We have become a reliable business partner for our customers, who is always ready for mutually beneficial cooperation, which allows us to constantly grow and develop, expand our business and increase our capital
Our microcredit - your success!
MISSION
«Arnur Credit» helps to improve the quality of life of the economically active part of the population of South Kazakhstan by providing microfinance services
VALUES
Perfection in everything that we do - we work quickly and efficiently. We constantly strive to become better in all aspects of our activities
POSITIONING
We offer financial products combined with consulting and training support to help you grow your business and meet your goals and desires.
We are one of the few microfinance organizations providing microloans to promote the growth and development of small businesses in rural areas of Southern Kazakhstan.
We directed all our efforts to increase the standard of living and the social status of the rural population in modern society, as well as to increase the general well -being of society.
We are actively cooperating with international microfinance organizations, Kazakhstani NGOs and business support funds, actively participating in international and regional micro -financing conferences.
The history of our company
In February 2022, «Arnur Credit» registered bonds on the stock exchange (KASE) and received a credit rating from Fitch Ratings - «B. Forecast stable»
2022
In October 2018, Microfinanza Rating (Italy) conducted an interim audit and confirmed that «Arnur Credit» continues to fully comply with the Smart Campaign Client Protection Principles (CPP). Thus, the certificate is valid until October 2020
2018
In October 2016, the «Arnur Credit» received a Smart Campaign certificate, confirming the company's commitment to the Principles of Protection of Customer Protection Smart Campaign (CPP). The status of a certificate has been valid for four years. Certified institutions must undergo an intermediate audit after two years from the date of its receipt
2016
In June 2015, we successfully passed the state re-registration as a microfinance organization (MFO) «Arnur Credit» and were included in the register of microfinance organizations in the National Bank of the Republic of Kazakhstan.
2015
We have launched the project «Strengthening Human Resources Policies and Procedures» at «Arnur Credit», co-financed by IFC and Incofin Investment Management.
2013 – 2014
We became full members of the Microfinance Center for Central and Eastern Europe and the CIS countries (Warsaw, Poland)
2011 - 2012
We became full members of the Microfinance Center for Central and Eastern Europe and the CIS countries (Warsaw, Poland)
2010
Since 2004, we continue to expand our branch network by opening branches and offices in cities and villages of the Turkestan region of the Republic of Kazakhstan
2004 - 2009
LLP MFO «Arnur Credit» was founded in 2001, the head office is located in Shymkent
2001 - 2004
In March 2021, «Arnur Credit» received a license to carry out microfinance activities from the Agency of the Republic of Kazakhstan for the regulation and development of financial markets
Zaza Pirtskhelava is the CEO of JSC Credo Bank since 2017 to present. From 2014 to 2017 he was CEO of MFO Credo. In 1992 he graduated from Tbilisi State University, Faculty of Economic Statistics. After that he continued to get an education in Free University Business School ESM and in 2004 he became a Master of Financial Management. Zaza graduated from Harvard Business School's 2012 General Management Program (GMP). In 2022 he graduated from Harvard Business School Advanced Management Program (AMP). He has also successfully completed more than 25 training courses in business, finance, banking and general management in Georgia and Europe.
Member of the Board of Directors since 2013
Raushan Kurbanalieva
Ms. Raushan Kurbanalieva graduated from the Kazakh State Academy of Management with a degree in Economic and Social Planning. He has an MBA – Master of Business Administration degree from Almaty Management University, as well as certificates of CAP, USAID / CAMFA II "Financial services for rural areas and agriculture", an intensive MBA course and the A. Galunin School of Business Management.
Ms. Raushan Kurbanalieva has more than fifteen years of experience as Chairman of the Management Board of MFO Arnur Credit LLP. Engaged in attracting investments and grant funds from international investors. During its work under the leadership of Ms. Kurbanalieva, the Company has gone from a regional to one of the largest MFIs in Kazakhstan.
Ms. Raushan Kurbanalieva also has a long experience of membership in the Board of Directors. For more than three years he has been a member of the Board of Directors in the Microfinance Association of the Republic of Kazakhstan; for more than five years he has been an independent member of the Board of Directors in JSC «Shardarinskaya HPP»; for more than four years he has been a member of the Board of Directors in CJSC MDO «Humo» - one of the leading microfinance companies in Tajikistan.
Chairman of the Board of Directors since 2023
Damir Kakiyev
Mr. Damir Kakiyev has successful experience in improving internal operation in a bank and building an effective management systems.
He worked in different banks, where he developed and launched various digital products that helped to develop clients database, increase the level of digitalization in transactions of the institutions. Mr. Kakiyev studied standardization and certification of agricultural product at Kostanai State University and holds MBA in finance and credit.
Natalie is a member of the Board of Directors and a shareholder of Arnur Credit, one of the largest microfinance organizations in Kazakhstan. Natalie is also the Executive Vice President of Cotton CZ, an international cotton trading company representing Kazakhstani cotton on the world market.
Previously, she worked as a professional management consultant in Washington, DC, specializing in strategic communications and fundraising. She worked with her clients on the development and implementation of their marketing and business strategy, as well as managed their relationships with government agencies, international donor agencies and foundations. Ms. Zadzhikova also held the position of Senior Project Manager at the Independent North American Council on Kazakhstan (INACK), where she was responsible for the overall strategic planning and management of the Council. As the company's main point of contact with the governments of the United States, Europe and Eurasia, as well as private sector leaders, she actively promoted the strengthening of bilateral business and economic relations and investments.
