Current account
0
4
Bank deposit
0
5
Bank debit card
0
6
Bank credit card
0
7
Insurance policies
0
8
Investments in stocks
0
9
Investment funds
0
10
Vehicle/land loans
0
11
Pawning goods
0
12
Loans from microcredit organizations
0
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
0
15
Buying on credit from food shops
0
16
Buying on credit from the electrical appliances shops
0
Sysmiss
1036
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
122
914
1
Consumer loan
8
2
Mortgage loan
0
3
Current account
82
4
Bank deposit
0
5
Bank debit card
2
6
Bank credit card
2
7
Insurance policies
27
8
Investments in stocks
0
9
Investment funds
0
10
Vehicle/land loans
0
11
Pawning goods
0
12
Loans from microcredit organizations
1
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
0
15
Buying on credit from food shops
0
16
Buying on credit from the electrical appliances shops
0
Sysmiss
914
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
48
988
1
Consumer loan
6
2
Mortgage loan
1
3
Current account
4
4
Bank deposit
0
5
Bank debit card
21
6
Bank credit card
2
7
Insurance policies
11
8
Investments in stocks
0
9
Investment funds
0
10
Vehicle/land loans
2
11
Pawning goods
0
12
Loans from microcredit organizations
1
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
0
15
Buying on credit from food shops
0
16
Buying on credit from the electrical appliances shops
0
Sysmiss
988
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
14
1022
1
Consumer loan
1
2
Mortgage loan
0
3
Current account
1
4
Bank deposit
0
5
Bank debit card
4
6
Bank credit card
2
7
Insurance policies
6
8
Investments in stocks
0
9
Investment funds
0
10
Vehicle/land loans
0
11
Pawning goods
0
12
Loans from microcredit organizations
0
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
0
15
Buying on credit from food shops
0
16
Buying on credit from the electrical appliances shops
0
Sysmiss
1022
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
4
1032
1
Consumer loan
0
2
Mortgage loan
0
3
Current account
0
4
Bank deposit
0
5
Bank debit card
1
6
Bank credit card
1
7
Insurance policies
1
8
Investments in stocks
1
9
Investment funds
0
10
Vehicle/land loans
0
11
Pawning goods
0
12
Loans from microcredit organizations
0
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
0
15
Buying on credit from food shops
0
16
Buying on credit from the electrical appliances shops
0
Sysmiss
1032
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
0
1036
1
Consumer loan
0
2
Mortgage loan
0
3
Current account
0
4
Bank deposit
0
5
Bank debit card
0
6
Bank credit card
0
7
Insurance policies
0
8
Investments in stocks
0
9
Investment funds
0
10
Vehicle/land loans
0
11
Pawning goods
0
12
Loans from microcredit organizations
0
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
0
15
Buying on credit from food shops
0
16
Buying on credit from the electrical appliances shops
0
Sysmiss
1036
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
0
1036
1
Consumer loan
0
2
Mortgage loan
0
3
Current account
0
4
Bank deposit
0
5
Bank debit card
0
6
Bank credit card
0
7
Insurance policies
0
8
Investments in stocks
0
9
Investment funds
0
10
Vehicle/land loans
0
11
Pawning goods
0
12
Loans from microcredit organizations
0
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
0
15
Buying on credit from food shops
0
16
Buying on credit from the electrical appliances shops
0
Sysmiss
1036
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
20
1016
1
Consumer loan
0
2
Mortgage loan
0
3
Current account
11
4
Bank deposit
0
5
Bank debit card
0
6
Bank credit card
0
7
Insurance policies
9
8
Investments in stocks
0
9
Investment funds
0
10
Vehicle/land loans
0
11
Pawning goods
0
12
Loans from microcredit organizations
0
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
0
15
Buying on credit from food shops
0
16
Buying on credit from the electrical appliances shops
0
Sysmiss
1016
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
9
1027
1
Consumer loan
4
2
Mortgage loan
0
3
Current account
0
4
Bank deposit
0
5
Bank debit card
5
6
Bank credit card
0
7
Insurance policies
0
8
Investments in stocks
0
9
Investment funds
0
10
Vehicle/land loans
0
11
Pawning goods
0
12
Loans from microcredit organizations
0
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
0
15
Buying on credit from food shops
0
16
Buying on credit from the electrical appliances shops
0
Sysmiss
1027
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
6
1030
1
Consumer loan
0
2
