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January 2016 | Business Insight
RESEARCH REPORT ON THE LIFESTYLE
OF BAKU CITIZENS
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3
About the research
Objective? Target Group? Sample?
Coverage?
2016
Time length? Survey Method
About the research
Number of respondents: : 619 The main research objective of the
project is to learn the lifestyle of residents of the capital
A representative of Baku residents (which are mainly focused)
Research was carried out with households using the method of random selection
The surveys were carried out in 11 districts of Baku
StartedJANUARY
21
FinishedJANUARY
30
Citizenship status of respondents (%)
Sex of respondent (%)
18-24 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-65
17.8 16.212.6
9.9 9.5 10.78.9 7.8 6.8
38
Age of respondent (%)Average age
Demographic information
High Secondary specialised
Secondary
43
20
36
Education level of respondent (%)
Single; 25.6
Married; 70
Widow(er)/ Divorsed, 4,4
Male; 50,2Female;
49,8
6
CONCLUSIONS OF RESEARCH
7
Half of the respondents are workers (48%)
Base: 619
Yes; 48
No; 19
Pensioner; 9 Stud
ent;
5,8
House
wife19
Do you work? (%)
8
Most of the respondents think that dollar will rise again
Base: 619
Could you tell me please, what is your expectation for the dollar exchange rate over the next 1 month? (%)
Will descent Constant Will rise Don't know
13.4
28.9
47.0
10.7
Will desce
nt
Constan
tWill rise Don’t
know BASE
Male 12,9 33,4 43,1 10,6 311
Female 14 24,4 51 10,7 308
High 10,4 30,6 52,6 6,3 268
Secondary/Secondary specialized
15,7 27,6 42,7 14 351
I have credit in USD dollar 15,9 28 47,7 8,4 107
I have credit in Manat 12 32,8 47,2 8 250
I don’t have credit 13,6 27,2 46,2 13 316
Financial situation will
improve after 1 year
18,9 30,3 39,7 11,1 297
Financial situation will be
worse after 1 year
8,1 19,9 64 8,1 186
Financial situation will stay constant after 1
year8,8 38,2 39,7 13,2 136
9
Capital Bank was chosen as the most reliable bank
Base: 619
Could you tell me please, what is the most reliable bank for you? (%)None of
them
1.0
1.1
1.1
1.3
1.6
1.6
2.1
2.4
6.3
9.0
10.3
11.0
11.3
33.1
ParaBank 0,8%TuranBank 0,8%AmrahBank 0,8%Mugan Bank 0,5%Azər Türk Bank 0,5%Nikoyl Bank 0,5%TexnikaBank 0,3%AGBank 0,3%Zaminbank 0,3%XalqBank 0,2%Bank of Azerbaijan 0,2%
Do not know 1,5%
Bank Respublika
AccessBank
Capital Bank
Bank of Baku
The IBA
Unibank
None of them
4.1
6.6
10.3
12.7
13.5
14.4
25.42015 MAY
KapitalBank Unibank BOB ABB Othe
rNone of
them Base
Male 15,1 11,3 8,7 8,7 24,1 32,1 311
Female 7,5 10,7 12 9,4 23,4 37 308
High 11,9 10,8 10,8 10,4 25,1 31 268
Secondary/ secondary specialized
10,8 11,1 10 8 22,8 37,3 351
I have loan 12,5 13,9 11,2 8,3 27,7 26,4 303
I don’t have any loan 10,1 8,3 9,5 9,8 19,9 42,4 316
Working 9,8 12,8 10,5 8,8 26,4 31,7 296
Not working 14,4 9,3 11 7,7 22,9 34,7 118
Pensioner 11,1 9,3 5,6 9,3 13 51,7 54
Student 19,4 5,6 8,3 5,6 27,8 33,3 36
Housewife 9,6 10,4 12,2 12,2 21,7 33,9 115
None of them
1
1
1
1
2
3
5
6
11
13
14
35
10
The Capital Bank has strengthened its position during the last 6 month
During the financial difficulties(when you need money)which of the counselor bank’s name can you mention? (%)
Bank Respublika
AccessBank
The IBA
Kapital Bank
Bank of Baku
Unibank
None of them
3
5.6
7.8
8.5
14
16
33.62015 MAY
Bank Standart 0,8%PaşaBank 0,6%Nikoyl Bank 0,6%TuranBank 0,6%Mugan Bank 0,5%TexnikaBank 0,5%ParaBank 0,5%EmrahBank 0,5%AGBank 0,3%Zaminbank 0,3%ASBank 0,2%XalqBank 0,2%Bank of Azerbaijan 0,2%Do not know 0,2%Base:
619
KapitalBank
Unibank BOB ABB Oth
erNone
of them
Base
Male 12,2 12,9 12,2 5,5 21,2 36 311
Female 9,1 15,3 13 5,5 23,1 34 308
I have loan 12,2 18,8 16,2 5,9 24,1 22,8 303
I don’t have any loan 9,2 9,5 9,2 5,1 20,3 46,7 316
Working 12,8 16,9 14,9 5,1 20,9 29,4 296
Not working 9,3 9,3 13,6 4,2 26,3 37,3 118
Pensioner 10,6 13 3,7 5,6 16,7 50,4 54
Student 13,9 13,9 2,8 8,3 25 36,1 36
Housewife 7,8 12,2 13 7 22,6 37,4 115
11
There is no any changing in the number of those who don’t want to get a loan from bank
Are you going to get the loan from bank? (%)
Yes; 15.7
No; 82.4
Don't know; 1.9
Yes; 10.1
No; 83.9
Don’t know;6,0
2015 MAY
Base: 619
During the financial difficulties(when you need money)which of the counselor bank’s name can you
mention?
