Rheda-Wiedenbrück June 2009

QUESTIONNAIREQUESTIONNAIRE“Consumer behavior of young adults in European “Consumer behavior of young adults in European

comparison” comparison” Joint graphs and commentsJoint graphs and comments

Rheda-WiedenbrückRheda-WiedenbrückJune 2009June 2009

NoteNote

The results of the survey in some aspects can The results of the survey in some aspects can be influenced by differences in the age of the be influenced by differences in the age of the students and their gender.students and their gender.

1. Where are you from?1. Where are you from?

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30%

Romania Slovakia Germany Poland

SummarySummary

In terms of the numbers of students In terms of the numbers of students participating in the survey, they are as follows:participating in the survey, they are as follows:

Germany: Germany: 100100 Slovakia: Slovakia: 119119 Romania: Romania: 100100 Poland: Poland: 111111

2. How many people live in your 2. How many people live in your city?city?

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80%

Under 5000 5000-20000 20000-100000 100000-500000


SummarySummary

The survey shows that ¾ of the Romanians live The survey shows that ¾ of the Romanians live in a city with 100000-500000 inhabitants in a city with 100000-500000 inhabitants whereas in Poland ¾ of the students live in a whereas in Poland ¾ of the students live in a city with less than 5000 inhabitants. In city with less than 5000 inhabitants. In Germany and Slovakia aboutGermany and Slovakia abouthalf of the students come from cities with half of the students come from cities with 20000-100000 inhabitants.20000-100000 inhabitants.

3. How many people live in your 3. How many people live in your household?household?

0%10%20%30%40%50%60%70%80%90%

100%

1 2 3 4 or more


SummarySummary

In all four countries most students live in a In all four countries most students live in a household with 4 people. Particularly noticeable household with 4 people. Particularly noticeable are the high figures in Slovakia and Poland. In are the high figures in Slovakia and Poland. In addition, no participant from Poland lives on his addition, no participant from Poland lives on his own. own.

The number of people in a household is 4 or The number of people in a household is 4 or more on average.more on average.

4. What is your gender?4. What is your gender?

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80%

Female Male


SummarySummary

The chart shows that the majority of the The chart shows that the majority of the respondents are female. However, in Slovakia respondents are female. However, in Slovakia the number of male and female respondents is the number of male and female respondents is almost the same.almost the same.

5. What age are you?5. What age are you?

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15 16 17 18 19 20


SummarySummary

On average all students were between 16 and On average all students were between 16 and 18 years old. Romania is an exception here: At 18 years old. Romania is an exception here: At the time the survey was carried out the the time the survey was carried out the majority was 15 years old. Moreover one can majority was 15 years old. Moreover one can see that only 1% of the Slovak and Romanian see that only 1% of the Slovak and Romanian students were 20 years old whereas 1% of the students were 20 years old whereas 1% of the German and Polish students were 15 years old.German and Polish students were 15 years old.

6. What is your family income?6. What is your family income?

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Under 500 500-1000 1000-2000 2000-2500 2500-3000 3000 ormore


SummarySummary

Germany displays the highest and Poland the Germany displays the highest and Poland the lowest income. Romanian and Slovak people lowest income. Romanian and Slovak people earn an income of € 500-1000 on average.earn an income of € 500-1000 on average.

The Romanian , Slovakian and Polish family The Romanian , Slovakian and Polish family income is under 2000 Euro while German income is under 2000 Euro while German families’ income is usually above 2000 Euro. families’ income is usually above 2000 Euro. This difference explains some specific answers This difference explains some specific answers regarding the consumer behaviour in the four regarding the consumer behaviour in the four countries.countries.

7. How big is your monthly 7. How big is your monthly income?income?

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70%

0-25 25-50 50-100 100-200 more than200


SummarySummary

German students have the biggest monthly German students have the biggest monthly income at their disposal. Most Romanian, income at their disposal. Most Romanian, Slovak and Polish respondents earn a maximum Slovak and Polish respondents earn a maximum of € 0-25 per month.of € 0-25 per month.

