DDI_WBG_2011_FLS_v01_M_WB World Bank 2012-04-28 NADA Financial Literacy and Consumer Awareness Survey 2011 FLS 2011 WBG_2011_FLS_v01_M Riyada Consulting and Training NADA World Bank, Financial and Private Sector Development United States Agency for International Development Other Household Health Survey [hh/hea] The survey was commissioned by the World Bank and it is aligned with the objectives of the World Bank's (WB) Global Program on Consumer Protection and Financial literacy that was launched in 2010. The aim of the WB program is to help targeted countries achieve better consumer protection in financial services. The WB initiative has targeted both public and private sector agencies, and has sponsored comprehensive research projects with the objective of finding the best solutions for each individual country/region. The survey focuses on financial services such as banking, insurance, microfinance in terms of credit, savings and payment systems, and was designed to identify the level of financial awareness and familiarity with financial services providers in the West Bank and Gaza. The survey also tried to identify appropriate methods for expanding consumer education and strengthening consumer rights in the West Bank and Gaza. It is expected that the survey will support the objectives outlined by the Word Bank's Financial Governance/Consumer Protection in Financial Services Program. A major objective of this survey is to provide regional data for the World Bank's multi-national database. Thus, the inherent strengths of this initiative is that it will allow regional stakeholders the opportunity to draw upon both local and international data. Local, international, small and large-scale strategies can then be formulated by comparing the diagnostic reviews of local data to that of other survey countries. By learning from the successes and failures of other survey countries, more effective mechanisms for the improvement of consumer protection and financial literacy in the West Bank and Gaza can be established. West Bank and Gaza National Household, individual The target population is comprised of all Palestinians of the age group 18 - 65 years old residing in the territories of the West Bank and Gaza. Sample survey data [ssd] The survey focuses on consumer protection and was designed with the goal of contributing to the development of the financial markets and national development agenda of the West Bank and Gaza. This supports the overall objective of the activity, which is to gather data to be used to develop a tool-kit for financial services and consumer protection in the West Bank and Gaza. The survey collected data from 2022 Palestinians in the West Bank and Gaza. The sample distribution was 66.8% West Bank and 33.2% Gaza Strip. Sampling Frame The sampling frame included all geographical locations in which the target population resides. The sampling frame was used to select the sample of locations for the survey. It also included the type of localities (urban, rural and refugee camps) and population size in each location. This information was taken into consideration in designing the survey sample. The following table provides the distribution of Palestinian households by governorates according to data available on the Census of 2007: Sampling Frame according to Number of Households: Governorate Total Number of Households West Bank: Jenin 47,437 Tubas 9,004 Tulkarem 29,938 Nablus 59,663 Qalqilia 16,483 Salfit 11,103 Ramallah Al Bireh 52,834 Jericho 7,615 Jerusalem 70,434 Bethlehem 32,667 Hebron 89,919 Subtotal 427,097 Gaza Strip: North Gaza 40,262 Gaza 76,810 Deir Al Balah 32,083 Khan Yonis 43,203 Rafah 26,863 Subtotal 219,221 Total 646,318 The following table shows the distribution of Palestinian households according to type of locality: Sampling Frame according to Type of Locality Type of Locality Number of Households Urban 472,736 Rural 113,386 Refugee Camps 60,196 Total 646,318 The frame was divided into strata depending on the homogeneity of the divided parts as follows: A) Governorates: 16 in the West Bank and Gaza. B) The type of locality: city, village and refugee camp. Sample Design and Type Three Stage Stratified Cluster Sample of 2022 persons (2022 households). The sample design was as follows: 1. Stage one: selection a sample of 60 representative localities covering all strata. 2. Stage two: selection a random sample of Palestinian households from each location selected in the first stage. 3. Stage three: random selection of one person from each household using Kish table within the age group of 18 years old and above. Half of the sample will be male and half is female respondents. Sample Size The sample size was 2022 persons from all Palestinian territories aged 18 years and above. Main regions covered by the sample are: the West Bank (excluding Ramallah), Ramallah and Gaza Strip. The sample was distributed as follows: Region / # of Households Ramallah and Al Bireh 350 West Bank 1000 Gaza Strip 672 Total 2022 The margin of error in the main key variables is approximately 2.5% on the entire sample size and it should be bigger in the detailed domains. Sample Representation: The researchers ensured that the sample is representative of the following during the field work: 1) Geographical representation: the sample distribution covers all governorates of the West Bank (including Jerusalem) and Gaza strip, thus provides a comprehensive geographical representation. 2) Economic Activity: in general, Ramallah and Al Bireh governorate is considered the economic and commercial center and thus was given a higher weight in the sample compared to the rest of the localities. 3) Economic Sectors: the sample covered different economical sectors such as employees of industrial, services and commercial sectors (usually in the main cities), workers in the agricultural sector (rural areas) and workers in the informal sector (mostly in Gaza). 4) Poverty levels: the sample covers poor localities as provided by statistics. In general, Gaza is considered poorer than the West Bank. Also, refugee camps and some localities particularly in North West Bank are considered poorer than the rest of localities and the above sample distribution provides coverage of such localities. 5) Age Groups: the sample covered all age groups above the age of 18. The reason behind selecting the starting age to be 18 is the fact that it is within this age that an individual is expected to become involved with financial transactions and thus will be dealing with financial services. 6) Gender: the sample was gender balanced; half of the respondents were males and half were females. This corresponds with the gender distribution of the Palestinian Territories. 7) Infrastructure: the sample covered central and remote localities to guarantee representation of poor versus good infrastructure and availability of services including financial services. Face-to-face [f2f] A standard questionnaire was previously developed by the World Bank and was adapted to the Palestinian context by Riyada Consulting. The questionnaire was also shared with local stakeholders such as the Palestinian Monetary Authority, USAID and other departments of the World Bank. Use of the dataset must be acknowledged using a citation which would include: - the Identification of the Primary Investigator - the title of the survey (including country, acronym and year of implementation) - the survey reference number - the source and date of download The user of the data acknowledges that the original collector of the data, the authorized distributor of the data, and the relevant funding agency bear no responsibility for use of the data or for interpretations or inferences based upon such uses. WestBank_Gaza_financial_literacy 1. This file contains all the data from the questionnaire, which include 20 descriptive variables about the respondent followed by his/her response to the survey questions under 8 categories, including financial market and services related questions, financial education and literacy related questions, and household financial management questions. a. Before the survey-related questions, there are three questions (O1, O2, O3) in the survey under the heading “Refusals” which discuss why the respondent did not take the survey. The results of these questions are not given in the dataset. 2. For multiple choice questions, each selection made by the individual is saved as a unique variable. For instance, question C6 allowed for multiple choices and if a person selected 3 of the given options: a, d and f; then his selection will be marked as “yes” for C6_a, C6_d and C6_f while his selection will be marked as “no” for C6_b, C6_c, C6_e, C6_g, C6_h, C6_i, C6_j and C6_k 3. D11 is a multiple choice question but the data contains only one variable which track one choice of the respondent. 4. Questions that required text responses, especially questions with “Other…” option, have data in the regional language, i.e., not in English. The questions with these responses are P4, P5, P8, G2_f_text, G3_a, G3_b, G3_c, G12_5, H2 2022 308 serial number serial number serial number serial number serial number 2022 1 1350 562.444 373.579 P-1 Exact time of the survey start: hour, minute P-1 Exact time of the survey start: hour, minute P-1 Exact time of the survey start: hour, minute P-1 Exact time of the survey start: hour, minute P-1 Exact time of the survey start: hour, minute Exact time of the survey start: hour, minute 2016 09:30 09:32 10 1015 10:00 10:04 10:05 10:06 10:07 10:08 10:10 10:11 10:12 10:13 10:14 10:15 10:16 10:18 10:2 10:20 10:21 10:23 10:24 10:27 10:28 10:29 10:3 10:30 10:31 10:32 10:33 10:34 10:35 10:36 10:37 10:38 10:39 10:40 10:41 10:42 10:43 10:44 10:45 10:46 10:47 10:48 10:49 10:5 10:50 10:52 10:53 10:54 10:55 10:56 10:57 10:58 10:59 10:8 10:9 11:00 11:01 11:02 11:03 11:04 11:05 11:06 11:07 11:08 11:10 11:11 11:12 11:13 11:14 11:15 11:16 11:17 11:18 11:19 11:2 11:20 11:21 11:22 11:23 11:24 11:25 11:26 11:27 11:28 11:3 11:30 11:31 11:32 11:33 11:34 11:35 11:36 11:37 11:38 11:40 11:41 11:42 11:43 11:44 11:45 11:46 11:47 11:48 11:49 11:5 11:50 11:51 11:52 11:53 11:54 11:55 11:56 11:57 11:58 11:59 11:8 11:9 12 12:00 12:01 12:02 12:03 12:05 12:06 12:07 12:08 12:09 12:10 12:11 12:12 12:13 12:14 12:15 12:16 12:17 12:18 12:19 12:20 12:21 12:22 12:2203 12:23 12:24 12:25 12:26 12:27 12:28 12:29 12:30 12:31 12:32 12:33 12:34 12:35 12:36 12:37 12:38 12:39 12:4 12:40 12:41 12:42 12:43 12:44 12:45 12:46 12:47 12:48 12:49 12:5 12:50 12:51 12:52 12:53 12:54 12:55 12:56 12:57 12:58 12:59 12:7 12:9 13 13:00 13:02 13:03 13:05 13:06 13:07 13:08 13:09 13:10 13:11 13:12 13:13 13:14 13:15 13:16 13:17 13:2 13:20 13:21 13:22 13:23 13:25 13:27 13:28 13:29 13:30 13:31 13:32 13:33 13:34 13:35 13:36 13:37 13:38 13:40 13:42 13:43 13:44 13:45 13:46 13:47 13:48 13:50 13:51 13:54 13:55 13:57 13:58 13:7 14:00 14:01 14:02 14:05 14:07 14:08 14:09 14:1 14:10 14:11 14:14 14:15 14:17 14:18 14:19 14:20 14:21 14:22 14:23 14:24 14:25 14:28 14:29 14:30 14:31 14:32 14:35 14:36 14:37 14:39 14:40 14:42 14:44 14:45 14:46 14:47 14:48 14:49 14:50 14:52 14:53 14:55 14:56 14:58 14:59 14:7 14ß25 15 154:04 15:00 15:05 15:06 15:08 15:09 15:10 15:11 15:13 15:15 15:16 15:18 15:19 15:20 15:22 15:23 15:24 15:25 15:27 15:28 15:30 15:32 15:33 15:34 15:35 15:36 15:37 15:39 15:40 15:42 15:44 15:45 15:46 15:48 15:50 15:55 15:56 15:57 16:00 16:04 16:05 16:08 16:10 16:14 16:15 16:16 16:17 16:19 16:20 16:22 16:25 16:26 16:28 16:29 16:30 16:33 16:34 16:40 16:44 16:45 16:49 16:50 16:51 16:52 16:55 16:56 16:57 16:7 17:00 17:10 17:12 17:13 17:15 17:20 17:30 17:48 17:50 18:00 18:02 18:07 18:12 18:18 18:45 18:48 19:00 19:15 19:35 19:40 19:43 1:00 1:01 1:03 1:04 1:05 1:06 1:07 1:08 1:09 1:1 1:10 1:11 1:12 1:13 1:14 1:15 1:16 1:18 1:2 1:20 1:21 1:24 1:25 1:26 1:27 1:28 1:3 1:30 1:31 1:32 1:33 1:34 1:35 1:36 1:37 1:38 1:39 1:40 1:42 1:43 1:44 1:45 1:46 1:47 1:48 1:49 1:5 1:50 1:52 1:53 1:54 1:55 1:56 1:58 1:59 1:6 1:8 20:00 20:10 20:17 20:29 20:35 20:45 27:12 28:20 2:00 2:01 2:04 2:05 2:06 2:07 2:08 2:09 2:10 2:11 2:12 2:13 2:14 2:15 2:17 2:18 2:19 2:20 2:21 2:22 2:23 2:24 2:25 2:26 2:27 2:28 2:3 2:30 2:31 2:32 2:33 2:34 2:35 2:36 2:37 2:38 2:39 2:40 2:41 2:42 2:43 2:45 2:47 2:48 2:49 2:5 2:50 2:51 2:52 2:53 2:54 2:55 2:56 2:57 2:58 2:59 2:6 2:7 3:00 3:01 3:05 3:07 3:08 3:09 3:10 3:11 3:12 3:13 3:14 3:15 3:16 3:17 3:18 3:19 3:2 3:20 3:22 3:23 3:24 3:25 3:27 3:29 3:3 3:30 3:31 3:34 3:35 3:37 3:38 3:39 3:40 3:41 3:42 3:43 3:45 3:46 3:47 3:50 3:51 3:52 3:53 3:55 3:56 3:57 3:58 3:59 3:8 4:00 4:03 4:04 4:05 4:07 4:08 4:10 4:11 4:12 4:13 4:15 4:16 4:18 4:19 4:20 4:22 4:24 4:26 4:28 4:30 4:31 4:32 4:35 4:36 4:37 4:38 4:40 4:41 4:42 4:43 4:44 4:45 4:46 4:49 4:5 4:52 4:53 4:55 4:56 4:57 4:58 5:00 5:03 5:05 5:07 5:09 5:1 5:10 5:12 5:15 5:16 5:18 5:19 5:20 5:22 5:24 5:25 5:30 5:31 5:35 5:36 5:39 5:40 5:44 5:45 5:46 5:48 5:5 5:50 5:51 5:53 5:55 5:56 5:58 5:59 6:00 6:05 6:10 6:15 6:21 6:3 6:30 6:35 6:36 6:38 6:45 6:5 6:52 6:53 7:00 7:10 7:15 7:20 7:30 7:38 7:40 7:50 8:00 8:09 8:1 8:10 8:15 8:20 8:24 8:25 8:30 8:35 8:40 8:42 8:43 8:44 8:45 8:5 8:50 8:55 8:57 8:9 9:00 9:04 9:10 9:11 9:15 9:18 9:20 9:21 9:25 9:27 9:3 9:30 9:33 9:34 9:35 9:37 9:38 9:40 9:42 9:43 9:44 9:45 9:47 9:5 9:50 9:53 9:54 9:55 9:57 P-2 ordinal number of the survey P-2 ordinal number of the survey P-2 ordinal number of the survey P-2 ordinal number of the survey P-2 ordinal number of the survey ordinal number of the survey 2012 01 02 03 04 05 06 07 08 09 1 10 11 12 13 14 15 16 17 18 19 2 20 21 22 23 24 25 26 27 28 29 3 30 31 32 33 34 35 36 37 38 39 4 40 41 42 43 44 45 46 47 48 49 5 50 51 52 53 54 55 56 57 58 59 6 60 61 62 63 64 65 7 8 9 P-3 date of survey P-3 date of survey P-3 date of survey P-3 date of survey P-3 date of survey date of survey 2019 1/5/2011 10-5-2001 10-5-20011 10-5-2011 10/11/2011 10/5 10/5/2011 10:5:2011 11-5-2011 11/5 11/5/2011 11:5:2011 12-5-2011 12/5 12/5/2011 13-5-2011 13/5 13/5/2011 14-5-2011 14/5 14/5/2011 14/52011 14:5 15-5-2011 15/5 15/5/011 15/5/2011 16-5-2011 16/5 16/5/2011 17-5-2011 17/5 18/5 18/5/2011 19/5/2011 2/2/2011 20/5/2011 21-5-2011 21/5 21/5/2011 25-5-2011 4/5 5-5-2011 5/10 5/11 5/18 5/5 5/5/2011 5/7 5/8 5/9 5\10 5\11 5\12 5\13 5\16 5\18 5\4 5\5 5\7 5\8 5\9 6-5-2011 6/5 6/5/2011 7-5-2011 7/5 7/5/2011 8-5-2001 8-5-2011 8/5 8/5/2001 8/5/2011 8/5/211 9-5-2011 9/5 9/5/2011 9:5:2011 P-4 interviewer’s name and surname P-4 interviewer’s name and surname P-4 interviewer’s name and surname P-4 interviewer’s name and surname P-4 interviewer’s name and surname interviewer's name and surname 2002 P-5 coordinator’s name and surname P-5 coordinator’s name and surname P-5 coordinator’s name and surname P-5 coordinator’s name and surname P-5 coordinator’s name and surname coordinator's name and surname 2022 ÃÍãÏ ÇáÔÑÝÇ ÃÍãÏ ÇáÔÑÝÇ ÃáÝÊ ÝÑÍÇä ÃáÝÊ ÝÑÍÇä ÃáÞÊ ÝÑÍÇä ÅáåÇã ÇáÓÚÏÉ ÅáåÇã ÓÚÏÉ ÇÍãÏ ÇáÔÑÝÇ ÇÍãÏ ÇáÔÑÝÇ ÇáÝÊ ÝÑÍÇä ÇáåÇã ÓÚÏÉ ÇáåÇã ÓÚÏå ÊÛÑíÏ ÓÚÏ ÊÛÑíÏ ÓÚíÏ ÑÔÇ ÑÛÏÉ ÚáÇäÉ ÑÛÏÉ ÚáÇæäÉ 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ãÚÓßÑ ÇáÔÇØíÁ Èáæß 2 ãÚÓßÑ ÇáÔÇØíÁ ÔÇÑÚ ÍãíÏ ãÚÓßÑ ÇáÔÇØíÁ ÞÑÈ ÇáÚíÇÏÉ ÇáÚÓßÑíÉ ãÚÓßÑ ÇáÔÇØíÁ ãíÏÇä ÇáÔåÏÇÁ ãÚÓßÑ ÌÈÇáíÇ ãÚÓßÑ ÌÈÇáíÇ Èáæß 6 ãÚÓßÑ ÌÈÇáíÇ Èáæß 6 ÔÇÑÚ ÇáÊÑäÓ ãÚÓßÑ ÌÈÇáíÇ Èáæß 7 ãÚÓßÑ ÌÈÇáíÇ ÔÇÑÚ ÇáÊÑäÓ ÇáÑÆíÓí ãÚÓßÑ ÌÈÇáíÇ ÔÇÑÚ ÇáÔåÏÇÁ ãÝÑÞ ÇáÈáÏ ãÝÑÞ æÓØ ÇáÈáÏ ãäØÞÉ ÇáÅÊÍÇÏ ãäØÞÉ ÇáÅÊÍÇÏ / ÔÇÑÚ ÚÕíÑÉ ãäØÞÉ ÇáÌÇãÚ ãäØÞÉ ÇáÓæÞ äÇÈáÓ äãÑÉ / ÇáÔÇÑÚ ÇáÑÆíÓí / ÞÑÈ ßÑÇÌ ãÑæÇä äãÑÉ / ÞÑÈ ãÑßÒ ÇáÔÑØÉ äãÑÉ / ÞÑÈ ãÔÍãÉ ÇáÃÍãÏ äãÑÉ / ÞÑÈ ãØÚã ÃÈæ ãÇÒä äæÑ ÔãÓ äæÑ ÔãÓ- ÍÇÑÉ ÇáãÓÌÏ äæÑ ÔãÓ- ÍÇÑÉ ÇáãÓÌÏ äæÑ ÔãÓ-ÍÇÑÉ ÇáãÓÌÏ-ÞÑÈ ãÓÌÏ ÇÈæ ÈßÑ ÇáÕÏíÞ äæÑ ÔãÓ-æÓØ ÇáãÎíã-ÕíÏáíÉ äæÑ ÇáåÏì äæÑÔãÓ-ÍÇÑÉ ÇáãÍÌÑ-ÞÑÈ ÈÞÇáÉ ÎÇáÏÝÍãÇæí äæÑÔãÓ-ÍÇÑÉ ÇáãÓÌÏ-ÞÑÈ ãÓÌÏ ÇÈæ ÈßÑ äæÑÔãÓ-ÔÇÑÚ äÇÈáÓ-ÔÑÞ ÕíÏáíÉ ÝÑÇÓ äæÑÔãÓ-æÓØ ÇáãÎíã-ÕíÏáíÉ äæÑ ÇáåÏì æÓØ ÇáÈáÏ æÓØ ÇáÈáÏ - ÈÇáÞÑÈ ãä ÑæÖÉ ÇáÍäÇä æÓØ ÇáÈáÏ / ÔÇÑÚ ÇáãÏÇÑÓ æÓØ ÇáÈáÏ / ÞÑÈ ÇáÌÇãÚ æÓØ ÇáÈáÏ / ÞÑÈ ÑæÖÉ ÇáÒåæÑ æÓØ ÇáÓæÞ æÓØ ÇáÓæÞ / ÔÇÑÚ ÚÈÏ ÇáÑÍíã ÇáÓÈÚ æÓØ ÇáÞÑíÉ æÓØ ÇáãÏíÉ æÓØ ÇáãÏíäÉ íÈäÇ P-9 type of Locality P-9 type of Locality P-9 type of Locality P-9 type of Locality P-9 type of Locality type of Locality 2022 1 City 2 Village 3 Camp P-10 Locality size P-10 Locality size P-10 Locality size P-10 Locality size P-10 Locality size Locality size 2022 1 Up to 2000 persons 2 From 2001-10000 person 3 From 10001-100000 person 4 From 100001- over P-11 Nationality P-11 Nationality P-11 Nationality P-11 Nationality P-11 Nationality Nationality 2013 9 1 Palestinian identity 2 The identity of jerusalem 3 Palestinians with foreign citizenship 4 Foreign 5 Other Sysmiss P-12 Age P-12 Age P-12 Age P-12 Age P-12 Age Age 2015 7 18 72 36.274 12.543 P-13 Gender P-13 Gender P-13 Gender P-13 Gender P-13 Gender Gender 2022 1 Male 2 Female P-14 Highest Level of Education Attained P-14 Highest Level of Education Attained P-14 Highest Level of Education Attained P-14 Highest Level of Education Attained P-14 Highest Level of Education Attained Highest Level of Education Attained Mention the highest degree achieved and not ongoing studies. 2019 3 1 Uneducated or primary classes 1-4 2 Basic row 5-10 3 Reduce the secondary class 12 4 One or two years professional education 5 Three-year vocational education and training 6 Four years of education or vocational training 7 Certificate after the tawjihi (inclusive) 8 College, academic 9 M.A 10 Doctorate 11 Do not know / I do not want to answer Sysmiss P-15 Current Main Occupation Status P-15 Current Main Occupation Status P-15 Current Main Occupation Status P-15 Current Main Occupation Status P-15 Current Main Occupation Status Current Main Occupation Status 2020 2 1 Officer 2 Another type of work (daily work for hire, the work of non-o 3 Employer 4 Self employed in non-agricultural sectors 5 Self employed in the agricultural sectors 6 Work in the family (Assistant) 7 Unemployed (registered) 8 Unemployed (not registered - do not get any unemployment ben 9 Retired - because of age 10 Retired - for other reasons 11 Student 12 Housewife 13 Unable to work 14 Other Sysmiss P-16 Main Occupation (Sector) P-16 Main Occupation (Sector) P-16 Main Occupation (Sector) P-16 Main Occupation (Sector) P-16 Main Occupation (Sector) Main Occupation (Sector) 1358 664 1 Managers 2 Professionals 3 Professionals 4 Administrative work 5 Services 6 Agriculture 7 Character 8 Skilled workers 9 Unskilled workers in the areas of non-agricultural 10 Workers (day laborers) in the areas of non-agricultural 11 Workers (day laborers) in the areas of agricultural 12 Military 13 Other Sysmiss P-17 Number of family members living in the Household P-17 Number of family members living in the Household P-17 Number of family members living in the Household P-17 Number of family members living in the Household P-17 Number of family members living in the Household Number of family members living in the Household 2006 16 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 20 Sysmiss P-18 Position in Household P-18 Position in Household P-18 Position in Household P-18 Position in Household P-18 Position in Household Position in Household (Definition of Head of Household: "The person who usually lives with the household and is recognized as head of household by its other members. Often he/she is the main decision maker and is responsible for financial support and welfare of the household. For the purpose of the survey, if the household head is not in charge of economic and financial matters within the household, he/ she must be replaced by the member holding that function". 2012 10 1 Head of the family 2 Husband head of the family 3 Son / daughter of head of the family 4 Brother / sister of head of the family 5 Father / mother of head of the family 6 Other Sysmiss A1. As a whole, how satisfied are you with your life nowadays? A1. As a whole, how satisfied are you with your life nowadays? A1. As a whole, how satisfied are you with your life nowadays? A1. As a whole, how satisfied are you with your life nowadays? A1. As a whole, how satisfied are you with your life nowadays? As a whole, how satisfied are you with your life nowadays? 2020 2 1 Very satisfied 2 Satisfied 3 dissatisfied 4 Is strongly dissatisfied 5 I do not know Sysmiss A2. How do you think your life is going to be over the next 12 months? A2. How do you think your life is going to be over the next 12 months? A2. How do you think your life is going to be over the next 12 months? A2. How do you think your life is going to be over the next 12 months? A2. How do you think your life is going to be over the next 12 months? How do you think your life is going to be over the next 12 months? 2019 3 1 Much better 2 Better 3 The same situation 4 Worst 5 Much worse 6 I do not know Sysmiss A3a. Read a national newspaper? A3a. Read a national newspaper? A3a. Read a national newspaper? A3a. Read a national newspaper? A3a. Read a national newspaper? How often do you: Read a national newspaper? 2018 4 1 Daily 2 A few times per week 3 A few times per month 4 Once a month or less 5 No never read the Sysmiss A3b. Listen to the Radio A3b. Listen to the Radio A3b. Listen to the Radio A3b. Listen to the Radio A3b. Listen to the Radio How often do you: Listen to the Radio 2019 3 1 Daily 2 A few times per week 3 A few times per month 4 Once a month or less 5 No never read the Sysmiss A3c. Watch TV A3c. Watch TV A3c. Watch TV A3c. Watch TV A3c. Watch TV How often do you: Watch TV 2020 2 1 Daily 2 A few times per week 3 A few times per month 4 Once a month or less 5 No never read the Sysmiss A4. Do you know how to use a computer? A4. Do you know how to use a computer? A4. Do you know how to use a computer? A4. Do you know how to use a computer? A4. Do you know how to use a computer? Do you know how to use a computer? 