Volume I · Edition 2024 · Updated monthly

Sweden's consumer credit need, mapped.

290 municipalities. Four official data signals. One transparent index. An open visualisation of where Swedes are most likely to need consumer credit — and why.

290
Municipalities
4
Data sources
2020
Indexed back to
Monthly
Updated
Methodology, in brief

How the index is built

Four official signals are normalised to a 0–100 scale and combined with fixed weights. A higher index means greater aggregate credit need in a municipality — never an assessment of any individual.

Read the full methodology
30%
weight
Indebted persons (Kronofogden)
Share of population registered with debt at the Swedish Enforcement Authority.
3.448517803894054% national average
25%
weight
Disposable income (SCB HE0110)
Per consumption unit. Inverted — lower income increases the index.
388 kSEK national median
20%
weight
Rental housing share (SCB BO0104)
Share of dwellings that are rentals. A weak proxy for liquidity buffer.
33.314416778983706% national average
25%
weight
Open unemployment (Arbetsförmedlingen)
Monthly municipal open unemployment rate.
4.477611940298507% national average
index = 0.30 · debt + 0.25 · (100 − income) + 0.20 · rental + 0.25 · unemployment