Mortgage loan
0
3
Current account
0
4
Bank deposit
0
5
Bank debit card
1
6
Bank credit card
1
7
Insurance policies
3
8
Investments in stocks
0
9
Investment funds
0
10
Vehicle/land loans
1
11
Pawning goods
0
12
Loans from microcredit organizations
0
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
0
15
Buying on credit from food shops
0
16
Buying on credit from the electrical appliances shops
0
Sysmiss
1030
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
0
1036
1
Consumer loan
0
2
Mortgage loan
0
3
Current account
0
4
Bank deposit
0
5
Bank debit card
0
6
Bank credit card
0
7
Insurance policies
0
8
Investments in stocks
0
9
Investment funds
0
10
Vehicle/land loans
0
11
Pawning goods
0
12
Loans from microcredit organizations
0
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
0
15
Buying on credit from food shops
0
16
Buying on credit from the electrical appliances shops
0
Sysmiss
1036
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
0
1036
1
Consumer loan
0
2
Mortgage loan
0
3
Current account
0
4
Bank deposit
0
5
Bank debit card
0
6
Bank credit card
0
7
Insurance policies
0
8
Investments in stocks
0
9
Investment funds
0
10
Vehicle/land loans
0
11
Pawning goods
0
12
Loans from microcredit organizations
0
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
0
15
Buying on credit from food shops
0
16
Buying on credit from the electrical appliances shops
0
Sysmiss
1036
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
0
1036
1
Consumer loan
0
2
Mortgage loan
0
3
Current account
0
4
Bank deposit
0
5
Bank debit card
0
6
Bank credit card
0
7
Insurance policies
0
8
Investments in stocks
0
9
Investment funds
0
10
Vehicle/land loans
0
11
Pawning goods
0
12
Loans from microcredit organizations
0
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
0
15
Buying on credit from food shops
0
16
Buying on credit from the electrical appliances shops
0
Sysmiss
1036
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
2
1034
1
Consumer loan
0
2
Mortgage loan
0
3
Current account
1
4
Bank deposit
0
5
Bank debit card
0
6
Bank credit card
0
7
Insurance policies
1
8
Investments in stocks
0
9
Investment funds
0
10
Vehicle/land loans
0
11
Pawning goods
0
12
Loans from microcredit organizations
0
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
0
15
Buying on credit from food shops
0
16
Buying on credit from the electrical appliances shops
0
Sysmiss
1034
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
0
1036
1
Consumer loan
0
2
Mortgage loan
0
3
Current account
0
4
Bank deposit
0
5
Bank debit card
0
6
Bank credit card
0
7
Insurance policies
0
8
Investments in stocks
0
9
Investment funds
0
10
Vehicle/land loans
0
11
Pawning goods
0
12
Loans from microcredit organizations
0
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
0
15
Buying on credit from food shops
0
16
Buying on credit from the electrical appliances shops
0
Sysmiss
1036
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
0
1036
1
Consumer loan
0
2
Mortgage loan
0
3
Current account
0
4
Bank deposit
0
5
Bank debit card
0
6
Bank credit card
0
7
Insurance policies
0
8
Investments in stocks
0
9
Investment funds
0
10
Vehicle/land loans
0
11
Pawning goods
0
12
Loans from microcredit organizations
0
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
0
15
Buying on credit from food shops
0
16
Buying on credit from the electrical appliances shops
0
Sysmiss
1036
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
0
1036
1
Consumer loan
0
2
Mortgage loan
0
3
Current account
0
4
Bank deposit
0
5
Bank debit card
0
6
Bank credit card
0
7
Insurance policies
0
8
Investments in stocks
0
9
Investment funds
0
10
Vehicle/land loans
0
11
Pawning goods
0
12
Loans from microcredit organizations
0
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
0
15
Buying on credit from food shops
0
16
Buying on credit from the electrical appliances shops
0
Sysmiss
1036
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
0
1036
1
Consumer loan
0
2
Mortgage loan
0
3
Current account
0
4
Bank deposit
0
5
Bank debit card
0
6
Bank credit card
0
7
Insurance policies
0
8
Investments in stocks
0
9
Investment funds
0
10
Vehicle/land loans
0
11
Pawning goods
0
12
Loans from microcredit organizations
0
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
0
15
Buying on credit from food shops
0
16
Buying on credit from the electrical appliances shops
0
Sysmiss
1036
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
0
1036
1
Consumer loan
