RusBankrot
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05/12/2025
Friday
THIS DAY IN HISTORY:
5 December 
1936 The Stalinist Constitution of the USSR was adopted.
1936 the Stalinist constitution of the USSR was adopted.
1484 Pope Innocent VII initiated the "witch hunt".
1456 An earthquake that destroyed Naples occurred - 35 thousand people died.
1456 occurred an earthquake that destroyed Naples - 35 thousand people died.
5 December
1936 The Stalinist Constitution of the USSR was adopted.
1936 the Stalinist constitution of the USSR was adopted.
1484 Pope Innocent VII initiated the "witch hunt".
1456 An earthquake that destroyed Naples occurred - 35 thousand people died.
1456 occurred an earthquake that destroyed Naples - 35 thousand people died.
THE MICROLOAN MARKET IS SLOWING DOWN, BUT THERE ARE MORE CUSTOMERS
The microloan market showed contradictory dynamics at the beginning of 2025: the total volume of loans issued decreased, but the number of borrowers increased to a record 24.3 million people. The main beneficiaries were bank MFIs, which increased their portfolio by 11%, while classic MFIs barely maintained growth (1.5%).
According to the SRO Mir data provided by Vedomosti, microfinance organizations issued 4% fewer loans in the first quarter than at the end of 2024 — only 328 billion rubles. However, the sector's customer base, on the contrary, expanded dramatically, adding 10.5% and reaching 24.37 million borrowers.
Experts explain this paradox by structural changes in the market. Banking MFIs that are part of credit institutions and marketplaces are actively luring customers away by offering more favorable terms. Their portfolio grew to 228.9 billion rubles, while traditional MFIs were able to increase volumes by only 1.5%.
The key driver of growth was the so—called "bank refuseniks" - customers who did not receive approval for classic loans. In addition, the market is gradually shifting towards longer-term products: loans for several months or even a year are now counted in the portfolio for longer, creating a delayed growth effect.
Analysts predict a restrained trend in the coming quarters. The tight regulation of the Central Bank and the high debt burden of the population are holding back activity, but the summer season may provide a small boost due to the traditional growth in consumer spending. At the same time, according to experts, banking MFIs will continue to increase their presence and by the end of the year they can control 55-60% of the market.
Photo: Freepik
According to the SRO Mir data provided by Vedomosti, microfinance organizations issued 4% fewer loans in the first quarter than at the end of 2024 — only 328 billion rubles. However, the sector's customer base, on the contrary, expanded dramatically, adding 10.5% and reaching 24.37 million borrowers.
Experts explain this paradox by structural changes in the market. Banking MFIs that are part of credit institutions and marketplaces are actively luring customers away by offering more favorable terms. Their portfolio grew to 228.9 billion rubles, while traditional MFIs were able to increase volumes by only 1.5%.
The key driver of growth was the so—called "bank refuseniks" - customers who did not receive approval for classic loans. In addition, the market is gradually shifting towards longer-term products: loans for several months or even a year are now counted in the portfolio for longer, creating a delayed growth effect.
Analysts predict a restrained trend in the coming quarters. The tight regulation of the Central Bank and the high debt burden of the population are holding back activity, but the summer season may provide a small boost due to the traditional growth in consumer spending. At the same time, according to experts, banking MFIs will continue to increase their presence and by the end of the year they can control 55-60% of the market.
Photo: Freepik
23.05.2025
