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Borrowers of microfinance institutions are not as poor as commonly believed. Studies of MFIs indicate that increasing the income of borrowers and the average amount of loan taken by them. Moreover, among the borrowers of MFIs, the proportion of iPhone owners.
experts of the analytical centre online loans "Robot Timer" analyzed data from 90 thousand borrowers who have applied for the services of the company in the first half of 2017. It turned out that every fifth client who took state entities in the company, is the owner of the iPhone (20 and 49%). In second place with a slightly lower result (19 and 73%) — the owners of Samsung. Completing the top three owners of Lenovo (7.61 percent). In General clients of the company were named about 40 manufacturers of smartphones in various price categories on the basis of this information was compiled the ranking of the most common brands from borrowers.
it is Noteworthy that the popularity of Apple smartphones is growing steadily. Talk about this data and service "Robot Timer", and the service of the MoneyMan.
the Most popular brands of phones from borrowers
the first half of 2017
the second half of 2016
the first half of 2016 goda
Istochnik: data service "Robot Timer"
"brands Listed smartphones prefer to use 77.5% of recipients of loans. In General, the presence in the ranking of the popularity of quite expensive brands of smartphones can be concluded that among borrowers there is a significant reservoir of Russians with average and high income," analysts "Robot Timer".
In the online service lending MoneyMan also see that the proportion of people who take loans via the iPhone. Moreover, already there are examples when people with the most expensive Apple iPhone X apply for microloans.
MoneyMan Analysts recently estimated that in the first ten months of 2017, the users of smartphones based on operating system Android has made 3,38 million sessions in the services of non-Bank online lending, which is 83% of the total number of all sessions. IOS users came in 610 thousand (15%), about 2% accounted for other operating systems. The calculation takes into account all users who have filled the application for the loan. Among sources of information — data MoneyMan, credit Bureau, company reports and data from open sources.
"According to preliminary data, the share of owners of smartphones Apple in November 2017 rose three percentage points to 16 percent compared to November 2016 (takes into account data up to 28 November, inclusive). Using Apple smartphones this month was absolutely 55 940 sessions in the services of online lending. Among them: iPhone 5/5C/5S/SE — 25 600 + sessions iPhone 6/6S/7/8 — 21 660 sessions iPhone 4/4S — 4430 sessions, iPhone 6 Plus/6S Plus/7 Plus/8 Plus — 140 4 sessions, iPhone X — 110 sessions", — stated in the study MoneyMan. When counting statistics are analyzed in the diagonal of the screen of the mobile device.
Chief Executive Director of IFC "House money" Andrew Bakhvalov confirms that smartphone penetration among borrowers of microfinance organizations is growing from year to year. Gradual replacement of ordinary phones to smartphones, he explains how the emergence of a large number of models, and joint stock operators device manufacturers.
"This increases the availability of smartphones and, consequently, an increase in the share of borrowers using them. For example, among borrowers in the age group of 20 to 30 years every second mobile phone in the category 30-40 years — 37%, 40-50 years — 15%, 50-60 years — 5%, older than 60 years — 2%. For the year these indicators have grown almost twice, — says the boaster. — According to statistics, in Moscow and Moscow region is concentrated the largest share of borrowers using smartphones. Including in these regions, almost 40% of borrowers use the phones worth more than 25 thousand rubles."
the online service lending "E loan" also note the increasing penetration of smartphones. During the year the proportion of customers who contact the company with the iPhone, increased. If in III quarter of 2016, their share stood at 16.1% (of all clients who used a smartphone to request a loan), this year the figure has reached 19%.
We become "better" to live?
According to the survey conducted by Banks.ru, increasing the average monthly income of borrowers of microfinance organizations.
According to the company "Home money" for the year income for the average borrower increased by 15% and currently reaches more than 31 thousand rubles. The amount of the requested loan is also increasing — by 20%, which in absolute terms is the total requested amount of about 27-30 thousand rubles.
the online Service lending "E loan" provided by the Banks.ru statistics, which clearly shows that the declining share of borrowers with income up to 20 thousand rubles per month. In addition, increasing the amount of the requested loan. In the third quarter of 2016 it was 12.6 thousand rubles, and in the third quarter of 2017 — 13.9 thousand rubles.
the Proportion of borrowers with different income
Revenue, thousand RUB.
III quarter of 2014
III quarter of 2015
III quarter of 2016
III quarter of 2017
Istochnik: data "E loan"
today the average income of the borrower online loans "Robot Timer" is 30-35 thousand rubles. The average loan amount at the same time — about 7-8 thousand rubles. The amount above named take, as a rule, residents of the Central Federal district. Customers from other regions, on average, receive about 5 thousand rubles. Starting in 2016, a figure based on the average loan amount increased by 20%, the average income is 15%.
anyway, the representatives of the microfinance industry does not believe that the financial situation of their clients has greatly improved.
the Director of Financial services online lending "E loan" Mamuka Rizayev not think that the growth of the average monthly income of the borrower MFIs and the average amount of the requested loan suggests growing supply of customers.
