NKKI: During the year, the average loan "before salary" in Russia grew by 8%

Over the year, the average microloan size in Russia grew by July of this year by 8% - from 8976 rubles to 9707 rubles. The size of the loan "to salaries" increased in the segment of borrowers from 25 to 29 years old, the National Bureau of credit stories (NBKI) reports , based on the analysis of data from 3 thousand creditors working in the field of microfinance (MFIs, MFC, KPKA others).

"Over the past year, the average microloan size (" loan to salary ") grew in all age categories of borrowers. At the same time, the highest growth dynamics was demonstrated in the age group of borrowers from 25 to 29 years old. Here the average microloan size in the II quarter of 2017 amounted to 9.8 thousand rubles (in the II quarter of 2016 - 8.8 - 8.8 thousand rubles), ”it was said in the message of Nkki.

The lowest growth of microloan among all age categories of borrowers was recorded in the age group of borrowers from 30 to 39 years. In the II quarter, the loan size in this group grew by 5.8% to 10.9 thousand rubles over the year.

"The smallest average size" loan to salary "is still among borrowers under 25 years of age - 7.8 thousand rubles, and the largest - in the age group from 40 to 49 years (11.6 thousand rubles)," the NBKI noted.

The highest dynamics of medium -sized “loan to salary” was recorded in Stavropol (+35.5%), Krasnodar (+26.9%) and Altai (+24.0%) edges. In a number of regions, the average microloan size for the year decreased: in Omsk (by 27.1%) and Leningrad (by 13.4%) regions, as well as the Republic of Sakha (Yakutia) (by 6.9%).

“The average size of microloans is growing in all age categories of borrowers, but most in the segment of up to 30 years,” the general director of NBKA Alexander Vikulin explained in this regard. “The MFIs have always attracted young people quite actively, despite the fact that this segment of borrowers is quite risky. However, the model of the business of microfinance organizations allows you to provide borrowed borrowers and at the same time Effectively manage credit risk in order to minimize your own losses.