@prefix skos: <http://www.w3.org/2004/02/skos/core#> .
@prefix rdfs: <http://www.w3.org/2000/01/rdf-schema#> .
@prefix wd: <http://www.wikidata.org/entity/> .
@prefix gnd: <https://d-nb.info/gnd/> .
@prefix dc: <http://purl.org/dc/terms/> .
@prefix zbwext: <http://zbw.eu/namespaces/zbw-extensions/> .
@prefix ns0: <http://purl.org/ontology/gbv/> .
@prefix owl: <http://www.w3.org/2002/07/owl#> .
@prefix void: <http://rdfs.org/ns/void#> .

skos:narrowMatch
  rdfs:subPropertyOf skos:narrower, skos:mappingRelation ;
  skos:definition "skos:narrowMatch is used to state a hierarchical mapping link between two conceptual resources in different concept schemes."@en ;
  rdfs:label "has narrower match"@en .

wd:Q2042903
  rdfs:label "Konsumkredit"@de, "consumer credit"@en, "Konsumentenkredit"@de ;
  skos:prefLabel "Konsumkredit"@de, "consumer credit"@en ;
  skos:exactMatch <http://zbw.eu/stw/descriptor/13780-4> .

<http://zbw.eu/stw/descriptor/13780-4>
  skos:broader <http://zbw.eu/stw/descriptor/12251-1>, <http://zbw.eu/stw/thsys/70814>, <http://zbw.eu/stw/descriptor/18975-6> ;
  rdfs:label "Verbraucherkreditrichtlinie"@de, "Abzahlungskredit"@de, "BNPL"@en, "Deferred payment credit"@en, "Verbraucherkreditrecht"@de, "Consumer instalment credit"@en, "Ratenkredit"@de, "Teilzahlungskredit"@de, "Konsumentenkredit"@de, "VerbrKrG"@de, "Consumer credit"@en, "Verbraucherkredit"@de, "Buy now pay later"@en, "Consumer loan"@en ;
  skos:exactMatch <http://eurovoc.europa.eu/289>, wd:Q2042903, gnd:4032243-9 ;
  skos:relatedMatch gnd:4141211-4, gnd:4166005-5, gnd:4262898-2, gnd:4770020-8, gnd:4131674-5, gnd:4270065-6 ;
  skos:altLabel "Verbraucherkreditrecht"@de, "Buy now pay later"@en, "Abzahlungskredit"@de, "Deferred payment credit"@en, "Ratenkredit"@de, "Verbraucherkreditrichtlinie"@de, "Teilzahlungskredit"@de, "Konsumentenkredit"@de, "BNPL"@en, "VerbrKrG"@de, "Consumer loan"@en, "Consumer instalment credit"@en ;
  dc:isPartOf <http://zbw.eu/stw> ;
  skos:inScheme <http://zbw.eu/stw> ;
  a skos:Concept, zbwext:Descriptor ;
  skos:narrowMatch gnd:4164152-8, gnd:4059342-3, gnd:4262898-2, gnd:4354669-9, gnd:4163498-6 ;
  skos:broadMatch gnd:4262898-2, gnd:4124764-4 ;
  ns0:gvkppn "091397103" ;
  skos:prefLabel "Consumer credit"@en, "Verbraucherkredit"@de ;
  skos:related <http://zbw.eu/stw/descriptor/10170-4> .

gnd:4270065-6
  rdfs:label "Konsumentenkredit / Recht"@de, "Verbraucherkredit / Recht"@de, "Verbraucherkreditrecht"@de ;
  skos:prefLabel "Verbraucherkreditrecht"@de ;
  skos:relatedMatch <http://zbw.eu/stw/descriptor/13780-4> .

<http://zbw.eu/stw/descriptor/18975-6>
  rdfs:label "Private Verschuldung"@de, "Consumer debt"@en, "Privatkonkurs"@de, "Verbraucherinsolvenz"@de, "Private debt"@en, "Private Überschuldung"@de, "Personal bankruptcy"@en, "Private Schulden"@de, "Consumer bankruptcy"@en, "Privatinsolvenz"@de ;
  a skos:Concept, zbwext:Descriptor ;
  skos:narrower <http://zbw.eu/stw/descriptor/13780-4> ;
  skos:prefLabel "Private debt"@en, "Private Verschuldung"@de .