KapitalBank Unibank BOB ABB Othe
rDo not know BASE
Are you going to
get a loan from bank?
Yes 17,6 20 15,3 10,6 35,3 1,2 85
No 9,9 12,6 12,6 4,8 20,2 39,9 516
12
Those having a credit debt is more observed living in the surrounding districts of Baku
Base : 619
Do you/anyone in your house has any loan(%)
Yes,have; 49no, haven't; 51
Manat Dollar
82.5
35.3
Base: Who have loan: 303
What is your loan currency? (%) Do you/some in your house have any
loan(%)
Yes No Base
What are you thinking
about your financial
situation after 1 year, will it
improve or be worse?
Will improve 51,9 48,1 297
Will be worse 48,4 51,6 186
Will stay constan
t43,4 56,6 136
Binagadi 54,8 45,2 42
Sabail 45,5 54,5 55
Sabunchu 51,2 48,8 43
Nasimi 44,4 55,6 63
Nizami 50 50 54
Yasamal 37,5 62,5 72
Suraxanı 35,6 64,4 45
Garadagh 68,5 31,5 54Hazar 51,4 48,6 37
Narimanov 51,9 48,1 77
Hatai 50,6 49,4 77
13
Garadagh district is more prone getting loan
Base: 619
Do you prefer to get loan from anyone instead of getting from bank with less Interest? (%)
Yes;
48.6
No; 51.4
Yes No Base
I have loan 60,1 39,9 303
I don’t have any loan 37,7 62,3 316
18-24 38,2 61,8 110
25-29 55 45 100
30-34 51,3 48,7 78
35-39 49,2 50,8 61
40-44 66,1 33,9 59
45-49 45,5 54,5 66
50-54 40 60 55
55-59 52,1 47,9 48
60-65 42,9 57,1 42
Binagadi 38,1 61,9 42
Sabail 43,6 56,4 55
Sabunchu 58,1 41,9 43
Nasimi 54 46 63
Nizami 40,7 59,3 54
Yasamal 52,8 47,2 72
Suraxanı 33,3 66,7 45
Garadagh 63 37 54
Hazar 54,1 45,9 37
Narimanov 42,9 57,1 77
Hatai 51,9 48,1 77
14
The number of those who are decreasing their monthly expenses increased
Base : 619
Do you have any decreasing in your monthly expenses or it is constant? (%)
There are decreasing, 60,5
There are no decreasing,35,9
Another
one doe
s shopping; 3,6
There is decreas-ing
; 41
Another one does
shopping; 2
There is no decreasing; 57
2015 MAY
There are
decreasing on monthly expenses
There is no decreasing
Another one does
shoppingData
Do you/in your house have the loan?
Yes 63,7 30,7 5,6 303
No 57,6 40,8 1,6 316
Do you prefer to get loan from anyone instead of getting from bank with less Interest?
Yes 55,5 39,2 5,3 301
No 65,4 32,7 1,9 318
15
Decreasing in expenses essentially regards to the food and personal belongings basket
Base: 619
Essentially in which expenses basket have decreasing? (%)
Stopped giving money to childrens
Stopped the repair work
Going to tutoring
Gasoline
Mobile telephones costs
Going to wedding ceremonies
Drug
Transpartation costs(taxi, bus)
Detergents/shampoo
Cigarette
Utility costs
Household things (Furniture, TV, Conditioner, etc.)
