Prepared for the Financial Consumer Agency of Canada
Supplier: Leger
Marketing Inc.
Contract Number: CW2241314
Contract Value: $95,356.18 (including HST)
Award Date: October
3, 2022
Delivery Date: July 17,
2023
POR Registration Number: POR 056-22
For more information on
this report, please contact the Financial Consumer Agency of Canada at information@fcac-acfc.gc.ca.
Ce rapport est aussi
disponible en français
This public opinion research report
presents the methodological details of an online survey conducted by Leger
Marketing Inc. on behalf of the Financial Consumer Agency of Canada. The
survey was conducted with 2,307 Canadians between December 2nd, 2022
and January 17th, 2023.
Ce rapport est aussi disponible en français
sous le titre « Étude de recherche sur l’opinion publique : utilisateurs
de crédit à coût élevé ».
This publication may be reproduced for
non-commercial purposes only. Prior written permission must be obtained from Financial
Consumer Agency of Canada. For more information on this report, please the Financial Consumer
Agency of Canada at information@fcac-acfc.gc.ca.
Financial Consumer Agency of Canada
427 Laurier Ave
W. 6th Fl.
Ottawa, ON Canada
K1R 1B9
Catalogue Number: FC5-87/2023E-PDF
International Standard Book Number
(ISBN): 978-0-660-49395-4
Catalogue Number
(Final Report, French): FC5-87/2023F-PDF
ISBN: 978-0-660-49397-8
© His Majesty the King in Right of
Canada, as represented by the Financial Consumer Agency of Canada, 2023
Executive Summary. 4
1.1 Background and
Objectives. 4
1.2 Methodology. 4
1.2.1 Quantitative
Study. 5
1.2 Notes on
Interpretation of the Research Findings. 5
1.4 Political
Neutrality Statement and Contact Information. 6
Appendix A.. 7
A.1 Quantitative Methodology. 7
A.1.1 Sampling Procedure. 7
A.1.2 Methodology for the survey. 7
A.1.2.1 Data Collection. 7
A.1.2.2 Participation Rate. 8
A.2 Survey
Questionnaire. 9
The Financial Consumer Agency of
Canada (FCAC) is an independent federal government agency tasked with ensuring
that federally regulated financial entities comply with consumer protection
measures set out in legislation, public commitments, and codes of conduct.
Mandated to protect Canadian financial consumers, FCAC also promotes financial
education to strengthen the knowledge, skills and confidence of Canadians and
raise awareness of consumer rights and responsibilities. FCAC is further
mandated to monitor trends and issues that could impact financial consumers.
Many Canadians
who lack access to conventional banking services, referred to as
"underbanked," often have no choice but to seek out financial
products and services from alternative finance providers. These providers
typically offer products or services with higher interest rates than those
offered by retail banks or traditional financial institutions. As a result,
these Canadians end up paying significantly higher borrowing costs.
The objective of this research was to support FCAC’s mandate by deepening
its understanding, from a consumer perspective, of Canadian’s use, awareness,
understanding, and impressions of certain high-cost credit products. The study
included participants who had obtained these types of products, including (1) payday
loans, (2) high-cost lines of credit, and (3) high-cost instalment loans in the
last three years.
The results will
be used to inform FCAC in its consumer protection and consumer education and
awareness functions, including the development of timely, evidence-based
analysis and advice on emerging issues that may impact financial consumers. The
data will also help the Agency improve the financial literacy of Canadians by
helping to inform the development of timely and unbiased consumer information
on high-cost credit.
Quantitative research was
conducted through online surveys, using Computer Aided Web Interviewing (CAWI)
technology. Leger Marketing Inc. programmed and fielded a survey developed by
FCAC.
The targeted audience of this
study included a national sample that reflected those who utilized one of three
high-interest loans including payday loan holders, instalment loan hold, and
line-of-credit holders. Those who had a line of credit or instalment loan were
included in the survey if they had received a loan from a lender who only
offers high-cost loans or if they said they received a loan with an interest
rate above 20%. The survey was conducted among a total sample of 2,307 Canadian
adults. The respondents were recruited via Leger’s web panel using a random
selection stratified by region. The sample was distributed as follows:
Table A.1
Regional Distribution of Respondents
|
Region
|
Number of respondents
|
|
Atlantic
|
181
|
|
Quebec
|
297
|
|
Ontario
|
1056
|
|
Prairies
|
163
|
|
Alberta
|
256
|
|
British Columbia
|
349
|
|
Territories
|
5
|
|
Total
|
2,307
|
This public opinion research was
conducted via online surveys, using Computer Aided Web Interviewing (CAWI)
technology. Fieldwork for the survey was carried out from December 2, 2022 to
January 17, 2023. A total of 2,307 Canadians with demographic characteristics
reflective of the Canadian population were surveyed. The sample was drawn
randomly from the Leo panel and the overall response rate for the survey was 9.3%
(see Table 2 in the Appendix for the calculation details).
The LEO (Leger Opinion) panel, is
the largest, most reliable online panel in Canada. With over 400,000
representative panelists from all regions of Canada of Canadian citizens with
Internet access. Members of the panel are recruited according to strict
standards to ensure representativeness. LEO's panelists were randomly selected
(RDD) through Leger's call centre; panelists from harder-to-reach target groups
were also added to the panel through targeted recruitment campaigns. More than
7 out of 10 panelists at LEO are recruited through our own call centre. This
means 70% of LEO panelists come from a unique source. Further, the
double-opt-in selection process, a unique model to detect fraud, and the
renewal of 25% of the panel each year ensures quality data.
A pre-test of 38 interviews was
completed before launching data collection to validate the programming of the
questionnaire in both English and French. An average of thirteen minutes and forty-two
seconds was required for the respondents to complete the survey.
Leger adheres to the most
stringent guidelines for quantitative research. The survey instrument was
compliant with the Standards of Conduct of Government of Canada Public Opinion
Research.
A complete methodological
description is provided in the Appendices section of this document (please see
Appendix A).
This report was compiled by Leger
based on the research conducted specifically for this project. This research is
not probabilistic; the results cannot be inferred to the general population of
Canada.
Since a sample drawn from an
Internet panel is not probabilistic in nature, margins of sampling error cannot
be calculated for this survey. Respondents for this survey were selected from
among those who have volunteered to participate/registered to participate in
online surveys. The results of such surveys cannot be described as
statistically projectable to the target population. The data have been weighted
to reflect the demographic composition of the target population.
1.3 Contract Value
The contract value for this study
was $ 95,356.18 (including HST)
Leger certifies that the final
deliverables fully comply with the Government of Canada’s political neutrality
requirements outlined in the Policy on Communications and Federal Identity and
the Directive on the Management of Communications.
Specifically, the deliverables do
not include information on electoral voting intentions, political party
preferences, standings with the electorate, or ratings of the performance of a
political party or its leaders.
Signed: 
Andrew
Enns, Senior Researcher
Léger
Appendix A
Quantitative research was
conducted through online surveys, using Computer Aided Web Interviewing (CAWI)
technology.
As a CRIC Member, Leger adheres
to the most stringent guidelines for quantitative research. The survey was
conducted in accordance with Government of Canada requirements for quantitative
research, including the Standards of the Conduct of Government of Canada Public
Opinion Research— Series A – Fieldwork and Data Tabulation for Online Surveys.
Respondents were assured of the
voluntary, confidential and anonymous nature of this research. As with all
research conducted by Leger, all information that could allow for the
identification of participants was removed from the data, in accordance with
the Privacy Act.
The questionnaire is available in
Appendix A2.
Computer Aided Web Interviewing
(CAWI)
Leger conducted a panel-based
Internet survey with a sample of adult Canadians. A total of 2,307 respondents
participated in the survey. Sample was targeted based on the demographic
profile that makes up who high interest loan users are known to be. Including newcomers
to Canada and low-income Canadians.