0
2
Mortgage loan
0
3
Current account
0
4
Bank deposit
0
5
Bank debit card
0
6
Bank credit card
0
7
Insurance policies
0
8
Investments in stocks
0
9
Investment funds
0
10
Vehicle/land loans
0
11
Pawning goods
0
12
Loans from microcredit organizations
0
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
0
15
Buying on credit from food shops
0
16
Buying on credit from the electrical appliances shops
0
Sysmiss
1036
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
0
1036
1
Consumer loan
0
2
Mortgage loan
0
3
Current account
0
4
Bank deposit
0
5
Bank debit card
0
6
Bank credit card
0
7
Insurance policies
0
8
Investments in stocks
0
9
Investment funds
0
10
Vehicle/land loans
0
11
Pawning goods
0
12
Loans from microcredit organizations
0
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
0
15
Buying on credit from food shops
0
16
Buying on credit from the electrical appliances shops
0
Sysmiss
1036
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
0
1036
1
Consumer loan
0
2
Mortgage loan
0
3
Current account
0
4
Bank deposit
0
5
Bank debit card
0
6
Bank credit card
0
7
Insurance policies
0
8
Investments in stocks
0
9
Investment funds
0
10
Vehicle/land loans
0
11
Pawning goods
0
12
Loans from microcredit organizations
0
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
0
15
Buying on credit from food shops
0
16
Buying on credit from the electrical appliances shops
0
Sysmiss
1036
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
0
1036
1
Consumer loan
0
2
Mortgage loan
0
3
Current account
0
4
Bank deposit
0
5
Bank debit card
0
6
Bank credit card
0
7
Insurance policies
0
8
Investments in stocks
0
9
Investment funds
0
10
Vehicle/land loans
0
11
Pawning goods
0
12
Loans from microcredit organizations
0
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
0
15
Buying on credit from food shops
0
16
Buying on credit from the electrical appliances shops
0
Sysmiss
1036
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
0
1036
1
Consumer loan
0
2
Mortgage loan
0
3
Current account
0
4
Bank deposit
0
5
Bank debit card
0
6
Bank credit card
0
7
Insurance policies
0
8
Investments in stocks
0
9
Investment funds
0
10
Vehicle/land loans
0
11
Pawning goods
0
12
Loans from microcredit organizations
0
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
0
15
Buying on credit from food shops
0
16
Buying on credit from the electrical appliances shops
0
Sysmiss
1036
SF1 - Which of listed financial services/products do you personally use in a bank
What type of financial services do you use?
Section C 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 parents' line.
0
1036
1
Consumer loan
0
2
Mortgage loan
0
3
Current account
0
4
Bank deposit
0
5
Bank debit card
0
6
Bank credit card
0
7
Insurance policies
0
8
Investments in stocks
0
9
Investment funds
0
10
Vehicle/land loans
0
11
Pawning goods
0
12
Loans from microcredit organizations
0
13
Loans from usurers
0
14
Loans from relatives, friends, acquaintances.
0
15
Buying on credit from food shops
0
16
Buying on credit from the electrical appliances shops
0
Sysmiss
1036
USF1a. What type of insurances policies do you have? Life insurance
If the respondent has insurance policies
What type of insurances policies do you have? Life insurance
316
720
1
Yes
41
2
No
275
Sysmiss
720
USF1b. What type of insurances policies do you have? Medical insurance
If the respondent has insurance policies
What type of insurances policies do you have? Medical insurance
316
720
1
Yes
251
2
No
65
Sysmiss
720
USF1c. What type of insurances policies do you have? Household insurance
If the respondent has insurance policies
What type of insurances policies do you have? Household insurance
316
720
1
Yes
5
2
No
311
Sysmiss
720
USF1d. What type of insurances policies do you have? Car insurance-CASCO
If the respondent has insurance policies
What type of insurances policies do you have? Car insurance-CASCO
316
720
1
Yes
180
2
No
136
Sysmiss
720
USF1e. What type of insurances policies do you have? Land/crop insurance
If the respondent has insurance policies
What type of insurances policies do you have? Land/crop insurance
316
720
1
Yes
2
2
No
314
Sysmiss
720
USF1f. What type of insurances policies do you have? Other...
If the respondent has insurance policies
What type of insurances policies do you have? Other...
316
720
1
Yes
0
2
No
316
Sysmiss
720
Other... (verbatim)
If the respondent has insurance policies
What type of insurances policies do you have? Other...