The size of the individual budgets reflects the The size of the individual budgets reflects the family income and also the other sources of family income and also the other sources of income ( see question 8).income ( see question 8).

8. Which is the main source of 8. Which is the main source of income supporting income supporting your personal your personal expenses?expenses?

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Parents Own work Relatives


SummarySummary

Most commonly students are financially Most commonly students are financially supported by their parents in all four countries.supported by their parents in all four countries.

The young Polish students and above them the The young Polish students and above them the German ones make significant income from German ones make significant income from their own work.their own work.

Parents and relatives are the main source of Parents and relatives are the main source of income in all four countries but German and income in all four countries but German and Polish students obtain more money from their Polish students obtain more money from their own work.own work.

9. How much money do you spend 9. How much money do you spend on average per month?on average per month?

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70%

0-25 26-50 51-100 101-150 >150


SummarySummary

61% Polish and 49% Slovak students spend least of 61% Polish and 49% Slovak students spend least of all (€ 0-25/month). 36% Romanians use € all (€ 0-25/month). 36% Romanians use € 26-50/month on average.26-50/month on average.German students spend most: The majority (33%) German students spend most: The majority (33%) stated that they spend € 51-100/month. 17% stated that they spend € 51-100/month. 17% dispose of € 101-150 while 27% said to spend more dispose of € 101-150 while 27% said to spend more than € 150 per month. than € 150 per month.

The differences can be explained by : the amount of The differences can be explained by : the amount of their families income, the differences between their families income, the differences between regions and the differences of the source of their regions and the differences of the source of their income. (see questions 6 and 8)income. (see questions 6 and 8)

10. What do you most frequently 10. What do you most frequently spend your money on?spend your money on?

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35%

Fashion Cosmetics Nutrition



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4%

6%

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10%

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14%

16%

Going out Mobile phone Hobbies



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4%

6%

8%

10%

12%

Transport Magazines Vices


SummarySummary

Most respondents spend their money on nutrition, Most respondents spend their money on nutrition, fashion and going out. Slovak students spend fashion and going out. Slovak students spend disproportionately large amounts of money on food disproportionately large amounts of money on food whereas Polish students spend most of their income whereas Polish students spend most of their income on mobile phones. The three categories chosen by on mobile phones. The three categories chosen by fewest students are transport, magazines and vices.fewest students are transport, magazines and vices.The students from our countries have a very similar The students from our countries have a very similar destination for their spending. The 3 first options destination for their spending. The 3 first options are food, fashion and cosmetics. are food, fashion and cosmetics. Students spend less money on books, magazines Students spend less money on books, magazines and multimedia because they find all the and multimedia because they find all the information they need on the Internet (maybe) or information they need on the Internet (maybe) or they get hold of books from the library.they get hold of books from the library.

11. Where do you do your 11. Where do you do your shopping?shopping?

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Shops Catalogue Internet Salespeople Teleshopping


SummarySummary

In all four countries most products were bought In all four countries most products were bought in shops and shopping centres, followed by in shops and shopping centres, followed by Internet and catalogue. Romanian students also Internet and catalogue. Romanian students also buy a lot from salespeople. Teleshopping comes buy a lot from salespeople. Teleshopping comes in last in all countries.in last in all countries.

Online shopping is very popular with Polish Online shopping is very popular with Polish students, whereas Romanian, Slovak and students, whereas Romanian, Slovak and German students seem to display a certain German students seem to display a certain amount of reluctance towards this facility, which amount of reluctance towards this facility, which is in most cases cheaper and more comfortable.is in most cases cheaper and more comfortable.

SummarySummary

Shopping from catalogues is highly popular in Shopping from catalogues is highly popular in Germany and highly unknown in Slovakia. In Germany and highly unknown in Slovakia. In Romania and Poland, this shopping modality has Romania and Poland, this shopping modality has gained more field as compared with other gained more field as compared with other traditional and innovative methods.traditional and innovative methods.

