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Debt book.. A haven for Jordanians in the face of difficult economic conditions

Amman Today

publish date 2022-02-23 14:39:12

Jordan News

Emad Abdel Karim

Over the past years, and before the spread of malls and supermarkets with attractive shelves in the shape and color of goods, the shop and the dakkanji were the most important beautiful aspects in the village and neighborhoods, and what was known as “the book of religion” was one of the most important rituals that continue to this day despite the great development we have witnessed in the issue of trade and shopping I got to the point of delivering the purchases home.

The secrets and financial conditions of families are among the most prominent hidden secrets of the “debt books”, which have been a haven for families and low-income families during the past decades.

Perhaps the citizens’ conditions and living conditions forced them to transfer many of their purchases to the “debt book” due to the monthly obligations such as electricity, water, apartment rent and car petrol, and the reduction of families’ expenses on food and their transfer to the debt book.

“The Debt Book” is no longer limited to “the shop” and what it sells of basic foodstuffs, but rather extends to vegetable and poultry stores and even bakeries. It revealed the existence of a debt book in them.

The month is long and the salary life is short

Abu Muadh, a citizen who works in a government job in one of the ministries, says that he borrows many of his monthly needs from the supermarket in the neighborhood in which he lives, at least 70 dinars per month, and in some months the amount exceeds that, and the reason is that the family’s food requirements cannot be Short them or stop buying some, and the money is not always available in his pocket.

In his interview with Jordan News, he pointed out that the days of the month are long and he needs many purchases, while the salary is running out quickly, forcing him to debt after the tenth day of the month.

He added that the obligations are numerous and many, such as house rent, electricity and telephone bills, car installments, and petrol, which has become a huge burden and takes the largest part of the salary. And he indicated that he is obligated to pay his debts on a monthly basis upon receiving the salary, despite his certainty that what remains is hardly enough until the middle of the month, but he does not delay the store owner for fear of accumulating debts on the one hand and who requested them by the merchant at a time when he does not own them.

The debt book is a haven for most classes of society

Abu Amjad Malik (Dukana) since 1995 in one of the neighborhoods of villages near Amman, said that the debt book did not stop in Dokana throughout that period, despite the decline in sales and debt in general due to the spread of supermarkets and malls, but customers return to it from time to time to take Simple needs do not need to go to the big mall.

He adds that some debts continue for months, especially since the spread of the Corona pandemic, as citizens are no longer able to pay and monthly commitment to them, noting that he has stopped giving purchases to anyone who exceeds the 100 dinars debt until he pays what he owes.

He adds that he has noticed over the past years that all segments of society have become indebted to the book, as it was previously limited to day laborers, farmers or retired people with simple salaries, but today it includes all segments of employees, stakeholders, and even women and housewives are asking to buy. By religion.

Abu Amjad says that he “has noticed a change in consumption behavior, as families have abandoned the luxuries that were yesterday close to the basics. He adds that he does not prefer to work in the “religion” book, but the circumstances of life and his knowledge of the reality of the people of his neighborhood make him obliged to agree to take into account their circumstances.

debt book recovery

For his part, the expert and economic analyst, Zayan Zawana, believes that the debt book is linked to the old days of the neighborhood shop, and it was usually a “single shop” that served a large area of ​​the population and provided everything the family needed from food and supplies, vegetables, meat and sometimes bread.

In statements to “Jordan News”, he said that with the development of life and the spread of supermarkets and mega malls, this shop almost disappeared, incomes improved and the commercial movement and malls developed, as the majority of citizens turned to these large malls that do not deal with religion at all.

He added that during the past years, as a result of the weak economic conditions and the stability of salaries, without increasing the decline of many citizens, and they were no longer able to secure the necessities of life, buying returned through “debt”.

Zawana explained that the Corona pandemic and the closures that the country witnessed, the neighborhood store returned to the fore and its commercial role revived again, and the “Book of Debt” interacted with it, indicating that even after opening the sectors, we noticed the weakness of the commercial movement on the malls and the consumer institution, and the situation was no longer the same as it was before for reasons related to b Weak income, little in the pocket, and attempts to dispense with luxuries at the expense of basic necessities.

And he indicated that the citizen has adapted to a new living life with low income, high prices and the spread of unemployment, and has started to manage himself from the beginning of the month until the end, and it can be described that the citizen in this procedure only wants to “conceal himself.”

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Jordan News

Source : اخبار الاردن

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