Respondents for this survey were
screened through a series of questions that determined their qualification for
their survey. First, respondents were asked to indicate if they have used a
line of credit, an instalment loan, or a payday loan within the last two years,
in Canada. If they did not use any of these types of credits in Canada, they
were removed from the sample.
Second, respondents were then
asked if they had used an alternative lender. If they had not used an
alternative lender for any of the credit types asked previously, they were
removed from the survey.
The last criteria for
qualification was based on the determining the interest rate in which they paid
or are currently paying for their instalment or line of credit (respondents who
received a payday loan were not asked this question).
Fieldwork for the survey was
conducted from December 2, 2022 to January 17, 2023. The participation rate for
the survey was 9.3%. A pre-test of 38 interviews was completed on December 2,
2022. Within the pre-test, 31 respondents completed the survey in English and 7
respondents completed the survey in French.
To achieve data reliability, a
total sample of 2,307 Canadians were surveyed, in all regions of the country.
Field work was completed in both official languages, and respondents could
choose which language they wanted to complete the survey in. A total of 2,111
respondents completed the survey in English. A total of 196 completed the
survey in French.
Since a sample drawn from an
Internet panel is not probabilistic in nature, the margin of error cannot be
calculated for this survey. Respondents for this survey were selected from
among those who have volunteered to participate/registered to participate in
online surveys. The results of such surveys cannot be described as
statistically projectable to the target population. Because the sample is based
on those who initially self-selected for participation, no estimates of
sampling error can be calculated.
The following table details the
regional distribution of respondents.
Table A.1
Regional Distribution of Respondents
|
Region
|
Number of respondents
|
|
Atlantic
|
181
|
|
Quebec
|
297
|
|
Ontario
|
1056
|
|
Prairies
|
163
|
|
Alberta
|
256
|
|
British Columbia
|
349
|
|
Territories
|
5
|
|
Total
|
2,307
|
The overall participation rate for this study is 9.3%.
Below is the
calculation of the Web survey’s participation rate. The participation rate is
calculated using the following formula: Participation rate / response rate = R
÷ (U + IS + R). The table below provides details of the calculation.
Table A.2 Participation
Rate Calculation
|
Invalid cases
|
18,816
|
|
Invitations mistakenly sent
to people who did not qualify for the study
|
18,816
|
|
Incomplete or missing email
addresses
|
-
|
|
Unresolved (U)
|
33,888
|
|
Email invitations bounce
back
|
82
|
|
Email invitations
unanswered
|
33,806
|
|
In-scope non-responding
units (IS)
|
1,964
|
|
Non-response from eligible
respondents
|
-
|
|
Respondent refusals
|
-
|
|
Language problem
|
-
|
|
Selected respondent not available
(illness; leave of absence; vacation; other)
|
-
|
|
Early breakoffs
|
1,964
|
|
Responding units (R)
|
3,679
|
|
Surveys disqualified –
quota filled
|
627
|
|
Completed surveys
disqualified for other reasons
|
363
|
|
Completed interviews
|
2,307
|
|
POTENTIALLY ELIGIBLE
(U+IS+R)
|
40,953
|
|
Participation rate= R/(U + IS + R)
|
9.3%
|
Typical participation rates for
web surveys are between 20% and 30%. A response rate of 9.3% may seem a bit
low, but due to the sample specifications, we had to target our sample among
specific demographic groups, which had an impact on the participation rate. In
addition, a logic prioritization that screened out groups in areas where the
quota was already filled also impacted the participation rate.
[QLANG]
Would you prefer to complete the survey in English or French? Préféreriez-vous
répondre à ce questionnaire en anglais ou en français?
Condition: not(QLANG.selected)
Row:
[english] English / Anglais
[french] Français / French
The Financial Consumer Agency of Canada (FCAC) is
conducting this survey on Canadians' use of certain credit products, including
lines of credit, instalment loans, and payday loans. FCAC is an independent
federal government agency responsible for protecting the rights and interests
of consumers of financial products and services. Your answers will help the
FCAC develop a better understanding of these products. Léger Inc. has been
hired to administer the survey.
The survey takes about 20 minutes to complete, and your
participation is voluntary and confidential. Your answers will remain anonymous
and the information you provide will be administered according to the
requirements of the Privacy Act and the Access to Information Act.
A report outlining the results will be posted at Library
and Archives Canada 6 months after the end of fieldwork.
`Click here`_ if you wish to verify the authenticity of
this survey.
`Click here`_ to view our privacy policy. ${""
if list=='101' or list=='5' else res.Intro_Other}
This research project is registered with
CRIC. You can visit the CRIC
website:https://www.canadianresearchinsightscouncil.ca/rvs/home/?lang=en and
enter project code: 20221026-LE766 to verify the authenticity of this survey.
The Financial Consumer Agency of Canada (FCAC) is
conducting this survey on Canadians' use of certain credit products, including
lines of credit, instalment loans, and payday loans. FCAC is an independent
federal government agency responsible for protecting the rights and interests
of consumers of financial products and services. Your answers will help the
FCAC develop a better understanding of these products. Léger Inc. has been
hired to administer the survey.
The survey takes about 20 minutes to complete, and your
participation is voluntary and confidential. Your answers will remain anonymous
and the information you provide will be administered according to the
requirements of the Privacy Act and the Access to Information Act.
A report outlining the results will be posted at Library
and Archives Canada 6 months after the end of fieldwork.
`Click here`_ if you wish to verify the authenticity of
this survey.
https://leger360.com/privacy-policy/ to view
our privacy policy. ${"" if list=='101' or list=='5' else
res.Intro_Other_phone}
This research project is registered with
CRIC. You can visit the CRIC
website:https://www.canadianresearchinsightscouncil.ca/rvs/home/?lang=en and
enter project code: 20221026-LE766 to verify the authenticity of this survey.
Duplicate explicit target name: "click here".
[YOB] In
what year and month were you born?
Condition: 0
Choice:
[ch1900] 1900
[ch1901] 1901
[ch1902] 1902
[ch1903] 1903
[ch1904] 1904
[ch1905] 1905
[ch1906] 1906
[ch1907] 1907
[ch1908] 1908
[ch1909] 1909
[ch1910] 1910
[ch1911] 1911
[ch1912] 1912
[ch1913] 1913
[ch1914] 1914
[ch1915] 1915
[ch1916] 1916
[ch1917] 1917
[ch1918] 1918
[ch1919] 1919
[ch1920] 1920
[ch1921] 1921
[ch1922] 1922
[ch1923] 1923
[ch1924] 1924
[ch1925] 1925
[ch1926] 1926
[ch1927] 1927
[ch1928] 1928
[ch1929] 1929
[ch1930] 1930
[ch1931] 1931
[ch1932] 1932
[ch1933] 1933
[ch1934] 1934
[ch1935] 1935
[ch1936] 1936
[ch1937] 1937
[ch1938] 1938
[ch1939] 1939
[ch1940] 1940
[ch1941] 1941
[ch1942] 1942
[ch1943] 1943
[ch1944] 1944
[ch1945] 1945
[ch1946] 1946
[ch1947] 1947
[ch1948] 1948
[ch1949] 1949
[ch1950] 1950
[ch1951] 1951
[ch1952] 1952
[ch1953] 1953
[ch1954] 1954
[ch1955] 1955
[ch1956] 1956
[ch1957] 1957
[ch1958] 1958
[ch1959] 1959
[ch1960] 1960
[ch1961] 1961
[ch1962] 1962
[ch1963] 1963
[ch1964] 1964
[ch1965] 1965
[ch1966] 1966
[ch1967] 1967
[ch1968] 1968
[ch1969] 1969
[ch1970] 1970
[ch1971] 1971
[ch1972] 1972
[ch1973] 1973
[ch1974] 1974
[ch1975] 1975
[ch1976] 1976
[ch1977] 1977
[ch1978] 1978
[ch1979] 1979
[ch1980] 1980
[ch1981] 1981
[ch1982] 1982
[ch1983] 1983
[ch1984] 1984
[ch1985] 1985
[ch1986] 1986
[ch1987] 1987
[ch1988] 1988
[ch1989] 1989
[ch1990] 1990
[ch1991] 1991
[ch1992] 1992
[ch1993] 1993
[ch1994] 1994
[ch1995] 1995
[ch1996] 1996
[ch1997] 1997
[ch1998] 1998
[ch1999] 1999
[ch2000] 2000
[ch2001] 2001
[ch2002] 2002
[ch2003] 2003
[ch2004] 2004
[ch2005] 2005
[ch2006] 2006
[ch2007] 2007
[ch2008] 2008
[ch2009] 2009
[ch2010] 2010
[ch2011] 2011
[ch2012] 2012
[ch2013] 2013
[ch2014] 2014
[ch2015] 2015
[ch2016] 2016
[ch2017] 2017
[ch2018] 2018
[ch2019] 2019
[ch2020] 2020
[ch2021] 2021
[ch2022] 2022
[Month] In
what year were you born?
