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year, the microfinance market grew in 2020. The portfolio of microloans rose 18% to 249 billion rubles while the amount of loans issued remained at

2.3% MoM SA in January (Figure 18). Figure 17. Services sector’s, retail, food and Figure 18. Retail and services sector’s sales non-food

of major borrowers is as follows: 10% in April, 1% in May, 18% in June, 10% in July, 2% in August, and 58% in September.

wallet wallet +100 Rub +100 Rub 0 Rub +100 Rub -100 Rub 18 Digital Ruble Concept V. Examples of digital ruble transactions Offline transfers Offline