Why is this important
The self-prohibition mechanism for issuing loans is considered one of the tools for protecting citizens from fraud and excessive debt burden. The increase in the number of service users shows that the population is increasingly using preventive financial security measures. These data also allow for assessing the level of confidence in credit infrastructure and the demand for digital services in the financial sector.
What happened
- According to the CIAC Credit Bureau, in 2025, nearly 440,000 Uzbek citizens voluntarily imposed a ban on issuing loans.
- As of January 1, 438,322 individuals have subscribed to the free self-banking loan service.
Numbers and facts
- Among the service users, men predominate – more than 292.7 thousand people, while the number of women is 145.6 thousand.
- Self-prohibition is most actively used by citizens aged 26-35, who account for about one-third of all users.
- The share of citizens aged 36-45 is 24%, and users younger than 26 years is 22%.
Context
- Statistics indicate a high interest in self-monitoring tools for borrowing among economically active age groups.
- The predominance of men among users may reflect the peculiarities of the lending structure or differences in financial behavior.
- Expanding the practice of self-prohibition potentially reduces the risks of fraudulent loans and problematic debt.
