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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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