Amanat Credit 6

Amanat Credit

Company

Kyrgyzstan

Country

The project

The financial sector in Kyrgyzstan is developing slowly. This is due to a combination of dependence on foreign money flows, limited access to capital, high interest rates, and a large informal economy. It is precisely within this informal economy that micro and small entrepreneurs need financing, yet it remains structurally difficult to obtain.

For many small-scale entrepreneurs, loans are either too expensive or simply unavailable. Traditional banks require collateral that they cannot provide. As a result, especially in rural areas, entrepreneurs remain without access to credit and operate day to day, with little room to invest or plan ahead.

Amanat Credit addresses this gap. As a microfinance institution, Amanat focuses on entrepreneurs who fall outside the scope of traditional banks. Through loans without heavy collateral requirements, the organisation supports small businesses in sectors such as trade and agriculture, where the need for flexible working capital is high.

What does this financing make possible for entrepreneurs? With access to credit, they invest in inventory or equipment and are better able to manage seasonal fluctuations. The loan gives them room to look ahead, rather than stand still.

Facts about Amanat

• More than half of Amanat’s clients are women.
• The organisation is led by a female CEO.

Through this project, Amanat gains access to capital that enables it to continue financing entrepreneurs sustainably, particularly in a market where affordable funding sources are scarce. By investing in stable, local financing, you contribute to a more financially inclusive Kyrgyzstan.
 

Amanat on Lendahand

• Active on Lendahand since: November 2024
• Total raised: €423,220
• Already repaid: €103,999
• Interest disbursed: €12,391
• Payments on time: 3 out of 3 (100%)
   

Your Investment

• Annual interest rate: 7%
• Maturity: 12 months
• For a €1,000 investment, the expected total repayment is €1.053
• Repayment: Every six months. This means that the loan is repaid in two instalments, one every six months. Interest is also paid every six months.
• Currency: dollar. Please note that while you invest in euros, the loan is in dollars, which means there is a risk of currency fluctuations between the two. For more details, visit our currency risk page.