Condition: 0
Choice:
[ch1] January
[ch2] February
[ch3] March
[ch4] April
[ch5] May
[ch6] June
[ch7] July
[ch8] August
[ch9] September
[ch10] October
[ch11] November
[ch12] December
Terminate:
terminate for anyone under 18 born in 2004
Condition: (YOB.ch2022 or
YOB.ch2021 or YOB.ch2020 or YOB.ch2019 or YOB.ch2018 or YOB.ch2017 or
YOB.ch2016 or YOB.ch2015 or YOB.ch2014 or YOB.ch2013 or YOB.ch2012 or
YOB.ch2011 or YOB.ch2010 or YOB.ch2009 or YOB.ch2008 or YOB.ch2007 or
YOB.ch2006 or YOB.ch2005) or (YOB.ch2004 and (Month.ch11 or Month.ch12))
[Q2] Which
of the following age categories applies to you?
Row:
[r0] Younger than 18
[r1] Between 18 and 24
[r2] Between 25 and 34
[r3] Between 35 and 44
[r4] Between 45 and 54
[r5] Between 55 and 59
[r6] Between 60 and 64
[r7] Between 65 and 74
[r8] 75 or older
[r9] Prefer not to answer
Unfortunately, based on your responses you are ineligible
to participate in the rest of this survey. Thank you for your time.
[age] How
old are you?
Row:
[r0] Younger than 18
[r1] Between 18 and 24
[r2] Between 25 and 34
[r3] Between 35 and 44
[r4] Between 45 and 54
[r5] Between 55 and 59
[r6] Between 60 and 64
[r7] Between 65 and 74
[r8] 75 or older
[r9] Prefer not to answer
[Q119] In
which province or territory do you currently live?
Row:
[BC] British Columbia
[AB] Alberta
[SK] Saskatchewan
[MB] Manitoba
[ON] Ontario
[QC] Quebec
[NB] New Brunswick
[NS] Nova Scotia
[PE] Prince Edward Island
[NF] Newfoundland
[NT] Northwest Territories
[YK] Yukon
[NU] Nunavut
[r99] I prefer not to say
Unfortunately, based on your responses you are ineligible
to participate in the rest of this survey. Thank you for your time.
[Q120]
Please select the gender* identity that best describes you
* gender refers to current gender, which may be different
from sex assigned at birth and may be different from what is indicated on legal
documents
Row:
[r1] Female
[r2] Male
[r96] Prefer to self-describe:
[r99] I prefer not to say
Please read these
definitions carefully before answering the following questions.
Line of credit – A line
of credit is a type of loan that lets you borrow money up to a pre-set limit. A
line of credit is available for you to use any time. There is no fixed term
with a line of credit. As long as you make minimum payments (usually monthly),
you can choose to pay back only parts of the debt.
Instalment loan – An
instalment loan is a fixed-term type of credit. This means you receive a set
amount of money (the principal) and make regular scheduled payments that
include interest and principal until the loan is paid off in full.
Payday loan - a
payday loan is a type of short-term credit. You can borrow up to $1,500, and
the term for repayment is about 60 days or less. There are many payday lenders
operating across Canada, but some of the more well-known lenders include Money
Mart, Cash Money, and GoDay.
Alternative lender – For the
purposes of this research, an alternative lender is defined as any lender other
than a bank or credit union. Some of the more well-known alternative lenders in
Canada include Cash Money, MoneyMart, easyfinancial, and Fairstone Financial.
[SCREEN]
Do you or your family members work in . . . ?
Please select all that apply.
Column:
[c1] Me
[c2] A family member
Row:
[r1] A marketing research firm
[r2] A magazine or newspaper
[r3] An advertising agency or graphic design firm
[r4] A radio or television station
[r5] A public relations company
[r6] Federal or provincial government
[Q3] Over
the past 3 years, have you used any of the following types of credit in Canada?
Please select all that apply.
Row:
[r1] A line of creditA line of credit is a type of loan
that lets you borrow money up to a pre-set limit. A line of credit is available
for you to use any time. There is no fixed term with a line of credit. As long
as you make minimum payments (usually monthly), you can choose to pay back only
parts of the debt.
[r2] An instalment loanAn instalment loan is a fixed-term
type of credit. This means you receive a set amount of money (the principal)
and make regular scheduled payments that include interest and principal until
the loan is paid off in full.
[r3] A payday loanA payday loan is a type of short-term
credit. You can borrow up to $1,500, and the term for repayment is about 60
days or less. There are many payday lenders operating across Canada, but some
of the more well-known lenders include Money Mart, Cash Money, and GoDay.
[r97] None of the above
[r98] Don't know
[r99] Prefer not to say
Unfortunately, based on your responses you are ineligible
to participate in the rest of this survey. Thank you for your time.
[QualifiedLoanType]
Qualified for INSTALMENT
Row:
[r1] LINES OF CREDIT
[r2] PAYDAY LOANS
[r3] INSTALMENT LOANS
Unfortunately, based on your responses you are ineligible
to participate in the rest of this survey. Thank you for your time.
[Final_LoanType_Selected]
Final_LoanType_Selected
Row:
[r1] LINES OF CREDIT
[r2] PAYDAY LOANS
[r3] INSTALMENT LOANS
Note: QFilt1 must go before the screeners.
Note: On peut ajouter/enlever des groupes, mais il faut
s'assurer que le label du groupe soient présents dans les labels des choix de
réponses assoicés.
[QFilt1]
Please select all the [pipe: QFilt1ChosenGroup] from the following list.
Row:
[groupe1_item1] Apple
[groupe1_item2] Strawberry
[groupe1_item3] Watermelon
[groupe2_item1] Squirrel
[groupe2_item2] Horse
[groupe3_item1] Groupe 3 Item 1
Condition: False
[groupe3_item2] Groupe 3 Item 2
Condition: False
[groupe3_item3] Groupe 3 Item 3
Condition: False
[groupe4_item1] Groupe 4 Item 1
Condition: False
[groupe4_item2] Groupe 4 Item 2
Condition: False
[groupe4_item3] Groupe 4 Item 3
Condition: False
[groupe5_item1] Groupe 5 Item 1
Condition: False
[groupe5_item2] Groupe 5 Item 2
Condition: False
[groupe5_item3] Groupe 5 Item 3
Condition: False
[QFilt1redo]
Please select all the [pipe: QFilt1ChosenGroup] from the following list.
Row:
[groupe1_item1] Apple
[groupe1_item2] Strawberry
[groupe1_item3] Watermelon
[groupe2_item1] Squirrel
[groupe2_item2] Horse
[groupe3_item1] Groupe 3 Item 1
Condition: False
[groupe3_item2] Groupe 3 Item 2
Condition: False
[groupe3_item3] Groupe 3 Item 3
Condition: False
[groupe4_item1] Groupe 4 Item 1
Condition: False
[groupe4_item2] Groupe 4 Item 2
Condition: False
[groupe4_item3] Groupe 4 Item 3
Condition: False
[groupe5_item1] Groupe 5 Item 1
Condition: False
[groupe5_item2] Groupe 5 Item 2
Condition: False
[groupe5_item3] Groupe 5 Item 3
Condition: False
[Q20] When
answering the following questions, please think about the line of credit you
described in a couple sentences. Why did you choose to take out this line of
credit?
