The National Bank provides aggregated data on loans issued, liquidity, and profits for the entire sector, while continuously monitoring financial discipline and compliance with liquidity standards among individual associations. Scheduled inspections and audits of financial statements are conducted for large associations.
In 2026, the total loan portfolio (outstanding loans) of Moldova’s loan and savings associations amounted to approximately 1.1–1.2 billion lei. The loan and savings association market is stable but lags significantly behind non-bank lending institutions (NBLIs), whose portfolio exceeds 11 billion lei.
Virtually 100% of loans are issued to individuals living in rural areas, as well as to small farmers and sole proprietors.
Consumer lending to individuals is now strictly regulated. Starting January 1, 2026, all associations are required to pay a fee of 0.05% of the outstanding balance of such loans to ensure that consumers have equal rights with those in the banking sector.