Our students behave in a very similar way and Our students behave in a very similar way and the most popular places for shopping are the the most popular places for shopping are the shopping centers, the Internet and catalogues shopping centers, the Internet and catalogues (except for Slovak students who prefer direct (except for Slovak students who prefer direct contact with the products). Slovak , Romanian contact with the products). Slovak , Romanian and Polish students buy from catalogues and and Polish students buy from catalogues and salespeople combined.salespeople combined.

12. What influences your decision 12. What influences your decision to buy something?to buy something?

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Necessity Price qualityrapport

Parents Being up todate

Friends


SummarySummary

The main factor influencing the decision to buy a product The main factor influencing the decision to buy a product is the price-quality rapport. Slovak students are also is the price-quality rapport. Slovak students are also influenced by their parents whereas Polish, Romanian influenced by their parents whereas Polish, Romanian and German students don’t see a parental influence. and German students don’t see a parental influence.

In comparison, German students state to be influenced In comparison, German students state to be influenced strongly by their friends which seems to be the weakest strongly by their friends which seems to be the weakest factor of influence for Slovak respondents. Being up-to-factor of influence for Slovak respondents. Being up-to-date is more important for German students than for date is more important for German students than for students in other countries: 24% chose this category as students in other countries: 24% chose this category as the most important one. the most important one.

Necessity is the strongest factor of influence for Necessity is the strongest factor of influence for Romanian students, closely followed by the number of Romanian students, closely followed by the number of Polish students who chose this answer. In comparison, Polish students who chose this answer. In comparison, only few Germans said to be influenced by necessity.only few Germans said to be influenced by necessity.

SummarySummary

Common aspects refer to quality-price rapport Common aspects refer to quality-price rapport and the need to be up to date. One thing that is and the need to be up to date. One thing that is striking is the fact that German students don’t striking is the fact that German students don’t refer to necessity. This might be due to the fact refer to necessity. This might be due to the fact that the basic needs are satisfied.that the basic needs are satisfied.

13. What limits your spending?13. What limits your spending?

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Price Savings Family Incomescarcity

Tradition Religion


SummarySummary

Price is the most important factor limiting the Price is the most important factor limiting the students’ spending in all four countries. In students’ spending in all four countries. In addition, Romanian students also feel restricted addition, Romanian students also feel restricted by their families. Tradition and religion are not by their families. Tradition and religion are not regarded as strong limiting factors in any country. regarded as strong limiting factors in any country. About a quarter of German, Slovak and Romanian About a quarter of German, Slovak and Romanian students state that income scarcity limits their students state that income scarcity limits their spending. In comparison, the effort to save money spending. In comparison, the effort to save money most strongly limits the Polish students’ spending. most strongly limits the Polish students’ spending. German, Romanian and Slovak respondents do German, Romanian and Slovak respondents do not seem to limit their spending too much not seem to limit their spending too much because they want to save money.because they want to save money.

SummarySummary

Price is the main factor limiting the spending. In Price is the main factor limiting the spending. In Slovakia and Poland the income scarcity limits Slovakia and Poland the income scarcity limits it. In Romania the absence of this factor might it. In Romania the absence of this factor might be explained by the fact that the parents don’t be explained by the fact that the parents don’t make their children aware of their financial make their children aware of their financial problems. problems. In Germany they don’t seem to feel the income In Germany they don’t seem to feel the income scarcity because their family income is scarcity because their family income is relatively high. In all countries other factors relatively high. In all countries other factors limiting the spending are savings and family. limiting the spending are savings and family.

14. Do you agree with the following 14. Do you agree with the following statements?statements?14.1 Does Religion influence consumer 14.1 Does Religion influence consumer behavior of young people?behavior of young people?

