The role of net liquid wealth as household coping strategy

Table 3.42 Net household liquid wealth, by main geographical area. Percentage of all households in respective groups

	Gaza	West Bank camps
Purpose of selling savings
Daily consumption	15	10
Other consumption	2	4
Housing/house building	4	9
Other investments	3	2
Other purposes	1	4
Not sold savings	7	4
No savings	67	68
Purpose of selling gold
Daily consumption	20	15
Other consumption	4	3
Housing/house building	7	9
Other investments	4	3
Other purposes	4	3
Not sold gold	51	44
No gold	11	23
Have debt for:
Any purpose	42	58
Consumption	17	29
Marriage	7	9
Housing	10	22
Invest excl. housing	7	11
Sources of debt
Family	6	9
Relatives	10	7
Friends	16	22
Family and relatives	1	1
Friends and Family and/or relatives	7	8
Other than above	1	10
No loans	58	42
Debt change since border closure
Greater	28	44
Same	7	10
Smaller	3	3
Not applicable	4	1
No loans	58	42
Difficulty repaying loans
Yes	30	45
No	12	13
No loans	58	42
Reason for credits
Cannot pay	19	32
Long-time practice	6	7
No regular salary	23	13
Other	5	2
No credits	46	46
n	955	497

Table 3.43 Net household liquid wealth, by sub-region. Percentage of all households in respective groups. Percentage of all households in respective groups

	Gaza North	Gaza Central	Gaza South	WBC North	WBC South/ Central
Purpose of selling savings
Daily consumption	17	12	14	15	5
Other consumption	3	1	2	5	2
Housing/house building	5		5	14	3
Other investments	3	1	6	3	1
Other purposes	1	1	2	5	2
Not sold savings	8	8	5	3	5
No savings	64	78	66	54	81
Purpose of selling gold
Daily consumption	21	24	18	12	17
Other consumption	3	2	7	3	3
Housing/house building	7	4	7	7	10
Other investments	3	2	5	4	2
Other purposes	5	2	3	3	3
Not sold gold	51	47	51	37	52
No gold	9	19	9	34	13
Have debt for:
Any purpose	42	39	44	62	54
Consumption	17	17	18	34	24
Marriage	7	5	8	8	9
Housing	12	8	9	22	23
Invest excl. housing	5	8	9	15	6
Sources of debt
Family	6	7	6	9	10
Relatives	10	10	11	7	8
Friends	14	17	18	27	18
Family and relatives	2		0	1	1
Friends and Family and/or relatives	9	4	7	7	8
Other than above	1	1	2	12	8
No loans	58	61	56	38	47
Debt change since border closure
Greater	31	21	29	51	38
Same	7	9	6	7	12
Smaller	3	0	4	3	2
Not applicable	2	9	5	2	1
No loans	58	61	56	38	46
Difficulty repaying loans
Yes	30	25	33	53	38
No	12	15	11	10	15
No loans	58	61	56	38	46
Reason for credits
Cannot pay	17	24	21	33	31
Long-time practice	5	7	9	5	8
No regular salary	25	20	22	15	11
Other	6	4	5	2	2
No credits	48	45	44	45	47
n	502	151	302	244	253

Table 3.44 Net household liquid wealth, by refugee status Percentage of all households in respective groups

