Question 1

What is Business Capital?

Accepted Answer

Business Capital is a microcredit deposit organization (MDO) operating in Tajikistan. As a regulated financial institution, it specializes in providing microfinance services including microcredit lending and deposit-taking activities. Business Capital serves individuals and small businesses across Tajikistan, contributing to financial inclusion and economic development in the country.

The institution operates under the supervision of the National Bank of Tajikistan, which regulates all MDOs in the country.

Question 2

When was Business Capital founded?

Accepted Answer

[Information not publicly available]

Question 3

Where is Business Capital headquartered?

Accepted Answer

Business Capital is headquartered in Dushanbe, the capital city of Tajikistan. The organization's registered address is at 10 J. Rasulov Street, Sino district, Dushanbe.

Question 4

Where does Business Capital operate?

Accepted Answer

Business Capital operates within the Republic of Tajikistan. As a microcredit deposit organization, it serves clients throughout various regions of the country, providing access to microfinance services in communities where traditional banking may be less accessible.

Question 5

What services does Business Capital offer?

Accepted Answer

Business Capital provides microcredit deposit organization services as authorized under Tajikistan's microfinance legislation. Primary services include microcredit lending to individuals and small businesses, with loan amounts determined by National Bank of Tajikistan regulations.

The institution is licensed to accept deposits and savings from both individuals and legal entities, denominated in Tajik Somoni and foreign currencies. These deposit products typically include term deposits and savings accounts with various maturity periods.

Business Capital also offers basic banking services such as account maintenance and payment processing to support its core microfinance activities.

Question 6

What makes Business Capital unique?

Accepted Answer

Business Capital is one of the licensed microcredit deposit organizations in Tajikistan authorized to both provide microloans and accept deposits, distinguishing it from microcredit organizations that can only lend. This dual capability allows the institution to mobilize local savings while simultaneously providing credit to underserved market segments.

As a member of Tajikistan's deposit insurance system, deposits held at Business Capital are protected under the national deposit insurance framework, providing additional security for savers.

Question 7

What type of financial institution is Business Capital?

Accepted Answer

Business Capital is a Microcredit Deposit Organization (MDO), structured as a Closed Joint Stock Company (CJSC). In Tajikistan's financial system, MDOs represent a distinct category of credit institutions that operate between traditional banks and basic microcredit organizations.

MDOs are licensed by the National Bank of Tajikistan under the Law on Microfinance Organizations (2012). They are authorized to attract deposits and savings while providing microloans to borrowers. This licensing structure requires MDOs to maintain specific capital adequacy ratios, liquidity standards, and other prudential norms established by the central bank.

Business Capital holds license number 075 in the national register of credit institutions participating in the deposit and savings insurance system.

Business Capital

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About Business Capital in Tajikistan