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The effects of COVID-19 are currently pushing many economies into recession, affecting almost all countries and many billions of people worldwide. In order to recover from the economic downturn caused by COVID-19 and to promote regional development in Latvia, business lending plays an important role in our days. At present, the total amount of loans issued by credit institutions in Latvia has decreased compared to the previous analogue period, and according to statistics from the Finance and Capital Market Commiss...