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A survey of leading banks in the retail lending segment showed that the demand for credit electronics will fall, so loans for more expensive clothing and footwear are coming to the fore among bankers. According to Natalya Kolupaeva, senior analyst at Raiffeisenbank, “banks are trying to react to the changing market conditions and thus adjust to the realities of 2015, which promises to be quite difficult in terms of consumer demand and demand for goods that do not belong to the category of essential goods ... Some retailers have previously tried to introduce microfinance opportunities for the population in order to maintain demand, especially in the regions. "
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