Men more often than women take out loans from microfinance organizations, the age of borrowers usually does not exceed 35 years, and their salary is no more than 50,000 rubles. Such data were provided to RIA Novosti by Russian MFOs.
MFIs are most often approached by service or retail workers, while borrowers include agricultural and food industry workers, Webbankir reported.
According to the MFC “Seimer”, some of the borrowers have a technical education and work at industrial enterprises. IDF Eurasia has many clients from the public sector, advertising industry, lawyers and financiers also meet.
The average microloan amount is 10,000 rubles, the term does not exceed 23 days, the agency calculated based on the companies’ data. Russians turn to MFIs to cover daily and urgent needs, repairs and large purchases.
Most borrowers who want to get a loan already have at least one active loan. They have a good credit history and no delinquencies. According to “Zimer”, now organizations do not give loans to clients with a bad “financial record”.
Other information is given by the director of SRO “MiR” Elena Stratyeva. According to her, many borrowers have no credit history or it is minimal.
Citizens of Siberia and the Far East began to take loans more often, according to the Zaimer multifunctional complex.
“If we correlate the population of each of the regions with the quantitative issue of loans in dynamics, in 2021 we can record a decrease in the“ density ”of loans in Moscow and St. Petersburg with a simultaneous growth of the same indicator in Yakutia, NAO, Tyva, Altai, Sakhalin “, – the agency quotes the organization.
The smallest average salary of MFO clients is named by the self-regulatory organization “Mir” – less than 30,000 rubles, the largest amount was recorded in Webbankir – 40,000-50,000 rubles.
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