The average of outstanding consumer credit and other loans in the Netherlands with a maturity less than one year decreased consistently between 2013 and 2022. In 2022, consumer credit amounted to approximately 6.6 billion euros. This is a slight decrease from the 7.3 billion euros reached in 2021.

The table shows the level of bank credit to households (both mortgage credit and consumer credit) around the world including the most recent value and recent changes. The numbers are in billion local currency units and are updated continuously as the national authorities release the new data. Household credit carries benefits and risks to the economy. On the positive side, it allows households to purchase real estate, cars, and other items by spreading the cost over time. This makes household consumption more even over time and not so dependent on fluctuations in incomes. On the negative side, many financial crises are associated with a massive build up in household credit. Easy money pushes up property values and raises the debt levels. Then, an increase in interest rates or a drop in incomes can put significant strain on the household budgets. Households cut their spending in order to deleverage (reduce their debt) and the economy enters a recession. Household credit is now a major component of bank credit in the advanced economies and is rapidly catching up with the levels of business credit in the developing world.

A comprehensive personal finance dataset tracking 806 transactions across multiple accounts with detailed categorization of spending patterns over time. Includes credit and debit transactions across categories like food & dining, home improvement, groceries, and more.

This dataset contains real-world personal finance transactions spanning approximately two years (2018-2019). It tracks spending across checking accounts and credit cards, with transactions categorized into areas like food & dining, home improvement, utilities, and entertainment. The data demonstrates typical financial patterns including recurring expenses, occasional splurges, and regular income deposits. Analysts can use this dataset to practice:

Monthly budget tracking Spending category analysis Credit vs. debit transaction patterns Seasonal spending detection Financial visualization techniques

This dataset is ideal for data science beginners looking to practice financial analysis or for those interested in personal finance management techniques.

Column Name | Description Date | The transaction date in YYYY-MM-DD format. Description | A brief label or name of the transaction (e.g., Walmart, Netflix, Salary). Amount | The value of the transaction. Positive for both debits and credits. Transaction Type | Specifies whether the transaction is a debit (expense) or credit (income/refund). Category | Group/category assigned to the transaction (e.g., Rent, Groceries, Dining Out). Account Name | The account or payment method used (e.g., Visa Credit Card, Checking, Cash). Month | Extracted from the Date column in YYYY-MM format, used for monthly trend analysis.

Loans: Stock: Household: Credit Operations Overdue for More than 90 Days: House Finance System - SFH: Minas Gerais data was reported at 857,894,648.700 BRL in Jan 2025. This records a decrease from the previous number of 942,307,194.490 BRL for Dec 2024. Loans: Stock: Household: Credit Operations Overdue for More than 90 Days: House Finance System - SFH: Minas Gerais data is updated monthly, averaging 848,143,513.400 BRL from Apr 2014 (Median) to Jan 2025, with 130 observations. The data reached an all-time high of 1,193,045,265.590 BRL in Oct 2023 and a record low of 621,478,603.370 BRL in Sep 2014. Loans: Stock: Household: Credit Operations Overdue for More than 90 Days: House Finance System - SFH: Minas Gerais data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Brazil Premium Database’s Monetary – Table BR.KAB090: Loans: Stock: Household: Credit Operations Overdue for More than 90 Days: House Finance System - SFH. [COVID-19-IMPACT]

The total value of bank credit to households in Belgium from 2005 to 2021 rose gradually each year. In 2020, households had approximately 257.5 billion euros worth of bank credit. The following year, this number had risen to 260.4 billion euros worth of bank credit.In 2020, Belgium was hit by the COVID-19 pandemic, potentially affecting the bank credit value.

Context

This Data is from a crash course on Davidson

Content

It contains personal transactions on credit and debit transactions.

Acknowledgements

Thanks to DAVIDSON

Inspiration

This data can be analysed to answer questions like the total expenses incurred, the total income etc..

Little is known about how affected residents are able to cope with the financial shock of a natural disaster. This paper investigates the impact of flooding on household finance. Spikes in credit card borrowing and overall delinquency rates for the most flooded residents are modest in size and short-lived. Greater flooding results in larger reductions in total debt. Lower debt levels are driven by homeowners using flood insurance to repay their mortgages rather than to rebuild. Mortgage reductions are larger in areas where reconstruction costs exceeded pre-Katrina home values and where mortgages were likely to be originated by nonlocal lenders.

The FR 2835 collects interest rates on loans for new vehicles and loans for other consumer goods and personal expenses from a sample of commercial banks and the FR 2835a collects interest rates, finance charges, and loan balances for credit card accounts from a sample of commercial banks. The data from these reports help the Board analyze current household financial conditions and the implications of these conditions for household spending and, as such, these data provide valuable input to the monetary policymaking process. The data are also used to create aggregate statistics on consumer loan terms that are published in the Federal Reserve's monthly statistical releases G.19 Consumer Credit and G.20 Finance Companies, and in the Federal Reserve Bulletin. Some of the aggregates are used by the Board in the calculation of the aggregate household debt service and financial obligations ratios for the Federal Reserve's quarterly Financial Obligations statistical release and by the Bureau of Economic Analysis to calculate interest paid by households as part of the National Income and Product Accounts.

