Amanat Credit

Amanat Credit

Company

Kyrgyzstan

Country

The project

Dilara is a dedicated caregiver. She started managing a small care home in Kyrgyzstan in 2016. Today, she oversees several specialized care homes and employs over 10 highly skilled staff members. To improve the quality of care, Dilara needed new medical equipment. When traditional banks refused to provide the necessary funding, she turned to Amanat Credit for a microloan.

Your investment in Amanat Credit promotes economic inclusion in Kyrgyzstan by enabling microloans for 150 entrepreneurs like Dilara. Thanks to Amanat Credit’s support, these entrepreneurs can grow their businesses, which contributes to their financial independence and the development of their communities. By investing, you are not just improving individual lives but also strengthening the local economy.
 

What social impact does your investment make?

Kyrgyzstan has a vulnerable economy with high unemployment and poverty, especially in rural areas where financial services are hard to come by. Amanat Credit addresses this by offering microloans to small business owners, helping them start or expand their ventures and secure a stable income.

Amanat Credit places special emphasis on supporting female entrepreneurs, ensuring that at least 50% of their loans go to women. Your investment in Amanat Credit directly improves the economic conditions in Kyrgyzstan by helping these entrepreneurs on their path to financial independence.
 

What potential financial return does your investment offer?

• Annual interest rate: 6.5%.
• Loan term: 24 months.
• Repayment in equal installments every six months, meaning the loan will be repaid in four equal installments over the 24-month term, with interest also paid every six months.
• For a €1,000 investment, the expected total repayment is €1,081.
• Keep in mind, while you invest in EUR, the loan is in USD. This introduces a risk of currency fluctuations between the dollar and euro. For more details, visit our currency risk page.
   

The story of Amanat Credit

Amanat Credit is a microfinance institution in Kyrgyzstan, established in 2006 by private investors. Since its inception, Amanat Credit has played a vital role in addressing Kyrgyzstan’s economic challenges, particularly in remote and rural areas where people often lack access to traditional banking services.

Amanat Credit provides small loans to entrepreneurs in these hard-to-reach areas, along with financial education and guidance. This targeted support not only helps entrepreneurs grow their businesses but also promotes sustainable practices, contributing directly to the country’s economic development.
 

Amanat Credit in numbers

• Founded in 2006
• 154 employees
• Active loans as of July 1, 2024: 19,984
• 50% of their borrowers are women