The Sample of Integrated Welfare Benefit Biographies (SIG) provides comprehensive administrative data on the labour market participation, household composition and financial situation of welfare benefit recipients and their household members in Germany between 2007 and 2020. The SIG data enables research on the dynamics of welfare receipt and labour market participation of welfare recipients. The aim of the article is to introduce the SIG and to showcase its analytical potential by empirically examining benefit loans that can be granted by welfare agencies when unexpected expenses cannot be covered by welfare recipients themselves. Loans and detailed further financial information available can be used to assess the severity of financial restrictions during welfare receipt. We found that 2% of welfare recipients received loans at least once during their benefit episode and that loans were most likely to be granted right at the beginning of a benefit episode. Moreover, the likelihood of loans increased with higher benefit needs and when a parallel employment episode started.

中文翻译：

---

福利受益人贷款：来自 2007-2020 年综合福利福利传记 (SIG) 样本的证据

综合福利金样本 (SIG) 提供了 2007 年至 2020 年间德国劳动力市场参与度、家庭构成以及福利金领取者及其家庭成员的财务状况的综合行政数据。SIG 数据可用于研究福利动态福利接受者的收入和劳动力市场参与。本文的目的是介绍 SIG 并通过实证研究当福利受益人自己无法支付意外费用时福利机构可以发放的福利贷款来展示其分析潜力。贷款和可用的详细进一步财务信息可用于评估领取福利期间财务限制的严重程度。我们发现，2% 的福利领取者在福利期间至少获得过一次贷款，并且贷款最有可能在福利期间开始时发放。此外，随着福利需求的增加以及平行就业事件的开始，贷款的可能性也会增加。