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 Khairlybayeva
Ardak Khusainov
Aydin Vakhidov
Chairman of the Board
Deputy Chairman of the Board for Operations (Member of the Board)
Deputy Chairman
of the Board for Financial Activities (Member of the Board)
of the Board for Financial Activities (Member of the Board)
BOARD OF DIRECTORS
Gennady Kim
Zharkinbek Azbekov
Jacobs Margot Kahr
Chairman of the Supervisory Board
Independent Member of the Supervisory Board
Member of the Supervisory Board
- Banking expert with 22 years of experience
- Leads the Safe group since its founding in 2009
- Served as Chairman of the Board of RBS Kazakhstan
- Executive MBA from Nazarbayev University
Gennady Kim
Chairman 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.
Zharkinbek Azbekov
Independent Member of the Supervisory Board
- Financial services expert with 20 years of international experience (UK, Sweden, Russia, Ukraine).
- Leading positions in international financial institutions - Pivdennyi Bank, United Financial Group/Deutsche
- UFG, Dalmatinska Banka, Istarska Banka, Sisacka Banka, East Capital Private Equity
- MBA from Georgetown University (USA)
Jacobs Margot Kahr
Member of the Supervisory Board
BOARD OF DIRECTORS
MANAGEMENT
- MFO Bereke JSC, Chairman of the Board
- Management of strategic development of MFO Bereke, attracting investments, communication activities.
- Kazakhstan microcredit organization Bereke, general director
- manager, translator; UNDP microcredit project
- State Enterprise Kazaeronavigatsia, teacher;
- Institute of Technology. State financial and institute, teacher;
- English teacher, high school.
BOARD OF MFO
- MFO Bereke JSC Deputy Chairman of the Board for Operations
- Head of the Lending Department (Member of the Board)
- Business Development Manager
- Senior Loan Specialist
- Loan Specialist
- Chief Specialist of the Lending, Corporate and SME Lending Department of Alliance Bank JSC
- Leading Specialist of the SME Lending Department of Alliance Bank JSC
- Shakarim Semipalatinsk State University, Specialty - State municipal administration, qualification - economist-manager
- Over 16 years of experience of work in banks and MFO
- Specialization - credit risk, analysis, retail lending, SME lending, debt markets. The first placement of pawnshop bonds on KASE in Kazakhstan.
- N.E. Bauman MSTU engineer of electronic technologies, organization management, 2006.
- Executive MBA from Nazarbayev University 2018
Aydin Vakhidov
Ardak Khusainov
Deputy Chairman of the Board for Financial Activities (Member of the Board)
Deputy Chairman of the Board for Operations (Member of the Board)
Zhumagul Khairlybayeva
Chairman of the Board
BOARD OF DIRECTORS
MANAGEMENT
Zhumagul Khairlybayeva
Chairman of the Board
- MFO Bereke JSC, Chairman of the Board
- Management of strategic development of MFO Bereke, attracting investments, communication activities.
- Kazakhstan microcredit organization Bereke, general director
- manager, translator; UNDP microcredit project
- State Enterprise Kazaeronavigatsia, teacher;
- Institute of Technology. State financial and institute, teacher;
- English teacher, high school.
Ardak Khusainov
Deputy Chairman of the Board for Operations (Member of the Board)
- MFO Bereke JSC Deputy Chairman of the Board for Operations
- Head of the Lending Department (Member of the Board)
- Business Development Manager
- Senior Loan Specialist
- Loan Specialist
- Chief Specialist of the Lending, Corporate and SME Lending Department of Alliance Bank JSC
- Leading Specialist of the SME Lending Department of Alliance Bank JSC
- Shakarim Semipalatinsk State University, Specialty - State municipal administration, qualification - economist-manager
Aydin Vakhidov
Deputy Chairman
of the Board for Financial Activities (Member of the Board)
of the Board for Financial Activities (Member of the Board)
- Over 16 years of experience of work in banks and MFO
- Specialization - credit risk, analysis, retail lending, SME lending, debt markets. The first placement of pawnshop bonds on KASE in Kazakhstan.
- N.E. Bauman MSTU engineer of electronic technologies, organization management, 2006.
- Executive MBA from Nazarbayev University 2018
BOARD OF MFO
Gennady Kim
Chairman of the Supervisory Board
- Banking expert with 22 years of experience
- Leads the Safe group since its founding in 2009
- Served as Chairman of the Board of RBS Kazakhstan
- Executive MBA from Nazarbayev University
Zharkinbek 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.
Jacobs Margot
Kahr
Kahr
Member of the Supervisory Board
- Financial services expert with 20 years of international experience (UK, Sweden, Russia, Ukraine).
- Leading positions in international financial institutions - Pivdennyi Bank, United Financial Group/Deutsche
- UFG, Dalmatinska Banka, Istarska Banka, Sisacka Banka, East Capital Private Equity
- MBA from Georgetown University (USA)
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 Khairlybayeva
Chairman of the Board
- MFO Bereke JSC, Chairman of the Board
- Management of strategic development of MFO Bereke, attracting investments, communication activities.
- Kazakhstan microcredit organization Bereke, general director
- manager, translator; UNDP microcredit project
- State Enterprise Kazaeronavigatsia, teacher;
- Institute of Technology. State financial and institute, teacher;
- English teacher, high school.
MFO BOARD
Ardak Khusainov
Deputy Chairman of the Board for Operations (Member of the Board)
- MFO Bereke JSC Deputy Chairman of the Board for Operations
- Head of the Lending Department (Member of the Board)
- Business Development Manager
- Senior Loan Specialist
- Loan Specialist
- Chief Specialist of the Lending, Corporate and SME Lending Department of Alliance Bank JSC
- Leading Specialist of the SME Lending Department of Alliance Bank JSC
- Shakarim Semipalatinsk State University, Specialty - State municipal administration, qualification - economist-manager
MFO BOARD
Aydin Vakhidov
Deputy Chairman
of the Board for Financial Activities (Member of the Board)
of the Board for Financial Activities (Member of the Board)
- Over 16 years of experience of work in banks and MFO
- Specialization - credit risk, analysis, retail lending, SME lending, debt markets. The first placement of pawnshop bonds on KASE in Kazakhstan.
- N.E. Bauman MSTU engineer of electronic technologies, organization management, 2006.
- Executive MBA from Nazarbayev University 2018
BOARD OF DIRECTORS
Gennady Kim
Chairman of the Supervisory Board
- Banking expert with 22 years of experience
- Leads the Safe group since its founding in 2009
- Served as Chairman of the Board of RBS Kazakhstan
- Executive MBA from Nazarbayev University
BOARD OF DIRECTORS
Zharkinbek 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.
BOARD OF DIRECTORS
Jacobs Margot Kahr
Member of the Supervisory Board
- Financial services expert with 20 years of international experience (UK, Sweden, Russia, Ukraine).
- Leading positions in international financial institutions - Pivdennyi Bank, United Financial Group/Deutsche
- UFG, Dalmatinska Banka, Istarska Banka, Sisacka Banka, East Capital Private Equity
- MBA from Georgetown University (USA)
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
Our partners
© 2024 MFO Bereke JSC
