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

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 .

<http://zbw.eu/stw/descriptor/18673-1>
  rdfs:label "Informal financial market"@en, "Informal credit"@en, "Rotierende Sparvereine"@de, "Schattenbank"@de, "Informal lending"@en, "Hawala"@de, "Informeller Finanzmarkt"@de, "Informal finance"@en, "Informeller Kapitalmarkt"@de, "Limited service bank"@en, "Shadow bank"@en, "Shadow banking"@en, "Rotating savings and credit association"@en, "Informeller Finanzsektor"@de, "Tontine"@en ;
  skos:prefLabel "Informeller Finanzsektor"@de, "Informal finance"@en ;
  a zbwext:Descriptor, skos:Concept ;
  skos:related <http://zbw.eu/stw/descriptor/20553-3> .

<http://zbw.eu/stw/descriptor/13281-1>
  rdfs:label "Pfandkredit"@de, "Pawnshop"@en, "Leihhaus"@de, "Pfandleihe"@de, "Pawnbroking"@en ;
  skos:related <http://zbw.eu/stw/descriptor/20553-3> ;
  skos:prefLabel "Leihhaus"@de, "Pawnshop"@en ;
  a zbwext:Descriptor, skos:Concept .

<http://aims.fao.org/aos/agrovoc/c_331091>
  rdfs:label "microfinance"@en, "Mikrofinanz"@de ;
  skos:prefLabel "microfinance"@en, "Mikrofinanz"@de ;
  skos:exactMatch <http://zbw.eu/stw/descriptor/20553-3> .

<http://zbw.eu/stw/descriptor/13287-3>
  rdfs:label "Genossenschaftsbank"@de, "Kreditgenossenschaft"@de, "Cooperative bank"@en, "Volksbank"@de, "Credit union"@en, "Credit cooperative"@en, "Raiffeisenkasse"@de ;
  skos:prefLabel "Genossenschaftsbank"@de, "Cooperative bank"@en ;
  skos:related <http://zbw.eu/stw/descriptor/20553-3> ;
  a zbwext:Descriptor, skos:Concept .

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 .

zbwext:altLabelRelated
  skos:definition """Lexical label for a related term which is
    not defined as a separate concept. Intended for use with
    skos:Concept, instead of using skos:altLabel."""@en ;
  rdfs:label "altLabelRelated"@en .

wd:Q926217
  rdfs:label "Mikrofinanzierung"@de, "Mikrofinanz"@de, "Mikrofinanzinstitution"@de, "Mikrokreditprogramm"@de, "Microfinance"@en, "Mikrokredit"@de, "microfinance"@en ;
  skos:prefLabel "microfinance"@en, "Mikrofinanz"@de ;
  skos:exactMatch <http://zbw.eu/stw/descriptor/20553-3> .

<http://eurovoc.europa.eu/6713>
  rdfs:label "microloan"@en, "Mikrokredit"@de ;
  skos:prefLabel "microloan"@en, "Mikrokredit"@de ;
  skos:closeMatch <http://zbw.eu/stw/descriptor/20553-3> .

gnd:4164152-8
  rdfs:label "Persönlicher Kleinkredit"@de, "Persönliches Anschaffungsdarlehen"@de, "Kleinkredit"@de ;
  skos:prefLabel "Kleinkredit"@de ;
  skos:exactMatch <http://zbw.eu/stw/descriptor/20553-3> .

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 .

<https://data.gesis.org/thesoz/concept_10081164>
  rdfs:label "microfinance"@en, "Mikrofinanzierung"@de ;
  skos:prefLabel "microfinance"@en, "Mikrofinanzierung"@de ;
  skos:exactMatch <http://zbw.eu/stw/descriptor/20553-3> .

<http://zbw.eu/stw/thsys/71085>
  rdfs:label "V.08.03.01  Wirtschaftliche Entwicklung"@de, "Economic development"@en, "Wirtschaftliche Entwicklung"@de, "V.08.03.01  Economic development"@en ;
  skos:prefLabel "V.08.03.01  Economic development"@en, "V.08.03.01  Wirtschaftliche Entwicklung"@de ;
  a skos:Concept, zbwext:Thsys ;
  skos:notation "V.08.03.01" ;
  skos:narrower <http://zbw.eu/stw/descriptor/20553-3> .

gnd:4835581-1
  rdfs:label "Microfinance"@de, "Micro-Financing"@de, "Microcredit"@de, "Mikrofinanzierung"@de, "Mikrokreditprogramm"@de, "Mikrokredit"@de ;
  skos:prefLabel "Mikrofinanzierung"@de ;
  skos:exactMatch <http://zbw.eu/stw/descriptor/20553-3> .

