COMMISSION REGULATION
(EC) No 215/2007
of 28 February 2007
on implementing Regulation (EC) No 1177/2003 of the European Parliament and of the Council concerning Community statistics on income and living conditions (EU-SILC) as regards the list of target secondary variables relating to over-indebtedness and financial exclusion
(Text with EEA relevance)
Article 1
Article 2
ANNEX
1. Units
2. Modes of data collection
3. Reference periods
4. Definitions
(1) Amounts
(2) Bank account
(3) Credit/store cards
(4) Source of credit and loans
(5) Arrears
(6) Drop in income
(7) Financial exclusion
5. Transmission of data to Eurostat
Variable name |
Module 2008 |
Over-indebtedness and financial exclusion |
Code |
Target variable |
|
Bank accounts and overdraft |
||
MI010 |
|
Household has a bank current account |
1 |
Yes |
|
2 |
No |
|
MI010_F |
1 |
Variable is filled |
-1 |
Missing |
|
MI020 |
|
Household is overdrawn on one of its bank accounts |
1 |
Yes |
|
2 |
No |
|
MI020_F |
1 |
Variable is filled |
-1 |
Missing |
|
-2 |
N/A (no bank account) |
|
MI025 |
|
Estimated total amount unbalanced on household's banks accounts in classes |
1-9 |
Class |
|
MI025_F |
1 |
Variable is filled |
-1 |
Missing |
|
-2 |
N/A (no overdraft: MI020=2) |
|
Credit/store cards |
||
MI030 |
|
Household has credit card(s) and/or store card(s) |
1 |
Yes |
|
2 |
No |
|
MI030_F |
1 |
Variable is filled |
-1 |
Missing |
|
MI040 |
|
Household has credit card(s) and/or store card(s) with uncleared balances |
1 |
Yes |
|
2 |
No |
|
MI040_F |
1 |
Variable is filled |
-1 |
Missing |
|
-2 |
N/A (no credit/store card (MI030=2)) |
|
MI045 |
|
Estimated total amount unbalanced at the last monthly statement on household credit/store cards in classes |
1-9 |
Class |
|
MI045_F |
1 |
Variable is filled |
-1 |
Missing |
|
-2 |
N/A (no unbalanced credit/store card (MI040=2 or MI030=2)) |
|
Source of credits and loans |
||
MI050 |
|
Household has credits or loans (other than mortgage for the main dwelling) |
1 |
Yes |
|
2 |
No |
|
MI050_F |
1 |
Variable is filled |
-1 |
Missing |
|
MI051 |
|
Household has mortgage for other than the main dwelling |
1 |
Yes |
|
2 |
No |
|
MI051_F |
1 |
Variable is filled |
-1 |
Missing |
|
-2 |
N/A (MI050=2) |
|
MI052 |
|
Household has hire purchase instalments (e.g. leasing, car, technical equipment) |
1 |
Yes |
|
2 |
No |
|
MI052_F |
1 |
Variable is filled |
-1 |
Missing |
|
-2 |
N/A (MI050=2) |
|
MI053 |
|
Household has home-related credit/loans (inventory, domestic appliances, repairs) |
1 |
Yes |
|
2 |
No |
|
MI053_F |
1 |
Variable is filled |
-1 |
Missing |
|
-2 |
N/A (MI050=2) |
|
MI054 |
|
Household has credit/loans to pay for holidays/leisure |
1 |
Yes |
|
2 |
No |
|
MI054_F |
1 |
Variable is filled |
-1 |
Missing |
|
-2 |
N/A (MI050=2) |
|
MI055 |
|
Household has credit/loans to pay for education or childcare |
1 |
Yes |
|
2 |
No |
|
MI055_F |
1 |
Variable is filled |
-1 |
Missing |
|
-2 |
N/A (MI050=2) |
|
MI056 |
|
Household has credit/loans to pay for health issues |
1 |
Yes |
|
2 |
No |
|
MI056_F |
1 |
Variable is filled |
-1 |
Missing |
|
-2 |
N/A (MI050=2) |
|
MI057 |
|
Household has credit/loans for investment or business start-up |
1 |
Yes |
|
2 |
No |
|
MI057_F |
1 |
Variable is filled |
-1 |
Missing |
|
-2 |
N/A (MI050=2) |
|
MI058 |
|
Household has other cash loans (debt conversion, to cover overdraft, credit card and other bills, etc.) |
1 |
Yes |
|
2 |
No |
|
MI058_F |
1 |
Variable is filled |
-1 |
Missing |
|
-2 |
N/A (MI050=2) |
|
Arrears |
||
MI060 |
|
Arrears on other non-housing household bills |
1 |
Yes |
|
2 |
No |
|
MI060_F |
1 |
Variable is filled |
-1 |
Missing |
|
-2 |
N/A (no other non-housing household bills) |
|
MI065 |
|
Estimated total amount currently in arrears for other non-housing household bills in classes |
1-9 |
Class |
|
MI065_F |
1 |
Variable is filled |
-1 |
Missing |
|
-2 |
N/A (no arrears currently (MI060=2 or current amount owed is zero) or no other non-housing household bills (MI060_F=-2)) |