0
1036
Sysmiss
1036
USF2. Type of the financial institution – a bank or a micro-credit organization L
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Type of the financial institution - a bank or a micro-credit organization
194
842
1
bank
157
2
micro-credit organization
30
8
No answer
7
Sysmiss
842
USF3. Loan repayment period (no of months)? LOAN 1
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Loan repayment period (no of months)?
194
842
1
1
4
1
6
2
9
1
10
1
12
47
15
1
18
1
24
42
26
1
27
1
36
20
48
3
50
1
60
34
64
1
80
1
84
6
120
10
134
1
150
1
180
3
181
1
998
No answer
13
Sysmiss
842
USF4. Is it a consumer or mortgage loan 1
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Is it a consumer or mortgage loan
194
842
1
consumer
170
2
mortgage
17
8
No answer
7
Sysmiss
842
USF5. Is it a domestic or foreign currency loan 1
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Is it a domestic or foreign currency loan
194
842
1
KM
184
2
foreign currency
3
8
No answer
7
Sysmiss
842
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Is the interest rate fixed or variable?
194
842
1
fixed
143
2
variable
43
8
No answer
8
Sysmiss
842
USF7. Are you currently behind with repayment of your installments? loan 1
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Are you currently behind with repayment of your installments?
194
842
1
Yes
19
2
No
169
8
No answer
6
Sysmiss
842
USF8. Do you face difficulties with repayment of your loan instalments? Loan 1
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Do you face difficulties with repayment of your loan instalments?
194
842
1
Yes
40
2
No
148
8
No answer
6
Sysmiss
842
USF2. Type of the financial institution – a bank or a micro-credit organization L
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Type of the financial institution - a bank or a micro-credit organization
194
842
1
bank
6
2
micro-credit organization
12
8
No answer
176
Sysmiss
842
USF3. Loan repayment period (no of months)? LOAN 2
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Loan repayment period (no of months)?
18
1018
2
1
12
7
24
2
36
2
48
1
60
1
84
1
120
2
998
No answer
1
Sysmiss
1018
USF4. Is it a consumer or mortgage loan 2
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Is it a consumer or mortgage loan ?
18
1018
1
consumer
14
2
mortgage
3
8
No answer
1
Sysmiss
1018
USF5. Is it a domestic or foreign currency loan 2
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Is it a domestic or foreign currency loan ?
18
1018
1
KM
17
2
foreign currency
0
8
No answer
1
Sysmiss
1018
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Is the interest rate fixed or variable?
18
1018
1
fixed
10
2
variable
6
8
No answer
2
Sysmiss
1018
USF7. Are you currently behind with repayment of your installments? loan 2
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Are you currently behind with repayment of your installments?
18
1018
1
Yes
1
2
No
16
8
No answer
1
Sysmiss
1018
USF8. Do you face difficulties with repayment of your loan instalments? Loan 2
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Do you face difficulties with repayment of your loan instalments?
18
1018
1
Yes
7
2
No
10
8
No answer
1
Sysmiss
1018
USF2. Type of the financial institution – a bank or a micro-credit organization L
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Type of the financial institution - a bank or a micro-credit organization
18
1018
1
bank
1
2
micro-credit organization
0
8
No answer
17
Sysmiss
1018
USF3. Loan repayment period (no of months)? LOAN 3
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Loan repayment period (no of months)?
1
1035
24
1
998
No answer
0
Sysmiss
1035
USF4. Is it a consumer or mortgage loan 3
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Is it a consumer or mortgage loan ?
1
1035
1
consumer
1
2
mortgage
0
8
No answer
0
Sysmiss
1035
USF5. Is it a domestic or foreign currency loan 3
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Is it a domestic or foreign currency loan ?
1
1035
1
KM
1
2
foreign currency
0
8
No answer
0
Sysmiss
1035
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Is the interest rate fixed or variable?
1
1035
1
fixed
1
2
variable
0
8
No answer
0
Sysmiss
1035
USF7. Are you currently behind with repayment of your installments? loan 3
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Are you currently behind with repayment of your installments?
1
1035
1
Yes
0
2
No
1
8
No answer
0
Sysmiss
1035
USF8. Do you face difficulties with repayment of your loan instalments? Loan 3
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Do you face difficulties with repayment of your loan instalments?
