MOSCOW, March 28 – RIA Novosti. According to a study by the Webbankir online finance platform, the results of RIA Novosti, loans in microfinance institutions in Russia are mostly taken by trade workers and, above all, returned by security guards, financiers and lawyers.

Analysis of more than 100,000 short-term loans, “So in 20% of cases, loans in Russia are taken by trade workers. The second largest category of borrowers are mining industry employees. They make up almost 7% of all loans issued.” Term loans given in January-March showed 2023.

This is followed by mechanical engineering and heavy industry with 6%, logistics and transportation with 5.4%, education with 5.2%, health with 5%, and light and food industry with 4.8%. Representatives of security and law enforcement agencies receive a total of 4% of loans. IT professionals – 3.3%. The share of debtors working in the catering area is the same.

According to the study’s authors, in 3% of cases, MFI clients are individuals from the financial sector, insurance companies and banks. And approximately the same number of debtors are federal and municipal employees, as well as representatives of the legal professions. Finally, about 2% of each are workers in the tourism industry and agriculture.

“The rate of defaults among trade workers is 8%. And the highest punctuality is shown by law enforcement representatives, financiers – 6% and, unsurprisingly, lawyers – 4%,” the analysts said.

At the same time, the average amount of loans from trade, according to Webbankir, is not the largest – 8.7 thousand rubles. According to this indicator, the undisputed leaders are employees in the field of finance and insurance: the average size of their loans is 10.2 thousand rubles. These are followed by federal and municipal employees – 9.5 thousand rubles, and IT specialists – 9.2 thousand rubles. Representatives of legal professions, law enforcement, advertising and the media receive an average of 9 thousand rubles in loans.