Borrowers of microfinance organizations (MFIs) are increasingly repaying their long-term obligations ahead of schedule. So, in the fourth quarter of last year, they accounted for up to a third of loans, while in previous periods their share did not exceed a quarter. At the same time, the level of delinquency in this segment remains low, which encourages market participants to develop this segment. And even if the rate on such products is lower than on payday loans, it is still at the level of 150% per annum. .