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Debit and Credit 4

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

    Attitude to money and conduct in investing money as well as assets. Topics: Assessment of personal and social future (optimistic future expectation); current and expected future personal financial situation; attitude to provision for old age and security of pensions as well as necessity of occupation with one's own financial provision for old age (scale); type of personal compulsory pension; possession and acquisition plans for private retirement insurance; moral orientations and importance of goals in life (scale); personal events in the last 5 years in the areas occupation, finances, personal life, family and household (mobility); attitude to money and investments (scale); playing Lotto and Toto; savings habits; annual savings amounts; savings goals; taking out credit and loans; having mortgages; familiarity and possession of investment forms; purchase or inheritance of forms of investment and age at starting to purchase forms of investment oneself; acquisition intents for selected forms of investment; preference for selected forms of investment; judgement criteria for investments; investment forms considered advantageous currently and in future; less advantageous forms of investment; preferred form of consultation with bank matters; classification of level of information about financial matters; information and decision behavior with investments (scale); degree of familiarity of public and business banks; stating personal bank connections and account possession; primary bank connection and length of tie to one's bank; reasons for change of bank; familiarity and interest in use of direct banking as well as telephone banking and home banking; attitude to direct bank offers (scale); types of account with primary bank as well as with further banks; attitude to increase of technology in every-day bank transactions such as e.g. use of automatic tellers and taking care of bank transactions by computer (scale); significance of personal contact with bank employees; telephone equipment and possession of computer in household as well as in the office; degree of familiarity, interest and use of information systems and on-line services; attitude to credit card use (scale); familiarity and possession of credit cards; frequency of use and monthly expenditures through credit cards; preferred credit cards and interest in credit cards; possession of Eurocheque cards; degree of familiarity, possession and preference of selected investment companies for public funds and land companies as well as foreign investment companies; attitude to insurance (scale); knowledge and possession of selected private as well as public life insurance companies; preference and possession of life insurance policies; possession and age at starting selected types of life insurance; intent to acquire life insurance policies; familiarity of activities of foreign insurance companies in Germany as well as contact and use of foreign insurance companies; comparison of strength of performance and reputableness as well as trust in foreign insurance companies in comparison to German insurance companies; preferred form of consultation with insurance matters; attitudes to saving with a building and loan association and to real estate (scale); familiarity and preference of Loan and Building Associations; possession of building loan contracts; amount of construction saving and practices in saving for construction; purpose for building loan contracts; age at starting building loan contract; intent to complete a building loan contract; preferred financing method for house or residence; information on type and extent of possession of real estate; living on the property; second possession; age at starting with possession of real estate; intents to obtain real estate; planning time interval and purpose for the real estate; status of land, residential status; type of construction; floor space; type of heating and heating energy used; building or residence has yard, balcony or terrace; interest in information on modernization; renovation intents; special equipment of the building with under floor heating, heat pump, solar facility and fireplace; knowledge of foreign languages; reading magazines; watching television. Also encoded were: SINUS Milieus.
Temporal Coverage
  • 1995-05 / 1995-08
Geographic Coverage
  • Germany (DE)
Sampled Universe
The German residential population 14 years old and older in private households, enhanced by ´quota interviews´ of higher incomes
Sampling Procedure Comment: Multi-stage stratified random sample
Collection Mode
  • Oral survey with standardized questionnaire
Data and File Information
  • Unit Type: Individual
    Number of Units: 8690
    Number of Variables: 1403
The perevious surveys Debit and Credit 1, 2 and 3 from the years 1980, 1984 and 1989 are archived under ZA Study Nos. 1489, 1792 and 1877.
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
  • ZA2845 (Type: ZA-No.)
  • SPIEGEL-Verlag; Manager Magazin (Hrsg.): Soll und Haben 4. Hamburg: Selbstverlag 1995.

Update Metadata: 2020-10-21 | Issue Number: 93 | Registration Date: 2010-07-22

SPIEGEL-Verlag, Hamburg; Manager Magazin, Hamburg; SINUS, Heidelberg (1996): Soll und Haben 4. Version: 1.0.0. GESIS Datenarchiv. Dataset.