Select all that apply.
Row:
[r1] To help pay for necessary and expected expenses
[r2] To help pay for necessary but unexpected expenses (for example, car, home or
appliance repair, emergency medical or dental care, last-minute childcare etc.)
[r3] It was the only credit I could get approved for
[r4] A bank or credit union would not lend me money
[r5] I did not want to get money from a bank or credit
union
[r6] To help me "build" my credit history
[r7] To help improve my credit score
[r8] My bank account was overdrawn
[r9] Credit card(s) were at their limit
[r10] I did not want to ask family or friends for money
[r96] Other (please specify)
[r98] Don't know
[r99] Prefer not to say
[Q40] How
did you deal with this situation?
Condition: Q38.r1
Select all that apply.
Row:
[r1] Went to another lender for a line of credit
[r2] Borrowed another type of credit (not a line of
credit)
[r3] Managed without a loan
[r4] Sold possessions
[r5] Borrowed money from family or friends
[r96] Other (please specify)
[r98] Don't know
[r99] Prefer not to say
[Q41a]
Which other services have you been provided?
Condition: Q41.r1
Select all that apply
Row:
[r1] Credit insurance
[r2] Cheque cashing service
[r3] Auto title loan
[r4] Installment loan
[r5] Line of credit
[r6] Cash for gold
[r7] Instant tax rebate
[r8] Buy-here-pay-here auto loans
[r9] Money orders
[r10] Pawning services
[r11] Rent-to-own furniture
[r96] Other (please specify)
[Q47] To
the best of your knowledge, is the cost of a payday loan…
Select one
Row:
[r1] About the same as a bank loan would be
[r2] More than a bank loan, but less than would be
charged for an outstanding balance or cash advance on a credit card
[r3] About the same as would be charged for an
outstanding balance or cash advance on a credit card
[r4] More than would be charged for an outstanding
balance or cash advance on a credit card
[r98] Don't know
[Q49] On
those occasions when you have used a payday loan, what did you typically need
the money for?
Select one
Row:
[r1] To help pay for a necessary and expected expense
[r2] To help pay for a necessary and unexpected expense
[r3] To avoid late charges on bills (for example, paying
a bill on time when you know money will be coming shortly)
[r4] To pay for something I wanted, but didn’t
necessarily need and didn’t have the immediate cash savings to pay for
[r96] Other (please specify)
[r99] Prefer not to say
[Q50] Why
did you choose to use a payday loan service?
Select all that apply.
Row:
[r1] I did not explore other options before choosing a
payday loan
[r2] I expected to be able to repay the loan very quickly
[r3] A bank or credit union would not lend me money
[r4] I did not have time to get a loan from a bank or
credit union
[r5] I did not want to borrow money from a bank or credit
union
[r6] My bank account was overdrawn
[r7] My credit card(s) were at their limit
[r8] My line of credit was at its limit
[r9] I couldn't get approved for a loan from anywhere
else
[r10] I did not want to ask family or friends for money
[r12] I had no other options
[r11] Other (please specify)
[r13] Prefer not to say
[Q56] How
did you deal with this situation?
Condition: Q54.r1
Select one
Row:
[r1] Went to another payday loan service (and got a
payday loan)
[r2] Borrowed money from a different alternative financial
service provider
[r3] Borrowed from family or friends
[r4] Made do without a loan
[r5] Sold possessions
[r96] Other (please specify)
[r99] Prefer not to say
[Q57] Have
you ever had trouble paying back a payday loan?
Select one
Row:
[r1] No, I paid back my loan(s) in full, and on time.
[r2] Yes, I haven't missed a payment, but I had to extend
the repayment date
[r3] Yes, I usually pay it back on time, but have missed
a payment here and there
[r4] Yes, I regularly miss payments
[r96] Other (please specify)
[r98] Don't know
[r99] Prefer not to say
[Q58] In
this case, what happened/what did you do?
Condition: Q57.r2 or Q57.r3
or Q57.r4
Select one
Row:
[r1] I reached out to the lender, and they deferred my
payments without penalty
[r2] I reached out to the lender, and they deferred my
payments but with a penalty (fee)
[r3] I had to pay a fee, and had to keep making payments
[r4] I had credit insurance that covered the payment
[r5] I had to use another source of credit to make my
payments
[r96] Other, please specify
[r99] Prefer not to say
[r98] Don't know
[Q60] How
was the situation resolved?
Condition: Q59.r1
Select one
Row:
[r1] I paid the collection agency what I owed
[r2] I filed for personal bankruptcy
[r3] Filed a consumer proposal
[r4] The situation has not been resolved
[r96] Other (please specify)
[r99] Prefer not to say
[r98] Don't know
[Q61] How
did you pay back your payday loan(s)?
Select all that apply
Row:
[r1] Used my paycheque
[r2] Took out money from a savings account
[r3] Used overdraft on a bank account
[r4] Cashed in RRSP or other investments
[r5] Borrowed from friends or family
[r6] Borrowed from a bank or credit union
[r7] Accessed cash through credit card
[r8] Accessed cash through line of credit
[r9] Took out a new payday loan(s)
[r10] Sold something
[r11] Went to pawnbroker
[r12] Have not yet paid off my loan(s)
[r96] Other (please specify)
[r99] Prefer not to say
[Q64]
Which other services were you offered by the payday loan company?
Condition: Q63.r1
Select all that apply
Row:
[r1] Credit insurance
[r2] Cheque cashing service
[r3] Auto title loan
[r4] Instalment loan
[r5] Line of credit
[r6] Cash for gold
[r7] Instant tax rebate
[r8] Buy-here-pay-here auto loans
[r9] Money orders
[r10] Pawning services
[r11] Rent-to-own furniture
[r96] Other (please specify)
[r99] Prefer not to say
[Q66] How
easy to understand were the following characteristics of the payday loan?
Select one in each row
Column:
[c5] Very difficult to understand
[c4] Difficult to understand
[c3] Neither difficult nor easy
[c2] Easy to understand
[c1] Very easy to understand
[r99] Prefer not to say
Row:
[r1] The term of the payday loan (how long the loan was
for)
[r2] The total cost of the payday loan (including
interest and fees)
[r3] How to resolve a dispute or complaint
[Q73] When
answering the following questions, please think about the instalment loan you
described in a couple of sentences. Why did you choose to take out this
instalment loan?
Select all that apply
Row:
[r1] To help pay for necessary and expected expenses
[r2] To help pay for necessary but unexpected expenses (for example, car, home or
appliance repair, emergency medical or dental care, last-minute childcare etc.)
[r3] It was the only way I could afford the purchase
[r4] It was the only credit I could get approved for
[r5] A bank or credit union would not lend me money
[r6] I did not want to get money from a bank or credit
union
[r7] My bank account was overdrawn
[r8] To help me “build” my credit history
[r9] To improve my credit score
[r10] Credit card(s) were at their limit
[r11] I did not want to ask family or friends for money
[r12] It was the easiest option available to me
[r96] Other (please specify)
[r98] Don't know
[r99] Prefer not to say
[Q77] When
answering the following questions, please think about the instalment loan you
described in a couple of sentences. What do you use/have you used this
instalment loan for?
Select all that apply
Row:
[r1] To help pay for necessary and expected expenses
[r2] To help pay for necessary but unexpected expenses (for example, car, home or
appliance repair, emergency medical or dental care, last-minute childcare etc.)
[r3] It was the only way I could afford the purchase
[r4] It was the only credit I could get approved for
[r5] A bank or credit union would not lend me money
[r6] I did not want to get money from a bank or credit
union
[r7] My bank account was overdrawn
[r8] To help me “build” my credit history
[r9] To improve my credit score
[r10] Credit card(s) were at their limit
[r11] I did not want to ask family or friends for money
[r12] It was the easiest option available to me
[r96] Other (please specify)
[r98] Don't know
[r99] Prefer not to say
[Q89]
Which alternative lenders have you taken out instalment loans from in the past
3 years?
