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Region: Economics and Sociology

2014 year, number 4

Some Characteristics of Credit Behavior in Novosibirsk Oblast in Retail Lending Sector

Margarita Petukhova
Institute of Economics and Industrial Engineering, Siberian Branch of the Russian Academy of Sciences, Novosibirsk
Keywords: Novosibirsk Oblast, debtors, retail lending, credit behavior, borrowing capacity, social and demographic characteristics

Abstract

The article demonstrates the differences in debtors' behavior in Novosibirsk Oblast based on their sex, age, education and civil status before the crisis, during the crisis and after the crisis during the economic recovery. Standard hypotheses about debtors' behavior in a region were tested, including one about the changing in behavior of different groups of debtors. We received precise assessments characterizing borrowing capacity and solvency of debtors in Novosibirsk Oblast.