IDEAS home Printed from https://ideas.repec.org/a/ers/journl/vxxy2017i2bp236-250.html
   My bibliography  Save this article

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
    as

    Download full text from publisher

    File URL: http://www.ersj.eu/repec/ers/papers/17_2_B_p14.pdf
    Download Restriction: no
    ---><---

    References listed on IDEAS

    as
    1. O.A. Novokreshchenova & N.A. Novokreshchenova & S.E. Terehin, 2016. "Improving Bank’s Customer Service on the Basis of Quality Management Tools," European Research Studies Journal, European Research Studies Journal, vol. 0(3B), pages 19-38.
    2. Josef Budik & Otakar Schlossberger, 2015. "Processes and Technologies for Identifying Illegal Financial Operations," International Journal of Economics & Business Administration (IJEBA), International Journal of Economics & Business Administration (IJEBA), vol. 0(2), pages 22-31.
    3. Eleftherios Thalassinos & Konstantinos Liapis & John Thalassinos, 2014. "The Role of the Rating Companies in the Recent Financial Crisis in the Balkan and Black Sea Area," Contributions to Economics, in: Anastasios Karasavvoglou & Persefoni Polychronidou (ed.), Economic Crisis in Europe and the Balkans, edition 127, pages 79-115, Springer.
    4. Andrey Nechaev & Oksana Antipina, 2016. "Analysis of the Impact of Taxation of Business Entities on the Innovative Development of the Country," European Research Studies Journal, European Research Studies Journal, vol. 0(1), pages 71-83.
    5. Nikolaos Theriou & Vassilis Aggelidis, 2014. "Management Accounting Systems, Top Management Team’s Risk Characteristics and Their Effect on Strategic Change," International Journal of Economics & Business Administration (IJEBA), International Journal of Economics & Business Administration (IJEBA), vol. 0(2), pages 3-38.
    6. Silviu Carstina & Marian Siminica & Daniel Circiumaru & Anca Tanasie, 2015. "Correlation Analysis of the Indicators of Asset Management and Profitability," International Journal of Economics & Business Administration (IJEBA), International Journal of Economics & Business Administration (IJEBA), vol. 0(2), pages 3-21.
    7. Ramona Rupeika-Apoga & Roberts Nedovis, 2015. "The Foreign Exchange Exposure of Non-Financial Companies in Eurozone: Myth or Reality?," International Journal of Economics & Business Administration (IJEBA), International Journal of Economics & Business Administration (IJEBA), vol. 0(1), pages 54-66.
    8. Sheetal Sharma, 2014. "The Conflict and Challenge of Integrating the “Others†in Europe," European Research Studies Journal, European Research Studies Journal, vol. 0(4), pages 67-92.
    9. Ozgur Arslan-Ayaydin & Darold Barnum & Mehmet Baha Karan & Atilla Hakan Ozdemir, 2014. "How is Moral Hazard Related to Financing R&D and Innovations?," European Research Studies Journal, European Research Studies Journal, vol. 0(4), pages 111-131.
    10. Mustafa Kemal Topcu & Ali Gursoy & Poyraz Gurson, 2015. "The Role of the Servant Leadership on the Relation between Ethical Climate Perception and Innovative Work," European Research Studies Journal, European Research Studies Journal, vol. 0(1), pages 67-80.
    11. Tatiana Epifanova & Nikolay Romanenko & Tatiana Mosienko & Tatyana Skvortsova & Alexandr Kupchinskiy, 2015. "Modernization of Institutional Environment of Entrepreneurship in Russia for Development of Innovation Initiative in Small Business Structures," European Research Studies Journal, European Research Studies Journal, vol. 0(3), pages 137-148.
    12. Nikolaos Theriou & Vassilis Aggelidis & Georgios Theriou, 2014. "The Mediating Effect of the Knowledge Management Process to the Firm’s Performance: A Resource-Based View," International Journal of Economics & Business Administration (IJEBA), International Journal of Economics & Business Administration (IJEBA), vol. 0(1), pages 87-114.
    Full references (including those not matched with items on IDEAS)

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    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.

