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Debit and Credit 1

Resource Type
Dataset : Survey and aggregate data
  • SPIEGEL-Verlag, Hamburg
Publication Date
  • Infratest, Munich (Data Collector)
  • ZA:
    • Saving, Investment of Money
  • CESSDA Topic Classification:
    • Mass media
    • Income, property and investment/saving
    • Housing
  • Abstract

    1. Attitude to money and financial investment conduct. 2. Information on residence and type of heating. Topics: 1. Attitude to money and financial investment conduct: judgement on current and future personal economic situation; attitude to money, saving and selected forms of investment, level of information on money questions, on credit and banks (scale); need for information regarding financial investments; judgement on current and future advantageousness of selected investment forms; preferred form of liquidity, yield and interest; savings habits; savings goals; motives for saving; regularity of saving and savings amount; investment forms actually used by respondent as well as other members of the household; satisfaction with selected forms of investment; intended forms and advisers in financial investment; annual investment amount; division of assets in building loan contracts, life insurance policies, stocks and shares and savings accounts; use of selected sources of information and utilization of information about investment forms; person in the household responsible for money questions; criteria for an ideal investment in stocks, fixed-interest stocks and shares and investment shares; possession of bank account or post office checking account and Euro-check card; possession of credit card; personal bank and possession of accounts; primary bank and financial transactions conducted there; change of primary bank; reason for opening the first account; criteria for a loan; borrowing and purpose; profile of demand on a bank and evaluation of selected banks by means of this profile; insurance policies taken out and time of contract conclusion as well as amount of insurance; most important reasons for taking out a life insurance policy, either straight-life or with survival benefit; type of right to retirement support; possession of real estate and intent to purchase a house; intent to renovate and type of planned renovations; possession of a building loan contract or probability of conclusion; taking out a loan from a building loan contract; motives and use for a building loan contract; familiarity and reading of selected magazines and newspapers. 2. Information on residence and type of heating: residential status; year of construction of the building; length of residence; features like yard, balcony or terrace; living space and number of rooms; sanitary equipment; central heating; type of heating and type of energy used; installation and planning of further heating possibilities and reasons for this; type of energy for hot water and for cooking; satisfaction with housing and judgement on the apartment or house by means of selected criteria (scale); preferred areas for possibly saving electricity; proportion of monthly heating costs in net household income; amount of heating costs and use of heating oil in the last billing period; preferred economy possibilities in selected areas of life for the purpose of compensating increased heating costs; measures conducted to save heating energy and adaptation of heating to reduced energy need; reasons as well as cause of measures to save heating energy; investment costs for these measures to save energy; receipt of government subsidies or advantage of increased tax write-offs; energy savings from these alteration measures; estimated amortization duration; planned further measures to save energy; assessment of the security of long-term provision of energy in the Federal Republic; expected increase or decrease in the significance of individual types of energy in the future; personal interest in energy supply; interest in selected measures to save energy (scale); preferred sources of information; number of apartments in building; type of residential building. Demography: age; sex; marital status; school education; vocational training; number of children; occupational position; employment; income; household income; size of household; composition of household; respondent is head of household; presence at home between 6 PM and 8 PM in the last three days; person taking care of household; employment in the civil service; marriage in the last two years; change of place of residence in the last two years; vocational training completed or entering professional life in the last two years. Also encoded was: place and date of interview; state; city size; spontaneity in response on household income.
Temporal Coverage
  • 1980-03 / 1980-05
Geographic Coverage
  • Germany (DE)
    FRG incl. West Berlin
Sampled Universe
German citizens 14 years old or older living in private households
Sampling Procedure Comment: Multi-stage stratified random sample (ADM mastersample)
Collection Mode
  • Oral survey with standardized questionnaire
Data and File Information
  • Unit Type: Individual
    Number of Units: 3908
    Number of Variables: 987
Debit and Credit 2 is archived under ZA Study No. 1792. It presents an investigation following this survey in 1984. In it the questions in the first part of this investigation are in large part replicated.
A - Data and documents are released for academic research and teaching.
All metadata from GESIS DBK are available free of restriction under the Creative Commons CC0 1.0 Universal Public Domain Dedication. However, GESIS requests that you actively acknowledge and give attribution to all metadata sources, such as the data providers and any data aggregators, including GESIS. For further information see
Alternative Identifiers
  • ZA1489 (Type: ZA-No.)
  • SPIEGEL-Verlag (Hrsg.): Soll und Haben: Eine Untersuchung über Einstellungen zum Geld und den Besitz von Konten, Wertpapieren, Lebensversicherungen und Bausparverträgen. Hamburg: Selbstverlag 1980.
  • SPIEGEL-Verlag (Hrsg.): Soll und Haben: Einstellungen zum Geld und Besitz von Konten, Wertpapieren, Lebensversicherungen und Bausparverträgen. Hamburg: Selbstverlag 1982.

Update Metadata: 2020-10-21 | Issue Number: 86 | Registration Date: 2010-07-22

SPIEGEL-Verlag, Hamburg (1992): Soll und Haben 1. Version: 1.0.0. GESIS Datenarchiv. Dataset.