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Assessment of Availability of Consumer Loans in the Regions of Russia

Author

Listed:
  • Anna Aleksandrovna Sysoeva
  • Natalia Vladimirovna Rezepova
  • Elina Ildarovna Abdyukova
  • Zohrab Mnatsakanovich Dokhoyan

Abstract

The article deals with the current situation on the consumer credit market and stresses the need to assess the availability of loans. It gives the analysis of the volume of provided loans to consumers in roubles and foreign currency in 2015 and 2016. The authors consider the dynamics of loans share with overdue payments in total, as well as the average weighted interest rates on consumer loans. The study is conducted to determine the availability of consumer loans in various regions. The article emphasizes characteristics of the basic problems in lending realm considering the present stage of development. The authors discuss the prospects of the consumer credit market in Russia, as well as recommendations on improving procedures of loans disbursement taking into account new credit instruments contributing to the development of consumer activity. The results of the research can be used by credit organizations to make decisions in crisis periods and within unstable circumstances of economic environment progress, as well as within the framework of making policy on the balanced social and economic development of the country.

Suggested Citation

  • Anna Aleksandrovna Sysoeva & Natalia Vladimirovna Rezepova & Elina Ildarovna Abdyukova & Zohrab Mnatsakanovich Dokhoyan, 2017. "Assessment of Availability of Consumer Loans in the Regions of Russia," European Research Studies Journal, European Research Studies Journal, vol. 0(2B), pages 236-250.
    • Handle: RePEc:ers:journl:v:xx:y:2017:i:2b:p:236-250
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    File URL: http://www.ersj.eu/repec/ers/papers/17_2_B_p14.pdf
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    Cited by:

    1. M.M. Makhmudova & A.M. Koroleva & I.V. Denisova, 2018. "Economic and Environmental Activities of an Economic Entity in the Regional Economy," European Research Studies Journal, European Research Studies Journal, vol. 0(4), pages 611-621.
    2. repec:ers:journl:v:volumexxi:y:2018:i:issue4:p:611-621 is not listed on IDEAS
    3. O.V. Berezhnaya & E.V. Berezhnaya & K.S. Chikaeva & M.A. Polivina & V.I. Berezhnoy, 2018. "Opportunities for Assessing the Implementation of the Strategies for the Development of Russia's Macroregions," European Research Studies Journal, European Research Studies Journal, vol. 0(2), pages 551-563.

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    More about this item

    Keywords

    credit system; commercial banks; availability of loans; individual; interest rate; regional bank; relevant factors; conditions; problems; potential of the region;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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