Microloans in Russia are best returned by the security forces, a study showed

MOSCOW, March 28 Loans in microfinance organizations in Russia are most often taken by trade workers, and security officials, financiers and lawyers best of all return them, it says in a study of the online financial platform Webbankir, the results of which are available from .
«So, in 20% of cases, loans in Russia are taken by trade workers. The second largest category of borrowers is employees of the mining industry. They account for almost 7% of all loans issued,» an analysis of over 100,000 short-term loans issued in January-March showed. 2023.
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This is followed by engineering and heavy industry — 6%, logistics and transport — 5.4%, education — 5.2%, healthcare — 5%, light and food industry — 4.8%. Representatives of security and law enforcement agencies take a total of 4% of loans. IT specialists – 3.3%. The share of borrowers working in the field of public catering is the same.

According to the authors of the study, in 3% of cases, MFI clients are people from the financial sector, insurance companies and banks. And about the same number of borrowers are representatives of legal professions, as well as federal and municipal employees. Finally, about 2% each is accounted for by workers in the tourism industry and agriculture.
«The share of defaults among trade workers is 8%. And the greatest punctuality is demonstrated by representatives of law enforcement agencies, financiers — 6% and, not surprisingly, lawyers — 4%,» analysts said.
At the same time, the average amount of loans from people from trade, according to Webbankir, is not the largest — 8.7 thousand rubles. According to this indicator, the undisputed leaders are employees of the sphere of finance and insurance: the average size of their loan is 10.2 thousand rubles. They are followed by federal and municipal employees — 9.5 thousand rubles, as well as IT specialists — 9.2 thousand rubles. Representatives of legal professions, law enforcement agencies, advertising and the media take loans on average for 9 thousand rubles.