Dear Guests and Users!
Dear client, partner, each interested and loyal guest of our website! I sincerely welcome you and with great joy and pride wish for our fruitful and inspiring cooperation!
The story of MFO Bereke began in 1997 with a wonderful mission - to help develop the projects of the self-employed and low-income population through provision of economic support in the form of small loans. As part of a program initiated by the UNDP (United Nations Development Program), MFO Bereke became the pioneer in the history of microlending in the country. The first beneficiaries of the lending program were the first women entrepreneurs, residents of villages and small towns, the first dreamers and pioneers, entrepreneurs of then still very young Kazakhstan.
MFO Bereke from the very beginning until now has been and remains a witness to development and growth of our clients and our partners. Step by step, Bereke itself is growing. In 2014, Bereke was reorganized into a microfinance organization and today has more than 20 branches in 4 regions of Kazakhstan. The trust of clients, transparency, and the great mission of MFO Bereke to improve the wellbeing of Kazakhstanis through financial support and improvement of financial literacy of entrepreneurs have allowed us to grow steadily. And I am grateful to everyone who has been with us throughout this journey.
Today is the time for Bereke to dream bigger in order to even further support our friends, partners, our clients. It is a great honor for us to be an instrument for growth of the country’s economy, through supporting and promoting the growth of entrepreneurship.
To each of us, everyone who walks with us along this inspiring path, I wish only victory!
With gratitude, Chairman of the Board of MFO Bereke
The story of MFO Bereke began in 1997 with a wonderful mission - to help develop the projects of the self-employed and low-income population through provision of economic support in the form of small loans. As part of a program initiated by the UNDP (United Nations Development Program), MFO Bereke became the pioneer in the history of microlending in the country. The first beneficiaries of the lending program were the first women entrepreneurs, residents of villages and small towns, the first dreamers and pioneers, entrepreneurs of then still very young Kazakhstan.
MFO Bereke from the very beginning until now has been and remains a witness to development and growth of our clients and our partners. Step by step, Bereke itself is growing. In 2014, Bereke was reorganized into a microfinance organization and today has more than 20 branches in 4 regions of Kazakhstan. The trust of clients, transparency, and the great mission of MFO Bereke to improve the wellbeing of Kazakhstanis through financial support and improvement of financial literacy of entrepreneurs have allowed us to grow steadily. And I am grateful to everyone who has been with us throughout this journey.
Today is the time for Bereke to dream bigger in order to even further support our friends, partners, our clients. It is a great honor for us to be an instrument for growth of the country’s economy, through supporting and promoting the growth of entrepreneurship.
To each of us, everyone who walks with us along this inspiring path, I wish only victory!
With gratitude, Chairman of the Board of MFO Bereke
Sincerely,
Chairman of the Board of MFO Bereke
Zhumagul Beisembayevna Khairlybayeva
Chairman of the Board of MFO Bereke
Zhumagul Beisembayevna Khairlybayeva
Dear client, partner, each interested and loyal guest of our website! I sincerely welcome you and with great joy and pride wish for our fruitful and inspiring cooperation!
The story of MFO Bereke began in 1997 with a wonderful mission - to help develop the projects of the self-employed and low-income population through provision of economic support in the form of small loans.
The story of MFO Bereke began in 1997 with a wonderful mission - to help develop the projects of the self-employed and low-income population through provision of economic support in the form of small loans.
MANAGEMENT
BOARD OF MFO
Zhumagul Beissembayevna Khairlybayeva
Ardak Nazymovich Khussainov
Aydin Alchinovich Vakhidov
Chairwoman of the Management Board
Deputy Chairman of the Management Board for Operations (member of the Management Board)
Deputy Chairman of the Management Board for Operations (member of the Management Board)
BOARD OF DIRECTORS
Gennady Viktorovich
Kim
Kim
Zharkinbek Kydyrbayevich Azbekov
Chairman of the Supervisory Board
Independent member of the Supervisory Board
- Banking expert with 22 years of experience
- Held the position of Chairman of the Management Board at RBS (Royal Bank of Scotland)
- Manages Seif Group since 2010
- Kazakhstan Executive MBA from Nazarbayev University
- Has more than 30 years of experience in the banking sector of Kazakhstan.
