... debt burdens, and a more cautious approach by Russians towards borrowing have led to changes that require adaptation from all market participants. The outlook for the future suggests a possible recovery in demand and the emergence of new conditions for credit cards, which will support consumer activity and create additional incentives for economic growth.

... continue to take out loans despite high costs, and how this can impact the economy. I will share my perspective on the current situation and explain why it is particularly important to approach borrowed funds with caution now, focusing on sustainable growth and balancing debt loads. Credit Overheating in Russia: What It Is and Its Implications for Companies and Citizens' Economies What is Credit Overheating? Credit overheating is a situation where the growth rates of lending begin to significantly exceed sustainable indicators of ...

... funds can lead to a business being overloaded with debt. Large debts complicate the attraction of new investments, reduce the credit rating, and in extreme cases can lead the company to bankruptcy. Also, in the event of a default, the entrepreneur's business ... ... measure the potential benefit of attracting a loan with the associated risks and costs. Borrowed funds can be a springboard for growth, but only if the business is truly able to use them effectively and service the debt in a timely manner. What to look for ...

... , I see significant importance in the stability and reliability of the banks included in the list of systemically important credit institutions. The presence of such "pillars" in the financial system creates favorable conditions for business,... ... partner stability are paramount. Confidence in the financial support and stability of these banks allows entrepreneurs to focus on growth, innovation, and the development of new projects, which ultimately has a positive impact on the economy as a whole.

... that helps startups worldwide accelerate their development and attract investments. Through its acceleration programs, global network of experts, and post-program support, 500 Startups provides startups with all the necessary resources for successful growth. Examples of companies like Credit Karma, Canva, and Udemy illustrate how participation in 500 Startups can lead to impressive outcomes and significant business growth.