diff --git a/activerecord/lib/active_record/connection_adapters/abstract/schema_definitions.rb b/activerecord/lib/active_record/connection_adapters/abstract/schema_definitions.rb
index 520f3c8..296a155 100644
--- a/activerecord/lib/active_record/connection_adapters/abstract/schema_definitions.rb
+++ b/activerecord/lib/active_record/connection_adapters/abstract/schema_definitions.rb
@@ -67,8 +67,8 @@ module ActiveRecord
       def type_cast(value)
         return nil if value.nil?
         case type
-          when :string    then value
-          when :text      then value
+          when :string    then self.class.transcode_text(value)
+          when :text      then self.class.transocde_text(value)
           when :integer   then value.to_i rescue value ? 1 : 0
           when :float     then value.to_f
           when :decimal   then self.class.value_to_decimal(value)
@@ -166,6 +166,12 @@ module ActiveRecord
           end
         end
 
+        # Transcodes +:string+ or +:text+ to a correct encoding.
+        def transcode_text(value)
+          condition = defined?(Encoding.default_internal) && !Encoding.default_internal.nil?
+          condition ? value.force_encoding(Encoding.default_internal) : value
+        end
+
         protected
           # '0.123456' -> 123456
           # '1.123456' -> 123456