Condition: (Q88.r1.check('>1'))
Select all that apply
Row:
[r1] easyfinancial (or "goeasy")
[r2] Fairstone Financial
[r3] Cash Money
[r4] FlexMoney
[r5] Money Mart
[r6] Cash 4 You
[r7] Loan Away
[r8] SimplyBorrowed
[r9] SkyCap Financial
[r10] Spring Financial
[r11] Mogo
[r12] Symple Loans
[r13] ConsumerCapital Canada
[r14] Magical Credit
[r96] Other (please specify)
[r98] Don't know
[r99] Prefer not to say
[Q95] How
did you deal with this situation?
Condition: Q93.r1
Select all that apply.
Row:
[r1] Went to another lender for an instalment loan
[r2] Borrowed another type of credit (not an instalment
loan)
[r3] Managed without a loan
[r4] Sold possessions
[r5] Borrowed money from family or friends
[r96] Other (please specify)
[r98] Don't know
[r99] Prefer not to say
[Q97] How
was the situation resolved?
Condition: Q96.r1
Select all that apply.
Row:
[r1] I paid the collection agency what I owed
[r2] I filed for personal bankruptcy
[r3] I filed a consumer proposal
[r4] The situation has not been resolved
[r96] Other (please specify)
[r98] Don't know
[r99] Prefer not to say
[QFilt3Chosen]
Selected answer for QFilt3 - COMPUTED
Column:
[choice_1] Strongly agree
[choice_2] Somewhat agree
[choice_3] Somewhat disagree
[choice_4] Strongly disagree
[choice_8] I don't know
Note: Les groupes 1 et 2 sont réservés pour les demandes
spéciales des clients. La sélection se fait parmis les groupes qui n'ont pas
cond="False". Il faut s'assurer que le label du groupe soir présent
dans les labels des choix de réponses assoicés.
[QFilt2QFilt3groups]
Availlable and selected groups for QFILT2-QFILT3 - COMPUTED
Row:
[groupe1] Groupe 1--Reserved for client provided list
Condition: False
[groupe2] Groupe 2--Reserved for client provided list
Condition: False
[groupe3] Groupe 3 - Premier bloc original
Condition: False
[groupe5] HEALTHCARE / PHARMA
Condition: False
[groupe6] CONSUMER BEHAVIOUR
Condition: False
[groupe7] PERSONALITY / GENERIC
Condition: False
[groupe8] RESPONSIBLITY
[groupe9] Technology
Condition: False
[groupe10] Consumer Behaviour 2
Condition: False
[groupe11] Personality/Generic 2
Condition: False
Note: Sélectionnez directement le groupe à montrer à
QFilt2 et QFilt3 sur demande.
[QFilt2]
Please indicate your agreement or disagreement with the following:
Column:
[choice_1] Strongly agree
[choice_2] Somewhat agree
[choice_3] Somewhat disagree
[choice_4] Strongly disagree
[choice_8] I don't know
Row:
[trap2] To ensure we are capturing your answers
correctly, please select '[pipe: QFilt2Chosen ${'' if (QFilt2Chosen.choice_8
and QLANG.english) else 'lower'}]' for this statement.
[trap3] To ensure we are capturing your answers
correctly, please select '[pipe: QFilt3Chosen ${'' if (QFilt3Chosen.choice_8
and QLANG.english) else 'lower'}]' for this statement.
[groupe1_statement_1] Groupe 1 Statement 1
[groupe1_statement_2] Groupe 1 Statement 2
[groupe1_statement_3] Groupe 1 Statement 3
[groupe1_statement_4] Groupe 1 Statement 4
[groupe1_statement_5] Groupe 1 Statement 5
[groupe1_statement_6] Groupe 1 Statement 6
[groupe1_statement_7] Groupe 1 Statement 7
[groupe1_statement_8] Groupe 1 Statement 8
[groupe1_statement_9] Groupe 1 Statement 9
[groupe1_statement_10] Groupe 1 Statement 10
[groupe1_statement_11] Groupe 1 Statement 11
[groupe1_statement_12] Groupe 1 Statement 12
[groupe1_statement_13] Groupe 1 Statement 13
[groupe1_statement_14] Groupe 1 Statement 14
[groupe2_statement_1] Groupe 2 Statement 1
[groupe2_statement_2] Groupe 2 Statement 2
[groupe2_statement_3] Groupe 2 Statement 3
[groupe2_statement_4] Groupe 2 Statement 4
[groupe2_statement_5] Groupe 2 Statement 5
[groupe2_statement_6] Groupe 2 Statement 6
[groupe2_statement_7] Groupe 2 Statement 7
[groupe2_statement_8] Groupe 2 Statement 8
[groupe2_statement_9] Groupe 2 Statement 9
[groupe2_statement_10] Groupe 2 Statement 10
[groupe2_statement_11] Groupe 2 Statement 11
[groupe2_statement_12] Groupe 2 Statement 12
[groupe2_statement_13] Groupe 2 Statement 13
[groupe2_statement_14] Groupe 2 Statement 14
[groupe3_statement_1] Climate change is too controversial
to be discussed in classrooms
[groupe3_statement_2] Companies should offer their
employees unlimited vacation days
[groupe3_statement_3] The minimum age to drive should be
21 years old
[groupe3_statement_4] Investing in real estate is a good
idea
[groupe3_statement_5] Financial literacy and budget
development should be a mandatory part of the high school curriculum
[groupe3_statement_6] A plant-based diet is the way of
the future
[groupe3_statement_7] The benefits of social media
outweigh its pitfalls
[groupe3_statement_8] Voting in federal elections should
be mandatory
[groupe3_statement_9] A 4-day work week would boost
employee productivity and satisfaction
[groupe3_statement_10] A University education is crucial
nowadays
[groupe3_statement_11] Limiting your screen time on
mobile devices is key to a healthy lifestyle
[groupe3_statement_12] The key to multitasking is doing
one thing at a time
[groupe3_statement_13] I feel comfortable that my
personal information online is protected
[groupe3_statement_14] Applying sunscreen should be a
daily habit year-round
[groupe5_statement_1] I believe that everyone should be
vaccinated to help protect from spreading disease / infection to others
[groupe5_statement_2] I believe that being vaccinated can
cause more problems than protection
[groupe5_statement_3] If my doctor suggests a vaccination,
I would get it without hesitation
[groupe5_statement_4] Vaccines can lead to long-term
health problems
[groupe5_statement_5] Doctors are generally too quick to
vaccinate
[groupe5_statement_6] Some vaccines should be mandatory
[groupe5_statement_7] I am closely following updates on
the COVID-19 vaccine
[groupe5_statement_8] I prefer to see my doctor in person
for any reason
[groupe5_statement_9] If I only need to get a refill on
my prescription, I would prefer a telephone consult with my doctor
[groupe5_statement_10] I prefer to see my doctor
virtually for some of my appointments
[groupe5_statement_11] I believe virtual counseling /
therapy sessions are just as good as in-person ones
[groupe5_statement_12] Mental illness can happen to anybody
[groupe5_statement_13] You can tell by looking at someone
whether they have a mental illness
[groupe5_statement_14] I value my local hospital
[groupe6_statement_1] I prefer to buy food products that
are grown / manufactured locally
[groupe6_statement_2] I specifically choose products that
I know respect human rights
[groupe6_statement_3] It is essential to support small
farmers and ensure they are paid a fair price
[groupe6_statement_4] I go to the grocery store because I
like to pick my own produce
[groupe6_statement_5] I prefer shopping in-store more
than I do online
[groupe6_statement_6] I only purchase things when they
are on sale
[groupe6_statement_7] I would consider an electric
vehicle for my next vehicle
[groupe6_statement_8] It is worth the extra money to have
the most up-to-date technology
[groupe6_statement_9] I like to change brands often for
the sake of variety
[groupe6_statement_10] I know I ought to save but I just
love to spend
[groupe6_statement_11] I enjoy owning recognizable luxury
brands
[groupe6_statement_12] I like to be the first to try new
trends
[groupe6_statement_13] I believe sales taxes should be
included in the displayed prices in stores
[groupe6_statement_14] I like to keep up with the latest
trends
[groupe7_statement_1] I typically try to get at least 8
hours of sleep a night
[groupe7_statement_2] I try to floss my teeth everyday
[groupe7_statement_3] I feel accomplished when I create a
to do list and check items off
[groupe7_statement_4] I prefer a quiet, secure life to an
adventurous one
[groupe7_statement_5] I like to stand out from the crowd
[groupe7_statement_6] I think others get more out of life
than I do
