About us

Microcredit company “Universal Credit” (formerly “Universal Finance & Credit”) is a microfinance organization created in the form of a limited liability company and operating in accordance with the legislation of the Kyrgyz Republic since 2006.

Currently, the Company is among the top 10 microfinance companies in terms of loan portfolio volume, number of clients served and capital.

The head office of the Company is located in Bishkek; in addition, there are 5 branches in the Chui region and one branch each in Osh and Issyk-Kul regions.

“Universal Credit” is an active member of the Association of Microfinance Organizations – AMFO and the Association of Credit Information Users.

For 18 years, the Company has been constantly growing, expanding its customer base; during this time, about 120 thousand loans were provided for a total amount of 6,382 billion soms (about 74 million US dollars).


Social responsibility

The Company is responsible for the impact of our activities on society and the environment through transparent and ethical business practices. Our activities contribute to sustainable development, including the health and well-being of our customers.

Our mission

provide ACCESSIBLE, convenient and fast microloans that help meet the needs of clients, develop their business and INCREASE THEIR WELL-BEING.


Universal Credit company profile

Awards

Letter of appreciation

Association of Microcredit Organizations

Letter of appreciation

Microcredit company "Frontiers"

Letter of appreciation

Public Charitable Foundation "Надежда детей"

Letter of appreciation

Microcredit company "Frontiers"

Customer Reviews

Aziza
Sattarova

Currently, I live in Osh and work as a Kyrgyz language teacher at Osh Technological University. Since 2021, I have been receiving a loan from MKK “Universal Credit”, and I received the last loan in 2023 for the eighth time. It is difficult to collect the salary, so it is convenient to buy livestock on credit and pay from the monthly salary. Interest rates, terms and loan payment methods of MKK “Universal Credit” are very convenient and easy. I have been and would recommend MKK “Universal Credit” to my colleagues and friends.

Doorbek

Currently I live in the  Madaniyat village and am engaged in cattle fattening. I took out a loan from MCC “Universal Credit” on December 22, 2022 for business development. The conditions, interest rates and repayment schedule are acceptable and convenient for me; the period of feeding livestock and repaying the loan coincides. I recommend Universal Credit to everyone