More than half of Russian citizens (56%) do not take out loans and try to live on their own funds, Vedomosti writes, citing the results of a survey by VTsIOM. According to sociologists, the rate of Russians independent of credit institutions has increased significantly over the past 20 years. In 2004, such citizens accounted for only 36% of those surveyed. Then VTsIOM asked respondents over 18 years of age about financial independence using a door-to-door survey. The latest study was conducted by telephone interview and involved 1,600 adult respondents.
Sociologists note that the most financially and economically independent respondents are from 18 to 24 years old (62%), as well as people over 60 years old (67%), who in most cases live in Moscow or St. Petersburg. Such categories of the population try not to contact credit and other organizations for the purpose of borrowing money. These people rely on their own strength and are often satisfied with their level of earnings.
At the same time, the study notes that Russians aged 25 to 29 are the most active users of loans. However, among those who most often live in debt are also the poorest citizens with low and very low incomes. In addition, about 55% of respondents borrow from family or friends, only 34% turn to banks or credit organizations.
About 74% of respondents are ready to take out a loan of almost 580 thousand rubles. In the 2004 survey, the figures were more modest – 60% were ready to borrow approximately 42 thousand rubles. The research company associates the growth of this indicator with an increase in the average salary in the country.
The all-Russian poll by VTsIOM was conducted on January 13, 2024.
Source: Rosbalt
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