Understanding Loans & Credit (Talk Evaluation Form)

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* 1. Booking ID (please fill in the 4 digit code provided by your trainer)

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* 2. Your Gender:

Male

Female

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* 3. Your Race :

Chinese

Malay

Indian

Other (please specify)

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* 4. Your Citizenship:

Singapore Citizen

Singapore Permanent Resident

Other (please specify)

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* 5. Your Age Range:

20 years and under

21 to 30 years

31 to 40 years

41 to 50 years

51 to 60 years

61 years and above

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* 6. Your Current Family Status:

Single with no dependants

Single with dependants

Married with no dependants

Married with dependants

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* 7. Your Highest Level of Education:

PSLE (Primary School)

"N' Level / "O" Level / ITE Certification

"A" Level / Diploma

Bachelor Degree

Postgraduate Degree

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* 8. Your Annual Household Income Range (Before Taxes):

$24,000 and below

Between $24,000 and $30,000

Between $30,001 and $60,000

Between $60,001 and $90,000

Between $90,001 and $120,000

Between $120,001 and above

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* 9. Please respond by CLICKING the appropriate number on the scale from (Strongly Disagree) to (Strongly Agree).

	Strongly Disagree	Disagree	Neutral	Agree	Strongly Agree
The training session has achieved its objectives.	The training session has achieved its objectives. Strongly Disagree	The training session has achieved its objectives. Disagree	The training session has achieved its objectives. Neutral	The training session has achieved its objectives. Agree	The training session has achieved its objectives. Strongly Agree
The materials are useful to me.	The materials are useful to me. Strongly Disagree	The materials are useful to me. Disagree	The materials are useful to me. Neutral	The materials are useful to me. Agree	The materials are useful to me. Strongly Agree
There was appropriate use of examples and exercises to help me understand the topic.	There was appropriate use of examples and exercises to help me understand the topic. Strongly Disagree	There was appropriate use of examples and exercises to help me understand the topic. Disagree	There was appropriate use of examples and exercises to help me understand the topic. Neutral	There was appropriate use of examples and exercises to help me understand the topic. Agree	There was appropriate use of examples and exercises to help me understand the topic. Strongly Agree
The concepts and skills presented help me in my personal development.	The concepts and skills presented help me in my personal development. Strongly Disagree	The concepts and skills presented help me in my personal development. Disagree	The concepts and skills presented help me in my personal development. Neutral	The concepts and skills presented help me in my personal development. Agree	The concepts and skills presented help me in my personal development. Strongly Agree
The trainer has good knowledge of the topic.	The trainer has good knowledge of the topic. Strongly Disagree	The trainer has good knowledge of the topic. Disagree	The trainer has good knowledge of the topic. Neutral	The trainer has good knowledge of the topic. Agree	The trainer has good knowledge of the topic. Strongly Agree
The trainer is able to communicate the ideas and concepts to me.	The trainer is able to communicate the ideas and concepts to me. Strongly Disagree	The trainer is able to communicate the ideas and concepts to me. Disagree	The trainer is able to communicate the ideas and concepts to me. Neutral	The trainer is able to communicate the ideas and concepts to me. Agree	The trainer is able to communicate the ideas and concepts to me. Strongly Agree
The trainer makes the topic relevant to me.	The trainer makes the topic relevant to me. Strongly Disagree	The trainer makes the topic relevant to me. Disagree	The trainer makes the topic relevant to me. Neutral	The trainer makes the topic relevant to me. Agree	The trainer makes the topic relevant to me. Strongly Agree
The trainer uses practical examples.	The trainer uses practical examples. Strongly Disagree	The trainer uses practical examples. Disagree	The trainer uses practical examples. Neutral	The trainer uses practical examples. Agree	The trainer uses practical examples. Strongly Agree

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* 10. What did you find MOST useful to you about this talk?

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* 11. What did you find LEAST useful to you about this talk?

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* 12. How can we improve on this talk?

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* 13. What other financial topics are you keen to know more about? (TICK whichever applies to you)

Money Management

Investment Planning

Insurance Planning

Debt Management

Retirement Planning

Health Insurance

Financial Planning

Other (please specify)

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* 14. Would you like to receive our (Institute for Financial Literacy) E-Newsletters?

Yes

If yes, your email address:

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* 15. Please CLICK your response to each of the following statements.