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80%

Yes No I'm not sure


The majority of students in all four countries is The majority of students in all four countries is convinced that religion does not influence their convinced that religion does not influence their consumer behaviour. However, religion seems to consumer behaviour. However, religion seems to have more impact in Romania than in any other have more impact in Romania than in any other country. Some students are not sure whether country. Some students are not sure whether religion is an influencing factor.religion is an influencing factor.

The majority agrees that religion doesn’t The majority agrees that religion doesn’t influence consumers’ behaviour. It’s obvious influence consumers’ behaviour. It’s obvious from the chart that the students are becoming from the chart that the students are becoming more and more liberal.more and more liberal.

SummarySummary

14.2 Does upbringing influence 14.2 Does upbringing influence consumer behavior of young consumer behavior of young people?people?

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Yes No I'm not sure


The majority of Slovak, German and Polish The majority of Slovak, German and Polish students are sure that upbringing influences students are sure that upbringing influences consumer behaviour of young people. A lot of consumer behaviour of young people. A lot of Romanians also agree with them, nevertheless Romanians also agree with them, nevertheless almost half of Romanian respondents and more almost half of Romanian respondents and more than a third of German students stated not to be than a third of German students stated not to be sure.sure.

The majority believes that upbringing influences The majority believes that upbringing influences consumer behaviour (the same comments consumer behaviour (the same comments question 14.3).question 14.3).

SummarySummary

14.3 The environment (place 14.3 The environment (place where people live) influences where people live) influences consumer behavior of young consumer behavior of young people.people.

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100%

Yes No I'm not sure


The majority of students agrees that the The majority of students agrees that the environment has an impact on the consumer environment has an impact on the consumer behaviour. However, quite a few students in all behaviour. However, quite a few students in all countries are uncertain concerning this point.countries are uncertain concerning this point.

SummarySummary

14.4 You would be able to commit 14.4 You would be able to commit a crime for the sake of money.a crime for the sake of money.

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Yes No I'm not sure


The great majority would not commit a crime for The great majority would not commit a crime for the sake of money. It is conspicuous though that the sake of money. It is conspicuous though that some students would commit a crime or are not some students would commit a crime or are not sure whether they would.sure whether they would.

The majority of students wouldn’t commit a The majority of students wouldn’t commit a crime for the sake of money. crime for the sake of money.

SummarySummary

14.5 You have already committed 14.5 You have already committed a crime because of money.a crime because of money.

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100%

Yes No I'm not sure


The great majority of all students from the four The great majority of all students from the four countries has not committed a crime but there is countries has not committed a crime but there is obviously a small minority who has already done obviously a small minority who has already done something illegal.something illegal.

The great majority of students have not committed a The great majority of students have not committed a crime.crime.

SummarySummary

15. Are you able to control your 15. Are you able to control your need to borrow money?need to borrow money?

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100%

Yes No


SummarySummary

Most respondents are able to control their need to Most respondents are able to control their need to borrow money.borrow money.

The great majority of the young adults are able to The great majority of the young adults are able to control their need of borrowing money.control their need of borrowing money.

Even if the number of students who cannot control Even if the number of students who cannot control their need to borrow money is small, they deserve their need to borrow money is small, they deserve special attention. The phenomenon of indebtedness special attention. The phenomenon of indebtedness is the main concern of the responsible factors of the is the main concern of the responsible factors of the E.U, which is illustrated by the presence of this E.U, which is illustrated by the presence of this theme in the Europe Agenda 2008-2009.theme in the Europe Agenda 2008-2009.

16. What part of your money is 16. What part of your money is borrowed?borrowed?

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0% 25% 50% 75% 100%


The majority has not borrowed any money, but The majority has not borrowed any money, but some respondents have borrowed about a some respondents have borrowed about a quarter of their income.quarter of their income.

Around 90% of the students borrow between 0-Around 90% of the students borrow between 0-25% of their money.25% of their money.