"According to a joint study "E loan" and United credit Bureau, 75% of customers who first applied in MFIs in 2017, already took the credits in banks. That is, it often happens that the clients of banks and MFIs is one and the same people. This means not the welfare of the traditional MFI clients and expand their client base. People from many different backgrounds, with different incomes, are turning to the services of online lending, when they quickly need a small amount," explains Rizayev.
"According to the latest statistics, nominal wages of the population grew by almost 1%, but at the same time to maintain the momentum of growth real rate of inflation — about 4% for the year. Thus, the clients of microfinance organizations, unfortunately, due to circumstances are unable today become more affluent, — says Andrey Bakhvalov from "house money". — MFIs have worked and continue to work with less solvent populations, their average monthly income does not exceed 30-50 thousand rubles per family. According to our data, about 48% of them already have damaged credit history, so banks im in 100% of cases fail in getting the required amount".
According to leading analyst GK TeleTrade Mark Goichman, in the structure of granting of microloans from the MFIs, there is an increase in the proportion of clients receiving longer and less expensive consumer loans. Such by 1 July 2017 was 54%, whereas at the beginning of year — 52%, according to research of the analytical Agency RAEX (Expert RA). Over this period remained unchanged (24%) the proportion of recipients of the "sharp" hard loans "to pay". Moreover, the share of loans to MFIs owned by banks, has risen significantly — from 14% at the beginning of July 2016 and 22% at the beginning of 2017 to 25% on 1 July 2017.
"Thus, MFI clients are becoming more people who are not extremely needy and coming on onerous borrowing. Many of them banks are failing because of debt load or insufficient income, but redirect to their "child" MFIs, whose requirements are not so stringent and less dependent on the regulations of the Central Bank. However, a very significant part of new loan goes to pay off the previous one. Indeed, the share of overdue debts in this market is very high and is more than 30% of the portfolios of MFI," — says real.
Not a single iPhone
the Director General of IFC "Mani Fanny" Alexander Shustov, in turn, suggests that, most likely, not all survey respondents owned iPhones for the latest model. So, he points out, in the line of Apple still sold the model 5S, which costs 13 thousand rubles, and which can afford to the average citizen with a salary of 30-40 thousand rubles. In this case the iPhone is not a luxury item.
However, the presence of the borrower of the same iPhone is not always indicative of its abundance for another reason, the phone can be "borrowed".
the Director of analytical Department IK "Golden Hills-Capital AM", Mikhail Krylov, points to the presence in Russia of a particular problem – people in our country borrow a considerable sum for the goods not the first necessity.
"someday, this problem will disappear, and the culture of communication with the banks not to assume that people are taking loans from MFIs in order to "throw dust in the eyes". But while among the borrowers of microcredit organizations no-no, and found those 1-2% who find the sense to buy the iPhone on credit. They sometimes know then how to resell or repledge at twice the price," — said Krylov.
Pasha confirms that in Russia and in many developing countries, there is an absurd fashion to buy expensive smartphones in the loan as an attempt to demonstrate to others the high standard of living, which is actually the owner of the phone in no credit.
"Studying the profiles of borrowers, it is very difficult to say how much they actually earn most points in the questionnaire salary of 35-40 thousand rubles, but it may not be. Or maybe she just is an additive to some gray income, which can be two times higher than the white, but unstable, — says Pasha. — For our clients, we see that the average loan issued in the last year increased by 15-20% to 35-50 thousand roubles, but this is largely due to the decrease in the minimum rate to 0.35% on the day. But for our clients, we noticed that the increase in the number of bankruptcies: about 10% per year. This is consistent with the data of the National centre of bankruptcies, which reports that after the entry into force of the law on bankruptcy was submitted by citizens aged 37 years, and now — 22 years, the average bankrupt "younger" for 15 years. I believe that the average borrower could not be more secure, losing 5-7% of real wages the past three years, amid rising unemployment."
the Director General of the service "Robot Timer" Sergey Sedov believes, however, that the online borrowers really become wealthier and more financially responsible. This, in his opinion, confirmed by several factors.
first, most MFIs are gradually increasing the requirements for borrowers, due to the introduction of more stringent regulation of the industry (limits the interest on arrears, the rate reserve funds, etc.). Due to this increased quality of scoring, it became easier to identify inaccurate data on income is positive impact on the quality of borrowers.
"secondly, in the growing structure of our clients are regular borrowers — more than 80%. This means that they can adequately plan your budget, on time returning the loans. This trait is certainly present in their everyday life where they become more "financially disciplined." And this, in turn, direct the way to increase personal security, — Sedov continued. — Thirdly, citizens are more adapted to the changed economic environment, learned to plan their income and expenses to avoid delinquencies on loans, allowing more positively assess the future dynamics of real incomes of the population and, consequently, the supply of microfinance clients".
Anna DUBROVSKAYA, Banki.ru
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