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Hushållens skuldkvot i Sveriges kommuner
University West, Department of Economics and IT, Divison of Law, Economics, Statistics and Politics.
University West, Department of Economics and IT, Divison of Law, Economics, Statistics and Politics.
2015 (Swedish)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesis
Abstract [en]

Household debt has steadily climbing over the past decade and the development of increasing concern. Consumption levels also show a continuing upward trend. Explanation lies part in the consumption financed by households increase their debt ratio to maintain the same level of consumption as before. The purpose of this study is to investigate which factors that affect the household debt ratio at the regional level. Previous studies indicate interest rates, housing prices and disposable income as the factors that have an impact on the debt ratio in Sweden. Although the effects of demographics, the difference in age distribution among regions, can lead to different degrees of household borrowing, accordance within the life cycle hypothesis. Data from 2007 over Sweden's 290 municipalities are estimated in a regression analysis in the form of a cross-sectional regression. The results show that market price coefficient and population age as important factors in explaining the regional debt ratio, together with other factors such as education, the municipalities' size in terms of population and the share acquisitions workers in agriculture, forestry, hunting and fishing.

Abstract [sv]

Hushållens skuldsättning har pekat stadigt uppåt under det senaste decenniet och utvecklingen väcker ökad oro. Konsumtionsnivåerna visar också en fortsatt ökande trend. Förklaringen ligger till vis del i att konsumtionen finansieras genom att hushållen ökar sin skuldkvot för att upprätthålla samma konsumtionsnivå som tidigare. Syftet med denna uppsats är att utreda vilka faktorer som förklarar hushållens skuldkvot på regionalnivå. Tidigare studier visar på räntenivå, fastighetspriser och disponibel inkomst som de faktorer som har påverkan på skuldkvoten i Sverige. Även effekterna av demografi, skillnad i åldersfördelning bland regionerna, kan leda till olika grader av hushållens upplåning, detta i enlighet med livscykelhypotesen. Data från 2007 över Sveriges 290 kommuner skattas i en regressionsanalys i form av en tvärsnittregression. Resultatet visar köpeskillingskoefficent och befolkningsålder som viktiga faktorer för att förklara den regionala skuldkvoten, tillsammans med ytterligare faktorer såsom utbildning, kommunernas storlek sett till folkmängd och andel förvärvsarbetare inom jord-, skogsbruk, jakt och fiske.

Place, publisher, year, edition, pages
2015. , 21 p.
Keyword [en]
Debt ratio, indebtedness, regional level, life cycle hypothesis, linear regression
Keyword [sv]
Skuldkvot, skuldsättning, regionalnivå, livscykelhypotesen, linjär regression
National Category
Economics
Identifiers
URN: urn:nbn:se:hv:diva-7372Local ID: NAX500OAI: oai:DiVA.org:hv-7372DiVA: diva2:788649
Subject / course
Nationalekonomi
Educational program
Mäklarekonom
Supervisors
Examiners
Available from: 2015-02-16 Created: 2015-02-16 Last updated: 2015-02-16Bibliographically approved

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Citation style
  • apa
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  • modern-language-association-8th-edition
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Output format
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