wales omnibus - reshare.ukdataservice.ac.ukreshare.ukdataservice.ac.uk/852437/2/b01510-2_june... ·...
TRANSCRIPT
.
Wales Omnibus
Prepared for: Young Foundation
Prepared by: Beaufort Research
High Cost Credit June 2015
Contact Details
Agency contact: Chris Timmins
Project: B01510-2
Date: July 2015 Beaufort Research
2 Museum Place Cardiff CF10 3BG
Tel: (029) 2037 8565 Fax: (029) 2037 0600
E-mail: [email protected]
www.beaufortresearch.co.uk Terms of Contract
Unless otherwise agreed, the findings of this study remain the copyright of Beaufort Research Ltd and may not be quoted, published or
reproduced without the company’s advance approval.
Approval to quote or publish will only be withheld on the grounds of inaccuracy or misrepresentation.
Any approved publication must detail: Beaufort Research Ltd as provider, sample size and field dates.
© Beaufort Research Ltd 2015
TECHNICAL NOTE ON SURVEY METHODOLOGY Sampling and Fieldwork Tabulations
The Omnibus sample is designed to be representative of the adult population resident in Wales aged 16 and over. The unit of sampling is Lower Layer Super Output Area (LSOA) and 69 interviewing points throughout the Wales are selected with probability proportional to resident population, after stratification by Local Authority and Social Grade. A fresh sample of interviewing locations is selected each wave. Within each sampling point, interlocking demographic quota controls of age and social class within sex are employed for the selection of respondents. Quotas are set to reflect the individual demographic profile of each selected point. A fresh sample of interviewing locations and individuals are selected for each survey and no more than one person per household is interviewed. Interviews are conducted face to face in the homes of respondents utilising CAPI (Computer Aided Personal Interviewing) technology. Beaufort’s experienced fieldworkers are used with postal and telephone back-checking in accordance with ISO 20252. The majority of fieldwork for the June 2015 survey took place between 8 and 21 June 2015, with the remainder conducted the following week. A total of 1,018 interviews were completed and analysed.
The data has been weighted by age group within gender within Local Authority grouping to give each cell (42) its correct incidence within the Wales total derived from the results of the 2011 Census. Tables are presented in the form of numbers and integer percentages with the unweighted and weighted sample base shown at the top of each column. Where the base is anything other than the total sample this is indicated underneath the table heading and follows logically from the question sequence and routing. Arithmetic rounding to whole numbers means that columns of percentages do not necessarily sum to exactly 100%. Where more than one answer can be given to a question the sum of percentages may exceed 100%. 0 denotes a weighted sample of less than 0.5 and 0% denotes a percentage of less than 0.5%. Where column bases are less than about 50, percentages need to be interpreted with care. A standard analysis of questions asked is provided as an integral part of the service involving demographic information collected as a matter of course towards the end of the interview. This breaks response down by classification variables (breakdowns) as shown overleaf.
CLASSIFICATION – PAGE 1
Name Description (as necessary) Region North Those living in Wrexham, Flintshire, Denbighshire, Conwy, Anglesey, Gwynedd Mid and South West Wales Those living in Powys, Ceredigion, Carmarthenshire, Pembrokeshire, Swansea, Neath & Port Talbot, Bridgend South East Wales & Valleys Those living in, Cardiff, Vale of Glamorgan, Rhondda Cynon Taff, Merthyr, Torfaen, Monmouthshire, Newport,
Caerphilly, Blaenau Gwent Gender Male Female Age of respondent 1 16-24 25-34 35-44 45-54 55-64 65-74 75+ Age of respondent 2 16-34 35-54 55+ Social grade 1 AB Those who live in households where the chief income earner is social grade A or B C1 Those who live in households where the chief income earner is social grade C1 C2 Those who live in households where the chief income earner is social grade C2 DE Those who live in households where the chief income earner is social grade D or E Social grade 2 ABC1 Those who live in households where the chief income earner is social grade A or B or C1 C2DE Those who live in households where the chief income earner is social grade C2 or D or E
CLASSIFICATION – PAGE 2 Name Description (as necessary) High cost credit user Any high cost credit user Those who have taken out a Pay day loan company or Home credit / doorstep loan or Hire purchase / buying
goods on finance or used Pawnbrokers or Guarantor loan or Logbook loan or Unofficial local lender in the last 12 months
High cost credit user of interest Those who have taken out a Pay day loan company or Home credit / doorstep loan or Hire purchase / buying goods on finance in the last 12 months
No high cost credit Those who have NOT taken out a Pay day loan company or Home credit / doorstep loan or Hire purchase / buying goods on finance or used Pawnbrokers or Guarantor loan or Logbook loan or Unofficial local lender in the last 12 months
Financial Literacy (Q60a/b) Q60a only correct Those who correctly stated that answer to Q60a = £110, but did not know the correct answer to Q60b Q60b only correct Those who correctly stated that answer to Q60b = £121, but did not know the correct answer to Q60a Q60a & b both correct Those who correctly stated that answer to both Q60a = £110 AND Q60b = £121 Neither correct Those who did not know the correct answer to either Q60a or Q60b
CLASSIFICATION – PAGE 3
Name Description (as necessary) Working status Full time Those working 30 hours or more per week Part time Those working less than 30 hours per week Unemployed – seeking Those who are unemployed but looking for work Full time student Those who are in full time education Other permanently not working Those who are none of the above categories but not looking for work – e.g. retired, looking after family Limiting long term illness / disability Yes Those who report they have a long term illness, health problem or disability that limits their daily activities or the
work that they do No Those who report they DO NOT have a long term illness, health problem or disability that limits their daily activities
or the work that they do
Ethnicity White Non-white Tenure Owned with or without mortgage Rented from Council or Housing Association Rented privately Other Children aged under 16 in household Yes Those living in households where at least one child 15 or under is present No Those living in households where there are NO children 15 or under are present
Page | 1
B01510-2 Wales Omnibus – June 2015 Young Foundation – High Cost Credit Survey – Wales Omnibus Questions FINAL
ASK ALL
Q1. Which of the following do you personally have? READ OUT
Yes No Don’t know Refused a) A bank or building society account in your own name or joint names 1 2 3 4
b) A post office card account 1 2 3 4 c) A credit union account 1 2 3 4 d) A credit card 1 2 3 4 e) Cash savings account 1 2 3 4 f) Any other savings account (e.g. an ISA) 1 2 3 4
ASK ALL
Q2. To what extent do you agree or disagree with the following statements? Please exclude mortgages when considering your responses. READ OUT [RANDOMISE ORDER]
a) There is no excuse for borrowing money
b) Borrowing money from doorstep lenders (e.g. The Provident) is common in my community
c) I would rather be in debt than change my lifestyle
d) You should always save up first before buying something
e) I know many people who have used payday loans
f) Debt is a normal part of today’s lifestyle
g) It is okay to be in debt if you can pay it off
h) As far as I know, close family and friends rarely borrow money or get into debt, excluding
mortgages
Scale: 1. Strongly agree 2. Tend to agree 3. Neither agree nor disagree 4. Tend to disagree 5. Strongly disagree
Page | 2
ASK ALL
SHOWCARD Q3. Which one of these statements best describes how well you are keeping up with your bills and credit commitments at the moment, including those you have personally or jointly with your partner/spouse. Please tell me the letter next to the statement that best describes your situation. SINGLE CODE
A. I am keeping up with all bills and commitments without any difficulties B. I am keeping up with all bills and commitments, but it is a struggle from time to time C. I am keeping up with all bills and commitments, but it is a constant struggle D. I am falling behind with some bills or credit commitments E. I am having real financial problems and have fallen behind with many bills or credit
commitments
F. Don’t know [NOT ON SHOWCARD] G. Prefer not to say [NOT ON SHOWCARD]
ASK ALL
Q4. And in the last five years have you asked for professional advice or used the services of any organisation which provides advice and support for people having problems with debt/ paying their bills?
1. Yes 2. No
3. Don’t know [AS BUTTON - SPONTANEOUS RESPONSES ONLY] 4. Refused [AS BUTTON]
ASK ALL
SHOWCARD Q5. How easy would you find it to raise £200-£300 in an emergency without borrowing? SINGLE CODE.
A. Impossible B. Difficult C. Easy
D. Don’t know E. Refused
Page | 3
ASK ALL
SHOWCARD Q6a. Can you please tell me whether or not you have used any of the following types of credit in the last 12 months? Please just tell me the letter by the item. Which others? CODE ALL MENTIONED
A. Authorised/arranged overdraft facility B. Unauthorised overdraft facility C. Bank or building society loan D. Credit Union loan E. Credit card (not repaid immediately) F. Store card (not repaid immediately) G. Loan from a family member H. Loan from a friend or other acquaintance I. Pay day loan company (e.g. Wonga, QuickQuid) J. Guarantor loan (e.g. Amigo loan)
K. None of the above L. Refused
ASK ALL
SHOWCARD Q6b. And which of the following types of credit have you used in the last 12 months? Please just tell me the letter by the item. Which others? CODE ALL MENTIONED
M. Home Credit / Doorstep Loan (a company that collects payments from your home e.g. Provident)
N. Pawnbrokers (somewhere where you borrow money and leave goods e.g. Cash Convertors, Money Shop)
O. Log Book Loan (where you borrow money against the value of your vehicle) P. Mail Order catalogue / club book Q. Hire purchase/ buying goods on finance (e.g. BrightHouse, Pay-as-you-view) R. Other retail credit – e.g. via a retailer to buy furniture, sofas, mobile phones etc. (e.g. DFS,
Carphone Warehouse etc.) S. Local lender (unofficial)/or unlicensed lender (‘loan shark’) on which you had to pay interest T. DWP crisis loan or Social Fund loan/loan from ‘the Social’ U. Interest-free loan from Council or Job Centre V. Any other source of credit/ loan (please specify)
W. None of these X. Refused
Page | 4
ASK IF Q6a = H [loan from a friend or acquaintance]
Q7. You mentioned that you have borrowed money from a friend or other acquaintance. Does that person also lend to others?
1. Yes 2. No
3. Don’t know 4. Refused
ASK IF Q6a = H [loan from a friend or acquaintance]
SHOWCARD Q8. And did they charge you interest?
1. Yes – I paid back what I owed plus more 2. Yes – I paid back what I owed plus a gift (e.g. bought them a pint) 3. No – I paid back what I owed and nothing else
4. Don’t know 5. Refused
ASK IF Q6a/b = ‘D’, ‘I’, ‘M’, OR ‘Q’ [Credit Union, pay day loan, home credit / doorstep loan, or hire purchase/finance]
Q9. You said you had taken out the credit with the following:
[SCRIPT TO RECALL OPTIONS ‘D’, ‘I’, ‘M’, OR ‘Q’ IF SELECTED AT Q6a/b]
Which of these do you currently still have credit with? CODE ALL MENTIONED [LIST TO ONLY SHOW OPTIONS SELCECTED AT Q6a/b]
D. Credit Union loan I. Pay day loan company M. Home Credit / Doorstep Loan Q. Hire purchase/ buying goods on finance X. None of these Y. Don’t know Z. Refused
Page | 5
ASK ALL
READ OUT: The next section is more like a quiz. The questions are not designed to catch you out so if you think you have the right answers, you probably do. If you don’t know the answer, please just say so.
ASK ALL
SHOWCARD [text below]
• A loan of £100. • An interest rate of 10% per month. • No other fees.
Q10. You have taken out a loan for £100, and the interest rate you are charged is 10 per cent per month. There are no other fees. At this interest rate, how much money would you owe in total after one month?
INTERVIEWER: IF RESPONDENT GIVES ANSWER LESS THAN £100, ASK: “Is that in total, including the original loan amount (£100) and interest charged (10%)?” IF ANSWER IS STILL LESS THAN £100, CODE GIVEN AMOUNT.
INTERVIEWER: PLEASE ENTER RESPONSE IN POUNDS
[SCRIPTER: NUMERIC RESPONSE. RANGE = 0-9999]
pounds Don’t know Refused
ASK IF NUMERIC RESPONSE GIVEN AT Q10 (I.E. NOT DK OR REF)
Q11a. And if you didn’t pay anything off, at this compound interest rate, of 10 per cent, how much would you owe after two months – again assuming there were no additional fees?
INTERVIEWER: PLEASE ENTER RESPONSE IN POUNDS
[SCRIPTER: NUMERIC RESPONSE. RANGE = 0-9999]
pounds Don’t know Refused
Page | 6
ASK IF DON’T KNOW OR REFUSED AT Q11a
Q11b. Do you think it would it be… READ OUT
A. Less than £120 B. Exactly £120 C. Or more than £120? D. Don’t know E. Refused
Standard house questions to include:
A. Gender B. Age C. Region (LA) D. Working status E. Social grade F. Children in household G. Permission to re-contact
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:1Page:1
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q51i. Which of the following do you personally have? - A bank or building society account in your own name or joint namesBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
Yes
No
Don't know
Refused
1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587
1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579
91890%
21393%
---
31591%
---
39088%
---
44389%
--
47591%
--
12085%
--c----
14291%
-------
16293%
a---e--
14591%
-------
9884%
--c----
13592%
-------
11793%
-------
26388%
---
30692%
---
34990%
---
15095%---D
24790%----
17894%---d
33887%A-c-
39792%
--
51689%
--
747%
146%--c
123%--C
4911%aB-
418%
--
336%
--
1813%
-----Fg
127%
-------
116%
-------
138%
-------
1211%
-----f-
43%
A---e--
44%
a------
3010%
--c
247%---
215%a--
42%---D
187%---d
63%---D
4512%AbC-
225%-b
519%a-
30%
--
---
--
---
31%---
--
--
31%
--
11%
-------
11%
-------
--
-------
--
-------
--
-------
--
-------
11%
-------
21%---
--
---
10%---
--
----
10%----
11%----
10%----
10%
--
20%
--
232%
31%-b-
195%a-C
10%-B-
112%
--
122%
--
22%
-------
11%
-------
10%
----ef-
21%
-------
65%
--c----
75%
--c----
43%
-------
31%--c
21%--C
174%aB-
43%----
93%----
42%----
51%----
133%
--
92%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:2Page:2
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q51i. Which of the following do you personally have? - A bank or building society account in your own name or joint namesBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
Yes
No
Don't know
Refused
1018 71 64 947 508 8 244 258
1018 70 63 948 515 7 254 241
91890%
5985%
---
5487%
---
85991%
---
46189%--C-
568%--c-
24396%Ab-D
20987%--C-
747%
1015%
--c
813%
---
647%a--
316%
-b-D
232%a-C-
104%
-B-D
3113%A-C-
30%
--
---
--
---
30%---
31%----
--
----
--
----
--
----
232%
--
---
--
---
232%---
214%
--Cd
--
----
10%
A---
10%a---
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:3Page:3
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q51i. Which of the following do you personally have? - A bank or building society account in your own name or joint namesBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
Yes
No
Don't know
Refused
1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660
1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653
91890%
30494%
--CDe
14994%--cD-
6884%
Ab-d-
2465%
ABc-E
37289%a--D-
26188%
--
65691%
--
89390%
--
2493%
--
49293%---D
29089%---D
11590%---d
1165%ABc-
32891%
--
58890%
--
747%
155%
--CD-
64%
--CD-
1214%
AB-d-
1232%
ABc-E
307%
---D-
3010%
-b
446%a-
727%
--
27%
--
204%
-B-D
3410%A--D
108%---D
635%
ABC-
278%
--
467%
--
30%
--
-----
11%
-----
--
-----
--
-----
20%
-----
10%
--
20%
--
20%
--
--
--
20%----
10%----
--
----
--
----
21%
--
10%
--
232%
62%
-----
21%
-----
22%
-----
13%
-----
133%
-----
41%
--
183%
--
232%
--
--
--
183%-B--
--
A-c-
32%-b--
--
----
41%
--
193%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:4Page:4
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q51ii. Which of the following do you personally have? - A post office card accountBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
Yes
No
Don't know
Refused
1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587
1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579
13914%
2310%
--c
3711%
--C
7918%aB-
5711%
--
8216%
--
96%
---D--G
1811%
------g
2213%
-------
2617%
A------
1614%
-------
2014%
-------
2822%
Ab-----
279%-bC
4915%
a--
6416%A--
128%---D
3412%----
2212%----
7118%A---
4611%
-b
9316%
a-
84283%
20389%-Bc
27780%A--
36282%
a--
42385%
-b
42080%
a-
13192%
--cdEFG
13586%
------g
14483%
a------
13082%
a------
9280%
A------
11780%
A------
9374%
Ab-----
26689%-bC
27583%
a--
30278%A--
13686%----
23084%----
16286%----
30779%----
36785%
--
46981%
--
20%
--
---
10%---
10%---
--
--
20%
--
--
-------
--
-------
--
-------
--
-------
--
-------
--
-------
22%
-------
--
---
--
---
20%---
--
----
10%----
--
----
10%----
10%
--
10%
--
353%
31%-B-
319%A-C
10%-B-
153%
--
204%
--
22%
-------
42%
-------
64%
-------
22%
-------
86%
-------
96%
-------
43%
-------
62%---
93%---
205%---
106%----
104%----
53%----
113%----
194%
--
163%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:5Page:5
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q51ii. Which of the following do you personally have? - A post office card accountBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
Yes
No
Don't know
Refused
1018 71 64 947 508 8 244 258
1018 70 63 948 515 7 254 241
13914%
1217%
---
1016%
---
12713%
---
6513%----
112%----
2912%----
4418%----
84283%
5883%
---
5384%
---
78483%
---
41781%--c-
688%----
22488%a--d
19581%--c-
20%
--
---
--
---
20%---
10%----
--
----
--
----
10%----
353%
--
---
--
---
354%---
336%
--CD
--
----
--
A---
21%
A---
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:6Page:6
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q51ii. Which of the following do you personally have? - A post office card accountBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
Yes
No
Don't know
Refused
1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660
1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653
13914%
309%
----E
1711%----e
1417%-----
13%
----e
7718%
Ab-d-
6221%
-B
7711%
A-
13714%
--
28%
--
5510%-B--
6821%A-c-
1411%-b--
214%----
3510%
-B
10416%
A-
84283%
28688%----E
13485%-----
6580%-----
3594%----e
32277%
A--d-
22676%
-B
61585%
A-
81783%
--
2389%
--
45085%-b--
25579%a---
10784%----
1486%----
31788%
-B
52280%
A-
20%
--
-----
--
-----
--
-----
--
-----
20%
-----
21%
--
--
--
10%
--
--
--
20%----
--
----
--
----
--
----
--
--
20%
--
353%
82%
-----
74%
-----
23%
-----
13%
-----
174%
-----
72%
--
284%
--
343%
--
13%
--
255%-B--
20%
A-C-
65%-B--
--
----
103%
--
254%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:7Page:7
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q51iii. Which of the following do you personally have? - A credit union accountBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
Yes
No
Don't know
Refused
1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587
1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579
505%
104%---
185%---
225%---
184%
--
316%
--
22%
--c----
117%
------g
158%a----fG
117%
------g
76%
------g
32%
--c----
10%
-bCde--
134%---
268%--C
113%-B-
11%
-b-D
156%a---
84%----
267%
A---
164%
--
336%
--
92591%
21795%
-B-
29284%A-C
41694%
-B-
45792%
--
46889%
--
13595%
--c-e--
14190%
-------
15288%
a------
14591%
-------
9985%
a-----g
13492%
-------
11894%
----e--
27693%
---
29789%
---
35191%
---
14793%----
24589%----
17593%----
35190%----
39291%
--
52691%
--
51%
--
---
10%---
41%---
20%
--
31%
--
22%
-------
--
-------
--
-------
--
-------
11%
-------
--
-------
22%
-------
21%---
--
---
31%---
--
----
31%----
--
----
20%----
31%
--
20%
--
384%
31%-B-
3510%A-C
10%-B-
173%
--
214%
--
22%
----e--
53%
-------
64%
-------
22%
----e--
87%
a--d---
96%
-------
54%
-------
72%--c
93%---
226%a--
106%----
114%----
63%----
123%----
215%
--
173%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:8Page:8
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q51iii. Which of the following do you personally have? - A credit union accountBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
Yes
No
Don't know
Refused
1018 71 64 947 508 8 244 258
1018 70 63 948 515 7 254 241
505%
69%---
610%
---
445%---
326%--c-
17%----
73%a---
114%----
92591%
6390%
---
5790%
---
86291%
---
44687%--Cd
793%----
24797%A--d
22593%a-c-
51%
11%---
--
---
40%---
10%----
--
----
--
----
42%----
384%
--
---
--
---
384%---