|
MI075 |
|
Estimated total amount currently in arrears for household housing bills/repayments in classes |
1-9 |
Class |
|
MI075_F |
1 |
Variable is filled |
-1 |
Missing |
|
-2 |
N/A (no arrears currently (HS010=2 and HS020=2 or current amount owed is zero) or no housing household bills/repayments (HS010_F=-2 and HS020_F=-2)) |
|
MI085 |
|
Estimated total amount currently in arrears for household other loans and credit repayment in classes |
1-9 |
Class |
|
MI085_F |
1 |
Variable is filled |
-1 |
Missing |
|
-2 |
N/A (no arrears currently (HS030=2 or current amount owed is zero) or no other loans and credit repayment (HS030_F=-2)) |
|
Drop in income |
||
MI090 |
|
Major drop in household income during the last 12 months |
1 |
Yes |
|
2 |
No |
|
MI090_F |
1 |
Variable is filled |
-1 |
Missing |
|
MI095 |
|
Main reason for drop in income |
1 |
Job loss/redundancy |
|
2 |
Change in hours worked and/or in wages |
|
3 |
Inability to work through sickness or disability |
|
4 |
Maternity — parental leave — childcare |
|
5 |
Retirement |
|
6 |
Marriage/relationship breakdown |
|
7 |
Other change in household composition |
|
8 |
Other reason |
|
MI095_F |
1 |
Variable is filled |
-1 |
Missing |
|
-2 |
N/A (no drop in income (MI090=2)) |
|
Future expectations |
||
MI100 |
|
Expectation of financial situation in the next 12 months; do you expect your financial situation |
1 |
To improve |
|
2 |
To stay about the same |
|
3 |
To get worse |
|
4 |
Don't know |
|
MI100_F |
1 |
Variable is filled |
-1 |
Missing |
|
Financial exclusion |
||
Reasons why the household does not have a bank current account |
||
MI110 |
|
Household doesn't need an account and prefers to deal in cash |
1 |
Yes |
|
2 |
No |
|
MI110_F |
1 |
Variable is filled |
-1 |
Missing |
|
-2 |
N/A (household has bank current account (MI010=1)) |
|
MI111 |
|
The charges are too high |
1 |
Yes |
|
2 |
No |
|
MI111_F |
1 |
Variable is filled |
-1 |
Missing |
|
-2 |
N/A (household has bank current account (MI010=1) or does not need one (MI110=1)) |
|
MI112 |
|
There is no bank branch near where household lives or works |
1 |
Yes |
|
2 |
No |
|
MI112_F |
1 |
Variable is filled |
-1 |
Missing |
|
-2 |
N/A (household has bank current account (MI010=1) or does not need one (MI110=1)) |
|
MI113 |
|
Household has applied for an account and been turned down |
1 |
Yes |
|
2 |
No |
|
MI113_F |
1 |
Variable is filled |
-1 |
Missing |
|
-2 |
N/A (household has bank current account (MI010=1) or does not need one (MI110=1)) |
|
MI114 |
|
Banks would refuse household |
1 |
Yes |
|
2 |
No |
|
MI114_F |
1 |
Variable is filled |
-1 |
Missing |
|
-2 |
N/A (household has bank current account (MI010=1) or does not need one (MI110=1)) |
|
Reasons why the household does not have commercial credit |
||
MI120 |
|
Household doesn't need to borrow at all |
1 |
Yes |
|
2 |
No |
|
MI120_F |
1 |
Variable is filled |
-1 |
Missing |
|
-2 |
N/A (household has commercial credit) |
|
MI121 |
|
Household can borrow from family or friends |
1 |
Yes |
|
2 |
No |
|
MI121_F |
1 |
Variable is filled |
-1 |
Missing |
|
-2 |
N/A (household has commercial credit) |
|
MI122 |
|
Household will not be able to repay debt |
1 |
Yes |
|
2 |
No |
|
MI122_F |
1 |
Variable is filled |
-1 |
Missing |
|
-2 |
N/A (household has commercial credit or does not need it (MI120=1)) |
|
MI123 |
|
Household has applied for credit and been turned down |
1 |
Yes |
|
2 |
No |
|
MI123_F |
1 |
Variable is filled |
-1 |
Missing |
|
-2 |
N/A (household has commercial credit or does not need it (MI120=1)) |
|
MI124 |
|
Household used to have credit but the facility was withdrawn |
1 |
Yes |
|
2 |
No |
|
MI124_F |
1 |
Variable is filled |
-1 |
Missing |
|
-2 |
N/A (household has commercial credit or does not need it (MI120=1)) |
|
MI125 |
|
Banks would refuse to give credit to household |
1 |
Yes |
|
2 |
No |
|
MI125_F |
1 |
Variable is filled |
-1 |
Missing |
|
-2 |
N/A (household has commercial credit or does not need it (MI120=1)) |