To fight Over-indebtedness, we need knowledge about both problems and solutions! All research is important for us to ensure that we have all available knowledge and thus ensuring that everything we do and recommend is based on undisputed facts. The ECDN does not itself publish any reports, but many of our member organisations do publish reports detailing the state of debt, debt advice and creditor practice across Europe. We publish these reports here to give you all easy access to important knowledge regarding debt across Europe.
Below you can find research articles / reports made by our own members and other people in the field.
Research about national and European debt situations is essential to understand challenges and find solutions. They also contribute to the overall information level within the ECDN, the financial sector, and the social sector in general, and help to improve our knowledge on relevant topics. The ECDN sometimes publishes reports, as well as many of our member organisations do publish reports detailing the state of debt, debt advice, and creditor practice across Europe. We aim to publish these reports here to give you all easy access to important knowledge regarding debt across Europe.
We find knowledge sharing to be important for gaining greater insight and understanding of current debt situations, challenges and solutions. This is of fundamental importance if we want to stay updated and achieve our goals of fighting over-indebtedness and improving financial literacy. We encourage all our members and others working in this area to share relevant information and new reports with each other to improve the overall information level within the field. Here you can find relevant reports about debt. The reports are divided into categories depending on where they were published.
Sector organisation NVVK and debt rescheduling in the Netherlands
J.-O. Heuer (2021): Rules and norms of consumer insolvency and debt relief: A compasrison and classification of personl bankruptcy systems in 15 economically advanced countries. University of Bremen (Bremen).
https://doi.org/10.26092/elib/454
I. Ramsay (2017): Personal insolvency in the 21st century: A comparative analysis of the US and Europe. Hart Publishing (Oxford)
W. Backert, S. Block-Lieb, J. Niemi (ed.) (2013): Contemporary issues in consumer bankruptcy. Peter Lang (Fankfurt/M)
J.J. Kilburn (2007). Comparative consumer bankruptcy. Carolina Academic Press (Durham N.C.)
J. Niemi-Kiesläinen, I. Ramsay, W.C. Whitford (ed.) (2003): Consumer bankruptcy in global perspective. Hart Publishing (Oxford)
B.E. Adler, B. Polak, A. Schwartz (2000): Regulating consumer bankruptcy: A theoretical inquiry. Journal of legal Studies, 29 (2) 585-613
Stephen E.G. Lea(2021): Debt and Overindebtedness: Psychological Evidence and its Policy Implications. Social Issues and Policy Review. Vol 15. No1.Wiley Online Library. 146-179
https://spssi.onlinelibrary.wiley.com/doi/10.1111/sipr.12074
Jacqueline Warth et al (2020): Association between over-indebtedness and antidepressant use: A cross-sectional analysis. PLoS One 15 (7)
https://journals.plos.org/plosone/article?id=10.1371/journal.pone.0236393
CIVIC Consulting (2013): Over-indebtedness of European households. Updated mapping of the situation, nature and causes, effects and initiatives for alleviating its impact (Final report)
https://civic-consulting.de/reports/Overindebtedness-part_1.pdf
Dr. Dieter Korczak, Überschuldung in Deutschland zwischen 1988 und 1999. Schriftenreihe Band 198. Bundesministerium für Familie, Senioren, Frauen und Jugend, Stuttgart 2001
G. Betti, N. Dourmashkin, M.C. Rossi, V. Verma, Y. P. Yin (2001): Study of the Problem of Consumer Indebtedness: Statistical Aspects, report to the Commission of the European Communities. Directorate-General for Health and Consumer Protection, Commission of the European Communities. ORC Macro (London)
