The project

Please note: 1st principal repayment after 12 months instead of 6 months. However, the interest payments start after 6 months.

Ismatov started his farm with a modest piece of land and a handful of chickens. A $1,000 loan from Oxus enabled him to invest in machinery to boost productivity. With the increased income this generated, he was able to buy more land. Ismatov's story shows the impactful effect of microfinancing when tailored to specific local needs.

Microfinance institution Oxus Tajikistan excels at understanding and adjusting to Tajikistan's specific economic and social challenges. This means designing financial products that truly resonate with the needs of local clients. Their fast disbursement procedures, flexible lending conditions, and competitive interest rates have ensured that clients like farmer Ismatov receive an individualised approach. It shows the dedication of Oxus to genuinely contribute to growth and progress in the country. By investing in Oxus, you are actively participating in the growth stories of 135 Tajikistan SME entrepreneurs.

What social return could your investment make?

With their presence in rural areas of Tajikistan, Oxus supports often overlooked SMEs. Not only does this enable rural communities to advance socially, but it also drives regional economic development. Besides, over 40% of their loans are dedicated to female entrepreneurs, promoting gender equality and amplifying women's roles in business.

Microfinance institutions (MFIs) like Oxus are indispensable in the local economy. They fill gaps left by traditional banking systems, ensuring that fundamental businesses and marginalised sectors get the financial support they need to grow. An investment in Oxus, therefore, resonates beyond immediate returns, planting seeds for a broader societal transformation.
 

What financial return could your investment generate? 

• Annual interest rate 5,5%
• The maturity of the loan is 24 months
• Grace period: the first repayment of your investment will be made after 12 months. After that, there will be a repayment every 6 months
• With an investment of 1,000 euros, your expected total repayment would be 1,075 euros.
• This is a local currency (LCY) project, but the exchange risk is covered by our partner TCX. Please read our blog and FAQ for further information.

The story of Oxus

Founded in 2005 by the globally recognized NGO ACTED*, Oxus has grown to be a significant player in the microfinance landscape. ACTED's commitment to socio-economic development led them to establish Oxus, ensuring financial inclusion for underserved communities. Today, ACTED remains the largest shareholder of Oxus Holding, underlining their continuous support and belief in the power of microfinance.

In its commitment to bolstering the local economy, Oxus provides loans in the region's currency, ensuring borrowers are shielded from exchange fluctuations. An average loan from Oxus to an entrepreneur is $3,000. Furthermore, their emphasis on income-generating projects underscores their dedication to sustainable community development.

Oxus in numbers

• Founded in 2005
• 27 active branches across Tajikistan
• >200 employees
• >14 000 clients

*Acted is also a shareholder of Hands-on BV (under the brand name Lendahand). However, with a stake of only a few percent, this does not hinder us from displaying the proposition on our website. For more information, see the FAQ 'How does Lendahand address potential conflicts of interest?'