Affiliation:
1. Saint Petersburg University of the Ministry Internal Affairs of Russian Federation
2. Sankt-Peterburgskiy universitet MVD Rossii
Abstract
Microfinance organizations play an important role in economic development, facilitating access to financial resources for small businesses and low-income populations. However, along with their positive aspects, there is a threat of unfair practices that can undermine the economic security of the country. The article considers methodological aspects of studying the impact of unfair practices of microfinance organizations on the economic security of the country. The authors analyzed the existing approaches to understanding the essence of unfair practices of microfinance organizations. The socio-economic consequences of these negative phenomena are highlighted. The methods of identifying practices and assessing their impact on the country’s economy are presented. Methods are described to assess the scale and consequences of unfair actions of microfinance organizations on the financial system. Within the framework of the development of the theory of economic analysis, a complementary approach is proposed to assess the impact of unfair practices by microfinance organizations on the economic security of the country, combining complex, functional and integral aspects. The study provides tools for assessing the negative impact of unfair practices on the economic security of the country and can be useful for shaping decision-making at the level of state and financial institutions.
Publisher
Nizhny Novgorod Academy of the Ministry of the Interior of Russia
Reference16 articles.
1. Рынок МФО за 1 полугодие 2023 года // Эксперт РА. URL: https://raexpert.ru/researches/mfo/forecast_2023/ (дата обращения: 29.09.2023)., MFI market for the 1st half of 2023. Expert RA. URL: https://raexpert.ru/researches/mfo/forecast_2023/ (accessed 29.09.2023). (In Russ.)
2. Тенденции микрофинансового рынка в 2023 году // Банк России. URL:https://cbr.ru/analytics/microfinance/mfo/mmt_2023/ (дата обращения: 29.09.2023)., Trends of the microfinance market in 2023. Bank of Russia. URL:https://cbr.ru/analytics/microfinance/mfo/mmt_2023/ (accessed 29.09.2023). (In Russ.)
3. Бекетнова Ю. М. Анализ возможностей автоматизации выявления недобросовестных микрофинансовых организаций на основе методов машинного обучения // Финансы: теория и практика. 2020. Т. 24. № 6. С. 38–50., Beketnova Yu. M. Analysis of the possibilities of automating the identification of unscrupulous microfinance organizations based on machine learning methods. Finance: theory and practice, 2020, vol. 24, no. 6, pp. 38–50. (In Russ.)
4. Вергазова А. Т. Недобросовестные практики со стороны микрофинансовых организаций: автоматизированный контент-анализ клиентских историй // Социально-политические науки. 2022. Т. 12. № 6. С. 83–87., Vergazova A. T. Unfair practices on the part of microfinance organizations: automated content analysis of client stories. Socio-political Sciences. 2022, vol. 12, no. 6, pp. 83–87. (In Russ.)
5. Войтов В. В. Инновации в противодействии Банка России недобросовестным действиям на финансовом рынке // Экономика. Бизнес. Банки. 2019. Т. 1. С. 141–152., Voytov V. V. Innovations in countering the Bank of Russia’s unfair actions in the financial market. Economy. Business. Cans, 2019, vol. 1, pp. 141–152. (In Russ.)