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Sergey Mikhailovich Vasin & Leyla Ayvarovna Gamidullaeva & Tamara Kerimovna Rostovskaya, 2017. "The Challenge of Social Innovation: Approaches and Key Mechanisms of Development," European Research Studies Journal, European Research Studies Journal, vol. 0(2B), pages 25-45.
    2. Eva Maria Lado Gonzalez & Domingo Calvo Dopico, 2017. "The Importance of Intangible Assets in the Strategic Management of the Firm: An Empirical Application for Banco Santander," European Research Studies Journal, European Research Studies Journal, vol. 0(2A), pages 177-196.
    3. V.M. Dzhukha & A.N. Kokin & A.S. Li & T.Yu. Sinyuk, 2017. "Research and Development Intensity in Business: Russia and EU," European Research Studies Journal, European Research Studies Journal, vol. 0(1), pages 64-76.
    4. L.Yu. Andreeva & O.Yu. Sviridov, 2017. "Experience of Greece on Recapitalization of Banks, Marketing Management and Personnel Retraining in Conditions of Economic Recession," European Research Studies Journal, European Research Studies Journal, vol. 0(1), pages 390-409.
    5. T.L. Bezrukova & Yu.N. Stepanova & I.I. Shanin & Yu.V. Busarina & S.Yu. Nesterov, 2017. "Aspect-Oriented, Key-Index Based Regional Business Entities' Evaluation Framework," European Research Studies Journal, European Research Studies Journal, vol. 0(3B), pages 183-192.
    6. V.V. Aksenov & A.V. Andreeva & G.A. Buryakov, 2017. "The Influence of Financial and Industrial Policy on Harmonization of European and Asian Integration Processes," European Research Studies Journal, European Research Studies Journal, vol. 0(1), pages 369-389.
    7. A.A. Alukhanyan & A.V. Andreeva & L.Yu. Andreeva, 2017. "Instruments of Marketing and Credit Support of the Large Industrial Enterprises Development: International Experience," European Research Studies Journal, European Research Studies Journal, vol. 0(1), pages 294-310.
    8. Anatoliy Ivanovich Belousov & Galina Vasilevna Mikhailova & Fatima Magamedovna Uzdenova & Viktoria Georgievna Blokhina, 2017. "Accounting Engineering Tools in the Research of Economic Costs and Benefits," European Research Studies Journal, European Research Studies Journal, vol. 0(3B), pages 13-21.
    9. Wahyu Agus Winarno & Bambang Tjahjadi, 2017. "The Moderating Effect of Industry Environments on the Relationship between IT Asset Portfolios, Efficiency and Innovation in the ERP Context," European Research Studies Journal, European Research Studies Journal, vol. 0(2A), pages 3-15.
    10. Valeriy Vladimirovich Shlychkov & Ilgam Kiyamovich Kiyamov & Asya Shamilevna Khasanova & Sergey Mikhaylovich Kulish & Diana Rustamovna Nestulaeva, 2017. "Hands-on Management: Theoretical and Methodological Approaches and Russian Practice of State and Municipal Management," European Research Studies Journal, European Research Studies Journal, vol. 0(2B), pages 200-223.
    11. Kamil R. Bibarsov & Natalia V. Kretova & Elena Yu. Popova, 2017. "Improvement of Innovative Forms as a Tool for Effective Development of Small Business," European Research Studies Journal, European Research Studies Journal, vol. 0(2B), pages 98-110.
    12. Iuliia Platonova & Maksim Tcvetkov & Olga Chkalova & Marina Efremova, 2017. "The Mechanism of CSR Beliefs Dissemination: From Idea to Institution or Vice Versa," European Research Studies Journal, European Research Studies Journal, vol. 0(2A), pages 65-89.
    13. Tatyana V. Evsukova & Evgeniya V. Kotelnikova & Nadejda V. Evdokimova & Tatyana M. Germasheva, 2017. "Scientific Innovation and its Representation in Discourse," European Research Studies Journal, European Research Studies Journal, vol. 0(1), pages 319-336.
    14. Suchart Tripopsakul & Wittaya Charupongsopon, 2017. "What Skills Do Nascent Entrepreneurs Need? The Evidence from Thailand," European Research Studies Journal, European Research Studies Journal, vol. 0(2A), pages 250-263.
    15. Peter J Baldacchino & Rosalene Caruana & Simon Grima & Frank H. Bezzina, 2017. "Selected Behavioural Factors in Client-Initiated Auditor Changes: The Client-Auditor Perspectives," European Research Studies Journal, European Research Studies Journal, vol. 0(2A), pages 16-47.
    16. Jullie Jeanette Sondakh, 2017. "Behavioral Intention to Use E-Tax Service System: An Application of Technology Acceptance Model," European Research Studies Journal, European Research Studies Journal, vol. 0(2A), pages 48-64.
    17. Inta Bruna & Kastytis Senkus & Rasa Subaciene & Ruta Sneidere, 2017. "Evaluation of Perception of Accountant`s Role at the Enterprise in Latvia and Lithuania," European Research Studies Journal, European Research Studies Journal, vol. 0(3A), pages 143-163.
    18. repec:ers:journl:v:xx:y:2017:i:3a:p:538-553 is not listed on IDEAS
    19. Hasyim & Sahyar & Mahmud, 2017. "Isolating Mechanism as a Mean to Improve Performance of SMEs," European Research Studies Journal, European Research Studies Journal, vol. 0(3A), pages 594-612.
    20. S.A. Issakova & A.Sh. Moldabekova & M.T. Kenzhebayeva & V.N. Ð libekova & G.T. Tuleyeva, 2017. "Preparing Consolidated Financial Statements in Accordance with IFRS," European Research Studies Journal, European Research Studies Journal, vol. 0(3A), pages 458-469.
    21. repec:ers:journl:v:special_issue:y:2018:i:1:p:544-552 is not listed on IDEAS
    22. Khaibat Magomedtagirovna Musaeva & Magomedsaid Abdulmuslimovich Ismailov & Garun Sultanakhmedovich Sultanov & Saida Nazirovna Keramova & Saida Israpilovna Sirazhudinova, 2017. "Efficiency of Taxation Bodies’ Work: Methods of Estimating and Analysis of Relations with Tax Payers," European Research Studies Journal, European Research Studies Journal, vol. 0(2B), pages 378-395.

    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

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:ers:journl:v:xx:y:2017:i:2b:p:236-250. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Marios Agiomavritis (email available below). General contact details of provider: https://ersj.eu/ .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.