| Armenia | 12% |
| Azerbaijan | 4% |
| Georgia | 7% |
* The question was asked in December 2010, for the last 6 months
Source: CRRC CB 2010
Households that borrow money to pay for monthly utilities*
| Armenia | 12% |
| Azerbaijan | 4% |
| Georgia | 7% |
* The question was asked in December 2010, for the last 6 months
Source: CRRC CB 2010