Prior to joining the private sector, Ms. Zadzhikova was a senior fellow at the Institute for New Democracies, managing numerous international projects aimed at economic and democratic transition, legal reform, energy security and human rights. She has also worked for the European Energy Security Program CSIS and at Freedom House.
Ms. Zadzhikova holds a degree in international relations from Syracuse University. She was a visiting researcher at Moscow State University and speaks English, Czech and Russian fluently.
Member of the Board of Directors since 2021
Shabdan Tagaev
Template has more than 20 years of experience in the financial industry, including extensive regional experience in Central Asia and Eastern Europe, working for OikoCredit and Incofin Investment Management. He was also a member of the Board of Directors of Ararat Bank, Armenia.
Shabdan received his first degree in law from the Kyrgyz State National University, as well as an MBA from the School of Management of the University of Bath in the UK.
He currently works as a Senior Investment Manager at Incofin Investment Management, covering Turkey, Uzbekistan, Kyrgyzstan and Azerbaijan.
Member of the Board of Directors since 2021
John Staub
John is an experienced banker and consultant. He grew up in Zimbabwe, South Africa, graduated from the London University of Economics and Politics, and then received a master's degree in political science from the Hebrew University in Jerusalem.
Having worked for 21 years in the banking sector in Israel and the UK, he has worked on many banking consulting projects in the UK and CIS countries for the last 25 years. He has extensive experience in all aspects of banking, including corporate governance, lending, risk management, audit and strategy.
He served on the supervisory boards of several financial institutions in the UK, Armenia, Tajikistan, Kazakhstan, Russia and Belarus.
Member of the Management Board, Deputy Chairman of the Management Board for Financial Activities
Nurgali Bekkalievich
Mr. Nurgali Kopbosynov started working at Arnur Credit MFO LLP as Director of the Treasury Department in 2008, and in 2011 was appointed Deputy Chairman of the Management Board. Prior to joining Arnur Credit MFO LLP, Mr. N. Kopbosynov held a number of high positions in the banking sector, including as Chairman of the Management Board of Agrocredit Ordabasy LLP, Chief Accountant at Neftekhimbank JSC, Trust Bank AIB and Turkestan Bank JSC.
Mr. N. Kopbosynov received a degree in law from the International University of Humanities and Technology, as well as a degree in economics and Management in construction from the Kazakh State Academy of Architecture and Construction. He continued training in several certification and training programs, including the Institute of Professional Accountants, Training on the development of relations between MFIs and commercial banks by the World Bank and the Ministry of Agriculture of the Republic of Kazakhstan, the Russian Microfinance Center, training on the Branch Network of MFIs: graduated from the full course of the Business Coach A.Galunin School of Management.
Member of the Management Board, Deputy Chairman of the Management Board for Lending
Alisher Abdurakhimovich
Alisher Abdurakhimovich Abamuslimov is a member of the Management Board and Deputy Chairman of the Lending Management Board, supervises issues related to the management and development of lending and the branch network.
Mr. Alisher Abamuslimov graduated with honors from the University of Engineering and Humanities with a degree in Law. On the recommendation of the University Administration, he began his career at the Department of Economics and Law as a teacher in Financial Law, Banking Law, etc. He received a master's degree in Law from the International Kazakh-Turkish University named after A.Yassavi. In 2007, he continued his career in Kazkommertsbank as a lawyer.
Mr. Alisher Abamuslimov joined the Arnur Credit team in 2008 as a legal adviser to the branch. Subsequently, he held the position of a credit expert, head of the department and in 2011 became the director of the branch. In 2015, he became Acting Deputy Chairman of the Management Board for Operations with subsequent approval by the Board of Directors and became a member of the Management Board in 2018. Regularly participates in training seminars of the EBRD, IFC, ADB and others for top management, has a number of certificates in the field of management and finance.
Member of the Management Board, Director of the Risk Management Department
Ayman Nurlanovna
Ms. Bakhtybayeva joined the Arnur Credit team in 2014 as a regional manager. In 2018, she was promoted to Director of the Lending Department, and in 2019 she became Director of the Risk Management Department.
Prior to Arnur Credit, she worked for 12 years at KT ORDA Credit LLP in various positions, starting from the cashier to the head of the lending department. Ms. Bakhtybayeva participated in various training seminars from the EBRD, IFC, ADB and others for top management, has a number of certificates.
Ms. Bakhtybayeva graduated from Taraz State University with a degree in Accounting and Auditing.
Member of the Management Board, Managing Director for Digital Technologies
Igor Valerievich
Mr. Igor Pak graduated from Tomsk State University of Control Systems and Radio Electronics, Faculty of Computing Systems in 2006 and qualified as a CAD engineer (computer-aided design systems). In 2021, he graduated from the MBA in Almaty Management University in the direction of General and Strategic Management. Has a certificate of Procuration with SAP ERP 6.0 EHP6. and a certificate in Strategic Marketing from the Kiev Academy of Media Arts.
He has been working in the field of software development, IT consulting, ICT infrastructure and cloud services for more than 16 years, 7 of which have been in leadership positions.
The purpose of the charitable and sponsorship activities of LLP MFO «Arnur Credit» is to increase the social responsibility of the company, consolidate personnel, increase the level of responsibility and self-esteem. The company, as an active member of society, does not stand aside from participation in the public life of the country.