- Held senior positions in Private Bank Trust Bank, Neftekhimbank OJSC, Senim Bank JSC.
- Also performed the function of the Chairman of the Board of Directors at MFO Arnur Credit LLP, Chairman of the Board of Directors at Management Company ORDA Capital JSC, Chairman of the Supervisory Board at Credit Partnership ORDA Credit LLP, independent director of First Heartland Jýsan Invest JSC, First Heartland Securities JSC.
BOARD OF DIRECTORS
MANAGEMENT
Gennady Viktorovich
Kim
Kim
Chairman of the Supervisory Board
Zharkinbek Kydyrbayevich Azbekov
Independent member of the Supervisory Board
- Management of Bereke MFO’s strategic development, investment attraction, communication activities
- Has been working for Bereke MFO since its foundation.
- Working with UNDP microcredit project
- Mini MBA, Academy of Business, Ernst & Young
BOARD OF MFO
- Has been working in the financial sector since 2003.
- Over years, worked with international foundations (UNDP program), headed the lending department.
- Additional education in MFC, Credit Consulting, RSBP.
- Shakarim Semipalatinsk State University, major – State Municipal Administration, qualification – Economist Manager
- More than 16 years of experience in banks and microfinance organizations
- Bauman Moscow State Technical University, electronic technology engineer, organization management, 2006.
- Executive MBA from Nazarbayev University 2018
Aydin Alchinovich Vakhidov
Deputy Chairman of the Management Board for Operations (member of the Management Board)
Ardak Nazymovich Khussainov
Deputy Chairman of the Management Board for Operations (member of the Management Board)
Zhumagul Beissembayevna Khairlybayeva
Chairwoman of the Management Board
BOARD OF DIRECTORS
MANAGEMENT
Zhumagul Beissembayevna
Khairlybayeva
Khairlybayeva
Chairwoman of the Management Board
- Management of Bereke MFO’s strategic development, investment attraction, communication activities
- Has been working for Bereke MFO since its foundation.
- Working with UNDP microcredit project
- Mini MBA, Academy of Business, Ernst & Young
Ardak Nazymovich
Khussainov
Khussainov
Deputy Chairman of the Management Board for Operations (member of the Management Board)
- Has been working in the financial sector since 2003.
- Over years, worked with international foundations (UNDP program), headed the lending department.
- Additional education in MFC, Credit Consulting, RSBP.
- Shakarim Semipalatinsk State University, major – State Municipal Administration, qualification – Economist Manager
Aydin Alchinovich
Vakhidov
Vakhidov
Deputy Chairman of the Management Board for Operations (member of the Management Board)
- More than 16 years of experience in banks and microfinance organizations
- Bauman Moscow State Technical University, electronic technology engineer, organization management, 2006.
- Executive MBA from Nazarbayev University 2018
BOARD OF MFO
Gennady Viktorovich
Kim
Kim
Chairman of the Supervisory Board
- Banking expert with 22 years of experience
- Held the position of Chairman of the Management Board at RBS (Royal Bank of Scotland)
- Manages Seif Group since 2010
- Kazakhstan Executive MBA from Nazarbayev University
Zharkinbek Kydyrbayevich
Azbekov
Azbekov
Independent member of the Supervisory Board
- Has more than 30 years of experience in the banking sector of Kazakhstan.
- Held senior positions in Private Bank Trust Bank, Neftekhimbank OJSC, Senim Bank JSC.
- Also performed the function of the Chairman of the Board of Directors at MFO Arnur Credit LLP, Chairman of the Board of Directors at Management Company ORDA Capital JSC, Chairman of the Supervisory Board at Credit Partnership ORDA Credit LLP, independent director of First Heartland Jýsan Invest JSC, First Heartland Securities JSC.
Our mission
SOCIAL ORIENTATION
Supporting the development of both small and micro businesses without access to traditional financing, with a particular focus on supporting the women entrepreneurs through trusted partnership relations to facilitate their successful growth and prosperity.
