Survey Question Sources

Survey
Question
#
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Survey Question

Source
Original
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6

Enter Surveyor ID
Branch
Enter Member Name
What is the best phone number to reach you at?
What is the second best phone number to reach you
at?
What is your current mailing address?

7

Do you live at this address?

Original

8
9
10
11
12
13
14
15

What the address where you currently live?
Have you moved addresses in the past 5 years?
What is your most recent previous address?
What is your SLCCU Account Number?
What is your gender?
What is your ethnicity or origin?
What is your race? Please select one or more.
Are you married?

Original
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US Census
Original

16

Original

27
28
29

Do you share an active credit card with your spouse or
other family member?
How many adults live in your household, including you?
How many children live in your household?
What was your annual household income in 2013?
What is the highest level of schooling you’ve
completed?
In the past 12 months, have you checked your credit
score?
In the past 12 months, have you obtained a copy of
your credit report?
Have you had difficulty getting approved for loans in
the past three years?
Are you saving in any of the following ways? How
much in total do you currently have saved in each way?
Not including any mortgages or auto loans, what is the
size of your household’s overall debt (eg credit card
debt, student debt, payday loans (small, short-term
unsecured loans))?
What is the size of your household’s monthly payments
toward this debt?
Have you ever cosigned on a loan for another person?
How often do you buy lottery tickets?
How often do you go to the casino?

30

When you go to the casino, do you set a budget for

Original

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18
19
20
21
22
23
24
25

26

Original

Original
Original
Original
Original
NCFS 2012
NCFS 2012
BoLT survey, modified
Fairly standard question,
phrasing modified for context
Fairly standard question,
phrasing modified for context
Fairly standard question,
phrasing modified for context
Original
Original
Original

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37
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39

40
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43

yourself ahead of time?
How often do you exceed the budget you set for
yourself?
If you want to buy something that you really want but
don’t need and you don’t currently have enough cash,
which of the following do you do?
How would you describe your overall financial
situation? Would you say “excellent”, “very good”,
“ok”, “not very good”, or “bad”?
My financial situation is a source of stress in my life.
Before I buy something I carefully consider whether I
can afford it.
I tend to live for today and let tomorrow take care of
itself.
In a typical month, it is difficult for me to cover my
expenses and pay all my bills.
I am confident that I could come up with $2000 if an
unexpected need arose within the next month.
I am willing to take a risk financially if there is a chance
of substantial gain.
I set long term financial goals of five years or more and
strive to achieve them.
The purpose of money is for it to be spent.
I often find that I regret spending money. I wish that
when I had cash, I was better disciplined and saved my
money rather than spent it.
I demand the highest quality in everything I do.

44
45

I have trouble finishing or completing my tasks.
Success is a matter of hard work; luck has little or
nothing to do with it.

46

Suppose the credit union held a raffle and you won.
You have a choice: you can collect $50 in cash today or
$100 in cash one month from today. Which would you
choose?
Ok, you prefer to receive $50 today in that first
scenario. Now say you had the choice between
collecting the $50 cash today and collecting $150 in 1
month? Which would you choose?
Ok, you’re willing to wait 1 month for $100 instead of
$50 today. Now let’s say the choice is between
collecting a $50 cash prize today or $75 in 1 month.
Which would you choose?

47

48

Original
Original
RAND ALP
Original
OECD
OECD
NCFS 2012
NCFS 2012
NCFS 2012 (modified; NCFS
question doesn’t ask about
substantial gain, uses 10 point
scale)
OECD, slightly modified
OECD, slightly modified
BoLT survey
Full 60-Item Chernyshenko
Conscientiousness Scale (CCS) Industriousness
Original
J.B. Rotter Scale - Internal versus
External Control of
Reinforcement
“Tying Odysseus to the Mast”:
Evidence from a Commitment
Savings Product in the
Philippines
“Tying Odysseus to the Mast”:
Evidence from a Commitment
Savings Product in the
Philippines
“Tying Odysseus to the Mast”:
Evidence from a Commitment
Savings Product in the
Philippines

49

Suppose you were choosing between collecting $50 in
cash 6 months from today or $100 in cash 7 months
from today. Which would you choose?

50

Ok, you prefer to receive $50 in 6 months. Now say you
had the choice between collecting the $50 in 6 months
and collecting $150 in 7 months? Which would you
choose?
Ok, you’re willing to wait 7 months for $100 instead of
getting $50 in 6 months. Now let’s say the choice is
between collecting a $50 cash prize in 6 months or $75
in 7 months. Which would you choose?
Suppose you put $100 into a no feesavings account
with a guaranteed interest rate of 2% per year. You
don’t make any further payments into this account and
you 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?
How much would be in the account at the end of five
years?
Which of these can affect the amount of interest you
pay on a bank loan… Your credit rating?
…The amount of money you have in savings?
…Your annual income?
…Your health?
…Your age?
…How much you borrow overall?
…How long you take to repay the loan?

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59
60

Full 60-Item Chernyshenko Conscientiousness Scale (CCS)
•

Q 43 (Industriousness)

J.B. Rotter Scale - Internal versus External Control of Reinforcement
•

Q45

FINRA National Financial Capability Survey
•
•
•
•
•
•
•

Q21
Q22
Q37
Q38
Q39
Q52
Q53

“Tying Odysseus to the Mast”:
Evidence from a Commitment
Savings Product in the
Philippines
“Tying Odysseus to the Mast”:
Evidence from a Commitment
Savings Product in the
Philippines
“Tying Odysseus to the Mast”:
Evidence from a Commitment
Savings Product in the
Philippines
NCFS 2012 (modified; original
question asks about 1% interest
per year, and 2% inflation)

NCFS 2012
Original
Original
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Original

Tying Odysseus to the Mast: Evidence from a Commitment Savings Product in the Philippines
•
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•
•
•

Q46
Q47
Q48
Q49
Q50
Q51

Note: “…we measure time preferences by asking individuals to choose between receiving a smaller
reward immediately and receiving a larger reward with some delay [Tversky and Kahneman 1986;
Benzion, Rapoport, and Yagil 1989; Shelley 1993]. The same question is then asked at a further time
frame (but with the same rewards) in an attempt to identify time-preference reversals.”
Borrow Less Tomorrow: Behavioral Approaches to Debt Reduction
•
•

Q23
Q42

RAND American Life Panel
•

Q33

US Census 2012
•

Q14

Citations
Ashraf, N., Karlan, D., & Yin, W. (2006). Tying Odysseus to the mast: Evidence from a commitment
savings product in the Philippines. The Quarterly Journal of Economics, 635-672.

Hill, P. L., & Roberts, B. W. (2011). The role of adherence in the relationship between conscientiousness
and perceived health. Health Psychology, 30(6), 797.
J.B. Rotter (1966) Generalized expectancies for internal versus external control of reinforcement,
Psychological Monographs, 80, (1, Whole No. 609).
Karlan, D. S., & Zinman, J. (2012). Borrow Less Tomorrow: Behavioral Approaches to Debt Reduction.
Available at SSRN 2060548.
National Financial Capability Study (FNCS). 2012. <
http://www.usfinancialcapability.org/downloads/NFCS_2012_State_by_State_Qre.pdf>
OECD, Measuring Financial Literacy: Questionnaire and Guidance Notes for Conducting an
Internationally Comparable Survey of Financial Literacy
http://www.oecd.org/finance/financial-education/49319977.pdf

RAND American Life Panel Survey.
United States Census Bureau, 2012 Statistical Abstract.
< https://www.census.gov/compendia/statab/2012edition.html>.