[groupe7_statement_7] I enjoy warmer weather, rather than
colder weather
[groupe7_statement_8] I believe my life is "on
track"
[groupe7_statement_9] I believe, in general, that my
work/life balance is healthy
[groupe7_statement_10] The general public is
understanding towards people who suffer from mental health conditions
[groupe7_statement_11] When I think about my personality,
I feel like I am more of a cat
[groupe7_statement_12] Owning a pet adds color to one’s
life
[groupe7_statement_13] I am an extroverted person
[groupe7_statement_14] Exercise is an important part of
my week
[groupe8_statement_1] I am more environmentally
responsible than my neighbors and friends
[groupe8_statement_2] I’d be willing to pay more for
products that reduce pollution or save resources
[groupe8_statement_3] I seek advice from many sources
before making any financial decisions
[groupe8_statement_4] I try to get as much fun out of
life as possible, even if it means sometimes neglecting more serious things
[groupe8_statement_5] Buying from Canadian businesses is
important to me
[groupe8_statement_6] University prepares students for
the best possible future
[groupe8_statement_7] College prepares students for the
best possible future
[groupe8_statement_8] My local police service makes me
feel safe
[groupe8_statement_9] My next vehicle will be gas powered
[groupe8_statement_10] I believe composting is a
responsibility that should be adopted by all members of society
[groupe8_statement_11] I typically wait for passengers to
exit from the from public transportation vehicles before trying to enter them
[groupe8_statement_12] I think volunteering is something
all members of society should strive to do
[groupe8_statement_13] I think it is important to drink
at least 7 glasses of water per day
[groupe8_statement_14] I feel it is important to stay up
to date on international new events
[groupe9_statement_1] For me, technological products are
purely functional (utilitarian).
[groupe9_statement_2] Technological products are an
important source of entertainment for me.
[groupe9_statement_3] I learn very quickly how to use a
new technology.
[groupe9_statement_4] At first, I have some fears about
using new technology.
[groupe9_statement_5] It takes a great deal of technical
knowledge to use technological products to their full potential.
[groupe9_statement_6] I often ask people around me for
help when using technological devices.
[groupe9_statement_7] In my opinion, it’s risker to make
a purchase from a cell phone than from a computer.
[groupe9_statement_8] As soon as a new technology is
introduced on the market, I am one of the first to buy it.
[groupe9_statement_9] I’m willing to pay more for a
product with a design that stands out.
[groupe9_statement_10] I seek out products that my
friends and family don’t have.
[groupe9_statement_11] It is important that people around
me have the impression that I’m successful.
[groupe9_statement_12] I’m constantly looking for new
experiences.
[groupe9_statement_13] In general, I consider myself to
be very loyal to brands.
[groupe9_statement_14] To me, consumption, buying myself
something is one of the great pleasures in life.
[groupe10_statement_1] To make sure I don’t forget
anything, I plan all the household chores to be done during the week.
[groupe10_statement_2] All my recreational activities for
the week are usually planned out.
[groupe10_statement_3] I leave little room for
spontaneity in my daily life.
[groupe10_statement_4] When I find a new product that I
like, I usually recommend it to others.
[groupe10_statement_5] I trust what is said on social
networks to make purchases.
[groupe10_statement_6] I use social media to stay
informed about products and receive promotional offers from retailers.
[groupe10_statement_7] I’m willing to accept a job that I
don’t much like to get a better salary.
[groupe10_statement_8] I prefer spending than saving.
[groupe10_statement_9] I’d rather postpone a purchase
than buy on credit.
[groupe10_statement_10] I tend to buy based on quality
and not on price.
[groupe10_statement_11] I prefer to do transactions
online myself rather than rely on an advisor.
[groupe10_statement_12] It’s very important for me to
make money because I like to buy myself nice things.
[groupe10_statement_13] I’d rather spend an evening at
home than go out.
[groupe10_statement_14] Passion in love is essential in
my life.
[groupe11_statement_1] I spend all my free time with my
family.
[groupe11_statement_2] Family comes first, it’s the most
important thing.
[groupe11_statement_3] Thrill seeking makes me feel like
I exist.
[groupe11_statement_4] I spend a lot of time cultivating
my friendships.
[groupe11_statement_5] Expressing my creativity and
originality is necessary for my own personal growth.
[groupe11_statement_6] Sports and working out are
essential for my well-being.
[groupe11_statement_7] In all situations, you have to be
honest and tell the truth.
[groupe11_statement_8] To be proud of myself, I have to
reach very high goals, and even surpass them.
[groupe11_statement_9] Every day I strive to expand my
knowledge and general culture.
[groupe11_statement_10] Fun and entertainment are a
priority in my life.
[groupe11_statement_11] I always respect rules and
authority.
[groupe11_statement_12] Freedom of opinion and expression
should be respected in all situations.
[groupe11_statement_13] To be happy, I need stability and
routine.
[groupe11_statement_14] I place great importance on
religious and spiritual values in my life.
[Q99NEW]
How would you rate yourself on the following?
Select one in each row
Column:
[c1] Very good
[c2] Good
[c3] Somewhat good
[c4] Not good
[c99] Prefer not to say
Row:
[r1] Your level of financial knowledge
[r2] Keeping track of money
[r3] Making ends meet
[r4] Shopping around to get the best financial product
[r5] Staying informed about financial issues
[Q114a]
How often do you find yourself in the following situations?
Select one in each row
Column:
[c4] Very often
[c3] Sometimes
[c2] Not too often
[c1] Never
[c98] Prefer not to say
[c99] I do not have this type of financial product or service
Row:
[r1] My bank account is overdrawn
[r2] My credit card is at its limit
[r3] My line of credit is at its limit
[Q114b] a
Column:
[c4] Very often
[c3] Sometimes
[c2] Not too often
[c1] Never
[c98] Prefer not to say
Row:
[r4] I live paycheque to paycheque
[r5] I rely on credit to cover every-day expenses
[r6] I can save some money for emergencies or unexpected
expenses
[Q115] How
much do you agree or disagree with the following statements?
Select one in each row
Column:
[c4] Strongly agree
[c3] Agree
[c2] Disagree
[c1] Strongly disagree
[c99] Prefer not to say
Row:
[r1] I tend to live for today and let tomorrow take care
of itself
[r2] Paying bills on time is important to me
[r3] I keep a close personal watch on my financial
affairs
[r4] I set long-term financial goals and strive to
achieve them
[r5] I am satisfied with my present financial situation
[r6] I have too much debt right now
[Q117]
What is your primary source for financial services?
Select one
Row:
[r1] Traditional financial service provider like a bank
or credit union
[r2] Alternative financial services provider including
payday lenders, car dealerships, cheque cashing outlets, pawnshops, and online
lenders (For example, Fairstone Financial, LendDirect, Cash Money, Money Mart,
easyfinancial (or "goeasy"))
[r3] None, I don't have a primary source for financial
services
[r96] Other (please specify)
[r98] Don't know
[r99] Prefer not to say
[Q118] Do
you currently have (or have you used within the past 3 years) any of the
following financial products or services?
Select all that apply
Row:
[r1] Chequing or savings account
[r2] Registered Retirement Savings Plan
[r3] Other investments (stocks, bonds, etc.)
