Labour market and personal finance
About seven in ten workers are in private companies. The rest work for the state, a region or a municipality. Wages are not set by the state but in collective agreements between unions and employers. LO, TCO and Saco are the main trade-union confederations. There are also laws on working time, the work environment and holidays. An unemployed person may get benefits from an unemployment fund if the conditions are met. Personal finance covers pay, benefits, housing and loans. The Enforcement Authority collects debts and can help with debt relief. Income is declared to the Tax Agency.
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Most people work in private companies. Pay is usually set in a collective agreement, not by the state. An unemployment fund can pay benefits if you qualify. The Enforcement Authority collects unpaid debts.
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