Consumer Borrowing Trends
In an environment of high interest rates and constrained credit supply, overall borrowing tendencies have declined slightly; however, one in four people in society still plans to borrow within the next three months. Borrowing appetite is most concentrated among the 30–39 age group, public sector employees, and newly married individuals, making these segments focal points
Borrowing behavior
Borrowing intentions
Credit demand
Consumer credit
Bank loans
Credit cards
Informal borrowing
Cash borrowing
Access to credit
Credit constraints
Credit supply restrictions
High interest rates
Rising borrowing costs
Monetary tightening
Financial risk
Household debt
Short-term financing
Long-term borrowing
Risk aversion
Economic uncertainty
Inflationary pressure
Tight monetary policy
Financial system access
Credit scores
Collateral constraints
Financial exclusion
Consumer behavior
Financial decision-making
Cash flow management
Fixed-income earners
Flexible-income earners
Credit card debt
Consumer loans
Bank credit
Informal finance
Traditional borrowing methods
Credit risk
Income security
Borrowing trends
credit usage
Household finance policy