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RO

FERRATUM GROUP INTERNATIONAL

BAROMETRUL INTERNATIONAL DE VARA
FERRATUM GRUP™ 2019

Ce reprezinta Barometrul de Vara
Ferratum 2019?
Incepand cu anul 2014, Ferratum Group realizeaza sondaje de opinie in randul clientilor
sai in privinta obiceiurilor de consum in doua perioade importante ale anului – o data in
timpul vacantei de vara, iar apoi chiar inaintea sarbatorilor de Craciun.
Scopul acestuia este pentru a vedea comportamentul de cumparare in perioada
sarbatorilor si a vacantelor, pe ce anume prefera sa cheltuie mai mult si cat de diferite
sunt obiceiurile de consum in aceste perioade de la o tara la alta.
Studiul analizeaza, de asemenea, modul in care oamenii planuiesc sa-si petreaca
vacanta, care tara va cheltui cel mai mult, cine va utiliza serviciile Airbnb pentru cazare si
care tari prefera cumparaturile online in detrimentul maratoanelor prin magazine.
Cu un total de peste 22.000 de respondenti, suntem incantati sa va impartasim
rezultatele obtinute in cadrul celei de-a 10 a editii a BAROMETRULUI DE VARA FERRATUM
2019™.
Ferratum Romania participa la a 10 a editie a BAROMETRULUI DE VARA FERRATUM
2019™, sondaj in care analizam cheltuielile din timpul vacantei de vara.

2

FERRATUM GROUP SUMMER BAROMETER™ 2019
The survey was conducted by Ferratum Group who surveyed its active customers in 17 International countries via web survey with a standardised questionnaire. Incomes are stated in local
currency, and relative Summer consuming is calculated by the ratio of a family’s monthly disposable income in each country.

Cheltuielile in vacanta de vara raportate la veniturile gospodariei
Cheltuieli in raport cu alte tari
66 %
56 %
51 %

5%

5%

Finantarea
activitatilor de
vara pentru copii

Festivaluri de vara

Investitii
recreationale

4%

100

85

84

83

75

37

35

Danemarca

Brazilia

Romania

12 %

100

2%

Participarea la
evenimente sportive

5%

Servicii wellness
& spa

5%

Gradinarit sau diy

7%

Calatorii in
strainatate

8%

Evenimente
sociale

10 %

Obiecte
vestimentare

Redecorarea casei

Activitati sociale
(plaja, cluburi, etc)

Activitati recreationale singur/in
familie

Calatorii in tara
3

10 %

13 %

107

15 %
12 %

26 %

114

Principalele cheltuieli in vacanta de vara 2019
12 %

28 %

Finlanda

29 %

Germania

29 %

Suedia

34 %

Toate tarile

34%

Croatia

116

36 %

Norvegia

119

39 %

UK

122

39 %

Canada

124

40 %

Olanda

41 %

Polonia

127

42 %

Estonia

Bulgaria

149

Letonia

166

Spania

193
Mexic

43 %

FERRATUM GROUP SUMMER BAROMETER™ 2019
The survey was conducted by Ferratum Group who surveyed its active customers in 17 International countries via web survey with a standardised questionnaire. Incomes are stated in local
currency, and relative Summer consuming is calculated by the ratio of a family’s monthly disposable income in each country.

Prognoza cheltuielilor
2019 in vacanta de vara
pe gospodarii

39 %
33 %

4

Mai mult decat
vara trecuta

Mai putin decat
vara trecuta

La fel de mult ca
vara trecuta

28 %

FERRATUM GROUP SUMMER BAROMETER™ 2019
The survey was conducted by Ferratum Group who surveyed its active customers in 17 International countries via web survey with a standardised questionnaire. Incomes are stated in local
currency, and relative Summer consuming is calculated by the ratio of a family’s monthly disposable income in each country.