<http://zbw.eu/stw/descriptor/12251-1>
  rdfs:label "Kredit"@de, "Credit"@en, "Loan"@en, "Darlehen"@de ;
  skos:prefLabel "Kredit"@de, "Credit"@en ;
  a zbwext:Descriptor, skos:Concept ;
  skos:narrower <http://zbw.eu/stw/descriptor/13780-4> .

skos:broader
  rdfs:subPropertyOf skos:broaderTransitive ;
  skos:definition "Relates a concept to a concept that is more general in meaning."@en ;
  rdfs:comment "Broader concepts are typically rendered as parents in a concept hierarchy (tree)."@en ;
  rdfs:label "has broader"@en .

gnd:4163498-6
  rdfs:label "Kaufkredit"@de ;
  skos:prefLabel "Kaufkredit"@de ;
  skos:broadMatch <http://zbw.eu/stw/descriptor/13780-4> .

gnd:4141211-4
  rdfs:label "Abzahlung"@de, "Ratenzahlung"@de, "Teilzahlung"@de ;
  skos:prefLabel "Abzahlung"@de ;
  skos:relatedMatch <http://zbw.eu/stw/descriptor/13780-4> .

<http://zbw.eu/stw/descriptor/10170-4>
  a zbwext:Descriptor, skos:Concept ;
  skos:prefLabel "Durable goods"@en, "Dauerhafte Konsumgüter"@de ;
  rdfs:label "Durable consumer goods"@en, "Dauerhafte Konsumgüter"@de, "Consumer durables"@en, "Durable goods"@en, "Gebrauchsgüter"@de, "Langlebige Konsumgüter"@de ;
  skos:related <http://zbw.eu/stw/descriptor/13780-4> .

gnd:4770020-8
  rdfs:label "Verbraucherdarlehensvertrag"@de ;
  skos:prefLabel "Verbraucherdarlehensvertrag"@de ;
  skos:relatedMatch <http://zbw.eu/stw/descriptor/13780-4> .

skos:altLabel
  rdfs:subPropertyOf rdfs:label ;
  skos:definition "An alternative lexical label for a resource."@en ;
  rdfs:comment "skos:prefLabel, skos:altLabel and skos:hiddenLabel are pairwise disjoint properties."@en, "The range of skos:altLabel is the class of RDF plain literals."@en ;
  rdfs:label "alternative label"@en .

gnd:4164152-8
  rdfs:label "Persönlicher Kleinkredit"@de, "Persönliches Anschaffungsdarlehen"@de, "Kleinkredit"@de ;
  skos:prefLabel "Kleinkredit"@de ;
  skos:broadMatch <http://zbw.eu/stw/descriptor/13780-4> .

gnd:4354669-9
  rdfs:label "Policedarlehen"@de, "Vorauszahlung / Versicherung"@de, "Policendarlehen"@de ;
  skos:prefLabel "Policedarlehen"@de ;
  skos:broadMatch <http://zbw.eu/stw/descriptor/13780-4> .

gnd:4124764-4
  rdfs:label "Darlehensrecht"@de, "Darlehen / Recht"@de ;
  skos:prefLabel "Darlehensrecht"@de ;
  skos:narrowMatch <http://zbw.eu/stw/descriptor/13780-4> .

<http://zbw.eu/stw/thsys/70814>
  rdfs:label "W.33  Private Haushalte"@de, "Private Haushalte"@de, "W.33  Households"@en, "Households"@en ;
  a zbwext:Thsys, skos:Concept ;
  skos:notation "W.33" ;
  skos:narrower <http://zbw.eu/stw/descriptor/13780-4> ;
  skos:prefLabel "W.33  Households"@en, "W.33  Private Haushalte"@de .

skos:prefLabel
  rdfs:subPropertyOf rdfs:label ;
  skos:definition "The preferred lexical label for a resource, in a given language."@en ;
  rdfs:comment """skos:prefLabel, skos:altLabel and skos:hiddenLabel are pairwise
      disjoint properties."""@en, "The range of skos:prefLabel is the class of RDF plain literals."@en, "A resource has no more than one value of skos:prefLabel per language tag."@en ;
  rdfs:label "preferred label"@en .