2022 1 Yes 2 No A4a. How often do you use the Internet including e-mail (electronic mail) A4a. How often do you use the Internet including e-mail (electronic mail) A4a. How often do you use the Internet including e-mail (electronic mail) A4a. How often do you use the Internet including e-mail (electronic mail) A4a. How often do you use the Internet including e-mail (electronic mail) For those who know to use the computer (Code 1 at A4) How often do you use the Internet including e-mail (electronic mail) 1143 879 1 Daily 2 A few times per week 3 A few times per month 4 Once a month or less 5 Do not use it never Sysmiss B1a. How familiar are you with the Palestinian Monetary Authority B1a. How familiar are you with the Palestinian Monetary Authority B1a. How familiar are you with the Palestinian Monetary Authority B1a. How familiar are you with the Palestinian Monetary Authority B1a. How familiar are you with the Palestinian Monetary Authority How familiar are you with the following institutions? (SHOW CARD WITH CHOICES) Palestinian Monetary Authority 2020 2 1 Very much 2 Much 3 Average 4 A little 5 Very little 6 I do not know Sysmiss B1b. How familiar are you with the Commercial banks B1b. How familiar are you with the Commercial banks B1b. How familiar are you with the Commercial banks B1b. How familiar are you with the Commercial banks B1b. How familiar are you with the Commercial banks How familiar are you with the following institutions? (SHOW CARD WITH CHOICES) Commercial banks 2022 1 Very much 2 Much 3 Average 4 A little 5 Very little 6 I do not know B1c.How familiar are you with the Insurance companies B1c.How familiar are you with the Insurance companies B1c.How familiar are you with the Insurance companies B1c.How familiar are you with the Insurance companies B1c.How familiar are you with the Insurance companies How familiar are you with the following institutions? (SHOW CARD WITH CHOICES) Insurance companies 2021 1 1 Very much 2 Much 3 Average 4 A little 5 Very little 6 I do not know Sysmiss B1d.How familiar are you with the Brokerage houses B1d.How familiar are you with the Brokerage houses B1d.How familiar are you with the Brokerage houses B1d.How familiar are you with the Brokerage houses B1d.How familiar are you with the Brokerage houses How familiar are you with the following institutions? (SHOW CARD WITH CHOICES) Brokerage houses 2020 2 1 Very much 2 Much 3 Average 4 A little 5 Very little 6 I do not know Sysmiss B1e.How familiar are you with the Mutual help / Community based associations B1e.How familiar are you with the Mutual help / Community based associations B1e.How familiar are you with the Mutual help / Community based associations B1e.How familiar are you with the Mutual help / Community based associations B1e.How familiar are you with the Mutual help / Community based associations How familiar are you with the following institutions? (SHOW CARD WITH CHOICES) Mutual help / Community based associations 2018 4 1 Very much 2 Much 3 Average 4 A little 5 Very little 6 I do not know Sysmiss B1f How familiar are you with the Cooperatives B1f How familiar are you with the Cooperatives B1f How familiar are you with the Cooperatives B1f How familiar are you with the Cooperatives B1f How familiar are you with the Cooperatives How familiar are you with the following institutions? (SHOW CARD WITH CHOICES) Cooperatives 2017 5 1 Very much 2 Much 3 Average 4 A little 5 Very little 6 I do not know Sysmiss B1g. How familiar are you with the Leasing companies B1g. How familiar are you with the Leasing companies B1g. How familiar are you with the Leasing companies B1g. How familiar are you with the Leasing companies B1g. How familiar are you with the Leasing companies How familiar are you with the following institutions? (SHOW CARD WITH CHOICES) Leasing companies 2018 4 1 Very much 2 Much 3 Average 4 A little 5 Very little 6 I do not know Sysmiss B1h.How familiar are you with the Other, non-banking financial institutions such B1h.How familiar are you with the Other, non-banking financial institutions such B1h.How familiar are you with the Other, non-banking financial institutions such B1h.How familiar are you with the Other, non-banking financial institutions such B1h.How familiar are you with the Other, non-banking financial institutions such How familiar are you with the following institutions? (SHOW CARD WITH CHOICES) Other, non-banking financial institutions such as microcredit organizations 2018 4 1 Very much 2 Much 3 Average 4 A little 5 Very little 6 I do not know Sysmiss B1i. How familiar are you with the The Consumer Protection Agency B1i. How familiar are you with the The Consumer Protection Agency B1i. How familiar are you with the The Consumer Protection Agency B1i. How familiar are you with the The Consumer Protection Agency B1i. How familiar are you with the The Consumer Protection Agency How familiar are you with the following institutions? (SHOW CARD WITH CHOICES) The Consumer Protection Agency 2020 2 1 Very much 2 Much 3 Average 4 A little 5 Very little 6 I do not know Sysmiss B1j. How familiar are you with the Palestine Capital Markets Authority B1j. How familiar are you with the Palestine Capital Markets Authority B1j. How familiar are you with the Palestine Capital Markets Authority B1j. How familiar are you with the Palestine Capital Markets Authority B1j. How familiar are you with the Palestine Capital Markets Authority How familiar are you with the following institutions? (SHOW CARD WITH CHOICES) Palestine Capital Markets Authority 2017 5 1 Very much 2 Much 3 Average 4 A little 5 Very little 6 I do not know Sysmiss B1k. How familiar are you with the Association of Banks of Palestine B1k. How familiar are you with the Association of Banks of Palestine B1k. How familiar are you with the Association of Banks of Palestine B1k. How familiar are you with the Association of Banks of Palestine B1k. How familiar are you with the Association of Banks of Palestine How familiar are you with the following institutions? (SHOW CARD WITH CHOICES) Industry associations 2020 2 1 Very much 2 Much 3 Average 4 A little 5 Very little 6 I do not know Sysmiss B1l. How familiar are you with the Palestine Insurance Federation B1l. How familiar are you with the Palestine Insurance Federation B1l. How familiar are you with the Palestine Insurance Federation B1l. How familiar are you with the Palestine Insurance Federation B1l. How familiar are you with the Palestine Insurance Federation How familiar are you with the following institutions? (SHOW CARD WITH CHOICES) 2018 4 1 Very much 2 Much 3 Average 4 A little 5 Very little 6 I do not know Sysmiss B1m.How familiar are you with the Money Changers B1m.How familiar are you with the Money Changers B1m.How familiar are you with the Money Changers B1m.How familiar are you with the Money Changers B1m.How familiar are you with the Money Changers How familiar are you with the following institutions? (SHOW CARD WITH CHOICES) Money changers 2021 1 1 Very much 2 Much 3 Average 4 A little 5 Very little 6 I do not know Sysmiss B2a. How much do you trust the Palestinian Monetary Authority B2a. How much do you trust the Palestinian Monetary Authority B2a. How much do you trust the Palestinian Monetary Authority B2a. How much do you trust the Palestinian Monetary Authority B2a. How much do you trust the Palestinian Monetary Authority How much do you trust the following institutions? (SHOW CARD WITH CHOICES) Palestinian Monetary Authority 2019 3 1 Very much 2 Much 3 Average 4 A little 5 Very little 6 I do not know Sysmiss B2b. How much do you trust the Commercial banks B2b. How much do you trust the Commercial banks B2b. How much do you trust the Commercial banks B2b. How much do you trust the Commercial banks B2b. How much do you trust the Commercial banks How much do you trust the following institutions? (SHOW CARD WITH CHOICES) Commercial banks 2019 3 1 Very much 2 Much 3 Average 4 A little 5 Very little 6 I do not know Sysmiss B2c. How much do you trust the Insurance companies B2c. How much do you trust the Insurance companies B2c. How much do you trust the Insurance companies B2c. How much do you trust the Insurance companies B2c. How much do you trust the Insurance companies How much do you trust the following institutions? (SHOW CARD WITH CHOICES) Insurance companies 2020 2 1 Very much 2 Much 3 Average 4 A little 5 Very little 6 I do not know Sysmiss B2d. How much do you trust the Brokerage houses B2d. How much do you trust the Brokerage houses B2d. How much do you trust the Brokerage houses B2d. How much do you trust the Brokerage houses B2d. How much do you trust the Brokerage houses How much do you trust the following institutions? (SHOW CARD WITH CHOICES) Brokerage houses 2016 6 1 Very much 2 Much 3 Average 4 A little 5 Very little 6 I do not know Sysmiss B2e. How much do you trust the Mutual help / Community based associations B2e. How much do you trust the Mutual help / Community based associations B2e. How much do you trust the Mutual help / Community based associations B2e. How much do you trust the Mutual help / Community based associations B2e. How much do you trust the Mutual help / Community based associations How much do you trust the following institutions? (SHOW CARD WITH CHOICES) Mutual help / Community based associations 2018 4 1 Very much 2 Much 3 Average 4 A little 5 Very little 6 I do not know Sysmiss B2f. How much do you trust the Leasing companies B2f. How much do you trust the Leasing companies B2f. How much do you trust the Leasing companies B2f. How much do you trust the Leasing companies B2f. How much do you trust the Leasing companies How much do you trust the following institutions? (SHOW CARD WITH CHOICES) Leasing companies 2009 13 1 Very much 2 Much 3 Average 4 A little 5 Very little 6 I do not know Sysmiss B2g. How much do you trust the Other, non-banking financial institutions such as B2g. How much do you trust the Other, non-banking financial institutions such as B2g. How much do you trust the Other, non-banking financial institutions such as B2g. How much do you trust the Other, non-banking financial institutions such as B2g. How much do you trust the Other, non-banking financial institutions such as How much do you trust the following institutions? (SHOW CARD WITH CHOICES) Other, non-banking financial institutions such as microcredit organizations 2021 1 1 Very much 2 Much 3 Average 4 A little 5 Very little 6 I do not know Sysmiss B2h. How much do you trust the The Consumer Protection Agency B2h. How much do you trust the The Consumer Protection Agency B2h. How much do you trust the The Consumer Protection Agency B2h. How much do you trust the The Consumer Protection Agency B2h. How much do you trust the The Consumer Protection Agency How much do you trust the following institutions? (SHOW CARD WITH CHOICES) The Consumer Protection Agency 2019 3 1 Very much 2 Much 3 Average 4 A little 5 Very little 6 I do not know Sysmiss B3a. Generally, how would you assess the quality of financial services offered by B3a. Generally, how would you assess the quality of financial services offered by B3a. Generally, how would you assess the quality of financial services offered by B3a. Generally, how would you assess the quality of financial services offered by B3a. Generally, how would you assess the quality of financial services offered by Generally, how would you assess the quality of financial services offered by the following institutions (SHOW CARD WITH CHOICES) Commercial banks 2021 1 1 Very good 2 Good 3 Casual 4 Bad 5 Very bad 6 I do not know Sysmiss B3b. Generally, how would you assess the quality of financial services offered by B3b. Generally, how would you assess the quality of financial services offered by B3b. Generally, how would you assess the quality of financial services offered by B3b. Generally, how would you assess the quality of financial services offered by B3b. Generally, how would you assess the quality of financial services offered by Generally, how would you assess the quality of financial services offered by the following institutions (SHOW CARD WITH CHOICES) Palestinian Monetary Authority 2020 2 1 Very good 2 Good 3 Casual 4 Bad 5 Very bad 6 I do not know Sysmiss B3c. Generally, how would you assess the quality of financial services offered by B3c. Generally, how would you assess the quality of financial services offered by B3c. Generally, how would you assess the quality of financial services offered by B3c. Generally, how would you assess the quality of financial services offered by B3c. Generally, how would you assess the quality of financial services offered by Generally, how would you assess the quality of financial services offered by the following institutions (SHOW CARD WITH CHOICES) Insurance companies 2019 3 1 Very good 2 Good 3 Casual 4 Bad 5 Very bad 6 I do not know Sysmiss B3d. Generally, how would you assess the quality of financial services offered by B3d. Generally, how would you assess the quality of financial services offered by B3d. Generally, how would you assess the quality of financial services offered by B3d. Generally, how would you assess the quality of financial services offered by B3d. Generally, how would you assess the quality of financial services offered by Generally, how would you assess the quality of financial services offered by the following institutions (SHOW CARD WITH CHOICES) Mutual help / Community based associations 2013 9 1 Very good 2 Good 3 Casual 4 Bad 5 Very bad 6 I do not know Sysmiss B3e. Generally, how would you assess the quality of financial services offered b B3e. Generally, how would you assess the quality of financial services offered b B3e. Generally, how would you assess the quality of financial services offered b B3e. Generally, how would you assess the quality of financial services offered b B3e. Generally, how would you assess the quality of financial services offered b Generally, how would you assess the quality of financial services offered by the following institutions (SHOW CARD WITH CHOICES) Non-bank financial providers such as microcredit organizations 2022 1 Very good 2 Good 3 Casual 4 Bad 5 Very bad 6 I do not know B3f. Generally, how would you assess the quality of financial services offered by B3f. Generally, how would you assess the quality of financial services offered by B3f. Generally, how would you assess the quality of financial services offered by B3f. Generally, how would you assess the quality of financial services offered by B3f. Generally, how would you assess the quality of financial services offered by Generally, how would you assess the quality of financial services offered by the following institutions (SHOW CARD WITH CHOICES) Informal money lenders (from family, friends, etc) 2018 4 1 Very good 2 Good 3 Casual 4 Bad 5 Very bad 6 I do not know Sysmiss B4a.If a conflict with a financial organization How sure are you in a quick dispu B4a.If a conflict with a financial organization How sure are you in a quick dispu B4a.If a conflict with a financial organization How sure are you in a quick dispu B4a.If a conflict with a financial organization How sure are you in a quick dispu B4a.If a conflict with a financial organization How sure are you in a quick dispu If a conflict with a financial organization (bank, insurance company or the like) arises regarding the provision of financial services to you, how sure are you in the quick and just resolution of the dispute? (SHOW CARD WITH CHOICES) How sure are you in a quick dispute resolution 2019 3 1 I am quite sure 2 Sure 3 Fifty-fifty 4 I'm not sure 5 I am not sure never 6 I do not know Sysmiss B4b.If a conflict with a financial organization How sure are you in a just dispu B4b.If a conflict with a financial organization How sure are you in a just dispu B4b.If a conflict with a financial organization How sure are you in a just dispu B4b.If a conflict with a financial organization How sure are you in a just dispu B4b.If a conflict with a financial organization How sure are you in a just dispu If a conflict with a financial organization (bank, insurance company or the like) arises regarding the provision of financial services to you, how sure are you in the quick and just resolution of the dispute? (SHOW CARD WITH CHOICES) How sure are you in a just dispute resolution 2021 1 1 I am quite sure 2 Sure 3 Fifty-fifty 4 I'm not sure 5 I am not sure never 6 I do not know Sysmiss B5. What factor would be most important for you if you were to open a bank saving B5. What factor would be most important for you if you were to open a bank saving B5. What factor would be most important for you if you were to open a bank saving B5. What factor would be most important for you if you were to open a bank saving B5. What factor would be most important for you if you were to open a bank saving What factor would be most important for you if you were to open a bank savings account? (SHOW CARD WITH CHOICES) 2021 1 1 The bank's reputation 2 Proximity 3 Treatment of staff of the Bank to me 4 The amount of savings and the interest rate and costs 5 Gifts and promotional campaigns 6 I do not know Sysmiss B6. What factor would be most important for you if you were to take out a loan fr B6. What factor would be most important for you if you were to take out a loan fr B6. What factor would be most important for you if you were to take out a loan fr B6. What factor would be most important for you if you were to take out a loan fr B6. What factor would be most important for you if you were to take out a loan fr What factor would be most important for you if you were to take out a loan from a bank? (SHOW CARD WITH CHOICES) 2021 1 1 The bank's reputation 2 Proximity 3 Treatment of staff of the Bank to me 4 The amount of savings and the interest rate and costs 5 Gifts and promotional campaigns 6 I do not know Sysmiss C1a.What trends from the ones given below do you follow personally?Changes in the C1a.What trends from the ones given below do you follow personally?Changes in the C1a.What trends from the ones given below do you follow personally?Changes in the C1a.What trends from the ones given below do you follow personally?Changes in the C1a.What trends from the ones given below do you follow personally?Changes in the What trends from the ones given below do you follow personally? Changes in the property market 2021 1 1 Yes 2 No Sysmiss C1b.What trends from the ones given below do you follow personally?Changes of quo C1b.What trends from the ones given below do you follow personally?Changes of quo C1b.What trends from the ones given below do you follow personally?Changes of quo C1b.What trends from the ones given below do you follow personally?Changes of quo C1b.What trends from the ones given below do you follow personally?Changes of quo What trends from the ones given below do you follow personally? Changes of quotations and indices in the capital market 2022 1 Yes 2 No C1c.What trends from the ones given below do you follow personally?Changes of int C1c.What trends from the ones given below do you follow personally?Changes of int C1c.What trends from the ones given below do you follow personally?Changes of int C1c.What trends from the ones given below do you follow personally?Changes of int C1c.What trends from the ones given below do you follow personally?Changes of int What trends from the ones given below do you follow personally? Changes of interest rates on deposits 2019 3 1 Yes 2 No Sysmiss C1d. What trends from the ones given below do you follow personally?Changes of in C1d. What trends from the ones given below do you follow personally?Changes of in C1d. What trends from the ones given below do you follow personally?Changes of in C1d. What trends from the ones given below do you follow personally?Changes of in C1d. What trends from the ones given below do you follow personally?Changes of in What trends from the ones given below do you follow personally? Changes of interest rates on credits 2020 2 1 Yes 2 No Sysmiss C1e. What trends from the ones given below do you follow personally?Changes in th C1e. What trends from the ones given below do you follow personally?Changes in th C1e. What trends from the ones given below do you follow personally?Changes in th C1e. What trends from the ones given below do you follow personally?Changes in th C1e. What trends from the ones given below do you follow personally?Changes in th What trends from the ones given below do you follow personally? Changes in the inflation rate 2019 3 1 Yes 2 No Sysmiss C1f.What trends from the ones given below do you follow personally?Changes in the C1f.What trends from the ones given below do you follow personally?Changes in the C1f.What trends from the ones given below do you follow personally?Changes in the C1f.What trends from the ones given below do you follow personally?Changes in the C1f.What trends from the ones given below do you follow personally?Changes in the What trends from the ones given below do you follow personally? Changes in the level of public pensions, benefits and tax exemptions 2019 3 1 Yes 2 No Sysmiss C1g.What trends from the ones given below do you follow personally?Price fluctuat C1g.What trends from the ones given below do you follow personally?Price fluctuat C1g.What trends from the ones given below do you follow personally?Price fluctuat C1g.What trends from the ones given below do you follow personally?Price fluctuat C1g.What trends from the ones given below do you follow personally?Price fluctuat What trends from the ones given below do you follow personally? Price fluctuations for oil, gold, metals, etc. 2017 5 1 Yes 2 No Sysmiss C2a.What is your main source of information in Changes in the property market C2a.What is your main source of information in Changes in the property market C2a.What is your main source of information in Changes in the property market C2a.What is your main source of information in Changes in the property market C2a.What is your main source of information in Changes in the property market What is your main source of information: Changes in the property market 383 1639 1 Advertisment 2 news papere,TV, 3 websites 4 Banks emplooies 5 Counsultants 6 Freinds Sysmiss C2b.What is your main source of information in Changes of quotations and indices C2b.What is your main source of information in Changes of quotations and indices C2b.What is your main source of information in Changes of quotations and indices C2b.What is your main source of information in Changes of quotations and indices C2b.What is your main source of information in Changes of quotations and indices What is your main source of information: Changes of quotations and indices in the capital market 290 1732 1 Advertisment 2 news papere,TV, 3 websites 4 Banks emplooies 5 Counsultants 6 Freinds Sysmiss C2c.What is your main source of information in Changes of interest rates on depos C2c.What is your main source of information in Changes of interest rates on depos C2c.What is your main source of information in Changes of interest rates on depos C2c.What is your main source of information in Changes of interest rates on depos C2c.What is your main source of information in Changes of interest rates on depos What is your main source of information: Changes of interest rates on deposits 254 1768 1 Advertisment 2 news papere,TV, 3 websites 4 Banks emplooies 5 Counsultants 6 Freinds Sysmiss C2d. What is your main source of information in Changes of interest rates on cred C2d. What is your main source of information in Changes of interest rates on cred C2d. What is your main source of information in Changes of interest rates on cred C2d. What is your main source of information in Changes of interest rates on cred C2d. What is your main source of information in Changes of interest rates on cred What is your main source of information: Changes of interest rates on credits 317 1705 1 Advertisment 2 news papere,TV, 3 websites 4 Banks emplooies 5 Counsultants 6 Freinds Sysmiss C2e. What is your main source of information in Changes in the inflation rate C2e. What is your main source of information in Changes in the inflation rate C2e. What is your main source of information in Changes in the inflation rate C2e. What is your main source of information in Changes in the inflation rate C2e. What is your main source of information in Changes in the inflation rate What is your main source of information: Changes in the inflation rate 530 1492 1 Advertisment 2 news papere,TV, 3 websites 4 Banks emplooies 5 Counsultants 6 Freinds Sysmiss C2f.What is your main source of information in Changes in the level of public pen C2f.What is your main source of information in Changes in the level of public pen C2f.What is your main source of information in Changes in the level of public pen C2f.What is your main source of information in Changes in the level of public pen C2f.What is your main source of information in Changes in the level of public pen What is your main source of information: Changes in the level of public pensions, benefits and tax exemptions 684 1338 1 Advertisment 2 news papere,TV, 3 websites 4 Banks emplooies 5 Counsultants 6 Freinds Sysmiss C2g.What is your main source of information in Price fluctuations for oil, gold, C2g.What is your main source of information in Price fluctuations for oil, gold, C2g.What is your main source of information in Price fluctuations for oil, gold, C2g.What is your main source of information in Price fluctuations for oil, gold, C2g.What is your main source of information in Price fluctuations for oil, gold, What is your main source of information: Price fluctuations for oil, gold, metals, etc. 1088 934 1 Advertisment 2 news papere,TV, 3 websites 4 Banks emplooies 5 Counsultants 6 Freinds Sysmiss C3. Do you know that the Institution of the Ombudsmen for Consumer Protection exi C3. Do you know that the Institution of the Ombudsmen for Consumer Protection exi C3. Do you know that the Institution of the Ombudsmen for Consumer Protection exi C3. Do you know that the Institution of the Ombudsmen for Consumer Protection exi C3. Do you know that the Institution of the Ombudsmen for Consumer Protection exi Do you know that the Institution of the Ombudsmen for Consumer Protection exists? 