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MOSCOW, June 22 The approval rate of applications for microloans for IT specialists in the spring of 2024 increased to 67.1% from 36.8% a year earlier, it is said in a study of the online lending service «Robot Borrower», which is available.
“The approval rate for applications for IT specialists increased from 36.8% to 67.1% in the spring of 2024,” the materials say. 
Approval levels are noted to have increased across all professions, but more so for some than others. Thus, for business owners, the share of approved applications increased by 22.9 percentage points, for the self-employed — by 20.8 percentage points, as well as industrial workers — by 19.9 percentage points.
Analysts found that in general, in the spring of this year, loan applications were most often approved by financiers (approval rate 69.4%), business owners (68.2%), self-employed (67.8%), IT specialists were in fourth place ( 67.1%). The least likely to receive approval were farmers (46.7%), drivers (50.2%) and builders (53.2%).
«Financiers are traditionally leaders in terms of approval — their professional competencies give them a high level of responsibility and financial literacy. Business owners and self-employed people, due to the specifics of their activities, are also distinguished by developed financial planning skills and a fairly high level of income, which also has a positive impact to assess the borrower’s profile. The latter is also relevant for IT specialists, allowing them to be among the top 4 professions in terms of approval level,” analysts explained.