SummarySummary

17. What did you need the money 17. What did you need the money for?for?

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10%15%20%25%30%35%40%45%50%




0%

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8%

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16%

Going out Mobile phones Hobbies



0%2%4%6%8%

10%12%14%16%

Transport Magazines, books,multimedia

Vices


SummarySummary

Students spend most of their income on nutrition,Students spend most of their income on nutrition,mobile phones, fashion and going out in all mobile phones, fashion and going out in all countries. Only little money is used for magazines, countries. Only little money is used for magazines, books or hobbies. Significantly, Slovak students books or hobbies. Significantly, Slovak students spend almost half of their income on nutrition. spend almost half of their income on nutrition. Compared to the other countries Polish students Compared to the other countries Polish students use the biggest part of their income for mobile use the biggest part of their income for mobile phones.phones.

These answers reflect to some extent the answers These answers reflect to some extent the answers the students gave for question number 10.the students gave for question number 10.

18. Has anything changed since 18. Has anything changed since you have borrowed money?you have borrowed money?

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100%

No Yes


SummarySummary

The majority of the interviewees states that The majority of the interviewees states that nothing has changed since they borrowed nothing has changed since they borrowed money. Anyhow, one quarter of the Slovakian money. Anyhow, one quarter of the Slovakian students says that things have changed.students says that things have changed.

The result of the question may have been The result of the question may have been influenced by the fact that the question wasn’t influenced by the fact that the question wasn’t applicable to all students. applicable to all students.

19. Have you ever been in a 19. Have you ever been in a situation when you were unable to situation when you were unable to repay the money you had repay the money you had borrowed?borrowed?

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No, because I have alwaysmanaged to pay the money

back

I don’t have any debtsbecause I never borrow

money

Yes, I have failed to pay themoney back

Yes, I have and it causedproblems in my relationshipwith my parents and other

people


SummarySummary

Most of the students are not indebted, since Most of the students are not indebted, since they haven’t borrowed money. Those indebted they haven’t borrowed money. Those indebted could easily pay off their current liabilities. Only could easily pay off their current liabilities. Only very few students admitted occurring problems very few students admitted occurring problems with both families and friends once the with both families and friends once the liabilities could not be acquitted. liabilities could not be acquitted.

Noticeable is the fact that more than two thirds Noticeable is the fact that more than two thirds of the Polish students are not indebted because of the Polish students are not indebted because they do not borrow money at all.they do not borrow money at all.

20.1 It is very important for me to 20.1 It is very important for me to be able to pay back my debts as be able to pay back my debts as soon as possible.soon as possible.

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100%

I strongly agree I somewhatagree

I stronglydisagree

I somewhatdisagree


SummarySummary

Noticeable is that all participating students Noticeable is that all participating students agree on the statement that paying back debts agree on the statement that paying back debts is absolutely crucial.is absolutely crucial.

The great majority strongly agree that it’s The great majority strongly agree that it’s important to be able to pay back their debts as important to be able to pay back their debts as soon as possible.soon as possible.

20.2 It is absolutely normal to be 20.2 It is absolutely normal to be in debt nowadays.in debt nowadays.

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I stronglydisagree

I somewhatdisagree


SummarySummary

Most students from Romania, Slovakia and Most students from Romania, Slovakia and Germany do not agree with the statement. To Germany do not agree with the statement. To them it is not normal to be indebted. Polish them it is not normal to be indebted. Polish students accept a certain degree of students accept a certain degree of indebtedness as “normal”.indebtedness as “normal”.

The great majority of students from Romania, The great majority of students from Romania, Slovakia and Germany don’t think that it’s a Slovakia and Germany don’t think that it’s a normal situation to be in debt whereas nearly a normal situation to be in debt whereas nearly a half of Polish students find it to be quite a half of Polish students find it to be quite a normal situation.normal situation.

20.3 I have already though about 20.3 I have already though about how to get some money to be able how to get some money to be able to pay my debts faster.to pay my debts faster.