Statistica achizitiilor online in vacanta de vara:
38 %
33 %

50 %

50 %

25 %

24 %

48 %

47 %

23 %

23 %

Finlanda

51 %

27 %

Letonia

51 %

27 %

Croatia

51 %

27 %

Brazilia

28 %

Mexic

31 %

Norvegia

32 %

Canada

32 %

Bulgaria

Danemarca

Romania

Germania

Olanda

Spania

UK

32 %

Estonia

33 %

Polonia

36 %

Suedia

39 %

Cheltuieli alocate calatoriilor
65 %
61 %
57 %

56 %

55 %

54 %

52 %

49 %

45 %

5

FERRATUM GROUP SUMMER BAROMETER™ 2019
The survey was conducted by Ferratum Group who surveyed its active customers in 17 International countries via web survey with a standardised questionnaire. Incomes are stated in local
currency, and relative Summer consuming is calculated by the ratio of a family’s monthly disposable income in each country.

Letonia

Canada

Brazilia

UK

Croatia

Romania

Spania

Norvegia

Suedia

Mexic

Estonia

Finlanda

Bulgaria

Polonia

Olanda

Danemarca

Germania

40 %

Cand calatoriti, cat de mult preferati platile prin card in detrimentul tranzactiilor in
numerar?
85 %

67 %

64 %

62 %

Mexic

69 %

Brazilia

70 %

Croatia

71 %

Bulgaria

72 %

Spania

72 %

Germania

74 %

Letonia

75 %

Polonia

75 %

Romania

76 %

Finlanda

77 %

Canada

Estonia

Norvegia

Danemarca

Suedia

78 %

Olanda

85 %

UK

85 %

Topul utilizatorilor de mobile banking in timpul vacantei de vara
89 %

88 %

87 %

85 %

83 %

81 %

77 %

74 %

73 %

72 %

71 %

71 %

71 %

70 %
58 %

6

FERRATUM GROUP SUMMER BAROMETER™ 2019
The survey was conducted by Ferratum Group who surveyed its active customers in 17 International countries via web survey with a standardised questionnaire. Incomes are stated in local
currency, and relative Summer consuming is calculated by the ratio of a family’s monthly disposable income in each country.

47 %

Germania

Bulgaria

Danemarca

Estonia

Spania

Mexic

Letonia

Romania

Finlanda

Croatia

Norvegia

Brazilia

Polonia

UK

Canada

Olanda

Suedia

51 %

Cine este dispus sa plateasca mai mult de 100EUR pentru o noapte de cazare?
54 %
46 %
32 %

17 %

14 %
8%

7%

Estonia

Bulgaria

Danemarca

Olanda

Finlanda

UK

Germania

Suedia

Norvegia

Polonia

Brazilia

Canada

9%

7%

7%

3%

3%

Letonia

19 %

Romania

20 %

Croatia

22 %

Spania

35 %

Mexic

49 %

Obiceiurile de ulitizare a serviciilor AirBnB in timpul calatoriilor
73 %

7

19 %

18 %

18 %

17 %

16 %

Finlanda

Polonia

Spania

Brazilia

20 %

Croatia

20 %

Olanda

21 %

Danemarca

22 %

UK

26 %

Letonia

27 %

Suedia

30 %

Estonia

31 %

Canada

35 %

Norvegia

Romania

Bulgaria

Germania

37 %

Mexic

45 %

FERRATUM GROUP SUMMER BAROMETER™ 2019
The survey was conducted by Ferratum Group who surveyed its active customers in 17 International countries via web survey with a standardised questionnaire. Incomes are stated in local
currency, and relative Summer consuming is calculated by the ratio of a family’s monthly disposable income in each country.

Cat de curand credeti ca veti putea
rambursa orice imprumut sau credit
utilizat pentru vacanta si sa reveniti la
echilibrul financiar normal?
26 %

8

Partial cu un credit
de la alte institutii
financiare

≥ 6 luni

4%

≤ 6 luni

7%

Partial cu un
credit de consum

Partial cu un
card de credit

Partial cu un credit de la
ferratum

Economii

10 %

In termen de trei
luni

20 %

27 %

FERRATUM GROUP SUMMER BAROMETER™ 2019
The survey was conducted by Ferratum Group who surveyed its active customers in 17 International countries via web survey with a standardised questionnaire. Incomes are stated in local
currency, and relative Summer consuming is calculated by the ratio of a family’s monthly disposable income in each country.

