Personal Insolvencies — methodology

What this metric measures

People entering a new personal insolvency administration - bankruptcy, debt agreement or personal insolvency agreement - each quarter, national total (AFSA).

Why it matters: The clearest headline read on household financial distress; rising insolvencies often accompany worsening employment and cost-of-living conditions.

Source & provenance

Publisher

AFSA quarterly personal insolvency statistics - total personal insolvencies, national

Update frequency

quarterly

Licence

CC BY 4.0

How the score is computed

The score is a 0–100 normalisation of the latest observation, compared to a baseline window. The traffic-light rating (RAG) reflects both the absolute level and the recent trend.

Direction

Lower is better

Trend window

24 months

Baseline

Last 10 years

{
  "red_min_pct_of_baseline": 110,
  "amber_max_pct_of_baseline": 110,
  "green_max_pct_of_baseline": 95
}