expects to receive inheritance/gift
0 = [0]no
1 = [1]yes
2 = [2]possibly

home equity line of credit (dummy)
0 = [0]does not have home equity line of credit
1 = [1]has home equity line of credit

non-home equity lines of credit (dummy)
0 = [0]does not have non-home equity line of credit
1 = [1]has non-home equity line of credit

inheritance/gift received (dummy)
0 = [0]did not receive inheritance/gift
1 = [1]received inheritance/gift

year inheritance/gift received,(1)
1956 = [1956]1956
1960 = [1960]1960
1965 = [1965]1965
1970 = [1970]1970
1975 = [1975]1975
1980 = [1980]1980
1985 = [1985]1985
1990 = [1990]1990
1995 = [1995]1995
2000 = [2000]2000
2005 = [2005]2005
2010 = [2010]2010
2015 = [2015]2015

year inheritance/gift received,(2)
1956 = [1956]1956
1957 = [1957]1957
1960 = [1960]1960
1965 = [1965]1965
1970 = [1970]1970
1975 = [1975]1975
1980 = [1980]1980
1985 = [1985]1985
1990 = [1990]1990
1995 = [1995]1995
2000 = [2000]2000
2005 = [2005]2005
2010 = [2010]2010
2015 = [2015]2015

type of inheritence/gift received,(1)
10 = [10]non-financial
11 = [11]real estate
12 = [12]family business
13 = [13]valuables and durables
20 = [20]financial
21 = [21]cash
22 = [22]cash-equivalent capital investments
30 = [30]both non-financial and financial
40 = [40]unspecified

from whom inheritance/gift received,(1)
1 = [1]grandparent(s)(incl in-laws)
2 = [2]parent(s)(incl in-laws)
3 = [3]sibling(s)(incl in-laws)
4 = [4]child(ren)(incl in-laws)
5 = [5]other relative(s)
6 = [6]non-relative(s)
7 = [7]unspecified

household member who received inheritance/gift,(1)
10 = [10]head of household
20 = [20]spouse
30 = [30]others
31 = [31]head's child(ren)(incl in-laws)
32 = [32]head's grandchild(ren)(incl in-laws)
33 = [33]head's parent(s)/grandparent(s)(incl in-laws)
34 = [34]head's sibling(s)(incl in-laws)
35 = [35]other relative(s) of head
36 = [36]non-relative(s)
40 = [40]unspecified

possession of credit cards (dummy)
0 = [0]does not have credit cards
1 = [1]has credit cards

number of credit cards
0 = [0]no credit cards
1 = [1]1 card
2 = [2]2 cards
3 = [3]3 cards
4 = [4]4 cards
5 = [5]5 cards
6 = [6]6 cards
7 = [7]7 cards
8 = [8]8 cards
9 = [9]9 cards
10 = [10]10 cards
11 = [11]11 cards
12 = [12]12 cards
13 = [13]13 cards
14 = [14]14 cards
15 = [15]15 cards
16 = [16]16 cards
17 = [17]17 cards
18 = [18]18 cards
19 = [19]19 cards
20 = [20]20 cards
21 = [21]21 cards
22 = [22]22 cards
23 = [23]23 cards
24 = [24]24 cards
25 = [25]25 cards

ability to get emergency financial aid (dummy)
0 = [0]not able to get emergency financial aid
1 = [1]able to get emergency financial aid

loan consolidation (dummy)
0 = [0]did not consolidate loan(s)
1 = [1]consolidated loan(s)

objective credit constraints (1)
110 = [110]applied and got what asked for
120 = [120]applied and got less than what asked for
130 = [130]applied and was rejected
200 = [200]did not apply

objective credit constraints (2)
110 = [110]reapplied and got what asked for
120 = [120]reapplied and did not get what asked for
200 = [200]did not reapply

subjective credit constraints
0 = [0]no, did not fear to be turned down
1 = [1]fear of being turned down because personal characteristics, family background/life history of borrower
2 = [2]fear of being turned down because credit rating service/credit bureau reports
3 = [3]fear of being turned down because credit records/history from other institution; other loans; previous payment record
4 = [4]fear of being turned down because amount of debt; size of other payments; ability to repay loan
5 = [5]fear of being turned down because insufficient credit history/references
6 = [6]fear of being turned down because lack of/not enough assets to secure the loan, size of down payment, or financial st
7 = [7]fear of being turned down because bad credit, n.e.c.
8 = [8]fear of being turned down because employment activity, intensity, and characteristics
9 = [9]fear of being turned down because of income
10 = [10]fear of being turned down because of other reasons

