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

skos:narrower
  rdfs:subPropertyOf skos:narrowerTransitive ;
  skos:definition "Relates a concept to a concept that is more specific in meaning."@en ;
  rdfs:comment "Narrower concepts are typically rendered as children in a concept hierarchy (tree)."@en ;
  rdfs:label "has narrower"@en .

gnd:4180115-5
  rdfs:label "Schuldenregelung"@de ;
  skos:prefLabel "Schuldenregelung"@de ;
  skos:broadMatch <http://zbw.eu/stw/descriptor/18975-6> .

<http://zbw.eu/stw/descriptor/13780-4>
  rdfs:label "Verbraucherkreditrichtlinie"@de, "Consumer credit"@en, "Consumer instalment credit"@en, "VerbrKrG"@de, "Buy now pay later"@en, "Ratenkredit"@de, "Abzahlungskredit"@de, "Konsumentenkredit"@de, "BNPL"@en, "Verbraucherkreditrecht"@de, "Teilzahlungskredit"@de, "Verbraucherkredit"@de, "Deferred payment credit"@en, "Consumer loan"@en ;
  a skos:Concept, zbwext:Descriptor ;
  skos:prefLabel "Consumer credit"@en, "Verbraucherkredit"@de ;
  skos:broader <http://zbw.eu/stw/descriptor/18975-6> .

<http://zbw.eu/stw/descriptor/29703-0>
  rdfs:label "Private Finanzplanung"@de, "Personal finance"@en, "Personal financial planning"@en ;
  skos:prefLabel "Private Finanzplanung"@de, "Personal finance"@en ;
  a zbwext:Descriptor, skos:Concept ;
  skos:related <http://zbw.eu/stw/descriptor/18975-6> .

<http://zbw.eu/stw/descriptor/18975-6>
  rdfs:label "Private Verschuldung"@de, "Consumer debt"@en, "Verbraucherinsolvenz"@de, "Privatkonkurs"@de, "Private debt"@en, "Private Überschuldung"@de, "Personal bankruptcy"@en, "Private Schulden"@de, "Privatinsolvenz"@de, "Consumer bankruptcy"@en ;
  skos:broader <http://zbw.eu/stw/descriptor/10019-1>, <http://zbw.eu/stw/thsys/70814> ;
  a skos:Concept, zbwext:Descriptor ;
  skos:narrowMatch gnd:4180115-5 ;
  skos:inScheme <http://zbw.eu/stw> ;
  dc:isPartOf <http://zbw.eu/stw> ;
  skos:altLabel "Privatinsolvenz"@de, "Consumer debt"@en, "Consumer bankruptcy"@en, "Private Überschuldung"@de, "Privatkonkurs"@de, "Personal bankruptcy"@en, "Private Schulden"@de, "Verbraucherinsolvenz"@de ;
  skos:exactMatch gnd:4608796-5, <http://aims.fao.org/aos/agrovoc/c_28748>, gnd:4497164-3, <http://eurovoc.europa.eu/8432>, <http://dbpedia.org/resource/Private_debt>, wd:Q59679655 ;
  skos:related <http://zbw.eu/stw/descriptor/29703-0> ;
  ns0:gvkppn "091384273" ;
  skos:narrower <http://zbw.eu/stw/descriptor/13780-4> ;
  skos:prefLabel "Private debt"@en, "Private Verschuldung"@de .

gnd:4608796-5
  rdfs:label "Schuldenregulierungsverfahren"@de, "Privatkonkurs"@de ;
  skos:prefLabel "Privatkonkurs"@de ;
  skos:exactMatch <http://zbw.eu/stw/descriptor/18975-6> .

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:4497164-3
  rdfs:label "Verbraucherinsolvenzverfahren"@de, "Verbraucherüberschuldung"@de, "Verbraucherkonkurs"@de, "Verbraucher / Insolvenzverfahren"@de, "Verbraucher / Insolvenz"@de, "Verbraucherinsolvenz"@de, "Privatinsolvenz"@de ;
  skos:prefLabel "Verbraucherinsolvenzverfahren"@de ;
  skos:exactMatch <http://zbw.eu/stw/descriptor/18975-6> .

wd:Q59679655
  rdfs:label "Privatinsolvenz"@de, "private Verschuldung"@de, "private debt"@en, "Privatkonkurs"@de, "Verbraucherinsolvenz"@de, "Private Schulden"@de, "Private Überschuldung"@de ;
  skos:prefLabel "private Verschuldung"@de, "private debt"@en ;
  skos:exactMatch <http://zbw.eu/stw/descriptor/18975-6> .

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 .

<http://dbpedia.org/resource/Private_debt>
  rdfs:label "Private debt"@en ;
  skos:prefLabel "Private debt"@en ;
  skos:exactMatch <http://zbw.eu/stw/descriptor/18975-6> .

<http://zbw.eu/stw/thsys/70814>
  rdfs:label "W.33  Private Haushalte"@de, "Private Haushalte"@de, "W.33  Households"@en, "Households"@en ;
  skos:narrower <http://zbw.eu/stw/descriptor/18975-6> ;
  a zbwext:Thsys, skos:Concept ;
  skos:notation "W.33" ;
  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 .

<http://eurovoc.europa.eu/8432>
  rdfs:label "Privatinsolvenz"@de, "personal bankruptcy"@en, "persönlicher Konkurs"@de, "Insolvenzverfahren"@de, "civil bankruptcy"@en, "private bankruptcy"@en, "Zivilkonkurs"@de ;
  skos:exactMatch <http://zbw.eu/stw/descriptor/18975-6> ;
  skos:prefLabel "civil bankruptcy"@en, "Zivilkonkurs"@de .

<http://aims.fao.org/aos/agrovoc/c_28748>
  rdfs:label "Privatschulden"@de, "private debt"@en ;
  skos:prefLabel "Privatschulden"@de, "private debt"@en ;
  skos:exactMatch <http://zbw.eu/stw/descriptor/18975-6> .

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 .

<http://zbw.eu/stw/descriptor/10019-1>
  rdfs:label "Schulden"@de, "Debt"@en, "Verschuldung"@de, "Indebtedness"@en ;
  skos:prefLabel "Schulden"@de, "Debt"@en ;
  a zbwext:Descriptor, skos:Concept ;
  skos:narrower <http://zbw.eu/stw/descriptor/18975-6> .

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 .

