Since the beginning of the year, Ukrainians have taken loans for 30 billion
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From 9 months since the beginning of the year, Ukrainians issued 6 million loans for a total amount of 29.1 billion hryvnias. In addition to the increase in the number of microloans, the average loan amount and the total amount owed on them also increased.
This is reported by Opendatabot with reference to data from the National Bank.
From January to September, 6 million new credit agreements were signed in Ukraine for a total amount of 29.1 billion hryvnias – more than in the whole of 2022, but 1.8 times less than in 2021, when Ukrainians took out 10.8 million microloans in the amount of UAH 48.4 billion.
On average, 715,000 new microloans were registered per month in the 3rd quarter. Compared to the decline at the beginning of the great war, this year the number of new loans in MFIs increased. But this is still 1.7 times less than the corresponding monthly average of 2021 (1.23 million).
In 2023, the number of signed contracts will increase by 7% every quarter.
Another anti-record in the third quarter was the average size of a microcredit – 4,985 hryvnias. This is the largest amount since the start of the full-scale invasion and almost a third more than in the corresponding period in 2021.
Also, debt for microloans continues to grow – by 6% per quarter. Thus, as of the end of September, the debts of Ukrainians to MFIs reached 9.44 billion hryvnias. “Even though Ukrainians actively paid off their debts during 2022 and significantly reduced the amount of the total debt, already this year it increased again: by 1.4 billion hryvnias. It is worth noting that more than half of the new debts – 757 million hryvnias – arose in the first quarter of this year,” the analysts summarized.
We remind you:
The Verkhovna Rada at its meeting on November 22 approved in general, draft law No. 9422, which limits microcredit rates to 1% per day.
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