Nationality They have debts and type of creditor Total Total Total 100.0 Total Have debts 31.3 Total - Bank or financial institution 13.6 Total - Administration 9.0 Total - Shop or supermarket 2.9 Total - An individual 4.2 Total - A friend 4.3 Total - A relative 2.5 Total Have no debts 68.7 Spanish Total 100.0 Spanish Have debts 39.9 Spanish - Bank or financial institution 20.7 Spanish - Administration 13.8 Spanish - Shop or supermarket 4.4 Spanish - An individual 3.9 Spanish - A friend 3.2 Spanish - A relative 1.5 Spanish Have no debts 60.1 Foreign Total 100.0 Foreign Have debts 22.8 Foreign - Bank or financial institution 6.7 Foreign - Administration 4.2 Foreign - Shop or supermarket 1.5 Foreign - An individual 4.5 Foreign - A friend 5.3 Foreign - A relative 3.6 Foreign Have no debts 77.2