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Objectives The policy of the state microcredit system should be aimed at achieving the maximum possible value of the indicators I.MFO, IB, IB and IBH. The greater the value of all of the introduced indicators IB, IFO, IB, IB and IB, the more effective from the point of view of state interests is the system of micro crediting . Method . The BLI and Diener models were used to assess the quality of life in terms of the possibilities and feasibility of using them to assess the effectiveness of the microcredit system. Result . In this paper, the formation of a composition of indicators to assess the effectiveness of the microcredit system based on the indicators considered in the proposed models is carried out. A variant is proposed for constructing an integral indicator for assessing the effectiveness of both the microcredit system as a whole and a separate microfinance organization (MFI). A list of 21 indicators was compiled, on the basis of which an integral indicator of the functioning of the MFO system was built. Conclusion . A set of indicators for evaluating the effectiveness of the microcredit system has been formed. Relations have been formed to estimate the value of the integral indicator of the effectiveness of the microcredit system, both at the level of the entire state and at the level of an individual region, which makes it possible to compare individual regions and states according to the degree of effectiveness of microcredit systems in them.

BUILDING AN INTEGRAL INDICATOR OF THE EFFECTIVENESS OF THE MICROCREDIT SYSTEM BASED ON THE ANALYSIS OF MODELS OF QUALITY OF LIFE