15 %

11 %

In termen de o
luna

27 %

52 %

In termen de
doua luni

Preferinte de finantare in
timpul vacantei:

Topul cheltuielilor in vacanta de vara:
Brazilia

Bulgaria
9%

17 %

9%

Calatorii in tara

22 %

Obiecte vestimentare

Activitati sociale (plaja, cluburi, etc)
10 %

9%

14 %

Redecorarea casei

Redecorarea casei

Obiecte vestimentare

Activitati sociale (plaja, cluburi, etc)

Investitii recreationale

16 %

Cheltuieli in raport cu alte tari: 166 (FE group = 100)
Cheltuieli raportate la venitul pe familie: 56% (538 €)

12 %

18 %

10 %

Cheltuieli raportate la venitul pe familie: 13% (113 €)

10 %

11 %

9

Croatia
7%

Activitati recreationale singur/
in familie
Activitati sociale (plaja, cluburi, etc)

Investitii recreationale

14 %

Cheltuieli in raport cu alte tari: 37 (FE group = 100)

Canada
9%

Calatorii in tara

17 %

Activitati sociale (plaja, cluburi, etc)
Activitati recreationale singur/
in familie

13 %

Obiecte vestimentare

Calatorii in tara

Social events

Obiecte vestimentare

Calatorii in tara

15 %

15 %

Social events

Cheltuieli in raport cu alte tari: 116 (FE group = 100)

Cheltuieli in raport cu alte tari: 100 (FE group = 100)

Cheltuieli raportate la venitul pe familie: 39% (1261 €)

Cheltuieli raportate la venitul pe familie: 34% (434 €)

FERRATUM GROUP SUMMER BAROMETER™ 2019
The survey was conducted by Ferratum Group who surveyed its active customers in 17 International countries via web survey with a standardised questionnaire. Incomes are stated in local
currency, and relative Summer consuming is calculated by the ratio of a family’s monthly disposable income in each country.

Topul cheltuielilor in vacanta de vara:
Estonia

Danemarca
9%

7%
18 %

Calatorii in tara

Calatorii in strainatate
17 %

Redecorarea casei
8%
Calatorii in tara

17 %

12 %

Activitati recreationale singur/
in familie
Obiecte vestimentare

9%

Servicii wellness & spa
Calatorii in strainatate

10 %

12 %

Social events

Cheltuieli in raport cu alte tari: 75 (FE group = 100)

Cheltuieli in raport cu alte tari: 124 (FE group = 100)

Cheltuieli raportate la venitul pe familie: 26% (958 €)

Cheltuieli raportate la venitul pe familie: 42% (716 €)

Finlanda

Germania

8%

8%

Calatorii in tara
19 %

10 %

21 %

11 %
12 %

Activitati sociale (plaja, cluburi, etc)
Activitati recreationale singur/in
familie

Social events
9%

10

Summer activities

Activitati sociale (plaja, cluburi, etc)

Servicii wellness & spa

Festivaluri de vara

Calatorii in strainatate

Activitati recreationale singur/
in familie

10 %

17 %

Calatorii in tara

Cheltuieli in raport cu alte tari: 83 (FE group = 100)

Cheltuieli in raport cu alte tari: 84 (FE group = 100)

Cheltuieli raportate la venitul pe familie: 28% (862 €)

Cheltuieli raportate la venitul pe familie: 29% (929 €)

FERRATUM GROUP SUMMER BAROMETER™ 2019
The survey was conducted by Ferratum Group who surveyed its active customers in 17 International countries via web survey with a standardised questionnaire. Incomes are stated in local
currency, and relative Summer consuming is calculated by the ratio of a family’s monthly disposable income in each country.

Topul cheltuielilor in vacanta de vara:
Olanda

Letonia
9%

16 %

9%

Activitati recreationale singur/in
familie

19 %

Calatorii in tara

10 %

Redecorarea casei

Calatorii in strainatate
Obiecte vestimentare

10 %

Obiecte vestimentare
12 %

15 %

Gradinarit sau diy

14 %

Finantarea activitatilor de vara
pentru copii
Redecorarea casei

11 %

Cheltuieli in raport cu alte tari: 127 (FE group = 100)

Cheltuieli in raport cu alte tari: 119 (FE group = 100)

Cheltuieli raportate la venitul pe familie: 43% (544 €)

Cheltuieli raportate la venitul pe familie: 40% (1113€)

Norvegia
10 %

17 %

Calatorii in strainatate

12 %

22 %
9%

Calatorii in tara

Investitii recreationale

Obiecte vestimentare

Social events

Social events

Activitati sociale (plaja, cluburi, etc)
11 %

Polonia
8%

11 %

11

Activitati sociale (plaja, cluburi, etc)

