The survey took place between 2 and 5 October 2015 and was conducted throughout all of Russia in both urban and rural settings. The survey was carried out among 1600 people over the age of 18 in 134 localities of 46 of the country’s regions. The answer distribution is presented as percentages of the number of participants along with data from previous surveys. The statistical error of these studies does not exceed 3.4%.
HAVE YOU (OR YOUR FAMILY) TAKEN OUT MONETARY LOANS IN THE LAST TEN YEARS TO BUY GOODS OR SERVICES, OR OTHER NECESSITIES?
|
|
Oct. 15 |
|
Yes |
50 |
|
No |
49 |
|
I don’t know |
1 |
DO YOU OR ANY MEMBERS OF YOUR FAMILY CURRENTLY HAVE OUTSTANDING LOANS?
|
|
Nov. 01 |
Sept. 03 |
Sept. 05 |
Sept. 07 |
Dec. 08 |
June 09 |
Sept. 10 |
Oct. 13 |
Oct. 15 |
|
Yes |
25 |
25 |
27 |
31 |
28 |
27 |
26 |
32 |
34 |
|
No |
71 |
72 |
70 |
65 |
72 |
72 |
74 |
68 |
66 |
|
No answer |
4 |
2 |
3 |
4 |
<1 |
1 |
<1 |
<1 |
<1 |
IN THE LAST THREE MONTHS, HAVE YOU SEEN OR HEARD ADS OR ANNOUNCEMENTS FOR SMALL CASH LOANS THAT ARE QUICK AND DO NOT REQUIRE COMPLICATED PAPERWORK? (multiple answers given)
|
|
Oct. 15 |
|
Yes, I have seen or heard about them on the street (on announcement boards, fences, lampposts) |
48 |
|
Yes, I have seen or heard about it on public transit (by bus stops, in metro stations, on trains, in train stations) |
34 |
|
Yes, I have seen or heard about it at the store (groceries, consumer goods, etc.) |
25 |
|
Yes, I have seen or heard about it in the newspapers, on television, or on the radio |
24 |
|
Yes, I have seen or heard about it in shopping malls or stores |
22 |
|
Yes, I have seen or heard about it online or by SMS |
14 |
|
Yes, I have seen or heard about it from my acquaintances |
10 |
|
Yes, I have seen or heard about it at banks or currency exchanges |
7 |
|
Yes, I have seen or heard about it at clinics, hospital, or other medical institutions |
2 |
|
Yes, I have seen or heard about it in schools, universities, colleges, or other educational institutions |
1 |
|
Yes, I have seen or heard about it somewhere else |
1 |
|
No, I haven’t ever seen or heard about them |
14 |
|
It is difficult to say |
3 |
IN YOUR OPINION, IS IT CONCEIVABLE THAT YOU WOULD TAKE OUT CASH LOANS FROM SUCH SOURCES, AS THOSE IN THESE ADVERTISEMENTS?
|
|
Oct. 15 |
|
Not under any circumstances |
67 |
|
It is possible, but only in extreme cases |
24 |
|
It is possible, there is nothing particular about it |
3 |
|
It is difficult to say |
6 |
DO YOU PERSONALLY KNOW ANYONE WHO HAS TAKEN OUT LOANS FROM THE LENDERS WHO CIRCULATE THESE ADS? OR POSSIBLY YOU YOURSELF HAVE TAKEN OUT SUCH LOANS?
|
|
Oct. 15 |
|
Yes, I know such people or I have taken out such loans myself |
36 |
|
No, I don’t know any such people |
64 |
ARE YOU AWARE THAT ON OCTOBER 1, 2015, A NEW LAW TOOK EFFECT IN RUSSIA REGARDING BANKRUPTCY OF INDIVIDUALS?
|
|
Oct. 15 |
|
Yes, and I am familiar with its provisions |
11 |
|
Yes, but I only know the general outline |
25 |
|
I have heard something about it |
29 |
|
This is the first I have heard about |
36 |
IN YOUR OPINION, DOES THE LAW ON INDIVIDUAL BANKRUPTCY EASE OR COMPLICATE THE SITUATION FOR PEOPLE WHO ARE UNABLE TO PAY OFF THEIR LOANS, OR DOES IT DO NOTHING FOR THEIR SITUATION?
|
|
Oct. 15 |
|
Eases it |
32 |
|
Complicates it |
18 |
|
Does nothing |
24 |
|
It is difficult to say |
26 |
IN YOUR OPINION, WHAT IS THE PRIMARY REASON FOR THE LAW ON INDIVIDUAL BANKRUPTCY?
|
|
Oct. 15 |
|
In order to protect borrowers from creditors’ despotism |
34 |
|
In order to simplify debt collection for creditors |
22 |
|
In order to fairly distribute financial losses between creditors and borrowers |
21 |
|
It is difficult to say |
23 |
Distribution of answers depending on the presence or absence of outstanding loans of the respondents
|
|
All |
Respondents who have outstanding credit |
Respondents who do not have outstanding credit |
|
ARE YOU AWARE THAT ON OCTOBER 1, 2015, A NEW LAW TOOK EFFECT IN RUSSIA REGARDING BANKRUPTCY OF INDIVIDUALS? |
|||
|
Yes, and I am familiar with its provisions |
11 |
17 |
8 |
|
Yes, but I only know the general outlines |
25 |
28 |
23 |
|
I have heard something about it |
29 |
25 |
31 |
|
This is the first I have heard about |
36 |
31 |
38 |
|
IN YOUR OPINION, DOES THE LAW ON INDIVIDUAL BANKRUPTCY EASE OR COMPLICATE THE SITUATION FOR PEOPLE WHO ARE UNABLE TO PAY OFF THEIR LOANS, OR DOES IT DO NOTHING FOR THEIR SITUATION? |
|||
|
Eases it |
32 |
32 |
32 |
|
Complicates it |
18 |
23 |
16 |
|
Does nothing |
24 |
22 |
25 |
|
It is difficult to say |
26 |
23 |
28 |
|
IN YOUR OPINION, WHAT IS THE PRIMARY REASON FOR THE LAW ON INDIVIDUAL BANKRUPTCY? |
|||
|
In order to fairly distribute financial losses between creditors and borrowers |
21 |
23 |
21 |
|
In order to protect borrowers from creditors’ despotism |
34 |
38 |
32 |
|
In order to simplify debt collection for creditors |
22 |
21 |
23 |
|
It is difficult to say |
23 |
19 |
25 |
Translated by Middlebury Institute of International Studies at Monterey (formerly Monterey Institute of International Studies).