Our Team
פרופ׳ אביה ספיבק

Prof. Avia Spivak

Avia Spivak is Chairman of The Center for Pension, Insurance and Financial Literacy. Professor Spivak was a co-founder of the program for economics and a senior fellow at the Van Leer Jerusalem Institute. He served as a Deputy Governor of the Bank of Israel during 2002-2006 and was in charge of significant reforms in Financial Stability, the payment system as well as others. He served as Chair of the Economics Department and Dean of The Humanities and Social Sciences Faculty at the Ben-Gurion University of the Negev, as well as the president of the Israel Economic Association.

פרופ׳ דוד לייזר

Prof. David Leiser

Prof. David Leiser is professor emeritus in the Department of Psychology at Ben-Gurion University of the Negev. He holds a B.A. in Mathematics from the Hebrew University of Jerusalem and a Ph.D. in psychology from the University of Geneva, where he was research assistant to Jean Piaget. He specializes in economic psychology and served as President of the Division of Economic Psychology at the International Society of Applied Psychology (IAAP) and of the International Association for Economic Psychology (IAREP). He investigates how lay understanding economic and financial concepts affects behavior.

פרופ׳ רמי יוסף

Prof. Rami Yosef

Prof. Rami Yosef is Full Professor of Finance and Actuarial Science, he is the head of the Insurance and Finance Specialty in the Department of Business Administration and also is the President (Fellow and member) of Israel Association of Value Estimations and Financial Actuaries (F.IL.A.V.F.A., CFV). Prof. Yosef is considered an expert in actuarial science and has provided expert opinions on actuarial and financial matters in legal disputes. In addition, he has served as a consultant to the Ministry of Finance, the Bank of Israel, insurance company pension funds and law firms.

שרית מנחם כרמי

Dr.  Sarit Menahem-Carmi

Dr. Sarit Menahem-Carmi is the Academic Director of The Center for Pension, Insurance and Economic Psychology. Her research expertise is the Israeli economy mainly focusing on the aspects of pension systems, capital markets, and labor productivity. Her dissertation examined the impact of financial media on provident fund consumers and its contribution to efficient credit allocation. Related research projects examined the application of the Compulsory Pension Law for wage-earners in 2008 with respect to the predicted replacement rate for the current workforce and cross-country comparisons of pension systems (first and second pillar).

ד״ר אייל כרמל

Dr. Eyal Carmel

Dr. Carmel holds a Master’s degree in Social Psychology and a Ph.D. Both from the department of Psychology at the Ben-Gurion University of the Negev. Eyal’s dissertation studied the influence of financial literacy on financial behavior, a topic in which he published several papers in academic journals and books. Today Eyal works at the Israeli administration for public transportation. In his role he combines ideas from behavior research with methods of Big Data analysis to support planning and improved the service level of public transportation.


דניאל גוטליב

Prof. Daniel Gottlieb

Prof. Daniel Gottlieb Associate Professor at the School of Social Work and Social Welfare at the Hebrew University (2015-2021). Major fields of research interest - social security and social insurance policy; poverty, inequality and social class analysis.


אביעד טור סיני

Prof. Aviad Tur-Sinai

Prof. Aviad Tur-Sinai is a Full Professor at the School of Public Health, the Faculty of Social Welfare and Health Sciences, University of Haifa. He specializes in research on welfare and health economics, economics of the elderly, and labor economics. Today he is a principal investigator at the Minerva Center on Intersectionality in Aging (MCIA), and a research associate at the Taub Center for Social Policy Studies.


חיים קידר לוי

Prof. Haim Kedar-Levy

Prof. Levy is an associate professor in the faculty of Business and Management, at Ben Gurion University. His research addresses theoretical and empirical functioning of financial markets. Published theoretical and empirical papers in leading finance journals, some won prestigious awards.


טוביה חורב

Prof. Horev Tuvia

Prof. Horev was a senior consultant in health-administration and Head of Insurance System of HMO. He served also in the Ministry of Health, as deputy for Economics and Insurance and as Senior Deputy for Strategic and Economic Planning. He is Associate-Professor (retired) in the dep of Health Systems Management in Faculty of Management at BGU.