367%
--CD
--
----
--
A---
21%
A---
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:9Page:9
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q51iii. Which of the following do you personally have? - A credit union accountBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
Yes
No
Don't know
Refused
1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660
1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653
505%
155%
-----
96%
-----
89%
-----
--
-----
184%
-----
186%
--
324%
--
465%-b
415%
a-
143%
-BC-
237%
A---
119%
A---
14%----
278%-B
223%A-
92591%
29892%-----
14189%-----
7188%-----
3697%-----
37891%-----
26891%
--
65591%
--
90191%
--
2182%
--
48691%----
29892%----
10986%----
1696%----
32489%
--
59892%
--
51%
21%
-----
--
-----
--
-----
--
-----
31%
-----
31%
--
20%
--
40%
--
--
--
41%----
10%----
--
----
--
----
--
--
51%
--
384%
93%
-----
85%
-----
23%
-----
13%
-----
184%
-----
72%
--
314%
--
374%
--
13%
--
285%-B--
20%
A-C-
76%-B--
--
----
113%
--
284%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:10Page:10
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q51iv. Which of the following do you personally have? - A credit cardBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
Yes
No
Don't know
Refused
1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587
1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579
40540%
8236%
---
14442%
---
17941%
---
21243%
--
19337%
--
1712%
-BCD-EFG
5233%
A--D-F-
7644%
A------
8352%
AB-----
4741%
A------
7753%
AB-----
5342%
A------
6923%-BC
15948%A--
17746%A--
8956%-bCD
12646%a--D
7842%A--D
11128%
ABC-
21550%
-B
18933%
A-
56756%
14362%
-B-
16247%A-C
26259%
-B-
26253%
--
30558%
--
12185%
-BCD-EFG
10064%
A-cDeF-
9052%
Ab---f-
7246%
AB-----
5951%
Ab-----
5840%
ABc----
6653%
A------
22174%-BC
16349%A--
18447%A--
6038%-bCD
13850%a--D
10254%A--D
26367%
ABC-
19746%
-B
36563%
A-
10%
--
---
10%---
--
---
--
--
10%
--
--
-------
--
-------
--
-------
--
-------
--
-------
--
-------
11%
-------
--
---
--
---
10%---
--
----
--
----
--
----
10%----
--
--
10%
--
454%
42%-B-
3911%A-C
10%-B-
214%
--
245%
--
32%
-------
53%
-------
74%
-------
32%
----e--
98%
---d---
117%
-------
65%
-------
83%--c
113%--c
267%ab-
106%----
114%----
84%----
154%----
215%
--
244%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:11Page:11
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q51iv. Which of the following do you personally have? - A credit cardBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
Yes
No
Don't know
Refused
1018 71 64 947 508 8 244 258
1018 70 63 948 515 7 254 241
40540%
2131%
---
1829%
---
38440%
---
17634%--C-
573%----
14557%A--D
7832%--C-
56756%
4869%
--c
4471%
--c
51955%ab-
29658%--Cd
227%----
10843%A--D
16066%a-C-
10%
--
---
--
---
10%---
--
----
--
----
--
----
10%----
454%
--
---
--
---
455%---
438%
--CD
--
----
--
A---
21%
A---
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:12Page:12
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q51iv. Which of the following do you personally have? - A credit cardBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
Yes
No
Don't know
Refused
1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660
1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653
40540%
15849%
--CDe
6239%
--CD-
1620%
AB--E
39%
AB--E
16640%
a-CD-
10234%
-b
30342%
a-
39540%
--
933%
--
27451%-BCD
8125%A---
4435%A---
215%A---
14941%
--
25639%
--
56756%
15548%
--CD-
8755%
--CD-
6276%
AB--E
3288%
AB--E
23055%
--CD-
18462%
-B
38253%
A-
55156%
--
1556%
--
22843%-BCD
23974%A-C-
7458%AB--
1485%A---
19955%
--
36556%
--
10%
--
-----
--
-----
--
-----
--
-----
10%
-----
10%
--
--
--
10%
--
--
--
10%----
--
----
--
----
--
----
--
--
10%
--
454%
114%
-----
96%
-----
34%
-----
13%
-----
205%
-----
93%
--
365%
--
424%
--
311%
--
296%-B--
41%
A-C-
97%-B--
--
----
134%
--
315%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:13Page:13
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q51v. Which of the following do you personally have? - Cash savings accountBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
Yes
No
Don't know
Refused
1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587
1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579
46045%
11952%
-B-
13539%A-c
20747%
-b-
22946%
--
23144%
--
4431%
--CD-FG
5837%---d-
FG
8046%
A------
7950%
Ab-----
4942%
-----f-
8357%
AB--e--
6854%
AB-----
10134%-BC
15848%A--
20152%A--
10667%-BCD
14653%A-cD
7841%Ab--
12933%AB--
25258%
-B
20636%
A-
50750%
10646%
---
16949%
---
23353%
---
24449%
--
26350%
--
9567%
--CDE-FG
9460%---d-
FG
8649%A----F-
7648%
Ab---f-
5850%
A----f-
5034%
ABCd-e--
5039%
AB-----
18963%-BC
16149%A-c
15740%Ab-
4026%-BCD
11642%A-cD
10254%Ab--
24463%AB--
15736%
-B
34560%
A-
40%
--
---
21%---
20%---
10%
--
31%
--
--
-------
--
-------
--
-------
11%
-------
--
-------
11%
-------
22%
-------
--
---
10%---
31%---
11%----
10%----
11%----
10%----
21%
--
20%
--
465%
42%-B-
4112%A-C
10%-B-
214%
--
265%
--
32%
-------
53%
-------
85%
-------
32%
----ef-
98%
---d---
128%
---d---
65%
-------
83%--c
113%---
277%a--
107%----
114%----
84%----
164%----
225%
--
254%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:14Page:14
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q51v. Which of the following do you personally have? - Cash savings accountBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
Yes
No
Don't know
Refused
1018 71 64 947 508 8 244 258
1018 70 63 948 515 7 254 241
46045%
2435%
---
2336%
---
43646%
---
23546%-bcD
793%a--D
13955%a--D
7933%
ABC-
50750%
4565%
--c
4064%
--c
46249%ab-
23345%---D
17%---D
11545%---D
15966%
ABC-
40%
--
---
--
---
40%---
31%----
--
----
--
----
10%----
465%
--
---
--
---
465%---
449%
--CD
--
----
--
A---
21%
A---
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:15Page:15
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q51v. Which of the following do you personally have? - Cash savings accountBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
Yes
No
Don't know
Refused
1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660
1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653
46045%
16852%
-bCD-
6541%a-C--
1720%
AB--E
1027%
A---e
20148%--Cd-
12341%
--
33747%
--
44545%
--
1453%
--
31058%-BCD
10633%A---
4132%A---
18%
A---
14841%
--
31047%
--
50750%
14545%
--CD-
8252%--C--
6176%
AB--E
2670%
A---E
19246%
--CD-
16054%
--
34648%
--
49750%
--
1037%
--
18936%-BCD
21466%A---
7660%A--d
1592%A-c-
19955%
-b
30847%
a-
40%
--
-----
11%
-----
--
-----
--
-----
31%
-----
31%
--
10%
--
30%
--
--
--
31%----
--
----
11%----
--
----
10%
--
30%
--
465%
114%
-----
106%
-----
34%
-----
13%
-----
215%
-----
103%
--
365%
--
444%
--
311%
--
306%-B--
52%
A-C-
97%-B--
--
----
144%
--
325%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:16Page:16
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q51vi. Which of the following do you personally have? - Any other savings account (e.g. an ISA)Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
Yes
No
Don't know
Refused
1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587
1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579
31631%
6428%
---
10129%
---
15034%
---
15832%
--
15830%
--
2115%
--cDEFG
3623%----
eFG
4526%a----FG
4830%A----Fg
4035%
Ab---f-
7249%
ABCD-e--
5342%
ABCd---
5719%-bC
9328%a-C
16543%AB-
8151%-BCD
9936%A--D
5428%A--d
8021%ABc-
17941%
-B
13423%
A-
65064%
16070%
-B-
20158%A-c
28965%
-b-
31664%
--
33464%
--
11782%
--CDE-FG
11574%----
EFG
11969%A---eFG
10767%A----FG
6556%ABc-
-f-
6243%
ABCD-e--
6551%
ABCD---
23278%-BC
22668%A-C
19250%AB-
6742%-BCD
16359%A--D
12566%A--d
29175%ABc-
23053%
-B
41672%
A-
40%
--
---
41%---
10%---
--
--
41%
--
--
-------
21%
-------
--
-------
--
-------
11%
-------
--
-------
21%
-------
21%---
--
---
31%---
--
----
31%----
10%----
10%----
31%
--
20%
--
485%
42%-B-
4112%A-C
21%-B-
214%
--
275%
--
43%
-------
42%
-----f-
95%
-------
43%
-------
98%
-------
128%
-b-----
65%
-------
83%--c
134%---
277%a--
107%----
104%----
95%----
174%----
215%
--
275%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:17Page:17
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q51vi. Which of the following do you personally have? - Any other savings account (e.g. an ISA)Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
Yes
No
Don't know
Refused
1018 71 64 947 508 8 244 258
1018 70 63 948 515 7 254 241
31631%
1217%
--c
1219%
--c
30432%ab-
13727%--C-
337%----
11646%A--D
6025%--C-
65064%
5883%
--C
5181%
--C
59363%AB-
33164%--cd
563%----
13854%a--D
17773%a-C-
40%
--
---
--
---
40%---
20%----
--
----
--
----
31%----
485%
--
---
--
---
485%---
469%
--CD
--
----
--
A---
21%
A---
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:18Page:18
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q51vi. Which of the following do you personally have? - Any other savings account (e.g. an ISA)Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
Yes
No
Don't know
Refused
1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660
1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653
31631%
10231%--C--
4428%--c--
1214%
Ab--E
617%----e
15337%--Cd-
8830%
--
22732%
--
30431%
--
1039%
--
23745%-BCd
4213%A-C-
3024%AB--
316%a---
8323%
-B
23236%
A-
65064%
20764%--C--
10466%--c--
6682%
Ab--E
2980%----e
24258%--Cd-
19666%
--
45363%
--
63564%
--
1350%
--
25949%-BCd
27785%A-C-
8869%AB--
1484%a---
26573%
-B
38258%
A-
40%
31%
-----
--
-----
--
-----
--
-----
20%
-----
21%
--
30%
--
40%
--
--
--
41%----
--
----
11%----
--
----
10%
--
41%
--
485%
134%
-----
106%
-----
34%
-----
13%
-----
215%
-----
103%
--
385%
--
455%
--
311%
--
326%-B--
52%
A-c-
86%-b--
--
----
123%
--
355%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:19Page:19
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q51. Summary: Which of the following do you personally have?Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
A bank or building societyaccount in your ow n name or
joint names
Cash savings account
A credit card
Any other savings account(e.g. an ISA)
A post off ice card account
A credit union account
1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587
1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579
91890%
21393%
---
31591%
---
39088%
---
44389%
--
47591%
--
12085%
--c----
14291%
-------
16293%
a---e--
14591%
-------
9884%
--c----
13592%
-------
11793%
-------
26388%
---
30692%
---
34990%
---
15095%---D
24790%----
17894%---d
33887%A-c-
39792%
--
51689%
--
46045%
11952%
-B-
13539%A-c
20747%
-b-
22946%
--
23144%
--
4431%
--CD-FG
5837%---d-
FG
8046%
A------
7950%
Ab-----
4942%
-----f-
8357%
AB--e--
6854%
AB-----
10134%-BC
15848%A--
20152%A--
10667%-BCD
14653%A-cD
7841%Ab--
12933%AB--
25258%
-B
20636%
A-
40540%
8236%
---
14442%
---
17941%
---
21243%
--
19337%
--
1712%
-BCD-EFG
5233%
A--D-F-
7644%
A------
8352%
AB-----
4741%
A------
7753%
AB-----
5342%
A------
6923%-BC
15948%A--
17746%A--
8956%-bCD
12646%a--D
7842%A--D
11128%
ABC-
21550%
-B
18933%
A-
31631%
6428%
---
10129%
---
15034%
---
15832%
--
15830%
--
2115%
--cDEFG
3623%----
eFG
4526%a----FG
4830%A----Fg
4035%
Ab---f-
7249%
ABCD-e--
5342%
ABCd---
5719%-bC
9328%a-C
16543%AB-
8151%-BCD
9936%A--D
5428%A--d
8021%ABc-
17941%
-B
13423%
A-
13914%
2310%
--c
3711%
--C
7918%aB-
5711%
--
8216%
--
96%
---D--G
1811%
------g
2213%
-------
2617%
A------
1614%
-------
2014%
-------
2822%
Ab-----
279%-bC
4915%
a--
6416%A--
128%---D
3412%----
2212%----
7118%A---
4611%
-b
9316%
a-
505%
104%---
185%---
225%---
184%
--
316%
--
22%
--c----
117%
------g
158%a----fG
117%
------g
76%
------g
32%
--c----
10%
-bCde--
134%---
268%--C
113%-B-
11%
-b-D
156%a---
84%----
267%
A---
164%
--
336%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:20Page:20
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q51. Summary: Which of the following do you personally have?Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
None of these
1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587
1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579
606%
94%---
237%---
286%---
347%
--
265%
--
1813%
-bCD-f-
74%
a------
74%
A------
43%
A------
108%
-------
75%
a------
75%
-------
258%-b-
113%a--
236%---
64%----
176%----
106%----
256%----
235%
--
366%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:21Page:21
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q51. Summary: Which of the following do you personally have?Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
A bank or building societyaccount in your ow n name or
joint names
Cash savings account
A credit card
Any other savings account(e.g. an ISA)
A post off ice card account
A credit union account
None of these
1018 71 64 947 508 8 244 258
1018 70 63 948 515 7 254 241
91890%
5985%
---
5487%
---
85991%
---
46189%--C-
568%--c-
24396%Ab-D
20987%--C-
46045%
2435%
---
2336%
---
43646%
---
23546%-bcD
793%a--D
13955%a--D
7933%
ABC-
40540%
2131%
---
1829%
---
38440%
---
17634%--C-
573%----
14557%A--D
7832%--C-
31631%
1217%
--c
1219%
--c
30432%ab-
13727%--C-
337%----
11646%A--D
6025%--C-
13914%
1217%
---
1016%
---
12713%
---
6513%----
112%----
2912%----
4418%----
505%
69%---
610%
---
445%---
326%--c-
17%----
73%a---
114%----
606%
46%---
24%---
566%---
398%--C-
--
----
63%
A---
146%----
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:22Page:22
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q51. Summary: Which of the following do you personally have?Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
A bank or building societyaccount in your ow n name or
joint names
Cash savings account
A credit card
Any other savings account(e.g. an ISA)
A post off ice card account
A credit union account
None of these
1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660
1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653
91890%
30494%
--CDe
14994%--cD-
6884%
Ab-d-
2465%
ABc-E
37289%a--D-
26188%
--
65691%
--
89390%
--
2493%
--
49293%---D
29089%---D
11590%---d
1165%ABc-
32891%
--
58890%
--
46045%
16852%
-bCD-
6541%a-C--
1720%
AB--E
1027%
A---e
20148%--Cd-
12341%
--
33747%
--
44545%
--
1453%
--
31058%-BCD
10633%A---
4132%A---
18%
A---
14841%
--
31047%
--
40540%
15849%
--CDe
6239%
--CD-
1620%
AB--E
39%
AB--E
16640%
a-CD-
10234%
-b
30342%
a-
39540%
--
933%
--
27451%-BCD
8125%A---
4435%A---
215%A---
14941%
--
25639%
--
31631%
10231%--C--
4428%--c--
1214%
Ab--E
617%----e
15337%--Cd-
8830%
--
22732%
--
30431%
--
1039%
--
23745%-BCd
4213%A-C-
3024%AB--
316%a---
8323%
-B
23236%
A-
13914%
309%
----E
1711%----e
1417%-----
13%
----e
7718%
Ab-d-
6221%
-B
7711%
A-
13714%
--
28%
--
5510%-B--
6821%A-c-
1411%-b--
214%----
3510%
-B
10416%
A-
505%
155%
-----
96%
-----
89%
-----
--
-----
184%
-----
186%
--
324%
--
465%-b
415%
a-
143%
-BC-
237%
A---
119%
A---
14%----
278%-B
223%A-
606%
124%
--cD-
75%
---D-
810%a--d-
1029%
ABc-E
225%
---D-
165%
--
446%
--
576%
--
15%
--
285%---D
144%---D
75%---D
427%
ABC-
216%
--
396%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:23Page:23
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52i. To what extent do you agree or disagree with the following statement? - There is no excuse for borrowing moneyBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
Strongly agree
Tend to agree
Neither agree nor disagree
Tend to disagree
Strongly disagree
Don't know
Refused
1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587
1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579
495%
94%---
195%---
215%---
194%
--
306%
--
43%
-----f-
43%
----ef-
21%----EFg
74%
-------
109%
-bC----
139%
abC----
97%
--c----
83%--C
93%--C
328%AB-
43%----
114%----
116%----
215%----
164%
--
336%
--
13013%
198%-b-
5315%
a--
5813%
---
6313%
--
6613%
--
2014%
-------
149%
------g
1810%
------g
1812%
-------
1513%
-------
2014%
-------
2419%
-bc----
3411%
---
3611%
---
5915%
---
149%---d
269%---d
2513%----
6316%ab--
409%-B
8715%
A-
18718%
4620%
---
5516%
---
8620%
---
8918%
--
9919%
--
3827%
--C----
3019%
-------
2213%
A------
2817%
-------
2118%
-------
2417%
-------
2520%
-------
6723%
-b-
5015%
a--
7018%
---
2315%----
5018%----
3720%----
7820%----
7317%
--
11520%
--
45845%
10646%
-b-
12636%a-C
22651%
-B-
23648%
--
22242%
--
4733%
-BCd-f-
8152%
A-----g
9152%
A-----g
7447%
a------
5144%
-------
6746%
a------
4737%
-bc----
12943%
---
16550%
---
16543%
---
9359%--CD
13850%--cD
7439%Ab--
15339%AB--
23053%
-B
22739%
A-
15715%
4319%
--C
7221%
--C
4210%AB-
7014%
--
8717%
--
2820%
------g
2114%
-------
3922%
-----fG
2616%
-------
1513%
-------
1611%
--c----
1210%
a-C----
4917%
---
6519%
--C
4311%
-B-
2114%----
4014%----
3317%----
6116%----
6114%
--
9416%
--
333%
52%-b-
216%a-C
82%-B-
173%
--
173%
--
54%
-------
53%
-------
21%
-------
64%
-------
33%
-------
53%
-------
65%
-------
114%---
83%---
144%---
21%----
103%----
95%----
123%----
123%
--
224%
--
30%
10%---
10%---
10%---
10%
--
20%
--
--
-------
--
-------
--
-------
--
-------
--
-------
--
-------
32%
-------
--
---
--
---
31%---
--
----
10%----
--
----
20%----
10%
--
20%
--
--
--
---
--
---
--
---
--
--
--
--
--
-------
--
-------
--
-------
--
-------
--
-------
--
-------
--
-------
--
---
--
---
--
---
--
----
--
----
--
----
--
----
--
--
--
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:24Page:24
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52i. To what extent do you agree or disagree with the following statement? - There is no excuse for borrowing moneyBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
AGREE
DISAGREE
1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587
1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579
17918%
2812%
-b-
7221%
a--
7918%
---
8217%
--
9618%
--
2417%
-------
1812%----efG
2011%----
eFG
2516%
-------
2522%
-bc----
3323%
-bC----
3326%
-BC----
4214%
--C
4514%
--C
9124%AB-
1912%---d
3714%---d
3619%----
8422%ab--
5613%
-B
12021%
A-
61660%
14965%
---
19857%
---
26961%
---
30662%
--
31059%
--
7553%
-bC----
10366%
a-----G
13075%
A--dEFG
10063%
--c---g
6657%
--C----
8357%
--C----
5947%
-BCd---
17860%
-b-
22969%a-C
20954%
-B-
11472%--CD
17765%---d
10756%A---
21455%Ab--
29167%
-B
32155%
A-
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:25Page:25
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52i. To what extent do you agree or disagree with the following statement? - There is no excuse for borrowing moneyBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
Strongly agree
Tend to agree
Neither agree nor disagree
Tend to disagree
Strongly disagree
Don't know
Refused
AGREE
1018 71 64 947 508 8 244 258
1018 70 63 948 515 7 254 241
495%
34%---
34%---
475%---
235%---d
--
----
52%---D
218%
a-C-
13013%
58%---
34%---
12413%
---
7715%--C-
17%----
166%
A--D
3615%--C-
18718%
1318%
---
1015%
---
17518%
---
10019%--c-
225%----
3313%a--d
5222%--c-
45845%
3550%
---
3353%
---
42445%
---
23045%--c-
567%----
13553%a--D
8937%--C-
15715%
1319%
---
1321%
---
14415%
---
7314%--c-
--
----
5120%a---
3314%----
333%
22%---
23%---
323%---
122%----
--
----
135%----
83%----
30%
--
---
--
---
30%---
--
----
--
----
--
----
31%----
--
--
---
--
---
--
---
--
----
--
----
--
----
--
----
17918%
811%
---
59%---
17118%
---
10019%--C-
17%----
218%
A--D
5723%--C-
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:26Page:26
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52i. To what extent do you agree or disagree with the following statement? - There is no excuse for borrowing moneyBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
DISAGREE
1018 71 64 947 508 8 244 258
1018 70 63 948 515 7 254 241
61660%
4868%
---
4674%
--c
56860%
-b-
30359%--Cd
567%----
18673%A--D
12251%a-C-
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:27Page:27
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52i. To what extent do you agree or disagree with the following statement? - There is no excuse for borrowing moneyBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
Strongly agree
Tend to agree
Neither agree nor disagree
Tend to disagree
Strongly disagree
Don't know
Refused
AGREE
1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660
1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653
495%
83%
----e
85%
-----
45%
-----
25%
-----
276%
a----
186%
--
304%
--
495%
--
--
--
275%----
196%----
21%----
--
----
92%-b
406%a-
13013%
268%
---DE
138%
---De
810%---d-
1029%
ABc--
7217%
Ab---
4716%
--
8312%
--
12713%
--
28%
--
6312%----
4113%----
1613%----
318%----
3810%
--
9114%
--
18718%
5818%-----
3522%-----
1215%-----
514%-----
7718%-----
6020%
--
12818%
--
18218%
--
415%
--
8817%----
7222%----
1915%----
533%----
6318%
--
12419%
--
45845%
16751%
-b-de
6340%a----
3948%-----
1232%a----
17843%a----
13144%
--
32745%
--
43844%
-B
1973%
A-
25949%-B--
12438%A-c-
6350%-b--
850%----
16145%
--
29445%
--
15715%
5818%----E
3120%----E
1519%-----
720%-----
4411%
AB---
3311%
-b
12517%
a-
15716%
--
13%
--
7815%----
5216%----
2419%----
--
----
7721%
-B
8012%
A-
333%
82%
-----
74%
-----
23%
-----
--
-----
174%
-----
72%
--
274%
--
323%
--
--
--
153%----
155%----
33%----
--
----
134%
--
203%
--
30%
--
-----
--
-----
--
-----
--
-----
31%
-----
21%
--
10%
--
30%
--
--
--
20%----
10%----
--
----
--
----
--