Holiday/Travelling/Entertainment
Personal belongings (clothes,telephone,cosmetics etc.)
Food
00%01%01%01%01%01%01%01%02%
04%07%08%
18%60%
63%
16
There are positive thoughts for the future financial situation among the residents of Baku
Base: 619
How do you think is your financial situation will improve or will be worse after 1 year?(%)
Will improve ; 48
Will be worse; 30
Will stay constant; 21
Don’t know 0,5
Will improve
Will be worse
Will stay constant Base
Male 50,5 26,4 23,1 311Female 45,5 33,8 20,8 308
Binagadi 45,2 35,8 19 42
Sabail 49,1 29,1 21,8 55
Sabunchu 62,8 18,6 18,6 43
Nasimi 41,3 34,9 23,8 63
Nizami 46,3 33,3 20,4 54
Yasamal 40,3 29,2 30,5 72
Suraxanı 51,1 33,3 15,6 45
Garadagh 42,6 18,5 38,9 54
Hazar 54,1 24,3 21,6 37
Narimanov 45,4 40,3 14,3 77
Hatai 55,8 27,3 16,9 77
17
Salaries, new working places, and price increasing are the main subjects
Base : 619
In your opinion, how do you think, in this case which 3 actions must be taken first of all ? (%)
Helping to the owners (farmer, small and medium business, empty lands dispense to the farmers)/ Decrease taxes
Decreasing customs tariffs /Allowing to enter goods/ Eleminating monopoly
Allowing people to repay loans with previous currency of manat which are repaying with USD dollar
Decreasing loan yields
Fight against corruption
No rises on USD dollar currency (decreasing, staying constant, strengthing manat )
Improving the non-oil sector (agriculture, local production, industry, tourism, increasing exporting system)/decreasing dependence from abroad
Opening new work places/ Not merging enterprises, not closing /No reductions
Eliminate artifical increase, without increasing local goods prices
Raising on wages (scholarships, social payments, )
04%
04%
05%
05%
08%
11%
14%
41%
42%
43% Our government takes all the actions 3,2%Facilitating mortgages terms /Homeless people will be providing with houses\lands 3.2%Stopping officer arbitrariness (increase controlling of law implementation, using effectively of state budget) 2.9%
Increase education quality 2.9%Decreasing poverty rate ( support poor people ) 2.6%Decreasing utility and transportations expenses 2.6%Rising the price of oil (not selling to cheap price) 2.6%Decreasing expenses for international competitions and ,measures / let postponed 2.4%Swapping old staff to young people (illiterate staff to literate staff, unskilled staff to skilled staff) 2.4%
Decreasing the price of gasoline 2.1%Closing the debts of those who are not able to repay their loans in USD/manats 1.6%Let the state hospitals be free/ be insured 1.5%Liberalize the economy/ Foreign investors must be attracted 1.3%Qarabagh issue should be resolved (lands should be released, refugees should be returned to their homes) 1.1%
The students annual fees should be decreased 1.1%The quality of health sector should be increased 1.0%Depression and crisis table should be set up 0.6%The new money should be enter to the circulation 0.6%To increase the size of unemployment benefits 0.5%Targeted social assistance should be given easier terms 0.3%Rich people should be invested state budget 0.3%Social reforms should be done 0.3%State budget should be increased 0.2%Street trading should be allowed 0.2%Not spending additional costs for buildings 0.2%Not should be allowed to do shopping with USD dollar 0.2%Banks should be merged, and should be a few banks under government control 0.2%The shopping doesn’t be with credit/debit cards 0.2%Government should be help for officials to open new companies 0.2%Deposits should be insured 0.2%Civil servants must inform people about acts on TV permanently 0.2%Don’t want to answer/Don’t know 5.3%
18
Most of the people, participating in the survey rely on school teachers
Base: 619
Do you trust school teachers? (%)
Yes; 60.4 No;
39.6
Yes No Base
Male 58,8 41,2 311
Female 62 38 308Secondary/secondary specialized
58,1 41,9 351
High 63,4 36,6 268
Yes 62,2 37,8 296
No 53,4 46,6 118
Pensioner 59,3 40,7 54
Student 55,6 44,4 36
Housewife 65,2 34,8 115
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01.2016LIFESTYLE RESEARCHBaku