	Gaza
	Non- refugees	Refugees outside camps	Refugees in camps	Refugees in West Bank camps
Purpose of selling savings
Daily consumption	15	17	14	10
Other consumption	1	3	2	3
Housing/house building	2	4	5	9
Other investments	4	5	2	2
Other purposes	2		2	4
Not sold savings	10	6	5	4
No savings	65	65	70	67
Purpose of selling gold
Daily consumption	22	17	21	15
Other consumption	4	5	4	3
Housing/house building	4	8	8	9
Other investments	4	3	3	3
Other purposes	4	6	3	3
Not sold gold	54	49	48	44
No gold	8	13	13	24
Have debt for:
Any purpose	42	42	42	58
Consumption	16	17	18	29
Marriage	7	7	7	9
Housing	9	11	10	23
Invest excl. housing	9	4	6	11
Sources of debt
Family	7	4	7	10
Relatives	12	10	9	7
Friends	14	15	18	23
Family and relatives	2	2	0	1
Friends and family and/or relatives	6	10	7	8
Other than above	2	2	1	10
No loans	58	58	58	42
Debt change since border closure
Greater	28	28	28	44
Same	9	4	7	10
Smaller	3	4	2	3
Not applicable	2	5	5	1
No loans	58	58	58	42
Difficulty repaying loans
Yes	29	30	31	45
No	13	12	11	13
No loans	58	58	58	42
Reason for credits
Cannot pay	19	15	22	32
Long-time practice	8	7	4	7
No regular salary	26	22	20	13
Other	4	5	6	2
No credits	43	50	48	46
n	347	216	378	483

Table 3.45 Net household liquid wealth, by household wealth index. Percentage of all households in respective groups

	Gaza			West Bank camps
	Household consumer durables by thirds
	Lower	Middle	Upper	Lower	Middle	Upper
Purpose of selling savings
Daily consumption	12	16	18	8	13	9
Other consumption	1	3	3	4	3	3
Housing/house building	2	4	6	6	13	7
Other investments	0	4	6	1	2	4
Other purposes	1	1	3	4	1	7
Not sold savings	2	6	14	5	2	5
No savings	81	66	49	71	65	64
Purpose of selling gold
Daily consumption	22	23	15	15	13	18
Other consumption	4	6	3	2	3	4
Housing/house building	5	8	7	8	8	11
Other investments	2	3	6	3	2	3
Other purposes	2	3	8	3	2	5
Not sold gold	50	48	53	40	49	48
No gold	15	9	7	29	23	11
Have debt for:
Any purpose	41	44	42	57	58	61
Consumption	21	18	10	34	27	21
Marriage	6	9	5	9	7	11
Housing	8	12	11	19	26	25
Invest excl. housing	5	7	9	8	15	9
Sources of debt
Family	4	7	9	7	6	20
Relatives	10	11	9	9	5	7
Friends	18	15	14	22	27	16
Family and relatives	2	2	0	1	2	1
Friends and Family and/or relatives	7	8	8	7	10	5
Other than above	0	2	2	9	9	14
No loans	59	56	58	44	42	39
Debt change since border closure
Greater	29	32	24	45	40	49
Same	6	7	8	10	11	6
Smaller	2	1	7	1	3	6
Not applicable	4	4	3	1	3	1
No loans	59	56	58	43	42	39
Difficulty repaying loans
Yes	31	33	25	45	46	44
No	10	11	17	11	12	17
No loans	59	56	58	43	42	39
Reason for credits
Cannot pay	31	14	10	42	28	16
Long-time practice	5	6	8	7	8	5
No regular salary	19	27	24	14	11	12
Other	1	5	10	1	3	3
No credits	44	48	48	36	50	63
n	365	323	267	231	168	98

Table 3.46 Net household liquid wealth, by main geographical area and discouraged worker in household. Percentage of all households in respective groups

	Gaza		West Bank camps
	Discouraged worker in household?
	No	Yes	No	Yes
Purpose of selling savings
Daily consumption	14	16	10	11
Other consumption	1	4	4	3
Housing/house building	4	4	10	7
Other investments	4	2	2	4
Other purposes	2	0	4	4
Not sold savings	8	5	5	2
No savings	67	68	67	70
Purpose of selling gold
Daily consumption	18	26	14	16
Other consumption	3	6	3	4
Housing/house building	7	6	8	9
Other investments	4	3	2	4
Other purposes	4	4	3	4
Not sold gold	53	45	45	42
No gold	11	11	25	20
Have debt for:
Any purpose	41	47	53	69
Consumption	15	22	26	35
Marriage	5	11	7	13
Housing	11	8	22	23
Invest excl. housing	7	6	13	6
Sources of debt
Family	6	6	8	12
Relatives	10	11	6	11
Friends	14	20	21	25
Family and relatives	1	2	1	1
Friends and Family and/or relatives	8	6	8	6
Other than above	1	2	9	13
No loans	59	53	47	31
Debt change since border closure
Greater	25	37	39	56
Same	7	7	10	9
Smaller	4	1	3	2
Not applicable	5	1	1	2
No loans	59	53	47	31
Difficulty repayingloans
Yes	28	37	44	48
No	13	10	9	21
No loans	59	53	47	31
Reason for credits
Cannot pay	15	29	30	37
Long-time practice	6	6	6	10
No regular salary	22	26	12	14
Other	6	3	2	3
No credits	50	36	50	37
n	681	268	337	157

