The PLOUTOS project – “Cooperation for achieving third country nationals’ financial independence through financial literacy tools and entrepreneurship bootcamps” aims to improve third country nationals’ access to financial services via:

          - a course on financial literacy and sustainability supported by a relevant language course;
          - a course on community interpreting offered to people already offering this service without having had any professional training (including migrants residing in the host country for more than 3 years, second generation, employees of financial service providers and NGOs);
          - practice business programme enabling practical training of third country nationals in applying their financial literacy skills on the job.

The multi-stakeholder consortium of 11 project partners from 7 EU member states (Sweden, Cyprus, Greece, Italy, Belgium, Croatia, Bulgaria) includes 2 universities, 2 SMEs, 1 banking & 1 microfinance associations, 1 pubic authority representative and 4 NGOs. Project coordinator is the Swedish research institution Hogskolan I Halmstad; Sofia Development Association is the Bulgarian project partner. The project duration is 3 years – from November 2021 to October 2024.

This questionnaire seeks to analyse the current situation and barriers for TCNs and identify the support needed.

This questionnaire is anonymous, and all replies will be held securely and confidentially.
We would be grateful for your support in this important research. Completing the questionnaire is easy as it simply requires you to tick various options or provide some short answers and will only take about 5-10 minutes of your time.

Thank you!


1. Confidentiality
All responses will be completely anonymous. No personal identifying information or IP addresses will be collected during the survey. All information and data collected will be used in aggregated form only, and solely for the purposes of the PLOUTOS project.

2. Protection of personal data
All project partners shall abide by the European personal data protection legislation, irrespective of the country in which the survey is performed. The relevant legal framework for collection, processing, and storage of personal data on EU level includes.
Regulation (EU) 2016/679 on the protection of natural persons with regard to the processing of personal data (GDPR);
Regulation (EU) 2018/1725 on the protection of natural persons with regard to the processing of personal data by the Union institutions, bodies, offices and agencies and on the free movement of such data, and repealing Regulation (EC) No 45/2001 and Decision No 1247/2002/EC.
Regulation (EU) 2019/788 on the European citizens’ initiative.
Commission Regulation (EU) 611/2013 on the measures applicable to the notification of personal data breaches under Directive 2002/58/EC of the European Parliament and of the Council on privacy and electronic communications.
Directive 2002/58/EC concerning the processing of personal data and the protection of privacy in the electronic communications sector.
Directive on Data Protection in Police and Criminal Justice Activities (Directive (EU) 2016/680).


I declare that I voluntarily agree to participate in the survey. I confirm that I have read the provided information about confidentiality and data protection.
I understand that:
I can decide to withdraw from the survey at any moment without giving any reason about my decision.
I am aware about the objective of the survey.
All information I provide will be used confidentially.
My identity will be kept anonymous in any output, produced as a result of my participation in the survey. The anonymous information collected from my participation will be securely kept by Sofia Development Association, controlled by the data project officer of SDA, Denitsa Lozanova until project completion.
I am free to contact Snezhina Gabova,, for further clarification, if needed, at any time during the project duration.
I confirm that:
I have read and understood the above information and the confidentiality rules, and I voluntarily agree to participate in this survey.

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1. General and demographic information
1.1 Nationality: *
1.2. Place of residence (city): *
1.3. Gender: *
1.4 Age: *
1.5. Educational background: *
1.6. Marital status: *
1.7. Occupation/Recent Situation (e.g. doctor, farmer, employee, unemployed, entrepreneur/business owner, student, houseworker): *
1.8. Qualifications in Finance.                                                                                                                                    1.8.1. Have you attended previous financial courses or had any previous financial experience? *
1.8.2. If yes, which was your source of financial knowledge/experience?
1.8.3. If you have attended previous business/ financial courses, what was your experience (e.g. was bad or good, you can mention the name of the course/organization and other information)?
2. Needs addressed through financial literacy and/or business/financial language education
2.1. Please choose three main reasons why you need to achieve financial literacy and learn business/financial language (e.g. to start my own business, open a bank account, buy property). Please list the three main reasons: *
2.2 Which financial products and services would you need? (Please select all that apply):
Loan products/services *
Saving products/services *
Insurance products/services *
Other services   *
3. Difficulties TCNs face
3.1. What are the main obstacles and difficulties, related to financial matters, that you face? (you can select more than one option): *
External Factors: *
3.2. Would you like to open a business? If yes please identify what are the difficulties that you are facing (you can select more than one option):
4. Receiving support
4.1. Most preferred support (please, select one option): *
4.2. How much time could you dedicate to studying/learning? *
4.3. Which is your preferred duration of training? *
5. Expectations
5.1.  What are your expectations regarding the PLOUTOS project, its training in financial literacy and business language, and support of public authorities at local, national and European level? *
6. General comments and recommendations
If you'd like to share any other ideas or comments, please write.
7. Further cooperation
7.1. Would you be interested in further cooperation with the project “PLOUTOS” or information on its outcomes? *
If you answered yes, please write your email address for contact.
7.2 Do you have any previous relevant experience in financial literacy and business language? Would you like to be a trainer / mentor on specific topics? *
If you answered yes, please add your email address for contact.
Thank you for participating in this project survey!
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