You lend RM 25 to a friend one evening and he gives you RM 25 back the next day. How much interest has he paid on this loan?

Imagine that someone puts RM 100 into a savings account with a guaranteed interest rate of 2% per year. They don't make any further payments into this account and they don't withdraw any money. How much would be in the account at the end of the first year, once the interest payment is made?

Imagine that someone puts RM 100 into a savings account with a guaranteed interest rate of 2% per year. They don't make any further payments into this account and they don't withdraw any money and how much would be in the account at the end of five years? Would it be:

I would like to know whether you think the following statements are true of false:

"An investment with a high return is likely to be high risk"

I would like to know whether you think the following statements are true of false:

"if someone offers you the chance to make a lot of money it is likely that there is also a chance that you will lose a lot of money"

I would like to know whether you think the following statements are true of false:

"High inflation means that the cost of living is increasing rapidly"

I would like to know whether you think the following statements are true of false:

"it is less likely that you will lose all of your money if you save it in more than one place"

Do you make day-to-day decisions about your own money?

and who is responsible for making day-to-day decisions about the money in your household?

Do you do any of the following for yourself or your household?

"Make a plan to manage your income and expenses"

Do you do any of the following for yourself or your household?

"keep a note of your spending"

Do you do any of the following for yourself or your household?

"keep money for bills separate from day-to-day spending money"

Do you do any of the following for yourself or your household?

"make a note of upcoming bills to make sure you dont miss them"

Do you do any of the following for yourself or your household?

"use a banking application or money managment tool to keep track of your outgoings"

Do you do any of the following for yourself or your household?

"arrange automatic payments for regular outgoings"

Situation: QD5, Now thinking about yourself, rather than your household.

"In the past 12 months have you been saving money in any of the following..."

a) saving cash at home or in your wallet

Situation: QD5, Now thinking about yourself, rather than your household.

"In the past 12 months have you been saving money in any of the following..."

b) paying/keep/save money into saving account

Situation: QD5, Now thinking about yourself, rather than your household.

"In the past 12 months have you been saving money in any of the following..."

c) Giving money to family to save on your behalf

Situation: QD5, Now thinking about yourself, rather than your household.

"In the past 12 months have you been saving money in any of the following..."

d) buying bonds or time deposits

Situation: QD5, Now thinking about yourself, rather than your household.

"In the past 12 months have you been saving money in any of the following..."

e) investing in crypto-assets

Situation: QD5, Now thinking about yourself, rather than your household.

"In the past 12 months have you been saving money in any of the following..."

g) saving or investing in some other way (example; buying livestock, gold, real estate or other property)

Sometimes people find that their income does not quite cover their living expenses. In the last 12 months, has this happened to you, personally? if "YES" proceed to the next question (QF12)

What did you do to make ends meet the last time this happened?

a) Existing resources

"Draw money out of savings or transfer savings into current account"

What did you do to make ends meet the last time this happened?

a) Existing resources

"Cut back on spending, spend less, do without, delay a planned expense"

What did you do to make ends meet the last time this happened?

a) Existing resources

"sell something that you own"

What did you do to make ends meet the last time this happened?

b) Additional resources

"work overtime, take an extra job, earn extra money"

What did you do to make ends meet the last time this happened?

b) Additional resources

"claim support from the government"

What did you do to make ends meet the last time this happened?

b) Additional resources

"ask for help from family, friends or the community"

What did you do to make ends meet the last time this happened?

c) Access credit by using existing contacts or resources

"borrow from family, friends or the community"

What did you do to make ends meet the last time this happened?

c) Access credit by using existing contacts or resources

"borrow from employer/salary advance"

What did you do to make ends meet the last time this happened?

c) Access credit by using existing contacts or resources

"borrow from employer/salary advance"

What did you do to make ends meet the last time this happened?

c) Access credit by using existing contacts or resources

"pawn something that you own"

What did you do to make ends meet the last time this happened?

c) Access credit by using existing contacts or resources

"take a loan from your savings and loans clubs or other <informal savings club>"

What did you do to make ends meet the last time this happened?

c) Access credit by using existing contacts or resources

"use someone else's credit card"

What did you do to make ends meet the last time this happened?

c) Access credit by using existing contacts or resources

"Take money out of a flexible mortgage account"

What did you do to make ends meet the last time this happened?

c) Access credit by using existing contacts or resources

"Apply for loan/withdrawal on pension fund"

