Varför ökar svensk skuldkvot? : Studie om inrikes migration är bidragande faktor till de svenska hushållens ökande skuldkvot

Sammanfattning: Swedish debt is today at its highest level ever and gaining knowledge about the reasons why is consequently important. The aim of this thesis is therefore to study whether migration between Swedish municipalities and counties effect debt. In order to examine the rise in debt, a cross-section analysis is used as well as an instrumental variable method, with panel data from SCB as well as Riksbanken, covering the period 2010-2017. The result is that one percent net-inflow increase in population, follows a gain of 2.033 percent in average, and 2.762 in median debt ratio for municipalities. No significance was shown with the same method between counties. The instrumental variable method shows that a migrant generates 0.0003 higher debt ratio on 1 percent significance level, but only without a control-variable. While one percent increase in population from migration follows 3.1 percent higher debt ratio on 5 percent significance level, but solely with the control-variable.