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: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 .

<http://eurovoc.europa.eu/6714>
  rdfs:label "microfinance"@en, "Mikrofinanzierung"@de ;
  skos:prefLabel "microfinance"@en, "Mikrofinanzierung"@de ;
  skos:exactMatch <http://zbw.eu/stw/descriptor/20553-3> .

<http://zbw.eu/stw/descriptor/29706-1>
  rdfs:label "Mikroversicherung"@de, "Microinsurance"@en ;
  skos:prefLabel "Mikroversicherung"@de, "Microinsurance"@en ;
  a zbwext:Descriptor, skos:Concept ;
  skos:broader <http://zbw.eu/stw/descriptor/20553-3> .

<http://zbw.eu/stw/thsys/70905>
  skos:prefLabel "W.14  Finanzsektor"@de, "W.14  Financial sector"@en ;
  rdfs:label "Finanzsektor"@de, "W.14  Financial sector"@en, "W.14  Finanzsektor"@de, "Financial sector"@en ;
  a zbwext:Thsys, skos:Concept ;
  skos:narrower <http://zbw.eu/stw/descriptor/20553-3> ;
  skos:notation "W.14" .

<http://zbw.eu/stw/descriptor/29840-4>
  rdfs:label "Financial exclusion"@en, "Finanzielle Inklusion"@de, "Financial inclusion"@en ;
  skos:prefLabel "Finanzielle Inklusion"@de, "Financial inclusion"@en ;
  a zbwext:Descriptor, skos:Concept ;
  skos:related <http://zbw.eu/stw/descriptor/20553-3> .

<http://dbpedia.org/resource/Microfinance>
  rdfs:label "Mikrofinanz"@de, "Microfinance"@en ;
  skos:prefLabel "Mikrofinanz"@de, "Microfinance"@en ;
  skos:exactMatch <http://zbw.eu/stw/descriptor/20553-3> .

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/25742-3>
  rdfs:label "Finanzierung"@de, "Financing"@en ;
  skos:prefLabel "Finanzierung"@de, "Financing"@en ;
  a zbwext:Descriptor, skos:Concept ;
  skos:narrower <http://zbw.eu/stw/descriptor/20553-3> .

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 .

<http://zbw.eu/stw/descriptor/20553-3>
  skos:prefLabel "Microfinance"@en, "Mikrofinanzierung"@de ;
  rdfs:label "Microfinance institution"@en, "Microcredit"@en, "Micro-financing"@en, "Mikrofinanzinstitution"@de, "Mikrofinanzierung"@de, "Kleinkredit"@de, "Mikrokreditprogramm"@de, "Mikrokredit"@de, "Microfinance"@en ;
  skos:broader <http://zbw.eu/stw/descriptor/25742-3>, <http://zbw.eu/stw/thsys/71085>, <http://zbw.eu/stw/thsys/70905> ;
  skos:related <http://zbw.eu/stw/descriptor/13281-1>, <http://zbw.eu/stw/descriptor/29840-4>, <http://zbw.eu/stw/descriptor/18673-1>, <http://zbw.eu/stw/descriptor/13287-3> ;
  skos:exactMatch gnd:4164152-8, <http://eurovoc.europa.eu/6714>, wd:Q926217, <http://dbpedia.org/resource/Microfinance>, <http://aims.fao.org/aos/agrovoc/c_331091>, gnd:4835581-1, <https://data.gesis.org/thesoz/concept_10081164> ;
  skos:altLabel "Mikrofinanzinstitution"@de, "Mikrokreditprogramm"@de, "Microcredit"@en, "Micro-financing"@en, "Mikrokredit"@de, "Kleinkredit"@de ;
  zbwext:altLabelRelated "Microfinance institution"@en ;
  ns0:gvkppn "091377765" ;
  skos:closeMatch <http://eurovoc.europa.eu/6713> ;
  dc:isPartOf <http://zbw.eu/stw> ;
  a skos:Concept, zbwext:Descriptor ;
  skos:inScheme <http://zbw.eu/stw> ;
  skos:narrower <http://zbw.eu/stw/descriptor/29706-1> .

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

skos:closeMatch
  rdfs:subPropertyOf skos:mappingRelation ;
  skos:definition "skos:closeMatch is used to link two concepts that are sufficiently similar that they can be used interchangeably in some information retrieval applications. In order to avoid the possibility of \"compound errors\" when combining mappings across more than two concept schemes, skos:closeMatch is not declared to be a transitive property."@en ;
  rdfs:label "has close match"@en .