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Borrowing and socio-economic characteristics of households: results of sample surveys carried out by the Bank of Greece

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Author Info

  • George T. Simigiannis

    ()
    (Bank of Greece)

  • Panagiota G. Tzamourani

    ()
    (Bank of Greece)

Abstract

This paper uses data from two household surveys conducted by the Bank of Greece in 2002 and 2005 and examines how various socio-economic characteristics of households, such as size, income and wealth, the age, education level and tenure of employment of the head, the number of members in employment and the degree of urbanisation of the place of residence are related to the probability of having a loan, the level of indebtedness, the distribution of the debt service cost to income ratio and also the non-servicing of loans. Most of the characteristics examined were found to be associated with the household’s probability of having a loan. The level of indebtedness was found to be positively correlated with household income and wealth and also associated with the age of the household head. Finally, certain household characteristics were also found to affect capacity to service debt obligations properly.

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File URL: http://www.bankofgreece.gr/BogEkdoseis/econbull200702.pdf
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Bibliographic Info

Article provided by Bank of Greece, Economic Research Department in its journal Economic Bulletin.

Volume (Year): (2007)
Issue (Month): 28 (February)
Pages: 31-50

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Handle: RePEc:bog:econbl:y:2007:i:28:p:31-50

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Web page: http://www.bankofgreece.gr
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Related research

Keywords: household survey; household debt;

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Citations

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Cited by:
  1. Costas N. Kanellopoulos, 2012. "Employment and worker flows during the financial crisis," Economic Bulletin, Bank of Greece, Economic Research Department, issue 36, pages 31-41, April.
  2. Papaspyrou Theodoros, 2012. "EMU sustainability and the prospects of peripheral economies," Economic Bulletin, Bank of Greece, Economic Research Department, issue 36, pages 7-29, April.
  3. Giorgos Argitis & Stella Michopoulou, 2013. "Studies in Financial Systems No 4 Financialization and the Greek Financial System," FESSUD studies fstudy04, Financialisation, Economy, Society & Sustainable Development (FESSUD) Project.
  4. Zacharias Bragoudakis & Stelios Panagiotou, 2010. "Determinants of the receipts from shipping services: the case of Greece," Economic Bulletin, Bank of Greece, Economic Research Department, issue 34, pages 41-55, September.
  5. Heather Gibson & hiona Balfousia, 2010. "The impact of nominal and real uncertainty on macroeconomic aggregates in Greece," Economic Bulletin, Bank of Greece, Economic Research Department, issue 34, pages 57-71, September.
  6. Costas N. Kanellopoulos, 2012. "The Size and structure of uninsured employment," Economic Bulletin, Bank of Greece, Economic Research Department, issue 37, pages 23-41, December.
  7. Theodoros Mitrakos & Panos Tsaklogou & Ioannis Cholezas, 2010. "Determinants of the wage rates in Greece with an emphasis on the wages of tertiary education graduates," Economic Bulletin, Bank of Greece, Economic Research Department, issue 34, pages 7-40, September.
  8. Petros M. Migiakis, 2012. "Reviewing the proposals for common bond issuances by the euro-area sovereign under a long-term perspective," Economic Bulletin, Bank of Greece, Economic Research Department, issue 37, pages 43-54, December.
  9. Zacharias Bragoudakis & Dimitrios Sideris, 2012. "Do retail gasoline prices adjust symmetrically to crude oil price changes? the case of the Greek oil market," Economic Bulletin, Bank of Greece, Economic Research Department, issue 37, pages 7-21, December.
  10. Faidon Kalfaoglou, 2012. "Bank capital adequacy framework," Economic Bulletin, Bank of Greece, Economic Research Department, issue 36, pages 43-81, April.

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