1
1035
1
Yes
1
2
No
0
8
No answer
0
Sysmiss
1035
USF8. Did you happen to buy a financial service during the last five years with w
If the respondent has loans (SEE TABLE BEFORE QUESTIONS SF1 TO SF6 FOR THE RESPONDENT, CODES 1, 2, 10, 12)
Did you happen to buy a financial service during the last five years with which you were not satisfied later as the service did not meet your needs?
1036
0
1
Yes
42
2
No
921
7
Does not use any Financial Service
71
9
Don’t know
2
USF8A. What kind of service was it?
If Yes (code 1 at USF8)
What kind of service was it?
Multiple responses possible
43
993
1
A consumer loan
19
2
A mortgage loan
2
3
Current account
9
4
Bank deposit (savings)
1
5
A bank debit card
1
6
A credit card
1
7
An insurance policy
2
8
Investment in stocks
1
9
Investment funds
1
10
Vehicle/land loans
0
11
Pawning goods
0
12
Loans from microcredit organizations
6
Sysmiss
993
USF8A. What kind of service was it?
If Yes (code 1 at USF8)
What kind of service was it?
Multiple responses possible
1
1035
1
A consumer loan
0
2
A mortgage loan
0
3
Current account
0
4
Bank deposit (savings)
0
5
A bank debit card
0
6
A credit card
0
7
An insurance policy
0
8
Investment in stocks
1
9
Investment funds
0
10
Vehicle/land loans
0
11
Pawning goods
0
12
Loans from microcredit organizations
0
Sysmiss
1035
USF8A. What kind of service was it?
If Yes (code 1 at USF8)
What kind of service was it?
Multiple responses possible
0
1036
1
A consumer loan
0
2
A mortgage loan
0
3
Current account
0
4
Bank deposit (savings)
0
5
A bank debit card
0
6
A credit card
0
7
An insurance policy
0
8
Investment in stocks
0
9
Investment funds
0
10
Vehicle/land loans
0
11
Pawning goods
0
12
Loans from microcredit organizations
0
Sysmiss
1036
USF8A. What kind of service was it?
If Yes (code 1 at USF8)
What kind of service was it?
Multiple responses possible
0
1036
1
A consumer loan
0
2
A mortgage loan
0
3
Current account
0
4
Bank deposit (savings)
0
5
A bank debit card
0
6
A credit card
0
7
An insurance policy
0
8
Investment in stocks
0
9
Investment funds
0
10
Vehicle/land loans
0
11
Pawning goods
0
12
Loans from microcredit organizations
0
Sysmiss
1036
USF8A. What kind of service was it?
If Yes (code 1 at USF8)
What kind of service was it?
Multiple responses possible
0
1036
1
A consumer loan
0
2
A mortgage loan
0
3
Current account
0
4
Bank deposit (savings)
0
5
A bank debit card
0
6
A credit card
0
7
An insurance policy
0
8
Investment in stocks
0
9
Investment funds
0
10
Vehicle/land loans
0
11
Pawning goods
0
12
Loans from microcredit organizations
0
Sysmiss
1036
USF8A. What kind of service was it?
If Yes (code 1 at USF8)
What kind of service was it?
Multiple responses possible
0
1036
1
A consumer loan
0
2
A mortgage loan
0
3
Current account
0
4
Bank deposit (savings)
0
5
A bank debit card
0
6
A credit card
0
7
An insurance policy
0
8
Investment in stocks
0
9
Investment funds
0
10
Vehicle/land loans
0
11
Pawning goods
0
12
Loans from microcredit organizations
0
Sysmiss
1036
USF8A. What kind of service was it?
If Yes (code 1 at USF8)
What kind of service was it?
Multiple responses possible
0
1036
1
A consumer loan
0
2
A mortgage loan
0
3
Current account
0
4
Bank deposit (savings)
0
5
A bank debit card
0
6
A credit card
0
7
An insurance policy
0
8
Investment in stocks
0
9
Investment funds
0
10
Vehicle/land loans
0
11
Pawning goods
0
12
Loans from microcredit organizations
0
Sysmiss
1036
USF8A. What kind of service was it?
If Yes (code 1 at USF8)
What kind of service was it?
Multiple responses possible
0
1036
1
A consumer loan
0
2
A mortgage loan
0
3
Current account
0
4
Bank deposit (savings)
0
5
A bank debit card
0
6
A credit card
0
7
An insurance policy
0
8
Investment in stocks
0
9
Investment funds
0
10
Vehicle/land loans
0
11
Pawning goods
0
12
Loans from microcredit organizations
0
Sysmiss
1036
USF8A. What kind of service was it?
