Key points
- Ukrainians’ debt to microfinance organisations rose to UAH 27.65 billion (+UAH 7.7 billion over the year).
- More than 8.6 million microloans were issued, totalling UAH 56.76 billion.
- The market volume grew by 10% with almost no change in the number of loans.
- On average, 720,000 loans were issued per month.
- The average loan amount increased to UAH 6,600.
- The top 10 microfinance organisations earned UAH 18.54 billion in revenue.
In 2025, Ukrainians increased their debt to microfinance organisations. The total outstanding amount reached UAH 27.65 billion, which is UAH 7.7 billion more than the previous year, according to Opendatabot.
Over the year, Ukrainians took out more than 8.6 million microloans. The total amount of these loans reached UAH 56.76 billion.
The number of agreements hardly changed, but the total funds issued increased by approximately 10%.
On average, around 720,000 loans were issued per month. Before the full-scale invasion, this figure was higher – in 2021, approximately 1.2 million loans were taken out each month.
The average “payday” loan amounted to UAH 6,600. Over the course of the year, this figure increased from UAH 5,780 at the beginning to UAH 7,670 by the end.
Ukrainians have also started taking out loans for longer periods more frequently. The most popular are loans from 3 months to 1 year, accounting for 61%. At the same time, the number of 2–3 year loans increased significantly – by 36 times.
The financial performance of microfinance organisations remains stable. The top ten companies earned UAH 18.54 billion in revenue, slightly less than the previous year.
Meanwhile, profit grew 1.6 times, reaching UAH 1.8 billion. CreditKasa had the highest revenue, while “ShvydkoHroshi” recorded the highest profit.
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In February, the average salary in Ukraine increased by 1.2%
