During January-September 2026, collectors bought overdue debts of microfinance organizations for a record 96.78 billion rubles. The volume of bags purchased grew by 16% during the year, but shopper spending grew faster. Collectors allocated 21.3 billion rubles to purchase debt, which is 46.5% more than a year earlier. At the same time, microfinance organizations are putting up for sale debts worth 106.45 billion rubles, increasing the supply by 10.7%. The weighted average price of the portfolio increased from 17.46% to 22.05% of the nominal value. It turns out that the market is selling more and more problematic loans, and the buyers are paying for them a growing share of the amount of claims. The purchase cost also increased due to the deterioration of the quality of the loan and the accumulation of arrears. For collectors, this increases the dependence of profits on the efficiency of collection: the more expensive the purchased case, the more money must be returned to repay the transaction. Peak demand for debt is accompanied by an increase in the cost of their repayment risk.

During January-September 2026, collectors bought overdue debts of microfinance organizations for a record 96.78 billion rubles. The volume of bags purchased grew by 16% during the year, but shopper spending grew faster. Collectors allocated 21.3 billion rubles to purchase debt, which is 46.5% more than a year earlier. At the same time, microfinance organizations are putting up for sale debts worth 106.45 billion rubles, increasing the supply by 10.7%. The weighted average price of the portfolio increased from 17.46% to 22.05% of the nominal value. It turns out that the market is selling more and more problematic loans, and the buyers are paying for them a growing share of the amount of claims. The purchase cost also increased due to the deterioration of the quality of the loan and the accumulation of arrears. For collectors, this increases the dependence of profits on the efficiency of collection: the more expensive the purchased case, the more money must be returned to repay the transaction. Peak demand for debt is accompanied by an increase in the cost of their repayment risk.