10. Credit cards and loans, excluding a housing loan

Todo

↓無配偶用質問票

10.1. Do you use credit cards?

  1. Yes, I do.

  2. Yes, I have credit cards but we rarely use them —-> (Go to Q10.2)

  3. No, I do not have credit cards.

10.1.1. How many credit cards do you have?

__ __ cards

10.1.2. Roughly how much do you spend on your credit card per month?

__ __ __ thousand yen

10.1.3. Do you have established rules about using credit cards and the amount to spend?

  1. Yes

  2. No

10.1.4. Do you check your credit card bill every month?

  1. I always check it

  2. I sometimes check it

  3. I do not usually check it

[For all respondents]

10.2. Are you repaying any loan(s) (car loan, consumer loan, cashing, etc.) other than a housing loan?

  1. Yes

  2. No —-> (Go to Q10.4)

10.2.1. What is the total balance due on the loan(s) and the amount of loan(s) you have repaid during the past year (October 2020 - - September 2021 )?

Total balance due on the loan(s) __ __ __ __ ten thousand yen

Amount of loan(s) repaid for the past one year __ __ __ ten thousand yen

  1. I did not repay in the past year

10.2.2. Have you newly borrowed money during the past year (October 2020 - - September 2021 )?

  1. Yes —-> New balance due on the loan(s) __ __ __ __ ten thousand yen

  2. No

10.2.3. In the table below, please enter information about the new loan(s) that you and your husband have.

Choose code numbers from the code list below and enter them in the columns “(1) Purpose of borrowing”, “(2) Borrowed from”, and “(3) Reason for borrowing from the source”. Please enter the most important reason in the column “(3) Reason for borrowing money from the source”.

(1) Purpose of borrowing
(enter any of the code numbers from 01 to 11)
(2) Borrowed from
(enter any of the code numbers from 21 to 28)
(3) Reason for borrowing from the source
(enter any of the code numbers from 31 to 45)

(4) Total balance due on the loan(s)

(5) Amount of loan(s) repaid during the past one year

______

______
______
______
______

______ ten thousand yen

1. ______
2. I did not repay in the past year

______

______
______
______
______

______ ten thousand yen

1. ______
2. I did not repay in the past year

______

______
______
______
______

______ ten thousand yen

1. ______
2. I did not repay in the past year
Table 10.3 Code list

Purpose of borrowing

Borrowed from

1. Business funds
2. To buy an automobile
3. To buy durable consumer goods such as furniture and consumer electronics
4. To buy clothing, personal goods, foods, etc.
5. To pay for hobbies, leisure activities, and social expenses
6. To pay educational expenses
7. To create marriage fund
8. To provide for any unexpected illnesses or accidents
9. To supplement household living expenses
10. To repay a debt
11. For other purposes
21. Post office or financial institution such as a bank
22. Employee loan
23. Bank credit company
24. Credit selling company
25. Consumer loan company
26. Retailers’ loan company
27. My parent(s)
28. Other

Reason for borrowing money from the source

31 We could borrow money only from that source
32 The process was simple there
33 We could borrow money the fastest from that source
34 The business hours were longer and night services were provided there
35 Saturday and Sunday services were provided there
36 The rate of interest was low there
37 We were earnestly solicited by an employee in the company or institution
38 Our friend(s) or acquaintance(s) recommended the source
39 We had a credit card issued by the source
40 The repayment seemed to be simple there
41 The source was in our neighborhood
42 The source was well known and reliable
43 We could borrow money easily from the source
44 We didn’t want to borrow money from a financial institution
45 Other reason

10.3. How do you feel about the burden of your repayments?

  1. It feels light.

  2. It feels slightly heavy.

  3. It feels considerably heavy.

  4. It feels very heavy.


[For all respondents]

10.4. Have you ever had a loan application rejected during the past year (October 2020 – September 2021 )?

Pleas select all that apply.

  1. Yes

  2. No, but we had the loan amount decreased

  3. No

10.5. Have you ever given up asking for a loan during the past year (October 2020 – September 2021 ) because you thought it would be rejected?

  1. Yes

  2. No

10.6. Are you going to get a new or additional loan in the future?

  1. Yes

  2. No —-> (Go to Furniture and consumer electronics)

  3. Don’t know —-> (Go to Furniture and consumer electronics)

10.6.1. What companies or institutions are you going to choose as sources from which you borrow money?

Choose 3 out of the 9 answers listed below and enter their numbers in the boxes provided in your order of preference.

  1. 1st choice _______

  2. 2nd _______

  3. 3rd _______

1. Post office or financial institution such as bank
2. Housing Loan Corporation or other public loan
such as pension loan, asset-formation loan, public corporation loan, municipal corporation loan, etc.
3. Worker-company loan
4. Bank credit company (JCB, VISA, UC, etc.)
5. Credit selling company (Nippon Shinpan, Jaccs, Life, etc.)
6. Consumer loan company (Akomu, Takefuji, Puromise, Lake, etc.)
7. Retailers’ loan company
(Marui, Credit Saison, Daiei Finance, and other loan or credit companies managed by department stores.)
8. Other (Please specify: ________________ )
9. Don’t know

10.6.2. Why are you going to borrow money from a company or institution?

Pleas select all that apply.

  1. Because the process is simple there

  2. Because it has longer business hours and provides night services

  3. Because it provides Saturday and Sunday services

  4. Because the rate of interest is low there

  5. Because there is no need to have a mortgage, guarantor, or any other constraint

  6. Because it keeps customers’ information confidential so that we don’t need to worry

  7. Because the lender’s service to the borrower improves after the loan is taken out

  8. Because it is well known and reliable

  9. Because of other reasons (Please specify: _________ )

10.7. We would like to ask about your use of cashless services. How often do you use the following payment methods in your everyday shopping?

10.7.1. QR code / barcode settlement

  1. I use it all the time

  2. I use it sometimes

  3. I have an (electronic payment) app, but hardly ever use it

  4. I do not have an (electronic payment) app