\nCercetarea a fost efectuat\u0103 anul acesta \u00een perioada martie-aprilie, fiind chestiona\u0163i \u00een jur de 8.000 de oameni, clien\u0163i Provident, din opt \u0163\u0103ri europene, printre care \u015fi Rom\u00e2nia. \u00cen propor\u0163ie de 44%, participan\u0163ii rom\u00e2ni s-au declarat mul\u0163umi\u0163i de nivelul de trai actual \u015fi consider\u0103 c\u0103 \u00een urm\u0103torele 12 luni situa\u0163ia se va \u00eembun\u0103t\u0103\u0163i din punct de vedere financiar. Motivele pe care se bazeaz\u0103 optimismul rom\u00e2nilor sunt schimbarea circumstan\u0163elor familiale, schimbarea locului de munc\u0103 sau cre\u015fterea veniturilor salariale.<\/p>\n
\nPrincipala grij\u0103 a rom\u00e2nilor \u00een viitorului apropiat r\u0103m\u00e2ne, totu\u015fi, costul traiului. Ace\u015ftia sunt \u00eengrijora\u0163i cu privire la pierderea actualului loc de munc\u0103, dar \u015fi \u00een leg\u0103tur\u0103 cu lipsa veniturilor sau a cheltuielilor ridicate cu serviciile medicale.<\/p>\n
\n91% dintre subiec\u0163ii din Rom\u00e2nia iau \u00een calcul un \u00eemprumut potrivit necesit\u0103\u0163ilor lor financiare, care poate fi rambursat cu u\u015furin\u0163\u0103, iar 43% trateaz\u0103 cu mai mult calm cheltuielile zilnice comparativ cu anul 2014. \u00cemprumuturile sunt de cele mai multe ori solicitate pentru cheltuieli nea\u015fteptate precum \u00eembun\u0103t\u0103\u0163iri \u00een locuin\u0163\u0103, cheltuieli medicale sau educa\u0163ia copiilor. C\u00e2nd accesesaz\u0103 un credit, clien\u0163ii iau \u00een considerare capacitatea de a pl\u0103ti \u00een mod confortabil ratele lunare, suma total\u0103 pe care trebuie s\u0103 o ramburseze \u015fi perioada \u00eemprumutului.<\/p>\n
\nUn num\u0103r mic de responden\u0163i (3 din 10) \u00ee\u015fi fac economii cu regularitate \u015fi doar jum\u0103tate dintre ace\u015ftia se g\u00e2ndesc la posibilitatea unei pensii private, care s\u0103 le asigure un trai lini\u015ftit la b\u0103tr\u00e2ne\u0163e \u015fi s\u0103 le amortizeze impactul sc\u0103derii veniturilor lunare dup\u0103 pensionare.<\/p>\n
\n\u00cen restul \u0163\u0103rilor unde s-a efectuat cercetarea, doar 23% dintre responden\u0163i, \u00een medie, se a\u015fteapt\u0103 la o cre\u015ftere a nivelului de trai \u00een \u0163\u0103rile lor. Studiul a avut ca scop identificarea percep\u0163iei consumatorilor privitor la contextul socio-economic \u015fi la modalit\u0103\u0163ile de creditare \u015fi economisire ale acestora. Celelalte \u0163\u0103ri unde a fost efectuat\u0103 cercetarea sunt Bulgaria, Cehia, Lituania, Polonia, Slovacia, Ungaria, dar \u015fi Mexic, \u00een r\u00e2ndul clien\u0163ilor grupului britanic IPF.<\/p>\n","protected":false},"excerpt":{"rendered":"
Majoritatea rom\u00e2nilor (58%) clien\u0163i ai institu\u0163iilor financiare nebancare consider\u0103 c\u0103 nivelul de trai se va \u00eembun\u0103t\u0103\u0163i \u00een anul 2015, potrivit unui studiu efectuat \u00een toate \u0163\u0103rile \u00een care este prezent International Personal Finance (IPF), grupul din care face parte \u015fi Provident Financial Rom\u00e2nia.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7208],"tags":[8866,283,4126,190,11056,467,30087,76,217,430,8047,32228,6556,245,173,98,7853],"class_list":["post-123889","post","type-post","status-publish","format-standard","hentry","category-servicii-financiare","tag-cercetare","tag-cheltuieli","tag-clienti","tag-crestere-economica","tag-financiar","tag-grup","tag-imbunatatire","tag-institutii","tag-international","tag-majoritate","tag-nivel-de-trai","tag-optimist","tag-personal","tag-prezenta","tag-romani","tag-romania","tag-studiu"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/123889","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=123889"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/123889\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=123889"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=123889"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=123889"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}