2008 14 1 Yes 2 No 3 I do not know Sysmiss C4a. During the last 12 months, how many personal contacts or contacts through ph C4a. During the last 12 months, how many personal contacts or contacts through ph C4a. During the last 12 months, how many personal contacts or contacts through ph C4a. During the last 12 months, how many personal contacts or contacts through ph C4a. During the last 12 months, how many personal contacts or contacts through ph During the last 12 months, how many personal contacts or contacts through phone have you had with bank officers or bankers? 2020 2 1 Daily 2 A few times per week 3 A few times per month 4 Once a month or less 5 Did not call, never Sysmiss C4b.During the last 12 months, how many personal contacts or contacts through pho C4b.During the last 12 months, how many personal contacts or contacts through pho C4b.During the last 12 months, how many personal contacts or contacts through pho C4b.During the last 12 months, how many personal contacts or contacts through pho C4b.During the last 12 months, how many personal contacts or contacts through pho During the last 12 months, how many personal contacts or contacts through phone have you had with representatives of insurance companies / private pension fund? 2020 2 1 Daily 2 A few times per week 3 A few times per month 4 Once a month or less 5 Did not call, never Sysmiss C4c. During the last 12 months, how many personal contacts or contacts through ph C4c. During the last 12 months, how many personal contacts or contacts through ph C4c. During the last 12 months, how many personal contacts or contacts through ph C4c. During the last 12 months, how many personal contacts or contacts through ph C4c. During the last 12 months, how many personal contacts or contacts through ph During the last 12 months, how many personal contacts or contacts through phone have you had with representatives of the brokerage houses? 2020 2 1 Daily 2 A few times per week 3 A few times per month 4 Once a month or less 5 Did not call, never Sysmiss C4d. During the last 12 months, how many personal contacts or contacts through ph C4d. During the last 12 months, how many personal contacts or contacts through ph C4d. During the last 12 months, how many personal contacts or contacts through ph C4d. During the last 12 months, how many personal contacts or contacts through ph C4d. During the last 12 months, how many personal contacts or contacts through ph During the last 12 months, how many personal contacts or contacts through phone have you had withindependent financial advisers or brokers ? 2021 1 1 Daily 2 A few times per week 3 A few times per month 4 Once a month or less 5 Did not call, never Sysmiss C4e. During the last 12 months, how many personal contacts or contacts through ph C4e. During the last 12 months, how many personal contacts or contacts through ph C4e. During the last 12 months, how many personal contacts or contacts through ph C4e. During the last 12 months, how many personal contacts or contacts through ph C4e. During the last 12 months, how many personal contacts or contacts through ph During the last 12 months, how many personal contacts or contacts through phone have you had with representatives of a non-banking financial institution , such as microcredit organizations? 2021 1 1 Daily 2 A few times per week 3 A few times per month 4 Once a month or less 5 Did not call, never Sysmiss C4f. During the last 12 months, how many personal contacts or contacts through ph C4f. During the last 12 months, how many personal contacts or contacts through ph C4f. During the last 12 months, how many personal contacts or contacts through ph C4f. During the last 12 months, how many personal contacts or contacts through ph C4f. During the last 12 months, how many personal contacts or contacts through ph During the last 12 months, how many personal contacts or contacts through phone have you had with members of your mutual help / community association ? 2019 3 1 Daily 2 A few times per week 3 A few times per month 4 Once a month or less 5 Did not call, never Sysmiss C4g. During the last 12 months, how many personal contacts or contacts through ph C4g. During the last 12 months, how many personal contacts or contacts through ph C4g. During the last 12 months, how many personal contacts or contacts through ph C4g. During the last 12 months, how many personal contacts or contacts through ph C4g. During the last 12 months, how many personal contacts or contacts through ph During the last 12 months, how many personal contacts or contacts through phone have you had with Informal money lenders? 2017 5 1 Daily 2 A few times per week 3 A few times per month 4 Once a month or less 5 Did not call, never Sysmiss C5. When you meet your relatives, colleagues, friends, how often do you talk abou C5. When you meet your relatives, colleagues, friends, how often do you talk abou C5. When you meet your relatives, colleagues, friends, how often do you talk abou C5. When you meet your relatives, colleagues, friends, how often do you talk abou C5. When you meet your relatives, colleagues, friends, how often do you talk abou When you meet your relatives, colleagues, friends, how often do you talk about financial institutions and services? 2005 17 1 Daily 2 A few times per week 3 A few times per month 4 Once a month or less 5 I'm not talking about it never Sysmiss C6a.do you see as the most suitable for delivering financial literacy programs in C6a.do you see as the most suitable for delivering financial literacy programs in C6a.do you see as the most suitable for delivering financial literacy programs in C6a.do you see as the most suitable for delivering financial literacy programs in C6a.do you see as the most suitable for delivering financial literacy programs in Which of the following organizations do you see as the most suitable for delivering financial literacy programs in your area? A commercial bank (SHOW CARD WITH CHOICES) Multiple Answers 2022 1 Yes 2 No C6b .do you see as the most suitable for delivering financial literacy programs i C6b .do you see as the most suitable for delivering financial literacy programs i C6b .do you see as the most suitable for delivering financial literacy programs i C6b .do you see as the most suitable for delivering financial literacy programs i C6b .do you see as the most suitable for delivering financial literacy programs i Which of the following organizations do you see as the most suitable for delivering financial literacy programs in your area? Insurance companies (SHOW CARD WITH CHOICES) Multiple Answers 2022 1 Yes 2 No C6c.do you see as the most suitable for delivering financial literacy programs in C6c.do you see as the most suitable for delivering financial literacy programs in C6c.do you see as the most suitable for delivering financial literacy programs in C6c.do you see as the most suitable for delivering financial literacy programs in C6c.do you see as the most suitable for delivering financial literacy programs in Which of the following organizations do you see as the most suitable for delivering financial literacy programs in your area? Unit investment funds (management companies) (SHOW CARD WITH CHOICES) Multiple Answers 2022 1 Yes 2 No C6d.do you see as the most suitable for delivering financial literacy programs in C6d.do you see as the most suitable for delivering financial literacy programs in C6d.do you see as the most suitable for delivering financial literacy programs in C6d.do you see as the most suitable for delivering financial literacy programs in C6d.do you see as the most suitable for delivering financial literacy programs in Which of the following organizations do you see as the most suitable for delivering financial literacy programs in your area? Non-government organizations or public (SHOW CARD WITH CHOICES) Multiple Answers 2022 1 Yes 2 No C6e.do you see as the most suitable for delivering financial literacy programs in C6e.do you see as the most suitable for delivering financial literacy programs in C6e.do you see as the most suitable for delivering financial literacy programs in C6e.do you see as the most suitable for delivering financial literacy programs in C6e.do you see as the most suitable for delivering financial literacy programs in Which of the following organizations do you see as the most suitable for delivering financial literacy programs in your area? Organizations involved in consumer rights protection (SHOW CARD WITH CHOICES) Multiple Answers 2022 1 Yes 2 No C6f. do you see as the most suitable for delivering financial literacy programs i C6f. do you see as the most suitable for delivering financial literacy programs i C6f. do you see as the most suitable for delivering financial literacy programs i C6f. do you see as the most suitable for delivering financial literacy programs i C6f. do you see as the most suitable for delivering financial literacy programs i Which of the following organizations do you see as the most suitable for delivering financial literacy programs in your area? Government entities regulating these markets (SHOW CARD WITH CHOICES) Multiple Answers 2022 1 Yes 2 No C6g. do you see as the most suitable for delivering financial literacy programs i C6g. do you see as the most suitable for delivering financial literacy programs i C6g. do you see as the most suitable for delivering financial literacy programs i C6g. do you see as the most suitable for delivering financial literacy programs i C6g. do you see as the most suitable for delivering financial literacy programs i Which of the following organizations do you see as the most suitable for delivering financial literacy programs in your area? Higher education institutions of economic and financial profile (SHOW CARD WITH CHOICES) Multiple Answers 2022 1 Yes 2 No C6h. do you see as the most suitable for delivering financial literacy programs i C6h. do you see as the most suitable for delivering financial literacy programs i C6h. do you see as the most suitable for delivering financial literacy programs i C6h. do you see as the most suitable for delivering financial literacy programs i C6h. do you see as the most suitable for delivering financial literacy programs i Which of the following organizations do you see as the most suitable for delivering financial literacy programs in your area? Independent financial consultants (SHOW CARD WITH CHOICES) Multiple Answers 2022 1 Yes 2 No C6i. do you see as the most suitable for delivering financial literacy programs C6i. do you see as the most suitable for delivering financial literacy programs C6i. do you see as the most suitable for delivering financial literacy programs C6i. do you see as the most suitable for delivering financial literacy programs C6i. do you see as the most suitable for delivering financial literacy programs Which of the following organizations do you see as the most suitable for delivering financial literacy programs in your area? Mass media (journalists and TV presenters) (SHOW CARD WITH CHOICES) Multiple Answers 2022 1 Yes 2 No C6j. do you see as the most suitable for delivering financial literacy programs i C6j. do you see as the most suitable for delivering financial literacy programs i C6j. do you see as the most suitable for delivering financial literacy programs i C6j. do you see as the most suitable for delivering financial literacy programs i C6j. do you see as the most suitable for delivering financial literacy programs i Which of the following organizations do you see as the most suitable for delivering financial literacy programs in your area? Don't know (SHOW CARD WITH CHOICES) Multiple Answers 2022 1 Yes 2 No C6k. do you see as the most suitable for delivering financial literacy programs i C6k. do you see as the most suitable for delivering financial literacy programs i C6k. do you see as the most suitable for delivering financial literacy programs i C6k. do you see as the most suitable for delivering financial literacy programs i C6k. do you see as the most suitable for delivering financial literacy programs i Which of the following organizations do you see as the most suitable for delivering financial literacy programs in your area? Other (SHOW CARD WITH CHOICES) Multiple Answers 2022 1 Yes 2 No C6k. do you see as the most suitable for delivering financial literacy programs i C6k. do you see as the most suitable for delivering financial literacy programs i C6k. do you see as the most suitable for delivering financial literacy programs i C6k. do you see as the most suitable for delivering financial literacy programs i C6k. do you see as the most suitable for delivering financial literacy programs i Which of the following organizations do you see as the most suitable for delivering financial literacy programs in your area? Other (SHOW CARD WITH CHOICES) Multiple Answers 20 1.00 Ãí ÍÏÇ ÇáãÄÓÓÇÊ ÇáÛíÑ ÑÈÍíÉ æÇáÇÌÊãÇÚíÉ ÓáØÉÇáäÞÏ Úä ØÑíÞ ÌãÚíÇÊ ÇÊÍÇÏ ÇáãÑÇÉ ßá ÇáãÄÓÓÇÊ ÇáãÇáíÉ áÇ ÇåÊã ÈÇáÎÏãÇÊ ÇáãÇáíÉ áÇ íÚØæÇ ÅáÇ ááØáÇÈ áÇ íæÌÏ ÌåÉ ãÎÊÕÉ ãä ÈÚÖ ÇáÇÕÏÞÇÁ æßÇáÉ ÇáÛæË C7a. How to form one’s own financial targets and draw a personal current financia C7a. How to form one’s own financial targets and draw a personal current financia C7a. How to form one’s own financial targets and draw a personal current financia C7a. How to form one’s own financial targets and draw a personal current financia C7a. How to form one’s own financial targets and draw a personal current financia Which of the following aspects of managing personal finances do you believe should necessarily be part of a financial training course for people...? How to form one's own financial targets and draw a personal current financial plan or budget READ THE OPTIONS 2012 10 1 Yes 2 No 3 I do not know Sysmiss C7b. How to manage debt C7b. How to manage debt C7b. How to manage debt C7b. How to manage debt C7b. How to manage debt Which of the following aspects of managing personal finances do you believe should necessarily be part of a financial training course for people...? How to manage debt READ THE OPTIONS 2015 7 1 Yes 2 No 3 I do not know Sysmiss C7c. How to plan purchases of durables (car, house) C7c. How to plan purchases of durables (car, house) C7c. How to plan purchases of durables (car, house) C7c. How to plan purchases of durables (car, house) C7c. How to plan purchases of durables (car, house) Which of the following aspects of managing personal finances do you believe should necessarily be part of a financial training course for people...? How to plan purchases of durables (car, house) READ THE OPTIONS 2011 11 1 Yes 2 No 3 I do not know Sysmiss C7d. How does the pension scheme work and what methods are available to secure on C7d. How does the pension scheme work and what methods are available to secure on C7d. How does the pension scheme work and what methods are available to secure on C7d. How does the pension scheme work and what methods are available to secure on C7d. How does the pension scheme work and what methods are available to secure on Which of the following aspects of managing personal finances do you believe should necessarily be part of a financial training course for people...? How does the pension scheme work and what methods are available to secure one's old age income READ THE OPTIONS 2014 8 1 Yes 2 No 3 I do not know Sysmiss C7e. Banking services – current accounts, saving deposits, and plastic cards C7e. Banking services – current accounts, saving deposits, and plastic cards C7e. Banking services – current accounts, saving deposits, and plastic cards C7e. Banking services – current accounts, saving deposits, and plastic cards C7e. Banking services – current accounts, saving deposits, and plastic cards Which of the following aspects of managing personal finances do you believe should necessarily be part of a financial training course for people...? Banking services - current accounts, saving deposits, and plastic cards READ THE OPTIONS 2016 6 1 Yes 2 No 3 I do not know Sysmiss C7f. Consumer credits to purchase goods and services C7f. Consumer credits to purchase goods and services C7f. Consumer credits to purchase goods and services C7f. Consumer credits to purchase goods and services C7f. Consumer credits to purchase goods and services Which of the following aspects of managing personal finances do you believe should necessarily be part of a financial training course for people...? Consumer credits to purchase goods and services READ THE OPTIONS 2016 6 1 Yes 2 No 3 I do not know Sysmiss C7g. Mortgage loans C7g. Mortgage loans C7g. Mortgage loans C7g. Mortgage loans C7g. Mortgage loans Which of the following aspects of managing personal finances do you believe should necessarily be part of a financial training course for people...? Mortgage loans READ THE OPTIONS 2012 10 1 Yes 2 No 3 I do not know Sysmiss C7h. Insurance and insurance products C7h. Insurance and insurance products C7h. Insurance and insurance products C7h. Insurance and insurance products C7h. Insurance and insurance products Which of the following aspects of managing personal finances do you believe should necessarily be part of a financial training course for people...? Insurance and insurance products READ THE OPTIONS 2012 10 1 Yes 2 No 3 I do not know Sysmiss C7i. Private pension funds C7i. Private pension funds C7i. Private pension funds C7i. Private pension funds C7i. Private pension funds Which of the following aspects of managing personal finances do you believe should necessarily be part of a financial training course for people...? Private pension funds READ THE OPTIONS 2012 10 1 Yes 2 No 3 I do not know Sysmiss C7j. Capital markets, stock and unit fund shares C7j. Capital markets, stock and unit fund shares C7j. Capital markets, stock and unit fund shares C7j. Capital markets, stock and unit fund shares C7j. Capital markets, stock and unit fund shares Which of the following aspects of managing personal finances do you believe should necessarily be part of a financial training course for people...? Capital markets, stock and unit fund shares READ THE OPTIONS 2011 11 1 Yes 2 No 3 I do not know Sysmiss C7k. How to interpret and differentiate financial advertising information C7k. How to interpret and differentiate financial advertising information C7k. How to interpret and differentiate financial advertising information C7k. How to interpret and differentiate financial advertising information C7k. How to interpret and differentiate financial advertising information Which of the following aspects of managing personal finances do you believe should necessarily be part of a financial training course for people...? How to interpret and differentiate financial advertising information READ THE OPTIONS 2005 17 1 Yes 2 No 3 I do not know Sysmiss C7l. What parameters are used to compare the services offered by banks and other C7l. What parameters are used to compare the services offered by banks and other C7l. What parameters are used to compare the services offered by banks and other C7l. What parameters are used to compare the services offered by banks and other C7l. What parameters are used to compare the services offered by banks and other Which of the following aspects of managing personal finances do you believe should necessarily be part of a financial training course for people...? What parameters are used to compare the services offered by banks and other financial companies READ THE OPTIONS 2013 9 1 Yes 2 No 3 I do not know Sysmiss C7m. What consumer rights protection laws are available and what one needs to do C7m. What consumer rights protection laws are available and what one needs to do C7m. What consumer rights protection laws are available and what one needs to do C7m. What consumer rights protection laws are available and what one needs to do C7m. What consumer rights protection laws are available and what one needs to do Which of the following aspects of managing personal finances do you believe should necessarily be part of a financial training course for people...? What consumer rights protection laws are available and what one needs to do when one's consumer rights are violated READ THE OPTIONS 2015 7 1 Yes 2 No 3 I do not know Sysmiss C7n. What information should a user pay attention to when signing a contract with C7n. What information should a user pay attention to when signing a contract with C7n. What information should a user pay attention to when signing a contract with C7n. What information should a user pay attention to when signing a contract with C7n. What information should a user pay attention to when signing a contract with Which of the following aspects of managing personal finances do you believe should necessarily be part of a financial training course for people...? What information should a user pay attention to when signing a contract with a bank or another financial company READ THE OPTIONS 2013 9 1 Yes 2 No 3 I do not know Sysmiss C8 How often do you compare the terms and conditions for provision of financial s C8 How often do you compare the terms and conditions for provision of financial s C8 How often do you compare the terms and conditions for provision of financial s C8 How often do you compare the terms and conditions for provision of financial s C8 How often do you compare the terms and conditions for provision of financial s How often do you compare the terms and conditions for provision of financial services by various companies before you sign a contract for such a service? 