[r4] Registered Education Savings Plan
[r5] Tax-Free Savings Account
[r6] Credit card(s)
[r7] Crypto-currencies or crypto-assets (for example,
Bitcoin or Ethereum)
[r8] Cheque cashing service
[r9] Auto title loan
[r10] Cash for gold
[r11] Instant tax rebate
[r12] Buy-now-pay-later service (online)
[r13] Buy-now-pay-later service (in-store)
[r14] Buy-here-pay-here auto loans
[r15] Money orders
[r16] Pawnshops
[r17] Loan shark
[r18] Rent-to-own furniture
[r96] Other (please specify)
[r97] None of the above
[r98] Don't know
[r99] Prefer not to say
Note: QFilt3 goes after the survey body, before the final
demographic questions.
[QFilt3]
Please indicate your agreement or disagreement with the following:
Condition: QFilt2valid.r0
Column:
[choice_1] Strongly agree
[choice_2] Somewhat agree
[choice_3] Somewhat disagree
[choice_4] Strongly disagree
[choice_8] I don't know
Row:
[trap2] To ensure we are capturing your answers
correctly, please select '[pipe: QFilt2Chosen ${'' if (QFilt2Chosen.choice_8
and QLANG.english) else 'lower'}]' for this statement.
[trap3] To ensure we are capturing your answers
correctly, please select '[pipe: QFilt3Chosen ${'' if (QFilt3Chosen.choice_8
and QLANG.english) else 'lower'}]' for this statement.
[groupe1_statement_1] Groupe 1 Statement 1
[groupe1_statement_2] Groupe 1 Statement 2
[groupe1_statement_3] Groupe 1 Statement 3
[groupe1_statement_4] Groupe 1 Statement 4
[groupe1_statement_5] Groupe 1 Statement 5
[groupe1_statement_6] Groupe 1 Statement 6
[groupe1_statement_7] Groupe 1 Statement 7
[groupe1_statement_8] Groupe 1 Statement 8
[groupe1_statement_9] Groupe 1 Statement 9
[groupe1_statement_10] Groupe 1 Statement 10
[groupe1_statement_11] Groupe 1 Statement 11
[groupe1_statement_12] Groupe 1 Statement 12
[groupe1_statement_13] Groupe 1 Statement 13
[groupe1_statement_14] Groupe 1 Statement 14
[groupe2_statement_1] Groupe 2 Statement 1
[groupe2_statement_2] Groupe 2 Statement 2
[groupe2_statement_3] Groupe 2 Statement 3
[groupe2_statement_4] Groupe 2 Statement 4
[groupe2_statement_5] Groupe 2 Statement 5
[groupe2_statement_6] Groupe 2 Statement 6
[groupe2_statement_7] Groupe 2 Statement 7
[groupe2_statement_8] Groupe 2 Statement 8
[groupe2_statement_9] Groupe 2 Statement 9
[groupe2_statement_10] Groupe 2 Statement 10
[groupe2_statement_11] Groupe 2 Statement 11
[groupe2_statement_12] Groupe 2 Statement 12
[groupe2_statement_13] Groupe 2 Statement 13
[groupe2_statement_14] Groupe 2 Statement 14
[groupe3_statement_1] Climate change is too controversial
to be discussed in classrooms
[groupe3_statement_2] Companies should offer their
employees unlimited vacation days
[groupe3_statement_3] The minimum age to drive should be
21 years old
[groupe3_statement_4] Investing in real estate is a good
idea
[groupe3_statement_5] Financial literacy and budget
development should be a mandatory part of the high school curriculum
[groupe3_statement_6] A plant-based diet is the way of
the future
[groupe3_statement_7] The benefits of social media
outweigh its pitfalls
[groupe3_statement_8] Voting in federal elections should
be mandatory
[groupe3_statement_9] A 4-day work week would boost
employee productivity and satisfaction
[groupe3_statement_10] A University education is crucial
nowadays
[groupe3_statement_11] Limiting your screen time on
mobile devices is key to a healthy lifestyle
[groupe3_statement_12] The key to multitasking is doing
one thing at a time
[groupe3_statement_13] I feel comfortable that my
personal information online is protected
[groupe3_statement_14] Applying sunscreen should be a
daily habit year-round
[groupe5_statement_1] I believe that everyone should be
vaccinated to help protect from spreading disease / infection to others
[groupe5_statement_2] I believe that being vaccinated can
cause more problems than protection
[groupe5_statement_3] If my doctor suggests a
vaccination, I would get it without hesitation
[groupe5_statement_4] Vaccines can lead to long-term
health problems
[groupe5_statement_5] Doctors are generally too quick to
vaccinate
[groupe5_statement_6] Some vaccines should be mandatory
[groupe5_statement_7] I am closely following updates on
the COVID-19 vaccine
[groupe5_statement_8] I prefer to see my doctor in person
for any reason
[groupe5_statement_9] If I only need to get a refill on
my prescription, I would prefer a telephone consult with my doctor
[groupe5_statement_10] I prefer to see my doctor
virtually for some of my appointments
[groupe5_statement_11] I believe virtual counseling /
therapy sessions are just as good as in-person ones
[groupe5_statement_12] Mental illness can happen to
anybody
[groupe5_statement_13] You can tell by looking at someone
whether they have a mental illness
[groupe5_statement_14] I value my local hospital
[groupe6_statement_1] I prefer to buy food products that
are grown / manufactured locally
[groupe6_statement_2] I specifically choose products that
I know respect human rights
[groupe6_statement_3] It is essential to support small
farmers and ensure they are paid a fair price
[groupe6_statement_4] I go to the grocery store because I
like to pick my own produce
[groupe6_statement_5] I prefer shopping in-store more
than I do online
[groupe6_statement_6] I only purchase things when they
are on sale
[groupe6_statement_7] I would consider an electric
vehicle for my next vehicle
[groupe6_statement_8] It is worth the extra money to have
the most up-to-date technology
[groupe6_statement_9] I like to change brands often for
the sake of variety
[groupe6_statement_10] I know I ought to save but I just
love to spend
[groupe6_statement_11] I enjoy owning recognizable luxury
brands
[groupe6_statement_12] I like to be the first to try new
trends
[groupe6_statement_13] I believe sales taxes should be
included in the displayed prices in stores
[groupe6_statement_14] I like to keep up with the latest
trends
[groupe7_statement_1] I typically try to get at least 8
hours of sleep a night
[groupe7_statement_2] I try to floss my teeth everyday
[groupe7_statement_3] I feel accomplished when I create a
to do list and check items off
[groupe7_statement_4] I prefer a quiet, secure life to an
adventurous one
[groupe7_statement_5] I like to stand out from the crowd
[groupe7_statement_6] I think others get more out of life
than I do
[groupe7_statement_7] I enjoy warmer weather, rather than
colder weather
[groupe7_statement_8] I believe my life is "on
track"
[groupe7_statement_9] I believe, in general, that my
work/life balance is healthy
[groupe7_statement_10] The general public is understanding
towards people who suffer from mental health conditions
[groupe7_statement_11] When I think about my personality,
I feel like I am more of a cat
[groupe7_statement_12] Owning a pet adds color to one’s
life
[groupe7_statement_13] I am an extroverted person
[groupe7_statement_14] Exercise is an important part of
my week
[groupe8_statement_1] I am more environmentally
responsible than my neighbors and friends
[groupe8_statement_2] I’d be willing to pay more for
products that reduce pollution or save resources
[groupe8_statement_3] I seek advice from many sources
before making any financial decisions
[groupe8_statement_4] I try to get as much fun out of
life as possible, even if it means sometimes neglecting more serious things
[groupe8_statement_5] Buying from Canadian businesses is
important to me
[groupe8_statement_6] University prepares students for
the best possible future
[groupe8_statement_7] College prepares students for the
best possible future
[groupe8_statement_8] My local police service makes me
feel safe
[groupe8_statement_9] My next vehicle will be gas powered
[groupe8_statement_10] I believe composting is a
responsibility that should be adopted by all members of society
[groupe8_statement_11] I typically wait for passengers to
exit from the from public transportation vehicles before trying to enter them
[groupe8_statement_12] I think volunteering is something
all members of society should strive to do
[groupe8_statement_13] I think it is important to drink
at least 7 glasses of water per day
[groupe8_statement_14] I feel it is important to stay up
to date on international new events
[groupe9_statement_1] For me, technological products are
purely functional (utilitarian).