What did you do to make ends meet the last time this happened?

d) borrow from existing credit line

"use authorised, arranged overdraft or line of credit"

What did you do to make ends meet the last time this happened?

d) borrow from existing credit line

"use credit card for a cash advance or to pay bills/buy food"

What did you do to make ends meet the last time this happened?

e) access additional credit

"Take out a personal loan from a financial service provider (including bank, credit union or microfinance)"

What did you do to make ends meet the last time this happened?

e) access additional credit

"Take out a payday loan"

What did you do to make ends meet the last time this happened?

e) access additional credit

"Take out a loan from an informal provider/moneylender"

What did you do to make ends meet the last time this happened?

e) access additional credit

"Take an SMS loan"

What did you do to make ends meet the last time this happened?

e) access additional credit

"Take an online <instant cash> loan"

What did you do to make ends meet the last time this happened?

f) fall behind/go beyond arranged amount

"use unauthorised overdraft"

What did you do to make ends meet the last time this happened?

f) fall behind/go beyond arranged amount

"pay bills late, miss payments"

Please can you tell me whether you have heard of any of these types of financial products:

"a pension or retirement product (i.e. private retirement scheme)"

Please can you tell me whether you have heard of any of these types of financial products:

"An investment account, such as a unit trust or income trust"

Please can you tell me whether you have heard of any of these types of financial products:

"A mortgage or home-loan"

Please can you tell me whether you have heard of any of these types of financial products:

"A loan secured on property"

Please can you tell me whether you have heard of any of these types of financial products:

"An unsecured bank loan"

Please can you tell me whether you have heard of any of these types of financial products:

"A car loan"

Please can you tell me whether you have heard of any of these types of financial products:

"A credit card"

Please can you tell me whether you have heard of any of these types of financial products:

"A current/check/payment account"

Please can you tell me whether you have heard of any of these types of financial products:

"A current/check/payment account"

Please can you tell me whether you have heard of any of these types of financial products:

"a saving account"

Please can you tell me whether you have heard of any of these types of financial products:

"A microfinance loan"

Please can you tell me whether you have heard of any of these types of financial products:

"Insurance"

Please can you tell me whether you have heard of any of these types of financial products:

"stocks and shares"

Please can you tell me whether you have heard of any of these types of financial products:

"Bonds"

Please can you tell me whether you have heard of any of these types of financial products:

"Mobile payment account that not directly linked to a bank account"

Please can you tell me whether you have heard of any of these types of financial products:

" A prepaid debit card/payment card not directly linked to bank account"

Please can you tell me whether you have heard of any of these types of financial products:

" Crypto-assets"

Please can you tell me whether you have heard of any of these types of financial products:

" Crypto-assets"

Please can you tell me whether you have heard of any of these types of financial products:

"Financial products labelled as sustainable, or "ESG", or "green"

Please can you tell me whether you have heard of any of these types of financial products:

"Country specific product 1 (Malaysia and Indonesia)"

If YES, and now can you tell me whether you [personally or jointly] currently hold any of these types of products

"Country specific product 1 (Malaysia and Indonesia)"

I am now going to read out some statements. I would like to know how much you agree or disagree with each of these statements (as it relates to you):

" I find it more satisfying to spend money than to save it for the long term"

I am now going to read out some statements. I would like to know how much you agree or disagree with each of these statements (as it relates to you):

" I am satisfied with my present financial situation"

I am now going to read out some statements. I would like to know how much you agree or disagree with each of these statements (as it relates to you):

" I keep a close personal watch on my financial affairs"

I am now going to read out some statements. I would like to know how much you agree or disagree with each of these statements (as it relates to you):

" My financial situation limits my ability to do the things that are important to me"

I am now going to read out some statements. I would like to know how much you agree or disagree with each of these statements (as it relates to you):

"I set long term financial goals and strive to achieve them"

I am now going to read out some statements. I would like to know how much you agree or disagree with each of these statements (as it relates to you):

"I have too much debt right now"

"I tend to worry about paying my normal living expenses"

"My finance control my life"

"Before I buy something I carefully consider whether I can afford it"

"I have money left over at the end of the month"

"I pay my bills on time"

"I share the passwords and PINS of my bank account with my close friends"

"Before buying a financial product online I check if the provider is regulated in my country"

" I share information about my personal finances publicly online (e.g. social media)"