<ddi:Fragment xmlns:ddi="ddi:instance:3_1" xmlns:r="ddi:reusable:3_1"><l:Variable id="d1ba696d-6f3f-4599-a392-807d260af0e0" version="1.0.0" versionDate="2025-05-20T12:55:41" xmlns:l="ddi:logicalproduct:3_1" xmlns:r="ddi:reusable:3_1"><r:UserID type="11179-IRDI">de.dezim:d1ba696d-6f3f-4599-a392-807d260af0e0:1</r:UserID><r:VersionResponsibility>el-masri@dezim-institut.de</r:VersionResponsibility><r:VersionRationale xml:lang="de">v5_I</r:VersionRationale><l:VariableName xml:lang="de">dcr0067</l:VariableName><r:Label xml:lang="de">Diskriminierung letzte 3 Monate: Kontakt mit Banken</r:Label><r:Label xml:lang="en">Discrimination last 3 months: contact with banks </r:Label><l:ResponseUnit /><r:AnalysisUnit /><l:Representation additivity="NonAdditive"><l:CodeRepresentation blankIsMissingValue="false"><r:CodeSchemeReference><r:ID>dfd3efe9-eef3-4dde-842b-e774a766cbfe</r:ID><r:IdentifyingAgency>de.dezim</r:IdentifyingAgency><r:Version>1</r:Version></r:CodeSchemeReference></l:CodeRepresentation></l:Representation></l:Variable></ddi:Fragment>