Debit and Credit 3

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

    Attitude to money and conduct in investing money and wealth. Topics: willingness to pay for clothing, watches, jewelery, residence furnishings, residential property, provision for old age, financial reserves, antiques, motor vehicles, vacation, trips, hobbies, sport, food, concerts, books, further education, television sets and video equipment; personal events in the last 5 years in the areas of occupation, finances, private life, family and household; attitude to money, saving and selected forms of investment (scale); attitude to borrowing; extent to which informed about financial investment possibilities; safety orientation or returns orientation in financial investment; liquidity orientation; attitude to saving with a building and loan association and inclination to save; savings habits, savings goals, savings motives; playing Lotto, Toto and other lottery games; current borrowing and indication of private or business use; loans repayed in the last 5 years; mortgage loan; living together with a partner and person responsible for questions of day-to-day finances as well as in major purchases; ability to make decisions in partner household; conduct in gathering information on savings contracts, stocks, fixed-interest stocks and shares, investment funds, loans, building loan contracts, construction financing and life insurance policies; amount of information gathered; assessment of pension developments; necessity of personal financial provision for old age; right to a pension from compulsory or voluntary membership; civil service pension; supplementary pension in the civil service; company provision for old age; knowledge about the anticipated amount of pension in old age; trust in selected domestic and foreign banks, insurance companies, industry loans as well as investment funds; knowledge about the so-called ´Allfinanz´ offerings; ability of one´s own bank as well as of insurance companies in selected financial services; attitude to insurance business at a bank and bank business with an insurance company; most important criteria for an ideal financial investment; assessment of current and future most advantageous financial investment as well as of the least advantageous form of investment; degree of familiarity as well as forms of investment found in one´s own household; specification of financial investments obtained personally; age at purchase of selected stocks and shares and precious metals; possible forms of investment in the next three years; public bank and forms of investment one would further recommend; degree of familiarity of public and business banks; specification of personal bank; primary bank and length of tie to one´s bank; change of one´s bank; possession of a personal checking account, savings account, depot for stocks and shares or fixed-term deposits in the primary as well as secondary bank; degree of familiarity and possession of credit cards; especially preferred credit card; degree of familiarity of so-called gold cards and interest in them; possession of credit cards of selected companies; degree of familiarity as well as possession and particular preference for stocks and shares funds and real estate funds; knowledge and possession of selected private as well as public life insurance companies; particularly preferred life insurance companies; possession of dowry insurance for the children, death benefit insurance, education insurance and life insurance policies; age at conclusion of the first life insurance; intent to conclude further life insurance policies and preference for straight life or capital life insurance; personal possession of household insurance, personal liability insurance, automobile liability insurance, automobile third party, fire and theft insurance, legal costs insurance as well as private health and hospital insurance; others in the household having the above-mentioned insurance polices; knowledge, possession and preference for selected loan and building associations or building loan contracts; number of building loan contracts and preference for certain loan and building associations; building loan contracts in the repayment phase; age at conclusion of first building loan contract; interest in conclusion of a building loan contract; detailed information about type and extent of possession of real estate; rented house, apartment and vacation house; possession of plots available for building; agricultural and forestry possession; type of renovation and addition planned for the house; age at purchase of real estate; planned acquisition of real estate in the next five years; planning time-frame; personal use or purchase of house or apartment to rent; purchase of a weekend or vacation home at home or abroad; residential status and type of building; year of construction of house; type of heating and source of energy used; equipment of the house or apartment with garden, balcony and terrace; living space; special equipment in house: under floor heating, heat pump, solar equipment, open fireplace or fireplace heater; media usage; use of magazines; watching television. Indices: type of financial investment; mentality groups; phase of life; use of magazines and TV.
Temporal Coverage
  • 1989-05 / 1989-07
Geographic Coverage
  • Germany (DE)
    FRG incl. West Berlin
Sampled Universe
The German residential population 14 years old or older 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: 5066
    Number of Variables: 926
The two preceding surveys Debit and Credit 1 and 2 from 1980 and 1984 are archived under ZA Study Nos. 1489 and 1792.
A - Data and documents are released for academic research and teaching.
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Alternative Identifiers
  • ZA1877 (Type: ZA-No.)
  • Augstein, Rudolf (Hrsg.): Soll und Haben 3: Einstellungen zum Geld, Bankverbindungen, Kredite, Spar- und Anlageformen, Versicherungen, Bausparverträge, Immobilien. Hamburg: Selbstverlag 1989.

Update Metadata: 2021-04-07 | Issue Number: 88 | Registration Date: 2010-07-22