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10%15%20%25%30%35%40%45%50%


I stronglydisagree

I somewhatdisagree


SummarySummary

The vast majority of all students agree with this The vast majority of all students agree with this statement, either “strongly” or “somewhat”: statement, either “strongly” or “somewhat”: They have already considered raising money to They have already considered raising money to be able to pay back money faster.be able to pay back money faster.

20.4 If I can't pay back the money 20.4 If I can't pay back the money myself, my parents will do it for myself, my parents will do it for me. me.

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10%15%20%25%30%35%40%


I stronglydisagree

I somewhatdisagree


Slovakian, German and Polish students share Slovakian, German and Polish students share the opinion that parents would not pay back the opinion that parents would not pay back their children’s debts. Only the majority of the their children’s debts. Only the majority of the Romanian students hope that their parents will Romanian students hope that their parents will help them in case of doubt.help them in case of doubt.

SummarySummary

20.5 Even when I´m in debt, i 20.5 Even when I´m in debt, i think about spending more think about spending more money.money.

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I stronglydisagree

I somewhatdisagree


SummarySummary

The vast majority of all four nations does not The vast majority of all four nations does not agree with this statement: Students do not agree with this statement: Students do not consider spending even more money when consider spending even more money when indebted.indebted.

Most of the questioned students don’t like the Most of the questioned students don’t like the idea of increasing their personal expenses when idea of increasing their personal expenses when they are in debt.they are in debt.

20.6 I think it's ok to be in dept, 20.6 I think it's ok to be in dept, because my parents are also because my parents are also indebted.indebted.

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I stronglydisagree

I somewhatdisagree


All interviewed students are of the opinion that All interviewed students are of the opinion that it is not normal to have debts. Only very few it is not normal to have debts. Only very few agree with this statement.agree with this statement.

The great majority doesn’t regard their parents’ The great majority doesn’t regard their parents’ indebtedness as a positive example. On the indebtedness as a positive example. On the other hand, this answer might just show that other hand, this answer might just show that their parents don’t have any debts. their parents don’t have any debts.

SummarySummary

20.7 As long as the person who 20.7 As long as the person who has lent me money doesn’t ask to has lent me money doesn’t ask to get it back, I don’t remember to get it back, I don’t remember to pay it back.pay it back.

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I stronglydisagree

I somewhatdisagree


SummarySummary

All four nations do not agree with this All four nations do not agree with this statement at all. Borrowed money should be statement at all. Borrowed money should be returned, no matter whether reminded or not.returned, no matter whether reminded or not.

The students pay back the money without being The students pay back the money without being reminded of it.reminded of it.

20.8 I'm worried that I won't be 20.8 I'm worried that I won't be able to pay off my debts.able to pay off my debts.

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20%

30%

40%

50%

60%


I stronglydisagree

I somewhatdisagree


The majority of Romanians, Slovakians, The majority of Romanians, Slovakians, Germans and Polish agree with this statement: Germans and Polish agree with this statement: They all are worried that they won’t be able to They all are worried that they won’t be able to pay back their dues.pay back their dues.

The survey shows that (Slovak and German) The survey shows that (Slovak and German) students are worried because maybe they are students are worried because maybe they are aware of the danger of being unable to repay aware of the danger of being unable to repay their debts. their debts.

SummarySummary

21. In order to satisfy a need of 21. In order to satisfy a need of consumption which exceeds your consumption which exceeds your budget, which do you prefer: saving (to budget, which do you prefer: saving (to be able to fulfill your need soon) or be able to fulfill your need soon) or borrowing the necessary money?borrowing the necessary money?

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saving borrowing


SummarySummary

The students of all participating countries rather The students of all participating countries rather save than borrow their money.save than borrow their money.

Most of the students prefer saving money in Most of the students prefer saving money in order to face consumption expenses.order to face consumption expenses.