2010 12 1 Always 2 Sometimes 3 Rarely 4 Does not undertake to 5 I do not use any financial services 6 I do not know Sysmiss C9a. sources of information do you pay attention to when choosing a company to bu C9a. sources of information do you pay attention to when choosing a company to bu C9a. sources of information do you pay attention to when choosing a company to bu C9a. sources of information do you pay attention to when choosing a company to bu C9a. sources of information do you pay attention to when choosing a company to bu What sources of information do you pay attention to when choosing a company to buy a service from? Advertisements Multiple Answers 2022 1 Yes 2 No C9b. sources of information do you pay attention to when choosing a company to bu C9b. sources of information do you pay attention to when choosing a company to bu C9b. sources of information do you pay attention to when choosing a company to bu C9b. sources of information do you pay attention to when choosing a company to bu C9b. sources of information do you pay attention to when choosing a company to bu What sources of information do you pay attention to when choosing a company to buy a service from? Information materials of financial companies on their tariffs and services of various types Multiple Answers 2022 1 Yes 2 No C9c. sources of information do you pay attention to when choosing a company to bu C9c. sources of information do you pay attention to when choosing a company to bu C9c. sources of information do you pay attention to when choosing a company to bu C9c. sources of information do you pay attention to when choosing a company to bu C9c. sources of information do you pay attention to when choosing a company to bu What sources of information do you pay attention to when choosing a company to buy a service from? Advice of consultants working for providers of a required service Multiple Answers 2022 1 Yes 2 No C9d.sources of information do you pay attention to when choosing a company to buy C9d.sources of information do you pay attention to when choosing a company to buy C9d.sources of information do you pay attention to when choosing a company to buy C9d.sources of information do you pay attention to when choosing a company to buy C9d.sources of information do you pay attention to when choosing a company to buy What sources of information do you pay attention to when choosing a company to buy a service from? Recommendations of independent financial consultants or brokers Multiple Answers 2022 1 Yes 2 No C9e. sources of information do you pay attention to when choosing a company to bu C9e. sources of information do you pay attention to when choosing a company to bu C9e. sources of information do you pay attention to when choosing a company to bu C9e. sources of information do you pay attention to when choosing a company to bu C9e. sources of information do you pay attention to when choosing a company to bu What sources of information do you pay attention to when choosing a company to buy a service from? Analytical materials published in mass media Multiple Answers 2022 1 Yes 2 No C9f. sources of information do you pay attention to when choosing a company to bu C9f. sources of information do you pay attention to when choosing a company to bu C9f. sources of information do you pay attention to when choosing a company to bu C9f. sources of information do you pay attention to when choosing a company to bu C9f. sources of information do you pay attention to when choosing a company to bu What sources of information do you pay attention to when choosing a company to buy a service from? Employer's advice Multiple Answers 2022 1 Yes 2 No C9g.sources of information do you pay attention to when choosing a company to buy C9g.sources of information do you pay attention to when choosing a company to buy C9g.sources of information do you pay attention to when choosing a company to buy C9g.sources of information do you pay attention to when choosing a company to buy C9g.sources of information do you pay attention to when choosing a company to buy What sources of information do you pay attention to when choosing a company to buy a service from? Advice of friends and relatives Multiple Answers 2022 1 Yes 2 No C9h. sources of information do you pay attention to when choosing a company to b C9h. sources of information do you pay attention to when choosing a company to b C9h. sources of information do you pay attention to when choosing a company to b C9h. sources of information do you pay attention to when choosing a company to b C9h. sources of information do you pay attention to when choosing a company to b What sources of information do you pay attention to when choosing a company to buy a service from? Internet forums and blogs Multiple Answers 2022 1 Yes 2 No C9i. sources of information do you pay attention to when choosing a company to b C9i. sources of information do you pay attention to when choosing a company to b C9i. sources of information do you pay attention to when choosing a company to b C9i. sources of information do you pay attention to when choosing a company to b C9i. sources of information do you pay attention to when choosing a company to b What sources of information do you pay attention to when choosing a company to buy a service from? Don't know Multiple Answers 2022 1 Yes 2 No C9j. sources of information do you pay attention to when choosing a company to C9j. sources of information do you pay attention to when choosing a company to C9j. sources of information do you pay attention to when choosing a company to C9j. sources of information do you pay attention to when choosing a company to C9j. sources of information do you pay attention to when choosing a company to What sources of information do you pay attention to when choosing a company to buy a service from? Other Multiple Answers 2022 1 Yes 2 No C9j. sources of information do you pay attention to when choosing a company to b C9j. sources of information do you pay attention to when choosing a company to b C9j. sources of information do you pay attention to when choosing a company to b C9j. sources of information do you pay attention to when choosing a company to b C9j. sources of information do you pay attention to when choosing a company to b What sources of information do you pay attention to when choosing a company to buy a service from? Other Multiple Answers 8 ÚÑÖ Úáì ÚÞáí áÇ ÃËÞ ÈÃÍÏ áÇ ÇÊÚÇãá ãÚ ÇáãÄÓÓÇÊ ÇáãÇáíÉ áÇ ÇØáÚ Úáì åÐå ÇáÇãæÑ áÇ äÓÊÔíÑ ÃÍÏ áÇ íæÌÏ ãä ÎáÇá ÇáãÄÓÓÉ äÝÓåÇ D1. How would you assess the level of your financial literacy? D1. How would you assess the level of your financial literacy? D1. How would you assess the level of your financial literacy? D1. How would you assess the level of your financial literacy? D1. How would you assess the level of your financial literacy? How would you assess the level of your financial literacy? (SHOW CARD WITH CHOICES) 2020 2 1 Knowledge and skills of an excellent 2 Knowledge and skills of good 3 Knowledge and skills of acceptable 4 Knowledge and skills is acceptable 5 I do not have the knowledge or skills 6 I do not know Sysmiss D2. Let’s assume that you deposited NIS 10,000 in a bank account at 8% annual int D2. Let’s assume that you deposited NIS 10,000 in a bank account at 8% annual int D2. Let’s assume that you deposited NIS 10,000 in a bank account at 8% annual int D2. Let’s assume that you deposited NIS 10,000 in a bank account at 8% annual int D2. Let’s assume that you deposited NIS 10,000 in a bank account at 8% annual int Let's assume that you deposited NIS 10,000 in a bank account at 8% annual interest rate. How much money will you have in your account in 2 years if you do not withdraw from or add to this account any money? 2021 1 1 More than 10,800 shekels 2 More than 10,800 shekels 3 Less than 10,800 shekels 4 I do not know Sysmiss D3. Let’s assume that in 2012 your income is twice as now, and the consumer price D3. Let’s assume that in 2012 your income is twice as now, and the consumer price D3. Let’s assume that in 2012 your income is twice as now, and the consumer price D3. Let’s assume that in 2012 your income is twice as now, and the consumer price D3. Let’s assume that in 2012 your income is twice as now, and the consumer price Let's assume that in 2012 your income is twice as now, and the consumer prices also grow twofold. Do you think that in 2012 you will be able to buy more, less, or the same amount of goods and services as today? 2017 5 1 More 2 The same thing 3 Less 4 I do not know Sysmiss D4. Let’s assume that you saw a TV-set of the same model on sales in two differen D4. Let’s assume that you saw a TV-set of the same model on sales in two differen D4. Let’s assume that you saw a TV-set of the same model on sales in two differen D4. Let’s assume that you saw a TV-set of the same model on sales in two differen D4. Let’s assume that you saw a TV-set of the same model on sales in two differen Let's assume that you saw a TV-set of the same model on sales in two different shops. The initial retail price of it was NIS 1,000. One shop offered a discount of NIS 150, while the other one offered a 10% discount. Which one is a better bargain - a discount of NIS 150 or 10%? 2013 9 1 Discount 150 shekels 2 The same thing 3 10% discount 4 I do not know Sysmiss D5. Ali recently bought accident insurance with NIS 10,000 cover. The next day, h D5. Ali recently bought accident insurance with NIS 10,000 cover. The next day, h D5. Ali recently bought accident insurance with NIS 10,000 cover. The next day, h D5. Ali recently bought accident insurance with NIS 10,000 cover. The next day, h D5. Ali recently bought accident insurance with NIS 10,000 cover. The next day, h Ali recently bought accident insurance with NIS 10,000 cover. The next day, he met with an accident and had to be hospitalized. He incurred NIS 5,000 in hospital fees. How much do you think the medical insurance policy will pay for? 2018 4 1 10 000 shekels 2 5000 shekels 3 I do not know Sysmiss D6. Ali recently borrowed some money from a local moneylender. He wanted to buy s D6. Ali recently borrowed some money from a local moneylender. He wanted to buy s D6. Ali recently borrowed some money from a local moneylender. He wanted to buy s D6. Ali recently borrowed some money from a local moneylender. He wanted to buy s D6. Ali recently borrowed some money from a local moneylender. He wanted to buy s Ali recently borrowed some money from a local moneylender. He wanted to buy some clothes for his children for Eid (festival). Do you think this is a productive loan? 2012 10 1 Yes 2 No 3 I do not know Sysmiss D7. Ali does plastering on tall buildings. It is a dangerous job and he is worrie D7. Ali does plastering on tall buildings. It is a dangerous job and he is worrie D7. Ali does plastering on tall buildings. It is a dangerous job and he is worrie D7. Ali does plastering on tall buildings. It is a dangerous job and he is worrie D7. Ali does plastering on tall buildings. It is a dangerous job and he is worrie Ali does plastering on tall buildings. It is a dangerous job and he is worried that if he gets injured his family's income will become inadequate to meet their needs. If Ali comes to you for advice what would you suggest? 2019 3 1 To work in another job 2 Buy life insurance 3 Increased savings Sysmiss D8. Laila has a very bright child who is currently in secondary school, but will D8. Laila has a very bright child who is currently in secondary school, but will D8. Laila has a very bright child who is currently in secondary school, but will D8. Laila has a very bright child who is currently in secondary school, but will D8. Laila has a very bright child who is currently in secondary school, but will Laila has a very bright child who is currently in secondary school, but will probably do well in university. She is worried how her family will pay for the child's education. If Laila comes to you for advice, out of the following options, which would you suggest? (Read options) 2019 3 1 Buy life insurance for her son 2 Open a savings account in the bank 3 To leave her son's education 4 None of this Sysmiss D9. Laila has two sons. Her husband and two sons are earning members of the house D9. Laila has two sons. Her husband and two sons are earning members of the house D9. Laila has two sons. Her husband and two sons are earning members of the house D9. Laila has two sons. Her husband and two sons are earning members of the house D9. Laila has two sons. Her husband and two sons are earning members of the house Laila has two sons. Her husband and two sons are earning members of the household and contribute towards household income. However, Laila does not know what is the household's total income and expenditure. How do you think Laila can track her income and expenditure? 2018 4 1 Open a savings account in the bank 2 Develop a budget for your family 3 Buy life insurance for her children and her husband 4 I do not know Sysmiss D10. Suppose I have a savings account in a bank and the bank closes down for some D10. Suppose I have a savings account in a bank and the bank closes down for some D10. Suppose I have a savings account in a bank and the bank closes down for some D10. Suppose I have a savings account in a bank and the bank closes down for some D10. Suppose I have a savings account in a bank and the bank closes down for some Suppose I have a savings account in a bank and the bank closes down for some reason, will I get my money back? 1978 44 1 Yes 2 No 3 i do not know Sysmiss D11. In which of the following cases it is appropriate for the government to comp D11. In which of the following cases it is appropriate for the government to comp D11. In which of the following cases it is appropriate for the government to comp D11. In which of the following cases it is appropriate for the government to comp D11. In which of the following cases it is appropriate for the government to comp In which of the following cases it is appropriate for the government to compensate individuals for the losses on the financial market? READ? Multiple Answers 2017 5 1 If the bank went bankrupt 2 Decline in market value of the shares of Investment Fund 3 A sharp drop in the shares of private company 4 Falling real estate prices when you want to sell 5 Nothing from the preiviouse 6 I don't know Sysmiss E1. Do you plan your household’s finances by making a budget or writing down expe E1. Do you plan your household’s finances by making a budget or writing down expe E1. Do you plan your household’s finances by making a budget or writing down expe E1. Do you plan your household’s finances by making a budget or writing down expe E1. Do you plan your household’s finances by making a budget or writing down expe Do you plan your household's finances by making a budget or writing down expenses? 2009 13 1 Yes 2 No 3 I do not know Sysmiss E2. Is your family used to keeping records of income and expenditures? E2. Is your family used to keeping records of income and expenditures? E2. Is your family used to keeping records of income and expenditures? E2. Is your family used to keeping records of income and expenditures? E2. Is your family used to keeping records of income and expenditures? Is your family used to keeping records of income and expenditures? 2020 2 1 Yes we keep records of everything 2 Yes we keep records of everything, but not all revenues 3 No we don't keep records of everything 4 No we don't keep records of family's resources 5 I do not know Sysmiss E3a.How often during the last 12 months your household_ remained with unspent mon E3a.How often during the last 12 months your household_ remained with unspent mon E3a.How often during the last 12 months your household_ remained with unspent mon E3a.How often during the last 12 months your household_ remained with unspent mon E3a.How often during the last 12 months your household_ remained with unspent mon How often during the last 12 months your household remained with unspent money from month to month? If money spent = money earned always or very often (codes 1 and 2 at E3c) è GO TO E6 If left without money always or very often (codes 1 and 2 at E3b) è GO TO E5 If money remains unspent always or very often (codes 1 and 2 at E3a) è GO TO E4 2018 4 1 Always 2 Most often 3 Sometimes 4 Very rare 5 Not once 6 I do not know Sysmiss E3b. How often during the last 12 months your household_remained without money fr E3b. How often during the last 12 months your household_remained without money fr E3b. How often during the last 12 months your household_remained without money fr E3b. How often during the last 12 months your household_remained without money fr E3b. How often during the last 12 months your household_remained without money fr How often during the last 12 months your household remained without money from month to month? If money spent = money earned always or very often (codes 1 and 2 at E3c) è GO TO E6 If left without money always or very often (codes 1 and 2 at E3b) è GO TO E5 If money remains unspent always or very often (codes 1 and 2 at E3a) è GO TO E4 2018 4 1 Always 2 Most often 3 Sometimes 4 Very rare 5 Not once 6 I do not know Sysmiss E3c. How often during the last 12 months your household_spent in a month exactly E3c. How often during the last 12 months your household_spent in a month exactly E3c. How often during the last 12 months your household_spent in a month exactly E3c. How often during the last 12 months your household_spent in a month exactly E3c. How often during the last 12 months your household_spent in a month exactly How often during the last 12 months your household spent in a month exactly the money earned in the previous month? If money spent = money earned always or very often (codes 1 and 2 at E3c) è GO TO E6 If left without money always or very often (codes 1 and 2 at E3b) è GO TO E5 If money remains unspent always or very often (codes 1 and 2 at E3a) è GO TO E4 2007 15 1 Always 2 Most often 3 Sometimes 4 Very rare 5 Not once 6 I do not know Sysmiss E4_a When your household remains with unspent money from month to month, generall E4_a When your household remains with unspent money from month to month, generall E4_a When your household remains with unspent money from month to month, generall E4_a When your household remains with unspent money from month to month, generall E4_a When your household remains with unspent money from month to month, generall When your household remains with unspent money from month to month, generally what do you do with the savings? We spend it on consumer goods 452 1570 1 Yes 2 No Sysmiss E4_b When your household remains with unspent money from month to month, generall E4_b When your household remains with unspent money from month to month, generall E4_b When your household remains with unspent money from month to month, generall E4_b When your household remains with unspent money from month to month, generall E4_b When your household remains with unspent money from month to month, generall When your household remains with unspent money from month to month, generally what do you do with the savings? We spend it on basic necessities 452 1570 1 Yes 2 No Sysmiss E4_c When your household remains with unspent money from month to month, generall E4_c When your household remains with unspent money from month to month, generall E4_c When your household remains with unspent money from month to month, generall E4_c When your household remains with unspent money from month to month, generall E4_c When your household remains with unspent money from month to month, generall When your household remains with unspent money from month to month, generally what do you do with the savings? We spend it on education (for children) 451 1571 1 Yes 2 No Sysmiss E4_d When your household remains with unspent money from month to month, generall E4_d When your household remains with unspent money from month to month, generall E4_d When your household remains with unspent money from month to month, generall E4_d When your household remains with unspent money from month to month, generall E4_d When your household remains with unspent money from month to month, generall When your household remains with unspent money from month to month, generally what do you do with the savings? We spend it on health 450 1572 1 Yes 2 No Sysmiss E4_e When your household remains with unspent money from month to month, generall E4_e When your household remains with unspent money from month to month, generall E4_e When your household remains with unspent money from month to month, generall E4_e When your household remains with unspent money from month to month, generall E4_e When your household remains with unspent money from month to month, generall When your household remains with unspent money from month to month, generally what do you do with the savings? We keep it in cash 452 1570 1 Yes 2 No Sysmiss E4_f When your household remains with unspent money from month to month, generall E4_f When your household remains with unspent money from month to month, generall E4_f When your household remains with unspent money from month to month, generall E4_f When your household remains with unspent money from month to month, generall E4_f When your household remains with unspent money from month to month, generall When your household remains with unspent money from month to month, generally what do you do with the savings? We deposit it or do not withdraw it from the account 451 1571 1 Yes 2 No Sysmiss E4_g When your household remains with unspent money from month to month, generall E4_g When your household remains with unspent money from month to month, generall E4_g When your household remains with unspent money from month to month, generall E4_g When your household remains with unspent money from month to month, generall E4_g When your household remains with unspent money from month to month, generall When your household remains with unspent money from month to month, generally what do you do with the savings? We invest it in the capital market 451 1571 1 Yes 2 No Sysmiss E4_h When your household remains with unspent money from month to month, generall E4_h When your household remains with unspent money from month to month, generall E4_h When your household remains with unspent money from month to month, generall E4_h When your household remains with unspent money from month to month, generall E4_h When your household remains with unspent money from month to month, generall When your household remains with unspent money from month to month, generally what do you do with the savings? We repay debt 451 1571 1 Yes 2 No Sysmiss E4_i When your household remains with unspent money from month to month, generall E4_i When your household remains with unspent money from month to month, generall E4_i When your household remains with unspent money from month to month, generall E4_i When your household remains with unspent money from month to month, generall E4_i When your household remains with unspent money from month to month, generall When your household remains with unspent money from month to month, generally what do you do with the savings? We lend it to friends or relatives 451 1571 1 Yes 2 No Sysmiss E4_j When your household remains with unspent money from month to month, generall E4_j When your household remains with unspent money from month to month, generall E4_j When your household remains with unspent money from month to month, generall E4_j When your household remains with unspent money from month to month, generall E4_j When your household remains with unspent money from month to month, generall When your household remains with unspent money from month to month, generally what do you do with the savings? We invest it in our own business 451 1571 1 Yes 2 No Sysmiss E4_k When your household remains with unspent money from month to month, generall E4_k When your household remains with unspent money from month to month, generall E4_k When your household remains with unspent money from month to month, generall E4_k When your household remains with unspent money from month to month, generall E4_k When your household remains with unspent money from month to month, generall When your household remains with unspent money from month to month, generally what do you do with the savings? We invest it in gold and jewellery 450 1572 1 Yes 2 No Sysmiss E4l. Is there any other way that you spend the money from the previous month?_tex E4l. Is there any other way that you spend the money from the previous month?_tex E4l. Is there any other way that you spend the money from the previous month?_tex E4l. Is there any other way that you spend the money from the previous month?_tex E4l. Is there any other way that you spend the money from the previous month?_tex Is there any other way that you spend the money from the previous month? 194 . 