The ID is a unique fingerprint that is calculated based on the values of all non-Fusionbase specific columns.

fb_id

postal_code

region_type

region_id

region_name

reference_year

**Full name:** Share of Former Self-Employed in Bankruptcy Proceedings of Other Debtors in % **Algorithm:** Former self-employed in insolvency proceedings of other debtors <time> / insolvency proceedings of other debtors x 100 **Note:** Insolvency proceedings serve to satisfy the creditors of a debtor collectively by realizing the debtor's assets and distributing the proceeds or by making a different arrangement in an insolvency plan, particularly to preserve the company. Consumer insolvency proceedings represent a simplified insolvency procedure, which has also been applicable since 2001 for formerly self-employed individuals whose circumstances are manageable (i.e., fewer than 20 creditors and no liabilities from employment relationships). Other debtors (non-corporate insolvencies) consist of consumers, formerly self-employed individuals, and other debtors (estates and natural persons as partners, etc.).

self_employed_in_insolvencies

**Full name:** Number of Hours Worked by Employees **Algorithm:** Hours worked (annual value) of employees <time> / employees <time> **Note:** The volume of work includes the actual working hours performed by all employed persons who engage in economically oriented activities as employees (workers, salaried employees, civil servants, judges, marginally employed persons, soldiers) or as self-employed individuals or assisting family members. This also includes the working hours of persons with multiple simultaneous employment relationships. However, the volume of work does not include paid but unworked hours, such as annual leave, parental leave, public holidays, short-time work, or absence due to illness. Unpaid breaks for meals and commuting time between home and workplace are also not considered. Thus, the volume of work encompasses the total number of hours actually worked by employees and self-employed individuals within a region during the reporting period at the respective workplace. It does not account for the intensity or quality of the work performed. The volume of work is calculated as the product of the number of employed persons and the working time per employed person. Standard work volume: Unlike the results of the regional work volume calculations for the states, the results for independent cities and districts are referred to as standard work volume. This is to account for the fact that, due to the lack of statistical base data, company-specific special regulations regarding contractual working hours are not considered in the calculations.

volume_of_work

**Full name:** Monthly Gross Earnings of Employees in Euro **Algorithm:** Gross wages and salaries of employees <time> / employees <time> / 12 **Note:** Indicator of the average monthly gross earnings of all employees. Employees = socially insured employees + civil servants/judges/soldiers. This does not include self-employed individuals, assisting family members, or persons practicing a freelance profession. The gross wages and salaries (earnings) include the wages and salaries paid by domestic economic units (businesses) to employed persons before the deduction of income tax and employee social contributions (not employer social contributions) as well as benefits in kind provided to employees free of charge or at reduced rates.

gross_earnings

**Full name:** Monthly Gross Earnings of Employees in the Manufacturing Industry in Euro **Algorithm:** Gross wages and salaries of employees WZ B-F <time> / employees WZ B-F <time> / 12 **Note:** Indicator of the average monthly gross earnings of employees in the manufacturing industry. Employees = socially insured employees + civil servants/judges/soldiers. This does not include self-employed individuals, assisting family members, or persons practicing a freelance profession. The gross wages and salaries (earnings) include the wages and salaries paid by domestic economic units (businesses) to employed persons before the deduction of income tax and employee social contributions (not employer social contributions) as well as benefits in kind provided to employees free of charge or at reduced rates.

gross_earnings_manufacturing

**Full name:** Consumer Bankruptcy Proceedings per 1,000 Inhabitants Aged 18 and Older **Algorithm:** Insolvency proceedings of consumers <time> / population 18 years and older <time> x 1,000 **Note:** Insolvency proceedings serve to satisfy the creditors of a debtor collectively by realizing the debtor's assets and distributing the proceeds or by making a different arrangement in an insolvency plan, particularly to preserve the company. Consumer insolvency proceedings represent a simplified insolvency procedure, which has also been applicable since 2001 for formerly self-employed individuals whose circumstances are manageable (i.e., fewer than 20 creditors and no liabilities from employment relationships). Other debtors (non-corporate insolvencies) consist of consumers, formerly self-employed individuals, and other debtors (estates and natural persons as partners, etc.). The population figures refer to the update of the population status of the federal and state governments as of December 31 of the year. The update is based on the 1987 census (FRG) or 1981 (GDR), the 2011 census, and the 2022 census.

consumer_insolvency_proceedings

**Full name:** Median Expected Creditor Claims in Consumer Bankruptcy Proceedings in € **Algorithm:** Expected claims in consumer insolvency proceedings <time> / consumer insolvency proceedings <time> **Note:** Insolvency proceedings serve to satisfy the creditors of a debtor collectively by realizing the debtor's assets and distributing the proceeds or by making a different arrangement in an insolvency plan, particularly to preserve the company. Consumer insolvency proceedings represent a simplified insolvency procedure, which has also been applicable since 2001 for formerly self-employed individuals whose circumstances are manageable (i.e., fewer than 20 creditors and no liabilities from employment relationships). Other debtors (non-corporate insolvencies) consist of consumers, formerly self-employed individuals, and other debtors (estates and natural persons as partners, etc.).

creditor_claims_consumer_insolvency

**Full name:** Private Debtors per 100 Inhabitants Aged 18 and Older in % **Algorithm:** Private debtors <time> / population 18 years and older <time> x 100 **Note:** Private over-indebtedness occurs when a debtor cannot meet the sum of their due payment obligations even in the foreseeable future and has neither assets nor credit options available to cover their living expenses. In short: Total expenditures exceed income. The negative characteristics consist of the currently existing legal facts (data from official debtor registers – formerly: arrest warrant and affidavit – and private insolvencies), undisputed collection cases by Creditreform against private individuals, and sustained payment disruptions. Sustained payment disruptions are defined in a minimal definition by the fact of at least two, but usually several unsuccessful reminders from multiple creditors. The population figures refer to the update of the population status of the federal and state governments as of December 31 of the year. The update is based on the 1987 census (FRG) or 1981 (GDR), the 2011 census, and the 2022 census.

debtor_rate

The ISO-8601 timestamp of when the record was added to the data stream.

fb_datetime

Each new set of records that is added to the data stream gets automatically versioned by Fusionbase.

fb_data_version

The dataset Earnings and Private Debts provides a regionally detailed overview of income, working hours, and private over-indebtedness in Germany. It includes the percentage of former self-employed individuals in insolvency proceedings of other debtors, the working hours performed by employees, as well as the monthly gross earnings of employees overall and in the manufacturing industry in euros. Additionally, it contains indicators of private debt, including private debtors per 100 inhabitants aged 18 and over in percent, consumer insolvency proceedings per thousand inhabitants aged 18 and over, and the average expected amount of creditor claims in euros. The data is available at a fine spatial level for districts and postal code areas, enabling reliable regional comparisons of earnings levels, work burden, and over-indebtedness risks. The dataset is suitable for market and location analyses, social and economic research, as well as for municipal planning, by making spatially differentiated connections between employment, income, and private insolvency visible.

Earnings and Private Debts

Earnings and Private Debts

Attributes

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