Table 3.47 Net household liquid wealth, by main geographical area and unemployed worker in household. Percentage of all households in respective groups

	Gaza		West Bank camps
	Unemployed worker in household?
	No	Yes	No	Yes
Purpose of selling savings
Daily consumption	14	23	10	14
Other consumption	2	1	4	3
Housing/house building	4	4	9	12
Other investments	3	9	2	2
Other purposes	1	3	4	4
Not sold savings	7	5	4	2
No savings	69	56	67	72
Purpose of selling gold
Daily consumption	20	26	15	11
Other consumption	4	7	3	5
Housing/house building	7	5	8	4
Other investments	4	4	3	4
Other purposes	4	3	3	5
Not sold gold	52	41	43	62
No gold	10	15	25	12
Have debt for:
Any purpose	41	54	58	63
Consumption	16	30	29	32
Marriage	7	8	9	7
Housing	10	10	22	25
Invest excl. housing	7	5	10	15
Sources of debt
Family	6	8	10	5
Relatives	9	18	8	7
Friends	16	17	23	18
Family and relatives	1	4	1	1
Friends and Family and/or relatives	7	7	7	15
Other than above	1		9	18
No loans	59	46	42	37
Debt change since border closure
Greater	28	34	44	50
Same	7	9	10	6
Smaller	3	2	2	6
Not applicable	3	9	2	2
No loans	59	46	42	37
Difficulty repaying loans
Yes	29	44	45	54
No	12	10	13	9
No loans	59	46	42	37
Reason for credits
Cannot pay	19	21	33	29
Long-time practice	6	4	7	8
No regular salary	23	26	12	16
Other	5	10	2	2
No credits	47	39	46	43
n	856	93	453	40

Table 3.48 Net household liquid wealth, by main geographical area and full-time worker in household. Percentage of all households in respective groups

	Gaza		West Bank camps
	Full-time worker in household?
	No	Yes	No	Yes
Purpose of selling savings
Daily consumption	15	14	10	11
Other consumption	2	3	4	3
Housing/house building	3	5	6	12
Other investments	1	7	3	2
Other purposes	1	2	4	3
Not sold savings	5	10	4	4
No savings	73	58	69	66
Purpose of selling gold
Daily consumption	24	15	17	12
Other consumption	4	4	2	4
Housing/house building	6	8	10	6
Other investments	3	5	3	2
Other purposes	4	4	4	3
Not sold gold	47	57	38	52
No gold	13	6	27	20
Have debt for:
Any purpose	43	42	56	61
Consumption	21	11	35	22
Marriage	5	9	8	10
Housing	8	14	17	29
Invest excl. housing	6	7	8	14
Sources of debt
Family	6	7	9	10
Relatives	11	9	7	8
Friends	16	16	24	20
Family and relatives	2	1	1	1
Friends and Family and/or relatives	7	8	6	10
Other than above	1	2	9	11
No loans	57	58	44	39
Debt change since border closure
Greater	30	26	41	48
Same	6	8	11	8
Smaller	2	4	3	3
Not applicable	4	3	2	1
No loans	57	58	44	39
Difficulty repaying loans
Yes	32	27	43	48
No	11	15	13	12
No loans	57	58	44	39
Reason for credits
Cannot pay	24	11	35	29
Long-time practice	5	8	7	7
No regular salary	26	19	16	9
Other	3	9	1	3
No credits	42	53	41	51
n	601	348	262	231

