For the first time in two years, the average number of microloans in Ukraine has decreased, but their amounts are 100% higher than at the beginning of the full-scale war.

Since the start of 2025, Ukrainians have entered into more than 2.17 million agreements with microfinance organizations (MFIs) for a total of almost ₴13B. Microloans increased by 8%, but the average loan amount decreased for the first time in two years (-2%) to ₴5,858. Prior to this, the average amount had consistently been rising, reports Opendatabot.

Additionally, as of early April 2025 Ukrainians owed MFIs nearly ₴24.3B ($570M), which is 100% more than at the start of the full-scale war. On average, Ukrainians signed 724,000 agreements each month, slightly above last year’s figure of 693,000 per month. In the first quarter of 2025, Ukrainians’ microloan debt rose by ₴4.3B, or 22%.

It is worth noting that 63% of microloans are taken out for a term of 93 days to one year. Meanwhile, long-term microloans increased 15 times, from one to two years with its share of 3.6%.