--
30%
--
--
--
-----
--
-----
--
-----
--
-----
--
-----
--
--
--
--
--
--
--
--
--
----
--
----
--
----
--
----
--
--
--
--
17918%
3411%---DE
2113%---De
1215%---d-
1234%
ABc--
9824%
Ab---
6422%
-b
11316%
a-
17718%
--
28%
--
9017%----
6119%----
1814%----
318%----
4713%
-B
13120%
A-
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:28Page:28
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52i. To what extent do you agree or disagree with the following statement? - There is no excuse for borrowing moneyBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
DISAGREE
1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660
1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653
61660%
22469%----E
9560%-----
5467%----e
1952%-----
22253%
A-c--
16455%
-b
45263%
a-
59560%
--
2077%
--
33663%-b--
17654%a-C-
8768%-B--
850%----
23866%
-B
37557%
A-
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:29Page:29
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52ii. To what extent do you agree or disagree with the following statement? - Borrowing money from doorstep lenders (e.g. The Provident) is common in my communityBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
Strongly agree
Tend to agree
Neither agree nor disagree
Tend to disagree
Strongly disagree
Don't know
Refused
1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587
1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579
12412%
4921%-BC
288%A--
4811%A--
4910%
-b
7614%
a-
1511%
-------
2315%
-----fg
2917%-----FG
2415%
-----fG
1715%
-----fg
96%
-bCde--
65%
-bCD-e--
3913%
---
5416%
--C
328%-B-
85%---D
176%---D
2212%---d
7619%ABc-
256%-B
9817%
A-
20120%
3415%
--C
5917%
--c
10724%Ab-
9720%
--
10420%
--
2417%
-------
4126%-----FG
3721%
-------
3824%
-----fg
2622%
-------
1913%
-B-d---
1613%
-B-d---
6522%
---
7523%
--c
6116%
-b-
2113%---D
4215%---D
3619%----
10126%AB--
6315%
-B
13824%
A-
15315%
2812%
---
5315%
---
7216%
---
7816%
--
7514%
--
1812%
-------
2315%
-------
3118%
-------
2415%
-------
1513%
-------
2517%
-------
1613%
-------
4114%
---
5517%
---
5715%
---
2214%----
4316%----
2815%----
6116%----
6515%
--
8915%
--
16917%
3716%
---
4112%
--C
9120%
-B-
8417%
--
8516%
--
2719%
-------
2919%
-------
2715%
-------
2214%
-------
1916%
-------
2114%
-------
2419%
-------
5619%
---
4915%
---
6416%
---
3925%---D
5821%---D
3117%---d
3710%ABc-
9823%
-B
6912%
A-
20921%
4319%
-b-
9126%a-C
7517%
-B-
10321%
--
10620%
--
2920%
-b-----
149%a-
cDEFG
3420%
-b-----
3320%
-B-----
2824%
-B-----
3826%
-B-----
3225%
-B-----
4315%
--C
6720%
---
9825%A--
4730%---D
6122%---d
4323%---d
5715%Abc-
10725%
-B
10017%
A-
15916%
3716%
---
7321%
--C
4811%
-B-
8417%
--
7414%
--
2820%
--Cde--
2516%
-------
159%
A----FG
1811%
a----fg
119%a----FG
3322%
--CdE--
2923%
--CdE--
5318%
-B-
3310%A-C
7319%
-B-
2113%----
5219%----
2815%----
5614%----
7317%
--
8414%
--
40%
10%---
20%---
10%---
10%
--
30%
--
11%
-------
--
-------
--
-------
--
-------
--
-------
--
-------
32%
-------
10%---
--
---
31%---
--
----
21%----
--
----
20%----
20%
--
20%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:30Page:30
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52ii. To what extent do you agree or disagree with the following statement? - Borrowing money from doorstep lenders (e.g. The Provident) is common in my communityBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
AGREE
DISAGREE
1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587
1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579
--
--
---
--
---
--
---
--
--
--
--
--
-------
--
-------
--
-------
--
-------
--
-------
--
-------
--
-------
--
---
--
---
--
---
--
----
--
----
--
----
--
----
--
--
--
--
32532%
8336%
-B-
8625%A-C
15635%
-B-
14529%
--
17934%
--
3928%
-b-d---
6441%a----FG
6638%-----FG
6339%a----FG
4237%-----FG
2819%
-BCD-E--
2217%
-BCD-E--
10435%
--C
12839%
--C
9324%AB-
3019%--cD
5921%--cD
5931%ab-D
17745%
ABC-
8820%
-B
23541%
A-
37837%
8035%
---
13238%
---
16537%
---
18638%
--
19137%
--
5639%
-------
4428%----efG
6135%
-------
5434%
-------
4741%
-b-----
5941%
-b-----
5644%
-B-----
10033%
--c
11635%
---
16242%
a--
8654%-bCD
11943%a--D
7539%A--D
9524%
ABC-
20547%
-B
16929%
A-
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:31Page:31
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52ii. To what extent do you agree or disagree with the following statement? - Borrowing money from doorstep lenders (e.g. The Provident) is common in my communityBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
Strongly agree
Tend to agree
Neither agree nor disagree
Tend to disagree
Strongly disagree
Don't know
Refused
AGREE
1018 71 64 947 508 8 244 258
1018 70 63 948 515 7 254 241
12412%
2738%
--C
2641%
--C
9810%AB-
7114%--C-
--
----
177%
A--D
3615%--C-
20120%
2028%
---
1930%
--c
18119%
-b-
11422%----
--
----
4417%----
4217%----
15315%
58%---
35%--c
14816%
-b-
7715%----
113%----
4116%----
3514%----
16917%
912%
---
710%
---
16017%
---
7615%-B--
687%
A-CD
5120%-B--
3615%-B--
20921%
45%--C
46%--C
20522%AB-
9819%--c-
--
----
6726%a--d
4418%--c-
15916%
69%---
58%---
15316%
---
7915%----
--
----
3414%----
4619%----
40%
--
---
--
---
40%---
10%----
--
----
--
----
31%----
--
--
---
--
---
--
---
--
----
--
----
--
----
--
----
32532%
4666%
--C
4571%
--C
27929%AB-
18636%--C-
--
----
6124%A---
7832%----
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:32Page:32
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52ii. To what extent do you agree or disagree with the following statement? - Borrowing money from doorstep lenders (e.g. The Provident) is common in my communityBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
DISAGREE
1018 71 64 947 508 8 244 258
1018 70 63 948 515 7 254 241
37837%
1217%
--C
1016%
--C
36539%AB-
17434%-BC-
687%A--D
11746%A--D
8033%-BC-
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:33Page:33
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52ii. To what extent do you agree or disagree with the following statement? - Borrowing money from doorstep lenders (e.g. The Provident) is common in my communityBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
Strongly agree
Tend to agree
Neither agree nor disagree
Tend to disagree
Strongly disagree
Don't know
Refused
AGREE
1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660
1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653
12412%
289%
--C--
2113%--c--
2126%
Ab-DE
12%
--C--
5313%--C--
4515%
--
7911%
--
12413%
--
--
--
214%
-BC-
7724%A---
2520%A---
17%----
6518%
-B
599%A-
20120%
7423%-b---
2013%a-c--
2126%-b---
925%-----
7618%-----
5619%
--
14520%
--
19620%
--
414%
--
8817%-bc-
7423%a---
3225%a---
530%----
7822%
--
12119%
--
15315%
6019%--c--
2214%-----
56%
a----
412%-----
6115%-----
4716%
--
10615%
--
14915%
--
413%
--
7614%----
4614%----
2520%----
423%----
4312%
-b
11017%
a-
16917%
5918%-----
2415%---d-
1620%-----
1232%-b--E
5714%---D-
3813%
--
13018%
--
15916%
-B
1039%
A-
11522%-Bc-
3410%A---
1613%a---
214%----
5014%
--
11818%
--
20921%
6420%-----
3824%--c--
911%-b--e
617%-----
9222%--c--
5920%
--
15021%
--
20421%
--
520%
--
14127%-BCd
4815%A---
1713%A---
--
a---
7621%
--
13120%
--
15916%
3712%-b--e
3120%a----
911%-----
412%-----
7518%a----
5017%
--
10815%
--
15416%
--
414%
--
8817%----
4614%----
1310%----
426%----
4813%
--
11017%
--
40%
10%
-----
--
-----
--
-----
--
-----
31%
-----
21%
--
20%
--
40%
--
--
--
30%----
10%----
--
----
--
----
10%
--
30%
--
--
--
-----
--
-----
--
-----
--
-----
--
-----
--
--
--
--
--
--
--
--
--
----
--
----
--
----
--
----
--
--
--
--
32532%
10232%--C--
4226%--C--
4252%
AB-dE
1027%--c--
12931%--C--
10134%
--
22431%
--
32032%
--
414%
--
10920%-BC-
15147%A---
5745%A---
637%----
14340%
-B
18128%
A-
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:34Page:34
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52ii. To what extent do you agree or disagree with the following statement? - Borrowing money from doorstep lenders (e.g. The Provident) is common in my communityBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
DISAGREE
1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660
1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653
37837%
12338%-----
6240%-----
2531%-----
1849%-----
14936%-----
9733%
--
28139%
--
36237%
-b
1559%
a-
25648%-BCd
8125%A---
3326%A---
214%a---
12735%
--
24938%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:35Page:35
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52iii. To what extent do you agree or disagree with the following statement? - I would rather be in debt than change my lifestyleBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
Strongly agree
Tend to agree
Neither agree nor disagree
Tend to disagree
Strongly disagree
Don't know
Refused
1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587
1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579
212%
63%---
51%---
102%---
112%
--
92%
--
43%
-------
11%
-------
53%
-------
32%
-------
32%
-------
11%
-------
32%
-------
52%---
83%---
72%---
42%----
73%----
21%----
82%----
112%
--
102%
--
909%
209%-b-
144%a-C
5713%
-B-
5210%
--
387%
--
1913%
-----fg
1510%
-------
158%
-------
1711%
-------
108%
-------
85%
a------
76%
a------
3412%
--c
319%---
246%a--
128%----
207%----
2111%----
369%----
327%
--
5710%
--
889%
219%---
196%--c
4811%
-b-
4910%
--
397%
--
139%
-------
2013%
-------
159%
-------
106%
-------
109%
-------
96%
-------
119%
-------
3311%
---
258%---
308%---
128%----
2910%----
105%----
369%----
4110%
--
478%
--
26726%
4319%-bC
9227%
a--
13230%A--
12726%
--
14027%
--
3827%
-------
4730%
------g
4526%
-------
4729%
------g
3228%
-------
3424%
-------
2318%
-b-d---
8528%
---
9228%
---
9023%
---
4327%----
5620%---D
5027%----
11529%-B--
9823%
-b
16529%
a-
52151%
13659%
--C
19556%
--C
19143%AB-
24149%
--
28054%
--
6344%
-----Fg
7045%
-----Fg
9153%
-------
7648%
-----f-
5850%
-------
9162%
AB-d---
7358%
ab-----
13345%
--C
16750%
---
22157%A--
8453%----
15456%---d
9651%----
18648%-b--
23955%
-b
28149%
a-
283%
31%-b-
206%a-C
51%-B-
143%
--
143%
--
43%
-------
32%
-------
21%
-------
64%
-------
33%
-------
32%
-------
64%
-------
72%---
82%---
123%---
32%----
83%----
95%----
72%----
113%
--
163%
--
40%
10%---
21%---
10%---
10%
--
31%
--
--
-------
--
-------
--
-------
--
-------
--
-------
--
-------
43%
-------
--
---
--
---
41%---
--
----
10%----
10%----
20%----
10%
--
30%
--
--
--
---
--
---
--
---
--
--
--
--
--
-------
--
-------
--
-------
--
-------
--
-------
--
-------
--
-------
--
---
--
---
--
---
--
----
--
----
--
----
--
----
--
--
--
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:36Page:36
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52iii. To what extent do you agree or disagree with the following statement? - I would rather be in debt than change my lifestyleBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
AGREE
DISAGREE
1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587
1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579
11111%
2611%
-b-
195%a-C
6615%
-B-
6313%
--
489%
--
2316%
-----F-
1711%
-------
2011%
-------
2013%
-------
1211%
-------
96%
A------
108%
-------
4013%
--c
4012%
---
318%a--
1610%----
2710%----
2312%----
4411%----
4210%
--
6712%
--
78877%
17878%
---
28783%
--C
32373%
-B-
36874%
-b
42080%
a-
10171%
-----F-
11775%
-----f-
13679%
-------
12377%
-------
9078%
-------
12586%
Ab-----
9676%
-------
21873%
--c
25978%
---
31180%
a--
12780%----
21076%----
14677%----
30077%----
33778%
--
44677%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:37Page:37
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52iii. To what extent do you agree or disagree with the following statement? - I would rather be in debt than change my lifestyleBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
Strongly agree
Tend to agree
Neither agree nor disagree
Tend to disagree
Strongly disagree
Don't know
Refused
AGREE
1018 71 64 947 508 8 244 258
1018 70 63 948 515 7 254 241
212%
34%---
35%---
182%---
61%---d
--
----
42%----
104%a---
909%
69%---
610%
---
849%---
408%--c-
--
----
3213%a---
187%----
889%
812%
---
46%---
808%---
418%----
118%----
3112%---d
156%--c-
26726%
2232%
---
2134%
---
24526%
---
13226%----
119%----
6124%----
7230%----
52151%
3042%
---
2743%
---
49252%
---
28555%--C-
563%----
11144%A---
12150%----
283%
11%---
12%---
273%---
112%--c-
--
----
145%
a--d
31%--c-
40%
--
---
--
---
40%---
10%----
--
----
10%----
21%----
--
--
---
--
---
--
---
--
----
--
----
--
----
--
----
11111%
913%
---
915%
---
10211%
---
479%--c-
--
----
3614%a---
2812%----
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:38Page:38
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52iii. To what extent do you agree or disagree with the following statement? - I would rather be in debt than change my lifestyleBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
DISAGREE
1018 71 64 947 508 8 244 258
1018 70 63 948 515 7 254 241
78877%
5274%
---
4977%
---
73778%
---
41781%--C-
682%----
17268%A--D
19380%--C-
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:39Page:39
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52iii. To what extent do you agree or disagree with the following statement? - I would rather be in debt than change my lifestyleBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
Strongly agree
Tend to agree
Neither agree nor disagree
Tend to disagree
Strongly disagree
Don't know
Refused
AGREE
1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660
1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653
212%
62%
-----
42%
-----
33%
-----
--
-----
82%
-----
52%
--
152%
--
212%
--
--
--
122%----
93%----
--
----
--
----
123%
--
91%
--
909%
309%
---d-
1510%-----
810%-----
823%a---E
287%
---D-
227%
--
689%
--
849%
--
417%
--
5210%----
247%----
108%----
320%----
339%
--
579%
--
889%
3410%-----
138%
-----
67%
-----
514%-----
317%
-----
217%
--
679%
--
828%
--
518%
--
336%-B--
4313%A-c-
86%-b--
421%----
308%
--
579%
--
26726%
8827%--C--
3019%--C--
3745%
AB--E
1130%-----
10024%--C--
7024%
--
19727%
--
25826%
--
934%
--
13325%----
8325%----
3931%----
321%----
9727%
--
16926%
--
52151%
15749%--c--
9258%--Cd-
2733%
aB--E
1233%-b--e
23356%--Cd-
17057%
-b
35049%
a-
51352%
--
832%
--
28554%----
15548%----
6853%----
638%----
18050%
--
33952%
--
283%
93%
-----
53%
-----
12%
-----
--
-----
133%
-----
62%
--
213%
--
273%
--
--
--
153%----
93%----
33%----
--
----
103%
--
183%
--
40%
--
-----
--
-----
--
-----
--
-----
41%
-----
10%
--
30%
--
40%
--
--
--
20%----
21%----
--
----
--
----
--
--
41%
--
--
--
-----
--
-----
--
-----
--
-----
--
-----
--
--
--
--
--
--
--
--
--
----
--
----
--
----
--
----
--
--
--
--
11111%
3611%-----
1912%-----
1113%-----
823%----e
369%
---d-
279%
--
8312%
--
10511%
--
417%
--
6312%----
3310%----
108%----
320%----
4412%
--
6610%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:40Page:40
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52iii. To what extent do you agree or disagree with the following statement? - I would rather be in debt than change my lifestyleBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
DISAGREE
1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660
1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653
78877%
24676%-----
12177%-----
6378%-----
2364%----e
33380%---d-
24081%
--
54776%
--
77178%
--
1766%
--
41879%----
23873%--c-
10784%-b-d
1058%--c-
27777%
--
50878%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:41Page:41
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52iv. To what extent do you agree or disagree with the following statement? - You should always save up first before buying somethingBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
Strongly agree
Tend to agree
Neither agree nor disagree
Tend to disagree
Strongly disagree
Don't know
Refused
1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587
1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579
31431%
7734%
---
10430%
---
13330%
---
13928%
--
17533%
--
5539%
-BCd---
3221%A----FG
3721%A----FG
4227%
a-----G
3530%
------g
5537%
-BC----
5947%
-BCD-e--
8729%
--c
7924%
--C
14838%aB-
5132%----
8129%----
5931%----
12031%----
13230%
--
18031%
--
40239%
8236%
---
13338%
---
18742%
---
21343%
-b
18836%
a-
5136%
-------
7045%
------G
8046%
------G
6843%
------G
4438%
-------
5437%
-------
3427%
-BCD---
12141%
---
14945%
--C
13134%
-B-
6340%----
10739%----
7037%----
16041%----
16939%
--
23040%
--
13513%
3314%
---
4413%
---
5913%
---
6613%
--
6913%
--
2014%
-------
2516%
-------
2414%
-------
2315%
-------
1613%
-------
139%
-------
1512%
-------
4415%
---
4814%
---
4311%
---
2113%----
3613%----
2011%----
5715%----
5713%
--
7613%
--
12112%
2712%
---
4012%
---
5412%
---
5611%
--
6512%
--
139%
-------
2113%
-------
2514%
-------
1912%
-------
1714%
-------
1913%
-------
86%
-------
3411%
---
4313%
---
4411%
---
2013%----
3814%----
2513%----
3810%----
5813%
--
6211%
--
222%
73%---
103%---
51%---
92%
--
132%
--
11%
-------
53%
-------
64%
-------
11%
-------
21%
-------
32%
-------
43%
-------
62%---
72%---
92%---
21%----
52%----
84%----
82%----
72%
--
163%
--
222%
31%---
154%--C
41%-B-
102%
--
122%
--
21%
-------
32%
-------
10%
-------
64%
-------
43%
-------
22%
-------
43%
-------
62%---
62%---
103%---
11%----
83%----
74%----
62%----
92%
--
132%
--
30%
10%---
10%---
10%---
10%
--
20%
--
--
-------
--
-------
--
-------
--
-------
--
-------
--
-------
32%
-------
--
---
--
---
31%---
--
----
10%----
--
----
20%----
10%
--
20%
--
--
--
---
--
---
--
---
--
--
--
--
--
-------
--
-------
--
-------
--
-------
--
-------
--
-------
--
-------
--
---
--
---
--
---
--
----
--
----
--
----
--
----
--
--
--
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:42Page:42
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52iv. To what extent do you agree or disagree with the following statement? - You should always save up first before buying somethingBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
AGREE
DISAGREE
1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587
1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579
71670%
15969%
---
23768%
---
32072%
---
35271%
--
36369%
--
10675%
-------
10266%
-------
11768%
-------
11170%
-------
7868%
-------
10974%
-------
9273%
-------
20970%
---
22869%
---
27972%
---
11472%----
18768%----
13069%----
28072%----
30169%
--
41071%
--
14314%
3415%
---
5015%
---
5913%
---
6513%
--
7815%
--
1410%
-------
2616%
-------
3118%
-------
2012%
-------
1816%
-------
2215%
-------
1210%
-------
4013%
---
5115%
---
5314%
---
2214%----
4316%----
3217%----
4512%----
6515%
--
7813%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:43Page:43
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52iv. To what extent do you agree or disagree with the following statement? - You should always save up first before buying somethingBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
Strongly agree
Tend to agree
Neither agree nor disagree
Tend to disagree
Strongly disagree
Don't know
Refused
AGREE
1018 71 64 947 508 8 244 258
1018 70 63 948 515 7 254 241
31431%
1014%
--C
914%
--C
30532%AB-
16432%----
115%----
6827%----
8134%----
40239%
3043%
---
2641%
---
37239%
---
21542%----
568%----
9337%----
8937%----
13513%
1319%
---
1118%
---
12213%
---
6813%----
118%----
3313%----
3213%----
12112%
1420%
--c
1422%
--c
10711%ab-
4910%--C-
--
----
4417%A---
2812%----
222%
11%---
12%---
212%---
102%----
--
----
52%----
73%----
222%
23%---
23%---
202%---
81%--c-
--
----
125%
a--d
21%--c-
30%
--
---
--
---
30%---
--
----
--
----
--
----
31%----
--
--
---
--
---
--
---
--
----
--
----
--
----
--
----
71670%
4057%
--c
3455%
--C
67671%aB-
38074%--C-
682%----
16063%A---
17070%----
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:44Page:44
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52iv. To what extent do you agree or disagree with the following statement? - You should always save up first before buying somethingBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
DISAGREE
1018 71 64 947 508 8 244 258
1018 70 63 948 515 7 254 241
14314%
1521%
---
1524%
--c
12813%
-b-
5912%--C-
--
----
4919%A---
3514%----
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:45Page:45
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52iv. To what extent do you agree or disagree with the following statement? - You should always save up first before buying somethingBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
Strongly agree
Tend to agree
Neither agree nor disagree
Tend to disagree
Strongly disagree
Don't know
Refused
AGREE
1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660
1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653
31431%
7523%---DE
4931%-----
1721%---dE
1645%
A-c--
15738%
A-C--
11037%
-B
20428%
A-
30531%
--
936%
--
17232%----
10231%----
3225%----
214%----
8925%
-B
22534%
A-
40239%
15146%----E
5837%-----
4151%----E
1336%-----
13733%
A-C--
9733%
-B
30442%
A-
39139%
--
1037%
--
19937%--c-
12639%----
6148%a---
1058%----
15041%
--
24938%
--
13513%
4514%-----
1912%-----
1215%-----
38%
-----
5613%-----
4616%
--
