DUNS
301871249
Licensed MFO • Kazakhstan
Microloans under license
Microloans under license
of the financial regulator
MIKROFINANSOVAYA ORGANIZATSIYA SANA, TOO is a microfinance organization issuing loans to individuals and small and medium businesses under the supervision of the Agency for Regulation and Development of the Financial Market of the Republic of Kazakhstan.
2 hrs
Average decision time
5M ₸
Maximum loan amount
36 mo.
Maximum term
100%
Regulatory reporting
About
A finance partner for those who need it faster
We extend microloans to individuals and SME borrowers who value speed, clear terms and working with a licensed organization supervised by the financial regulator. No intermediaries and no grey schemes — only official contracts and transparent reporting.
01
Official status
ARDFM license, regular reporting and audits — we operate strictly within the legal framework.
02
Decision speed
Scoring and approval within hours of submitting an application.
03
Transparency
The full cost of the loan is in the contract. No hidden fees and no fine print.
Loan calculation
Sample terms
Below is an example of typical microloan parameters for an individual borrower. Exact terms are determined individually based on scoring results.
Loan amount
500,000₸
50,000 ₸
5,000,000 ₸
Monthly payment
52,800₸
For a 12-month term at the standard rate for individual borrowers.
Loan term
12 months
Repayment type
Annuity
Total cost
633,600 ₸
Overpayment
133,600 ₸
How it works
Four steps to receiving funds
Applications are submitted online. Every stage happens inside your account — no office visit needed until the contract is signed.
Step 01
Registration & application
Create your account on the website, provide passport data, IIN and the loan parameters you need: amount and term.
Step 02
Scoring & review
Automated check of credit history and ability to repay. A decision arrives within 2 hours during business hours.
Step 03
Contract signing
Review the full cost and the payment schedule. Sign the contract with an electronic signature or in the office.
Step 04
Receiving funds
Funds are transferred to a bank card or account immediately after signing. Repayment follows the schedule in your account.
Products
Microcredit programs
Four core programs for different needs — from consumer purchases to topping up business working capital.
Program 01
Individuals
Program 02
For SME
Program 03
Express
Program 04
Secured
Microloan for individuals
A targeted or general-purpose loan for citizens of the Republic of Kazakhstan with confirmed income. Suitable for major purchases, renovation, education and unexpected expenses.
- No guarantors or collateral required
- Decision within 2 hours
- Transparent payment schedule
- Early repayment without fees
Amountup to 5,000,000 ₸
Term3 — 36 mo.
RepaymentAnnuity
Age21 — 65 yrs
ConfirmationIncome statement
DecisionUp to 2 hours
⚖
License
Agency for Regulation and Development of the Financial Market
Regulation
Operating under financial regulator supervision
MIKROFINANSOVAYA ORGANIZATSIYA SANA, TOO operates in full compliance with the Law of the Republic of Kazakhstan «On Microfinance Activity». We report regularly to the Agency for Regulation and Development of the Financial Market.
- Law «On Microfinance Activity» No. 56-V
- Regulator Agency for Regulation and Development of the Financial Market
- Rate Within the cap set by the regulator
- Protection Law «On Protection of Financial Service Consumers»
Contact
Get in touch
All inquiries — via email or the personal account area.
MIKROFINANSOVAYA ORGANIZATSIYA SANA, TOO
Company details