Our customer Gulzhan Kukubaeva lives in Saryagash city together with her husband and two sons.

A business idea to organize alterations, custom suits, and sewing services has become quite popular last time. Many people want to wear only exclusive, tailored clothes for them despite the significant number of fashion stores. Therefore, our client Gulzhan Kukubaeva has been sewing clothes for over 25 years. The Atelier locates in Saryagash downtown with high people concentration. That is why her services in great demand.

Gulzhan has been a client of Arnur Credit since 2013 and has continued to develop her business. With her first loan funds, she bought additional sewing machines and supplies for sewing clothes and recruited assistants. To date, she has increased the amount of the microcredit line to 2,000,000 tenges. She purposefully used all loans to expand the business — every time she buys large quantities of fabrics from Tashkent, Bishkek, and Shymkent. On festive days, Gulzhan takes orders for tailoring ballroom and carnival dresses. And we, in turn, wish her more customers and the prosperity of her business.

Nargiza Kadirova has been living and running her own business in the Sairam residential area, the Turkestan region, for 20 years. The client's main activity is the manufacture and sale of fermented milk products such as kurt, cream, and cottage cheese.

Nargiza learned about the microfinance services of Arnur Credit from a neighbor who increased the number of his livestock through cooperation with Arnur Credit. For the first borrowed funds for 10,000,000 tenges, the client purchased equipment for the powdered milk production, which became the impetus for expanding her business.

The entrepreneur sells 3,000 kilograms of fermented milk products per month and has her wholesale buyers in Shymkent, Kyzylorda, Almaty, and Karaganda. The total loan amount is 31,000,000 tenge. During this time, her business created 12 jobs.

Our client Akzia Yerbatyrova has her grocery store located in the Kyzylorda area of the Aral region. She has been doing business for 14 years.

A woman entrepreneur started her first collaboration with Arnur Credit in 2013. Over the years, thanks to a partnership with Arnur Credit, she expanded her business, opened a second grocery store, purchased trade equipment and payment terminals for the stores. Together with her son, she is also involved in the wholesale of food products. For the delivery of bulk orders, she purchased a truck using borrowed funds. The client rents a warehouse for storing perishable food.

The total loan amount is 9,200,000 tenge.

Khalipa Usenova, a resident of the Zhetysay region and an individual entrepreneur, has been selling children's and women's clothes at the Kulparshyn market for seven years.

The client began her cooperation with Arnur Credit in February 2014, having received a loan of 500,000 tenges. Thanks to microcredit funds, a small retail desk turned into a retail store. The business began to grow, the assortment expanded. The total amount of the loan was 3,000,000 tenge.

A 55-year-old resident of the Shymkent city Saule Sarsenova has been developing her business since 2002 with her son and husband. The family sells cement, sand, coal, and firewood. The client purchases the goods at the local factories such as n Shymkent Cement JSC, Standard Cement LLP, Sastobe Cement LLP.

The client began her partnership with Arnur Credit in 2013, applying for the first loan of 5,000,000 tenges to increase turnover. Saule Ysayevna has developed a good reputation among clients. The cost of her product is lower than competitors, so she has many regular customers. The client expands her business and stock of goods from year to year, as she sells at a wholesale price.

Besides her main activity, our client has opened a cafe that accepts orders for large events.

At the moment, the business brings a stable income of 7,000,000 tenges per month. The total loan amount is 48 million tenges.

A resident of the Temirlan village in Ordabasy region, Saulebay Mirash Koldasinkyzy has been running her own business for ten years.

She started as a cook, a mother of three children, renting a small dining room called Dostar, which consisted of one room and a kitchen. She paid 10 thousand tenges for rent.

In 2011, she learned about lending opportunities from Arnur Credit's employees, became interested, and since then has been our regular client.

She spent her first small loans in 150,000 - 300,000 tenges to purchase the dining room's semi-cooked food. After eight years of cooperation, Mirash Koldasinkyzy managed to buy out the Dostar dining room and expand it by adding additional premises to 40-50 clients. The business employs three people. The total funding amount is 12 million tenges.

Zhuzimkul Kalieva is one of the successful women entrepreneurs who contribute to the economic development of Turkestan. She is interested in the further growth and development of her business.

For the first time, a client borrowed funds from ArnurCredit in 2016 to buy and sell luxury tableware. In connection with a significant increase in sales, our employees offered to open a microcredit line of 2,000,000 tenges in 2017. This amount increased to 3,000,000 tenges in 2018.

Today, Zhuzimkul Kalieva runs a stable business, which brings in a net income of 4,000,000 tenges per month. A wide range of goods worth 20,000,000 tenges ensures high competitiveness and regular customers. The shop employs two people.

