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Agriculture
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Farming households
Seasonal loans for seeds, equipment, feed and inputs — with a flexible repayment schedule tied to the harvest cycle.
MIKROFINANSOVAYA ORGANIZATSIYA AZIATSKI KREDITNY FOND is a microcredit organization for small businesses, farming households and entrepreneurs across Kazakhstan’s regions. We extend financing to those underserved by the major banks.
We believe access to finance should not be a privilege. A microloan isn’t charity — it is a tool that turns ideas into working farms, shops and workshops.
Seasonal loans for seeds, equipment, feed and inputs — with a flexible repayment schedule tied to the harvest cycle.
A dedicated program supporting women in business: from the first sewing workshop to scaling onto marketplaces. Preferential rates and mentor guidance through launch and growth.
Shops, cafes, services and craft workshops — loans for working capital, equipment and expansion.
Beyond business loans we also offer consumer and housing microcredits — for families that need funds for renovation, education or unexpected expenses.
A loan to launch a small enterprise — a shop, cafe or service in a regional town.
Seasonal financing for farms: sowing, feed, veterinary needs and small equipment.
A preferential program for women entrepreneurs with a reduced rate and mentor support.
A targeted loan for renovation, insulation, utility connections or finishing a home.
A general-purpose loan for education, treatment, appliances and unexpected family expenses.
We work with borrowers turned away by banks. A minimal document package and a clear process — no complex schemes or hidden terms that require legal expertise.
The full cost of the loan is known before the contract is signed. No hidden fees, no penalty ladders, no fine-print conditions.
We assess each borrower’s ability to repay before approval. Our goal is to help, not to push anyone into a debt trap.
If you are considering a microloan for your business or family, write to us. Tell us about the purpose of the loan, the amount you need and the term you have in mind. Our specialist will pick a suitable program and explain which documents will be required.
We respond to every inquiry personally, within one business day. What matters to us is that you make the decision understanding every condition — without pressure and without rush.