Table 3.49 Net household liquid wealth, by main geographical area and household size. Percentage of all households in respective groups

	Gaza			West Bank camps
	Total number of persons in household
	1 - 5	6 - 10	11 or more	1 - 5	6 - 10	11 or more
Purpose of selling savings
Daily consumption	15	15	17	11	9	10
Other consumption	1	2	4	4	4	1
Housing/house building	3	5	4	8	9	11
Other investments	2	2	8	2	2	3
Other purposes		2	2	7	2	7
Not sold savings	7	6	10	3	6	3
No savings	73	68	55	65	69	72
Purpose of selling gold
Daily consumption	10	23	30	14	16	13
Other consumption	4	3	7	1	4	6
Housing/house building	7	7	4	10	8	9
Other investments	4	3	4	1	3	5
Other purposes	4	4	4	5	2	1
Not sold gold	58	49	44	43	46	42
No gold	14	10	7	26	22	23
Have debt for:
Any purpose	34	43	52	52	58	75
Consumption	15	16	23	25	30	36
Marriage	6	5	13	10	5	19
Housing	5	14	7	19	23	31
Invest excl. housing	5	6	11	10	11	10
Sources of debt
Family	4	7	7	12	9	4
Relatives	6	12	12	3	10	10
Friends	16	14	21	20	22	32
Family and relatives	1	2	2	0	1	1
Friends and Family and/or relatives	7	7	7	7	6	16
Other than above		1	3	11	8	14
No loans	66	57	48	48	42	25
Debt change since border closure
Greater	21	30	36	38	45	59
Same	5	7	9	8	10	12
Smaller	2	3	5	4	2	4
Not applicable	6	3	2	2	2	1
No loans	66	57	48	48	42	25
Difficulty repaying loans
Yes	26	30	36	38	46	63
No	8	13	17	14	12	12
No loans	66	57	48	48	42	25
Reason for credits
Cannot pay	16	20	22	27	34	40
Long-time practice	7	6	6	5	8	6
No regular salary	17	25	28	11	14	13
Other	3	4	10	1	1	8
No credits	58	44	34	55	43	33
n	297	462	195	186	248	62

Table 3.50 Net household liquid wealth, by main geographical area and labour force member in household. Percentage of all households in respective groups

	Gaza		West Bank camps
	LF member in household?
	No	Yes	No	Yes
Purpose of selling savings
Daily consumption	16	15	12	9
Other consumption	1	3	4	3
Housing/house building	2	5	5	10
Other investments	1	4	3	2
Other purposes	1	2	3	4
Not sold savings	2	9	1	5
No savings	77	63	73	67
Purpose of selling gold
Daily consumption	24	19	17	14
Other consumption	2	5	2	3
Housing/house building	5	7	5	9
Other investments	1	5	5	2
Other purposes	3	4	4	3
Not sold gold	49	51	35	47
No gold	15	9	32	21
Have debt for:
Any purpose	34	46	54	60
Consumption	17	17	39	26
Marriage	3	8	5	10
Housing	4	13	11	26
Invest excl. housing	7	7	9	11
Sources of debt
Family	4	7	2	11
Relatives	8	11	8	8
Friends	14	17	27	21
Family and relatives	2	1		1
Friends and Family and/or relatives	5	8	6	8
Other than above	1	1	9	10
No loans	66	54	47	40
Debt change since border closure
Greater	25	30	44	45
Same	5	8	6	11
Smaller	1	4	2	3
Not applicable	4	4	2	1
No loans	66	54	47	40
Difficulty repaying loans
Yes	28	31	44	46
No	7	15	10	14
No loans	66	54	47	40
Reason for credits
Cannot pay	29	15	48	28
Long-time practice	5	7	6	7
No regular salary	20	24	10	13
Other	1	7	1	2
No credits	45	47	35	49
n	293	655	105	388

Table 3.51 Net household liquid wealth, by main geographical area and lost employment in Israel In household. Percentage of all households in respective groups

