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funding gap emerging markets


  • OXUS
  • Invest in microfinance
  • + 695 other investors
  • Farmer Abdurahmonov secured a $3,000 loan from Oxus Tajikistan, using it to purchase seeds and fertilizers, and was thus able to increase his harvest. This boosted his income and uplifted his family's livelihood. By investing in Oxus, you're supporting 215 other Tajikistan entrepreneurs, empowering them to thrive.

    24 months
    6 months
    Maturity24 months
    Repayments6 months
      Fully funded in 27 days on 29 November 2023.

      The project

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

      Abdurahmonov, a farmer from Tajikistan's Khorasan region, sought to expand his farming. In 2022, he secured a 34,000 somoni loan (about $3,000) from Oxus and used it to buy seeds and mineral fertilisers, and to get his land ready for a better yield. This investment in his farm allowed him to increase his land and boost his yields significantly. His dedication led to an improved income, positively impacting his family's life. Later, he secured another 50,000 somoni (about $4,500) loan to invest in new machinery and equipment, further scaling his operations.

      Microfinance institution Oxus excels at understanding and adjusting to Tajikistan's specific economic and social challenges. They design financial products aligned with local needs. Quick disbursement, adaptable lending, and competitive rates ensure clients like Abdurahmonov benefit from a tailored approach. It shows Oxus’ dedication to genuinely contribute to the growth and progress of the country. By investing in Oxus, you join the journey of 215 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 1,083 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?'

      Company nameOXUS
      CEOVatansho Vatanshoev
      Credit scoreA


      OXUS is a microfinance institution in Tajikistan committed to offer financial services to the working poor and unbanked entrepreneurs in the country. Access to finance is an effective tool against poverty. It increases entrepreneurial activity, resulting in job creation, empowerment, and economic development. The MFI serves entrepreneurs and people in rural areas, where 80% of their clients live. 40% of their client portfolio are female entrepreneurs.


      SDGs impacted

      With this project, you are contributing to the following Sustainable Development Goals:

      SDG 1 - No poverty

      SDG 8 - Decent work and economic growth

      Read more about the impact you can make through our platform and the SDGs on our impact page.


      Related blog posts

      Read the introduction of OXUS as a new investment opportunity here.

      Get to know more about Tajikistan here.

      Want to learn more about how financial inclusion can thrive entrepreneurship? Read here.

      Wondering which other microfinance institutions we have in our portfolio? Check them out here.

      • With this investment 11 jobs are created
      • With this investment 830 lives are improved

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      We have already contributed to OXUS 4

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