Фото: inbusiness.kz
Renowned political analyst Marat Shybutov has shared gloomy insights about debts in Kazakhstan.
On his Telegram channel, the expert reconciled debits with credits:
«As of August 1, 2023, consumer loans in Kazakhstan amounted to 16.322 trillion tenge. While population deposits in banks reached 18.129 trillion tenge. It may seem good – savings exceed debts for now. However, the issue lies in depositors and debtors being different people.
How much do consumer loans matter? If we consider January to June of this year, during this period, the population borrowed 1.242 trillion tenge. This is a rough estimate based on the loan volume on a specific date. In reality, the sum is higher because loans are taken for short periods, ranging from one to several months. During this time, the payroll fund amounted to 7.862 trillion tenge, so the approximate loan volume equals around 20% of the wage size for wage workers.
If loans were removed, would people be able to survive on the remaining money?
From January 1, 2022, to August 1, 2023, the total volume of business loans increased by 16%, while consumer loans surged by 49%. In October 2022, the volume of consumer loans exceeded business loans. In pure terms, it’s the ‘Matthew Effect’ — ‘the rich get richer, the poor get poorer.'»
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