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So far, research on the causes of over-indebtedness in Europe has predominantly focused on the characteristics of individuals or households. This article investigates to what extent country-level factors are associated with a European household's risk of being over-indebted. We examine variables that reflect policies aimed at combating over-indebtedness (the average level of economic literacy prevalent within a country and its classification into a specific debt-discharge regime) and variables that reflect other welfare-state policies (a country's affiliation to a specific employment regime and a summary measure referring to the net replacement rate in the case of long-term unemployment). The results, which are based on multilevel logistic regression analyses of European Union Statistics on Income and Living Conditions (EU-SILC) data for 27 European countries, suggest that all four country-level factors matter. This particularly applies to the variables reflecting other welfare-state policies, thus underlining the relevance of the design of social policy in fighting over-indebtedness.
Österreichische Systematik der Wissenschaftszweige (ÖFOS)
- 504003 Armut und soziale Ausgrenzung
- 1 Abgeschlossen
Überschuldungskarrieren und Überschuldungsphasen privater Haushalte: Ursachen, Merkmale, Auswirkungen und Interventionsmöglichkeiten am Beispiel Österreichs
Heitzmann, K., Angel, S. & Einböck, M.
1/08/08 → 31/10/10