If Yes (code 1 at USF8)
What kind of service was it?
Multiple responses possible
0
1036
1
A consumer loan
0
2
A mortgage loan
0
3
Current account
0
4
Bank deposit (savings)
0
5
A bank debit card
0
6
A credit card
0
7
An insurance policy
0
8
Investment in stocks
0
9
Investment funds
0
10
Vehicle/land loans
0
11
Pawning goods
0
12
Loans from microcredit organizations
0
Sysmiss
1036
USF8A. What kind of service was it?
If Yes (code 1 at USF8)
What kind of service was it?
Multiple responses possible
0
1036
1
A consumer loan
0
2
A mortgage loan
0
3
Current account
0
4
Bank deposit (savings)
0
5
A bank debit card
0
6
A credit card
0
7
An insurance policy
0
8
Investment in stocks
0
9
Investment funds
0
10
Vehicle/land loans
0
11
Pawning goods
0
12
Loans from microcredit organizations
0
Sysmiss
1036
USF8A. What kind of service was it?
If Yes (code 1 at USF8)
What kind of service was it?
Multiple responses possible
0
1036
1
A consumer loan
0
2
A mortgage loan
0
3
Current account
0
4
Bank deposit (savings)
0
5
A bank debit card
0
6
A credit card
0
7
An insurance policy
0
8
Investment in stocks
0
9
Investment funds
0
10
Vehicle/land loans
0
11
Pawning goods
0
12
Loans from microcredit organizations
0
Sysmiss
1036
USF8A. What kind of service was it?
If Yes (code 1 at USF8)
What kind of service was it?
Multiple responses possible
0
1036
1
A consumer loan
0
2
A mortgage loan
0
3
Current account
0
4
Bank deposit (savings)
0
5
A bank debit card
0
6
A credit card
0
7
An insurance policy
0
8
Investment in stocks
0
9
Investment funds
0
10
Vehicle/land loans
0
11
Pawning goods
0
12
Loans from microcredit organizations
0
Sysmiss
1036
USF8B. What did you do after you discovered the problem?
What did you do after you discovered the problem?
Multiple responses possible
43
993
1
Nothing
28
2
I stopped using the service before the contract expired
9
3
I submitted a complaint to the company which sold me...
1
4
I submitted a complaint to the appropriate government...
0
5
Other
0
6
withdraw from loan
2
99
Don’t know, Don’t remember
3
Sysmiss
993
USF8B. What did you do after you discovered the problem?
What did you do after you discovered the problem?
Multiple responses possible
0
1036
1
Nothing
0
2
I stopped using the service before the contract expired
0
3
I submitted a complaint to the company which sold me...
0
4
I submitted a complaint to the appropriate government...
0
5
Other
0
6
withdraw from loan
0
99
Don’t know, Don’t remember
0
Sysmiss
1036
USF8B. What did you do after you discovered the problem?
What did you do after you discovered the problem?
Multiple responses possible
0
1036
1
Nothing
0
2
I stopped using the service before the contract expired
0
3
I submitted a complaint to the company which sold me...
0
4
I submitted a complaint to the appropriate government...
0
5
Other
0
6
withdraw from loan
0
99
Don’t know, Don’t remember
0
Sysmiss
1036
USF8B. What did you do after you discovered the problem?
What did you do after you discovered the problem?
Multiple responses possible
0
1036
1
Nothing
0
2
I stopped using the service before the contract expired
0
3
I submitted a complaint to the company which sold me...
0
4
I submitted a complaint to the appropriate government...
0
5
Other
0
6
withdraw from loan
0
99
Don’t know, Don’t remember
0
Sysmiss
1036
USF8B. What did you do after you discovered the problem?
What did you do after you discovered the problem?
Multiple responses possible
0
1036
1
Nothing
0
2
I stopped using the service before the contract expired
0
3
I submitted a complaint to the company which sold me...
0
4
I submitted a complaint to the appropriate government...
0
5
Other
0
6
withdraw from loan
0
99
Don’t know, Don’t remember
0
Sysmiss
1036
USF8B. What did you do after you discovered the problem?
What did you do after you discovered the problem?
Multiple responses possible
0
1036
1
Nothing
0
2
I stopped using the service before the contract expired
0
3
I submitted a complaint to the company which sold me...