OECD (2022), Policy handbook on financial education in the workplace, OECD Publishing, Paris
https://www.oecd.org/finance/policy-handbook-on-financial-education-in-the-workplace-b211112e-en.htm
BMFSFJ (2023): Was mache ich mit meinen Schulden? Broschüre. Berlin
https://www.bmfsfj.de/resource/blob/95498/f9eed2083ef14e32c0c580eaf3e00c53/was-mache-ich-mit-meinen-schulden-data.pdf
OECD (2021): Nationale Finanzbildungsstrategie für Österreich. Wien
https://www.oecd.org/daf/fin/financial-education/austria-financial-literacy-strategy.htm
Wolf, Marcus (2018) : Ain’t misbehaving: Behavioral economics and the making of financial literacy, economic sociology_the european electronic newsletter, ISSN 1871-3351, Max Planck Institute for the Study of Societies (MPIfG), Cologne, Vol. 19, Iss. 2, pp. 10-18
https://www.econstor.eu/bitstream/10419/175573/1/econ_soc_19-2-3.pdf
Alena Opletalová (2015): Financial education and financial literacy in the Czech education system. Procedia – Social and Behavioral Sciences 171 (2015) 1176-1184
https://www.researchgate.net/publication/275530310_Financial_Education_and_Financial_Literacy_in_the_Czech_Education_System
Dr. Dieter Korczak, Münchner Schuldenprävention für Kinder und Jugendliche. Evaluationsergebnisse aus fünf Jahren wissenschaftlicher Begleitforschung des Präventionsprojektes Cashless. München 2010
Dr. Dieter Korczak / Landeshauptstadt München (2007), Abschlussbericht Münchener Präventionsprojekte “Schuldenprävention in Kindergärten und Berufsschulen”. München
https://gp-f.com/de/pdf/sch_ikb.pdf
Beata Swiecka, Aleksandra Grzesiuk, Dieter Korczak, Olga Wyszkowska-Kaniewska, Financial Literacy and Financial Education. Theory and Survey. De Gruyter Oldenbourg: Berlin/Boston 2019
Financial Literacy and Financial Education: Theory and Survey – Beata Świecka, Aleksandra Grzesiuk, Dieter Korczak, Olga Wyszkowska-Kaniewska
https://books.google.de/books/about/Financial_Literacy_and_Financial_Educati.html?id=U3eODwAAQBAJ
Peter Schruth, Katharina Loerbroks, Barbara Kroll, Frank Lackmann (2023): Schuldnerberatung in der Sozialen Arbeit. Beltz Juventa (Weinheim, Basel)
Carsten Homann, Malte Poppe (2022): Schuldnerberatung für die Soziale Arbeit – Grundlagen und Praxisanwendung. Nomos Verlagsgesellschaft (Baden-Baden)
https://www.nomos-shop.de/nomos/titel/schuldnerberatung-fuer-die-soziale-arbeit-id-107185/
Christoph Mattes, Simon Rosenkranz, Matthias D. Witte (Hrsg.) (2022): Das Soziale in der Schuldenberatung. Schneider Verlag Hohengehren
https://paedagogik.de/grundlagen-soziale-arbeit/product/das-soziale-in-der-schuldenberatung-2298/
Christoph Mattes (2021): Schuldenberatung und Schuldenprävention als Soziale Arbeit. Grundwissen und Handlungskonzepte. Verlag W. Kohlhammer
https://shop.kohlhammer.de/schuldenberatung-und-schuldenpravention-als-soziale-arbeit-34793.html#147=19
Harald Ansen (2018): Soziale Schuldnerberatung. Prävention und Intervention. Verlag W.Kohlhammer (Stuttgart)
https://shop.kohlhammer.de/soziale-schuldnerberatung-31711.html#147=22
Financial Services User Group (2016): Assessment of current and future impact of Big Data on Financial Services
https://finance.ec.europa.eu/system/files/2016-12/1606-big-data-on-financial-services_en_0.pdf
GP Forschungsgruppe/ ULD Schleswig-Holstein, Scoring nach der Datenschutznovelle 2009 und neue Entwicklungen, Kiel, München 2014
https://www.bmj.de/SharedDocs/Downloads/DE/PDF/Scoring-Studie.pdf?__blob=publicationFile&v=3
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If you have research articles, both new and old, which you want us to share here on the ECDN website, then please contact us. You can also contact us, if you know of other research, which is not done by you, but which is relevant to any of the categories above.