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Commission Regulation (EC) No 215/2007Show full title
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)
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5.Transmission of data to Eurostat
The target secondary variables on ‘over-indebtedness and financial exclusion’ will be sent to Eurostat in the household data file (H) after the target primary variables.
AREAS AND LIST OF TARGET VARIABLES
| 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)) | |
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