TY JOUR TI LENDING TO INDIVIDUALS BY COMMERCIAL BANKS IN KABARDINO-BALKAR REPUBLIC: CURRENT STATE KW lending to individuals KW consumer preferences KW interest rates KW auto loans KW mortgage loans KW loans for emergency needs JO Services in Russia and abroad AU ALIKAEVA, M.V. AU Oborin, M.S. AU NALCHADZHI, T.A. AU Gvarliani, T.E. PY 2017 IS 11 PB Russian State University of Tourism and Service