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Indebtedness of households and the cost of debt by household type and income group - Research note 10/2014 by Eva Sieaminska (2014)
The research note examines the indebtedness of households in the EU. It focuses on several aspects of household indebtedness and considers the structure of debt, including bank loans and other types of credit from banks and individuals. It compares differences among household types, particularly for the young and the middle-income groups. It examines the costs of servicing debt and how far this imposes a burden on households with differing levels of income. It identifies those that have been experiencing financial distress, which have been increasing in number, and considers their coping mechanisms.. The analysis is based on the new Household Finance and Consumption Survey (HFCS), which provides harmonised information for 15 eurozone member countries on household balance sheets and related economic and demographic variables, including income, private pensions, employment, measures of consumption, gifts and inheritances and other behavioral variables. The sample consists of over 62 000 households and the first wave was carried out between the end of 2008 and the middle 2011.

Analysing equity in the use of long-term care in Europe - Research note 9/2014 by Ricardo Rodrigues, Stefania Ilinca, Andrea Schmidt (2014)
There are significant differences across social protection systems in Europe in the scope, breadth and depth of coverage of the risk to need long-term care in old-age. Together with other factors, such as education, household structure or societal values regarding care for frail older people, these differences can have a significant impact on the use of long-term care. Using SHARE data, this Research Note compares differences between European countries in the use of long-term care across income groups, for older people living at home. It analyses not only inequalities in the use of long-term care, but also differences in use that persist after differences in need have been taken into consideration, i.e. horizontal inequality. For this purpose, concentration indices, concentration curves and horizontal inequality indices are estimated for home care services and informal care. The countries analysed here are Austria, Germany, Sweden, the Netherlands, Spain, Italy, France, Denmark, Greece, Belgium and Czech Republic. The findings suggest that differences in use of home care services across income groups mostly reflect differences in need between those same groups. For informal care, the differences in use persist even after accounting for needs, and less affluent individuals are much more likely to use informal care. Some possible causes for these differences and policy implications are considered.

Inequality in the use of childcare - Research note 8/2014 by Márton Medgyesi and Niki Kalaverzou (2014)
Improving the availability and affordability of Early Childhood Education and Care (ECEC) services is high up on the EU policy agenda as affordable childcare supports parents’ access to the labour market, addresses child poverty and contributes to breaking the intergenerational transmission of poverty. In this research note, the objective is to propose a synthetic and functional way of measuring the social gradient of childcare use, which allows regular monitoring. Two issues in the measurement of the social gradient are investigated: the choice of an indicator of socioeconomic status and the choice of summary measure of the social gradient. In this analysis socioeconomic status is measured by equivalised disposable income, parental education and also by using a composite indicator of socioeconomic status. Problems of using simple frequency ratios as a measure of the social gradient are reviewed and other measures that have been proposed in the literature on health inequality are presented, such as measures of association and measures based on rankings of the socioeconomic variable (concentration index, relative index of inequality). In the second part of the research note the social gradient in formal childcare use is calculated with different methods and results are presented and compared.

Scarring effects of the crisis - Research note 6/2014 by Nicole Fondeville and Terry Ward (2014)
This research note presents a review of the literature analysing the damaging effects of the crisis on individuals, in particular, on their working careers and future life chances, and ultimately on the future growth prospects of the EU economy. It shows that the economic crisis has potentially scarring effects in these terms on young people especially. Even if many of them are likely to be able to catch-up and avoid their experience having long-term detrimental effects, it will, nevertheless, tend to increase the risk of social exclusion and health problems for some of them and oblige them to adopt coping strategies in the face of limited employment opportunities. There is very little literature on the damaging effects of the crisis on economic growth simply because of the difficulties of analysing the links between current events and developments over the next 10-20 years when any adverse consequences for labour productivity are likely to be felt. Given that it is very difficult to identify the relative importance of the various factors underlying productivity growth in the long-term, it is only to be expected that distinguishing the effect of an event like the present crisis would prove problematic. The crisis, however, can potentially have positive effects as well, in the form in particular of encouraging a deeper consideration of strategies for both minimising the damage to individuals, especially the young, and stimulating economic growth so that it is sustained over the long-term. Investment in education is at the root of such strategies and the note ends with a review of what has happened to expenditure on education across the EU over the crisis period.

The effect of the crisis on young people’s ability to live independently - Research note 5/2014 by Erhan Őzdemir, Terry Ward and Eszter Zolyomi (2014)
This Research Note sets out to document the changes in the living arrangements of young people, specifically the extent to which they live with their parents or independently of them, over the crisis period and how these changes are related to their involvement in education and their employment situation. In particular, the concern is to examine how far the greatly reduced job opportunities for young people have led to more of them delaying the time when they move away from the parental home to set up on their own. The concern is also with the income which the young people leaving their parents have access to, how the sources of this have changed since the onset of the crisis and how far they are more likely to be at risk of poverty and material deprivation than their peers who remain living with their parents. The focus is on young people aged 18-29, though these are sub-divided for much of the analysis into two, those aged 18-24 and those aged 25-29. The analysis is based partly on the European Labour Force Survey and partly on the EU-SILC, using the longitudinal data from the latter so far as possible.