8912%
--
13313%
--
15%
--
6713%----
4414%----
1814%----
320%----
4813%
--
8713%
--
12112%
4213%-----
2214%-----
911%-----
411%-----
4310%-----
3311%
--
8812%
--
11512%
--
622%
--
7314%----
3411%----
108%----
19%----
5716%
-B
6410%
A-
222%
52%
-----
53%
-----
--
-----
--
-----
123%
-----
62%
--
162%
--
222%
--
--
--
92%----
82%----
43%----
--
----
82%
--
142%
--
222%
62%
-----
43%
-----
23%
-----
--
-----
92%
-----
31%
--
193%
--
212%
--
--
--
102%----
93%----
22%----
--
----
113%
--
112%
--
30%
--
-----
--
-----
--
-----
--
-----
31%
-----
21%
--
10%
--
30%
--
--
--
20%----
10%----
--
----
--
----
--
--
30%
--
--
--
-----
--
-----
--
-----
--
-----
--
-----
--
--
--
--
--
--
--
--
--
----
--
----
--
----
--
----
--
--
--
--
71670%
22670%-----
10868%-----
5871%-----
3081%-----
29471%-----
20770%
--
50871%
--
69570%
--
1973%
--
37170%----
22870%----
9373%----
1272%----
23866%
-b
47473%
a-
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:46Page:46
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52iv. To what extent do you agree or disagree with the following statement? - You should always save up first before buying somethingBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
DISAGREE
1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660
1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653
14314%
4815%-----
2717%-----
911%-----
411%-----
5513%-----
3813%
--
10314%
--
13714%
--
622%
--
8215%----
4213%----
1411%----
19%----
6518%
-b
7812%
a-
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:47Page:47
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52v. To what extent do you agree or disagree with the following statement? - I know many people who have used payday loansBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
Strongly agree
Tend to agree
Neither agree nor disagree
Tend to disagree
Strongly disagree
Don't know
Refused
1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587
1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579
778%
2310%
---
257%---
296%---
337%
--
448%
--
128%
------G
2516%
---DeFG
169%
------G
96%
-B----g
87%
-b----G
64%
-B-----
--
ABCd-E--
3712%
--C
268%--c
144%Ab-
22%
--cD
166%---d
147%a---
4311%Ab--
194%-B
5710%
A-
16716%
3214%
---
4513%
--c
8920%
-b-
8718%
--
8015%
--
2216%-b---
FG
4529%a---EFG
3922%-----FG
3623%-----FG
1614%-B---
Fg
53%
ABCD-E--
54%
ABCD-e--
6722%
--C
7422%
--C
267%AB-
2113%----
3914%----
3016%----
7720%----
6014%
--
10719%
--
757%
136%---
247%---
389%---
326%
--
438%
--
118%
-------
107%
-------
106%
-------
128%
-------
98%
-------
75%
------g
1613%
-----f-
217%---
227%---
328%---
96%----
166%----
105%----
4010%----
256%
--
509%
--
21621%
3716%
--C
6218%
--C
11726%AB-
10722%
--
10921%
--
2518%
-------
3522%
-------
4224%
-------
3421%
-------
2723%
-------
2920%
-------
2419%
-------
6020%
---
7623%
---
8021%
---
4025%---d
6423%----
4222%----
6818%a---
10424%
--
11019%
--
41240%
10847%
--C
14442%
---
15936%A--
20942%
--
20339%
--
6042%
-B---F-
3321%
A-CD-EFG
6437%-B---
Fg
5635%-B---
FG
4640%
-B---F-
8860%
ABCD-E--
6551%
-BcD---
9331%
--C
12036%
--C
19951%AB-
8151%---D
11943%---d
8042%---d
13033%Abc-
19946%
-B
21136%
A-
677%
146%-bc
4413%a-C
102%aB-
265%
--
418%
--
128%
--c----
85%
-------
32%
a--de-G
117%
--c----
109%
--c----
96%
-------
1311%
--C----
207%---
154%--c
338%-b-
43%---d
207%----
137%----
298%a---
245%
--
437%
--
40%
31%---
10%---
10%---
10%
--
31%
--
--
-------
--
-------
--
-------
--
-------
--
-------
21%
-------
32%
-------
--
---
--
---
41%---
11%----
21%----
--
----
20%----
31%
--
20%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:48Page:48
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52v. To what extent do you agree or disagree with the following statement? - I know many people who have used payday loansBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
AGREE
DISAGREE
1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587
1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579
--
--
---
--
---
--
---
--
--
--
--
--
-------
--
-------
--
-------
--
-------
--
-------
--
-------
--
-------
--
---
--
---
--
---
--
----
--
----
--
----
--
----
--
--
--
--
24424%
5524%
---
7120%
---
11827%
---
12024%
--
12424%
--
3424%-B---
FG
7045%
A-cDEFG
5532%-b---
FG
4529%-B---
FG
2421%-B---
FG
117%
ABCD-E--
54%
ABCD-E--
10435%
--C
10030%
--C
4010%AB-
2315%---D
5520%---D
4423%----
12031%AB--
7818%
-B
16428%
A-
62762%
14563%
---
20660%
---
27662%
---
31664%
--
31260%
--
8560%
-B---F-
6843%
A-CdEFG
10561%
-B---F-
9057%-b---
Fg
7363%
-B---F-
11780%
ABCD-E--
8971%
-B-d---
15351%
--C
19659%
--C
27972%AB-
12176%-bcD
18266%a--D
12264%a--D
19951%
ABC-
30370%
-B
32055%
A-
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:49Page:49
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52v. To what extent do you agree or disagree with the following statement? - I know many people who have used payday loansBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
Strongly agree
Tend to agree
Neither agree nor disagree
Tend to disagree
Strongly disagree
Don't know
Refused
AGREE
1018 71 64 947 508 8 244 258
1018 70 63 948 515 7 254 241
778%
2029%
--C
1829%
--C
576%AB-
397%----
--
----
145%----
2510%----
16716%
1927%
--c
1930%
--C
14816%aB-
8817%----
115%----
4317%----
3515%----
757%
57%---
35%---
707%---
387%----
17%----
135%----
2310%----
21621%
913%
---
711%
---
20722%
---
9218%-Bc-
565%A-cd
6225%ab--
5623%-b--
41240%
1420%
--C
1422%
--C
39842%AB-
22644%---d
113%----
10340%----
8234%a---
677%
35%---
24%---
647%---
316%----
--
----
208%----
167%----
40%
--
---
--
---
40%---
20%----
--
----
--
----
31%----
--
--
---
--
---
--
---
--
----
--
----
--
----
--
----
24424%
3956%
--C
3759%
--C
20522%AB-
12624%----
115%----
5622%----
6025%----
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:50Page:50
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52v. To what extent do you agree or disagree with the following statement? - I know many people who have used payday loansBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
DISAGREE
1018 71 64 947 508 8 244 258
1018 70 63 948 515 7 254 241
62762%
2332%
--C
2133%
--C
60564%AB-
31862%----
678%----
16565%----
13957%----
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:51Page:51
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52v. To what extent do you agree or disagree with the following statement? - I know many people who have used payday loansBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
Strongly agree
Tend to agree
Neither agree nor disagree
Tend to disagree
Strongly disagree
Don't know
Refused
AGREE
1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660
1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653
778%
258%
--c--
96%
--c--
1316%
ab--E
37%
-----
277%
--C--
258%
--
527%
--
768%
--
13%
--
194%
-BC-
3611%A---
1915%A---
14%----
4212%
-B
355%A-
16716%
6520%----E
2918%----e
2024%----E
617%-----
4711%
AbC--
4214%
--
12517%
--
16016%
--
520%
--
5911%-BC-
6921%A---
3628%A---
215%----
7621%
-B
9014%
A-
757%
196%
-----
117%
-----
45%
-----
39%
-----
389%
-----
269%
--
497%
--
677%-b
521%
a-
326%----
309%----
97%----
320%----
195%
--
569%
--
21621%
9028%----E
3120%-----
1822%-----
514%-----
7217%A----
5117%
--
16523%
--
20921%
--
726%
--
12524%-b--
5417%a--d
2620%----
742%-b--
7721%
--
13821%
--
41240%
10933%----E
6743%--c--
2227%
-b-dE
1848%--c--
19747%
A-C--
12542%
--
28540%
--
40441%
--
830%
--
26450%-BCD
10332%A---
3427%A---
214%A---
12434%
-B
28644%
A-
677%
175%
-----
117%
-----
56%
-----
25%
-----
328%
-----
258%
--
436%
--
677%
--
--
--
316%----
309%--c-
43%-b--
16%----
247%
--
437%
--
40%
--
-----
--
-----
--
-----
--
-----
41%
-----
31%
--
20%
--
40%
--
--
--
31%----
20%----
--
----
--
----
--
--
41%
--
--
--
-----
--
-----
--
-----
--
-----
--
-----
--
--
--
--
--
--
--
--
--
----
--
----
--
----
--
----
--
--
--
--
24424%
9028%--c-E
3824%--c--
3341%
ab--E
924%-----
7418%
A-C--
6723%
--
17725%
--
23724%
--
623%
--
7815%-BC-
10532%A-c-
5543%Ab--
319%----
11833%
-B
12519%
A-
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:52Page:52
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52v. To what extent do you agree or disagree with the following statement? - I know many people who have used payday loansBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
DISAGREE
1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660
1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653
62762%
19961%--c--
9862%-----
3948%a---E
2362%-----
26864%--C--
17659%
--
45062%
--
61362%
--
1556%
--
38973%-BC-
15849%A---
6047%A---
956%----
20156%
-B
42465%
A-
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:53Page:53
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52vi. To what extent do you agree or disagree with the following statement? - Debt is a normal part of today’s lifestyleBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
Strongly agree
Tend to agree
Neither agree nor disagree
Tend to disagree
Strongly disagree
Don't know
Refused
1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587
1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579
34334%
8638%
---
11934%
---
13831%
---
16934%
--
17433%
--
3424%
--Cdef-
4831%
-------
6739%
A------
6038%
a------
4539%
a------
5337%
a------
3629%
-------
8228%
-B-
12738%A--
13435%
---
4730%----
8631%----
6936%----
14036%----
13331%
--
20936%
--
49048%
11148%
---
15445%
---
22651%
---
23848%
--
25348%
--
7251%
-------
8051%
-------
8951%
-------
7346%
-------
4842%
-------
6746%
-------
6249%
-------
15251%
---
16249%
---
17746%
---
8252%----
13750%----
8445%----
18347%----
22051%
--
26746%
--
646%
198%---
154%---
307%---
337%
--
316%
--
107%
-------
107%
-------
74%
-------
85%
-------
87%
-------
86%
-------
1310%
-------
207%---
154%---
297%---
53%--c-
166%----
179%a---
267%----
215%
--
437%
--
576%
94%---
165%---
317%---
286%
--
296%
--
1510%
---d--g
117%
-------
85%
-------
64%
a------
44%
-------
96%
-------
32%
a------
269%-bc
144%a--
174%a--
1812%-bcD
125%a---
95%a---
164%
A---
317%
--
254%
--
333%
21%-B-
195%A--
123%---
143%
--
184%
--
43%
-------
42%
-------
32%
-------
75%
-------
76%
-------
43%
-------
54%
-------
83%---
103%---
154%---
43%----
135%----
32%----
123%----
174%
--
153%
--
293%
21%-B-
237%A-C
41%-B-
112%
--
183%
--
64%
--c----
32%
-------
--
a--de-g
64%
--c----
44%
--c----
43%
-------
65%
--c----
93%---
62%---
144%---
11%----
103%----
84%----
113%----
112%
--
183%
--
20%
10%---
--
---
10%---
10%
--
10%
--
--
-------
--
-------
--
-------
--
-------
--
-------
--
-------
22%
-------
--
---
--
---
20%---
--
----
10%----
--
----
10%----
10%
--
10%
--
--
--
---
--
---
--
---
--
--
--
--
--
-------
--
-------
--
-------
--
-------
--
-------
--
-------
--
-------
--
---
--
---
--
---
--
----
--
----
--
----
--
----
--
--
--
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:54Page:54
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52vi. To what extent do you agree or disagree with the following statement? - Debt is a normal part of today’s lifestyleBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
AGREE
DISAGREE
1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587
1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579
83382%
19786%
-b-
27379%
a--
36482%
---
40782%
--
42782%
--
10675%
--C----
12882%
-------
15590%
A---e-G
13384%
-------
9380%
--c----
12082%
-------
9878%
--C----
23479%
-B-
28887%A-c
31180%
-b-
13082%----
22381%----
15381%----
32483%----
35381%
--
47682%
--
909%
115%-bc
3510%
a--
4310%
a--
429%
--
479%
--
1913%
-------
159%
-------
116%
-------
138%
-------
1110%
-------
139%
-------
76%
-------
3411%
---
247%---
328%---
2214%--cd
259%----
116%a---
287%a---
4811%
-b
407%a-
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:55Page:55
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52vi. To what extent do you agree or disagree with the following statement? - Debt is a normal part of today’s lifestyleBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
Strongly agree
Tend to agree
Neither agree nor disagree
Tend to disagree
Strongly disagree
Don't know
Refused
AGREE
1018 71 64 947 508 8 244 258
1018 70 63 948 515 7 254 241
34334%
3752%
--C
3455%
--C
30632%AB-
16532%----
345%----
8533%----
9037%----
49048%
2738%
---
2438%
---
46449%
---
26050%----
455%----
12449%----
10343%----
646%
34%---
11%---
616%---
306%----
--
----
145%----
208%----
576%
23%---
23%---
556%---
285%----
--
----
145%----
166%----
333%
22%---
23%---
313%---
214%----
--
----
52%----
63%----
293%
--
---
--
---
293%---
112%----
--
----
125%----
52%----
20%
--
---
--
---
20%---
--
----
--
----
--
----
21%----
--
--
---
--
---
--
---
--
----
--
----
--
----
--
----
83382%
6391%
---
5893%
--c
77081%
-b-
42582%----
7100%
----
20982%----
19280%----
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:56Page:56
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52vi. To what extent do you agree or disagree with the following statement? - Debt is a normal part of today’s lifestyleBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
DISAGREE
1018 71 64 947 508 8 244 258
1018 70 63 948 515 7 254 241
909%
45%---
46%---
869%---
499%----
--
----
197%----
229%----
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:57Page:57
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52vi. To what extent do you agree or disagree with the following statement? - Debt is a normal part of today’s lifestyleBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
Strongly agree
Tend to agree
Neither agree nor disagree
Tend to disagree
Strongly disagree
Don't know
Refused
AGREE
1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660
1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653
34334%
10332%-----
5635%---d-
3240%---d-
615%
-bc-e
14635%---d-
11639%
-b
22731%
a-
33234%
--
1140%
--
16030%-bc-
12137%a---
5341%a---
531%----
12835%
--
21333%
--
49048%
17153%----e
7246%-----
3847%-----
2362%-----
18745%a----
13345%
--
35750%
--
47948%
--
1038%
--
27451%-b--
14344%a---
5744%----
846%----
17448%
--
31548%
--
646%
186%
-----
64%
-----
22%
-----
410%-----
348%
-----
207%
--
446%
--
626%
--
15%
--
295%---d
268%----
43%---D
423%a-C-
185%
--
467%
--
576%
134%
-----
128%
-----
78%
-----
37%
-----
215%
-----
124%
--
456%
--
525%-b
417%
a-
326%----
144%----
108%----
--
----
226%
--
355%
--
333%
103%
-----
64%
-----
--
-----
26%
-----
143%
-----
83%
--
243%
--
333%
--
--
--
224%----
93%----
11%----
--
----
103%
--
223%
--
293%
93%
-----
53%
-----
33%
-----
--
-----
133%
-----
72%
--
223%
--
283%
--
--
--
132%----
113%----
33%----
--
----
103%
--
193%
--
20%
--
-----
--
-----
--
-----
--
-----
20%
-----
10%
--
10%
--
20%
--
--
--
20%----
--
----
--
----
--
----
--
--
20%
--
--
--
-----
--
-----
--
-----
--
-----
--
-----
--
--
--
--
--
--
--
--
--
----
--
----
--
----
--
----
--
--
--
--
83382%
27485%-----
12881%-----
7086%-----
2877%-----
33380%-----
24984%
--
58481%
--
81282%
--
2078%
--
43482%----
26481%----
11086%----
1377%----
30183%
--
52981%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:58Page:58
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52vi. To what extent do you agree or disagree with the following statement? - Debt is a normal part of today’s lifestyleBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
DISAGREE
1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660
1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653
909%
237%
-----
1812%-----
78%
-----
513%-----
369%
-----
207%
--
6910%
--
859%
--
417%
--
5410%----
227%----
119%----
--
----
329%
--
589%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:59Page:59
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52vii. To what extent do you agree or disagree with the following statement? - It is okay to be in debt if you can pay it offBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
Strongly agree
Tend to agree
Neither agree nor disagree
Tend to disagree
Strongly disagree
Don't know
Refused
1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587
1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579
12913%
4821%-BC
3911%A--
4210%A--
6814%
--
6112%
--
1913%
-------
2315%
-------
2816%
-------
1610%
-------
1412%
-------
1711%
-------
1411%
-------
4214%
---
4313%
---
4411%
---
1811%----
3714%----
2915%----
4512%----
5513%
--
7513%
--
49048%
11048%
---
16247%
---
21849%
---
24048%
--
25148%
--
6647%
-------
7045%
-------
9454%
------g
7648%
-------
6052%
-------
7551%
-------
5039%
--c----
13646%
---
17051%
---
18548%
---
8050%----
13148%----
10556%---D
17144%--C-
21149%
--
27648%
--
14314%
2410%
--c
4513%
---
7417%
a--
7415%
--
6913%
--
2115%
-------
2114%
-------
2414%
-------
2616%
-------
1513%
-------
129%
------g
2419%
-----f-
4214%
---
5015%
---
5113%
---
1711%----
4516%--C-
148%
-B-D
6717%--C-
6214%
--
8214%
--
12913%
2511%
---
3310%
--c
7016%
-b-
5712%
--
7114%
--
2316%
-------
2717%
----e--
1810%
-------
2013%
-------
98%
-b-----
2014%
-------
129%
-------
5017%
--c
3711%
---
4111%
a--
3120%-bcd
3212%a---
1810%a---
4812%a---
6314%
--
6611%
--
879%
188%---
4112%
--c
286%-b-
377%
--
5010%
--
107%
-------
127%
-------
64%----
eFG
117%
-------
1210%
--c----
1913%
--C----
1814%
--C----
217%--c
175%--C
4812%aB-
128%----
187%----
127%----
4111%----
307%
--
549%
--
374%
31%-B-
247%A-C
102%-B-
173%
--
204%
--
32%
-------
42%
-------
32%
-------
106%
-------
65%
-------
32%
-------
86%
-------
72%---
134%---
164%---
11%----
114%----
95%----
164%----
123%
--
244%
--
30%
10%---
21%---
--
---
20%
--
10%
--
--
-------
--
-------
11%
-------
--
-------
--
-------
--
-------
22%
-------
--
---
10%---
21%---
--
----
10%----
11%----
10%----
10%
--
20%
--
--
--
---
--
---
--
---
--
--
--
--
--
-------
--
-------
--
-------
--
-------
--
-------
--
-------
--
-------
--
---
--
---
--
---
--
----
--
----
--
----
--
----
--
--
--
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:60Page:60
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52vii. To what extent do you agree or disagree with the following statement? - It is okay to be in debt if you can pay it offBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
AGREE
DISAGREE
1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587
1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579
61961%
15869%-bc
20158%
a--
26059%
a--
30862%
--
31260%
--
8560%
-------
9359%
-------
12170%---d-
-G
9258%
--c----
7464%
------g
9163%
-------
6350%
--C-e--
17760%
---
21364%
---
22959%
---
9762%----
16861%--c-
13471%-b-D
21656%--C-
26561%
--
35161%
--
21621%
4319%
---
7421%
---
9922%
---
9419%
--
12123%
--
3323%
-------
3925%
--c----
2414%
-b---F-
3119%
-------
2118%
-------
3927%
--C----
2923%
-------
7124%
-b-
5517%a-c
8923%
-b-
4327%-bc-
5018%a---
3116%a---
8923%----
9321%
--
12021%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:61Page:61
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52vii. To what extent do you agree or disagree with the following statement? - It is okay to be in debt if you can pay it offBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
Strongly agree
Tend to agree
Neither agree nor disagree
Tend to disagree
Strongly disagree
Don't know
Refused
AGREE
1018 71 64 947 508 8 244 258
1018 70 63 948 515 7 254 241
12913%
1015%
---
1016%
---
11913%
---
5611%--C-
118%----
5020%A--D
219%--C-
49048%
3855%
---
3555%
---
45248%
---
25048%----
451%----
12449%----
11347%----
14314%
1014%
---
711%
---
13414%
---
7915%----
--
----
2811%----
3615%----
12913%
710%
---
710%
---
12113%
---
6713%----
232%----
2911%----
3013%----
879%
46%---
47%---
829%---
499%--C-
--
----
62%
A--D
3313%--C-
374%
--
---
--
---
374%---
143%----
--
----
156%----
83%----
30%
--
---
--
---
30%---
10%----
--
----
10%----
10%----
--
--
---
--
---
--
---
--
----
--
----
--
----
--
----
61961%
4970%
---
4572%
---
57160%
---
30659%--c-
568%----
17569%a--D
13455%--C-
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:62Page:62
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52vii. To what extent do you agree or disagree with the following statement? - It is okay to be in debt if you can pay it offBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
DISAGREE
1018 71 64 947 508 8 244 258
1018 70 63 948 515 7 254 241
21621%
1217%
---
1117%
---
20422%
---
11522%--C-
232%----
3514%A--D
6326%--C-
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:63Page:63
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52vii. To what extent do you agree or disagree with the following statement? - It is okay to be in debt if you can pay it offBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
Strongly agree
Tend to agree
Neither agree nor disagree
Tend to disagree
Strongly disagree
Don't know
Refused
AGREE
1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660
1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653
12913%
4413%-----
2214%-----
1214%-----
617%-----
4611%-----
3110%
--
9814%
--
12713%
--
29%
--
6312%----
4413%----
1512%----
214%----
5415%
--
7411%
--
49048%
17755%-B--e
6038%
A--d-
3847%-----
2361%-b---
19146%a----
14750%
--
