Why did some owners receive Kalberg's SMS, but some tenants did not? With the beginning of the process of identifying the beneficiaries of the increase in credit on the credit card, receiving a self-declaration SMS from some of the owners and on the other hand not receiving it from some of the tenants with a lower income, created questions about the selection criteria of the beneficiaries; The main question is, based on which indicators was the economic situation of the households assessed and why were some households included in the initial list, but others are still awaiting allocation?