Do debtors pay in the end? When and how do they do it? And, a priori, is it always easy to get in touch with each other, track them down, maintain profitable and regular relationships? What is the debtor’s identikit, in which areas of Italy and for which professions is the category most present? Your age, your social inclusion?
When and how do they do it? And, a priori, is it always easy to get in touch with each other, track them down, maintain profitable and regular relationships? What is the debtor’s identikit, in which areas of Italy and for which professions is the category most present? Your age, your social inclusion?
Answering these and other questions is the goal of Good Finance, the latest experiment-project launched at Good Finance’s home within Good Finance, the company’s division dedicated to studying, training, promotion, and generally parallel activities with respect to the main mission.
Sicily leads by absolute number, in the North Veneto stands out. Almost all of them are unemployed, employed or retired, but several own ones or more properties.
He lives in the south and is over forty years old. It’s a boy. He is an employee or unemployed, often has an income of fewer than 1,000 USD per month.
It risks confirming several “stereotypes”, but this is the portrait of the Italian debtor outlined by the first DebtScreening.
The data refer to a very large number of registry and asset searches and searches, carried out in favor of large banks, financial institutions, insurance companies, and utilities.
As already mentioned, the aggregated and processed information primarily provides a snapshot of the debtor, accompanied by the detection of the “most sensitive” behaviors, that is, related to the relationship with the creditor in the recovery phase, which is more widespread.
The report attests, first of all, that the debtor is of Italian nationality in 74% of cases and male in a similar percentage, 71 cases out of 100.
As many as 76% of the practices dealt with by Good Finance refer to people over the age of forty, while 5% of the fixed income earners – employees and retirees – cannot count on income in excess of one thousand USD each month.
Geographical observation shows an ‘indebted’ South for almost half of the national figure: 47% of the cases considered refer to people living in the South, to which 12% of the Islands are added. Fewer debtors to the Center than to the North: 17 against 24%.
Bringing the magnifying glass a little closer to the map of the boot, the first surprises: if Sicily appears to be the first region by a number of indebted people, followed a short distance from Calabria and Lazio, the golden palm in the north of the country it is up to Veneto.
The unemployed, employees, and pensioners appear to be the categories in greatest suffering: together they grab 96% of the total, respectively with 38, 32, and 26%. the meager 4% remaining is the preserve of other occupations. 50% of the unemployed are in the Southern area strictly speaking.
The research, therefore, narrows the objective, focusing on some details and, as anticipated, on frequent behaviors in the management of the relationship with the creditor or with the subjects to whom the latter addresses to facilitate the return of the sums paid.
Thus we find, for example, that the vast majority of the “wanted” are available (83%, with another 7% of the deceased), but that among the unavailable as many as 94% live between the Center and the South.
Only in 7% of the cases are there negativities – protests, prejudicial, bankruptcy proceedings – charged to the debtor traced, with Lombardy, surprising first classified at the territorial level, which precedes by number Puglia, Campania, Lazio, and Sicily.
Lastly, 34% of the debtors own properties, and among these 20 out of a hundred have 2 or 3 assets, while 8 of an even greater number. Confirming the Italian preference for brick, it turns out that even a quarter of the unemployed still owns one or more real estate.