34348%
--
47748%
--
1245%
--
28053%-B--
13742%A---
5846%----
952%----
17749%
--
31348%
--
14314%
4213%-----
2818%-----
1114%-----
24%
-----
6014%-----
3512%
--
10815%
--
13914%
--
29%
--
6111%-b--
5717%a---
2015%----
425%----
5114%
--
9114%
--
12913%
3410%-b---
2717%a----
1315%-----
39%
-----
5212%-----
4013%
--
8912%
--
12012%
-B
831%
A-
5911%--c-
4213%----
2520%a---
210%----
4312%
--
8613%
--
879%
155%
----E
149%
-----
67%
-----
39%
-----
4912%A----
3512%
-b
517%a-
869%
--
15%
--
5310%----
268%----
65%----
--
----
257%
--
619%
--
374%
124%
-----
64%
-----
12%
-----
--
-----
174%
-----
83%
--
294%
--
374%
--
--
--
153%----
186%----
32%----
--
----
113%
--
264%
--
30%
10%
-----
--
-----
--
-----
--
-----
21%
-----
10%
--
20%
--
30%
--
--
--
10%----
21%----
--
----
--
----
10%
--
20%
--
--
--
-----
--
-----
--
-----
--
-----
--
-----
--
--
--
--
--
--
--
--
--
----
--
----
--
----
--
----
--
--
--
--
61961%
22068%-B--E
8252%
A--D-
5061%-----
2978%-B--e
23757%
A--d-
17860%
--
44161%
--
60461%
--
1455%
--
34364%-b--
18056%a---
7458%----
1165%----
23164%
--
38759%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:64Page:64
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52vii. To what extent do you agree or disagree with the following statement? - It is okay to be in debt if you can pay it offBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
DISAGREE
1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660
1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653
21621%
4915%-B--E
4126%A----
1923%-----
618%-----
10124%A----
7525%
-b
14019%
a-
20621%
--
1037%
--
11121%----
6721%----
3225%----
210%----
6819%
--
14722%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:65Page:65
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52viii. To what extent do you agree or disagree with the following statement? - As far as I know, close family and friends rarely borrow money or get into debt, excludingmortgages
Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
Strongly agree
Tend to agree
Neither agree nor disagree
Tend to disagree
Strongly disagree
Don't know
Refused
1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587
1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579
19319%
5122%
---
6820%
---
7417%
---
9619%
--
9719%
--
2921%
-------
2013%
------G
2716%
------G
2516%
------G
2219%
-------
3122%
-------
3830%
-BCD---
4917%
--c
5216%
--c
9124%ab-
3321%---d
6825%---D
4021%---d
5213%aBc-
10123%
-B
9216%
A-
30630%
7131%
---
9628%
---
14032%
---
13427%
-b
17333%
a-
3726%
-----F-
4831%
-------
5129%
-----f-
4629%
-----f-
3732%
-------
6142%
A-cd--G
2620%
-----F-
8629%
---
9729%
---
12432%
---
4931%----
8631%----
5630%----
11429%----
13531%
--
17029%
--
16516%
4319%
---
5717%
---
6515%
---
8918%
--
7615%
--
2417%
-------
2717%
-------
3722%
-----f-
2315%
-------
1513%
-------
1611%
--c----
2318%
-------
5117%
---
6118%
---
5414%
---
2314%----
4416%----
3318%----
6617%----
6715%
--
9917%
--
17617%
2410%
--C
4413%
--C
10824%AB-
9419%
--
8216%
--
2517%
-------
3221%
------g
3721%
-----fG
3522%
-----fG
1715%
-------
1712%
--cd---
129%
-bCD---
5719%
--c
7322%
--C
4612%aB-
3220%----
4115%----
2312%---d
7920%--c-
7317%
--
10218%
--
808%
115%-b-
3410%
a--
358%---
347%
--
469%
--
128%
-------
149%
-------
95%
-------
149%
-------
1110%
-------
107%
-------
119%
-------
258%---
237%---
328%---
1510%----
124%---d
147%----
369%-b--
286%
--
509%
--
919%
2913%
--C
4513%
--C
174%AB-
459%
--
469%
--
1511%
-------
159%
-------
127%
-------
159%
-------
1211%
-------
107%
-------
1310%
-------
3010%
---
278%---
359%---
64%
--cd
238%----
2111%a---
4010%a---
297%-b
6111%
a-
61%
10%---
21%---
31%---
31%
--
31%
--
--
-------
11%
-------
--
-------
--
-------
11%
-------
--
-------
43%
-------
10%---
--
---
51%---
--
----
10%----
21%----
31%----
10%
--
51%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:66Page:66
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52viii. To what extent do you agree or disagree with the following statement? - As far as I know, close family and friends rarely borrow money or get into debt, excludingmortgages
Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
AGREE
DISAGREE
1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587
1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579
--
--
---
--
---
--
---
--
--
--
--
--
-------
--
-------
--
-------
--
-------
--
-------
--
-------
--
-------
--
---
--
---
--
---
--
----
--
----
--
----
--
----
--
--
--
--
49949%
12253%
---
16447%
---
21448%
---
22946%
--
27052%
--
6647%
-----F-
6844%
-----F-
7845%
-----F-
7145%
-----F-
5951%
-----f-
9364%
ABCD-e-g
6451%
-----f-
13545%
--C
14945%
--C
21555%AB-
8252%----
15456%---D
9651%----
16542%-B--
23654%
-B
26145%
A-
25625%
3415%-bC
7823%a-C
14432%AB-
12826%
--
12825%
--
3626%
-------
4629%
-----fg
4627%
-------
5031%
-----fg
2824%
-------
2719%
-b-d---
2318%
-b-d---
8227%
--c
9629%
--C
7820%aB-
4730%-bc-
5319%a--D
3719%a--d
11630%-Bc-
10023%
--
15226%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:67Page:67
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52viii. To what extent do you agree or disagree with the following statement? - As far as I know, close family and friends rarely borrow money or get into debt, excludingmortgages
Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
Strongly agree
Tend to agree
Neither agree nor disagree
Tend to disagree
Strongly disagree
Don't know
Refused
1018 71 64 947 508 8 244 258
1018 70 63 948 515 7 254 241
19319%
69%--c
610%
---
18620%
a--
9118%----
225%----
5522%----
4418%----
30630%
1724%
---
1321%
---
29031%
---
15229%----
230%----
8132%----
7230%----
16516%
1319%
---
1320%
---
15216%
---
8116%----
118%----
3715%----
4619%----
17617%
2232%
--C
2031%
--C
15316%AB-
9118%----
119%----
4919%----
3514%----
808%
710%
---
711%
---
738%---
449%----
17%----
125%---d
2410%--c-
919%
46%---
47%---
879%---
5511%----
--
----
187%----
188%----
61%
--
---
--
---
61%---
20%----
--
----
10%----
31%----
--
--
---
--
---
--
---
--
----
--
----
--
----
--
----
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:68Page:68
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52viii. To what extent do you agree or disagree with the following statement? - As far as I know, close family and friends rarely borrow money or get into debt, excludingmortgages
Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
AGREE
DISAGREE
1018 71 64 947 508 8 244 258
1018 70 63 948 515 7 254 241
49949%
2333%
--C
1931%
--C
47650%AB-
24347%----
455%----
13754%----
11648%----
25625%
2942%
--C
2743%
--C
22724%AB-
13526%----
227%----
6124%----
5924%----
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:69Page:69
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52viii. To what extent do you agree or disagree with the following statement? - As far as I know, close family and friends rarely borrow money or get into debt, excludingmortgages
Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
Strongly agree
Tend to agree
Neither agree nor disagree
Tend to disagree
Strongly disagree
Don't know
Refused
1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660
1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653
19319%
5818%--c--
3220%--C--
56%
aB--E
514%-----
9322%--C--
5218%
--
14019%
--
18919%
--
415%
--
13024%-BC-
4514%A---
1512%A---
14%----
6017%
--
13320%
--
30630%
9931%-----
4227%-----
2631%-----
1027%-----
13031%-----
10034%
--
20729%
--
29830%
--
832%
--
17132%----
9529%----
3628%----
214%----
10128%
--
20531%
--
16516%
5918%-----
2717%-----
1316%-----
513%-----
6115%-----
4716%
--
11816%
--
16216%
--
28%
--
6913%--C-
5617%----
3125%A---
530%----
6217%
--
10316%
--
17617%
6119%-----
2113%--Cd-
2328%-B--E
1129%-b--e
6115%--Cd-
4314%
--
13318%
--
16517%
-b
1037%
a-
8416%---d
6018%----
2318%----
741%a---
7821%
-B
9615%
A-
808%
206%
-----
1711%-----
1012%-----
12%
-----
338%
-----
279%
--
537%
--
788%
--
28%
--
408%----
289%----
118%----
--
----
298%
--
528%
--
919%
289%
-----
1711%-----
56%
-----
615%-----
358%
-----
258%
--
669%
--
919%
--
--
--
367%-b--
3812%a---
119%----
212%----
319%
--
609%
--
61%
--
-----
11%
-----
--
-----
--
-----
51%
-----
31%
--
30%
--
61%
--
--
--
20%----
31%----
--
----
--
----
10%
--
51%
--
--
--
-----
--
-----
--
-----
--
-----
--
-----
--
--
--
--
--
--
--
--
--
----
--
----
--
----
--
----
--
--
--
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:70Page:70
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q52viii. To what extent do you agree or disagree with the following statement? - As far as I know, close family and friends rarely borrow money or get into debt, excludingmortgages
Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
AGREE
DISAGREE
1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660
1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653
49949%
15749%-----
7447%-----
3037%----e
1541%-----
22253%--c--
15251%
--
34748%
--
48749%
--
1247%
--
30056%-BCD
14043%A---
5140%A---
317%A---
16145%
-b
33752%
a-
25625%
8025%--C--
3824%--c--
3341%
Ab--E
1131%-----
9423%--C--
6923%
--
18626%
--
24325%
-b
1245%
a-
12423%----
8827%----
3427%----
741%----
10629%
-b
14823%
a-
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:71Page:71
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Q52 SummaryAnalysis..: V880_1y~V880_8yFilter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Analysis %, Respondents
CountsAnalysis %Respondents
Strongly agree Tend to agreeNeither agree nor
disagree Tend to disagree Strongly disagree Don't know Refused AGREE DISAGREE
There is no excuse for borrow ingmoney
Borrow ing money from doorsteplenders (e.g. The Provident) is commonin my community
I w ould rather be in debt than changemy lifestyle
You should alw ays save up f irst beforebuying something
I know many people w ho have usedpayday loans
Debt is a normal part of today’s lifestyle
It is okay to be in debt if you can pay itoff
As far as I know , close family andfriends rarely borrow money or get intodebt, excluding mortgages
495%
13013%
18718%
45845%
15715%
333%
30%
--
17918%
61660%
12412%
20120%
15315%
16917%
20921%
15916%
40%
--
32532%
37837%
212%
909%
889%
26726%
52151%
283%
40%
--
11111%
78877%
31431%
40239%
13513%
12112%
222%
222%
30%
--
71670%
14314%
778%
16716%
757%
21621%
41240%
677%
40%
--
24424%
62762%
34334%
49048%
646%
576%
333%
293%
20%
--
83382%
909%
12913%
49048%
14314%
12913%
879%
374%
30%
--
61961%
21621%
19319%
30630%
16516%
17617%
808%
919%
61%
--
49949%
25625%
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:72Page:72
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q53. Which one of these statements best describes how well you are keeping up with your bills and credit commitments at the moment, including those you havepersonally or jointly with your partner\spouse.
Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
A. I am keeping up w ith allbills and commitments w ithout
any diff iculties
B. I am keeping up w ith all billsand commitments, but it is a
struggle from time to time
C. I am keeping up w ith all billsand commitments, but it is a
constant struggle
D. I am falling behind w ithsome bills or credit
commitments
E. I am having real f inancialproblems and have fallenbehind w ith many bills or
credit commitments
Don't know
Prefer not to say
1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587
1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579
55354%
11651%
-B-
23167%A-C
20647%
-B-
28858%
-b
26551%
a-
6747%-----FG
6038%----
EFG
7744%-----FG
7950%-----FG
6556%-B---
Fg
11680%
ABCD-E--
8971%
ABCD-e--
12743%
--C
15647%
--C
27070%AB-
12277%-BCD
16359%A--D
10254%A--d
16542%ABc-
28566%
-B
26646%
A-
31531%
9140%
-B-
7722%A-C
14733%
-B-
13126%
-B
18535%
A-
4028%
-Bc----
7045%
A--deFG
7040%a----FG
4931%
-b---f-
3329%
-b-----
2718%
-BCd---
2721%
-BC----
11037%
--C
11936%
--C
8722%AB-
2818%-bcD
7628%a--D
5730%a--d
15239%ABc-
10424%
-B
20936%
A-
767%
94%--C
165%--C
5111%AB-
347%
--
428%
--
64%
-b-d---
1912%a----FG
1810%-----FG
2013%a----FG
98%
-----F-
11%
-BCD-E--
22%
-BCD---
269%--C
3711%
--C
133%AB-
21%
--cD
155%---D
147%a---
4512%AB--
174%-B
5910%
A-
172%
42%---
31%---
102%---
92%
--
92%
--
10%
-------
43%
-------
63%
-------
42%
-------
33%
-------
--
-------
--
-------
52%---
93%---
31%---
11%----
10%---d
52%----
113%-b--
20%-b
163%a-
61%
21%---
10%---
41%---
20%
--
41%
--
21%
-------
--
-------
21%
-------
21%
-------
10%
-------
--
-------
--
-------
21%---
41%---
10%---
--
----
10%----
11%----
41%----
10%
--
61%
--
293%
62%---
165%--c
82%-b-
173%
--
132%
--
1611%
-BCD-eFG
32%
A------
--
A------
42%
A------
33%
a------
11%
A------
32%
A------
196%-BC
41%A--
72%A--
11%--c-
114%----
95%
a--d
62%--c-
123%
--
163%
--
202%
21%---
20%--C
174%-B-
153%-b
51%a-
118%
-BCD-eF-
--
A-----g
11%
A------
11%
A------
11%
a------
11%
A------
54%
-b-----
114%-b-
31%a--
72%---
53%----
93%----
11%----
62%----
133%
--
71%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:73Page:73
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q53. Which one of these statements best describes how well you are keeping up with your bills and credit commitments at the moment, including those you havepersonally or jointly with your partner\spouse.
Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
A. I am keeping up w ith allbills and commitments w ithout
any diff iculties
B. I am keeping up w ith all billsand commitments, but it is a
struggle from time to time
C. I am keeping up w ith all billsand commitments, but it is a
constant struggle
D. I am falling behind w ithsome bills or credit
commitments
E. I am having real f inancialproblems and have fallenbehind w ith many bills or
credit commitments
Don't know
Prefer not to say
1018 71 64 947 508 8 244 258
1018 70 63 948 515 7 254 241
55354%
1217%
--C
915%
--C
54157%AB-
28054%----
682%----
14758%----
12150%----
31531%
3551%
--C
3556%
--C
28030%AB-
16833%----
118%----
7429%----
7230%----
767%
1622%
--C
1219%
--C
616%AB-
316%---D
--
----
156%---d
2912%A-c-
172%
68%--C
69%--C
121%AB-
102%----
--
----
31%----
42%----
61%
11%---
11%---
51%---
20%----
--
----
31%----
21%----
293%
--
---
--
---
293%---
143%----
--
----
83%----
73%----
202%
--
---
--
---
202%---
92%----
--
----
42%----
73%----
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:74Page:74
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q53. Which one of these statements best describes how well you are keeping up with your bills and credit commitments at the moment, including those you havepersonally or jointly with your partner\spouse.
Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
A. I am keeping up w ith allbills and commitments w ithout
any diff iculties
B. I am keeping up w ith all billsand commitments, but it is a
struggle from time to time
C. I am keeping up w ith all billsand commitments, but it is a
constant struggle
D. I am falling behind w ithsome bills or credit
commitments
E. I am having real f inancialproblems and have fallenbehind w ith many bills or
credit commitments
Don't know
Prefer not to say
1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660
1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653
55354%
17253%--C-E
7850%--C-E
1721%
AB-DE
1748%--C--
26864%
ABC--
16656%
--
38654%
--
54355%
--
1038%
--
36368%-BC-
12037%A---
5140%A---
848%----
13938%
-B
41163%
A-
31531%
12037%----E
4629%--c--
3847%-b--E
1028%-----
10224%
A-C--
8127%
--
23433%
--
30431%
--
1040%
--
11121%-BC-
15146%A--D
5140%A--d
17%
-Bc-
15342%
-B
16225%
A-
767%
216%
-bC--
1912%a---E
1518%
A--dE
--
--c--
215%
-BC--
269%
--
507%
--
737%
--
29%
--
255%
-BCD
3210%A---
1612%A---
425%A---
4212%
-B
345%A-
172%
21%
-----
21%
-----
34%
-----
--
-----
102%
-----
103%-b
71%a-
172%
--
--
--
51%----
72%----
44%----
14%----
103%
--
81%
--
61%
21%
-----
21%
-----
23%
----e
--
-----
--
--c--
21%
--
41%
--
61%
--
--
--
31%----
21%----
11%----
--
----
41%
--
20%
--
293%
62%
---D-
74%
-----
22%
---d-
514%
A-c-E
82%
---D-
31%-b
264%a-
293%
--
--
--
153%----
93%----
22%----
--
----
113%
--
183%
--
202%
10%
--CD-
32%
---d-
46%
A----
410%
Ab--E
82%
---D-
73%
--
132%
--
162%-B
414%
A-
112%---D
41%---D
21%---d
316%ABc-
31%
--
183%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:75Page:75
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q54. And in the last five years have you asked for professional advice or used the services of any organisation which provides advice and support for people havingproblems with debt \ paying their bills?
Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
Yes
No
Don't know
Refused
1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587
1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579
596%
115%---
237%---
266%---
245%
--
357%
--
32%
-Bc----
1812%A----FG
159%a----FG
127%
-----fg
98%
-----fg
11%
-BCd-e--
11%
-BCd-e--
227%--c
278%--C
113%aB-
74%----
124%----
126%----
297%----
184%
--
417%
--
94593%
21895%
---
31591%
---
41293%
---
46594%
--
48092%
--
13696%
-b-----
13687%
a----F-
15891%
-----F-
14692%
-----F-
10590%
-----F-
14499%
-BCD-E--
12095%
-------
27291%
---
30592%
---
36895%
---
15195%----
25994%----
17291%----
35892%----
41095%
--
53092%
--
91%
--
---
82%--c
20%-b-
31%
--
61%
--
21%
-------
11%
-------
--
-------
11%
-------
22%
-------
--
-------
32%
-------
31%---
10%---
51%---
11%----
21%----
32%----
21%----
31%
--
61%
--
40%
10%---
--
---
31%---
20%
--
20%
--
11%
-------
--
-------
--
-------
--
-------
--
-------
--
-------
32%
-------
10%---
--
---
31%---
--
----
21%----
11%----
10%----
21%
--
20%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:76Page:76
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q54. And in the last five years have you asked for professional advice or used the services of any organisation which provides advice and support for people havingproblems with debt \ paying their bills?
Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
Yes
No
Don't know
Refused
1018 71 64 947 508 8 244 258
1018 70 63 948 515 7 254 241
596%
1521%
--C
1220%
--C
455%AB-
316%----
--
----
114%----
177%----
94593%
5579%
--C
5080%
--C
89094%AB-
47793%----
7100%
----
23894%----
22292%----
91%
--
---
--
---
91%---
61%----
--
----
41%----
--
----
40%
--
---
--
---
40%---
10%----
--
----
10%----
21%----
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:77Page:77
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q54. And in the last five years have you asked for professional advice or used the services of any organisation which provides advice and support for people havingproblems with debt \ paying their bills?
Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
Yes
No
Don't know
Refused
1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660
1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653
596%
237%
----e
106%
-----
1114%----E
12%
-----
143%
a-C--
197%
--
406%
--
586%
--
12%
--
173%
-Bc-
3210%A---
118%a---
--
----
277%
--
315%
--
94593%
29792%-----
14693%-----
7086%----E
3698%-----
39695%--C--
27392%
--
67193%
--
91993%
--
2493%
--
50495%-B--
29190%A---
11792%----
17100%
----
33292%
--
61194%
--
91%
41%
-----
10%
-----
--
-----
--
-----
41%
-----
21%
--
71%
--
91%
--
--
--
71%----
21%----
--
----
--
----
31%
--
61%
--
40%
--
-----
11%
-----
--
-----
--
-----
31%
-----
21%
--
20%
--
30%-b
15%a-
31%----
--
----
--
----
--
----
--
--
41%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:78Page:78
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q55. How easy would you find it to raise £200-£300 in an emergency without borrowing?Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
A. Impossible
B. Diff icult
C. Easy
Don't know
Refused
1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587
1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579
889%
2410%
---
206%--c
4410%
-b-
408%
--
489%
--
1813%-----FG
2214%-----FG
1810%-----FG
1610%-----FG
87%
-------
32%
ABCD---
21%
ABCD---
4114%
--C
3410%
--C
133%AB-
32%---D
135%---D
105%---D
6216%
ABC-
164%-B
7212%
A-
30530%
7131%
---
9427%
---
14032%
---
13627%
--
16932%
--
6244%
---DEFG
7347%
---DEFG
6336%----
EFG
4327%
AB---fG
2421%
ABC----
2416%
ABCd---
1512%
ABCD---
13545%-BC
10632%A-C
6316%AB-
1610%-BCD
7025%A--D
5328%A--D
16242%
ABC-
8620%
-B
21537%
A-
58858%
13057%
---
21763%
--c
24154%
-b-
29860%
--
29055%
--
5036%
--CDE-FG
5636%
--CDE-FG
9152%AB-
-EFG
9962%
AB---FG
7968%
ABC----
11479%
ABCD---
9878%
ABCD---
10636%-BC
19057%A-C
29275%AB-
13284%-BCD
18367%A--D
11561%A--D
15339%
ABC-
31673%
-B
26946%
A-
252%
21%---
103%---
123%---
133%
--
112%
--
85%
--cd---
43%
-------
11%
a------
10%
a------
33%
-------
21%
-------
64%
-------
124%-B-
21%A--
113%---
32%----
52%----
63%----
103%----
92%
--
163%
--
131%
31%---
62%---
51%---
82%
--
51%
--
43%
-------
--
------g
--
------g
--
------g
22%
-------
21%
-------
65%
-bcd---
41%---
--
--C
103%-B-
32%----
31%----
52%----
31%----
61%
--
71%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:79Page:79
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q55. How easy would you find it to raise £200-£300 in an emergency without borrowing?Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