רוית רובינשטיין

Dr. Ravit Rubinstein-Levi

Dr. Rubinstein-Levi has a Ph.D. degree in finance from the Ben-Gurion University of the Negev. Her dissertation presented an aggregation model aimed to improve the pension income of disadvantaged employees and reduce government spending on support payments to retirees.


ירון להב

Dr. Yaron Lahav

Dr. Yaron Lahav is a senior lecturer of finance in the Department of Business Administration at Ben-Gurion University of the Negev. His research is mainly based on behavioral and experimental finance, expectations formation, and decision making.


תהילה קלעג׳י

Dr. Tehila Kalagy

Dr. Tehila Kalagy is a faculty member in the Department of Management and Public Policy, at Ben Gurion University of the Negev, and a visiting researcher at the Taub Institute. Her main specialization focuses on the study of minority policy, with an emphasis on ultra-Orthodox and Arab society in Israel.


תומר שושי

Dr. Tomer Shushi

Dr. Tomer Shushi is a lecturer in the Department of Business Administration, Guilford Glazer Faculty of Business and Management, Ben-Gurion University of the Negev. Tomer's research focuses on risk management and risk measurement, actuarial science, uncertainty, and finance.


עומר סליבנסקי

Omer Selivansky Eden

Omer is a researcher at the Center for Governance and the Economy in the Israel Democracy Institute. His research interests include Behavioural Insights in Public Policy, Soft Regulatory Tools and Education Reforms. Omer holds an M.A in Economics from Ben Gurion University.


יואב גפני

Yoav Gafni

Yoav is a former deputy the manager of the capital market, insurance and savings authority. He was responsible for licensing, institutional investment regulation, insurance agents and financial services regulation in the authority. He holds
M.A in economics from Tel Aviv University.


יאיר כוכבי

Dr. Yair Kochav

Dr. Kochav research focus in long time saving and pension schemes. As part of his doctoral dissertation, Yair studied the possible emergence of a “Dutch disease” due to the high-tech sector in Israel, and looked for possible solution using pension savings as a government-backed risk insurance.


שרית סבן

Dr. Sarit Saban

Dr. Sarit Saban has completed PhD in psychology studies at the Department of Psychology at Ben Gurion University. She is a certified clinical psychologist. Sarit's doctoral dissertation deals with the mapping of maladaptive economic behaviors to familiar personality traits.


שנהב מלול

Shenhav Malul

Shenhav Malul is a PhD student at the Department of Business Administration at Ben Gurion University of the Negev. Her main areas of expertise are: taxes, accounting, pensions and actuary.


Sharona Tasdok-Rosenbluth

Sharona (CPA) is a PhD student in the Department of Health Systems Management at Ben-Gurion University of the Negev. Sharona's doctoral dissertation deals with finance and insurance in the field of Long-Term Care. Sharona has over 15 years of experience in financial and operational management.



Rachel Zaken

Rachel Zaken researches the pension system and the labor market in Israel. She holds a master's degree with honors in public policy from Tel Aviv University, a master's degree in Environmental Economics and Management, and a bachelor's degree in Statistics from the Hebrew University of Jerusalem.

In her master's thesis, she examined the behavior of senior citizens regarding the means test and its impact on their employment. In her doctoral degree, she intends to study the behavior of savers and their motives for withdrawals from the pension fund before retirement


מיכל לוי

Michal Levy

Michal Levy holds a master’s degree in social psychology. Michal's research discussed the importance of starting to save for retirement at an early age, in light of the impact of compound interest on savings, and its impact on the willingness to save for retirement among young adults.


אלכס אלייב

Alex Ilyaev

Alex is an M.A student at the department of psychology, at Ben-Gurion University. Alex's M.A thesis focuses on a psychological phenomenon called Present Bias, the effect of Covid-19 on this phenomenon, and their link to the willingness to save for pension among young adults.


יעל מינץ

Yael Mintz

Yael is a graduate student in social psychology and data science at the Ben-Gurion University of the Negev. Yael’s MA thesis will focus on the psychological meanings and implications of insurance versus economical implications and meanings of insurance