2 ÃÓÇÚÏ ÈãÕÑæÝ ÇáæÇáÏíä ÅÐÇ ÊæÝÑ ÇáßËíÑ ÃäÝÞåÇ Ýí ÇáÊÑÝíå Úä ÇáäÝÓ ãä ÎáÇá ÇáÊäÒå ãÚ ÇáÃÕÏÞÇÁ ÅÔÊÑÇß ÌãÚíÇÊ ÇÍíÇäÇ Ýí ÇáãæÇÕáÇÊ æ ÇÓÊËãÇÑåÇ Ýí ãÔÑæÚ ÇáÅÔÊÑÇß ÈÌãÚíÉ ãÚ ÃÔÎÇÕ ÇáÊäÞáÇÊ æ ÇáãæÇÕáÇÊ ÇáãäÇÓÈÇÊ ÈäÇÁ ÈíÊ ÊÌÇÑÉ ÇáÇÛäÇã ÊÍæá Çáì ÚãáÇÊ ÇÌäÈíÉ ÊÍæáåÇ Çáì ÚãáÇÊ ÇÌäÈíÉ æíÖÚåÇ Ýí ÍÓÇÈ ÊæÝíÑ ãÛáÞ ÊÎÕíÕ ãÈáÛ áæÇáÏÊí ßá ÇáÔåÑ æßÕÇÑíÝ ÇáÈäÒíä ÊÚÇáÌ äÝÓåÇ ÈÇáÎÇÑÌ ÊäÝÞ ÍÓÈ ÇáÍÇÌÉ ÔÑÇÁ ÃÑÇÖí ÔÑÇÁ ÃÑÇÖí ÒÑÇÚíÉ ÔÑÇÁ ÇÌåÒÉ ááãÎíØÉ æÊØæíÑåÇ ÔÑÇÁ ÓíÇÑÉ ÔÑÇÁ ÚÞÇÑÇÊ ÔÑÇÁ åæÇÊÝ äÞÇáÉ ãä ÇáÎÇÑÌ æÈÚåÇ Ýí ÇáÈáÇÏ Úáì ÇáãæÇÕáÇÊ ÚäÏ ÇáÖÑæÑÉ ÚäÏ ÇáÖÑæÑÉ ÇÐÇ ÇÏÚÊ ÇáÍÇÌÉ ãËá ÇÞÑÇÖ ÕÏíÞ Çæ ÊÚáíã ÇáÇÈäÇÁ ÝÊÍ ãÔÑæÚ ÕÚíÑ íÓÇÚÏ ãÚ ÇáãÕÇÑíÝ Ýí ÇáÊäÞáÇÊ ãä ÎáÇá ÊÚÈÆÉ ÇáÈäÒíä Ýí ÇáÊäÞáÇÊ æ ÇáÑÍáÇÊ æ ÇáÊÑÝíå Úä ÇáäÝÓ Ýí ÇáÊäÞáÇÊ æ ÇáÝÑ Ýí ÇáÊäÞáÇÊ æÇáÒíÇÑÇÊ ÇáÑÓãíÉ Ýí ÇáÊäÞáÇÊ æÇáãæÇÕáÇÊ Ýí ÇáÒíÇÑÇÊ æ ÇáåÏÇíÇ Ýí ÇáÓÝÑ ãä ÝÊÑÉ áÇÎÑì áÒíÇÑÉ ÇáÇÞÇÑÈ Ýí ÇáÕÏÞÇÊ æÇáÒßÇÉ áÇ áÇ ÃÚÑÝ áÇ ÃÚÑÝ áä ßá ÔåÑ íÎÊáÝ Úä ÇáÂÎÑ áÇ ÇÊÐßÑ ÇáÇä ÔíÁ áÇ ÔíÁ áÇ ÞÏ ÊÕÑÝ Úáì ÇáÊäÞáÇÊ áÇ íÎáæ ÇáÃãÑ ãä æÌæÏ ÍÇáÇÊ ØÇÑÆÉ ááãÕÑæÝ æ áßä ßá ÔåÑ íÎÊáÝ Úä ÇáÂÎÑ áÇ íæÌÏ áÇ íæÌÏ ÇáÇ ãæÇÕáÇÊ æÊäÞáÇÊ áÇÔíÁ áã íÍÏÏ ãÔÊÑßÉ ÈÌãÚíÉ äÓÇÆíÉ æ ÊÃÎÐåÇ Ãæá æÍÏÉ ãÔÊÑßÉ Ýí ÌãÚíÉ æÊÖÚ ÇáäÞæÏ ÝíåÇ æÊÓÊáãåÇ ãä æÞÊ áÇÎÑ ããßä Ýí ãÔÇÑíÚ ÎíÑíÉ ãä ÎáÇá ÊÌÏíÏ ÇáÃËÇË ÇáãäÒáí äÈÞíåÇ ßãÇ åí äÍæáåÇ Åáì ÚãáÇÊ ÃÑÏäíÉ äÎÒäåÇ ááíæã ÇáÇÓæÏ ßãÇ íÞÇá äÏÎÑåÇ äæÏÚåÇ ÈÇáÈäß Çæ ÇáÍÓÇÈ áÍíä ÇáÍÇÌÉ áåÇ äæÏÚåÇ Ýí ÍÓÇÈ ÊæÝíÑ íÔÊÑí ÃÏæÇÊ ÒÑÇÚíÉ E5 a. When your household runs out of money from month to month, generally, what E5 a. When your household runs out of money from month to month, generally, what E5 a. When your household runs out of money from month to month, generally, what E5 a. When your household runs out of money from month to month, generally, what E5 a. When your household runs out of money from month to month, generally, what When your household runs out of money from month to month, generally, what do you do? We cut down expenses 601 1421 1 Yes 2 No Sysmiss E5 b. When your household runs out of money from month to month, generally, what E5 b. When your household runs out of money from month to month, generally, what E5 b. When your household runs out of money from month to month, generally, what E5 b. When your household runs out of money from month to month, generally, what E5 b. When your household runs out of money from month to month, generally, what When your household runs out of money from month to month, generally, what do you do? We borrow money from relatives, friends and acquaintances 602 1420 1 Yes 2 No Sysmiss E5 c. When your household runs out of money from month to month, generally, what E5 c. When your household runs out of money from month to month, generally, what E5 c. When your household runs out of money from month to month, generally, what E5 c. When your household runs out of money from month to month, generally, what E5 c. When your household runs out of money from month to month, generally, what When your household runs out of money from month to month, generally, what do you do? We borrow money from family 602 1420 1 Yes 2 No Sysmiss E5 d. When your household runs out of money from month to month, generally, what E5 d. When your household runs out of money from month to month, generally, what E5 d. When your household runs out of money from month to month, generally, what E5 d. When your household runs out of money from month to month, generally, what E5 d. When your household runs out of money from month to month, generally, what When your household runs out of money from month to month, generally, what do you do? We buy on credit (informally) from shops 602 1420 1 Yes 2 No Sysmiss E5 e. When your household runs out of money from month to month, generally, what E5 e. When your household runs out of money from month to month, generally, what E5 e. When your household runs out of money from month to month, generally, what E5 e. When your household runs out of money from month to month, generally, what E5 e. When your household runs out of money from month to month, generally, what When your household runs out of money from month to month, generally, what do you do? We borrow from non-banking financial institutions (Micro-credits.) 602 1420 1 Yes 2 No Sysmiss E5 f. When your household runs out of money from month to month, generally, what E5 f. When your household runs out of money from month to month, generally, what E5 f. When your household runs out of money from month to month, generally, what E5 f. When your household runs out of money from month to month, generally, what E5 f. When your household runs out of money from month to month, generally, what When your household runs out of money from month to month, generally, what do you do? We pawn jewellery or other goods 602 1420 1 Yes 2 No Sysmiss E5 g. When your household runs out of money from month to month, generally, what E5 g. When your household runs out of money from month to month, generally, what E5 g. When your household runs out of money from month to month, generally, what E5 g. When your household runs out of money from month to month, generally, what E5 g. When your household runs out of money from month to month, generally, what When your household runs out of money from month to month, generally, what do you do? We spend our savings in NIS 602 1420 1 Yes 2 No Sysmiss E5 h. When your household runs out of money from month to month, generally, what E5 h. When your household runs out of money from month to month, generally, what E5 h. When your household runs out of money from month to month, generally, what E5 h. When your household runs out of money from month to month, generally, what E5 h. When your household runs out of money from month to month, generally, what When your household runs out of money from month to month, generally, what do you do? We spend our savings in foreign currency (USD) 602 1420 1 Yes 2 No Sysmiss E5 i. When your household runs out of money from month to month, generally, what E5 i. When your household runs out of money from month to month, generally, what E5 i. When your household runs out of money from month to month, generally, what E5 i. When your household runs out of money from month to month, generally, what E5 i. When your household runs out of money from month to month, generally, what When your household runs out of money from month to month, generally, what do you do? We use a credit card 602 1420 1 Yes 2 No Sysmiss E5 j. When your household runs out of money from month to month, generally, what E5 j. When your household runs out of money from month to month, generally, what E5 j. When your household runs out of money from month to month, generally, what E5 j. When your household runs out of money from month to month, generally, what E5 j. When your household runs out of money from month to month, generally, what When your household runs out of money from month to month, generally, what do you do? We work extra hours or do additional jobs 600 1422 1 Yes 2 No Sysmiss E5k. Is there any other way that you get by when you run out of money in between E5k. Is there any other way that you get by when you run out of money in between E5k. Is there any other way that you get by when you run out of money in between E5k. Is there any other way that you get by when you run out of money in between E5k. Is there any other way that you get by when you run out of money in between Is there any other way that you get by when you run out of money in between two months? 170 . ÃÍíÇäÇ ÇáÚãá Ýí ÊÕáíÍ ÇáãæÇÊíÑ áíÓ ÏÇÆãÇõ ÇÚãá ÈÇáÇÌÑ áÏì ÇÔÎÇÕ ãÒÇÑÚíä ÇÞÊÑÖ ãä ÇáÌãÚíÉ ÇáÊÚÇæäíÉ ÇáÇÞÊÑÇÖ ãä ÇáÈäæß ÇáÇÞÊÑÇÖ ãä ÇáÚÇÆáÉ æÇáÇÕÏÞÇÁ ÇáÈáØÌÉ ÇáÏíæä ãä ãÍáÇÊ ÇáÕÑÇÝÉ ÇáÔÆæä ÇáÇÌÊãÇÚíÉ ÇáÚãá Ýí ÇáÃÑÇÖí ÇáÒÑÇÚíÉ ÈÇáÅÖÇÝÉ Åáì ÇáÓÇÚÇÊ ÇáÅÖÝíÉ ÈíÚ ÇÑÖ ÈíÚ ÇáÐåÈ æ ÞØÚÉ ÃÑÖ ÈíÚ ÇáãÍÇÕíá ÇáÒÑÇÚíÉ ÇáãæÓãíÉ ÊÎÊáÝ ÇáØÑíÞÉ ÍÓÈ ÊæÝÑåÇ ØáÈ ãÓÇÚÏÉ ãä ÇááÌÇä ÇáÔÚÈíÉ ÇáãÓÄæáÉ Úä ÇáãÎíã ÞÏ íÖØÑ áÈíÚ ÐåÈ ÒæÌÊå ÞÑÖ Èäßí ÈÇáÝÇÆÏÉ áà íæÌÏ ÝÞØ ÃÕÈÑ Úáì äÝÓí áÇ áÇ ÃÚÑÝ áÇ ÈÓÈÈ ÞáÉ ÝÑÕ ÇáÚãá áÇ ÔíÁ áÇ ØÑíÞÉ áÇ íæÌÏ áÇ íæÌÏ Úãá áÇØÑíÞÉ áã íÍÏÏ ãÄÓÓÇÊ ÇáÅÞÑÇÖ ãÓÇÚÏÇÊ ãä ÇáãÄæÓÓÇÊ ãËá ÇáæßÇáÉ æÛíÑåÇ ãä Úãá ÒæÌÊí äÕÑÝ Úáì ÇáÈíÊ ãä áÌÇä ÇáÒßÇÉ/ÕäÏæÞ ÇáÚÇÆáÉ äÚã ÃØÇáÈ ÇáÍßæãÉ ÈÖãÇä ÏÎá ËÇÈÊ íÊã ÈíÚ ÅãÇ ÃÑÖ Ãæ Ñåä ÚÞÇÑ íÚãá Ýí ÃÚãÇá ÇáÈäÇÁ íÞæã ÇáÃÈ ÈÒÑÇÚÉ ÇáÃÑÖ ÇáÞÑíÈÉ ãä ÇáãäÒá E6. Please tell us whether there are such families among your acquaintances or fr E6. Please tell us whether there are such families among your acquaintances or fr E6. Please tell us whether there are such families among your acquaintances or fr E6. Please tell us whether there are such families among your acquaintances or fr E6. Please tell us whether there are such families among your acquaintances or fr Please tell us whether there are such families among your acquaintances or friends who used to be relatively well-to-do and then suddenly encountered financial problems? If so, then what was the reason in your opinion? 1. Yes, because someone in the household has lost his job due to financial crisis 2. Yes, because of unfortunate series of events (a sudden death or loss of a job by a breadwinner, a divorce, an accident, etc.) 3. Yes, because of a wrong money management or lack of ability to plan its finances (they were buying too much, took too many credits, did not plan their future, lived for the moment, etc.) 4. Yes, other................... 5. I do not know such families 6. Don't know 1991 31 1 Yes, there are 2 Yes, there are 3 Yes, there are 4 Yes 5 I do not know anyone 6 I do not know Sysmiss E7. Did you household experience an unexpected significant reduction of your inco E7. Did you household experience an unexpected significant reduction of your inco E7. Did you household experience an unexpected significant reduction of your inco E7. Did you household experience an unexpected significant reduction of your inco E7. Did you household experience an unexpected significant reduction of your inco Did you household experience an unexpected significant reduction of your income over the last three years? 1996 26 1 Yes 2 No 3 I do not know Sysmiss E7a_ a. How did you manage to make ends meet when your income suddenly dropped?Lo E7a_ a. How did you manage to make ends meet when your income suddenly dropped?Lo E7a_ a. How did you manage to make ends meet when your income suddenly dropped?Lo E7a_ a. How did you manage to make ends meet when your income suddenly dropped?Lo E7a_ a. How did you manage to make ends meet when your income suddenly dropped?Lo If Yes (code 1 at E7) What was the reason for this reduction of your income? Loss of employment due to economic crisis 812 1210 1 Yes 2 No Sysmiss E7a_ b. How did you manage to make ends meet when your income suddenly dropped?Lo E7a_ b. How did you manage to make ends meet when your income suddenly dropped?Lo E7a_ b. How did you manage to make ends meet when your income suddenly dropped?Lo E7a_ b. How did you manage to make ends meet when your income suddenly dropped?Lo E7a_ b. How did you manage to make ends meet when your income suddenly dropped?Lo If Yes (code 1 at E7) What was the reason for this reduction of your income? Loss of employment because of an accident, illness or disability 811 1211 1 Yes 2 No Sysmiss E7a_ c. How did you manage to make ends meet when your income suddenly dropped?Co E7a_ c. How did you manage to make ends meet when your income suddenly dropped?Co E7a_ c. How did you manage to make ends meet when your income suddenly dropped?Co E7a_ c. How did you manage to make ends meet when your income suddenly dropped?Co E7a_ c. How did you manage to make ends meet when your income suddenly dropped?Co If Yes (code 1 at E7) What was the reason for this reduction of your income? Considerable reduction of salary, or delays with salary payment 816 1206 1 Yes 2 No Sysmiss E7a_ d. How did you manage to make ends meet when your income suddenly dropped?Oc E7a_ d. How did you manage to make ends meet when your income suddenly dropped?Oc E7a_ d. How did you manage to make ends meet when your income suddenly dropped?Oc E7a_ d. How did you manage to make ends meet when your income suddenly dropped?Oc E7a_ d. How did you manage to make ends meet when your income suddenly dropped?Oc If Yes (code 1 at E7) What was the reason for this reduction of your income? Occupation (loss of access to land/proximity to wall/restriction of movement) 820 1202 1 Yes 2 No Sysmiss E7a_ e. How did you manage to make ends meet when your income suddenly dropped?Br E7a_ e. How did you manage to make ends meet when your income suddenly dropped?Br E7a_ e. How did you manage to make ends meet when your income suddenly dropped?Br E7a_ e. How did you manage to make ends meet when your income suddenly dropped?Br E7a_ e. How did you manage to make ends meet when your income suddenly dropped?Br If Yes (code 1 at E7) What was the reason for this reduction of your income? Breakup, separation or divorce 809 1213 1 Yes 2 No Sysmiss E7a_ f. How did you manage to make ends meet when your income suddenly dropped?Re E7a_ f. How did you manage to make ends meet when your income suddenly dropped?Re E7a_ f. How did you manage to make ends meet when your income suddenly dropped?Re E7a_ f. How did you manage to make ends meet when your income suddenly dropped?Re E7a_ f. How did you manage to make ends meet when your income suddenly dropped?Re If Yes (code 1 at E7) What was the reason for this reduction of your income? Retirement of the main breadwinner 810 1212 1 Yes 2 No Sysmiss E7a_ g. How did you manage to make ends meet when your income suddenly dropped?Ot E7a_ g. How did you manage to make ends meet when your income suddenly dropped?Ot E7a_ g. How did you manage to make ends meet when your income suddenly dropped?Ot E7a_ g. How did you manage to make ends meet when your income suddenly dropped?Ot E7a_ g. How did you manage to make ends meet when your income suddenly dropped?Ot If Yes (code 1 at E7) What was the reason for this reduction of your income? Other 478 . 1 1 ÃÒãÉ ãÇáíÉ ãÝÇÌÆÉ ÈÓÈÈ ÇáÞÑÖ ÇáÐí ÃÎÐå ÒæÌåÇ 1 ÅÑÊÝÇÚ ÇáÃÓÚÇÑ 1 ÇáÈØÇáÉ 1 ÇáÚãá Úáì ÚÞÏ ãÄÞÊ 1 ÊÑÇÌÚ ãÏÎæá ÇáãÍá 1 ÊÑÇßã ÇáÏíæä 1 ÊÛíÑ ÃÓÚÇÑ ÇáÕÑÝ ááÏæáÇÑ æ ÇáÏíäÇÑ 1 ÊÛíÑ ÃÓÚÇÑ ÇáÚãáÇÊ 1 ÊÛíÑ ÓÚÑ ÇáÚãáÉ 1 ÓæÁ ÅÏÇÑÉ ÑÈ ÇáÃÓÑÉ 1 ÛáÇÁ ÇáãÚíÔÉ ãÞÇÑäÉ ÈÇáãÚÇÔ 1 ÞáÉ ÇáÚãá æ ÝÑÕ ÇáÔÛá 1 ßÇä ÓÌíä 1 æÝÇÉ ÇáÃÈ 1 æÝÇÉ ÑÈ ÇáÃÓÑÉ 1 æÞÝ ÇáãÓÇÚÏÇÊ 1ÇáÃæÖÇÚ ÇáÅÞÊÕÇÏíÉ ÇáÕÚÈÉ / ÊÑß æÇáÏå ÇáÚãá 1ÇáÈØÇáÉ ÞáÉ ÝÑÕ ÇáÚãá 1ÇáÛáÇÁ ÇáãÚíÓí + áã íÚÏ æÇáÏåÇ íÚãá 1ÛáÇÁ ÇáãÚíÔÉ ÇáÕÚÈ ÃÊÑß ÇáÚãá Ýí ãÍá ÊÌÇÑí 1áÇ íæÌÏ ÝÑÕ Úãá 2 ÅÑÊÝÇÚ ÃÓÚÇÑ ÇáÓáÚ ÇáÇÓÊåáÇßíÉ ÅÚáÇÞ ÇáãÚÇÈÑ ÅÛáÇÞ ÇáØÑÞ æÇáãÚÇÈÑ ÅÛáÇÞ ÇáãÚÇÈÑ ÅÛáÇÞ ÇáãÚÈÑ ÅÛáÇÞ ãÍá Úãá ÒæÌåÇ æ áã íÌÏ ÚãáÇ ÂÎÑ ÅäÎÝÇÖ ÇáÏÎá ãÚ ÅÑÊÝÇÚ ÇáÃÓÚÇÑ ÇÑÊÝÇÚ ÇáÇÓÚÇÑ ÇÒÏíÇÏ ÚÏÏ ØáÇÈ ÇáÌÇãÚÇÊ ÏÇÎá ÇáÇÓÑÉ ÇÚÊÞÇá ÑÈ ÇáÇÓÑÉ ÇÚáÇä ÇáÅÝáÇÓ ÇÛáÇÞ ÇáãÇÈÑ ÇÛáÇÞ ÇáãÚÇÈÑ ÍíË ßäÊ Ýí ÇáÓÚæÏíÉ æÇäÊåÊ ÇáÇÞÇãÉ ÇÛáÇÞ ÇáãÚÇÈÑ æÇáÇÚÊãÇÏ Úáì ÇáãæÇÏ ÇáãÓÊæÑÏÉ ÇÛáÇÞ ÇáãÚÇÈÑ æÇäÞØÇÚ ÇáÈÖÇÆÚ ÇáÃæÖÇÚ ÇáÇÞÊÕÇÏíÉ ÇáÃæÖÇÚ ÇáÇÞÊÕÇÏíÉ ÇáÓíÆÉ ÇáÃæÖÇÚ ÇáÓíÆÉ ÇáÃæÖÇÚ ÇáãÇáíÉ ÇáÕÚÈÉ ÇáÅÏÇÑÉ ÇáÓíÆÉ ááãÍáÇÊ ÇáÊÌÇÑíÉ ÇáÅÞÇãÉ ÚäÏ ÇáæÇáÏíä ÇáÅäÝÕÇá Úä ÇáÚãá ÈÓÈÈ ãÔÇßá ãÚ ÕÇÍÈ ÇáÚãá ÇáÅäÞÓÇã ÇáÏÇÎáí ÇáÇäÝÕÇá Èíä ÇáÓáØÇÊ ÇáÇäÞÓÇã ÇáÇæÖÇÚ ÇáÅÞÊÕÇÏíÉ ÇáÓíÆÉ ÇáÇæÖÇÚ ÇáÇÞÊÕÇÏíÉ ÇáÓíÆÉ ÇáÇæÖÇÚ ÇáÇÞÊÕÇÏíÉ ÇáÕÍíÉ ÇáÇæÖÇÚ ÇáÇÞÊÕÇÏíÉ æÇáÛáÇÁ ÇáãÚíÔí ÇáÈØÇáÉ ÇáÈØÇáÉ +ÇáæÖÚ ÇáÅÞÊÕÇÏí ÇáÓíÁ Ýí ÈáÇÏäÇ ÇáÊÓÈÈ Ýí ÍÇÏË ÓíÑ ææÝÇÉ ÔÎÕ ÂÎÑ ÇáÊÚáíã ÇáÌÇãÚí ÇáÊÚáíã ÇáÌÇãÚí + ÅÚÇÞÉ ÇáæÇáÏ æ ÚÏã Úãáå ÇáÊÚáíã ÇáÌÇãÚí / ÈäÇÁ ÇáÊÞáÈ Ýí ÇÓÚÇÑ ÇáÚãáÇÊ ÇáÍÕÇÑ ÇáÍÕÇÑ ÇáÇÓÑÇÆíáí ÇáÍÕÇÑ æÅÛáÇÞ ÇáãÚÇÈÑ ÇáÏÎá ÇáãÍÏæÏ ÇáÏíæä æÇáÃÈ ßÇä ÚÇãá Ýí ÇÓÑÇÆíá ÇáÒæÇÌ æÇáÇÞÊÑÇÖ ÇáÖÚ ÇáÅÞÊÕÇÏí ÇáÓíÁ 1 ÇáÛáÇÁ ÇáãÚíÔí ÇáÛáÇÁ ÇáãÚíÔí +ÇÑÊÝÇÚ ÃÓÚÇÑ ÇáãæÇÏ ÇáÎÇã Ýí ÇáÕä ÇáÛáÇÁ ÇáãÚíÔí -ÇáÈØÇáÉ ÇáÛáÇÁ ÇáãÚíÔí -ÇáÈØÇáÉ -ÊÏäí ÏÎá ÇáÚÇãá ÇáÛáÇÁ ÇáãÚíÔí æÇáÈØÇáÉ ÇáÞÑæÖ ÇáãÑÖ ÇáæÖÚ ÇáÅÞÊÕÇÏí ÇáÓíÁ ÇáæÖÚ ÇáÇÞÊÕÇÏí ÇáÓíÁ ÇáæÖÚ ÇáÇÞÊÕÇÏí ÇáÓíÆ ÇáæÖÚ ÇáÇÞÊÕÇÏí ÓíÁ ÇáæÖÚ ÇáÇÞÊÕÇÏí æÇáÓíÇÓí ÇáæÖÚ ÇáÓí ÇáæÖÚ ÇáÓíÁ ÇáæÖÚ ÇáÓíÆ ÇáæÖÚ ÇáÓíÇÓí æÇáÇÛáÇÞÇÊ ÇáæÖÚ ÇáÚÇã ÇáæÖÚ ÇáãÇáí ÇáÓíÁ ÇáæÖÚ ÇáãÇáí ÇáÓíÆ ÇäÎÝÇÖ ÇáÏÎá ÇäÎÝÇÖ ÇáãÈíÚÇÊ ÇäÝÕÇá ÑÈ áÇÓÑÉ Úä æÙíÝÊå ÇäÞØÇÚ ÇáÑÇÊÈ ÇíÌÇÑÇÊ ÇáÓßä ÈÓÈÈ ÅÅÛáÇÞ ÇáãÚÇÈÑ áÈÚÖ ÇáãÄÓÓÇÊ ÇáÕäÇÚíÉ ÈÓÈÈ ÇáÃæÖÇÚ ÇáÓíÆÉ ÈÓÈÈ ÇáÃæÖÇÚ ÇáÓííÆÉ ÈÓÈÈ ÇáÇÛáÇÞ æÇáÇäÞÓÇã æÝÞÏÇä ÇáÚãá ÈÓÈÈ ÇáÊÚáíã ÈÓÈÈ ÇáÍÕÇÑ ÈÓÈÈ ÇáÏíæä ÈÓÈÈ ÇáÓÑÞÉ ÈÓÈÈ ãÕÇÑíÝ ÚáÇÌ ááØÝá ÈÓÈ ÅÕÇÈÉ ÎØíÑÉ ÈÓÈÈ æÌæÏ ÞÑæÖ ááÇÓÑÉ ÈÓÓÈ ÇáÇäÞáÇÈ ÇáÐí ÍÏË ÈÛÒÉ ÊÌÇÑÉ ÇãæÇá ÇáÇäÝÇÞ ÊÌÑíÝ Ýí ÇáÃÑÇÖí ÇáÒÑÇÚíÉ ÇáÊí ßäÊ ÃÚãá ÈåÇ ÊÑÇÌÚ ãÏÎæá ÇáãÍá ÊÑß ÒæÌåÇ ÇáÚãá áãÏÉ ÓäÉ æ ÏÎá ÇáÃÓÑÉ ãäÎÝÖ ÌÏÇ ÊÑßå ááÚãá æÇáÈÍË Úä Úãá ÇÎÑ ÊÓÏíÏ ÏÝÚÇÊ ÇáÞÑÖ ÊÓÏíÏ ÞÑÖ ÊÛíÑ ÃÓÚÇÑ ÇáÚãáÇÊ ÊÛíÑ ÇáÚãáÉ æ ÅäÎÝÇÖåÇ ÊÛííÑ ÇáæÙíÝÉ ÊßáÝÉ ÏÑÇÓÉ ÇáãÇÌÓÊíÑ ÊæÞÝ Úãá ÇáæÇáÏ ÈÓÈÈ ÇáÍßæãÉ ÇáÍÇáíÉ ÒæÇÌ ÃÍÏ ÇáÃÈäÇÁ áÃäÉ ßÇä ãä ÃÝÑÇÏ ÇáÇÓÑÉ ÇáãÚíáÉ ÒæÌí ØáÞäí æÊÑßäí ÈÏÏæä ãÚíá ÒíÇÏÉ ÇáÚÈìÁ Úáì ÇáãÚíá ÒíÇÏÉ ÇáãÕÇÑíÝ ÒíÇÏÉ ÇáãÕÑæÝ æ ÛáÇÁ ÇáãÚíÔÉ ÒíÇÏÉ ÇáãÕÑæÝ æÛáÇÁ ÇáãÚíÔÉ ÒíÇÏÉ ÚÈÁ ÑÈ ÇáÃÓÑÉ ÓÑÞÉ ÇáÈÖÇÆÚ ãä ÇáãÊÌÑ ÓæÁ ÂÏÇÉ ÅÓÊÎÏÇã ÇáÃãæÇá æÚÏã ÇáÞÏÑÉ Úáì ÇáÊÎØíØ Ç ÓæÁ ÃÏÇÉ ÅÓÊÎÏÇã ÇáÃãæÇá æÚÏã ÇáÊÎØíØ ÇáÌíÏ ááãÇá ÔÑÇÁ ÔÞÉ ÖÚÝ ÇáÓæÞ ÇáÚÇã ÚÇãá ÇÓÑÇÆíá ÚÏã ÊæÝÑ Úãá ÚÏã ÊæÝÑ ÝÑÕ Úãá ÚÏã ÊæÝíÑ ÝÑÕ Úãá ááÔÈÇÈ ÚÏã æÌæÏ ÝÑÕ Úãá ÚãáíÉ ÎÓÇÑÉ ÇáãÈáÛ ÇáãÇáí ÛáÇÁ ÇáÇÓÚÇÑ ÛáÇÁ ÇáÓáÚ æÇáÎÏãÇÊ ÛáÇÁ ÇáãÚíÔÉ æÒíÇÏÉ ÇáãÕÇÑíÝ ÝÞÏÇä ÇáÃãæÇá Ýí ÇáÈæÑÕÉ ÇáÃÓåã ÝÞÏÇä ÇáÚãá ÈÓÈÈ ÇáÅÍÈÇØ ÝÞÏÇä ÇáÚãá ÈÓÈÈ ÚÏã ÊæÝÑ ÝÑÕÉ ÇáÚãá ÞØÚ ÇáÑÇÊÈ ÞØÚ ÇáÑÇÊÈ ãä ÑÇã Çááå ßÈÑ ÇáæÇáÏ ÈÇáÓä áÇ íÚãá áÇ íæÌÏ Úãá áÇ íæÌÏ Úãá áÃÝÑÇÏ ÇáÃÓÑÉ áÇ íæÌÏ ÝÑÕ Úãá ßËíÑÉ áÇ íæÌÏ ÝÑÕ Úãá ááÒæÌ áÇ íæÌÏ æÙíÝÉ áÇ íæÌÏ æÙíÝÉ ãä ÇáÃÓÇÓ áÇíæÌÏ ÏÎá áíÓ áÏí ÏÎá ãÊØáÈÇÊ ÇáÍíÇÉ ÛÇáíÉ ãÑæÑ ÇáÍÑÈ ãæÊ ÑÈ ÇáÃÓÑÉ ãæÙÝ ãÞØæÚ ÑÇÊÈÉ äÕÈ ÔÎÕ Úáì ÇáÚÇÆáÉ äÕÈ æÅÍÊíÇá äÞØÉ ÈíÚ Ýí ÇáÓæÞ æÃÒíáÊ åÏã ÇáÈíÊ æÇáÏåÇ áã íÓÊØÚ ÇáæÕæá Åáì ãßÇä Úãáå ÈÓÈÈ ÇáÌÏÇÑ æ æÌæÏ ØÝá ãÚÇÞ ÈÇáÃÓÑÉ æÌæÏ ÞÑæÖ Úáì ÇáãÚíá æÖÚ ÇáÓæÞ ÈÔßá ÚÇã æÝÇÉ ÑÈ ÇáÃÓÑÉ æÝÇÉ ÑÈ ÇáÇÓÑÉ E7b_ a. How did you manage to make ends meet when your income suddenly dropped?We E7b_ a. How did you manage to make ends meet when your income suddenly dropped?We E7b_ a. How did you manage to make ends meet when your income suddenly dropped?We E7b_ a. How did you manage to make ends meet when your income suddenly dropped?We E7b_ a. How did you manage to make ends meet when your income suddenly dropped?We How did you manage to make ends meet when your income suddenly dropped? We cut down expenses and saved 825 1197 1 Yes 2 No Sysmiss E7b_ b. How did you manage to make ends meet when your income suddenly dropped?We E7b_ b. How did you manage to make ends meet when your income suddenly dropped?We E7b_ b. How did you manage to make ends meet when your income suddenly dropped?We E7b_ b. How did you manage to make ends meet when your income suddenly dropped?We E7b_ b. How did you manage to make ends meet when your income suddenly dropped?We How did you manage to make ends meet when your income suddenly dropped? We borrowed money from relatives, friends and acquaintances 823 1199 1 Yes 2 No Sysmiss E7b_ c. How did you manage to make ends meet when your income suddenly dropped?We E7b_ c. How did you manage to make ends meet when your income suddenly dropped?We E7b_ c. How did you manage to make ends meet when your income suddenly dropped?We E7b_ c. How did you manage to make ends meet when your income suddenly dropped?We E7b_ c. How did you manage to make ends meet when your income suddenly dropped?We How did you manage to make ends meet when your income suddenly dropped? We borrow money from family 825 1197 1 Yes 2 No Sysmiss E7b_ d. How did you manage to make ends meet when your income suddenly dropped?We E7b_ d. How did you manage to make ends meet when your income suddenly dropped?We E7b_ d. How did you manage to make ends meet when your income suddenly dropped?We E7b_ d. How did you manage to make ends meet when your income suddenly dropped?We E7b_ d. How did you manage to make ends meet when your income suddenly dropped?We How did you manage to make ends meet when your income suddenly dropped? We bought on credit from shops 825 1197 1 Yes 2 No Sysmiss E7b_ e. How did you manage to make ends meet when your income suddenly dropped?We E7b_ e. How did you manage to make ends meet when your income suddenly dropped?We E7b_ e. How did you manage to make ends meet when your income suddenly dropped?We E7b_ e. How did you manage to make ends meet when your income suddenly dropped?We E7b_ e. How did you manage to make ends meet when your income suddenly dropped?We How did you manage to make ends meet when your income suddenly dropped? We borrowed from non-banking financial institutions (CAR, Provident etc.) 816 1206 1 Yes 2 No Sysmiss E7b_ f. How did you manage to make ends meet when your income suddenly dropped?We E7b_ f. How did you manage to make ends meet when your income suddenly dropped?We E7b_ f. How did you manage to make ends meet when your income suddenly dropped?We E7b_ f. How did you manage to make ends meet when your income suddenly dropped?We E7b_ f. How did you manage to make ends meet when your income suddenly dropped?We How did you manage to make ends meet when your income suddenly dropped? We pawned jewellery or other goods 747 1275 1 Yes 2 No Sysmiss E7b_ g. How did you manage to make ends meet when your income suddenly dropped?We E7b_ g. How did you manage to make ends meet when your income suddenly dropped?We E7b_ g. How did you manage to make ends meet when your income suddenly dropped?We E7b_ g. How did you manage to make ends meet when your income suddenly dropped?We E7b_ g. How did you manage to make ends meet when your income suddenly dropped?We How did you manage to make ends meet when your income suddenly dropped? We spent our savings in NIS 821 1201 1 Yes 2 No Sysmiss E7b_ h. How did you manage to make ends meet when your income suddenly dropped?We E7b_ h. How did you manage to make ends meet when your income suddenly dropped?We E7b_ h. How did you manage to make ends meet when your income suddenly dropped?We E7b_ h. How did you manage to make ends meet when your income suddenly dropped?We E7b_ h. How did you manage to make ends meet when your income suddenly dropped?We How did you manage to make ends meet when your income suddenly dropped? We exchanged in NIS our savings in foreign currency 821 1201 1 Yes 2 No Sysmiss E7b_ i. How did you manage to make ends meet when your income suddenly dropped?We E7b_ i. How did you manage to make ends meet when your income suddenly dropped?We E7b_ i. How did you manage to make ends meet when your income suddenly dropped?We E7b_ i. How did you manage to make ends meet when your income suddenly dropped?We E7b_ i. How did you manage to make ends meet when your income suddenly dropped?We How did you manage to make ends meet when your income suddenly dropped? We used a credit card 819 1203 1 Yes 2 No Sysmiss E7b_ j. How did you manage to make ends meet when your income suddenly dropped?We E7b_ j. How did you manage to make ends meet when your income suddenly dropped?We E7b_ j. How did you manage to make ends meet when your income suddenly dropped?We E7b_ j. How did you manage to make ends meet when your income suddenly dropped?We E7b_ j. How did you manage to make ends meet when your income suddenly dropped?We How did you manage to make ends meet when your income suddenly dropped? We worked extra hours or do additional jobs 807 1215 1 Yes 2 No Sysmiss E7b_ k. How did you manage to make ends meet when your income suddenly dropped?Ot E7b_ k. How did you manage to make ends meet when your income suddenly dropped?Ot E7b_ k. How did you manage to make ends meet when your income suddenly dropped?Ot E7b_ k. How did you manage to make ends meet when your income suddenly dropped?Ot E7b_ k. How did you manage to make ends meet when your income suddenly dropped?Ot How did you manage to make ends meet when your income suddenly dropped? Other 348 . 1 2 5 ÈíÚ ÇáÐåÈ ááÚãá Ýí Ëãäå ÛáÇÁ ÇáÓáÚ áÇ íæÌÏ ÏÎá E8. How often during the last 12 months your household had to borrow to pay back E8. How often during the last 12 months your household had to borrow to pay back E8. How often during the last 12 months your household had to borrow to pay back E8. How often during the last 12 months your household had to borrow to pay back E8. How often during the last 12 months your household had to borrow to pay back How often during the last 12 months your household had to borrow to pay back your other debts? 