A. Impossible
B. Diff icult
C. Easy
Don't know
Refused
1018 71 64 947 508 8 244 258
1018 70 63 948 515 7 254 241
889%
2333%
--C
2133%
--C
657%AB-
408%---d
--
----
166%---d
3213%a-c-
30530%
3245%
--C
2845%
--C
27329%AB-
15730%----
17%----
6124%---D
8736%--C-
58858%
1521%
--C
1320%
--C
57360%AB-
30760%---D
793%---d
16666%---D
10744%AbC-
252%
11%---
11%---
243%---
71%---d
--
----
83%----
104%a---
131%
--
---
--
---
131%---
51%----
--
----
31%----
52%----
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:80Page:80
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q55. How easy would you find it to raise £200-£300 in an emergency without borrowing?Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
A. Impossible
B. Diff icult
C. Easy
Don't know
Refused
1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660
1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653
889%
186%
--C--
159%
--C--
1923%
AB--E
37%
-----
348%
--C--
3411%
--
548%
--
859%
--
27%
--
81%
-BC-
5517%A---
2318%A---
--
----
4412%
-B
447%A-
30530%
10432%--C-E
5032%--c-e
4049%
Ab--E
1850%----E
9122%
AbCD-
7023%
-B
23533%
A-
29430%
--
935%
--
10119%-BCD
13642%A---
5241%A---
955%A---
14741%
-B
15724%
A-
58858%
19661%
--CD-
8755%
--Cde
1923%
AB--E
1335%
Ab--E
27365%
-bCD-
18161%
--
40756%
--
57658%
--
1144%
--
40476%-BCD
11937%A---
5039%A---
745%A---
16445%
-B
42064%
A-
252%
41%
---d-
53%
-----
12%
-----
39%
a----
103%
-----
83%
--
162%
--
202%-B
414%
A-
122%----
93%----
22%----
--
----
41%
--
203%
--
131%
10%
--c--
--
-----
34%
a----
--
-----
92%
-----
52%
--
81%
--
131%
--
--
--
71%----
52%----
--
----
--
----
10%
--
122%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:81Page:81
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q56a. Can you please tell me whether or not you have used any of the following types of credit in the last 12 months?Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
A. Authorised\arrangedoverdraft facility
E. Credit card (not repaidimmediately)
G. Loan from a family member
C. Bank or building societyloan
B. Unauthorised overdraftfacility
D. Credit Union loan
H. Loan from a friend or otheracquaintance
1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587
1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579
15115%
3214%
---
4613%
---
7216%
---
6814%
--
8216%
--
107%
-BCD---
3925%A---EFG
4627%A---EFG
3824%A---EFG
98%
-BCD---
64%
-BCD---
22%
-BCD---
4916%-BC
8425%A-C
185%AB-
2113%----
5219%---D
3418%---d
4311%-Bc-
7317%
--
7813%
--
929%
136%---
3410%
---
4510%
---
5010%
--
428%
--
43%
-BCD---
2113%A---efG
2917%A---EFG
2415%A---EFG
54%
-bCD---
64%
-bCD---
43%
-BCD---
248%-Bc
5316%A-C
154%aB-
2415%---D
2810%---d
2010%---d
205%
Abc-
5212%
-B
397%A-
858%
2310%
---
247%---
378%---
337%
--
5210%
--
1611%----
EFG
2315%
---dEFG
3118%
---DEFG
106%
-bC-e-g
11%
ABCd---
32%
ABC----
--
ABCd---
3913%
--C
4112%
--C
41%AB-
128%----
156%---d
148%----
4311%-b--
276%-b
5810%
a-
364%
42%-b-
195%a--
143%---
204%
--
163%
--
21%
-b-----
128%a----fG
53%
-------
107%
-----fg
43%
-------
21%
-b-d---
11%
-B-d---
145%--c
165%--c
62%ab-
53%----
124%----
74%----
123%----
174%
--
193%
--
192%
10%---
51%---
133%---
102%
--
92%
--
21%
-------
75%
--c--fg
--
-b-d---
64%
--c--f-
33%
-------
--
-b-d---
--
-b-----
93%---
62%---
31%---
--
----
31%----
63%----
92%----
31%
--
153%
--
182%
31%---
52%---
102%---
92%
--
92%
--
22%
-------
85%
-----f-
42%
-------
21%
-------
22%
-------
--
-b-----
11%
-------
103%--c
62%---
31%a--
--
---d
31%----
31%----
133%a---
31%-b
163%a-
182%
83%---
31%---
72%---
92%
--
102%
--
22%
-------
85%
---defg
74%
-----f-
11%
-b-----
--
-b-----
--
-bc----
--
-b-----
103%--C
82%--C
--
AB-
11%----
10%---d
21%----
144%-b--
21%-b
163%a-
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:82Page:82
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q56a. Can you please tell me whether or not you have used any of the following types of credit in the last 12 months?Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
F. Store card (not repaidimmediately)
I. Pay day loan company (e.g.Wonga, QuickQuid)
J. Guarantor loan (e.g. Amigoloan)
K. None of these
L. Refused
1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587
1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579
162%
42%---
62%---
61%---
71%
--
92%
--
11%
-------
64%
-----f-
74%
-----f-
11%
-------
11%
-------
--
-bc----
--
-------
72%--c
82%--c
10%ab-
11%----
21%----
63%----
72%----
31%
--
132%
--
121%
52%---
21%---
51%---
41%
--
81%
--
21%
-------
53%
-------
53%
-------
10%
-------
--
-------
--
-------
--
-------
72%--c
52%--c
--
ab-
--
----
21%----
21%----
82%----
20%
--
102%
--
30%
10%---
10%---
10%---
10%
--
20%
--
--
-------
21%
-------
--
-------
--
-------
11%
-------
--
-------
--
-------
21%---
--
---
10%---
--
----
--
----
21%----
10%----
--
--
31%
--
68667%
15668%
---
23267%
---
29867%
---
34570%
--
34165%
--
10977%
-BCD--G
7649%
A--dEFG
8247%
A--dEFG
9660%Abc-eFG
8674%
-BCd-fG
12485%
-BCD-e--
11491%
ABCD-E--
18462%-bC
17853%a-C
32484%AB-
11573%----
18768%----
11963%----
26167%----
30270%
--
38066%
--
263%
73%---
103%---
92%---
112%
--
153%
--
22%
-------
21%
-------
32%
-------
21%
-------
66%
-------
64%
-------
54%
-------
52%---
52%---
174%---
22%----
52%----
63%----
123%----
72%
--
183%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:83Page:83
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q56a. Can you please tell me whether or not you have used any of the following types of credit in the last 12 months?Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
A. Authorised\arrangedoverdraft facility
E. Credit card (not repaidimmediately)
G. Loan from a family member
C. Bank or building societyloan
B. Unauthorised overdraftfacility
D. Credit Union loan
H. Loan from a friend or otheracquaintance
F. Store card (not repaidimmediately)
1018 71 64 947 508 8 244 258
1018 70 63 948 515 7 254 241
15115%
1927%
--C
1728%
--C
13214%AB-
7414%--c-
336%----
5221%a--D
229%--C-
929%
811%
---
812%
---
859%---
347%
-BC-
343%A--D
4116%A--D
146%
-BC-
858%
2232%
--C
2032%
--C
627%AB-
449%----
--
----
229%----
198%----
364%
34%---
34%---
334%---
112%--C-
--
----
198%
A--d
63%--c-
192%
58%--C
46%--c
131%Ab-
51%----
--
----
73%----
73%----
182%
46%--c
47%--C
141%aB-
82%----
--
----
52%----
52%----
182%
1116%
--C
915%
--C
71%AB-
71%----
--
----
31%----
83%----
162%
57%--C
58%--C
111%AB-
61%----
--
----
83%----
21%----
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:84Page:84
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q56a. Can you please tell me whether or not you have used any of the following types of credit in the last 12 months?Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
I. Pay day loan company (e.g.Wonga, QuickQuid)
J. Guarantor loan (e.g. Amigoloan)
K. None of these
L. Refused
1018 71 64 947 508 8 244 258
1018 70 63 948 515 7 254 241
121%
1217%
--C
1219%
--C
--
AB-
82%----
--
----
--
----
42%----
30%
35%--C
12%---
--
A--
20%----
--
----
--
----
10%----
68667%
1826%
--C
1829%
--C
66870%AB-
36170%--C-
457%----
15360%A--d
16769%--c-
263%
--
---
--
---
263%---
173%----
--
----
52%----
42%----
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:85Page:85
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q56a. Can you please tell me whether or not you have used any of the following types of credit in the last 12 months?Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
A. Authorised\arrangedoverdraft facility
E. Credit card (not repaidimmediately)
G. Loan from a family member
C. Bank or building societyloan
B. Unauthorised overdraftfacility
D. Credit Union loan
H. Loan from a friend or otheracquaintance
F. Store card (not repaidimmediately)
1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660
1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653
15115%
8827%
--cDE
3019%----E
1114%a---E
25%
A----
195%
ABC--
238%-B
12818%
A-
14014%
-b
832%
a-
8215%----
3912%--c-
2620%-b--
318%----
7721%
-B
7311%
A-
929%
5216%--c-E
1610%----e
56%
a----
14%
-----
184%
Ab---
186%-b
7510%
a-
899%
--
27%
--
6011%-B--
124%
A-C-
1714%-B--
215%----
5214%
-B
406%A-
858%
289%
--c-e
2214%----E
1417%a---E
26%
-----
194%
aBC--
238%
--
619%
--
859%
--
--
--
275%
-bC-
3210%a-c-
2217%Ab--
315%----
5214%
-B
325%A-
364%
248%
----E
53%
-----
11%
-----
--
-----
61%
A----
114%
--
264%
--
354%
--
13%
--
224%----
93%----
54%----
--
----
195%-b
173%a-
192%
82%
-----
53%
-----
34%
-----
--
-----
41%
-----
103%-b
91%a-
192%
--
--
--
92%----
52%----
54%----
--
----
82%
--
112%
--
182%
62%
-----
21%
-----
56%
----e
--
-----
61%
--c--
72%
--
122%
--
162%
--
28%
--
61%--C-
62%----
75%
A---
--
----
93%
--
91%
--
182%
21%
-----
22%
-----
34%
-----
12%
-----
102%
-----
83%
--
111%
--
182%
--
12%
--
10%
-BC-
103%
A---
75%
A---
14%----
144%-B
41%A-
162%
72%
-----
32%
-----
11%
-----
--
-----
41%
-----
21%
--
132%
--
162%
--
--
--
61%---D
41%---D
43%----
215%AB--
123%-B
41%A-
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:86Page:86
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q56a. Can you please tell me whether or not you have used any of the following types of credit in the last 12 months?Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
I. Pay day loan company (e.g.Wonga, QuickQuid)
J. Guarantor loan (e.g. Amigoloan)
K. None of these
L. Refused
1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660
1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653
121%
31%
-----
11%
-----
45%
----e
--
-----
41%
--c--
31%
--
91%
--
121%
--
--
--
--
-BC-
62%
A---
65%
A---
--
----
103%-B
20%A-
30%
21%
-----
--
-----
11%
-----
--
-----
--
-----
10%
--
20%
--
20%-b
15%a-
10%----
21%----
--
----
--
----
--
--
30%
--
68667%
17955%---DE
9762%---dE
4555%---DE
3185%
AbC--
33280%
ABC--
21171%
--
47466%
--
67168%
--
1452%
--
37871%--C-
22168%--C-
6349%AB--
956%----
19153%
-B
49275%
A-
263%
41%
-----
43%
-----
33%
-----
12%
-----
154%
-----
103%
--
172%
--
242%
--
27%
--
112%----
124%----
22%----
--
----
62%
--
203%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:87Page:87
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q56b. And which of the following types of credit have you used in the last 12 months?Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
P. Mail Order catalogue \ clubbook
R. Other retail credit - e.g. viaa retailer to buy furniture,
mobile phone
Q. Hire purchase\ buyinggoods on f inance (e.g.
BrightHouse, Pay-as-you-view )
M. Home Credit \ DoorstepLoan (company collects
payments from home e.g.Provident)
T. DWP crisis loan or SocialFund loan\loan from ‘the
Social’
V. Any other source of credit\loan (please specify)
N. Paw nbrokers (w here youborrow money & leave goods
e.g. Cash Converters)
1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587
1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579
656%
2611%-Bc
134%A--
266%a--
184%-B
479%A-
43%
--C----
106%
--c---g
2515%
Ab-d-FG
117%
--c---g
87%
-------
64%
--C----
11%
-bCd---
145%-B-
3611%A-C
154%-B-
43%
--cd
156%----
158%a---
318%a---
205%-b
468%a-
505%
104%---
134%---
286%---
245%
--
265%
--
64%
-------
96%
-------
148%
------g
106%
-------
44%
-------
53%
-------
22%
--c----
155%---
247%--c
113%-b-
96%----
207%---D
126%---d
102%
-Bc-
297%
--
224%
--
333%
84%---
134%---
123%---
194%
--
143%
--
32%
--c----
96%
------g
148%a---efG
53%
-------
11%
--c----
21%
--c----
--
-bC----
124%--C
196%--C
21%AB-
64%----
62%----
95%----
123%----
123%
--
214%
--
273%
94%---
41%---
133%---
92%
--
183%
--
32%
-------
64%
-------
63%
-------
74%
------g
43%
-------
11%
-------
--
---d---
103%---
124%--c
41%-b-
11%---d
10%---D
10%---D
246%
aBC-
21%-B
244%A-
121%
42%---
10%---
82%---
51%
--
82%
--
21%
-------
32%
-------
21%
-------
32%
-------
22%
-------
--
-------
11%
-------
52%---
52%---
31%---
--
----
--
---d
32%----
92%-b--
--
-B
122%A-
111%
21%---
31%---
61%---
51%
--
71%
--
10%
-------
11%
-------
74%
---d---
--
--c----
22%
-------
11%
-------
--
-------
21%---
72%---
31%---
42%----
52%----
--
----
31%----
92%
--
30%
--
61%
31%---
10%---
10%---
20%
--
31%
--
--
-------
11%
-------
31%
-------
10%
-------
11%
-------
--
-------
--
-------
10%---
31%---
10%---
--
----
--
----
11%----
51%----
--
--
61%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:88Page:88
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q56b. And which of the following types of credit have you used in the last 12 months?Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
U. Interest-free loan fromCouncil or Job Centre
O. Log Book Loan (w hereyou borrow money against
the value of your vehicle)
S. Local lender (unoff icial)\orunlicensed lender (‘loan
shark’)
W. None of these
X. Refused
1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587
1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579
30%
10%---
--
---
21%---
20%
--
10%
--
22%
-------
10%
-------
--
-------
--
-------
--
-------
--
-------
--
-------
31%---
--
---
--
---
--
----
10%----
10%----
20%----
10%
--
20%
--
20%
--
---
--
---
20%---
20%
--
--
--
--
-------
11%
-------
--
-------
--
-------
11%
-------
--
-------
--
-------
10%---
--
---
10%---
--
----
21%----
--
----
--
----
20%
--
--
--
10%
--
---
--
---
10%---
--
--
10%
--
--
-------
--
-------
--
-------
--
-------
11%
-------
--
-------
--
-------
--
---
--
---
10%---
--
----
--
----
--
----
10%----
--
--
10%
--
80879%
17375%
-B-
29385%A-c
34277%
-b-
41183%
-B
39876%
A-
12085%
-bC----
11574%a----FG
11164%
A--DeFG
12981%
--C---G
9178%
--c---G
12686%
-BC----
11793%
-BCD-E--
23579%
--c
24072%
--C
33386%aB-
13686%--cD
22582%----
14677%a---
29676%A---
36284%
-B
44176%
A-
303%
63%---
113%---
133%---
123%
--
173%
--
43%
-------
43%
-------
32%
-------
21%
-------
65%
-------
64%
-------
54%
-------
83%---
52%---
164%---
22%----
52%----
74%----
144%----
82%
--
214%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:89Page:89
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q56b. And which of the following types of credit have you used in the last 12 months?Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
P. Mail Order catalogue \ clubbook
R. Other retail credit - e.g. viaa retailer to buy furniture,
mobile phone
Q. Hire purchase\ buyinggoods on f inance (e.g.
BrightHouse, Pay-as-you-view )
M. Home Credit \ DoorstepLoan (company collects
payments from home e.g.Provident)
T. DWP crisis loan or SocialFund loan\loan from ‘the
Social’
V. Any other source of credit\loan (please specify)
N. Paw nbrokers (w here youborrow money & leave goods
e.g. Cash Converters)
U. Interest-free loan fromCouncil or Job Centre
1018 71 64 947 508 8 244 258
1018 70 63 948 515 7 254 241
656%
1419%
--C
1220%
--C
525%AB-
418%----
--
----
114%----
135%----
505%
45%---
46%---
475%---
245%----
--
----
197%----
83%----
333%
3348%
--C
3353%
--C
--
AB-
183%----
--
----
42%----
125%----
273%
2738%
--C
2742%
--C
--
AB-
133%----
--
----
31%---d
104%--c-
121%
58%--C
58%--C
71%AB-
82%----
--
----
10%----
31%----
111%
11%---
11%---
101%---
41%----
--
----
52%----
21%----
61%
68%--C
34%--C
--
AB-
41%----
--
----
10%----
10%----
30%
11%---
11%---
20%---
20%----
--
----
--
----
10%----
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:90Page:90
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q56b. And which of the following types of credit have you used in the last 12 months?Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
O. Log Book Loan (w hereyou borrow money against
the value of your vehicle)
S. Local lender (unoff icial)\orunlicensed lender (‘loan
shark’)
W. None of these
X. Refused
1018 71 64 947 508 8 244 258
1018 70 63 948 515 7 254 241
20%
23%--C
--
---
--
A--
10%----
--
----
--
----
10%----
10%
11%---
11%---
--
---
--
----
--
----
--
----
10%----
80879%
23%--C
12%--C
80685%AB-
39877%----
7100%
----
21083%----
19380%----
303%
--
---
--
---
303%---
204%----
--
----
52%----
52%----
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:91Page:91
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q56b. And which of the following types of credit have you used in the last 12 months?Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
P. Mail Order catalogue \ clubbook
R. Other retail credit - e.g. viaa retailer to buy furniture,
mobile phone
Q. Hire purchase\ buyinggoods on f inance (e.g.
BrightHouse, Pay-as-you-view )
M. Home Credit \ DoorstepLoan (company collects
payments from home e.g.Provident)
T. DWP crisis loan or SocialFund loan\loan from ‘the
Social’
V. Any other source of credit\loan (please specify)
N. Paw nbrokers (w here youborrow money & leave goods
e.g. Cash Converters)
U. Interest-free loan fromCouncil or Job Centre
1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660
1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653
656%
216%
-b---
2013%a---E
45%
-----
12%
-----
195%
-B---
134%
--
527%
--
636%
--
28%
--
285%----
289%----
97%----
--
----
319%
--
345%
--
505%
319%
--c-E
85%
-----
11%
a----
--
-----
113%
A----
83%-b
426%a-
495%
--
15%
--
326%----
113%----
54%----
315%----
277%-b
234%a-
333%
154%
-----
53%
-----
23%
-----
--
-----
113%
-----
83%
--
254%
--
333%
--
--
--
102%-B--
196%
A---
43%----
14%----
278%-B
61%A-
273%
31%
--C--
32%
--c--
79%
Ab---
--
-----
143%
-----
155%-B
112%A-
273%
--
--
--
10%
-BC-
144%
A---
118%
A---
--
----
175%-B
102%A-
121%
--
--C-e
10%
-----
45%
A----
--
-----
82%
a----
62%
--
71%
--
121%
--
--
--
20%-b--
72%a---
33%----
--
----
92%-b
41%a-
111%
72%
-----
21%
-----
--
-----
--
-----
31%
-----
21%
--
91%
--
111%
--
--
--
92%----
20%----
11%----
--
----
72%
--
41%
--
61%
10%
-----
11%
-----
--
-----
12%
-----
31%
-----
31%
--
20%
--
50%
--
12%
--
10%----
21%----
22%----
--
----
20%
--
41%
--
30%
10%
-----
11%
-----
11%
-----
--
-----
10%
-----
10%
--
20%
--
30%
--
--
--
--
----
20%----
21%----
--
----
10%
--
20%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:92Page:92
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q56b. And which of the following types of credit have you used in the last 12 months?Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
O. Log Book Loan (w hereyou borrow money against
the value of your vehicle)
S. Local lender (unoff icial)\orunlicensed lender (‘loan
shark’)
W. None of these
X. Refused
1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660
1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653
20%
10%
-----
--
-----
11%
-----
--
-----
--
-----
21%
--
--
--
20%
--
--
--
10%----
--
----
--
----
16%----
--
--
20%
--
10%
--
-----
--
-----
--
-----
--
-----
10%
-----
10%
--
--
--
10%
--
--
--
--
----
10%----
--
----
--
----
--
--
10%
--
80879%
24876%---de
11674%---de
6074%---d-
3494%
abc--
34884%ab---
24181%
--
56679%
--
78579%
--
2077%
--
43983%-b--
24576%a---
9675%----
1169%----
25671%
-B
54984%
A-
303%
72%
-----
43%
-----
45%
-----
12%
-----
154%
-----
93%
--
213%
--
283%
--
27%
--
132%----
134%----
22%----
16%----
72%
--
223%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:93Page:93
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q56a/b. Which of the following types of credit have you used in the last 12 months?Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
A. Authorised\arrangedoverdraft facility
E. Credit card (not repaidimmediately)
G. Loan from a family member
P. Mail Order catalogue \ clubbook
R. Other retail credit - e.g. viaa retailer to buy furniture,
mobile phone
C. Bank or building societyloan
1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587
1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579
15115%
3214%
---
4613%
---
7216%
---
6814%
--
8216%
--
107%
-BCD---
3925%A---EFG
4627%A---EFG
3824%A---EFG
98%
-BCD---
64%
-BCD---
22%
-BCD---
4916%-BC
8425%A-C
185%AB-
2113%----
5219%---D
3418%---d
4311%-Bc-
7317%
--
7813%
--
929%
136%---
3410%
---
4510%
---
5010%
--
428%
--
43%
-BCD---
2113%A---efG
2917%A---EFG
2415%A---EFG
54%
-bCD---
64%
-bCD---
43%
-BCD---
248%-Bc
5316%A-C
154%aB-
2415%---D
2810%---d
2010%---d
205%
Abc-
5212%
-B
397%A-
858%
2310%
---
247%---
378%---
337%
--
5210%
--
1611%----
EFG
2315%
---dEFG
3118%
---DEFG
106%
-bC-e-g
11%
ABCd---
32%
ABC----
--
ABCd---
3913%
--C
4112%
--C
41%AB-
128%----
156%---d
148%----
4311%-b--
276%-b
5810%
a-
656%
2611%-Bc
134%A--
266%a--
184%-B
479%A-
43%
--C----
106%
--c---g
2515%
Ab-d-FG
117%
--c---g
87%
-------
64%
--C----
11%
-bCd---
145%-B-
3611%A-C
154%-B-
43%
--cd
156%----
158%a---
318%a---
205%-b
468%a-
505%
104%---
134%---
286%---
245%
--
265%
--
64%
-------
96%
-------
148%
------g
106%
-------
44%
-------
53%
-------
22%
--c----
155%---
247%--c
113%-b-
96%----
207%---D
126%---d
102%
-Bc-
297%
--
224%
--
364%
42%-b-
195%a--
143%---
204%
--
163%
--
21%
-b-----
128%a----fG
53%
-------
107%
-----fg
43%
-------
21%
-b-d---
11%
-B-d---
145%--c
165%--c
62%ab-
53%----
124%----
74%----
123%----
174%
--
193%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:94Page:94
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q56a/b. Which of the following types of credit have you used in the last 12 months?Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