Loans: Stock: Household: Credit Operations Overdue for More than 90 Days: House Finance System - SFH: Pernambuco data was reported at 300,186,258.740 BRL in Jan 2025. This records a decrease from the previous number of 318,384,138.270 BRL for Dec 2024. Loans: Stock: Household: Credit Operations Overdue for More than 90 Days: House Finance System - SFH: Pernambuco data is updated monthly, averaging 265,634,691.840 BRL from Apr 2014 (Median) to Jan 2025, with 130 observations. The data reached an all-time high of 432,419,292.070 BRL in Sep 2023 and a record low of 147,738,471.080 BRL in Sep 2014. Loans: Stock: Household: Credit Operations Overdue for More than 90 Days: House Finance System - SFH: Pernambuco data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Brazil Premium Database’s Monetary – Table BR.KAB090: Loans: Stock: Household: Credit Operations Overdue for More than 90 Days: House Finance System - SFH. [COVID-19-IMPACT]

Loans: Stock: Household: Credit Operations Overdue for More than 90 Days: House Finance System - SFH: NA data was reported at 3,343,968.800 BRL in Dec 2015. This records a decrease from the previous number of 3,479,741.600 BRL for Nov 2015. Loans: Stock: Household: Credit Operations Overdue for More than 90 Days: House Finance System - SFH: NA data is updated monthly, averaging 4,732,759.900 BRL from Apr 2014 (Median) to Dec 2015, with 21 observations. The data reached an all-time high of 6,592,857.950 BRL in Jun 2014 and a record low of 3,309,018.460 BRL in Oct 2015. Loans: Stock: Household: Credit Operations Overdue for More than 90 Days: House Finance System - SFH: NA data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Brazil Premium Database’s Monetary – Table BR.KAB090: Loans: Stock: Household: Credit Operations Overdue for More than 90 Days: House Finance System - SFH.

This document is a Python code for full replication of the paper Leverage or Bias.

The programs replicate tables and figures from "Do Banks Pass Through Credit Expansions to Consumers Who Want to Borrow?", by Agarwal, Chomsisengphet, Mahoney, and Stroebel. Please see the Readme file for additional details.

Loans: Stock: Household: Credit Operations Overdue for More than 90 Days: House Finance System - SFH: Tocantins data was reported at 66,646,858.230 BRL in Jan 2025. This records a decrease from the previous number of 72,991,751.990 BRL for Dec 2024. Loans: Stock: Household: Credit Operations Overdue for More than 90 Days: House Finance System - SFH: Tocantins data is updated monthly, averaging 72,209,394.855 BRL from Apr 2014 (Median) to Jan 2025, with 130 observations. The data reached an all-time high of 95,826,984.090 BRL in Mar 2024 and a record low of 51,579,492.830 BRL in Sep 2015. Loans: Stock: Household: Credit Operations Overdue for More than 90 Days: House Finance System - SFH: Tocantins data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Brazil Premium Database’s Monetary – Table BR.KAB090: Loans: Stock: Household: Credit Operations Overdue for More than 90 Days: House Finance System - SFH. [COVID-19-IMPACT]

Since 2013, the Federal Reserve Board has conducted the Survey of Household Economics and Decision-making (SHED), which measures the economic well-being of U.S. households and identifies potential risks to their finances. The survey includes modules on a range of topics of current relevance to financial well-being including credit access and behaviors, savings, retirement, economic fragility, and education and student loans.

Currently published data series on the United States household debt service ratio are constructed from aggregate household debt data provided by lenders and estimates of the average interest rate and loan terms of a range of credit products. The approach used to calculate those debt service ratios could be prone to missing changes in loan terms. Better measurement of this important indicator of financial health can help policymakers anticipate and react to crises in household finance. We develop and estimate debt service ratio measures based on individual-level debt payments data obtained from credit bureau data and published estimates of disposable personal income. Our results suggest that aggregate debt service ratios may have understated the payment requirements of households. To the extent possible with two very distinct data sources we examine the details on the composition of household debt service and identify some areas where required payments appear to have varied substantially from the assumptions used in the Board of Governors' aggregate calculation. We then use our technique to calculate both national and state-level debt ratios and break these debt service ratios into debt categories at the national, state level, and metro level. This approach should allow detailed forecasts of debt service ratios based on anticipated changes to interest rates and incomes, which could serve to evaluate the ability of households to cope with potential economic shocks. The ability to disaggregate these estimates into geographic regions or age groups could help to identify the severity of the effects on more exposed groups.

The Survey of Consumer Finances (SCF) is normally a triennial cross-sectional survey of U.S. families. The survey data include information on families' balance sheets, pensions, income, and demographic characteristics.

Loans: Stock: Household: Credit Operations Overdue for More than 90 Days: House Finance System - SFH: Ceará data was reported at 286,362,318.420 BRL in Jan 2025. This records a decrease from the previous number of 314,617,307.610 BRL for Dec 2024. Loans: Stock: Household: Credit Operations Overdue for More than 90 Days: House Finance System - SFH: Ceará data is updated monthly, averaging 286,345,133.335 BRL from Apr 2014 (Median) to Jan 2025, with 130 observations. The data reached an all-time high of 415,478,792.710 BRL in Nov 2023 and a record low of 134,204,366.260 BRL in Sep 2014. Loans: Stock: Household: Credit Operations Overdue for More than 90 Days: House Finance System - SFH: Ceará data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Brazil Premium Database’s Monetary – Table BR.KAB090: Loans: Stock: Household: Credit Operations Overdue for More than 90 Days: House Finance System - SFH. [COVID-19-IMPACT]

Graph and download economic data for Use of Financial Services: Number of Loan Accounts for Households at Credit Unions and Financial Cooperatives for Mexico (MEXFCNODUHNUM) from 2010 to 2023 about credit unions, Mexico, financial, loans, households, services, and depository institutions.

Housing loans represented around **** percent of the total credit channeled towards households and non-financial businesses in Spain as pf December 2019. The rest of the credit for households, such as consumer credit, represented only **** percent.

Graph and download economic data for Use of Financial Services: Number of Loan Accounts for Households at Credit Unions and Financial Cooperatives for Greece (GRCFCNODUHNUM) from 2004 to 2023 about credit unions, Greece, financial, loans, households, services, and depository institutions.