	Gaza		West Bank camps
	Household member worked in Israel 92 not 93?
	No	Yes	No	Yes
Purpose of selling savings
Daily consumption	14	17	8	18
Other consumption	2	5	4	3
Housing/house building	4	6	8	12
Other investments	3	6	2	4
Other purposes	1	1	4	2
Not sold savings	7	10	4	3
No savings	70	54	70	58
Purpose of selling gold
Daily consumption	19	28	15	13
Other consumption	4	8	3	3
Housing/house building	6	9	6	16
Other investments	4	3	2	5
Other purposes	4	5	4	1
Not sold gold	52	42	45	43
No gold	12	5	25	19
Have debt for:
Any purpose	40	58	56	67
Consumption	14	33	27	42
Marriage	7	8	9	8
Housing	10	13	21	27
Invest excl. housing	7	3	10	14
Sources of debt
Family	5	12	9	9
Relatives	10	12	7	11
Friends	15	24	21	28
Family and relatives	1	1	1	1
Friends and Family and/or relatives	7	10	7	11
Other than above	1	0	11	7
No loans	60	42	44	33
Debt change since border closure
Greater	25	48	42	56
Same	7	6	10	7
Smaller	3	2	2	4
Not applicable	4	2	2	1
No loans	60	42	44	33
Difficulty repaying loans
Yes	27	47	43	58
No	12	11	13	9
No loans	60	42	44	33
Reason for credits
Cannot pay	19	21	31	37
Long-time practice	6	7	6	14
No regular salary	21	34	13	12
Other	5	8	3	2
No credits	49	30	48	38
n	813	135	409	84

Table 3.52 Net household liquid wealth, by main geographical area and households gender. Percentage of all households in respective groups

	Gaza		West Bank camps
	Male	Female	Male	Female
Purpose of selling savings
Daily consumption	16	7	10	7
Other consumption	2	3	4	3
Housing/house building	4	1	9	7
Other investments	4	1	2	4
Other purposes	1		4	2
Not sold savings	7	4	4	3
No savings	66	84	66	86
Purpose of selling gold
Daily consumption	21	11	16	10
Other consumption	5		3	2
Housing/house building	7	3	8	6
Other investments	4	3	3	2
Other purposes	4	1	4	1
Not sold gold	50	53	46	29
No gold	9	29	20	51
Have debt for:
Any purpose	44	26	59	47
Consumption	18	7	30	24
Marriage	6	10	9	7
Housing	11	4	23	15
Invest excl. housing	7	2	11	11
Sources of debt
Family	6	5	10	2
Relatives	11	3	8	3
Friends	16	13	23	19
Family and relatives	1		1	1
Friends and Family and/or relatives	8	5	8	8
Other than above	1	1	9	15
No loans	56	74	41	53
Debt change since border closure
Greater	30	16	47	24
Same	7	6	9	16
Smaller	3	1	2	6
Not applicable	4	4	1	2
No loans	56	74	41	53
Difficulty repaying loans
Yes	31	21	47	34
No	13	5	13	13
No loans	56	74	41	53
Reason for credits
Cannot pay	19	22	32	39
Long-time practice	7	3	8	14
No regular salary	25	10	13	8
Other	6	1	2	2
No credits	44	65	45	53
n	848	97	444	48

Table 3.53 Employment on household level, by refugee status. Percentage of all households in respective groups

	Gaza
	Non-refugees	Refugees outside camps	Refugees in camps	Refugees in West Bank camps
LF member in household
No	27	32	35	22
Yes	73	68	65	78
Full-time worker inhousehold
No	61	62	68	53
Yes	39	38	32	47
Unemployed worker inhousehold
No	91	90	89	92
Yes	9	10	11	8
Discouraged worker inhousehold
No	78	70	67	68
Yes	22	30	33	32
Household member worked in Israel 92 not 93
No	86	88	84	82
Yes	14	12	16	18
Total number of personsin household
1 - 5	28	38	30	38
6 - 10	48	44	51	50
11 or more	23	18	19	13
Gender of household head
Male	93	88	88	90
Female	7	12	12	10
n	342	215	373	478

al@mashriq                       970126