Even if the number of students who prefer Even if the number of students who prefer borrowing as an alternative is insignificant, borrowing as an alternative is insignificant, these are worth our full attention, most of the these are worth our full attention, most of the students prefer saving money in order to face students prefer saving money in order to face consumption expenses.consumption expenses.

22. Have you saved any money?22. Have you saved any money?

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100%

Yes No


SummarySummary

The vast majority of interviewees save money The vast majority of interviewees save money in some way or another. This is true for all in some way or another. This is true for all nations.nations.

The same conclusions apply to this question as The same conclusions apply to this question as to question number 20.to question number 20.

23. What have you saved money 23. What have you saved money for?for?

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10%15%20%25%30%35%40%45%




0%

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6%

8%

10%

12%

14%

16%

Going out Mobile phone Hobbies



0%1%2%3%4%5%6%7%8%9%

10%

Transport Magazines, books,multimedia

Vices


SummarySummary

Three out of four nations state that money is Three out of four nations state that money is mostly spent on fashion; Polish students spend mostly spent on fashion; Polish students spend most money on mobile phones. All four nations most money on mobile phones. All four nations spend the least money on books, magazines, spend the least money on books, magazines, transport, cigarettes andtransport, cigarettes andalcohol.alcohol.Fashion is the main purpose of savings. All in all, Fashion is the main purpose of savings. All in all, the results correspond with the result of questions the results correspond with the result of questions number 19 and 1.Although students spend most of number 19 and 1.Although students spend most of their money on nutrition, they don’t save money their money on nutrition, they don’t save money for it. In Poland, saving for a mobile phone may for it. In Poland, saving for a mobile phone may also represent saving for fashion. also represent saving for fashion.

24. How do you save your money?24. How do you save your money?

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10%15%20%25%30%35%40%45%

Piggybank Saving Book Cheque account



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10%12%14%16%

My parents savemoney for me

Stocks Live insurences



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10%

Investment funds Buildings savingsagreement

Securities


SummarySummary

Most students save their money in a piggybank Most students save their money in a piggybank or in a saving book. Only very few invest their or in a saving book. Only very few invest their money in securities and stocks.money in securities and stocks.

Most students prefer piggybank and savings Most students prefer piggybank and savings book as a secure type of saving money. book as a secure type of saving money. Parents are also a safe way of saving money. Parents are also a safe way of saving money.

25. Do you sense that you are 25. Do you sense that you are protected as a consumer?protected as a consumer?

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60%

70%

Yes No


SummarySummary

In Romania, Slovakia, Germany and Poland more In Romania, Slovakia, Germany and Poland more than half of the students feel protected as than half of the students feel protected as consumers.consumers.

It is very important that our students should feel It is very important that our students should feel protected as consumers. Romanian students protected as consumers. Romanian students obviously feel less protected in this sense.obviously feel less protected in this sense.

Romanians feel they are less protected as Romanians feel they are less protected as consumers whereas the Slovak and German consumers whereas the Slovak and German students consider that they are protected. The students consider that they are protected. The Polish students’ opinion is more divided. Polish students’ opinion is more divided.

26. Which of the following means 26. Which of the following means of protection mostly impact you?of protection mostly impact you?

0%

10%

20%

30%

40%

50%

60%

70%

Schooleducation

Advertisingcampaigns

Informationalcampaigns

Stateinstitutions


SummarySummary

Three out of four nations state that they are Three out of four nations state that they are positively influenced by school education. positively influenced by school education. Interestingly enough, German students feel more Interestingly enough, German students feel more protected by the government than by education at protected by the government than by education at school. In second place we find advertising school. In second place we find advertising campaigns as effective means of protection.campaigns as effective means of protection.

Slovakian and Romanian school education plays Slovakian and Romanian school education plays an important role in protecting young customers an important role in protecting young customers while in Germany and Poland all means given as while in Germany and Poland all means given as categories seem to have a similar impact on the categories seem to have a similar impact on the students.students.

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Rheda-Wiedenbrück June 2009

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