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Credit rating from Fitch Ratings

Arnur Credit's ratings reflect its small franchise in the micro-finance sector in Kazakhstan, its focus on higher-risk customers (including the seasonal agricultural segment and small SMEs), only basic underwriting standards and risk controls, small absolute size of capital and confidence-sensitive wholesale funding. The ratings also reflect Arnur Credit’s modest and well-controlled credit losses, sound capital ratios and a record of solid profitability.

According to Arnur Credit is one of the largest micro finance organisation (MFO) in Kazakhstan mostly servicing borrowers from rural areas. AC operates through 43 sale points, predominantly in the south of Kazakhstan. The company has made significant steps to diversify its business model, with the total loan portfolio amounting to KZT33 billion at end-1H23 (USD75 million), split into 54% agricultural loans, 42% SME loans and4% other consumer loans. In Fitch’s view the company still remains a niche market player, competing with larger microfinance companies and banks

Due to Arnur Credit's focus on the underbanked population in rural areas, its positive social impact facilitates its access to funding from IFIs, Fitch awarded an ESG score of '4' [+] for Exposure to Social Impacts.

For more information see the Fitch website