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PHA TENANT SURVEY (FINANCIAL EXCLUSION) Presentation of results Prepared for: BILL SARGENT TRUST Prepared by: MARKETING SCIENCES LTD 8 St Clement Street.

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Presentation on theme: "PHA TENANT SURVEY (FINANCIAL EXCLUSION) Presentation of results Prepared for: BILL SARGENT TRUST Prepared by: MARKETING SCIENCES LTD 8 St Clement Street."— Presentation transcript:

1 PHA TENANT SURVEY (FINANCIAL EXCLUSION) Presentation of results Prepared for: BILL SARGENT TRUST Prepared by: MARKETING SCIENCES LTD 8 St Clement Street Winchester Hampshire SO23 9DR Tel: 01962 842211 Fax: 01962 840486 MS30053 SEPTEMBER 2002

2 TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002 Methodology Random sample of 433 general needs tenants of Portsmouth Housing Association/Southlands Housing Association Keyplan tenants 31 taken out (unsuitable for interview) – left 402 7 outlying addresses – did not allocate Achieved 213 interviews from 395 addresses (target was 200) Interviews carried out in July 2002 with named tenant or their spouse/partner -1-

3 TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002 Outcomes Addresses allocated=395 Interviews achieved=213 No contact=123 Refusals=44 Empty=5 Other (e.g. too frail)=10 Taking the 5 empty properties out of the starting base of 395 means the 213 interviews = 55% success rate Looked at achieved sample profile in terms of – –area (postcode) –type of property –whether PHA or Southlands Weighting required on 1 factor only (property type – too many 3 bedroom houses and concomitantly too few 1 bedroom flats) -2-

4 TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002 Profile of respondents Q1 Length of tenancy % Base: all responding (212) Q29 Ethnic origin Base: all responding (205) -3- %

5 TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002 Profile of respondents (cont.) Q24 Number in household % Average: 2.7 Base: all responding (213) Q24/Q25 Household type -4- Base: all responding (210) %

6 TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002 Profile of respondents (cont.) -5- Q26 Age % Base: all responding (213) Q27 Current situation (respondent and spouse/partner) Base: all respondents and spouse/partners (277) % <1% 53% of households - tenant (and spouse/partner if applicable) not in work 47% of households - tenant and/or spouse or partner in work

7 TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002 Q41/Q43 Sources of income (respondent and/or spouse or partner) % - less than half have a wage -6- Base: all responding (213)

8 TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002 Q45/Q46/Q47 Whether thinks might be eligible for benefits not receiving and reasons for not claiming -7- Q46 Respondent and/or spouse/partner might be eligible for benefits not claiming? Base: all responding (213) % Q47 Which benefits? % Q48 Why not claiming? N.B. IS LOW BASE OF 13 PEOPLE %

9 TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002 Q42/Q44 Net total weekly income (respondent and/or spouse or partner) % Total amount -8- Base: all responding (212) % Average £207.87 Average £91.05 Per capita amount < 1% % Total exc. dk/ref. % Per capita exc.dk/ref. N/A

10 TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002 Q30a/b Reasons for not working (full-time) – respondent and/or spouse or partner % -9- Base: respondents and spouse/partners working part-time or unemployed or looking after family/home (115)

11 TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002 Q32/Q33 Current childcare arrangements and any additional needed % Q32 Current -10- Base: those with children 0-15 in household (121) % Q33 Additional needed most popular are for school age children None Relative/friend not registered as childminder Half day play group/preschool/nursery All day nursery After school supervision/club Registered childminder Relative/friend registered as childminder School holiday supervision

12 TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002 Q34 Cost of childcare per week % -11- Base: those with childcare arrangements (49) Only 17 people paying for childcare (8% of total sample) Average £6.38 Average (exc. nothing) £17.99

13 TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002 Q18/Q19/Q22 Whether has bank/building society account and, if so, how many -12- % Q18 Has bank/building society account? Base: all responding (213) Q19 How many? % Base: all responding with an account (164) % Q22 In credit? Base: all responding with an account (159)

14 TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002 Q20/Q21 Whether uses (all) accounts and, if not, why not -13- % Q20 Use (all) account(s)? Base: all responding with an account (164) Q21 Reasons for not using % Base: all responding with an account they do not use (19) N.B. IS LOW BASE OF 19 PEOPLE