VALUES
- Client trust
- Partnership relations
- Honesty
- Timeliness of services
- Reliability
- Client focus
- Social responsibility
VISION
A technologically developing financial institution servicing all Kazakhstan regions, with a recognizable brand, high-quality services, strong motivated team, providing benefit to the society.
The story
Microfinance organization Bereke is a story that began more than 25 years ago, at the origins of microlending in Kazakhstan, and continues to delight its clients today. This story began thanks to the initiative and support of UNDP (United Nations Development Program) in 1997-1998. Since then, Bereke has become a reliable partner for thousands of entrepreneurs and self-employed people in Kazakhstan.
The main goal of Bereke microcredit programs is fighting the poverty and improving the quality of life of the population. Economic support through small loans has become a key factor in development of entrepreneurship in the regions. Particular attention was paid to supporting the development of agriculture, rural sector and trade, which became a quick source of income for many families.
One of the Bereke’s features was its attention to women entrepreneurs of the Semipalatinsk region. The organization provided the first microloans to women from the Karaul village, helping them start and develop their business. Creating a continuous access to loan funds was the key to successful development of their business.
Today, Bereke is active in four regions of Kazakhstan and has more than 20 offices. The organization continues its mission, remaining a key participant in the microfinance sector of Kazakhstan. The Bereke’s story is one of perseverance, entrepreneurial spirit and positive impact on the lives of many people in the region.
The main goal of Bereke microcredit programs is fighting the poverty and improving the quality of life of the population. Economic support through small loans has become a key factor in development of entrepreneurship in the regions. Particular attention was paid to supporting the development of agriculture, rural sector and trade, which became a quick source of income for many families.
One of the Bereke’s features was its attention to women entrepreneurs of the Semipalatinsk region. The organization provided the first microloans to women from the Karaul village, helping them start and develop their business. Creating a continuous access to loan funds was the key to successful development of their business.
Today, Bereke is active in four regions of Kazakhstan and has more than 20 offices. The organization continues its mission, remaining a key participant in the microfinance sector of Kazakhstan. The Bereke’s story is one of perseverance, entrepreneurial spirit and positive impact on the lives of many people in the region.
Support and development of entrepreneurship through provision of financial products to residents of Kazakhstan regions
- Client trust
- Partnership relations
- Honesty
- Timeliness of services
- Reliability
- Client focus
- Social responsibility
AWARDS
Microfinance Centre MFC for Central and Eastern Europe and the New Endependent State Certificate
For reporting on Social Indicators to MIX
Teaching and Consulting Program
For commitment to the traditions of non-profit partnership
“First Credit Bureau” Certificate
For many years of supporting the neighborhood clubs
2019
For commitment to the principles of social protection of clients
For contribution to development of the microfinance sector in the Republic of Kazakhstan
MFO BOARD
Zhumagul Beissembayevna Khairlybayeva
Chairwoman of the Management Board
- Management of Bereke MFO’s strategic development, investment attraction, communication activities
- Has been working for Bereke MFO since its foundation.
- Working with UNDP microcredit project
- Mini MBA, Academy of Business, Ernst & Young
MFO BOARD
Ardak Nazymovich Khussainov
Deputy Chairman of the Management Board for Operations (member of the Management Board)
- Has been working in the financial sector since 2003.
- Over years, worked with international foundations (UNDP program), headed the lending department.
- Additional education in MFC, Credit Consulting, RSBP.
- Shakarim Semipalatinsk State University, major – State Municipal Administration, qualification – Economist Manager
MFO BOARD
Aydin Alchinovich Vakhidov
Deputy Chairman of the Management Board for Operations (member of the Management Board)
- More than 16 years of experience in banks and microfinance organizations
- Bauman Moscow State Technical University, electronic technology engineer, organization management, 2006.
- Executive MBA from Nazarbayev University 2018
BOARD OF DIRECTORS
Gennady Viktorovich
Kim
Kim
Chairman of the Supervisory Board
- Banking expert with 22 years of experience
- Held the position of Chairman of the Management Board at RBS (Royal Bank of Scotland)
- Manages Seif Group since 2010
- Kazakhstan Executive MBA from Nazarbayev University
BOARD OF DIRECTORS
Zharkinbek Kydyrbayevich Azbekov
Independent member of the Supervisory Board
- Has more than 30 years of experience in the banking sector of Kazakhstan.
