In 2024, Ukrainians took out more than 8.3 million microloans for a total amount of almost UAH 52 billion, which is 27% more than in 2023. This is reported by Opendatabot, writes UNN.
Details
"More than 8.3 million loan agreements for a total amount of UAH 51.69 billion were concluded by Ukrainians in 2024. Although the number of agreements concluded has hardly changed compared to 2023, the volume of loans has increased by as much as 27%," Opendatabot reports.
The average amount of a microloan has also increased significantly - by 26%. If in 2023, microfinance organizations (MFIs) borrowed an average of UAH 4,926, then last year this figure increased to UAH 6,217.
"On average, microcredit organizations issued 693 thousand loans per month, but the number of microloans varied month to month," Opendatabot notes.
It is reported that the most microloans were taken out in the third quarter: about 729 thousand loans per month. At the end of the year, demand for loans decreased to about 691 thousand, but borrowers began to more actively close old debts.
That is, last year Ukrainians not only took out more loans, but also accumulated debts. For example, in the first three quarters, microloan debt doubled: from UAH 9.3 billion to UAH 18.47 billion. And despite the fact that by the end of the year the debt decreased by UAH 2.7 billion, this did not help to improve the overall picture. At the beginning of 2025, the total amount of debt to MFIs amounted to UAH 15.77 billion, which is 1.7 times or UAH 6.47 billion more than a year ago.
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