Question 1

What is DengiClick?

Accepted Answer

DengiClick is a microfinance organization operating in Kazakhstan under the legal name "Lending and Finance Technologies Microfinancial Organization LLP." The organization specializes in providing short-term microloans to individuals and small businesses throughout Kazakhstan.

DengiClick operates as part of the broader "Деньги Маркет" (Money Market) brand and has established itself as one of Kazakhstan's accessible microcredit providers. The organization maintains both a strong digital presence through its online platform and mobile applications, as well as a physical network of over 260 offices across Kazakhstan.

Question 2

When was DengiClick founded?

Accepted Answer

DengiClick was officially registered on August 17, 2015, as a Limited Liability Partnership with BIN (Business Identification Number) 150840012933. The organization received its license to operate as a microfinance organization on March 15, 2016, when it was included in the register of microfinance organizations by the Kostanay branch of the National Bank of the Republic of Kazakhstan under registration number 27.16.006.

However, some sources indicate that the "Деньги Маркет" brand had been operating in the Kazakhstan market since 2012 before the formal registration of the current legal entity. The organization was established to address the need for accessible short-term financing for individuals who may not qualify for traditional bank loans.

Question 3

Where is DengiClick headquartered?

Accepted Answer

DengiClick is headquartered in Petropavlovsk (also known as Petropavl), North Kazakhstan Region. The legal address is 134 Nursultan Nazarbaev Street, Petropavlovsk, 150000, Kazakhstan.

Petropavlovsk serves as the administrative center for the organization's operations across Kazakhstan. The headquarters houses the main administrative and decision-making functions of the company.

Question 4

Where does DengiClick operate?

Accepted Answer

DengiClick operates throughout Kazakhstan with an extensive physical presence. The organization maintains more than 260 offices distributed across all regions of Kazakhstan, making it accessible to both urban and rural populations.

The organization's service coverage extends to all major cities and regional centers in Kazakhstan, including areas in North Kazakhstan Region, Almaty, Astana, and other populated regions. This widespread network allows customers from different parts of the country to access microcredit services either through physical offices or online platforms.

Question 5

What services does DengiClick offer?

Accepted Answer

DengiClick provides a range of microfinance services focused on short-term lending:

Microloan Products: The organization offers microloans ranging from 20,000 to 500,000 tenge (though some sources mention a maximum of 300,000 tenge for certain products). Loan terms typically range from 1 to 3 months, with the possibility of extension.

Multiple Disbursement Methods: Customers can receive funds through instant transfers to bank cards, transfers to bank accounts, or cash pickup at any of the 260+ offices throughout Kazakhstan.

Digital Services: DengiClick provides a comprehensive online platform at dengiclick.kz where customers can apply for loans entirely online. The organization also offers the "Деньги Маркет" mobile application available on Google Play for Android devices with over 1 million downloads. The application allows customers to apply for loans, track loan status, receive notifications about promotions, and manage repayments.

Flexible Repayment: Borrowers can repay loans in full or in installments, with options for early repayment without penalties. The organization also offers loan extension services for customers who need additional time.

Customer Support: A customer service center is available at 8-700-700-7707, and support is provided via email at info@dengiclick.kz and through in-app chat functionality.

Question 6

What makes DengiClick unique?

Accepted Answer

Speed and Convenience: DengiClick emphasizes rapid processing, with loan applications reviewed within 5 minutes and funds disbursed within 15 minutes for approved applications. The entire application process can be completed online without visiting a physical office.

Minimal Documentation Requirements: Unlike traditional banks, DengiClick requires only a passport from adult citizens of Kazakhstan to apply. No proof of income, collateral, or guarantors are required for most loan products.

Accessibility: The organization accepts clients with less-than-perfect credit histories, making financial services accessible to underserved populations. This inclusive approach helps individuals who may be excluded from traditional banking services.

Transparent Pricing: DengiClick maintains transparent fee structures with no hidden charges or commission fees. The maximum interest rate is capped at 3.15% of the loan amount per month, with an annual effective interest rate of up to 46%, in compliance with National Bank of Kazakhstan regulations.

Hybrid Model: The combination of digital convenience and extensive physical presence (260+ offices) provides customers with flexibility in how they access and repay their loans, catering to different preferences and technological capabilities.

Question 7

What type of financial institution is DengiClick?

Accepted Answer

DengiClick is a Microfinance Organization (MFO), which is a distinct category of financial institution in Kazakhstan. Microfinance organizations in Kazakhstan are regulated under the Law of the Republic of Kazakhstan "On Microfinance Activities" (No. 56-V ZRK of November 26, 2012).

As a registered MFO, DengiClick is supervised by the National Bank of the Republic of Kazakhstan and must comply with specific regulations governing microcredit operations. The organization holds license number 10.21.004М issued on March 12, 2021, authorizing it to provide microcredit services.

MFOs in Kazakhstan differ from banks in that they focus exclusively on providing microloans to individuals and legal entities without accepting deposits from the public. They are designed to serve segments of the population that may not have access to traditional banking services, particularly for small, short-term financial needs.

Question 8

Who leads DengiClick?

Accepted Answer

The organization is led by General Director Nikita Sergeevich Puzenko (Пузенко Никита Сергеевич). Under his leadership, DengiClick has grown to become one of the prominent microfinance providers in Kazakhstan, serving a large customer base through both digital and physical channels.

Question 9

What is DengiClick's financial performance?

Accepted Answer

According to regulatory filings, DengiClick has demonstrated significant financial activity over recent years. Tax payment data shows the organization reported 620.6 million tenge in 2021, which grew substantially to 4.4 billion tenge in 2022. The organization is classified as a large enterprise with 501-1,000 employees according to Kazakhstan's enterprise classification system.

The organization continues to maintain active operations with regular financial reporting to the National Bank of Kazakhstan and other regulatory authorities.

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About DengiClick in Kazakhstan