0
4
I submitted a complaint to the appropriate government...
0
5
Other
0
6
withdraw from loan
0
99
Don’t know, Don’t remember
0
Sysmiss
1036
VENSUB. Which of the descriptions comes closest to your households income nowaday
Which of the descriptions comes closest to your household's income nowadays?
1036
0
1
We hardly make the ends meet.
205
2
We have enough money to buy food but buying clothes ...
197
3
336
4
We have no trouble buying durable goods, but purchase...
185
5
We can afford quite expensive things.
97
9
Don’t know
16
UTILa. Car
Does your household have...? Car
1036
0
1
Yes
654
2
No
382
UTILb. Landline telephone
Does your household have...? Landline telephone
1036
0
1
Yes
645
2
No
391
UTILc. Computer (PC)
Does your household have...? Computer (PC)
1036
0
1
Yes
661
2
No
375
UTILd. Access to Internet
Does your household have...? Access to Internet
1036
0
1
Yes
546
2
No
490
LOC1. The dwelling is …
1036
0
1
in a central area of the village/town/city
502
2
in a peripheral area of the village/town/city
297
3
in other area of the village/town/city
237
LOC2. The dwelling is …
1036
0
1
in a good area
810
2
in a poor area
57
3
in a bad-famed area
3
4
in a rather good area
166
D1.a. Did you travel abroad?
1036
0
1
Yes
410
2
No
626
D1.b. Did you work abroad?
1036
0
1
Yes
57
2
No
979
D1.c. Did anyone else from your household work abroad?
1036
0
1
Yes
129
2
No
907
D2. After graduating did you take any other courses for specialization / requalif
After graduating did you take any other courses for specialization / requalification?
1036
0
1
Yes
97
2
No
892
7
N/A (she/he is in school now)
47
NAT. What is your ethnicity?
What is your ethnicity?
1036
0
1
Bosniac
511
2
Croat
138
3
Serb
365
4
Other
22
Interview end time
Interview end time
1036
0
09:00:00
1
09:30:00
1
09:35:00
1
09:39:00
1
09:40:00
1
09:46:00
1
09:48:00
1
09:49:00
1
10:00:00
3
10:05:00
1
10:09:00
1
10:10:00
1
10:15:00
1
10:20:00
1
10:25:00
2
10:27:00
1
10:30:00
10
10:31:00
1
10:34:00
1
10:35:00
4
10:37:00
2
10:40:00
5
10:41:00
1
10:42:00
2
10:43:00
1
10:45:00
7
10:46:00
1
10:48:00
2
10:50:00
5
10:55:00
2
10:57:00
1
11:00:00
4
11:01:00
1
11:04:00
1
11:05:00
4
11:07:00
1
11:10:00
10
11:15:00
9
11:16:00
1
11:18:00
1
11:19:00
1
11:20:00
4
11:23:00
1
11:24:00
1
11:25:00
5
11:30:00
7
11:32:00
1
11:34:00
1
11:35:00
9
11:36:00
1
11:40:00
6
11:41:00
3
11:42:00
2
11:45:00
3
11:49:00
2
11:50:00
5
11:51:00
1
11:55:00
7
11:56:00
1
12:00:00
13
12:01:00
1
12:02:00
3
12:05:00
1
12:07:00
1
12:09:00
1
12:10:00
9
12:14:00
1
12:15:00
1
12:16:00
1
12:18:00
1
12:20:00
10
12:21:00
2
12:23:00
1
12:24:00
1
12:25:00
7
12:26:00
1
12:27:00
1
12:30:00
11
12:31:00
3
12:32:00
2
12:33:00
3
12:35:00
6
12:37:00
1
12:39:00
2
12:40:00
8
12:41:00
2
12:45:00
7
12:46:00
1
