... making loans more expensive for the population. As many Russians purchase vehicles on credit, the increased cost of borrowing leads to a decline in the number of transactions. Fluctuations in the ruble exchange rate. The depreciation of the ruble against foreign currencies increases the cost of imported components. In the automotive industry, where the share of imported parts remains high, this leads to an increase in the production cost of vehicles. Low income levels. In recent years, the growth of the population's ...

... than what one would earn from traditional deposits. Investors are required to place funds only in national currency, as pawnshops do not accept dollars or euros. Thus, considering annual inflation, returns may be slightly lower when translated into foreign currency equivalents. Funds are issued to clients for a predetermined period. In the event of a delay, reclaiming the pledged items becomes impossible. Ownership transfers to the pawnshop, and the items are subsequently sold. All items and valuable possessions ...

... will provide Iranian companies with access to the Russian financial market, allowing deals to be conducted more swiftly and securely. This is particularly significant for small and medium-sized enterprises eager to expand their market reach. Inflow of Foreign Currency: Attracting Russian tourists and investors will increase the volume of transactions in the Iranian economy and create additional revenue streams for Iranian companies operating in the tourism and banking sectors. New Financial Opportunities for ...

... in full. It is impossible to multiply capital using this method. Instead, individuals freeze their money for a prolonged period. The payback period for successful rental is no less than several years. The only real estate that may generate income is foreign property. However, this applies only to specific regions. Properties in resort areas and good neighborhoods, close to the sea or historical sites, are in demand. Bank Deposits In second place in popularity are deposits in national currency. Financial institutions promise 20% per annum or more for long-term investments. However, inflation often significantly outpaces the growth of the investor's capital. In such cases, it is much more advantageous to purchase dollars and place them ...

... strategy is represented by the launch of gold trading in St. Petersburg, which will open new avenues for Russian producers and foreign partners from friendly countries to conduct operations with precious metals. BRICS Countries and De-Dollarization The ... ... control of Western exchanges. This represents another step toward de-dollarization—transitioning to settlements in national currencies and reducing the dollar's role in global trade. In recent years, central banks of BRICS countries and several other ...