- Held senior positions in Private Bank Trust Bank, Neftekhimbank OJSC, Senim Bank JSC.
- Also performed the function of the Chairman of the Board of Directors at MFO Arnur Credit LLP, Chairman of the Board of Directors at Management Company ORDA Capital JSC, Chairman of the Supervisory Board at Credit Partnership ORDA Credit LLP, independent director of First Heartland Jýsan Invest JSC, First Heartland Securities JSC.
1997
The UN Development Program and International Mercy Corps launched a pilot project “Status and Economic Development of Women in Kazakhstan” aimed at microlending to women.
1998
The UNDP project granted the first group loan in the Semipalatinsk region.
Loans were granted in US dollars. The loan amount per group member was $25.
Loans were granted in US dollars. The loan amount per group member was $25.
2003
Registered the public fund Kazakhstan Microcredit Organization “Bereke” with the justice authorities.
2005
Successfully obtained the rating according to the international system ACCION CAMEL
2006
Expansion of the branch network in the Pavlodar region
2007
Expansion of the branch network in the East Kazakhstan region
2017
Expansion of the branch network in the Karaganda region
2017
Successfully passed a comprehensive audit of MFO activities by the regulator (ARFM)
2019
Successfully completed the second scheduled inspection by the regulator (ARFM)
2020
In the difficult pandemic year of 2020, we, together with the residents of Kazakhstan, successfully overcame the challenges. More than 30% of our clients were granted loan deferments for 1-3 months
2004
Joined the Association of Microfinance Organizations of Kazakhstan (AMFOK)
1997
The UN Development Program and International Mercy Corps launched a pilot project “Status and Economic Development of Women in Kazakhstan” aimed at microlending to women.
1998
The UNDP project granted the first group loan in the Semipalatinsk region.
Loans were granted in US dollars. The loan amount per group member was $25.
Loans were granted in US dollars. The loan amount per group member was $25.
2003
Registered the public fund Kazakhstan Microcredit Organization “Bereke” with the justice authorities.
2004
Joined the Association of Microfinance Organizations of Kazakhstan (AMFOK)
2005
Successfully obtained the rating according to the international system ACCION CAMEL
2006
Expansion of the branch network in the Pavlodar region
2007
Expansion of the branch network in the East Kazakhstan region
2017
Expansion of the branch network in the Karaganda region
2017
Successfully passed a comprehensive audit of MFO activities by the regulator (ARFM)
2019
Successfully completed the second scheduled inspection by the regulator (ARFM)
2020
In the difficult pandemic year of 2020, we, together with the residents of Kazakhstan, successfully overcame the challenges. More than 30% of our clients were granted loan deferments for 1-3 months
1997
The UN Development Program and International Mercy Corps launched a pilot project “Status and Economic Development of Women in Kazakhstan” aimed at microlending to women.
1998
The UNDP project granted the first group loan in the Semipalatinsk region.
Loans were granted in US dollars. The loan amount per group member was $25.
Loans were granted in US dollars. The loan amount per group member was $25.
2003
Registered the public fund Kazakhstan Microcredit Organization “Bereke” with the justice authorities.
2004
Joined the Association of Microfinance Organizations of Kazakhstan (AMFOK)
2005
Successfully obtained the rating according to the international system ACCION CAMEL
2006
Expansion of the branch network in the Pavlodar region
2007
Expansion of the branch network in the East Kazakhstan region
2017
Expansion of the branch network in the Karaganda region
2017
Successfully passed a comprehensive audit of MFO activities by the regulator (ARFM)
2019
Successfully completed the second scheduled inspection by the regulator (ARFM)
2020
In the difficult pandemic year of 2020, we, together with the residents of Kazakhstan, successfully overcame the challenges. More than 30% of our clients were granted loan deferments for 1-3 months
© 2024 MFO Bereke JSC