Calatorii in tara

Activitati recreationale singur/
in familie

10 %
11 %

Calatorii in strainatate

Cheltuieli in raport cu alte tari: 107 (FE group = 100)

Cheltuieli in raport cu alte tari: 122 (FE group = 100)

Cheltuieli raportate la venitul pe familie: 36% (1427 €)

Cheltuieli raportate la venitul pe familie: 41% (607 €)

FERRATUM GROUP SUMMER BAROMETER™ 2019
The survey was conducted by Ferratum Group who surveyed its active customers in 17 International countries via web survey with a standardised questionnaire. Incomes are stated in local
currency, and relative Summer consuming is calculated by the ratio of a family’s monthly disposable income in each country.

Topul cheltuielilor in vacanta de vara:
Romania
9%

18 %

8%

Calatorii in tara
Redecorarea casei

9%

Spania
21 %

Activitati sociale (plaja, cluburi, etc)

10 %

Activitati recreationale singur/
in familie

Activitati recreationale singur/
in familie
Activitati sociale (plaja, cluburi, etc)
15 %

15 %

Obiecte vestimentare

11 %

Obiecte vestimentare

Calatorii in strainatate

19 %

Cheltuieli in raport cu alte tari: 35 (FE group = 100)

Cheltuieli in raport cu alte tari: 149 (FE group = 100)

Cheltuieli raportate la venitul pe familie: 12% (119 €)

Cheltuieli raportate la venitul pe familie: 51% (1047 €)

Suedia
9%
16 %

UK

11 %
15 %

11 %

Activitati sociale (plaja, cluburi, etc)
Calatorii in tara

10 %

12

Calatorii in tara

11 %

Obiecte vestimentare
13 %

Calatorii in strainatate

Calatorii in strainatate

Activitati sociale (plaja, cluburi, etc)

Social events

Activitati recreationale singur/
in familie

Activitati recreationale singur/
in familie

12 %
12 %

Social events

Cheltuieli in raport cu alte tari: 85 (FE group = 100)

Cheltuieli in raport cu alte tari: 114 (FE group = 100)

Cheltuieli raportate la venitul pe familie: 29% (1022 €)

Cheltuieli raportate la venitul pe familie: 39% (1291 €)

FERRATUM GROUP SUMMER BAROMETER™ 2019
The survey was conducted by Ferratum Group who surveyed its active customers in 17 International countries via web survey with a standardised questionnaire. Incomes are stated in local
currency, and relative Summer consuming is calculated by the ratio of a family’s monthly disposable income in each country.

Cum a fost realizat Barometrul
de Vara Ferratum Group
2019™?
Sondajul a fost efectuat de catre clientii activi Ferratum Group in 17 tari din Europa ca
un sondaj online cu un chestionar standardizat pentru toate tarile. Veniturile au fost
mentionate in moneda locala si investitiile relative pentru vara, calculate ca raport intre
cheltuielile de vara si venitul familiei disponibil in fiecare tara.
Peste 22.000 de gospodarii au participat la sondaj. Respondentii au avut varste cuprinse
intre 18 si 61 de ani, iar 53% au fost femei. Venitul mediu disponibil al gospodariilor
care au participat a fost de €827- € 3934. Marimea medie a gospodariilor este de 2.9
persoane.
In plus fata de factorii demografici, respondentii au fost intrebati despre venitul lunar
disponibil, cat de mult cheltuiesc in perioada verii, pe ce activitati cheltuiesc banii si
daca vor folosi serviciile AirBnb pentru cazare sau vor utiliza mobile banking-ul in timpul
calatoriilor in strainatate.
Sondajele au folosit valuta respectiva a fiecarei tari iar raspunsurile au fost echivalate
astfel incat sa reflecte puterea de cumparare a fiecareia. Toti respondentii la sondaj au
fost anonimi.

13

FERRATUM GROUP SUMMER BAROMETER™ 2019
The survey was conducted by Ferratum Group who surveyed its active customers in 17 International countries via web survey with a standardised questionnaire. Incomes are stated in local
currency, and relative Summer consuming is calculated by the ratio of a family’s monthly disposable income in each country.


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