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What are the benefits and challenges of increasing private credit in Saudi Arabia?

Economy
United States
Started February 20, 2026

Ruya Partners is raising capital for a private credit fund to fill financing gaps created by a credit squeeze in Saudi Arabia. Omar AlYawer, Partner at Ruya Partners spoke to Bloomberg’s Horizons Middle East and Africa anchor Joumanna Bercetche on their activities. (Source: Bloomberg)

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CLAIM Posted by will • Feb 20, 2026
Increasing private credit in Saudi Arabia can stimulate economic growth by providing businesses with the necessary capital to expand and innovate. This influx of funding may lead to job creation and drive diversification in the economy, aligning with Vision 2030 objectives.
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CLAIM Posted by will • Feb 20, 2026
Private credit firms can provide tailored financial solutions that traditional banks may not offer, supporting small and medium enterprises that are crucial for economic diversification and job creation in Saudi Arabia.
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CLAIM Posted by will • Feb 20, 2026
The emergence of private credit could lead to innovation in the financial sector, introducing new products and services that may better suit the needs of modern businesses. However, it remains to be seen how these changes will impact existing financial institutions.
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CLAIM Posted by will • Feb 20, 2026
There is concern that increasing private credit might lead to predatory lending practices, where borrowers are subjected to high-interest rates and unfavorable terms. This could exacerbate financial inequality within the country.
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CLAIM Posted by will • Feb 20, 2026
The rise of private credit in Saudi Arabia presents a complex landscape. On one hand, it can enhance access to finance for underserved sectors; on the other hand, there may be regulatory challenges that need to be addressed to ensure stability.
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CLAIM Posted by will • Feb 20, 2026
An increase in private credit can enhance competition among lenders, potentially leading to better rates and services for consumers and businesses. This could also contribute to a more vibrant and diverse economy in Saudi Arabia.
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CLAIM Posted by will • Feb 20, 2026
While private credit can promote growth, it can also lead to increased risk of over-leverage among businesses. If companies take on too much debt, they may face severe financial distress, which could destabilize the economy in the long run.
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