15 TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002 Q23 Reasons for not having bank/building society account -14- % Base: all responding without a bank/building society account (46)

16 TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002 Q4/Q5 Fuel(s) used and current suppliers -15- Q4 Fuel(s) used Base: all responding (213) % Q5 Electricity supplier Q5 Gas supplier Base: all responding (212) Base: all responding using gas (183) % %

17 TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002 Q5 Whether using same or different supplier for gas and electricity -16- Base: all responding using both gas and electricity (176) % Base: all responding who use same supplier (82) Same or different? % Which?

18 TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002 Q6 Spend per year on electricity and gas % Electricity -17- % Gas <1% Base: all responding using electricity/gas (213)(182) £318.50£296.86

19 TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002 Q6 Total spend per year on fuel % -18- Average £572.09 Base: all responding (213) - No significant differences in expenditure between those having same supplier for electricity and gas compared to those using different supplier -Those using electricity only have lower average expenditure (but is a small base of 30 people)

20 TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002 Q7 Ease of finding money to pay for fuel % -19- Average 2.92 Base: all responding (210) 73% easy 27% difficult Most difficulty – - those living alone (40% very/fairly difficult) - those living in a flat (35% very/fairly difficult)

21 TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002 Q8 How pay for gas/electricity % Electricity -20- % Gas Base: all responding (213) N/A Base: all responding using gas(183)

22 TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002 Q11 Methods used to save energy % -21- Base: all responding (213)

23 TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002 Q12/Q15 Whether has contents insurance and, if so, with which company -22- Q12 Contents insurance? Base: all responding (213) % Q15 Insurance company Base: all responding who have contents insurance (98) % Least likely to have contents insurance – aged under 55 (57% no) – tenants less than 3 yrs (60% no) – 1 person households (59% no)

24 TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002 Q13/Q14 Cost per year of contents insurance and maximum claim -23- Q13 Cost per year % Base: all responding with contents insurance (98) % wide range of amounts Q14 Maximum claim Average: £119.52 Average exc: nothing: £121.70 Average: £22,420

25 TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002 Q16 Reasons for not having contents insurance -24- % Base: all responding who do not have contents insurance (114)

26 TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002 Q17 Whether contents insurance would have been useful in past -25- Q17 Occasions in past when would have been useful? % Base: all responding who do not have contents insurance (114) % Which occasions Base: all responding who do not have contents insurance but think it might have been useful in past (26) N.B. IS LOW BASE OF 26 PEOPLE

27 TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002 Q35 Whether has any outstanding loans/debts and, if so, what -26- Q35 Have outstanding loans/debts? Base: all responding (213) % Q35 Loans/debts outstanding Base: all responding (213) <1% % Most likely to be -aged 18 – 34 (79%) -have kids (71% single parents, 75% couple with kids) -*working (71%) (*respondent and/or spouse or partner)

28 TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002 Q39 How much worry about paying loans/debts -27- % Base: all responding with loan/debt outstanding (117)

29 TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002 Q36 Amount borrowed/outstanding for each -28- Base: those with each outstanding loan/debt

30 TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002 Q36 Total amount borrowed/outstanding -29- % Base: all responding with an outstanding debt/loan (119) Average £2,043

31 TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002 Q37 Total amount paying back per week -30- % (Base: all responding with an outstanding debt/loan) (119) Average £24.01 Average exc. nothing £27.64

32 TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002 Q38 Interest rate being charged -31- Base: all responding with each type of loan/debt

33 TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002 Q40 Difficulties (might) have in obtaining credit or borrowing money -32- % Base: all responding (207)

34 TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002 Q49 Topics would be interested in receiving more information on -33- Base: all responding (213) %

35 TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002 Q48 Best way to give information to tenants % -34- Base: all responding (212) <1%

36 TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002 Q2 Likes about current home (spontaneous) -35- Area/location % Size/layout % % Base: all responding (213) Others

37 TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002 Q3 Dislikes about current home (spontaneous) -36- Area/location Size/layout % % Base: all responding (213) Repairs/maintenance % Other %


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