Surveys

General information about the survey:

Survey of “Households' financial behavior and intentions”

Respondent

1. E-mail address

2. Date of birth (day/month/year)

3. Gender

Male
Female

4. Please indicate the city/region you live in.

5. Education

Higher
Secondary specialization/technical profession
Secondary
Primary (up to 4th grade)

6. Occupation

Employee (with an employment contract)
Employee (without an employment contract)
Self-employed (individual entrepreneur, farmer, etc.)
Unemployed
Other (retired, benefit recipient, etc.)

7. Please indicate your family (household) income.

Up to 450 manats
From 450 manats to 1000 manats
From 1000 manats to 1500 manats
Over than 1500 manats

Questions

1. How has the financial situation of your household changed over the last 12 months? It has...

Got a lot better
Got a little better
Stayed the same
Got a little worse
Got a lot worse
Don't know

2. How do you expect the financial position of your household to change over the next 12 months? It will...

Get a lot better
Get a little better
Stay the same
Get a little worse
Get a lot worse
Don't know

3. How do you think the general economic situation in the country has changed over the past 12 months? It has...

Got a lot better
Got a little better
Stayed the same
Got a little worse
Got a lot worse
Don't know

4. How do you expect the general economic situation in this country to develop over the next 12 months? It will...

Get a lot better
Get a little better
Stay the same
Get a little worse
Get a lot worse
Don't know

5. How do you think that consumer prices have developed over the last 12 months? They have…

Risen a lot
Risen moderately
Risen slightly
Stayed about the same
Fallen
Don't know

6. By comparison with the past 12 months, how do you expect that consumer prices will develop in the next 12 months? They will…

Increase more rapidly
Increase at the same rate
Increase at a slower rate
Stay about the same
Fall
Don't know

7. By how many per cent do you expect consumer prices to go up/down change in the next 12 months? (Please indicate numerically as “will increase by ____%” or “will decrease by ____%.”)

8. How do you expect the number of people unemployed in this country to change over the next 12 months? The number will...

Increase sharply
Increase slightly
Remain the same
Fall slightly
Fall sharply
Don't know

9. In view of the general economic situation, do you think that now it is the right moment for people to make major purchases such as furniture, electrical/electronic devices, etc.?

Yes, it is the right moment now
It is neither the right moment nor the wrong moment
No, it is not the right moment now
Don't know

10. Compared to the past 12 months, do you expect to spend more or less money on major purchases (furniture, electrical/electronic devices, etc.) over the next 12 months? I will spend…

Much more
A little more
About the same
A little less
Much less
Don't know

11. In view of the general economic situation, do you think that now is...?

A very good moment to save
A fairly good moment to save
Not a good moment to save
A very bad moment to save
Don't know

12. Over the next 12 months, how likely is it that you save any money?

Very likely
Fairly likely
Not likely
Not at all likely
Don't know

13. How do you prefer to keep your money? (You can choose more than one option.)

In cash
By purchasing expensive items (gold or other jewelry)
By depositing in a bank
In the form of cash in the bank safe
By saving to card
In alternative financial instruments (securities, cryptocurrency, etc.)
In foreign currency

14. How likely are you to buy a car over the next 12 months?

Very likely
Fairly likely
Not likely
Not at all likely
Don’t know

15. Are you planning to buy or build a home over the next 12 months (to live in yourself, for a member of your family, as a holiday home, to let etc.)?

Yes, definitely
Possibly
Probably not
No
Don’t know

16. How likely are you to spend any large sums of money on home improvements or renovations over the next 12 months?

Very likely
Fairly likely
Not likely
Not at all likely
Don’t know

17. Which of these statements best describes the current financial situation of your household?

We are saving a lot
We are saving a little
We are just managing to make ends meet on our income
We are having to draw on our savings
We are running into debt
Don't know

18. Does your family (household) currently have debt? If so, please indicate the source of the debt. (You can choose more than one option.)

Debts (loans) from credit organizations, including banks
Loans from commercial facilities or chain stores
Loans from pawnshops
Advances from workplace
Debts received from individuals on the basis of documents
Borrowings from acquaintances (relatives)
We have no debt

19. What percentage of your total family budget is debt (loan) payments (if paid at all)?

20. Please indicate the purpose of the debt (loan). (You can choose more than one option.)

Buying a house, apartment or other residential property
Buying a car
Payment of tuition fees
Consumer credit in stores (home appliances, telephone, TV, etc.)
Paying for necessary expenses (health, wedding, repairs, daily expenses, urgent purchases, etc.)
Payment of other debt
Establishing a private business (without establishing a legal entity)
Other (please explain)

Explanation

21. How do payments on debt (loan) obligations affect your current consumption?

It does not affect our current consumption
Our income covers our expenses (by paying off debt obligations)
It affects our current consumption
It affects our current consumption seriously

22. Will you apply for a loan if you need money?

I will not apply for a loan under any circumstances
I will apply if I don't find money anywhere
I will consider the loan as well as other sources of borrowing
I will apply for a loan without hesitation

23. Has there been a change in the ability to pay off loan (debt) obligations in the last 12 months?

It has become easier
It hasn't changed
It has become more difficult

24. Is it possible to default on loan (debt) obligations?

It is unlikely
The probability is small
The probability is high

25. Has there been a shortage of funds to pay off loan (debt) obligations in the last 12 months?

No, there hasn't been
Once or twice
Three to five times
Six times or more

26. What expenses have you given up in the last 12 months to pay off debt? (You can choose more than one option.)

Daily necessities
Clothing
Medical services and medicines
Home appliances, electronics, furniture
Entertainment (cafe, restaurant, cinema, theater, etc.)
Domestic or foreign vacation
Repair
Purchase of automobile, real estate
None
Other (please explain)

Explanation

27. How would you describe your income and expenses in the last 12 months?

Our income has exceeded our expenses
Our income has been almost equal to our expenses
Our income has been less than our expenses

28. If you lose your main source of income, do you have the savings to cover your needs for the next 12 months?

Yes
No