1964 58 1 per month 2 Once per 3 months 3 Once every 6 months 4 Once a year or less 5 Not once 6 I do not know Sysmiss E9. Would you please say whether your household has any debts now? E9. Would you please say whether your household has any debts now? E9. Would you please say whether your household has any debts now? E9. Would you please say whether your household has any debts now? E9. Would you please say whether your household has any debts now? Would you please say whether your household has any debts now? Without instalments for credits/loans If No --> Go to E10 2013 9 1 yes 2 no 3 i do not no Sysmiss E9A. Compared to your total monthly household income, approximately how much tota E9A. Compared to your total monthly household income, approximately how much tota E9A. Compared to your total monthly household income, approximately how much tota E9A. Compared to your total monthly household income, approximately how much tota E9A. Compared to your total monthly household income, approximately how much tota If Yes in E9 ask Compared to your total monthly household income, approximately how much total debt do you currently have? SHOW THE CARD 1004 1018 1 less than month income 2 1-2 month 3 2-3 month 4 4-6 month 5 7-12 month 6 more than 12 month 7 I don't know Sysmiss E9B. Compared to your total monthly household income, approximately how much mone E9B. Compared to your total monthly household income, approximately how much mone E9B. Compared to your total monthly household income, approximately how much mone E9B. Compared to your total monthly household income, approximately how much mone E9B. Compared to your total monthly household income, approximately how much mone If Yes in E9 ask Compared to your total monthly household income, approximately how much money is allocated to the repayment of debts each month? SHOW THE CARD 1012 1010 1 less than quarte in com 2 between 1/4-1/2 3 between 1/2-3/4 4 other 5 I don't know 14 Sysmiss E10 a. Let’s assume that in addition to your regular income your family gets some E10 a. Let’s assume that in addition to your regular income your family gets some E10 a. Let’s assume that in addition to your regular income your family gets some E10 a. Let’s assume that in addition to your regular income your family gets some E10 a. Let’s assume that in addition to your regular income your family gets some Let's assume that in addition to your regular income your family gets some money in the amount of NIS 55,000, meaning approximately USD 15,000. What would you do with this money? I'll spend it on the purchase of household goods (furniture, clothes, home electronic appliances, etc.) Choose maximum 3 answers SHOW THE CARD (1-first option; 2-second option; 3-third option) 352 1670 1 First priority 2 Second priority 3 Third priority Sysmiss E10 b. Let’s assume that in addition to your regular income your family gets some E10 b. Let’s assume that in addition to your regular income your family gets some E10 b. Let’s assume that in addition to your regular income your family gets some E10 b. Let’s assume that in addition to your regular income your family gets some E10 b. Let’s assume that in addition to your regular income your family gets some Let's assume that in addition to your regular income your family gets some money in the amount of NIS 55,000, meaning approximately USD 15,000. What would you do with this money? I'll try to add money (through borrowing, e.g.) and buy a plot of land, a car, etc. Choose maximum 3 answers SHOW THE CARD (1-first option; 2-second option; 3-third option) 694 1328 1 First priority 2 Second priority 3 Third priority Sysmiss E10 c. I’ll make long-term savings to accumulate money for more expensive things E10 c. I’ll make long-term savings to accumulate money for more expensive things E10 c. I’ll make long-term savings to accumulate money for more expensive things E10 c. I’ll make long-term savings to accumulate money for more expensive things E10 c. I’ll make long-term savings to accumulate money for more expensive things Let's assume that in addition to your regular income your family gets some money in the amount of NIS 55,000, meaning approximately USD 15,000. What would you do with this money? I'll make long-term savings to accumulate money for more expensive things (a house, apartment, expensive car, etc.) Choose maximum 3 answers SHOW THE CARD (1-first option; 2-second option; 3-third option) 431 1591 1 First priority 2 Second priority 3 Third priority Sysmiss E10 d. Let’s assume that in addition to your regular income your family gets some E10 d. Let’s assume that in addition to your regular income your family gets some E10 d. Let’s assume that in addition to your regular income your family gets some E10 d. Let’s assume that in addition to your regular income your family gets some E10 d. Let’s assume that in addition to your regular income your family gets some Let's assume that in addition to your regular income your family gets some money in the amount of NIS 55,000, meaning approximately USD 15,000. What would you do with this money? I'll make reserves (for unexpected event, special events, for a rainy day, etc.) Choose maximum 3 answers SHOW THE CARD (1-first option; 2-second option; 3-third option) 665 1357 1 First priority 2 Second priority 3 Third priority Sysmiss E10 e. Let’s assume that in addition to your regular income your family gets some E10 e. Let’s assume that in addition to your regular income your family gets some E10 e. Let’s assume that in addition to your regular income your family gets some E10 e. Let’s assume that in addition to your regular income your family gets some E10 e. Let’s assume that in addition to your regular income your family gets some Let's assume that in addition to your regular income your family gets some money in the amount of NIS 55,000, meaning approximately USD 15,000. What would you do with this money? I'll repay my earlier debts Choose maximum 3 answers SHOW THE CARD (1-first option; 2-second option; 3-third option) 736 1286 1 First priority 2 Second priority 3 Third priority Sysmiss E10 f. Let’s assume that in addition to your regular income your family gets some E10 f. Let’s assume that in addition to your regular income your family gets some E10 f. Let’s assume that in addition to your regular income your family gets some E10 f. Let’s assume that in addition to your regular income your family gets some E10 f. Let’s assume that in addition to your regular income your family gets some Let's assume that in addition to your regular income your family gets some money in the amount of NIS 55,000, meaning approximately USD 15,000. What would you do with this money? I'll spend it on entertainment, on travel or vacation Choose maximum 3 answers SHOW THE CARD (1-first option; 2-second option; 3-third option) 238 1784 1 First priority 2 Second priority 3 Third priority Sysmiss E10 g. Let’s assume that in addition to your regular income your family gets some E10 g. Let’s assume that in addition to your regular income your family gets some E10 g. Let’s assume that in addition to your regular income your family gets some E10 g. Let’s assume that in addition to your regular income your family gets some E10 g. Let’s assume that in addition to your regular income your family gets some Let's assume that in addition to your regular income your family gets some money in the amount of NIS 55,000, meaning approximately USD 15,000. What would you do with this money? I'll spend it on education and development of my children Choose maximum 3 answers SHOW THE CARD (1-first option; 2-second option; 3-third option) 615 1407 1 First priority 2 Second priority 3 Third priority Sysmiss E10 h. Let’s assume that in addition to your regular income your family gets some E10 h. Let’s assume that in addition to your regular income your family gets some E10 h. Let’s assume that in addition to your regular income your family gets some E10 h. Let’s assume that in addition to your regular income your family gets some E10 h. Let’s assume that in addition to your regular income your family gets some Let's assume that in addition to your regular income your family gets some money in the amount of NIS 55,000, meaning approximately USD 15,000. What would you do with this money? I'll spend it on upgrade of my skills or training for a new vacation/profession Choose maximum 3 answers SHOW THE CARD (1-first option; 2-second option; 3-third option) 180 1842 1 First priority 2 Second priority 3 Third priority Sysmiss E10 i. Let’s assume that in addition to your regular income your family gets some E10 i. Let’s assume that in addition to your regular income your family gets some E10 i. Let’s assume that in addition to your regular income your family gets some E10 i. Let’s assume that in addition to your regular income your family gets some E10 i. Let’s assume that in addition to your regular income your family gets some Let's assume that in addition to your regular income your family gets some money in the amount of NIS 55,000, meaning approximately USD 15,000. What would you do with this money? I'll spend it on my medical treatment and that of my close family Choose maximum 3 answers SHOW THE CARD (1-first option; 2-second option; 3-third option) 247 1775 1 First priority 2 Second priority 3 Third priority Sysmiss E10 j. Let’s assume that in addition to your regular income your family gets some E10 j. Let’s assume that in addition to your regular income your family gets some E10 j. Let’s assume that in addition to your regular income your family gets some E10 j. Let’s assume that in addition to your regular income your family gets some E10 j. Let’s assume that in addition to your regular income your family gets some Let's assume that in addition to your regular income your family gets some money in the amount of NIS 55,000, meaning approximately USD 15,000. What would you do with this money? I'll invest it in my own business Choose maximum 3 answers SHOW THE CARD (1-first option; 2-second option; 3-third option) 1089 933 1 First priority 2 Second priority 3 Third priority Sysmiss E10 k. I’ll buy an insurance policy for myself or the family, spend it on volunta E10 k. I’ll buy an insurance policy for myself or the family, spend it on volunta E10 k. I’ll buy an insurance policy for myself or the family, spend it on volunta E10 k. I’ll buy an insurance policy for myself or the family, spend it on volunta E10 k. I’ll buy an insurance policy for myself or the family, spend it on volunta Let's assume that in addition to your regular income your family gets some money in the amount of NIS 55,000, meaning approximately USD 15,000. What would you do with this money? I'll buy an insurance policy for myself or the family, spend it on voluntary pension (through a pension fund) Choose maximum 3 answers SHOW THE CARD (1-first option; 2-second option; 3-third option) 53 1969 1 First priority 2 Second priority 3 Third priority Sysmiss E10 l. Let’s assume that in addition to your regular income your family gets some E10 l. Let’s assume that in addition to your regular income your family gets some E10 l. Let’s assume that in addition to your regular income your family gets some E10 l. Let’s assume that in addition to your regular income your family gets some E10 l. Let’s assume that in addition to your regular income your family gets some Let's assume that in addition to your regular income your family gets some money in the amount of NIS 55,000, meaning approximately USD 15,000. What would you do with this money? I'll buy gold, jewels and the like Choose maximum 3 answers SHOW THE CARD (1-first option; 2-second option; 3-third option) 231 1791 1 First priority 2 Second priority 3 Third priority Sysmiss E10 m. Let’s assume that in addition to your regular income your family gets some E10 m. Let’s assume that in addition to your regular income your family gets some E10 m. Let’s assume that in addition to your regular income your family gets some E10 m. Let’s assume that in addition to your regular income your family gets some E10 m. Let’s assume that in addition to your regular income your family gets some Let's assume that in addition to your regular income your family gets some money in the amount of NIS 55,000, meaning approximately USD 15,000. What would you do with this money? I'll invest it in the bank deposit at an interest rate Choose maximum 3 answers SHOW THE CARD (1-first option; 2-second option; 3-third option) 113 1909 1 First priority 2 Second priority 3 Third priority Sysmiss E10 n. Let’s assume that in addition to your regular income your family gets some E10 n. Let’s assume that in addition to your regular income your family gets some E10 n. Let’s assume that in addition to your regular income your family gets some E10 n. Let’s assume that in addition to your regular income your family gets some E10 n. Let’s assume that in addition to your regular income your family gets some Let's assume that in addition to your regular income your family gets some money in the amount of NIS 55,000, meaning approximately USD 15,000. What would you do with this money? I'll buy stock of Palestinian companies Choose maximum 3 answers SHOW THE CARD (1-first option; 2-second option; 3-third option) 116 1906 1 First priority 2 Second priority 3 Third priority Sysmiss E10 o. Let’s assume that in addition to your regular income your family gets some E10 o. Let’s assume that in addition to your regular income your family gets some E10 o. Let’s assume that in addition to your regular income your family gets some E10 o. Let’s assume that in addition to your regular income your family gets some E10 o. Let’s assume that in addition to your regular income your family gets some Let's assume that in addition to your regular income your family gets some money in the amount of NIS 55,000, meaning approximately USD 15,000. What would you do with this money? Other Choose maximum 3 answers SHOW THE CARD (1-first option; 2-second option; 3-third option) 176 . 1.00 2.00 3.00 ÃÊÒæÌ ÇÊÒæÌ ÇÍÌ Çáì ÈíÊ Çááå ÇÏÇÁ ãäÇÓß ÇáÍÌ ÇÏÇÁ ãäÇÓß ÇáÍÌ æÇáÚãÑÉ ÇÒæÌ ÇÈäÇÆí ÇáÊÈÑÚ ááÝÞÑÇÁ ÇáÍÌ ÇáÍÌ æÇáÚãÑÉ ÇáÒæÇÌ ÇáÚãÑÉ ÈäÇÁ ÇáÈíÊ ÊÑÊíÈ ÇáÈíÊ ÊÑãíã ÇáÈíÊ ÊÑíÏ ÇáÍÌ æÇáÚãÑÉ ÊÒæíÌ ÇÎí ÊÒæíÌ ÇáÃæáÇÏ ÊÒæíÌ ÇáæáÏ ÇáÈÇÞí ÊØæíÑ ÇáÈíÊ ÊØæíÑ ÇáÈíÊ æÇáÒæÇÌ ÊØæíÑ ÇáãäÒá ÊÚãíÑ ÇáÈíÊ Êßãíá ÇáÊÚáíã ÒæÇÌ ÇáÇÈä ÒæÇÌ ÇÈäí ÒæÇÌ ÇáÇÈä ÒæÇÌ ÇáÇÈäÇÁ ÓæÝ ÇÊÒæÌ ÝÞØ ÈÚÏíä ÃÝßÑ Ýí ÈÇÞí ÇáÃãæ Ñ áÇ íæÌÏ ÃÎáÇã áÇä ÇáæÚ Øæá ÚãÑå åíß ãÓÇÚÏÉ ÇáÝÞÑÇÁ ãÔ ÖÇíá ÈÇáÚãÑ ÞÏ ãÇ ãÖí E10 p. Let’s assume that in addition to your regular income your family gets some E10 p. Let’s assume that in addition to your regular income your family gets some E10 p. Let’s assume that in addition to your regular income your family gets some E10 p. Let’s assume that in addition to your regular income your family gets some E10 p. Let’s assume that in addition to your regular income your family gets some Let's assume that in addition to your regular income your family gets some money in the amount of NIS 55,000, meaning approximately USD 15,000. What would you do with this money? Choose maximum 3 answers SHOW THE CARD (1-first option; 2-second option; 3-third option) 15 2007 1 First priority 2 Second priority 3 Third priority Sysmiss E11. Does your household have any savings? E11. Does your household have any savings? E11. Does your household have any savings? E11. Does your household have any savings? E11. Does your household have any savings? Does your household have any savings? 2018 4 1 I'm trying to save some thing 2 Money spent on daily needs 3 All money spent on daily needs and something more economical 4 I don't know Sysmiss E11A. Comparing to your total monthly household income, approximately how much ar E11A. Comparing to your total monthly household income, approximately how much ar E11A. Comparing to your total monthly household income, approximately how much ar E11A. Comparing to your total monthly household income, approximately how much ar E11A. Comparing to your total monthly household income, approximately how much ar If household saves (codes 1 and 2 at E11) Comparing to your total monthly household income, approximately how much are your savings? SHOW THE CARD 597 1425 1 less than month income 2 1-2 3 2-3 4 4-6 5 7-12 6 I don't know Sysmiss E11B 1. What are your reasons to save? For a rainy day, for unexpected expenses E11B 1. What are your reasons to save? For a rainy day, for unexpected expenses E11B 1. What are your reasons to save? For a rainy day, for unexpected expenses E11B 1. What are your reasons to save? For a rainy day, for unexpected expenses E11B 1. What are your reasons to save? For a rainy day, for unexpected expenses What are your reasons to save? For a rainy day, for unexpected expenses Multiple Answers SHOW THE CARD 541 1481 1 Yes 2 No Sysmiss E11B 2. What are your reasons to save?For retirement E11B 2. What are your reasons to save?For retirement E11B 2. What are your reasons to save?For retirement E11B 2. What are your reasons to save?For retirement E11B 2. What are your reasons to save?For retirement What are your reasons to save? Multiple Answers SHOW THE CARD 152 1870 1 Yes 2 No Sysmiss E11B 3. What are your reasons to save?To leave something for children to inherit E11B 3. What are your reasons to save?To leave something for children to inherit E11B 3. What are your reasons to save?To leave something for children to inherit E11B 3. What are your reasons to save?To leave something for children to inherit E11B 3. What are your reasons to save?To leave something for children to inherit What are your reasons to save? To leave something for children to inherit Multiple Answers SHOW THE CARD 159 1863 1 Yes 2 No 3 Sysmiss E11B 4. What are your reasons to save?To get income in the form of interest, incr E11B 4. What are your reasons to save?To get income in the form of interest, incr E11B 4. What are your reasons to save?To get income in the form of interest, incr E11B 4. What are your reasons to save?To get income in the form of interest, incr E11B 4. What are your reasons to save?To get income in the form of interest, incr What are your reasons to save? To get income in the form of interest, increased market value of assets, etc. Multiple Answers SHOW THE CARD 122 1900 1 Yes 2 No Sysmiss E11B 5. What are your reasons to save?To increase my living standards in the futu E11B 5. What are your reasons to save?To increase my living standards in the futu E11B 5. What are your reasons to save?To increase my living standards in the futu E11B 5. What are your reasons to save?To increase my living standards in the futu E11B 5. What are your reasons to save?To increase my living standards in the futu What are your reasons to save? To increase my living standards in the future Multiple Answers SHOW THE CARD 278 1744 1 Yes 2 No Sysmiss E11B 6. What are your reasons to save?I like saving rather than spending money E11B 6. What are your reasons to save?I like saving rather than spending money E11B 6. What are your reasons to save?I like saving rather than spending money E11B 6. What are your reasons to save?I like saving rather than spending money E11B 6. What are your reasons to save?I like saving rather than spending money What are your reasons to save? I like saving rather than spending money Multiple Answers SHOW THE CARD 157 1865 1 Yes 2 No Sysmiss E11B 7. What are your reasons to save?This is a family tradition E11B 7. What are your reasons to save?This is a family tradition E11B 7. What are your reasons to save?This is a family tradition E11B 7. What are your reasons to save?This is a family tradition E11B 7. What are your reasons to save?This is a family tradition What are your reasons to save? This is a family tradition Multiple Answers SHOW THE CARD 183 1839 1 Yes 2 No Sysmiss E11B 8. What are your reasons to save?Don’t know E11B 8. What are your reasons to save?Don’t know E11B 8. What are your reasons to save?Don’t know E11B 8. What are your reasons to save?Don’t know E11B 8. What are your reasons to save?Don’t know What are your reasons to save? .Don't know Multiple Answers SHOW THE CARD 94 1928 1 Yes 2 No Sysmiss E11B 9. What are your reasons to save?Other...................................... E11B 9. What are your reasons to save?Other...................................... E11B 9. What are your reasons to save?Other...................................... E11B 9. What are your reasons to save?Other...................................... E11B 9. What are your reasons to save?Other...................................... What are your reasons to save? Other Multiple Answers SHOW THE CARD 43 . 1 1 ááÈÏÁ ÈãÔÑæÚ ÌÏíÏ 1 ááÊÚáíã 1 ááÒæÇÌ æ ÊÃãíä ÇáãÓÊÞÈá 2 9 ãÔÑæÚ ÎÇÕ ÇáÊÚáíã ÇáÌÇãÚí ááÇÓÑÉ ÇáÊæÝíÑ ÈÓÈÈ ÌãÚ ÃÞÓÇã ááÞÑÖ ÇáÊæÝíÑ ÓíÑÌÚ ÃÞÓÇØ ááÞÑÖ ÇáÞÑÔ ÇáÇÈíÖ íäÝÚ Ýí Çáíæã ÇáÇÓæÏ ÊÓÏíÏ ÞÑÖ ÇáÈäß ÍÊì ÃÓÊØíÚ ÅßãÇá ÇáÔåÑ ÓÏÇÏ ÇáÏíæä ÖãÇä ÊÚáíã ÇáÃÈäÇÁ ßÈÑ ÇáÓä áÇä ÇáÏÎá ßÈíÑ áÊÓÏíÏ ÇáÏíæä áÊÚáíã ÇáÃÈäÇÁ áÊÚáíã ÇáÃØÝÇá áÊÚáíã ÇáÇÈäÇÁ áÊÚáíã ÇáÇæáÇÏ áÊæÓíÚ ÚãáåÇ áÊæÝíÑ ÃÞÓÇØ ÇáÃæáÇÏ áÊæÝíÑ ÃÞÓÇØ ÏÑÇÓíÉ áÃÝÑÇÏ ÇáÚÇÆáÉ áÊæÝíÑ ÏÝÚ ÇáÇÞÓÇØ áÓÏÇÏ ÇáÏíæä áÔÑÇÁ ÔíÁ ãÚíä áÚãá ãÔÑæÚ ÅÞÊÕÇÏí ááÊÚáíã ááÊÚáíã ÇáÃÈäÇÁ ááÊÚáíã ÇáÌÇãÚí ááÍÌ ááÒæÇÌ ááÒæÇÌ æ ÇáÏÑÇÓÉ ááÚáÇÌ E12 1. What are the reasons for not saving? I don’t trust financial institutions E12 1. What are the reasons for not saving? I don’t trust financial institutions E12 1. What are the reasons for not saving? I don’t trust financial institutions E12 1. What are the reasons for not saving? I don’t trust financial institutions E12 1. What are the reasons for not saving? I don’t trust financial institutions If household does not have savings (code 3 at E11) What are the reasons for not saving? I don't trust financial institutions Multiple Answers 247 1775 1 Yes 2 No Sysmiss E12 2.What are the reasons for not saving? I cannot do this because of a low inc E12 2.What are the reasons for not saving? I cannot do this because of a low inc E12 2.What are the reasons for not saving? I cannot do this because of a low inc E12 2.What are the reasons for not saving? I cannot do this because of a low inc E12 2.What are the reasons for not saving? I cannot do this because of a low inc If household does not have savings (code 3 at E11) What are the reasons for not saving? I cannot do this because of a low income Multiple Answers 1080 942 1 Yes 2 No Sysmiss E12 3. What are the reasons for not saving? I don’t see the point of having savin E12 3. What are the reasons for not saving? I don’t see the point of having savin E12 3. What are the reasons for not saving? I don’t see the point of having savin E12 3. What are the reasons for not saving? I don’t see the point of having savin E12 3. What are the reasons for not saving? I don’t see the point of having savin If household does not have savings (code 3 at E11) What are the reasons for not saving? I don't see the point of having savings Multiple Answers 249 1773 1 Yes 2 No Sysmiss E12 4. What are the reasons for not saving? I cannot resist the temptation to sp E12 4. What are the reasons for not saving? I cannot resist the temptation to sp E12 4. What are the reasons for not saving? I cannot resist the temptation to sp E12 4. What are the reasons for not saving? I cannot resist the temptation to sp E12 4. What are the reasons for not saving? I cannot resist the temptation to sp If household does not have savings (code 3 at E11) What are the reasons for not saving? I cannot resist the temptation to spend the money on shopping Multiple Answers 275 1747 1 Yes 2 No Sysmiss E12 5. What are the reasons for not saving? Other... E12 5. What are the reasons for not saving? Other... E12 5. What are the reasons for not saving? Other... E12 5. What are the reasons for not saving? Other... E12 5. What are the reasons for not saving? Other... If household does not have savings (code 3 at E11) What are the reasons for not saving? Other Multiple Answers 226 1796 1 Yes 2 No Sysmiss E12 6.What are the reasons for not saving? Don’t know E12 6.What are the reasons for not saving? Don’t know E12 6.What are the reasons for not saving? Don’t know E12 6.What are the reasons for not saving? Don’t know E12 6.What are the reasons for not saving? Don’t know If household does not have savings (code 3 at E11) What are the reasons for not saving? Don't know Multiple Answers 231 1791 1 Yes 2 No Sysmiss E12 5. What are the reasons for not saving? Other................................ E12 5. What are the reasons for not saving? Other................................ E12 5. What are the reasons for not saving? Other................................ E12 5. What are the reasons for not saving? Other................................ E12 5. What are the reasons for not saving? Other................................ If household does not have savings (code 3 at E11) What are the reasons for not saving? Other Multiple Answers 180 . 1 ÃÓÏÏ ÇáÏíæä ÃÓÚÇÑ ÇáÈÖÇÆÚ ãÑÊÝÚÉ ÃÞÓÇØ ÇáÞÑÖ ÅÑÊÝÇÚ ÃÓÚÇÑ ÇáÈÖÇÆÚ / æ ÊßáÝÉ ÇáÊÚáíã ÇáÈÇåÙÉ ÅáÊÒÇã ÅáÊÒÇã ÈÃÞÓÇØ ÌÇãÚíÉ ÅáÊÒÇã ÈÏÝÚ ÇáÏíä ÅáÊÒÇãÇÊ ÅáÊÒÇãÇÊ ÈÏÝÚ ÃÞÓÇØ ÅáÊÒÇãÇÊ ÚÇÆáíÉ ÇÌÏ Çä ÇÞæã ÈæÇÌÈí ÇÊÌÇå ÈäÇÊí æáÇ ÇÞæã ãä ÍÑãÇäåã ÇÍÊíÇÌÇÊ ÇáÇÓÑÉ ßËíÑÉ æÇáÛáÇÁ ÇáãÚíÔí íÝ ÈáÇÏäÇ ÇÑÊÝÇÚ ÇáÃÓÚÇÑ Ýí ÇáãäÊÌÇÊ áÇ íÊÑß ãÌÇá ááÊæÝíÑ ÇáÃÓÚÇÑ ÇáãÑÊÝÚÉ ááÈÖÇÆÚ ÇáÃæÖÇÚ ÇáÅÞÊÕÇÏíÉ ÇáÈØÇáÉ +ÞáÉ ÇáÏÎá ááäÇÓ ÇáÊÒÇãÇÊ ÇÓÑíÉ ÇáÊÒÇãÇÊ ÇÞÓÇØ ÇáÊÒÇãÇÊ ÈÊÓÏíÏ Ïíæä ÇáÊÒÇãÇÊ ÊÚáíãíÉ ÇáÊÒÇãÇÊ Ïíæä ÇáÊÒÇãÇÊ ÚÇÆáíÉ ÇáÏÎá Úáì Çááå æÛíÑ ËÇÈÊ ÇáÏÎá ÛíÑ ßÇÝí ÇáÏÎá áÇ íÈÞì ãäå ÔíÁ ÈÓÈÈ ÛáÇÁ ÇáãÚíÔÉ ÇáÏÎá ãÍÏæÏ ÇáÏíæä ÇáÑÇÊÈ áÇ íßÝí ÇáÑÇÊÈ ãÎÕÕ ãäå áÊÓÏíÏ ÇáÏíæä ÇáÛáÇ ÁÇáãÚíÔí -ÞáÉ ÇáÚãá áÏì ÒæÌåÇ ÇáÛáÇÁ ÇáãÚíÔí ÇáÛáÇÁ ÇáãÚíÔí áÌãíÚ ÇáäæÇÍí ÇáãÚíÔíÉ ÇáÛáÇÁ ÇáãÚíÔí æ ÇáæÖÚ ÇñáÅÞÊÕÇÏí ÇáÓíÁ ÇáÛáÇÁ ÇáãÚíÔí- ÑÈ ÇáÃÓÑÉ íÏÑÓ ãÇÌÓÊíÑ ÇáãÕÇÑíÝ ÇáÕÍíÉ ßËíÑÉ ÇáãÕÑæÝÇÊ ÇáÎÇÕÉ ÈÇáÃæáÇÏ æÇáÕÛÇÑ ÇáæÖÚ ÇáÅÞÊÕÇÏí ÇáÕÚÈ ÇáíÚáíã ÇáÌÇãÚí áÃÎæÇÊå íÒíÏ ÇáÚÈÁ Úáì ÇáÃÓÑÉ ÈÏæä ÃÓÈÇÈ áÇ ÃÓÊØíÚ ÇáÊæÝíÑ ÈÓÈ ÛáÇÁ ÇáãÚíÔÉ ÈÓÈÈ ÇáÊÚáíã ÈÓÈÈ ÇáÏíæä ÈÓÈÈ ÇáÏíæä ÇáãÊÑÇßãÉ ÈÓÈÈ ÇáÞÑÖ ÈÓÈÈ ÇáÞÑæÖ æÈÓÈÈ ÇáÌÇãÚÇÊ ÈÓÈÈ ÇíÌÇÑ ÇáÈíæÊ æÛáÇÁ ÇáãÚíÔÉ ÈÓÈÈ ÊÓÏíÏ ÇáÏíæä ÈÓÈÈ ÊÓÏíÏ ÇáÞÑÖ ÈÓÈÈ ÏÝÚ ÚáÇÌ ááæáÏ ÈÓÈÈ ÓÏÇÏ ÇáÏíæä ÈÓÈÈ ÓÏÇÏ ÇáÞÑæÖ ÈÓÈÈ ÚÏÏ ÃÝÑÇÏ ÇáÃÓÑÉ æ ÅÍÊíÇÌÇÊåã ÈÓÈÈ ÛáÇÁ ÇáãÚíÔÉ ÈÓÈÈ ÛáÇÁ ÇáãÚíÔÉ æÇáÊÚáíã ÈÓÈÈ ßËÑÉ ÇáÓÝÑ ÈÓÈÈ æÌæÏ ÇáÏíæä ÊÓÏíÏ ÃÞÓÇã ÊÓÏíÏ ÇÞÓÇØ ÊÓÏíÏ ÇáÏíæä ÊÓÏíÏ Ïíæä ÊÓÏíÏ Ïíæä æÞÑæÖ ÊÓÏíÏ ÝæÇÊíÑ ÇáÞÑÖ ÊÓÏíÏ ÞÑÖ ÊÚáíã ÇáÃæáÇÏ +ÊÓÏíÏ ÇáÏíæä æÇáÈäÇÁ ÊßáÝÉ ÇáÈÖÇÆÚ ÚÇáíÉ ÍÌã ÇáÏíæä Çáßáí ßÈíáÑ ÏÝÚ ÛÑÇãÇÊ æ Ïíæä Ïíæä Ïíæäí ßËíÑÉ ÒæÌåÇ ãÓÄæá Úä ßá ÔíÁ ÒíÇÏÉ ÅáÊÒÇãÇÊ ÇáÍíÇÉ æ ãÊØáÈÇÊåÇ ÓÈÈ ÇáÏíä ÇáãÊÑÇßãÉ ÓÈÈ ÇáÏíæä ÓÏÇÏ Ïíæä ãÓÊÍÞÉ ÓÏÇÏ ÞÑæÖ¡ÇáÊÚáíã¡ÇáÈäÇÁ ÓæÁ ÅÏÇÑÉ ÔÑÇÁ ÇáÚÞÇÑÇÊ ÔÑÇÁ ÈíÊ æÓÏÇÏ Ïíæä ØáÇÈ ÌÇãÚÇÊ ÇßËÑ ÚÏã æÌæÏ ÔÛá ãÓÊãÑ ÚáÇÌ ÇáÃã ÚáÇÌ ØÝá áÏíåÇ ÛáÇÁ ÇáÓáÚ æÇáÎÏãÇÊ ÛáÇÁ ÇáãÚíÔÉ ÛáÇÁ ÇáãÚíÔÉ ÇáãÑÊÝÚ ÛáÇÁ ãæÇáÎÏãÇÊ ÞÑæÖ ßËÑÉ ÇáÏíæä áÃä ÇáÏÎá ÈÇáÖÈØ áÃääÇ äÓÏÏ ÇáÞÑÖ áÇ íÓÊØíÚ æÇáÏåÇ ÇáÚãá / æ 3 ÃÎæÉ Ýí ÇáÌÇãÚÉ áÇ íæÌÏ ÏÎá áÇ íæÌÏ ÏÎá ÇÓÇÓí áÇ íæÌÏ ÏÎá ËÇÈÊ áÇ íæÌÏ ÏÎá ÛíÑ ÇáÔÆæä ÇáÇÌÊãÇÚíÉ áÇ íæÌÏ ÏÎá ßáæ ãÓÇÚÏÇÊ áÇ íæÌÏ ÏÎá ááÇÓÑÉ áÇ íæÌÏ Úãá áÇ íæÌÏ Úãá ËÇÈÊ áÇä ÇáÏÎá ÝÞØ íäÝÞ ÊãÇãÇ ÎáÇá ÇáÔåÑ áÇíæÌÏ ÏÎá áÇíæÌÏ Úãá ááÊæÝíÑ áÊÚáíã ÇáÃÈäÇÁ Ýí ÇáÌÇãÚÉ áÏíäÇ Ïíä æÚáíäÇ ÃÞÓÇØ áÏíå ÅáÊÒÇãÇÊ ÚÇÆáíÉ ááÈäÇÁ ááÊÚáíã áæÌæÏ Ïíæä ãÊÏáÈÇÊ ÇáíÇÉ ÇáßËíÑÉ æ ÇáÕÚÈÉ ãÊØáÈÇÊ ÇáÍíÇÉ ßËíÑÉ +ÇáÇÓÚÇÑ ãÑÊÝÚÉ ãÊØáÈÇÊ ÇáÍíÇÉ ßËíÑÉ æÛÇáíÉ ãÓÄáíÇÊ æ ãÊØáÈÇÊ ÇáãäÒá ÇáßËíÑÉ ãÕÇÑíÝ ÇáÈíÊ ßËíÑÉ +ãÕáÑíÝ ÊÚáíã ÌÇãÚí ãÕÇÑíÝ ÇáÈíÊ æ ãÊØÇÈÇÊå ÇáßËíÑÉ ãÕÇÑíÝ ÇáÊÚáíã ÇáÌÇãÚí ãÕÇÑíÝ ÇáÍíÇÉ ÃßËÑ ãä ÇáÏÎá æÇáÓáÚ ÇáÈÖÇÆÚíÉ ÛÇáíÉ ãÕÇÑíÝ æãÓÊáÒãÇÊ ÇáÍíÇÉ ãÕÑæÝ ÇáÃÓÑÉ ßËíÑ æÌæÏ Ïíæä íÚØí ãÈáÛ ÔåÑí áæÇáÏíå íÚíÔ Úáì ãÈáÛ íÎÕÕå áå ÇÎíå ÔåÑíÇ F1. Last month, the total amount received from salaries, pensions, child allowanc F1. Last month, the total amount received from salaries, pensions, child allowanc F1. Last month, the total amount received from salaries, pensions, child allowanc F1. Last month, the total amount received from salaries, pensions, child allowanc F1. Last month, the total amount received from salaries, pensions, child allowanc Last month, the total amount received from salaries, pensions, child allowances, sales etc. by all household's members (including the respondent) was approximately... 2022 2 no income 3 I don't know 4 no answer 60 100 150 200 250 300 340 350 400 430 450 500 600 700 760 800 900 950 1000 1100 1200 1220 1250 1300 1350 1400 1500 1600 1700 1750 1800 1900 2000 2100 2200 2250 2300 2400 2500 2600 2700 2800 2900 3000 3100 3200 3300 3400 3500 3600 3700 3800 4000 4200 4300 4500 4600 4700 4800 5000 5200 5300 5400 5500 5600 5700 5800 6000 6200 6300 6400 6500 6600 6700 6800 7000 7400 7500 7600 7700 7800 8000 8200 8500 8600 8700 8800 9000 9500 9700 10000 10002 11000 12000 12200 12600 12800 13000 14000 15000 16000 16200 17000 18000 20000 25000 30000 35000 40000 47000 50000 100000 F2. And the total amount received by the respondent (RESP=01) was approximately F2. And the total amount received by the respondent (RESP=01) was approximately F2. And the total amount received by the respondent (RESP=01) was approximately F2. And the total amount received by the respondent (RESP=01) was approximately F2. And the total amount received by the respondent (RESP=01) was approximately And the total amount received by the respondent (RESP=01) was approximately… 2022 2 no income 3 I don't know 4 no answer 20 50 60 100 150 200 300 340 400 450 480 500 550 600 700 730 750 760 800 850 900 950 1000 1100 1200 1300 1350 1400 1500 1600 1700 1750 1800 1900 1950 2000 2100 2200 2250 2300 2390 2400 2500 2600 2700 2800 2900 3000 3200 3300 3400 3500 3600 3700 3800 3900 4000 4200 4300 4500 4700 4800 5000 5200 5300 5400 5500 5600 5700 5800 6000 6200 6500 6600 6700 7000 7400 7500 7800 8000 8700 9000 9700 10000 12000 13000 14000 30000 100000 G1 1.What type of financial services do you use? Consumer loan G1 1.What type of financial services do you use? Consumer loan G1 1.What type of financial services do you use? Consumer loan G1 1.What type of financial services do you use? Consumer loan G1 1.What type of financial services do you use? Consumer loan What type of financial services do you use? Consumer loan Attention! Use the codes corresponding to each financial service used in the present by each person 15 years old and over. 2022 1 Yes 2 No G1 2. What type of financial services do you use?Mortgage loan G1 2. What type of financial services do you use?Mortgage loan G1 2. What type of financial services do you use?Mortgage loan G1 2. What type of financial services do you use?Mortgage loan G1 2. What type of financial services do you use?Mortgage loan What type of financial services do you use? Mortgage loan Attention! Use the codes corresponding to each financial service used in the present by each person 15 years old and over. 2022 1 Yes 2 No G1 3. What type of financial services do you use?Current account G1 3. What type of financial services do you use?Current account G1 3. What type of financial services do you use?Current account G1 3. What type of financial services do you use?Current account G1 3. What type of financial services do you use?Current account What type of financial services do you use? Current account Attention! Use the codes corresponding to each financial service used in the present by each person 15 years old and over. 2022 1 Yes 2 No G1 4. What type of financial services do you use?Bank deposit G1 4. What type of financial services do you use?Bank deposit G1 4. What type of financial services do you use?Bank deposit G1 4. What type of financial services do you use?Bank deposit G1 4. What type of financial services do you use?Bank deposit What type of financial services do you use? Bank deposit Attention! Use the codes corresponding to each financial service used in the present by each person 15 years old and over. 2022 1 Yes 2 No G1 5. What type of financial services do you use?Bank debit card G1 5. What type of financial services do you use?Bank debit card G1 5. What type of financial services do you use?Bank debit card G1 5. What type of financial services do you use?Bank debit card G1 5. What type of financial services do you use?Bank debit card What type of financial services do you use? Bank debit card Attention! Use the codes corresponding to each financial service used in the present by each person 15 years old and over. 2022 1 Yes 2 No G1 6. What type of financial services do you use?Bank credit card G1 6. What type of financial services do you use?Bank credit card G1 6. What type of financial services do you use?Bank credit card G1 6. What type of financial services do you use?Bank credit card G1 6. What type of financial services do you use?Bank credit card What type of financial services do you use? Bank credit card Attention! Use the codes corresponding to each financial service used in the present by each person 15 years old and over. 2022 1 Yes 2 No G1 7. What type of financial services do you use?Insurance policies G1 7. What type of financial services do you use?Insurance policies G1 7. What type of financial services do you use?Insurance policies G1 7. What type of financial services do you use?Insurance policies G1 7. What type of financial services do you use?Insurance policies What type of financial services do you use? Insurance policies Attention! Use the codes corresponding to each financial service used in the present by each person 15 years old and over. 2022 1 Yes 2 No G1 8. What type of financial services do you use?Private pensions G1 8. What type of financial services do you use?Private pensions G1 8. What type of financial services do you use?Private pensions G1 8. What type of financial services do you use?Private pensions G1 8. What type of financial services do you use?Private pensions What type of financial services do you use? Private pensions Attention! Use the codes corresponding to each financial service used in the present by each person 15 years old and over. 2022 1 Yes 2 No G1 9.What type of financial services do you use? Investments in shares G1 9.What type of financial services do you use? Investments in shares G1 9.What type of financial services do you use? Investments in shares G1 9.What type of financial services do you use? Investments in shares G1 9.What type of financial services do you use? Investments in shares What type of financial services do you use? Investments in shares Attention! Use the codes corresponding to each financial service used in the present by each person 15 years old and over. 2022 1 Yes 2 No G1 10. What type of financial services do you use?Investment funds G1 10. What type of financial services do you use?Investment funds G1 10. What type of financial services do you use?Investment funds G1 10. What type of financial services do you use?Investment funds G1 10. What type of financial services do you use?Investment funds What type of financial services do you use? Investment funds Attention! Use the codes corresponding to each financial service used in the present by each person 15 years old and over. 2022 1 Yes 2 No G1 11.What type of financial services do you use? Loans from Mutual Help Associa G1 11.What type of financial services do you use? Loans from Mutual Help Associa G1 11.What type of financial services do you use? Loans from Mutual Help Associa G1 11.What type of financial services do you use? Loans from Mutual Help Associa G1 11.What type of financial services do you use? Loans from Mutual Help Associa What type of financial services do you use? Loans from Mutual Help Associations Attention! Use the codes corresponding to each financial service used in the present by each person 15 years old and over. 2022 1 Yes 2 No G1 12. What type of financial services do you use?Car/ terrain loans G1 12. What type of financial services do you use?Car/ terrain loans G1 12. What type of financial services do you use?Car/ terrain loans G1 12. What type of financial services do you use?Car/ terrain loans G1 12. What type of financial services do you use?Car/ terrain loans What type of financial services do you use? Car/ terrain loans Attention! Use the codes corresponding to each financial service used in the present by each person 15 years old and over. 2022 1 Yes 2 No G1 13. What type of financial services do you use?Pawning goods G1 13. What type of financial services do you use?Pawning goods G1 13. What type of financial services do you use?Pawning goods G1 13. What type of financial services do you use?Pawning goods G1 13. What type of financial services do you use?Pawning goods What type of financial services do you use? Pawning goods Attention! Use the codes corresponding to each financial service used in the present by each person 15 years old and over. 2022 1 Yes 2 No G1 14. What type of financial services do you use?Loans from microcredit organiza G1 14. What type of financial services do you use?Loans from microcredit organiza G1 14. What type of financial services do you use?Loans from microcredit organiza G1 14. What type of financial services do you use?Loans from microcredit organiza G1 14. What type of financial services do you use?Loans from microcredit organiza What type of financial services do you use? Loans from microcredit organizations or other non-banking financial institutions Attention! Use the codes corresponding to each financial service used in the present by each person 15 years old and over. 2022 1 Yes 2 No G1 15. What type of financial services do you use?Loans from usurers G1 15. What type of financial services do you use?Loans from usurers G1 15. What type of financial services do you use?Loans from usurers G1 15. What type of financial services do you use?Loans from usurers G1 15. What type of financial services do you use?Loans from usurers What type of financial services do you use? . Loans from usurers Attention! Use the codes corresponding to each financial service used in the present by each person 15 years old and over. 2022 1 Yes 2 No G1 16. What type of financial services do you use?Loans from relatives, friends, G1 16. What type of financial services do you use?Loans from relatives, friends, G1 16. What type of financial services do you use?Loans from relatives, friends, G1 16. What type of financial services do you use?Loans from relatives, friends, G1 16. What type of financial services do you use?Loans from relatives, friends, What type of financial services do you use? Loans from relatives, friends, acquaintances Attention! Use the codes corresponding to each financial service used in the present by each person 15 years old and over. 2022 1 Yes 2 No G1 17.What type of financial services do you use? Buying on credit (informally) f G1 17.What type of financial services do you use? Buying on credit (informally) f G1 17.What type of financial services do you use? Buying on credit (informally) f G1 17.What type of financial services do you use? Buying on credit (informally) f G1 17.What type of financial services do you use? Buying on credit (informally) f What type of financial services do you use? Buying on credit from food shops Attention! Use the codes corresponding to each financial service used in the present by each person 15 years old and over. 2022 1 Yes 2 No G1 18. What type of financial services do you use?Buying on credit from the elect G1 18. What type of financial services do you use?Buying on credit from the elect G1 18. What type of financial services do you use?Buying on credit from the elect G1 18. What type of financial services do you use?Buying on credit from the elect G1 18. What type of financial services do you use?Buying on credit from the elect What type of financial services do you use? Buying on credit from the electrical appliances shops Attention! Use the codes corresponding to each financial service used in the present by each person 15 years old and over. 2022 1 Yes 2 No G1 19.What type of financial services do you use?Money Changers G1 19.What type of financial services do you use?Money Changers G1 19.What type of financial services do you use?Money Changers G1 19.What type of financial services do you use?Money Changers G1 19.What type of financial services do you use?Money Changers What type of financial services do you use? Money changers Attention! Use the codes corresponding to each financial service used in the present by each person 15 years old and over. 2022 1 Yes 2 No G1 20.What type of financial services do you use?Non-of the mentioned G1 20.What type of financial services do you use?Non-of the mentioned G1 20.What type of financial services do you use?Non-of the mentioned G1 20.What type of financial services do you use?Non-of the mentioned G1 20.What type of financial services do you use?Non-of the mentioned What type of financial services do you use? Noen-of the mentioned Attention! Use the codes corresponding to each financial service used in the present by each person 15 years old and over. 2022 1 Yes 2 No G2a.type of insurances policies do you have life insurance G2a.type of insurances policies do you have life insurance G2a.type of insurances policies do you have life insurance G2a.type of insurances policies do you have life insurance G2a.type of insurances policies do you have life insurance If the respondent has insurance policies What type of insurances policies do you have? life insurance 2022 1 Yes 2 No G2b. type of insurances policies do you havemedical insurance G2b. type of insurances policies do you havemedical insurance G2b. type of insurances policies do you havemedical insurance G2b. type of insurances policies do you havemedical insurance G2b. type of insurances policies do you havemedical insurance If the respondent has insurance policies What type of insurances policies do you have? medical insurance 2022 1 Yes 2 No G2c. type of insurances policies do you havehouse insurance G2c. type of insurances policies do you havehouse insurance G2c. type of insurances policies do you havehouse insurance G2c. type of insurances policies do you havehouse insurance G2c. type of insurances policies do you havehouse insurance If the respondent has insurance policies What type of insurances policies do you have? house insurance 2022 1 Yes 2 No G2d. type of insurances policies do you havecar insurance G2d. type of insurances policies do you havecar insurance G2d. type of insurances policies do you havecar insurance G2d. type of insurances policies do you havecar insurance G2d. type of insurances policies do you havecar insurance If the respondent has insurance policies What type of insurances policies do you have? car insurance 2022 1 Yes 2 No G2e. type of insurances policies do you haveterrains and/ or crop insurance G2e. type of insurances policies do you haveterrains and/ or crop insurance G2e. type of insurances policies do you haveterrains and/ or crop insurance G2e. type of insurances policies do you haveterrains and/ or crop insurance G2e. type of insurances policies do you haveterrains and/ or crop insurance If the respondent has insurance policies What type of insurances policies do you have? terrains and/ or crop insurance 2022 1 Yes 2 No G2f. type of insurances policies do you haveother................................ G2f. type of insurances policies do you haveother................................ G2f. type of insurances policies do you haveother................................ G2f. type of insurances policies do you haveother................................ G2f. type of insurances policies do you haveother................................ If the respondent has insurance policies What type of insurances policies do you have? other 2022 1 Yes 2 No G2f. type of insurances policies do you haveother................................ G2f. type of insurances policies do you haveother................................ G2f. type of insurances policies do you haveother................................ G2f. type of insurances policies do you haveother................................ G2f. type of insurances policies do you haveother................................ If the respondent has insurance policies What type of insurances policies do you have? other 7 1 ÊÃãíä Úáì ÇáãÍá 1 ãÍá ÊÌÇÑí ÚÞÇÑÇÊ / ãÍáÇÊ ßÑÊ æßÇáÉ ãÍá ÊÌÇÑí G3a. Name of the bank or non-banking financial institution G3a. Name of the bank or non-banking financial institution G3a. Name of the bank or non-banking financial institution G3a. Name of the bank or non-banking financial institution G3a. Name of the bank or non-banking financial institution f the respondent has loans Name of the bank or non-banking financial institution 173 undp ÇáÅÛÇËÉ ÇáÅÓáÇãíÉ ÇáÈäß ÇáÅÓáÇãí ÇáÚÑÈí ÇáÈäß ÇáÅÓáÇãí ÇáÝáÓØíäí ÇáÈäß ÇáÚÞÇÑí ÇáÈäß ÇáæØäí ÇáÅÓáÇãí ÇáÕäÏæÞ ÇáÞæãí ÇáÝáÓØíäí ÇááÌäÉ ÇáäÓæíÉ áÅÞÑÇÖ æÇáÅÓáÇÝ ÇáäãÇÁ ááÞÑæÖ ÇáåíÏÑæáæÌíä ÇáæßÇáÉ ááÞÑæÖ Èäß ÇÓÑÇÆíá Èäß ÇáÃÑÏä Èäß ÇáÅÓßÇä Èäß ÇáÇÓßÇä Èäß ÇáÑÝÇå Èäß ÇáÚÑÈí Èäß ÇáÞÇåÑÉ ÚãÇä Èäß ÇáÞÏÓ Èäß ÝáÓØíä ÊØÑíÑ ÇáÑÇÚí ÌãÚíÉ ÇáÇÊÍÇÏ ÇáäÓÇÆí ÕÏíÞ ÊÇÌÑ ÕäÏæÞ ÇáÊäãíÉ ÇáÝáÓØíäí ÞÑÖ Èäßí ÞÑÖ ÔÎÕí ãÄÓÓÉ ÃÕÇáÉ ãÄÓÓÉ ÇáÅÞÑÇÖ ááãÔÇÑíÚ ÇáÕÛíÑÉ ãÄÓÓÉ ÇáÊÚáíã ÇáÚÇáí ãÄÓÓÉ ÇáÊãæíá ÇáÕÛíÑ ãÄÓÓÉ ÇáÑíÝ ãÄÓÓÉ ÑíÇÏÉ ãÄÓÓÉ ÝÇÊä ãÍØÉ ÇáÊãíãí ááãÍÑæÞÇÊ åíÆÉ ÇáÊÃãíä åíÆÉ ÇáÑæÇÊÈ æßÇáÉ ÇáÛæË æßÇáÉ ÇáÛæË ÏÇÆÑÉ ÇáÊãæíá ÇáÕÛíÑÉ G3b. Name of the bank or non-banking financial institution G3b. Name of the bank or non-banking financial institution G3b. Name of the bank or non-banking financial institution G3b. Name of the bank or non-banking financial institution G3b. Name of the bank or non-banking financial institution f the respondent has loans Name of the bank or non-banking financial institution 23 . ÇáÅÛÇËÉ ÇáÏæáíÉ ÇáÊÃãíä æÇáãÚÇÔ ÇáÊäãíÉ ÇáÊäãíÉ æÇáÇÓÊËãÇÑ ÇááÌäÉ ÇáäÓæíÉ ááÊæÝíÑ æÇáÊÓáíÝ Èäß ÇáÅÓßÇä Èäß ÇáÇÑÏä Èäß ÇáÑÝÇå Èäß ÇáÚÑÈí Èäß ÇáÞÇåÑÉ ÚãÇä Èäß ÝáÓØíä ÞÑÖ ÇáÊÃãíä æÇáãÚÇÔÇÊ ÞÑæÖ ãÄÓÓÇÊ ÕÚíÑÉ ãÄÓÓÉ ÝÇÊä åíÆÉ ÇáÊÃãíä æßÇáÉ ÇáÛæË G3c. Name of the bank or non-banking financial institution G3c. Name of the bank or non-banking financial institution G3c. Name of the bank or non-banking financial institution G3c. Name of the bank or non-banking financial institution G3c. Name of the bank or non-banking financial institution f the respondent has loans Name of the bank or non-banking financial institution 5 ÇááÌäÉ ÇáäÓæíÉ ááÊæÝíÑ æÇáÊÓáíÝ Èäß ÇáÚÑÈí Èäß ÇáÞÇåÑÉ ÚãÇä Èäß ÝáÓØíä ãÄÓÓÉ ÝÇÊä G4a. Loan term (no of months) G4a. Loan term (no of months) G4a. Loan term (no of months) G4a. Loan term (no of months) G4a. Loan term (no of months) f the respondent has loans Loan term (no of months) 169 1853 1 240 35.473 35.214 G4b. Loan term (no of months) G4b. Loan term (no of months) G4b. Loan term (no of months) G4b. Loan term (no of months) G4b. Loan term (no of months) f the respondent has loans Loan term (no of months) 23 1999 1 60 24.913 13.744 G4c. Loan term (no of months) G4c. Loan term (no of months) G4c. Loan term (no of months) G4c. Loan term (no of months) G4c. Loan term (no of months) f the respondent has loans Loan term (no of months) 6 2016 2 48 17 17.053 G5a. Loan type G5a. Loan type G5a. Loan type G5a. Loan type G5a. Loan type f the respondent has loans Loan type 173 1849 1 Consumer Loan 2 Mortgage Loan Sysmiss G5b. Loan type G5b. Loan type G5b. Loan type G5b. Loan type G5b. Loan type f the respondent has loans Loan type 22 2000 1 Consumer Loan 2 Mortgage Loan Sysmiss G5c. Loan type G5c. Loan type G5c. Loan type G5c. Loan type G5c. Loan type f the respondent has loans Loan type 5 2017 1 Consumer Loan 2 Mortgage Loan Sysmiss G6a. Currency G6a. Currency G6a. Currency G6a. Currency G6a. Currency f the respondent has loans Currency 173 1849 1 NIS 2 Foreign Currency (USD) Sysmiss G6b. Currency G6b. Currency G6b. Currency G6b. Currency G6b. Currency f the respondent has loans Currency 22 2000 1 NIS 2 Foreign Currency (USD) Sysmiss G6c. Currency G6c. Currency G6c. Currency G6c. Currency G6c. Currency f the respondent has loans Currency 5 2017 1 NIS 2 Foreign Currency (USD) Sysmiss G7a. Interest rate G7a. Interest rate G7a. Interest rate G7a. Interest rate G7a. Interest rate f the respondent has loans Interest rate 170 1852 1 Fixed 2 variable Sysmiss G7b. Interest rate G7b. Interest rate G7b. Interest rate G7b. Interest rate G7b. Interest rate f the respondent has loans Interest rate 22 2000 1 Fixed 2 variable Sysmiss G7c. Interest rate G7c. Interest rate G7c. Interest rate G7c. Interest rate G7c. Interest rate f the respondent has loans Interest rate 5 2017 1 Fixed 2 variable Sysmiss G8a. Do you have any delays in repayments? G8a. Do you have any delays in repayments? G8a. Do you have any delays in repayments? G8a. Do you have any delays in repayments? G8a. Do you have any delays in repayments? f the respondent has loans Do you have any delays in repayments? 