skos:exactMatch
  rdfs:subPropertyOf skos:closeMatch ;
  skos:definition "skos:exactMatch is used to link two concepts, indicating a high degree of confidence that the concepts can be used interchangeably across a wide range of information retrieval applications. skos:exactMatch is a transitive property, and is a sub-property of skos:closeMatch."@en ;
  rdfs:comment "skos:exactMatch is disjoint with each of the properties skos:broadMatch and skos:relatedMatch."@en ;
  rdfs:label "has exact match"@en .

skos:broadMatch
  rdfs:subPropertyOf skos:mappingRelation, skos:broader ;
  skos:definition "skos:broadMatch is used to state a hierarchical mapping link between two conceptual resources in different concept schemes."@en ;
  rdfs:label "has broader match"@en .

gnd:4032243-9
  rdfs:label "Konsumkredit"@de, "Konsumentenratenkredit"@de, "Verbraucherteilzahlungskredit"@de, "Konsumtivkredit"@de, "Verbraucherkredit"@de, "Konsumentenkredit"@de ;
  skos:prefLabel "Konsumentenkredit"@de ;
  skos:exactMatch <http://zbw.eu/stw/descriptor/13780-4> .

skos:related
  rdfs:subPropertyOf skos:semanticRelation ;
  skos:definition "Relates a concept to a concept with which there is an associative semantic relationship."@en ;
  rdfs:comment "skos:related is disjoint with skos:broaderTransitive"@en ;
  rdfs:label "has related"@en .

skos:relatedMatch
  rdfs:subPropertyOf skos:related, skos:mappingRelation ;
  skos:definition "skos:relatedMatch is used to state an associative mapping link between two conceptual resources in different concept schemes."@en ;
  rdfs:label "has related match"@en .

<http://eurovoc.europa.eu/289>
  rdfs:label "consumer credit"@en, "Konsumtivkredit"@de, "Verbraucherkredit"@de, "Konsumentenkredit"@de ;
  skos:prefLabel "consumer credit"@en, "Verbraucherkredit"@de ;
  skos:exactMatch <http://zbw.eu/stw/descriptor/13780-4> .

gnd:4262898-2
  rdfs:label "Finanzierter Abzahlungskauf"@de ;
  skos:prefLabel "Finanzierter Abzahlungskauf"@de ;
  skos:relatedMatch <http://zbw.eu/stw/descriptor/13780-4> ;
  skos:narrowMatch <http://zbw.eu/stw/descriptor/13780-4> ;
  skos:broadMatch <http://zbw.eu/stw/descriptor/13780-4> .

gnd:4059342-3
  rdfs:label "Verbraucherteilzahlungskredit"@de, "Teilzahlungskredit"@de, "Ratenkredit"@de, "Abzahlungskredit"@de ;
  skos:prefLabel "Teilzahlungskredit"@de ;
  skos:broadMatch <http://zbw.eu/stw/descriptor/13780-4> .

gnd:4166005-5
  rdfs:label "Kundenfinanzierung"@de ;
  skos:prefLabel "Kundenfinanzierung"@de ;
  skos:relatedMatch <http://zbw.eu/stw/descriptor/13780-4> .

zbwext:Descriptor
  rdfs:label "Descriptor"@en ;
  a owl:Class .

skos:inScheme
  skos:definition "Relates a resource (for example a concept) to a concept scheme in which it is included."@en ;
  rdfs:label "is in scheme"@en .

<http://zbw.eu/stw>
  rdfs:label "Standard-Thesaurus Wirtschaft"@de, "STW Thesaurus for Economics"@en ;
  skos:prefLabel "Standard-Thesaurus Wirtschaft"@de, "STW Thesaurus for Economics"@en ;
  a void:Dataset, skos:ConceptScheme .

skos:Concept
  rdfs:label "Concept"@en ;
  a owl:Class .

gnd:4131674-5
  rdfs:label "Abzahlungsgeschäft"@de, "Abzahlungskauf"@de, "Ratenkauf"@de, "Teilzahlungsgeschäft"@de ;
  skos:prefLabel "Abzahlungsgeschäft"@de ;
  skos:relatedMatch <http://zbw.eu/stw/descriptor/13780-4> .

