REFERENCES
Legal references
Decree of the President of the Russian Federation No. 849 of 12 May 2000, “On Authorized Representatives of the President of the Russian Federation in Federal Districts.”
Federal Law No. 395-1 of 2 December 1990, “On Banks and Banking Activities” (as amended).
Federal Law No. 115-FZ of 7 August 2001, “On Countering the Legalization of Illegal Earnings (Money Laundering) and the Financing of Terrorism.”
Federal Law No. 190 FZ, 2009, “On Credit Cooperation.”
Federal Law No. 151-FZ of 7 July 2010 “On Microfinance Activity and Microfinance Organizations.”
Federal Law No. 161-FZ of 27 June 2011, “On the National Payment System.”
Federal Law No. 177-FZ of 23 December, 2003, “On Insuring Deposits of Natural Persons in the Banks of the Russian Federation.”
Federal Law No. 251-FZ of 23 July, 2013, “On Amending Certain Legal Acts of the Russian Federation in Connection with the Transfer of Authority on the Regulation, Control and Supervision in the Sphere of Financial Markets to the Central Bank of the Russian Federation.”
Federal Law No. 353-FZ of 21 December 2013, “On Consumer Credit (Loan).”
Information Letter of the FFMS of Russia of 14 June, 2012. “On Explanations About Filling in Documents by Microfinance Organizations, Containing Reports on Microfinance Activity and Personnel of Management Bodies of a Microfinance Organization.”
Other documents
Central Bank of the Russian Federation. 2014. “Market of Retail Payment Services: Consumer Behavior.” Moscow: Central Bank of the Russian Federation.
CRPSS (Center for Research of Payment Systems and Settlements) and RMC. 2011. “Assessment of Accessibility of Financial Services Provided Through Banking and Payment Agents. Report on Research Results.” Moscow: CRPSS and RMC.
— — — . 2012. “Evaluation of Accessibility to Financial Services Provided Via Bank and Payment Agents: Second Survey.” Moscow: CRPSS and RMC.
Dostov, Victor, and Pavel Shoust. 2013. “Electronic Payment Services in Russia: The Impact of New Regulations on a Mature and Innovative Market.” Financial Regulation International 16, no. 1, 2013.
Furnham, A. 1984. “Many Sides of the Coin: The Psychology of Money Usage”. Personality and Individual differences, 5 (5).
Global Partnership for Financial Inclusion. 2013. “G20 Financial Inclusion Indicators.”
Kuzina, Olga. 2012. Dynamics of Financial Literacy Indicators 2008–2011. Presentation.
Lyman, Timothy, Stefan Staschen, and Olga Tomilova. 2013. “Financial Inclusion in Russia: Landscaping Report.” Washington, D.C.: CGAP.
Mamuta, Mikhail. 2013. Microfinance Market Development: A Roadmap for 2013–2017.
Presentation at the RMC XII National Conference on Microfinance and Financial Inclusion, November.
Mazer, Rafe, Katharine McKee, and Alexandra Fiorillo. 2014. “Applying Behavioral Insights in Consumer Protection Policy.” Focus Note 95. Washington, D.C.: CGAP.
NAfi(National Agency for Financial Studies). 2013. Encyclopedia on the Financial Behavior of Russians. Moscow: NAFI.
— — — . 2012. One Hundred Facts on the Financial Behavior of Russians. Moscow: NAFI.
World Bank. 2012. The Little Data Book on Financial Inclusion: 2012. Washington, D.C.: World Bank.