Ukrainians took 4.4 million microloans: what's happening in the market.

According to inkorr.com: In the first half of 2025, Ukrainians actively used the services of microfinance institutions, signing 4.39 million contracts. This is 8% more than in the corresponding period last year. Approximately 730 thousand microloans are issued monthly in the country.

Dynamics of agreements signing

According to 'Opendatabot', 2.18 million agreements were signed in the second quarter, which corresponds to the indicators of previous periods. The average loan amount increased by 9% and amounted to 6029 hryvnias. Compared to 2024, the loan amount remained virtually unchanged, while the total funding reached 26.44 billion hryvnias.

Despite the steadily high demand, the dynamics of debt obligations show some improvement. Overall, the debt owed to microfinance institutions currently amounts to 24.29 billion hryvnias.

Decrease in the number of creditor companies

The number of companies providing microloans continues to decrease. As of the beginning of July 2025, there were 303 financial institutions in Ukraine with relevant licenses, which is 25% less than a year ago. Since the beginning of the full-scale war, their number has decreased by more than half.

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Demand for microloans in Ukraine continues to grow, indicating the popularity of this type of financing among citizens. The reduction in the number of creditor companies may affect the terms of obtaining microloans; however, overall the microcredit sector remains active in Ukraine.

According to statistics, microfinance institutions remain an important element of the country's financial ecosystem, providing access to credit for many citizens. The situation in the market continues to change, and although the number of creditors is decreasing, the demand for microloans indicates a need for flexible financial solutions.

Recognizing the importance of microcrediting, it is essential to monitor trends in this sphere, as they can significantly impact the financial stability of many Ukrainians.