12:47:00
1
12:50:00
10
12:55:00
4
12:57:00
2
12:58:00
1
13:00:00
12
13:02:00
1
13:03:00
1
13:04:00
1
13:05:00
6
13:07:00
1
13:08:00
1
13:09:00
1
13:10:00
15
13:12:00
2
13:13:00
1
13:14:00
1
13:15:00
3
13:16:00
3
13:17:00
1
13:18:00
2
13:19:00
1
13:20:00
8
13:25:00
7
13:26:00
1
13:29:00
1
13:30:00
11
13:31:00
1
13:32:00
2
13:34:00
1
13:35:00
8
13:38:00
2
13:40:00
7
13:43:00
1
13:44:00
1
13:45:00
8
13:48:00
1
13:50:00
14
13:51:00
2
13:52:00
1
13:55:00
3
13:58:00
1
14:00:00
13
14:02:00
4
14:03:00
3
14:04:00
1
14:05:00
3
14:06:00
1
14:08:00
1
14:10:00
10
14:11:00
3
14:15:00
9
14:17:00
1
14:20:00
8
14:21:00
1
14:24:00
2
14:25:00
8
14:26:00
1
14:30:00
10
14:31:00
2
14:34:00
2
14:35:00
4
14:40:00
9
14:41:00
1
14:45:00
4
14:46:00
1
14:47:00
1
14:48:00
2
14:50:00
12
14:51:00
1
14:52:00
1
14:55:00
4
14:58:00
1
15:00:00
18
15:01:00
1
15:02:00
1
15:03:00
2
15:04:00
1
15:05:00
6
15:09:00
2
15:10:00
9
15:11:00
2
15:15:00
7
15:16:00
2
15:17:00
1
15:18:00
1
15:20:00
8
15:23:00
1
15:24:00
1
15:25:00
5
15:30:00
14
15:33:00
2
15:34:00
2
15:35:00
6
15:36:00
1
15:37:00
2
15:38:00
1
15:39:00
1
15:40:00
15
15:41:00
2
15:42:00
2
15:43:00
1
15:45:00
4
15:47:00
1
15:48:00
1
15:50:00
3
15:51:00
1
15:55:00
3
15:58:00
1
15:59:00
1
16:00:00
16
16:02:00
1
16:03:00
1
16:04:00
1
16:05:00
6
16:06:00
1
16:07:00
1
16:09:00
2
16:10:00
9
16:12:00
2
16:15:00
4
16:17:00
1
16:18:00
3
16:19:00
1
16:20:00
6
16:22:00
1
16:23:00
1
16:25:00
4
16:26:00
1
16:28:00
1
16:30:00
24
16:33:00
1
16:35:00
4
16:37:00
1
16:38:00
1
16:40:00
11
16:42:00
1
16:44:00
1
16:45:00
3
16:47:00
2
16:48:00
1
16:50:00
6
16:55:00
5
16:57:00
2
16:58:00
3
17:00:00
10
17:02:00
1
17:03:00
1
17:04:00
2
17:05:00
5
17:07:00
1
17:08:00
1
17:10:00
9
17:11:00
2
17:15:00
5
17:18:00
1
17:20:00
5
17:21:00
3
17:22:00
1
17:23:00
1
17:25:00
3
17:26:00
1
17:28:00
1
17:29:00
1
17:30:00
11
17:32:00
1
17:33:00
1
17:34:00
1
17:35:00
3
17:37:00
2
17:40:00
9
17:42:00
1
17:43:00
3
17:45:00
1
17:49:00
1
17:50:00
6
17:51:00
1
17:52:00
1
17:54:00
1
17:55:00
1
17:56:00
1
18:00:00
8
18:01:00
1
18:02:00
2
18:05:00
5
18:10:00
3
18:13:00
3
18:14:00
1
18:15:00
4
18:22:00
2
18:23:00
1
18:24:00
1
18:25:00
2
18:26:00
1
18:30:00
7
18:34:00
1
18:35:00
5
18:39:00
1
18:40:00
7
18:42:00
4
18:43:00
1
18:44:00
1
18:45:00
3
18:48:00
2
18:50:00
4
18:54:00
1
18:55:00
1
19:00:00
4
19:05:00
4
19:07:00
1
19:10:00
2
19:12:00
2
19:15:00
4
19:16:00
1
19:17:00
1
19:20:00
1
19:22:00
2
19:25:00
2
19:26:00
2
19:29:00
1
19:30:00
3
19:33:00
2
19:35:00
1
19:38:00
1
19:40:00
5
19:45:00
2
19:50:00
3
19:52:00
1
19:55:00
2
19:58:00
1
20:00:00
2
20:10:00
1
20:12:00
1
20:20:00
1
20:24:00
1
20:30:00
1
20:35:00
1
20:40:00
2
20:50:00
1
20:55:00
1
21:00:00
1
21:12:00
2
21:35:00
1
21:37:00
1
21:39:00
1
21:55:00
1
22:25:00
1
22:33:00
1