Thursday, October 14, 2010

[IWS] Dublin Foundation: Managing household debts: Social service provision in the EU - Working paper [12 October 2010]

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Institute for Workplace Studies----------------- Professor Samuel B. Bacharach
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Cornell University
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Stuart Basefsky
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European Foundation for the Improvement of Living and Working Conditions (Dublin Foundation)


Managing household debts: Social service provision in the EU - Working paper [12 October 2010]


[full-text, 27 pages]



Author: Dubois, Hans; Anderson, Robert

Summary: Household over-indebtedness is among the causes of the current financial crisis. In turn, the crisis exacerbated both public and private debt problems. In this paper, household over-indebtedness is broadly defined as the situation where a household cannot comply with payment requirements – whether it be mortgage, utility or consumer credit payments – on a structural basis. Different types of over-indebtedness are interrelated in complex causal networks with a broad spectrum of social and health issues such as poverty, social exclusion, unemployment and labour productivity. Appropriate service provision can alleviate the problem once it has occurred, or can prevent debts from becoming problematic in the first place. This paper discusses the need for policymakers and society at large to scale up the quality of these social services. A workshop report is available at




Over-indebtedness: a complex, timely problem




Annex 1: Explaining arrears, multinomial regression results

Annex 2: Explaining expected arrears, ordinal logit model


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