173 1849 1 Yes 2 No Sysmiss G8b. Do you have any delays in repayments? G8b. Do you have any delays in repayments? G8b. Do you have any delays in repayments? G8b. Do you have any delays in repayments? G8b. Do you have any delays in repayments? f the respondent has loans Do you have any delays in repayments? 22 2000 1 Yes 2 No Sysmiss G8c. Do you have any delays in repayments? G8c. Do you have any delays in repayments? G8c. Do you have any delays in repayments? G8c. Do you have any delays in repayments? G8c. Do you have any delays in repayments? f the respondent has loans Do you have any delays in repayments? 5 2017 1 Yes 2 No Sysmiss G9a. Do you face any difficulties making repayments? G9a. Do you face any difficulties making repayments? G9a. Do you face any difficulties making repayments? G9a. Do you face any difficulties making repayments? G9a. Do you face any difficulties making repayments? f the respondent has loans Do you face any difficulties making repayments? 165 1857 1 Yes 2 No Sysmiss G9b. Do you face any difficulties making repayments? G9b. Do you face any difficulties making repayments? G9b. Do you face any difficulties making repayments? G9b. Do you face any difficulties making repayments? G9b. Do you face any difficulties making repayments? f the respondent has loans Do you face any difficulties making repayments? 21 2001 1 Yes 2 No Sysmiss G9c. Do you face any difficulties making repayments? G9c. Do you face any difficulties making repayments? G9c. Do you face any difficulties making repayments? G9c. Do you face any difficulties making repayments? G9c. Do you face any difficulties making repayments? f the respondent has loans Do you face any difficulties making repayments? 4 2018 1 Yes 2 No Sysmiss G10. Did you happen to buy a financial service during the last five years with w G10. Did you happen to buy a financial service during the last five years with w G10. Did you happen to buy a financial service during the last five years with w G10. Did you happen to buy a financial service during the last five years with w G10. Did you happen to buy a financial service during the last five years with w What kind of service was it? Multiple Answers 1982 40 1 Yes 2 No 3 Ido not have 4 No Sysmiss G11 1. What kind of service was it? A consumer loan G11 1. What kind of service was it? A consumer loan G11 1. What kind of service was it? A consumer loan G11 1. What kind of service was it? A consumer loan G11 1. What kind of service was it? A consumer loan What kind of service was it? A consumer loan Multiple Answers 48 1974 1 Yes 2 No Sysmiss G11 2. What kind of service was it? A mortgage loan G11 2. What kind of service was it? A mortgage loan G11 2. What kind of service was it? A mortgage loan G11 2. What kind of service was it? A mortgage loan G11 2. What kind of service was it? A mortgage loan What kind of service was it? A mortgage loan Multiple Answers 11 2011 1 Yes 2 No Sysmiss G11 3.What kind of service was it? Current account G11 3.What kind of service was it? Current account G11 3.What kind of service was it? Current account G11 3.What kind of service was it? Current account G11 3.What kind of service was it? Current account What kind of service was it? Current account Multiple Answers 35 1987 1 Yes 2 No Sysmiss G11 4.What kind of service was it? Bank deposit G11 4.What kind of service was it? Bank deposit G11 4.What kind of service was it? Bank deposit G11 4.What kind of service was it? Bank deposit G11 4.What kind of service was it? Bank deposit What kind of service was it? Bank deposit Multiple Answers 6 2016 1 Yes 2 No Sysmiss G11 5. What kind of service was it? A bank debit card G11 5. What kind of service was it? A bank debit card G11 5. What kind of service was it? A bank debit card G11 5. What kind of service was it? A bank debit card G11 5. What kind of service was it? A bank debit card What kind of service was it? A bank debit card Multiple Answers 4 2018 1 Yes 2 No Sysmiss G11 6. What kind of service was it? A bank credit card G11 6. What kind of service was it? A bank credit card G11 6. What kind of service was it? A bank credit card G11 6. What kind of service was it? A bank credit card G11 6. What kind of service was it? A bank credit card What kind of service was it? A bank credit card Multiple Answers 15 2007 1 Yes 2 No Sysmiss G11 7. What kind of service was it? An insurance policy G11 7. What kind of service was it? An insurance policy G11 7. What kind of service was it? An insurance policy G11 7. What kind of service was it? An insurance policy G11 7. What kind of service was it? An insurance policy What kind of service was it? An insurance policy Multiple Answers 12 2010 1 Yes 2 No Sysmiss G11 8. What kind of service was it? Private pensions G11 8. What kind of service was it? Private pensions G11 8. What kind of service was it? Private pensions G11 8. What kind of service was it? Private pensions G11 8. What kind of service was it? Private pensions What kind of service was it? Private pensions Multiple Answers 3 2019 1 Yes 2 No Sysmiss G11 9.What kind of service was it? Investment in shares G11 9.What kind of service was it? Investment in shares G11 9.What kind of service was it? Investment in shares G11 9.What kind of service was it? Investment in shares G11 9.What kind of service was it? Investment in shares What kind of service was it? Investment in shares Multiple Answers 7 2015 1 Yes 2 No Sysmiss G11 10. What kind of service was it? Investment funds G11 10. What kind of service was it? Investment funds G11 10. What kind of service was it? Investment funds G11 10. What kind of service was it? Investment funds G11 10. What kind of service was it? Investment funds What kind of service was it? Investment funds Multiple Answers 2022 1 Yes 2 No Sysmiss G11 11. What kind of service was it? Loans from Mutual Help Associations G11 11. What kind of service was it? Loans from Mutual Help Associations G11 11. What kind of service was it? Loans from Mutual Help Associations G11 11. What kind of service was it? Loans from Mutual Help Associations G11 11. What kind of service was it? Loans from Mutual Help Associations What kind of service was it? Loans from Mutual Help Associations Multiple Answers 4 2018 1 Yes 2 No Sysmiss G11 12. What kind of service was it? A car/ terrain loan G11 12. What kind of service was it? A car/ terrain loan G11 12. What kind of service was it? A car/ terrain loan G11 12. What kind of service was it? A car/ terrain loan G11 12. What kind of service was it? A car/ terrain loan What kind of service was it? A car/ terrain loan Multiple Answers 6 2016 1 Yes 2 No Sysmiss G11 13. What kind of service was it? Pawning goods G11 13. What kind of service was it? Pawning goods G11 13. What kind of service was it? Pawning goods G11 13. What kind of service was it? Pawning goods G11 13. What kind of service was it? Pawning goods What kind of service was it? Pawning goods Multiple Answers 5 2017 1 Yes 2 No Sysmiss G11 14. What kind of service was it? Loans from Microcredit organizations Credit G11 14. What kind of service was it? Loans from Microcredit organizations Credit G11 14. What kind of service was it? Loans from Microcredit organizations Credit G11 14. What kind of service was it? Loans from Microcredit organizations Credit G11 14. What kind of service was it? Loans from Microcredit organizations Credit What kind of service was it? Loans from Microcredit organizations Credit or other non-banking financial institutions Multiple Answers 24 1998 1 Yes 2 No Sysmiss G11 15. What kind of service was it? Loans from usurers G11 15. What kind of service was it? Loans from usurers G11 15. What kind of service was it? Loans from usurers G11 15. What kind of service was it? Loans from usurers G11 15. What kind of service was it? Loans from usurers What kind of service was it? Loans from usurers Multiple Answers 10 2012 1 Yes 2 No Sysmiss G11 16. What kind of service was it? Loans from relatives, friends, acquaintances G11 16. What kind of service was it? Loans from relatives, friends, acquaintances G11 16. What kind of service was it? Loans from relatives, friends, acquaintances G11 16. What kind of service was it? Loans from relatives, friends, acquaintances G11 16. What kind of service was it? Loans from relatives, friends, acquaintances What kind of service was it? Loans from relatives, friends, acquaintances. Buying on credit (informally) from food shops Multiple Answers 50 1972 1 Yes 2 No Sysmiss G11 17. What kind of service was it? Buying on credit from the electrical applian G11 17. What kind of service was it? Buying on credit from the electrical applian G11 17. What kind of service was it? Buying on credit from the electrical applian G11 17. What kind of service was it? Buying on credit from the electrical applian G11 17. What kind of service was it? Buying on credit from the electrical applian What kind of service was it? Buying on credit from the electrical appliances shops Multiple Answers 47 1975 1 Yes 2 No Sysmiss G12 1. What did you do after you discovered the problem? Nothing G12 1. What did you do after you discovered the problem? Nothing G12 1. What did you do after you discovered the problem? Nothing G12 1. What did you do after you discovered the problem? Nothing G12 1. What did you do after you discovered the problem? Nothing What did you do after you discovered the problem? Nothing Multiple Answers 118 1904 1 Yes 2 No Sysmiss G12 2. I stopped using the service before the contract expired (closed the deposi G12 2. I stopped using the service before the contract expired (closed the deposi G12 2. I stopped using the service before the contract expired (closed the deposi G12 2. I stopped using the service before the contract expired (closed the deposi G12 2. I stopped using the service before the contract expired (closed the deposi What did you do after you discovered the problem? I stopped using the service before the contract expired (closed the deposit, account, sold the unit shares, canceled the insurance contract, etc.) Multiple Answers 54 1968 1 Yes 2 No Sysmiss G12 3. I submitted a grievance to the company which sold me the product G12 3. I submitted a grievance to the company which sold me the product G12 3. I submitted a grievance to the company which sold me the product G12 3. I submitted a grievance to the company which sold me the product G12 3. I submitted a grievance to the company which sold me the product What did you do after you discovered the problem? I submitted a grievance to the company which sold me the product Multiple Answers 7 2015 1 Yes 2 No Sysmiss G12 4. I submitted a claim to the appropriate government authority G12 4. I submitted a claim to the appropriate government authority G12 4. I submitted a claim to the appropriate government authority G12 4. I submitted a claim to the appropriate government authority G12 4. I submitted a claim to the appropriate government authority What did you do after you discovered the problem? I submitted a claim to the appropriate government authority Multiple Answers 16 2006 1 Yes 2 No Sysmiss G12 5. Other...... G12 5. Other...... G12 5. Other...... G12 5. Other...... G12 5. Other...... What did you do after you discovered the problem? Other Multiple Answers 2022 1 Yes 2 No G12 6. Don’t know, Don’t remember G12 6. Don’t know, Don’t remember G12 6. Don’t know, Don’t remember G12 6. Don’t know, Don’t remember G12 6. Don’t know, Don’t remember What did you do after you discovered the problem? Don't know, Don't remember Multiple Answers 8 2014 1 Yes 2 No Sysmiss G12 5. Other............................................... G12 5. Other............................................... G12 5. Other............................................... G12 5. Other............................................... G12 5. Other............................................... What did you do after you discovered the problem? Other Multiple Answers 8 ÅÖØÑÑÊ ááÅÞÊÑÇÖ ãä ÇáÚÇÆáÉ ãÑÉ ÃÎÑì Êã ÃÎÐ Ïíä ãä ÇáÚÇÆáÉ áÊÓÏíÏ ÏÝÚÇÊ ÇáÞÑÖ Êã Íá ÇáãæÖæÚ ãä ÞÈá ãÍÇÓÈ ÇáÈäß ÊæÞÝ ãä ÇáÇÞÊÑÇÖ ÑÇÌÚäÇ ÇáÊÇÌÑ Úãá ÇÖÇÝí áã ÃØáÈ ãäåã äÞæÏ ãÑÉ ÃÎÑì òÓÃáÊ ãæÙÝ ÇáÈäß G13a. Does your household have...?Car G13a. Does your household have...?Car G13a. Does your household have...?Car G13a. Does your household have...?Car G13a. Does your household have...?Car Does your household have...? Car 2018 4 1 Yes 2 No Sysmiss G13b. Does your household have...?Landline telephone G13b. Does your household have...?Landline telephone G13b. Does your household have...?Landline telephone G13b. Does your household have...?Landline telephone G13b. Does your household have...?Landline telephone Does your household have...? Landline telephone 2019 3 1 Yes 2 No Sysmiss G13c.Does your household have...? Mobile phone G13c.Does your household have...? Mobile phone G13c.Does your household have...? Mobile phone G13c.Does your household have...? Mobile phone G13c.Does your household have...? Mobile phone Does your household have...? Mobile telephone 2010 12 1 Yes 2 No Sysmiss G13d.Does your household have...?Does your household have...?Computer (PC) G13d.Does your household have...?Does your household have...?Computer (PC) G13d.Does your household have...?Does your household have...?Computer (PC) G13d.Does your household have...?Does your household have...?Computer (PC) G13d.Does your household have...?Does your household have...?Computer (PC) Does your household have...? Gd. Computer (PC) 2018 4 1 Yes 2 No Sysmiss G13e.Does your household have...? Access to Internet G13e.Does your household have...? Access to Internet G13e.Does your household have...? Access to Internet G13e.Does your household have...? Access to Internet G13e.Does your household have...? Access to Internet Does your household have...? Ge. Access to Internet 2018 4 1 Yes 2 No Sysmiss G14a. The dwelling is … G14a. The dwelling is … G14a. The dwelling is … G14a. The dwelling is … G14a. The dwelling is … The dwelling is... 1. in a central area of the village/town/city 2. in a peripheral area of the village/town/city 3. in other area of the village/town/city 2015 7 1 in the center of the city/village 2 marginlies in the city/village 3 other place in the city/village Sysmiss G14b. The dwelling is … G14b. The dwelling is … G14b. The dwelling is … G14b. The dwelling is … G14b. The dwelling is … G14b. The dwelling is … 1. in a good area 2. in a poor area 3. in a bad-famed area 4. in a rather good area 2015 7 1 good area 2 poor area 3 bad area 4 good some how area Sysmiss H1a. Besides your mother language, what other languages do you speak well enough H1a. Besides your mother language, what other languages do you speak well enough H1a. Besides your mother language, what other languages do you speak well enough H1a. Besides your mother language, what other languages do you speak well enough H1a. Besides your mother language, what other languages do you speak well enough Beside your mother language, what other languages do you speak well enough to take part in a conversation? Hebrew Multiple Answers 2022 1 Yes 2 No H1b. Besides your mother language, what other languages do you speak well enough H1b. Besides your mother language, what other languages do you speak well enough H1b. Besides your mother language, what other languages do you speak well enough H1b. Besides your mother language, what other languages do you speak well enough H1b. Besides your mother language, what other languages do you speak well enough Beside your mother language, what other languages do you speak well enough to take part in a conversation? English Multiple Answers 2022 1 Yes 2 No H1c. Besides your mother language, what other languages do you speak well enough H1c. Besides your mother language, what other languages do you speak well enough H1c. Besides your mother language, what other languages do you speak well enough H1c. Besides your mother language, what other languages do you speak well enough H1c. Besides your mother language, what other languages do you speak well enough Beside your mother language, what other languages do you speak well enough to take part in a conversation? French Multiple Answers 2022 1 Yes 2 No H1d. Besides your mother language, what other languages do you speak well enough H1d. Besides your mother language, what other languages do you speak well enough H1d. Besides your mother language, what other languages do you speak well enough H1d. Besides your mother language, what other languages do you speak well enough H1d. Besides your mother language, what other languages do you speak well enough Beside your mother language, what other languages do you speak well enough to take part in a conversation? German Multiple Answers 2022 1 Yes 2 No H1e. Besides your mother language, what other languages do you speak well enough H1e. Besides your mother language, what other languages do you speak well enough H1e. Besides your mother language, what other languages do you speak well enough H1e. Besides your mother language, what other languages do you speak well enough H1e. Besides your mother language, what other languages do you speak well enough Beside your mother language, what other languages do you speak well enough to take part in a conversation? Russian Multiple Answers 2022 1 Yes 2 No H1f. Besides your mother language, what other languages do you speak well enough H1f. Besides your mother language, what other languages do you speak well enough H1f. Besides your mother language, what other languages do you speak well enough H1f. Besides your mother language, what other languages do you speak well enough H1f. Besides your mother language, what other languages do you speak well enough Beside your mother language, what other languages do you speak well enough to take part in a conversation? Spanish Multiple Answers 2022 1 Yes 2 No H1g. Besides your mother language, what other languages do you speak well enough H1g. Besides your mother language, what other languages do you speak well enough H1g. Besides your mother language, what other languages do you speak well enough H1g. Besides your mother language, what other languages do you speak well enough H1g. Besides your mother language, what other languages do you speak well enough Beside your mother language, what other languages do you speak well enough to take part in a conversation? Other Multiple Answers 2022 1 Yes 2 No H1g. Besides your mother language, what other languages do you speak well enough H1g. Besides your mother language, what other languages do you speak well enough H1g. Besides your mother language, what other languages do you speak well enough H1g. Besides your mother language, what other languages do you speak well enough H1g. Besides your mother language, what other languages do you speak well enough Beside your mother language, what other languages do you speak well enough to take part in a conversation? Other Multiple Answers 332 . 1.00 ÇáåäÏíÉ ÇáíæäÇäíÉ H2. The survey firm could check the way I did the interview. Would you agree to g H2. The survey firm could check the way I did the interview. Would you agree to g H2. The survey firm could check the way I did the interview. Would you agree to g H2. The survey firm could check the way I did the interview. Would you agree to g H2. The survey firm could check the way I did the interview. Would you agree to g The survey firm could check the way I did the interview. Would you agree to give your phone number where you could be reached for verification? 1527 Interview end time Interview end time Interview end time Interview end time Interview end time Interview end time 2012 . 03:30 09:49 10:00 10:01 10:02 10:03 10:04 10:05 10:06 10:10 10:12 10:14 10:15 10:16 10:20 10:23 10:24 10:25 10:26 10:27 10:28 10:29 10:30 10:31 10:34 10:35 10:36 10:37 10:40 10:43 10:44 10:45 10:46 10:47 10:5 10:50 10:51 10:53 10:54 10:55 10:57 10:58 10:59 11:00 11:02 11:03 11:04 11:05 11:06 11:07 11:09 11:10 11:13 11:15 11:16 11:17 11:18 11:19 11:2 11:20 11:21 11:22 11:23 11:24 11:25 11:26 11:27 11:28 11:29 11:30 11:31 11:32 11:33 11:34 11:35 11:36 11:37 11:38 11:39 11:40 11:41 11:42 11:43 11:44 11:45 11:46 11:47 11:48 11:49 11:5 11:50 11:51 11:52 11:53 11:54 11:55 11:57 11:58 11:59 11:7 11:8 12.00 1200 12:00 12:02 12:03 12:04 12:05 12:06 12:07 12:08 12:09 12:10 12:11 12:12 12:13 12:14 12:15 12:16 12:17 12:17625 12:18 12:19 12:20 12:21 12:23 12:24 12:25 12:26 12:27 12:28 12:29 12:30 12:31 12:32 12:33 12:34 12:35 12:36 12:37 12:38 12:39 12:4 12:40 12:41 12:42 12:43 12:44 12:45 12:46 12:47 12:48 12:49 12:5 12:50 12:51 12:52 12:53 12:54 12:55 12:56 12:57 12:58 12:59 12:7 12:8 13:00 13:01 13:04 13:05 13:07 13:09 13:10 13:12 13:15 13:16 13:18 13:19 13:20 13:22 13:23 13:24 13:25 13:27 13:28 13:30 13:31 13:32 13:33 13:34 13:35 13:36 13:37 13:38 13:39 13:40 13:43 13:45 13:46 13:47 13:50 13:51 13:52 13:53 13:54 13:55 13:56 13:57 13:59 14 14:00 14:01 14:03 14:05 14:07 14:08 14:10 14:11 14:12 14:13 14:15 14:16 14:17 14:18 14:20 14:21 14:22 14:24 14:25 14:29 14:30 14:31 14:32 14:33 14:34 14:35 14:36 14:37 14:40 14:41 14:42 14:43 14:44 14:45 14:46 14:47 14:49 14:50 14:52 14:53 14:54 14:55 14:56 14:58 14:59 15:00 15:01 15:02 15:03 15:04 15:05 15:06 15:07 15:09 15:10 15:12 15:13 15:14 15:15 15:17 15:18 15:19 15:20 15:23 15:25 15:27 15:28 15:30 15:31 15:33 15:35 15:36 15:37 15:38 15:39 15:4 15:40 15:42 15:44 15:45 15:47 15:48 15:50 15:53 15:55 15:56 15:58 15:59 16:00 16:02 16:05 16:10 16:12 16:13 16:15 16:17 16:20 16:23 16:25 16:27 16:3 16:30 16:33 16:35 16:36 16:38 16:39 16:40 16:41 16:43 16:45 16:48 16:49 16:50 16:52 16:55 16:57 16:58 17:00 17:02 17:08 17:10 17:14 17:15 17:16 17:17 17:18 17:20 17:22 17:25 17:30 17:35 17:40 17:55 17:56 17:9 18:00 18:10 18:12 18:16 18:20 18:30 18:35 18:37 19:15 19:20 19:30 19:39 1:00 1:003:00 1:01 1:02 1:03 1:05 1:06 1:07 1:07490 1:08 1:10 1:12 1:13 1:15 1:16 1:19 1:20 1:21 1:22 1:23 1:25 1:2590 1:26 1:27 1:28 1:29 1:3 1:30 1:31 1:32 1:33 1:34 1:35 1:36 1:37 1:38 1:39 1:40 1:41 1:42 1:43 1:44 1:45 1:47 1:5 1:50 1:52 1:53 1:54 1:55 1:57 1:58 1:59 1:7 20:00 20:10 20:27 20:37 20:40 20:45 20:5 21:00 21:10 21:20 2:00 2:01 2:02 2:04 2:05 2:06 2:07 2:08 2:09 2:10 2:11 2:12 2:13 2:14 2:15 2:16 2:18 2:19 2:2 2:20 2:21 2:22 2:23 2:25 2:26 2:27 2:28 2:29 2:3 2:30 2:31 2:32 2:33 2:35 2:36 2:37 2:38 2:39 2:40 2:41 2:42 2:43 2:44 2:45 2:46 2:46623 2:47 2:48 2:49 2:5 2:50 2:51 2:52 2:53 2:54 2:55 2:56 2:57 2:58 315 3:0 3:00 3:01 3:02 3:03 3:04 3:05 3:06 3:07 3:08 3:09 3:10 3:11 3:13 3:14 3:15 3:16 3:17 3:18 3:19 3:20 3:21 3:22 3:23 3:24 3:25 3:26 3:27 3:28 3:29 3:30 3:31 3:32 3:33 3:35 3:36 3:37 3:38 3:40 3:41 3:42 3:43 3:45 3:46 3:47 3:48 3:49 3:5 3:50 3:51 3:52 3:53 3:54 3:55 3:56 3:57 3:58 4:00 4:01 4:02 4:03 4:05 4:08 4:10 4:13 4:14 4:15 4:16 4:17 4:18 4:20 4:23 4:24 4:25 4:26 4:29 4:30 4:31 4:33 4:34 4:35 4:36 4:37 4:40 4:41 4:42 4:45 4:48 4:5 4:50 4:51 4:52 4:54 4:55 4:56 4:57 4:58 4:59 4:7 5:00 5:01 5:03 5:05 5:08 5:09 5:10 5:12 5:13 5:14 5:15 5:16 5:18 5:19 5:20 5:23 5:24 5:25 5:27 5:30 5:31 5:33 5:34 5:35 5:37 5:39 5:40 5:41 5:42 5:44 5:45 5:47 5:50 5:51 5:52 5:53 5:55 5:56 5:58 5:59 6:00 6:05 6:10 6:12 6:15 6:20 6:21 6:22 6:23 6:30 6:31 6:34 6:35 6:40 6:45 6:47 6:51 6:56 6:58 7:00 7:15 7:27 7:30 7:31 7:35 7:40 7:43 7:50 8:00 8:25 8:30 8:32 8:35 8:38 8:42 8:43 8:55 8:58 8:8 9:00 9:07 9:10 9:14 9:15 9:17 9:20 9:21 9:25 9:30 9:32 9:33 9:35 9:36 9:40 9:42 9:45 9:47 9:5 9:50 9:55 9:56 9:59