Despite the high interest rate environment, the recent decrease in purchasing power has led to an increase in demand for personal loans. Since the beginning of the year, personal loans have increased by 33%. According to the Banking Regulation and Supervision Agency, there has been an 8% increase in mortgage loans since the beginning of the year, while vehicle loans have decreased by 19%. In addition to the 33% increase in personal loans, there has been a 39% increase in individual credit card usage. There is also a rise in non-performing loans, with a 55% increase in personal loans and a staggering 180% increase in credit card debt.