Economic expectations over the next five years
1 = [1]better
2 = [2]worse
3 = [3]about the same

type of first actively managed business
0 = [0]does not own a business
11 = [11]LLP/LLC (including professional LLC)
12 = [12]partnership/cooperative
13 = [13]subchapter S corporation
14 = [14]other corporation (including C chapter corps)
15 = [15]sole proprietorship
16 = [16]foreign business type
17 = [17]not a formal business type
20 = [20]does not have an actively managed business

type of second actively managed business
0 = [0]does not own a business
10 = [10]owns only one business
11 = [11]LLP/LLC (including professional LLC)
12 = [12]partnership/cooperative
13 = [13]subchapter S corporation
14 = [14]other corporation (including C chapter corps)
15 = [15]sole proprietorship
16 = [16]foreign business type
17 = [17]not a formal business type
20 = [20]does not have an actively managed business

number of actively managed businesses
0 = [0]does not own a business
1 = [1]owns 1 actively managed business
2 = [2]owns 2 actively managed businesses
3 = [3]owns 3 actively managed businesses
4 = [4]owns 4 or more actively managed businesses
20 = [20]does not have actively managed business

rural area (dummy)
0 = [0]not rural area
1 = [1]rural area

owned/rented housing
100 = [100]owned
110 = [110]owned outright
120 = [120]owned with mortgage
200 = [200]not owned
210 = [210]rented
211 = [211]rented at market price
212 = [212]subsidised rent
220 = [220]free housing
221 = [221]employer provided housing
222 = [222]government/public provided housing
223 = [223]provided by others
224 = [224]illegal occupation

type of dwelling
100 = [100]house
110 = [110]detached house
120 = [120]non-detached house
200 = [200]multi-unit residential building
210 = [210]apartment/flat
220 = [220]other multi-unit
300 = [300]other type of dwelling
310 = [310]movable dwelling
320 = [320]informal dwelling

farming activity (dummy)
0 = [0]no farming activity
1 = [1]farming activity

data wave
0 = [0]Historical Wave
1 = [1]Wave I
2 = [2]Wave II
3 = [3]Wave III
4 = [4]Wave IV
5 = [5]Wave V
6 = [6]Wave VI
7 = [7]Wave VII
8 = [8]Wave VIII
9 = [9]Wave IX
10 = [10]Wave X
11 = [11]Wave XI
12 = [12]Wave XII
13 = [13]Wave XIII

currency units
528 = [528]NLG - Netherlands Guilder (historic)

gross/net income information
100 = [100]gross, taxes and contributions fully captured
110 = [110]gross, taxes and contributions collected
120 = [120]gross, taxes and contributions imputed
200 = [200]net, taxes and contributions not captured
300 = [300]mixed, taxes and contributions insufficiently captured
310 = [310]mixed, total income account for full taxes and contributions, subcomponents do not
320 = [320]mixed, total income does not account for full taxes and contributions

number of household members
1 = [1]1 hh member
2 = [2]2 hh members
3 = [3]3 hh members
4 = [4]4 hh members
5 = [5]5 hh members
6 = [6]6 hh members
7 = [7]7 hh members
8 = [8]8 hh members
9 = [9]9 hh members
10 = [10]10 hh members

number of household members 65 or older
0 = [0]no hh members 65 or older
1 = [1]1 hh member 65 or older
2 = [2]2 hh members 65 or older
3 = [3]3 hh members 65 or older

number of household members 17 or younger
0 = [0]no hh members 17 or younger
1 = [1]1 hh member 17 or younger
2 = [2]2 hh member 17 or younger
3 = [3]3 hh member 17 or younger
4 = [4]4 hh member 17 or younger
5 = [5]5 hh member 17 or younger
6 = [6]6 hh member 17 or younger
7 = [7]7 hh member 17 or younger

household composition
100 = [100]one person household
210 = [210]couple without children
220 = [220]couple with children
230 = [230]one parent with children
310 = [310]couple without children and relatives
320 = [320]couple with children and relatives
330 = [330]one parent with children and relatives
400 = [400]relatives living together (no family nucleus)
510 = [510]couple without children and nonrelatives
520 = [520]couple with children and nonrelatives
530 = [530]one parent with children and nonrelatives
610 = [610]couple without children and relatives and nonrelatives
620 = [620]couple with children and relatives and nonrelatives
630 = [630]one parent with children and relatives and nonrelatives
700 = [700]relatives and nonrelatives living together (no family nucleus)
800 = [800]nonrelatives living together
900 = [900]head and other
910 = [910]couple without children and other
920 = [920]couple with children and other
930 = [930]one parent with children and other

head living with partner (dummy)
0 = [0]head not living with partner
1 = [1]head living with partner

0 = [0]no income imputation
1 = [1]income imputation