A resident of Turkestan, Amina Moldabekova has been running her own business for 20 years. The client started her business from a rented outlet in the market, selling sewing accessories. Hard work and dedication have enabled the client to grow as an entrepreneur.

Cooperation with "Arnur Credit" began in 2017 with a loan of 500,000 tenges. Later, in connection with the demand for borrowed funds for business, Amina Turakhanovna decided to open a microcredit line for 3,000,000 tenges.

To date, the client is the owner of two stores selling accessories, and she is also engaged in sewing curtains at home. Has goods worth 5,000,000 tenges. Her business provides work for two people.

Individual Entrepreneur Khavazmat Irismatovich Tolametov, born in 1973, residing in Sayram village, Sayram district of South Kazakhstan region, client of Sayram District Branch of Arnur Credit LLP. He is married and has five daughters and one son.

During 10 years the Client was engaged in entrepreneurial activity, more exactly, owns two shops. One shop is a wholesale, the second shop is equipped as a mini-market.

I learned about MFO Arnur Credit LLP during the advertising campaign of MFO Arnur Credit LLP held in our shop.

For the first time I applied to MFO Arnur Credit LLP in December 2012, then I needed money to increase the turnover. Upon the receipt of the first credit I significantly expanded the range of goods in the shops and purchased two freezers and three large refrigerators. During a year I was credited with no arrears, and on the basis of my positive credit history and discipline, MFO Arnur Credit LLP opened a micro-credit line for me to make the process of micro crediting easier.

Within my credit line I received 4 tranches. With the first tranche 2 500 000 KZT I restored my wholesale shop “Oybek”, acquired two 40-ton containers and opened one more wholesale point for flour, sugar and household chemicals. The second credit amount of 400 000 KZT was invested in the opening of another beverage wholesale point. All subsequent tranches I invested in the increase and expansion of the product range.

In connection with the increased demand of the local population, good turnover and thanks to the cooperation with MFO Arnur Credit LLP, I plan to open one more mini-market.

Thank you for support.

Nurgeldy Oserbaevich Klushev, born in 1983, resident of Lenger, Tolebi District of South Kazakhstan region, a client of Sayram Branch of MFO Arnur Credit LLP.

During 6 years is engaged in growing horses. Nurgeldy Oserbaevich learned about MFO Arnur Credit LLP from his neighbor, who thanks to the cooperation with Arnur Credit managed to increase the livestock population. He addressed MFO Arnur Credit LLP for the first time in 2013, at that time he already had a small farm with cows and horses. The first borrowed funds of 1 700 000 KZT he spent for the purchase of 15 heads of horses and cows and, thus, increased the farm livestock.

Within my microcredit line, I received 6 trenches. They were implemented and successfully invested in the development of my family business, thanks to which I have a stable income.

The receipt of each next tranche within the micro-credit line opened to me, with a limit of 3 million KZT, greatly facilitated the access to microcredit funds. The part of the borrowed money was directed to increase the number of dairy cows and the remaining part - to improve the conditions of cattle living on the farm.

Currently thanks to the cooperation with MFO Arnur Credit LLP I have a decent farm with 50 horses.

Thank you for support.

Client Kuralbek Sydykov, residing in Saryagash district of South-Kazakhstan region. He is married and has five children.

The Client is engaged in cattle-breeding for more than 15 years. The Client has a farm situated on the plot of 130 ha. The Client receives services in the Saryagash District Branch MFO Arnur Credit LLP since 2012. The first microcredit was received of 1 000 000 KZT for the increase of livestock number. At the time of the first tranche, the Client had 20 heads of black cattle, 2 horses and 200 heads of small cattle. For the microcredit money, the Client bought 4 horses and 10 heads of black cattle. For the money of the second tranche of 2 000 000 KZT the Client bought 50 heads of black cattle and fully extended the stalls. The following microcredit of 1 200 000 KZT the Client invested in buying of 100 heads of black cattle. During the microcrediting period, the Client significantly increased the livestock number by 300 heads of small cattle and additionally extended the cattle barn for additional 300 heads. Thus, the Client expanded its business and improved the financial standing of his family.

I am Pernaly Baygenov Omar, a resident of Shubarsu village, Ordabasy district, South Kazakhstan region.

During 15 years I was engaged in the cattle breeding, namely, the purchase and sale of small livestock. I learned about MFO Arnur Credit LLP from my neighbor, who thanks to the cooperation with Arnur Credit managed to increase the livestock population. At the time of first application to MFO Arnur Credit LLP a had a mini-farm with 25 milk cows and 15 calves.

Pernaly Baygenov Omar for the first time applied to MFO Arnur Credit LLP in August 2013. The first borrowed funds of 700 000 KZT he spent for the purchase of 7 cows, thus, increased the farm livestock.

