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<article article-type="research-article" dtd-version="1.3" xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xml:lang="ru"><front><journal-meta><journal-id journal-id-type="publisher-id">rusjel</journal-id><journal-title-group><journal-title xml:lang="ru">Russian Journal of Economics and Law</journal-title><trans-title-group xml:lang="en"><trans-title>Russian Journal of Economics and Law</trans-title></trans-title-group></journal-title-group><issn pub-type="ppub">2782-2923</issn><publisher><publisher-name>"TCE "Taglimat"" Ltd.</publisher-name></publisher></journal-meta><article-meta><article-id custom-type="elpub" pub-id-type="custom">rusjel-802</article-id><article-categories><subj-group subj-group-type="heading"><subject>Research Article</subject></subj-group><subj-group subj-group-type="section-heading" xml:lang="ru"><subject>Статьи</subject></subj-group></article-categories><title-group><article-title>МИКРОФИНАНСИРОВАНИЕ КАК ИНСТРУМЕНТ ФИНАНСОВО-КРЕДИТНОЙ СИСТЕМЫ: ОПЫТ, ПРОБЛЕМЫ И ПЕРСПЕКТИВЫ РАЗВИТИЯ В РОССИИ</article-title><trans-title-group xml:lang="en"><trans-title>MICROFINANCING AS A FINANCIAL-CREDIT SYSTEM TOOL: EXPERIENCE, ISSUES AND PROSPECTS IN RUSSIA</trans-title></trans-title-group></title-group><contrib-group><contrib contrib-type="author" corresp="yes"><name-alternatives><name name-style="eastern" xml:lang="ru"><surname>Воронцова</surname><given-names>Л. В.</given-names></name><name name-style="western" xml:lang="en"><surname>Vorontsova</surname><given-names>L. V.</given-names></name></name-alternatives><email xlink:type="simple">vorontsova@ieml.ru</email><xref ref-type="aff" rid="aff-1"/></contrib><contrib contrib-type="author" corresp="yes"><name-alternatives><name name-style="eastern" xml:lang="ru"><surname>Евсеев</surname><given-names>Г. В.</given-names></name><name name-style="western" xml:lang="en"><surname>Yevseyev</surname><given-names>G. V.</given-names></name></name-alternatives><email xlink:type="simple">vorontsova@ieml.ru</email><xref ref-type="aff" rid="aff-1"/></contrib></contrib-group><aff-alternatives id="aff-1"><aff xml:lang="ru">Институт экономики, управления и права (г. Казань)<country>Россия</country></aff><aff xml:lang="en">Institute of Economics, Management and Law (Kazan)<country>Russian Federation</country></aff></aff-alternatives><pub-date pub-type="collection"><year>2012</year></pub-date><pub-date pub-type="epub"><day>30</day><month>03</month><year>2012</year></pub-date><volume>0</volume><issue>1</issue><fpage>179</fpage><lpage>185</lpage><permissions><copyright-statement>Copyright &amp;#x00A9; Воронцова Л.В., Евсеев Г.В., 2012</copyright-statement><copyright-year>2012</copyright-year><copyright-holder xml:lang="ru">Воронцова Л.В., Евсеев Г.В.</copyright-holder><copyright-holder xml:lang="en">Vorontsova L.V., Yevseyev G.V.</copyright-holder><license license-type="creative-commons-attribution" xlink:href="https://creativecommons.org/licenses/by/4.0/" xlink:type="simple"><license-p>This work is licensed under a Creative Commons Attribution 4.0 License.</license-p></license></permissions><self-uri xlink:href="https://www.rusjel.ru/jour/article/view/802">https://www.rusjel.ru/jour/article/view/802</self-uri><abstract/><trans-abstract xml:lang="en"/><kwd-group xml:lang="ru"><kwd>микрофинансирование</kwd><kwd>микрокредитование</kwd><kwd>микрофинансовая организация</kwd><kwd>финансовые услуги</kwd><kwd>финансово-кредитная система</kwd><kwd>небанковская кредитная организация</kwd><kwd>микробизнес</kwd><kwd>займ</kwd></kwd-group><kwd-group xml:lang="en"><kwd>micro-financing</kwd><kwd>micro-crediting</kwd><kwd>micro-financing organization</kwd><kwd>financial services</kwd><kwd>financial-credit system</kwd><kwd>non-banking crediting organization</kwd><kwd>micro-business</kwd><kwd>loan</kwd></kwd-group></article-meta></front><back><ref-list><title>References</title><ref id="cit1"><label>1</label><citation-alternatives><mixed-citation xml:lang="ru">Усоскин В.М. 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