	Do Not Know	True	False
With monthly rest, interest is calculated based on the outstanding balance of the loan.	With monthly rest, interest is calculated based on the outstanding balance of the loan. Do Not Know	With monthly rest, interest is calculated based on the outstanding balance of the loan. True	With monthly rest, interest is calculated based on the outstanding balance of the loan. False
When I make new purchases with my credit card, interest will be charged immediately on these purchases if there is an outstanding balance on my credit card.	When I make new purchases with my credit card, interest will be charged immediately on these purchases if there is an outstanding balance on my credit card. Do Not Know	When I make new purchases with my credit card, interest will be charged immediately on these purchases if there is an outstanding balance on my credit card. True	When I make new purchases with my credit card, interest will be charged immediately on these purchases if there is an outstanding balance on my credit card. False
The recommended Mortgage Servicing Ratio is 30% of my gross monthly income or less.	The recommended Mortgage Servicing Ratio is 30% of my gross monthly income or less. Do Not Know	The recommended Mortgage Servicing Ratio is 30% of my gross monthly income or less. True	The recommended Mortgage Servicing Ratio is 30% of my gross monthly income or less. False
The interest rates for secured loans tend to be higher than that for unsecured loans.	The interest rates for secured loans tend to be higher than that for unsecured loans. Do Not Know	The interest rates for secured loans tend to be higher than that for unsecured loans. True	The interest rates for secured loans tend to be higher than that for unsecured loans. False
I am considered a bankrupt when I am put on the Debt Repayment Scheme (DRS).	I am considered a bankrupt when I am put on the Debt Repayment Scheme (DRS). Do Not Know	I am considered a bankrupt when I am put on the Debt Repayment Scheme (DRS). True	I am considered a bankrupt when I am put on the Debt Repayment Scheme (DRS). False

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* 16. How confident are you to do each of the following?

	Not Confident	A Little Confident	Confident	Very Confident
Pick a suitable loan when necessary, knowing its features and costs involved.	Pick a suitable loan when necessary, knowing its features and costs involved. Not Confident	Pick a suitable loan when necessary, knowing its features and costs involved. A Little Confident	Pick a suitable loan when necessary, knowing its features and costs involved. Confident	Pick a suitable loan when necessary, knowing its features and costs involved. Very Confident
Calculate the amount of debt I can afford.	Calculate the amount of debt I can afford. Not Confident	Calculate the amount of debt I can afford. A Little Confident	Calculate the amount of debt I can afford. Confident	Calculate the amount of debt I can afford. Very Confident
Take into consideration the Effective Interest Rate when evaluating instalment plans.	Take into consideration the Effective Interest Rate when evaluating instalment plans. Not Confident	Take into consideration the Effective Interest Rate when evaluating instalment plans. A Little Confident	Take into consideration the Effective Interest Rate when evaluating instalment plans. Confident	Take into consideration the Effective Interest Rate when evaluating instalment plans. Very Confident
Know what to do when I have problem debt.	Know what to do when I have problem debt. Not Confident	Know what to do when I have problem debt. A Little Confident	Know what to do when I have problem debt. Confident	Know what to do when I have problem debt. Very Confident
Borrow with care so that I do not end up as a bankrupt.	Borrow with care so that I do not end up as a bankrupt. Not Confident	Borrow with care so that I do not end up as a bankrupt. A Little Confident	Borrow with care so that I do not end up as a bankrupt. Confident	Borrow with care so that I do not end up as a bankrupt. Very Confident

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* 17. AFTER attending this talk, what is your intention to do each of the following?

	Does Not Apply To Me	No	Maybe	Yes	I Am Already Doing This
Pick a suitable loan when necessary, knowing its features and costs involved.	Pick a suitable loan when necessary, knowing its features and costs involved. Does Not Apply To Me	Pick a suitable loan when necessary, knowing its features and costs involved. No	Pick a suitable loan when necessary, knowing its features and costs involved. Maybe	Pick a suitable loan when necessary, knowing its features and costs involved. Yes	Pick a suitable loan when necessary, knowing its features and costs involved. I Am Already Doing This
Calculate the amount of debt I can afford.	Calculate the amount of debt I can afford. Does Not Apply To Me	Calculate the amount of debt I can afford. No	Calculate the amount of debt I can afford. Maybe	Calculate the amount of debt I can afford. Yes	Calculate the amount of debt I can afford. I Am Already Doing This
Take into consideration the Effective Interest Rate when evaluating instalment plans.	Take into consideration the Effective Interest Rate when evaluating instalment plans. Does Not Apply To Me	Take into consideration the Effective Interest Rate when evaluating instalment plans. No	Take into consideration the Effective Interest Rate when evaluating instalment plans. Maybe	Take into consideration the Effective Interest Rate when evaluating instalment plans. Yes	Take into consideration the Effective Interest Rate when evaluating instalment plans. I Am Already Doing This
Know what to do when I have problem debt.	Know what to do when I have problem debt. Does Not Apply To Me	Know what to do when I have problem debt. No	Know what to do when I have problem debt. Maybe	Know what to do when I have problem debt. Yes	Know what to do when I have problem debt. I Am Already Doing This
Borrow with care so that I do not end up as a bankrupt.	Borrow with care so that I do not end up as a bankrupt. Does Not Apply To Me	Borrow with care so that I do not end up as a bankrupt. No	Borrow with care so that I do not end up as a bankrupt. Maybe	Borrow with care so that I do not end up as a bankrupt. Yes	Borrow with care so that I do not end up as a bankrupt. I Am Already Doing This