The desire of the population to make purchases on credit is very dangerous for citizens, but it is useful for banks. This was frankly acknowledged by the head of the Association of Russian Banks Garegin Tosunyan. Usually the small amounts needed for current acquisitions of household appliances or a new gadget are required for people with low incomes. In banks, these clients are not welcome, but microfinance institutions are not so demanding about borrowers, the expert explained.. "We, of course, benefit from the growth in demand for credit services, but it is the demand for solvent. Microfinance institutions can turn a blind eye to where sources of income will come from, and banks are primarily interested in the source of income, "Tosunyan told" National News Service ". Meanwhile, the manufacturer does not care whether his product is purchased on credit or not: any purchase stimulates production growth. And this is just the big banks are very interested. "These manufacturers are still our customers. Therefore, on a long chain, we are interested in increasing demand, including our loans, and in the corresponding growth, "- said Tosunyan. Earlier, the largest microfinance company "Domashnaya Money" published research data, according to which currently every tenth working Russian has microcredit. This is due to the fact that with a salary of 30-40 thousand. rubles a person does not have the ability to make savings and can not buy many necessary things in the household without a loan. At the same time, 82% of clients of microfinance organizations receive a loan refusal from the bank due to already collected debts, late payments, etc.. Thus, Russians are forced to turn to MFIs and take money for a predatory percentage. To extinguish such loans people can not always.