[groupe9_statement_2] Technological products are an
important source of entertainment for me.
[groupe9_statement_3] I learn very quickly how to use a
new technology.
[groupe9_statement_4] At first, I have some fears about
using new technology.
[groupe9_statement_5] It takes a great deal of technical
knowledge to use technological products to their full potential.
[groupe9_statement_6] I often ask people around me for
help when using technological devices.
[groupe9_statement_7] In my opinion, it’s risker to make
a purchase from a cell phone than from a computer.
[groupe9_statement_8] As soon as a new technology is
introduced on the market, I am one of the first to buy it.
[groupe9_statement_9] I’m willing to pay more for a
product with a design that stands out.
[groupe9_statement_10] I seek out products that my
friends and family don’t have.
[groupe9_statement_11] It is important that people around
me have the impression that I’m successful.
[groupe9_statement_12] I’m constantly looking for new
experiences.
[groupe9_statement_13] In general, I consider myself to
be very loyal to brands.
[groupe9_statement_14] To me, consumption, buying myself
something is one of the great pleasures in life.
[groupe10_statement_1] To make sure I don’t forget
anything, I plan all the household chores to be done during the week.
[groupe10_statement_2] All my recreational activities for
the week are usually planned out.
[groupe10_statement_3] I leave little room for
spontaneity in my daily life.
[groupe10_statement_4] When I find a new product that I
like, I usually recommend it to others.
[groupe10_statement_5] I trust what is said on social
networks to make purchases.
[groupe10_statement_6] I use social media to stay
informed about products and receive promotional offers from retailers.
[groupe10_statement_7] I’m willing to accept a job that I
don’t much like to get a better salary.
[groupe10_statement_8] I prefer spending than saving.
[groupe10_statement_9] I’d rather postpone a purchase
than buy on credit.
[groupe10_statement_10] I tend to buy based on quality
and not on price.
[groupe10_statement_11] I prefer to do transactions
online myself rather than rely on an advisor.
[groupe10_statement_12] It’s very important for me to
make money because I like to buy myself nice things.
[groupe10_statement_13] I’d rather spend an evening at
home than go out.
[groupe10_statement_14] Passion in love is essential in
my life.
[groupe11_statement_1] I spend all my free time with my
family.
[groupe11_statement_2] Family comes first, it’s the most
important thing.
[groupe11_statement_3] Thrill seeking makes me feel like
I exist.
[groupe11_statement_4] I spend a lot of time cultivating
my friendships.
[groupe11_statement_5] Expressing my creativity and
originality is necessary for my own personal growth.
[groupe11_statement_6] Sports and working out are
essential for my well-being.
[groupe11_statement_7] In all situations, you have to be
honest and tell the truth.
[groupe11_statement_8] To be proud of myself, I have to
reach very high goals, and even surpass them.
[groupe11_statement_9] Every day I strive to expand my
knowledge and general culture.
[groupe11_statement_10] Fun and entertainment are a
priority in my life.
[groupe11_statement_11] I always respect rules and
authority.
[groupe11_statement_12] Freedom of opinion and expression
should be respected in all situations.
[groupe11_statement_13] To be happy, I need stability and
routine.
[groupe11_statement_14] I place great importance on
religious and spiritual values in my life.
[QFilt3valid]
Is QFilt3 answer valid? - COMPUTED
Condition: QFilt2valid.r0
Row:
[r0] No
[r1] Yes
${printPayload(API_ID=API_QFilt3,
payloadName=p.QFilt3Data)}
Unfortunately, based on your responses you are ineligible
to participate in the rest of this survey. Thank you for your time.
Terminate:
Term at QFilt2 / QFilt3
Condition: (QFilt2valid.r0)
and (QFilt3valid.r0)
These last few questions are strictly for statistical
purposes. They will help us group your answers with others that we will receive
in this survey. All your answers are completely confidential.
[Q128] Do
you identify as a person with a disability? A person with a disability is a
person who has a long-term or recurring impairment (such as vision, hearing,
mobility, flexibility, dexterity, pain, learning, developmental, memory or
mental health-related) which limits their daily activities inside or outside
the home (such as at school, work, or in the community in general).
Select one
Row:
[r1] Yes
[r2] No
[r98] Don't know
[r99] I prefer not to say
[Q129]
What is the highest level of education you have completed?
Select one
Row:
[r1] Some high school or less
[r2] High school diploma or equivalent
[r3] Some college or university without a diploma,
certificate, or degree (includes some trade, vocational or technical school,
CEGEP or university)
[r4] Registered Apprenticeship or other trades
certificate or diploma
[r5] College, CEGEP or other non-university certificate
or diploma
[r6] University certificate or diploma below bachelor's
level
[r7] Bachelor's degree
[r8] Post graduate degree above bachelor's level
(including professional degree)
[r98] Don't know
[r99] I prefer not to say
[Q130]
Which of the following categories best describes your total household income
last year (2021)? That is, the total income of all persons in your household
combined, before taxes?
Select one
Row:
[r1] Under $20,000
[r2] Between $20,000 and just under $32,000
[r3] Between $32,000 and just under $40,000
[r4] Between $40,000 and just under $55,000
[r5] Between $55,000 and just under $80,000
[r6] Between $80,000 and just under $100,000
[r7] Between $100,000 and just under $120,000
[r8] Between $120,000 and just under $150,000
[r9] Between $150,000 and just under $200,000
[r10] $200,000 and above
[r99] Prefer not to say
[Q132]
What is the total amount of non-mortgage debt you are currently carrying? If
you can’t remember, you can estimate.
Select one
Row:
[r1] Under $1,000
[r2] $1,001 to 5,000
[r3] $5,001 to $10,000
[r4] $10,001 to $20,000
[r5] $20,001 to $50,000
[r6] $50,001 to $100,000
[r7] More than $100,000
[r98] Don't know
[r99] I prefer not to say
[Q133]
Which of the following would best describe your current work status?
Select one
Row:
[r1] Working full-time (35 hours or more per week)
[r2] Working part-time (less than 35 hours per week)
[r3] Self-employed
[r4] Unemployed, but looking for work
[r5] Temporarily unemployed (waiting to be recalled or seasonal
employee laid off for the season)
[r6] Student attending school full-time
[r7] Retired
[r8] Not in the workforce (full-time homemaker,
caregiver, full-time parent, or unemployed and not looking for work)
[r9] Other employment status
[r99] I prefer not to say
[Q133b]
What industry best describes where you currently work (employed or
self-employed)?
Condition: Q133.r1 or Q133.r2
or Q133.r3
Please select all that apply.
Row:
[r1] Accommodation and food services
[r2] Administrative and support
[r3] Agriculture, forestry, fishing, and hunting
[r4] Arts, entertainment, and recreation
[r5] Childcare
[r6] Communications
[r7] Construction
[r8] Educational services
[r9] Emergency and security services
[r10] Finance and insurance
[r11] Health care and social assistance
[r12] Information
[r13] Library
[r14] Management of companies and enterprises
[r15] Manufacturing
[r16] Mining, quarrying, and oil and gas extraction
[r17] Municipal
[r18] Federal or provincial government
[r19] Professional, scientific, and technical services
[r20] Public administration
[r21] Real estate, rental, and leasing
[r22] Retail
[r23] Social services
[r24] Trade
[r25] Transportation and warehousing
[r26] Utilities
[r27] Waste management and remediation services
[r28] Wholesale trade
[r96] Other (please specify)
[r99] I prefer not to say