Q. Hire purchase\ buyinggoods on f inance (e.g.
BrightHouse, Pay-as-you-view )
M. Home Credit \ DoorstepLoan (company collects
payments from home e.g.Provident)
B. Unauthorised overdraftfacility
D. Credit Union loan
H. Loan from a friend or otheracquaintance
F. Store card (not repaidimmediately)
T. DWP crisis loan or SocialFund loan\loan from ‘the
Social’
1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587
1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579
333%
84%---
134%---
123%---
194%
--
143%
--
32%
--c----
96%
------g
148%a---efG
53%
-------
11%
--c----
21%
--c----
--
-bC----
124%--C
196%--C
21%AB-
64%----
62%----
95%----
123%----
123%
--
214%
--
273%
94%---
41%---
133%---
92%
--
183%
--
32%
-------
64%
-------
63%
-------
74%
------g
43%
-------
11%
-------
--
---d---
103%---
124%--c
41%-b-
11%---d
10%---D
10%---D
246%
aBC-
21%-B
244%A-
192%
10%---
51%---
133%---
102%
--
92%
--
21%
-------
75%
--c--fg
--
-b-d---
64%
--c--f-
33%
-------
--
-b-d---
--
-b-----
93%---
62%---
31%---
--
----
31%----
63%----
92%----
31%
--
153%
--
182%
31%---
52%---
102%---
92%
--
92%
--
22%
-------
85%
-----f-
42%
-------
21%
-------
22%
-------
--
-b-----
11%
-------
103%--c
62%---
31%a--
--
---d
31%----
31%----
133%a---
31%-b
163%a-
182%
83%---
31%---
72%---
92%
--
102%
--
22%
-------
85%
---defg
74%
-----f-
11%
-b-----
--
-b-----
--
-bc----
--
-b-----
103%--C
82%--C
--
AB-
11%----
10%---d
21%----
144%-b--
21%-b
163%a-
162%
42%---
62%---
61%---
71%
--
92%
--
11%
-------
64%
-----f-
74%
-----f-
11%
-------
11%
-------
--
-bc----
--
-------
72%--c
82%--c
10%ab-
11%----
21%----
63%----
72%----
31%
--
132%
--
121%
42%---
10%---
82%---
51%
--
82%
--
21%
-------
32%
-------
21%
-------
32%
-------
22%
-------
--
-------
11%
-------
52%---
52%---
31%---
--
----
--
---d
32%----
92%-b--
--
-B
122%A-
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:95Page:95
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q56a/b. Which of the following types of credit have you used in the last 12 months?Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
I. Pay day loan company (e.g.Wonga, QuickQuid)
V. Any other source of credit\loan (please specify)
N. Paw nbrokers (w here youborrow money & leave goods
e.g. Cash Converters)
U. Interest-free loan fromCouncil or Job Centre
J. Guarantor loan (e.g. Amigoloan)
O. Log Book Loan (w hereyou borrow money against
the value of your vehicle)
S. Local lender (unoff icial)\orunlicensed lender (‘loan
shark’)
W. None of these
1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587
1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579
121%
52%---
21%---
51%---
41%
--
81%
--
21%
-------
53%
-------
53%
-------
10%
-------
--
-------
--
-------
--
-------
72%--c
52%--c
--
ab-
--
----
21%----
21%----
82%----
20%
--
102%
--
111%
21%---
31%---
61%---
51%
--
71%
--
10%
-------
11%
-------
74%
---d---
--
--c----
22%
-------
11%
-------
--
-------
21%---
72%---
31%---
42%----
52%----
--
----
31%----
92%
--
30%
--
61%
31%---
10%---
10%---
20%
--
31%
--
--
-------
11%
-------
31%
-------
10%
-------
11%
-------
--
-------
--
-------
10%---
31%---
10%---
--
----
--
----
11%----
51%----
--
--
61%
--
30%
10%---
--
---
21%---
20%
--
10%
--
22%
-------
10%
-------
--
-------
--
-------
--
-------
--
-------
--
-------
31%---
--
---
--
---
--
----
10%----
10%----
20%----
10%
--
20%
--
30%
10%---
10%---
10%---
10%
--
20%
--
--
-------
21%
-------
--
-------
--
-------
11%
-------
--
-------
--
-------
21%---
--
---
10%---
--
----
--
----
21%----
10%----
--
--
31%
--
20%
--
---
--
---
20%---
20%
--
--
--
--
-------
11%
-------
--
-------
--
-------
11%
-------
--
-------
--
-------
10%---
--
---
10%---
--
----
21%----
--
----
--
----
20%
--
--
--
10%
--
---
--
---
10%---
--
--
10%
--
--
-------
--
-------
--
-------
--
-------
11%
-------
--
-------
--
-------
--
---
--
---
10%---
--
----
--
----
--
----
10%----
--
--
10%
--
61260%
12856%
---
21763%
---
26760%
---
31564%
-b
29757%
a-
9869%
-BCD--G
6642%A---EFG
6537%
A--DEFG
8453%A-C--FG
7464%-BC--fG
11478%
-BCD-e--
11188%
ABCD-E--
16555%-bC
14945%a-C
29977%AB-
10969%--cd
16961%----
10455%a---
22658%a---
27764%
-b
33157%
a-
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:96Page:96
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q56a/b. Which of the following types of credit have you used in the last 12 months?Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
X. Refused
ANY HIGH COST CREDITUSER (Q,M,.I,N,J,O,S)
HIGH COST CREDIT USER OFINTEREST (Q,M,I)
NO HIGH COST CREDIT (NOTQ,M,.I,N,J,O,S)
1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587
1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579
313%
73%---
113%---
133%---
133%
--
173%
--
43%
-------
43%
-------
32%
-------
21%
-------
76%
-------
64%
-------
54%
-------
83%---
52%--c
174%-b-
22%----
52%----
74%----
154%----
82%
--
224%
--
--
--
---
--
---
--
---
--
--
--
--
--
-------
--
-------
--
-------
--
-------
--
-------
--
-------
--
-------
--
---
--
---
--
---
--
----
--
----
--
----
--
----
--
--
--
--
707%
209%---
196%---
317%---
316%
--
397%
--
64%
-Bc----
2214%A---eFG
2212%a----FG
128%
-----fG
65%
-b----g
22%
-BCd---
--
-BCD-e--
279%--C
3410%
--C
92%AB-
64%---d
104%---D
147%----
4010%aB--
164%-B
549%A-
636%
188%---
185%---
276%---
275%
--
367%
--
64%
-bc----
1711%a----FG
2112%a---eFG
128%
-----fG
44%
--c----
22%
-BCd---
--
-BCD---
238%--C
3310%
--C
72%AB-
64%---d
83%---D
116%----
3710%aB--
143%-B
498%A-
94893%
21091%
---
32794%
---
41293%
---
46494%
--
48593%
--
13696%
-Bc----
13486%A---eFG
15288%a----FG
14792%
-----fG
11095%
-b----g
14398%
-BCd---
126100%-BCD-
e--
27191%
--C
29990%
--C
37998%AB-
15296%---d
26596%---D
17593%----
35090%aB--
41796%
-B
52591%
A-
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:97Page:97
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q56a/b. Which of the following types of credit have you used in the last 12 months?Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
A. Authorised\arrangedoverdraft facility
E. Credit card (not repaidimmediately)
G. Loan from a family member
P. Mail Order catalogue \ clubbook
R. Other retail credit - e.g. viaa retailer to buy furniture,
mobile phone
C. Bank or building societyloan
Q. Hire purchase\ buyinggoods on f inance (e.g.
BrightHouse, Pay-as-you-view )
M. Home Credit \ DoorstepLoan (company collects
payments from home e.g.Provident)
1018 71 64 947 508 8 244 258
1018 70 63 948 515 7 254 241
15115%
1927%
--C
1728%
--C
13214%AB-
7414%--c-
336%----
5221%a--D
229%--C-
929%
811%
---
812%
---
859%---
347%
-BC-
343%A--D
4116%A--D
146%
-BC-
858%
2232%
--C
2032%
--C
627%AB-
449%----
--
----
229%----
198%----
656%
1419%
--C
1220%
--C
525%AB-
418%----
--
----
114%----
135%----
505%
45%---
46%---
475%---
245%----
--
----
197%----
83%----
364%
34%---
34%---
334%---
112%--C-
--
----
198%
A--d
63%--c-
333%
3348%
--C
3353%
--C
--
AB-
183%----
--
----
42%----
125%----
273%
2738%
--C
2742%
--C
--
AB-
133%----
--
----
31%---d
104%--c-
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:98Page:98
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q56a/b. Which of the following types of credit have you used in the last 12 months?Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
B. Unauthorised overdraftfacility
D. Credit Union loan
H. Loan from a friend or otheracquaintance
F. Store card (not repaidimmediately)
T. DWP crisis loan or SocialFund loan\loan from ‘the
Social’
I. Pay day loan company (e.g.Wonga, QuickQuid)
V. Any other source of credit\loan (please specify)
N. Paw nbrokers (w here youborrow money & leave goods
e.g. Cash Converters)
1018 71 64 947 508 8 244 258
1018 70 63 948 515 7 254 241
192%
58%--C
46%--c
131%Ab-
51%----
--
----
73%----
73%----
182%
46%--c
47%--C
141%aB-
82%----
--
----
52%----
52%----
182%
1116%
--C
915%
--C
71%AB-
71%----
--
----
31%----
83%----
162%
57%--C
58%--C
111%AB-
61%----
--
----
83%----
21%----
121%
58%--C
58%--C
71%AB-
82%----
--
----
10%----
31%----
121%
1217%
--C
1219%
--C
--
AB-
82%----
--
----
--
----
42%----
111%
11%---
11%---
101%---
41%----
--
----
52%----
21%----
61%
68%--C
34%--C
--
AB-
41%----
--
----
10%----
10%----
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:99Page:99
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q56a/b. Which of the following types of credit have you used in the last 12 months?Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
U. Interest-free loan fromCouncil or Job Centre
J. Guarantor loan (e.g. Amigoloan)
O. Log Book Loan (w hereyou borrow money against
the value of your vehicle)
S. Local lender (unoff icial)\orunlicensed lender (‘loan
shark’)
W. None of these
X. Refused
ANY HIGH COST CREDITUSER (Q,M,.I,N,J,O,S)
1018 71 64 947 508 8 244 258
1018 70 63 948 515 7 254 241
30%
11%---
11%---
20%---
20%----
--
----
--
----
10%----
30%
35%--C
12%---
--
A--
20%----
--
----
--
----
10%----
20%
23%--C
--
---
--
A--
10%----
--
----
--
----
10%----
10%
11%---
11%---
--
---
--
----
--
----
--
----
10%----
61260%
--
--C
--
--C
61265%AB-
31962%----
457%----
14055%----
14962%----
313%
--
---
--
---
313%---
214%----
--
----
52%----
52%----
--
--
---
--
---
--
---
--
----
--
----
--
----
--
----
707%
70100%
--C
63100%
--C
--
AB-
387%--c-
--
----
73%
a--D
2611%--C-
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:100Page:100
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q56a/b. Which of the following types of credit have you used in the last 12 months?Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
HIGH COST CREDIT USER OFINTEREST (Q,M,I)
NO HIGH COST CREDIT (NOTQ,M,.I,N,J,O,S)
1018 71 64 947 508 8 244 258
1018 70 63 948 515 7 254 241
636%
6390%-bC
63100%
a-C
--
AB-
326%--c-
--
----
73%
a--D
2410%--C-
94893%
--
--C
--
--C
948100%
AB-
47893%--c-
7100%
----
24797%a--D
21689%--C-
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:101Page:101
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q56a/b. Which of the following types of credit have you used in the last 12 months?Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
A. Authorised\arrangedoverdraft facility
E. Credit card (not repaidimmediately)
G. Loan from a family member
P. Mail Order catalogue \ clubbook
R. Other retail credit - e.g. viaa retailer to buy furniture,
mobile phone
C. Bank or building societyloan
Q. Hire purchase\ buyinggoods on f inance (e.g.
BrightHouse, Pay-as-you-view )
M. Home Credit \ DoorstepLoan (company collects
payments from home e.g.Provident)
1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660
1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653
15115%
8827%
--cDE
3019%----E
1114%a---E
25%
A----
195%
ABC--
238%-B
12818%
A-
14014%
-b
832%
a-
8215%----
3912%--c-
2620%-b--
318%----
7721%
-B
7311%
A-
929%
5216%--c-E
1610%----e
56%
a----
14%
-----
184%
Ab---
186%-b
7510%
a-
899%
--
27%
--
6011%-B--
124%
A-C-
1714%-B--
215%----
5214%
-B
406%A-
858%
289%
--c-e
2214%----E
1417%a---E
26%
-----
194%
aBC--
238%
--
619%
--
859%
--
--
--
275%
-bC-
3210%a-c-
2217%Ab--
315%----
5214%
-B
325%A-
656%
216%
-b---
2013%a---E
45%
-----
12%
-----
195%
-B---
134%
--
527%
--
636%
--
28%
--
285%----
289%----
97%----
--
----
319%
--
345%
--
505%
319%
--c-E
85%
-----
11%
a----
--
-----
113%
A----
83%-b
426%a-
495%
--
15%
--
326%----
113%----
54%----
315%----
277%-b
234%a-
364%
248%
----E
53%
-----
11%
-----
--
-----
61%
A----
114%
--
264%
--
354%
--
13%
--
224%----
93%----
54%----
--
----
195%-b
173%a-
333%
154%
-----
53%
-----
23%
-----
--
-----
113%
-----
83%
--
254%
--
333%
--
--
--
102%-B--
196%
A---
43%----
14%----
278%-B
61%A-
273%
31%
--C--
32%
--c--
79%
Ab---
--
-----
143%
-----
155%-B
112%A-
273%
--
--
--
10%
-BC-
144%
A---
118%
A---
--
----
175%-B
102%A-
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:102Page:102
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q56a/b. Which of the following types of credit have you used in the last 12 months?Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
B. Unauthorised overdraftfacility
D. Credit Union loan
H. Loan from a friend or otheracquaintance
F. Store card (not repaidimmediately)
T. DWP crisis loan or SocialFund loan\loan from ‘the
Social’
I. Pay day loan company (e.g.Wonga, QuickQuid)
V. Any other source of credit\loan (please specify)
N. Paw nbrokers (w here youborrow money & leave goods
e.g. Cash Converters)
1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660
1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653
192%
82%
-----
53%
-----
34%
-----
--
-----
41%
-----
103%-b
91%a-
192%
--
--
--
92%----
52%----
54%----
--
----
82%
--
112%
--
182%
62%
-----
21%
-----
56%
----e
--
-----
61%
--c--
72%
--
122%
--
162%
--
28%
--
61%--C-
62%----
75%
A---
--
----
93%
--
91%
--
182%
21%
-----
22%
-----
34%
-----
12%
-----
102%
-----
83%
--
111%
--
182%
--
12%
--
10%
-BC-
103%
A---
75%
A---
14%----
144%-B
41%A-
162%
72%
-----
32%
-----
11%
-----
--
-----
41%
-----
21%
--
132%
--
162%
--
--
--
61%---D
41%---D
43%----
215%AB--
123%-B
41%A-
121%
--
--C-e
10%
-----
45%
A----
--
-----
82%
a----
62%
--
71%
--
121%
--
--
--
20%-b--
72%a---
33%----
--
----
92%-b
41%a-
121%
31%
-----
11%
-----
45%
----e
--
-----
41%
--c--
31%
--
91%
--
121%
--
--
--
--
-BC-
62%
A---
65%
A---
--
----
103%-B
20%A-
111%
72%
-----
21%
-----
--
-----
--
-----
31%
-----
21%
--
91%
--
111%
--
--
--
92%----
20%----
11%----
--
----
72%
--
41%
--
61%
10%
-----
11%
-----
--
-----
12%
-----
31%
-----
31%
--
20%
--
50%
--
12%
--
10%----
21%----
22%----
--
----
20%
--
41%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:103Page:103
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q56a/b. Which of the following types of credit have you used in the last 12 months?Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
U. Interest-free loan fromCouncil or Job Centre
J. Guarantor loan (e.g. Amigoloan)
O. Log Book Loan (w hereyou borrow money against
the value of your vehicle)
S. Local lender (unoff icial)\orunlicensed lender (‘loan
shark’)
W. None of these
X. Refused
ANY HIGH COST CREDITUSER (Q,M,.I,N,J,O,S)
1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660
1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653
30%
10%
-----
11%
-----
11%
-----
--
-----
10%
-----
10%
--
20%
--
30%
--
--
--
--
----
20%----
21%----
--
----
10%
--
20%
--
30%
21%
-----
--
-----
11%
-----
--
-----
--
-----
10%
--
20%
--
20%-b
15%a-
10%----
21%----
--
----
--
----
--
--
30%
--
20%
10%
-----
--
-----
11%
-----
--
-----
--
-----
21%
--
--
--
20%
--
--
--
10%----
--
----
--
----
16%----
--
--
20%
--
10%
--
-----
--
-----
--
-----
--
-----
10%
-----
10%
--
--
--
10%
--
--
--
--
----
10%----
--
----
--
----
--
--
10%
--
61260%
15447%---DE
8353%---DE
4049%---DE
3082%
ABC--
30473%
ABC--
19064%
--
42158%
--
59860%
--
1349%
--
34565%--C-
19159%--C-
5342%AB--
851%----
16646%
-B
44268%
A-
313%
72%
-----
43%
-----
45%
-----
12%
-----
164%
-----
103%
--
213%
--
293%
--
27%
--
132%----
144%----
22%----
16%----
82%
--
223%
--
--
--
-----
--
-----
--
-----
--
-----
--
-----
--
--
--
--
--
--
--
--
--
----
--
----
--
----
--
----
--
--
--
--
707%
216%
--c--
107%
--c--
1315%
ab--E
12%
-----
266%
--C--
279%
--
426%
--
687%
--
27%
--
143%
-BC-
3912%A---
1512%A---
210%----
4613%
-B
244%A-
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:104Page:104
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q56a/b. Which of the following types of credit have you used in the last 12 months?Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
HIGH COST CREDIT USER OFINTEREST (Q,M,I)
NO HIGH COST CREDIT (NOTQ,M,.I,N,J,O,S)
1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660
1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653
636%
185%
--c--
96%
--c--
1214%
ab-de
--
--c--
256%
--c--
238%
--
405%
--
636%
--
--
--
112%
-BC-
3711%A---
1411%A---
14%----
4512%
-B
183%A-
94893%
30494%--c--
14793%--c--
6985%
ab--E
3698%-----
39294%--C--
26991%
--
67894%
--
92193%
--
2493%
--
51897%-BC-
28588%A---
11388%A---
1590%----
31687%
-B
62996%
A-
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:105Page:105
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q57. You mentioned that you have borrowed money from a friend or other acquaintance. Does that person also lend to others?Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes respondents who have borrowed money from a friend or other acquaintance
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
Yes
No
Don't know
19 9 3 7 8 11 3 9 6 1 - - - 12 7 - 1 1 2 15 2 17
18 8 3 7 9 10 2 8 7 1 - - - 10 8 - 1 1 2 14 2 16
632%
222%
---
257%
---
230%
---
112%
--
549%
--
130%
-------
232%
-------
336%
-------
--
-------
--
-------
--
-------
--
-------
332%
---
332%
---
--
---
--
----
--
----
149%----
535%----
--
--
636%
--
844%
340%
---
143%
---
448%
---
444%
--
444%
--
129%
-------
335%
-------
450%
-------
1100%-------
--
-------
--
-------
--
-------
334%
---
556%
---
--
---
1100%
----
1100%
----
--
----
641%----
2100%
--
636%
--
424%
338%
---
--
---
221%
---
445%
--
17%
--
141%
-------
333%
-------
114%
-------
--
-------
--
-------
--
-------
--
-------
334%
---
112%
---
--
---
--
----
--
----
151%----
325%----
--
--
428%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:106Page:106
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q57. You mentioned that you have borrowed money from a friend or other acquaintance. Does that person also lend to others?Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes respondents who have borrowed money from a friend or other acquaintance
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
Yes
No
Don't know
19 11 9 8 7 - 4 8
18 11 9 7 7 - 3 8
632%
326%
---
331%
---
342%
---
--
----
--
----
271%----
345%----
844%
652%
---
442%
---
230%
---
460%----
--
----
--
----
447%----
424%
322%
---
327%
---
228%
---
340%----
--
----
129%----
18%----
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:107Page:107
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q57. You mentioned that you have borrowed money from a friend or other acquaintance. Does that person also lend to others?Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes respondents who have borrowed money from a friend or other acquaintance
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
Yes
No
Don't know
19 2 2 4 1 10 6 13 18 1 1 11 6 1 15 4
18 2 2 3 1 10 8 11 18 1 1 10 7 1 14 4
632%
--
-----
--
-----
259%-----
--
-----
438%-----
334%
--
330%
--
633%
--
--
--
--
----
331%----
229%----
1100%
----
534%
--
123%
--
844%
--
-----
159%-----
121%-----
1100%
-----
552%-----
453%
--
438%
--
742%
--
1100%
--
1100%
----
435%----
456%----
--
----
748%
--
132%
--
424%
2100%
-----
141%-----
121%-----
--
-----
110%-----
113%
--
333%
--
425%
--
--
--
--
----
334%----
115%----
--
----
218%
--
245%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:108Page:108
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q58. And did they charge you interest?Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes respondents who have borrowed money from a friend or other acquaintance
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
Yes - I paid back w hat I ow edplus more
Yes - I paid back w hat I ow edplus a gift (e.g. bought them a
pint)
No - I paid back w hat I ow edand nothing else
19 9 3 7 8 11 3 9 6 1 - - - 12 7 - 1 1 2 15 2 17
18 8 3 7 9 10 2 8 7 1 - - - 10 8 - 1 1 2 14 2 16
211%
226%
---
--
---
--
---
223%
--
--
--
--
-------
--
-------
227%
-------
--
-------
--
-------
--
-------
--
-------
--
---
224%
---
--
---
--
----
--
----
151%----
17%----
--
--
212%
--
--
--
---
--
---
--
---
--
--
--
--
--
-------
--
-------
--
-------
--
-------
--
-------
--
-------
--
-------
--
---
--
---
--
---
--
----
--
----
--
----
--
----
--
--
--
--
1689%
674%
---
3100%
---
7100%
---
777%
--
10100%
--
2100%-------
8100%-------
573%
-------
1100%-------
--
-------
--
-------
--
-------
10100%
---
676%
---
--
---
1100%
----
1100%
----
149%----
1393%----
2100%
--
1488%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:109Page:109
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q58. And did they charge you interest?Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes respondents who have borrowed money from a friend or other acquaintance
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
Yes - I paid back w hat I ow edplus more
Yes - I paid back w hat I ow edplus a gift (e.g. bought them a
pint)
No - I paid back w hat I ow edand nothing else
19 11 9 8 7 - 4 8
18 11 9 7 7 - 3 8
211%
19%---
110%
---
114%
---
114%----
--
----
130%----
--
----
--
--
---
--
---
--
---
--
----
--
----
--
----
--
----
1689%
1091%
---
890%
---
686%
---
686%----
--
----
270%----
8100%
----
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:110Page:110
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q58. And did they charge you interest?Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes respondents who have borrowed money from a friend or other acquaintance
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
Yes - I paid back w hat I ow edplus more
Yes - I paid back w hat I ow edplus a gift (e.g. bought them a
pint)
No - I paid back w hat I ow edand nothing else
19 2 2 4 1 10 6 13 18 1 1 11 6 1 15 4
18 2 2 3 1 10 8 11 18 1 1 10 7 1 14 4
211%
--
-----
--
-----
--
-----
--
-----
219%-----
226%
--
--
--
211%
--
--
--
--
----
--
----
230%----
--
----
--
--
245%
--
--
--
-----
--
-----
--
-----
--
-----
--
-----
--
--
--
--
--
--
--
--
--
----
--
----
--
----
--
----
--
--
--
--
1689%
2100%
-----
2100%
-----
3100%
-----
1100%
-----
881%-----
674%
--
11100%
--
1689%
--
1100%
--
1100%
----
10100%
----
570%----
1100%
----
14100%
--
255%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:111Page:111
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q59. You said you had taken out...Credit Union loan in the last 12 months. Do you still have this credit?Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes respondents who have used Credit Union loan in the last 12 months.
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
Yes
No
19 4 6 9 8 11 3 7 4 2 2 - 1 10 6 3 - 3 3 13 3 16
18 3 5 10 9 9 2 8 4 2 2 - 1 10 6 3 - 3 3 13 3 16
950%
269%
---
230%
---
554%
---
220%
-b
779%
a-
2100%-------
230%
-------
250%
-------
133%
-------
2100%-------
--
-------
--
-------
548%
---
344%
---
271%
---
--
----
3100%
----
150%----
538%----
3100%
--
640%
--
950%
131%
---
470%
---
446%
---
780%
-b
221%
a-
--
-------
570%
-------
250%
-------
167%
-------
--
-------
--
-------
1100%-------
552%
---
356%
---
129%
---
--
----
--
----
150%----
862%----
--
--
960%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:112Page:112
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q59. You said you had taken out...Credit Union loan in the last 12 months. Do you still have this credit?Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes respondents who have used Credit Union loan in the last 12 months.
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
Yes
No
19 5 5 14 9 - 4 6
18 4 4 14 8 - 5 5
950%
378%
---
378%
---
641%
---
566%----
--
----
113%----
363%----
950%
122%
---
122%
---
859%
---
334%----
--
----
587%----
237%----
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:113Page:113
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q59. You said you had taken out...Credit Union loan in the last 12 months. Do you still have this credit?Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes respondents who have used Credit Union loan in the last 12 months.
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
Yes
No
19 5 2 6 - 6 7 12 17 2 6 7 6 - 11 8
18 6 2 5 - 6 7 12 16 2 6 6 7 - 9 9
950%
347%-----
133%-----
362%-----
--
-----
348%-----
466%
--
540%
--
743%
--
2100%
--
349%----
465%----
337%----
--
----
557%
--
442%
--
950%
353%-----
167%-----
238%-----
--
-----
352%-----
234%
--
760%
--
957%
--
--
--
351%----
235%----
463%----
--
----
443%
--
558%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:114Page:114
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q59. You said you had taken out...Pay day loan company in the last 12 months. Do you still have this credit?Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes respondents who have used Pay day loan company in the last 12 months.
