Exploring spatial and demographic official statistics on personal insolvency

Current crises, such as the COVID-19 pandemic or the war in Ukraine, have increased economic and financial burdens on individuals and households.  Until now, official statistics publish absolute numbers on personal insolvency at the German federal state level. These numbers are based on insolvency announcements from local courts (Amtsgerichte) in Germany. This paper provides novel methodological analyses for this administrative data source to improve current official statistics using data science tools. These newly derived statistics will inform on the demographic and spatial distribution of personal insolvency and provide more accurate information for policymakers. Hence, these statistics can serve as a base to potentially inform the development of tailored social policy programs.


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