Within my microcredit line, I received 6 tranches. They were implemented and successfully invested in the development of my family business, thanks to which I have a stable income.

The receipt of each next tranche within the microcredit line opened to me greatly facilitated the access to microcredit funds. The part of borrowed money were directed to increase the number of cows and the remaining part - to improve the conditions of cattle living on the farm.

Currently, thanks to the cooperation with MFO Arnur Credit LLP, I have a good farm with 48 dairy cows, 10 steers and 10 calves.

Thank you for your support!

Client Malik Omirzakovich Kurmashev residing in the Ushkyn country district, Saryagash district, South Kazakhstan region. He is married and has four children.

The Client is engaged in the crop growing for more than 30 years, specifically, he grows early cabbage and potatoes on the open ground. He also has a greenhouse, where grows tomatoes and cucumbers. He carries out a business on a plot 4.5 ha, 30 acres of which are occupied by the greenhouse. The Client receives services in Saryagash District Branch MFO Arnur Credit LLP since 2009. The Client received the first microcredit of 300 000 KZT for the business development - for this money he built a greenhouse of 10 acres. The second tranche of 300 000 KZT was invested in the working capital. The following tranches the Client invested in the development of greenhouses. Currently, the Client expanded the greenhouse to 30 acres and improved the economic situation of the family.

Sultonbek Alibekovich Kudabaev, born in 1972, resident of SKR, Ordabasy District, Shubarsuskiy rural district, Shubarsu village, client of Ordabasy District Branch of MFO Arnur Credit LLP. He is married and has 3 sons and one daughter.

For 10 years I was engaged in entrepreneurial activities, I have shops for the sale of food products and construction materials.

I learned about MFO Arnur Credit LLP from my relative, who was microcredited by MFO Arnur Credit LLP during the advertising campaign of MFO Arnur Credit LLP held in our shop.

For the first time I applied to MFO Arnur Credit LLP in June 2011, then I needed money for the shop construction. During a year I was microcredited with no arrears, and on the basis of my positive microcredit history and discipline, MFO Arnur Credit LLP opened a micro-credit line for me to make the process of microcrediting easier.

Within my microcredit line I got 1 tranche of 2 000 000 KZT to increase the range of goods in Bekzhan shop, wholesale of flour and sugar, household chemicals, in order to open one more sales point for beverage wholesale. All subsequent tranches I invested in the increase and expansion of the product range.

In connection with the increased demand of the local population, good turnover and thanks to the cooperation with MFO Arnur Credit LLP, I plan to open one more mini-shop.

Thank you for support!

Arnur Credit is proud of the success of its clients. Among them is Guli Abubakirova, one of the leading entrepreneurs in the healthcare sector of Turkestan.

Guli has been working in the pharmacy business for ten years and does not get tired of developing it. She always listens to the needs of her clients who come to her for medicines. Thanks to her sensitivity and cooperation with "Arnur Credit," Guli opened a treatment room so that her clients could receive professional medical care along with drugs when they need to get droppers or injections.

Like our other clients, Guli loves her job and develops it every day. Residents of nearby areas are grateful to her for the opportunity to receive first aid in a new treatment room, without queues, not far from home, with warmth and care for their health.

Together with a microcredit line from Arnur Credit, Guli Abubakirova is always confident that she will find new opportunities for her sustainable growth. Join us in partnership with us. Together with financial services, we are ready to support your business with non-financial BIKESH programs. With "BIKESH," every woman entrepreneur can attend a unique series of training events called "Syrlasu" and receive a loan under the EBRD "Women in Business" program. For details, call +77787460638.

This remarkable story belongs to Kymbat Koshekova from Turkestan.

For 12 years now, Kymbat Koshekova has made beautiful handmade cases, pillows, and reed curtains, helping clients make their homes cozy according to national traditions. Love for the Kazakh ornament, the skill of folding an intricate decoration from colored scraps of fabric, and an entrepreneurial spirit brought a woman entrepreneur to our Turkestan office in the spring of 2018. Having received the first loan of 500 thousand tenges for business development, Kymbat Akzhigitovna expanded the range. Now clients can buy her products in the Kuralai Ana trading house and the Kuanysh market.

Having become our regular client, Kymbat Koshekova realized her business goal and grew as an entrepreneur. By attending training seminars "Syrlasu" under the "BIKESH" program, Kymbat expanded her business knowledge and made new acquaintances among the same women-entrepreneurs she did. By exchanging experience, revealing their talent, each of our clients can reach new heights in their business.

If you also want to participate in the "BIKESH" program and receive a microloan to develop your business, call +77787460638.