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Characterization of debtors of execution according to the socioeconomic status of their place of residence

Author: Rafi Golan
The study focuses on execution debtors, and its main goal is to examine the socioeconomic profile of debtors, in order to provide key insights and characterize debtors in the Enforcement and Collection Authority.


The study deals with the characterization of debtors in the execution system in order to provide insights into whether it is possible to characterize debtors from a socioeconomic perspective through the use of administrative files in the Enforcement and Collection Authority, and their receipt into aggregate administrative files located in the various government ministries. We focused on inventory receivables (debtors who have files in the inventory of open files, as of December 31, 2016) and current debtors (debtors for whom a file was opened at the Execution Office in 2013). The work is intended first and foremost to characterize debtors and provide insights to the government, the private sector, the third sector, academia and the community in general.

The study used detailed data available to the Enforcement and Collection Authority about debtors, such as: the debtor’s address, the amount of debt at the opening of the file, the type of file, and more. By settling the debtor, it was possible to use data from the Central Bureau of Statistics in order to gain insights into whether it is possible to characterize the different debtors in cross-sections of socioeconomic characteristics, in order to understand whether there are different types of debtors and whether it is possible to identify different patterns between them.

The characterization of the debtors was carried out on the existing private debtors in the Execution Office. We examined the prevalence of debtors, their age, the amount of their debt, the types of their cases, the restrictions imposed on them, the prevalence of those against whom there are cases, both at the Execution Office and at the Fines Collection Center – all by means of a segmentation into the socioeconomic level of the locality in which they live and the sector of the locality in which they live.

This work can be used to expand the information for the annual report on the activities of the Enforcement and Collection Authority, which is published annually. The information published in the annual report is in terms of the files and the activity carried out in them; The information presented in this study is in terms of the debtors.

The structure of the work is as follows: the methodology chapter — explains the administrative data that are processed for the purpose of the work; The literature review chapter presents the socioeconomic index and its use in other government ministries; The findings section presents the findings on debtors in various segments; And the conclusions section summarizes the findings.

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