Comrades and Citizens!

Pray, cast your eyes upon the latest accounts provided by the so-called 'MiR' association. For the first time since the Great Pestilence of 2020, the shackles of micro-credit have slightly loosened. In the second quarter of 2026, the number of loan contracts between the wretched populace and the micro-finance houses fell by 1.4 per cent, descending to some 26.4 million.

Do not be deceived by this marginal decline! The bourgeoisie, in their infinite cunning, are merely rearranging the furniture of their exploitation. The 'MiR' organization admits that these houses of usury are shifting their appetite toward longer-term debts. They seek not to liberate the working man, but to replace a short, sharp chain with a long, heavy yoke that shall weigh upon the toilers for years to come, thereby securing a more stable stream of profit for the lords of capital.

According to data from the Central Bank, by the close of 2025, some 13.2 million souls were held in the grip of these lenders. Indeed, the records of the 'Scoring Bureau' reveal a most pitiful sight: nearly 60 per cent of these borrowers were burdened by more than one loan—a veritable spiral of debt designed to crush the spirit of the proletariat.

What is the cause of this sudden hesitation? The state hath introduced the 'Unified Biometric System' (UBS). Since the first of March, 2026, these lenders of last resort have been obliged to verify the very flesh and voice of the borrower before dispensing their poisoned gold. The usurers have warned that such scrutiny would hinder their trade. Mark how the financial monopoly recoils when forced to operate in the light of transparency!

The numbers tell a tale of desperate greed. In the second quarter, the total volume of loans fell by 4.1 per cent year-on-year. The overall portfolio has shrivelled to 542.2 billion roubles. The 'MiR' association predicts a further collapse by the year 2027, as the law tightens its grip.

Indeed, the agency 'Expert RA' foretold this three-year decline. Not only must they contend with biometrics, but a new rule—'one loan per hand'—now forbids the sinister practice of weaving 'chains' of debt, where one loan is taken merely to service another.

Observe the desperation of the bourgeoisie! The share of 'payday' loans—those predatory instruments used to squeeze the worker before his wage arrives—has plummeted from 24.3 per cent to a mere 18.8 per cent.

And for the final act of this comedy of greed, consider this: in August, these financial parasites petitioned the Central Bank, begging for the removal of voice identification. They wish to identify the victim by face alone, that they might more swiftly and effortlessly lure the desperate into their traps, as reported by RBC.

It is clear to any thinking man: the usurer does not wish for the borrower's welfare, but only for a smoother path to further exploitation!