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
Yes
No
13 6 2 5 4 9 2 6 4 1 - - - 8 5 - - 2 2 9 2 11
12 5 2 5 4 8 2 5 5 1 - - - 7 5 - - 2 2 8 2 10
542%
352%
---
147%
---
231%
---
246%
--
341%
--
--
-------
353%
-------
238%
-------
1100%-------
--
-------
--
-------
--
-------
340%
---
245%
---
--
---
--
----
--
----
160%----
449%----
--
--
551%
--
758%
248%
---
153%
---
469%
---
254%
--
559%
--
2100%-------
247%
-------
362%
-------
--
-------
--
-------
--
-------
--
-------
460%
---
355%
---
--
---
--
----
2100%
----
140%----
451%----
2100%
--
549%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:115Page:115
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q59. You said you had taken out...Pay day loan company in the last 12 months. Do you still have this credit?Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes respondents who have used Pay day loan company in the last 12 months.
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
Yes
No
13 13 13 - 9 - - 4
12 12 12 - 8 - - 4
542%
542%
---
542%
---
--
---
344%----
--
----
--
----
240%----
758%
758%
---
758%
---
--
---
456%----
--
----
--
----
360%----
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:116Page:116
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q59. You said you had taken out...Pay day loan company in the last 12 months. Do you still have this credit?Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes respondents who have used Pay day loan company in the last 12 months.
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
Yes
No
13 4 1 5 - 3 2 11 13 - - 8 5 - 11 2
12 3 1 4 - 4 3 9 12 - - 6 6 - 10 2
542%
249%-----
1100%
-----
139%-----
--
-----
125%-----
138%
--
444%
--
542%
--
--
--
--
----
351%----
233%----
--
----
333%
--
2100%
--
758%
251%-----
--
-----
261%-----
--
-----
375%-----
262%
--
556%
--
758%
--
--
--
--
----
349%----
467%----
--
----
767%
--
--
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:117Page:117
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q59. You said you had taken out...Home Credit \ Doorstep Loan in the last 12 months. Do you still have this credit?Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes respondents who have used Home Credit \ Doorstep Loan in the last 12 months.
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
Yes
No
28 12 5 11 8 20 4 8 4 7 4 1 - 12 11 5 1 1 1 25 2 26
27 9 4 13 9 18 3 6 6 7 4 1 - 10 12 4 1 1 1 24 2 24
2074%
774%
---
358%
---
1080%
---
778%
--
1372%
--
373%
-------
574%
-------
471%
-------
686%
-------
251%
-------
1100%-------
--
-------
774%
---
1079%
---
360%
---
--
----
1100%
----
1100%
----
1875%----
158%
--
1875%
--
726%
226%
---
242%
---
320%
---
222%
--
528%
--
127%
-------
226%
-------
229%
-------
114%
-------
249%
-------
--
-------
--
-------
326%
---
321%
---
240%
---
1100%
----
--
----
--
----
625%----
142%
--
625%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:118Page:118
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q59. You said you had taken out...Home Credit \ Doorstep Loan in the last 12 months. Do you still have this credit?Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes respondents who have used Home Credit \ Doorstep Loan in the last 12 months.
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
Yes
No
28 28 28 - 14 - 3 11
27 27 27 - 13 - 3 10
2074%
2074%
---
2074%
---
--
---
1181%----
--
----
3100%
----
658%----
726%
726%
---
726%
---
--
---
219%----
--
----
--
----
442%----
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:119Page:119
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q59. You said you had taken out...Home Credit \ Doorstep Loan in the last 12 months. Do you still have this credit?Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes respondents who have used Home Credit \ Doorstep Loan in the last 12 months.
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
Yes
No
28 4 3 8 - 13 15 13 28 - 2 17 9 - 17 11
27 3 3 7 - 14 15 11 27 - 1 14 11 - 17 10
2074%
378%-----
263%-----
461%-----
--
-----
1181%-----
1171%
--
977%
--
2074%
--
--
--
1100%
----
1176%----
767%----
--
----
1170%
--
881%
--
726%
122%-----
137%-----
339%-----
--
-----
319%-----
429%
--
323%
--
726%
--
--
--
--
----
324%----
433%----
--
----
530%
--
219%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:120Page:120
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q59. You said you had taken out... Hire purchase\ buying goods on finance in the last 12 months. Do you still have this credit?Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes respondents who have used Hire purchase\ buying goods on finance in the last 12 months.
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
Yes
No
32 10 11 11 16 16 3 11 11 4 1 2 - 14 15 3 5 5 9 13 10 22
33 8 13 12 19 14 3 9 14 5 1 2 - 12 19 2 6 6 9 12 12 21
2677%
561%
---
13100%
---
864%
---
1790%
--
859%
--
3100%-------
669%
-------
1072%
-------
582%
-------
1100%-------
2100%-------
--
-------
975%
---
1475%
---
2100%
---
472%----
586%----
9100%
----
757%----
1079%
--
1676%
--
823%
339%
---
--
---
536%
---
210%
--
641%
--
--
-------
331%
-------
428%
-------
118%
-------
--
-------
--
-------
--
-------
325%
---
525%
---
--
---
228%----
114%----
--
----
543%----
321%
--
524%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:121Page:121
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q59. You said you had taken out... Hire purchase\ buying goods on finance in the last 12 months. Do you still have this credit?Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes respondents who have used Hire purchase\ buying goods on finance in the last 12 months.
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
Yes
No
32 32 32 - 16 - 5 11
33 33 33 - 18 - 4 12
2677%
2677%
---
2677%
---
--
---
1582%----
--
----
383%----
867%----
823%
823%
---
823%
---
--
---
318%----
--
----
117%----
433%----
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:122Page:122
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q59. You said you had taken out... Hire purchase\ buying goods on finance in the last 12 months. Do you still have this credit?Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes respondents who have used Hire purchase\ buying goods on finance in the last 12 months.
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
Yes
No
32 13 5 3 - 11 7 25 32 - 9 18 4 1 27 5
33 15 5 2 - 11 8 25 33 - 10 19 4 1 27 6
2677%
15100%----E
471%-----
2100%
-----
--
-----
543%A----
448%
--
2286%
--
2677%
--
--
--
10100%
----
1472%----
255%----
--
----
1972%
--
6100%
--
823%
--
----E
229%-----
--
-----
--
-----
657%A----
452%
--
414%
--
823%
--
--
--
--
----
528%----
245%----
1100%
----
828%
--
--
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:123Page:123
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q60a. You have taken out a loan for £100 and the interest rate you are charged is 10 per cent per month. There are no other fees. At this interest rate, how much moneywould you owe in total after one month?
Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
Less than £110
£110 exactly
More than £110
Don't know
Refused
1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587
1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579
626%
52%--C
196%---
378%A--
316%
--
306%
--
64%
-------
127%
-------
63%
----e--
74%
-------
1210%
--c----
96%
-------
108%
-------
186%---
134%--c
318%-b-
95%----
135%----
137%----
267%----
225%
--
397%
--
76976%
18380%
---
26075%
---
32774%
---
40181%
-B
36870%
A-
9668%
--CD-f-
11473%
--cD---
14483%
Ab--E-G
13887%
AB--E-G
8069%
--CD---
11579%
a-----g
8265%
--CD-f-
21171%
-B-
28285%A-C
27771%
-B-
13988%--cD
22281%---D
14577%a--d
26067%ABc-
36183%
-B
40570%
A-
252%
63%---
113%---
72%---
112%
--
143%
--
75%
--c----
32%
-------
10%
a----f-
21%
-------
22%
-------
75%
--c----
32%
-------
103%---
31%---
113%---
11%----
104%----
32%----
102%----
112%
--
132%
--
15615%
3214%
---
5416%
---
7016%
---
4910%
-B
10720%
A-
3222%--cD-
F-
2617%
---d---
2112%
a-----g
127%
Ab--E-G
2219%
---D-f-
1410%
A---e-G
2923%--cD-
F-
5819%
-B-
3310%A-C
6617%
-B-
96%
--cD
2910%---D
2714%a--d
9224%ABc-
389%-B
11820%
A-
61%
31%---
21%---
10%---
20%
--
41%
--
10%
-------
10%
-------
21%
-------
--
-------
--
-------
11%
-------
22%
-------
10%---
21%---
31%---
11%----
10%----
10%----
21%----
20%
--
31%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:124Page:124
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q60a. You have taken out a loan for £100 and the interest rate you are charged is 10 per cent per month. There are no other fees. At this interest rate, how much moneywould you owe in total after one month?
Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
Less than £110
£110 exactly
More than £110
Don't know
Refused
1018 71 64 947 508 8 244 258
1018 70 63 948 515 7 254 241
626%
58%---
59%---
566%---
--
-B-D
7100%A-CD
--
-B-D
5523%
ABC-
76976%
4463%
--c
3962%
--c
72576%ab-
515100%-B-D
--
A-C-
254100%-B-D
--
A-C-
252%
22%---
23%---
232%---
--
---D
--
----
--
---D
2510%A-C-
15615%
1826%
--c
1626%
--c
13815%ab-
--
---D
--
---D
--
---D
15665%
ABC-
61%
11%---
11%---
61%---
--
---D
--
----
--
---d
63%
A-c-
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:125Page:125
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q60a. You have taken out a loan for £100 and the interest rate you are charged is 10 per cent per month. There are no other fees. At this interest rate, how much moneywould you owe in total after one month?
Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
Less than £110
£110 exactly
More than £110
Don't know
Refused
1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660
1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653
626%
247%
-----
95%
-----
56%
-----
24%
-----
225%
-----
155%
--
477%
--
606%
--
27%
--
387%----
206%----
43%----
--
----
247%
--
386%
--
76976%
27585%
-BC-E
11673%A----
5568%A----
3184%-----
29170%A----
20770%
-B
56378%
A-
74575%
--
2286%
--
43181%-B--
22068%A---
9575%----
1061%----
27175%
--
49576%
--
252%
52%
-----
22%
-----
22%
-----
38%
-----
133%
-----
103%
--
142%
--
252%
--
--
--
102%----
72%----
64%----
15%----
82%
--
173%
--
15615%
206%
-BC-E
3019%
A--d-
1924%
A--d-
14%
-bc-e
8621%
A--d-
6121%
-B
9413%
A-
15316%
--
27%
--
5310%-BcD
7222%A---
2318%a---
634%A---
5716%
--
9915%
--
61%
--
-----
10%
-----
--
-----
--
-----
51%
-----
41%
--
20%
--
61%
--
--
--
10%----
52%----
--
----
--
----
21%
--
41%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:126Page:126
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q60b. And if you didn’t pay anything off, at this compound interest rate of 10 per cent, how much would you owe after two months - again assuming there were noadditional fees?
Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table excludes those who answered don't know or refused when asked how much they would owe after 1 month (Q60a)
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
Less than £120
£120 exactly
£121 exactly
More than £121
Don't know
Refused
845 216 278 351 406 439 108 132 128 121 108 141 107 240 249 356 141 244 163 292 385 455
856 194 290 371 443 412 109 129 151 147 93 131 95 239 298 319 148 245 162 296 393 457
658%
53%--C
165%--C
4412%AB-
276%
--
389%
--
1110%
-------
118%
-------
85%
-------
96%
-------
99%
-------
65%
-------
1112%
-------
229%---
176%---
268%---
96%----
187%----
75%----
2910%----
277%
--
378%
--
34841%
9046%
---
11238%
---
14740%
---
17339%
--
17442%
--
4541%
-------
5644%
-------
5738%
-------
6947%
-------
4245%
-------
4736%
-------
3234%
-------
10142%
---
12642%
---
12138%
---
4732%---D
8736%---D
6540%----
14750%AB--
13434%
-B
21347%
A-
26131%
6936%
---
8830%
---
10428%
---
15435%
-B
10726%
A-
2422%
--c--F-
4132%
-------
5134%
a------
4228%
-------
2527%
-------
5139%
A------
2729%
-------
6527%
---
9331%
---
10332%
---
6342%--cD
9137%---D
4930%a--D
5619%
ABC-
15439%
-B
10523%
A-
12114%
179%-b-
4816%
a--
5615%
---
5813%
--
6315%
--
2422%
-b--e--
1310%
a------
2215%
-------
2013%
-------
88%
a------
1914%
-------
1617%
-------
3716%
---
4214%
---
4313%
---
2416%----
3514%----
2616%----
3612%----
5915%
--
6113%
--
577%
137%---
269%---
185%---
297%
--
287%
--
55%
-------
97%
-------
128%
-------
85%
-------
1010%
-------
86%
-------
66%
-------
146%---
197%---
247%---
53%---d
135%----
128%----
279%a---
185%-b
399%a-
30%
--
---
10%---
21%---
10%
--
21%
--
--
-------
--
-------
11%
-------
--
-------
--
-------
--
-------
22%
-------
--
---
10%---
21%---
--
----
10%----
21%----
--
----
10%
--
21%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:127Page:127
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q60b. And if you didn’t pay anything off, at this compound interest rate of 10 per cent, how much would you owe after two months - again assuming there were noadditional fees?
Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table excludes those who answered don't know or refused when asked how much they would owe after 1 month (Q60a)
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
Less than £120
£120 exactly
£121 exactly
More than £121
Don't know
Refused
845 52 47 793 508 8 244 85
856 51 46 804 515 7 254 79
658%
47%---
48%---
618%---
357%
--CD
--
----
--
A--D
3038%A-C-
34841%
2754%
---
2554%
---
32040%
---
33765%-BCD
--
A---
--
A--D
1114%A-C-
26131%
713%
--C
714%
--c
25532%Ab-
--
-BC-
7100%A--D
254100%A--D
--
-BC-
12114%
817%
---
716%
---
11314%
---
9919%--C-
--
----
--
A--D
2228%--C-
577%
510%
---
48%---
526%---
408%
--CD
--
----
--
A--D
1721%A-C-
30%
--
---
--
---
30%---
31%----
--
----
--
----
--
----
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:128Page:128
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q60b. And if you didn’t pay anything off, at this compound interest rate of 10 per cent, how much would you owe after two months - again assuming there were noadditional fees?
Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table excludes those who answered don't know or refused when asked how much they would owe after 1 month (Q60a)
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
Less than £120
£120 exactly
£121 exactly
More than £121
Don't know
Refused
845 276 127 62 33 346 236 609 820 23 475 248 97 10 289 552
856 304 127 62 35 326 231 624 829 24 478 247 105 11 302 550
658%
238%
-----
97%
-----
711%-----
38%
-----
237%
-----
125%
--
538%
--
658%
--
--
--
316%----
2610%----
88%----
--
----
269%
--
397%
--
34841%
12240%-----
5140%-----
3149%-----
1235%-----
13140%-----
10144%
--
24740%
--
33540%
--
1353%
--
18338%----
10442%----
4341%----
762%----
13244%
--
21639%
--
26131%
9431%-----
4233%--c--
1118%-b---
1438%-----
10031%-----
6327%
--
19832%
--
25230%
--
831%
--
16735%-B--
5823%A---
3230%----
222%----
7926%
--
17933%
--
12114%
4515%-----
1411%-----
1118%-----
616%-----
4514%-----
3013%
--
9115%
--
11914%
--
310%
--
7315%----
3414%----
1111%----
216%----
4214%
--
7914%
--
577%
196%
-----
108%
-----
23%
-----
13%
-----
258%
-----
2410%
-b
335%a-
567%
--
15%
--
225%-b--
2410%a---
1010%----
--
----
227%
--
356%
--
30%
10%
-----
--
-----
--
-----
--
-----
21%
-----
10%
--
20%
--
20%
--
--
--
20%----
10%----
--
----
--
----
10%
--
20%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:129Page:129
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q60a/b. Financial literacyBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
Q60a only correct
Q60b only correct
Q60a & b both correct
Neither correct
1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587
1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579
51551%
11349%
---
17250%
---
23152%
---
25251%
--
26450%
--
7351%
-------
7448%
---d---
9454%
-------
9761%
-b--eFG
5548%
---d---
6645%
---D---
5644%
---D---
14749%
-b-
19158%a-C
17746%
-B-
7950%----
13449%----
9752%----
20452%----
21349%
--
30152%
--
71%
--
---
--
--c
72%-b-
51%
--
20%
--
--
-------
11%
-------
11%
-------
11%
-------
11%
-------
11%
-------
11%
-------
10%---
31%---
31%---
32%----
31%----
10%----
10%----
61%
--
10%
--
25425%
6930%
--c
8825%
---
9622%
a--
14930%
-B
10420%
A-
2417%
--c--F-
4025%
-------
5029%
a------
4025%
-------
2421%
-----f-
5034%
A---e-g
2621%
-----f-
6421%
---
9027%
---
10026%
---
6038%--cD
8832%---D
4825%a--D
5614%
ABC-
14834%
-B
10418%
A-
24124%
4720%
---
8725%
---
10824%
---
8818%
-B
15329%
A-
4632%
--CD-f-
4126%
--cD---
2816%
Ab--E-G
2012%
AB--E-G
3530%
--CD---
2920%
a-----g
4334%
--CD-f-
8629%
-B-
4814%A-C
10728%
-B-
1711%--CD
4918%---D
4323%A--d
13033%ABc-
6615%
-B
17230%
A-
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:130Page:130
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q60a/b. Financial literacyBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
Q60a only correct
Q60b only correct
Q60a & b both correct
Neither correct
1018 71 64 947 508 8 244 258
1018 70 63 948 515 7 254 241
51551%
3854%
---
3252%
---
47850%
---
515100%-BCD
--
A---
--
A---
--
A---
71%
--
---
--
---
71%---
--
-B--
7100%A-CD
--
-B--
--
-B--
25425%
79%--C
710%
--C
24726%AB-
--
--C-
--
--C-
254100%AB-D
--
--C-
24124%
2637%
--c
2438%
--c
21623%ab-
--
---D
--
---D
--
---D
241100%ABC-
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:131Page:131
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q60a/b. Financial literacyBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
Q60a only correct
Q60b only correct
Q60a & b both correct
Neither correct
1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660
1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653
51551%
18758%-b--E
7347%a----
4454%-----
1747%-----
19346%A----
14449%
--
37152%
--
49950%
--
1559%
--
27051%----
16350%----
6450%----
846%----
19353%
--
32249%
--
71%
52%
-----
--
-----
--
-----
--
-----
21%
-----
10%
--
61%
--
71%
--
12%
--
61%----
10%----
--
----
--
----
10%
--
61%
--
25425%
8927%--c--
4227%--c--
1114%
ab-D-
1437%--C--
9823%-----
6221%
--
19127%
--
24625%
--
727%
--
16130%-B--
5718%A---
3225%----
215%----
7821%
--
17326%
--
24124%
4414%
-BC-E
4227%A----
2632%A----
616%-----
12430%A----
8930%
-B
15121%
A-
23724%
--
312%
--
9518%-B--
10432%A---
3325%----
639%----
8925%
--
15223%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:132Page:132
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q60c. Do you think it would it be..?Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes those who answered don't know or refused when asked how much they would owe after 2 months (Q60b)
TotalBase
Unweighted
Weighted
Region
A. NorthWales
B. Mid &SouthWest
Wales
C. SouthEast
Wales &Valleys
Gender
A. MaleB.
Female
Age 1
A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+
Age 2
A. 16-34 B. 35-54 C. 55+
Social Grade 1
A. AB B. C1 C. C2 D. DE
SocialGrade 2
A. ABC1 B. C2DE
A. Less than £120
B. Exactly £120
C. More than £120
Don't know
61 14 27 20 30 31 6 9 11 6 11 9 9 15 17 29 5 15 15 26 20 41
60 13 27 20 30 30 5 9 13 8 10 8 8 14 21 26 5 14 15 27 19 41
1220%
17%---
27%--C
945%
-B-
518%
--
622%
--
--
-------
226%
-------
111%
-------
117%
-------
224%
-------
222%
-------
336%
-------
216%
---
313%
---
727%
---
125%----
430%----
216%----
416%----
528%
--
716%
--
610%
16%---
311%
---
312%
---
39%
--
311%
--
--
-------
116%
-------
111%
-------
221%
-------
--
-------
110%
-------
112%
-------
110%
---
315%
---
27%---
--
----
17%----
--
----
520%----
15%
--
513%
--
2948%
1080%
--c
1246%
---
631%
a--
1343%
--
1654%
--
482%
-------
441%
-------
650%
-------
343%
-------
658%
-------
335%
-------
339%
-------
857%
---
1047%
---
1245%
---
119%----
858%----
751%----
1348%----
948%
--
2049%
--
1321%
17%---
1036%
---
211%
---
929%
--
414%
--
118%
-------
117%
-------
428%
-------
119%
-------
218%
-------
334%
-------
113%
-------
217%
---
524%
---
621%
---
356%----
15%----
533%----
517%----
419%
--
923%
--
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:133Page:133
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q60c. Do you think it would it be..?Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes those who answered don't know or refused when asked how much they would owe after 2 months (Q60b)
TotalBase
Unweighted
Weighted
High cost credit userA. ANY HIGH
COST CREDITUSER
B. HIGH COSTCREDIT USEROF INTEREST
C. NO HIGHCOST CREDIT
Q60a/b. Financial literacy
A. Q60a onlycorrect
B. Q60b onlycorrect
C. Q60a & b bothcorrect D. Neither correct
A. Less than £120
B. Exactly £120
C. More than £120
Don't know
61 4 3 57 43 - - 18
60 5 4 55 44 - - 17
1220%
--
---
--
---
1222%
---
613%----
--
----
--
----
638%----
610%
128%
---
--
---
59%---
614%----
--
----
--
----
--
----
2948%
472%
---
4100%
---
2646%
---
2352%----
--
----
--
----
739%----
1321%
--
---
--
---
1323%
---
921%----
--
----
--
----
422%----
sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:134Page:134
© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015
Analysis..: Q60c. Do you think it would it be..?Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes those who answered don't know or refused when asked how much they would owe after 2 months (Q60b)
TotalBase
Unweighted
Weighted
Working Status
A. Full time B. Part time
C. Unempl-oyed -
seekingD. Full time
student
E. Otherpermanentlynot working
Limiting longterm
illness/disability
A. Yes B. No
Ethnicity
A. WhiteB. Non -
white
TenureA. Owned -
with orwithout
mortgage
B. Rentedfrom
Council/HAC. Rented
privately D. Other
Children (under16) in household
A. Yes B. No
A. Less than £120
B. Exactly £120
C. More than £120
Don't know
61 21 10 2 1 27 24 37 59 1 26 25 10 - 21 40
60 20 10 2 1 27 25 35 58 1 25 25 10 - 23 38
1220%
421%-----
113%-----
149%-----
--
-----
520%-----
626%
--
515%
--
1017%
--
1100%
--
522%----
520%----
113%----
--
----
416%
--
822%
--
610%
--
-----
114%-----
--
-----
--
-----
518%-----
625%
-B
--
A-
611%
--
--
--
313%----
27%----
113%----
--
----
417%
--
26%
--
2948%
1258%-----
549%-----
151%-----
1100%
-----
1140%-----
935%
--
2158%
--
2950%
--
--
--
937%----
1353%----
766%----
--
----
1045%
--
1951%
--
1321%
421%-----
225%-----
--
-----
--
-----
623%-----
414%
--
927%
--
1322%
--
--
--
728%----
520%----
18%----
--
----
523%
--
821%
--