+992 (44) 625-73-71

Access to high quality and ethical financial services is among the key drivers of the economic growth. Alif Capital was founded in February 2014 to provide financing solutions to small and medium enterprises in Tajikistan. 

  • Moscow
  • London
  • Dubai
  • Dushanbe

Clients

  • CONSUMER FINANCING
    An interest-free 0.0% financing from 4 to 6 months for purchasing any products from our PARTNERS
    Terms and conditions:
    * From 4 to 6 months - 0.0% per month
    * Up to 24 months - from 2.2% per month
    Down payment:
    * 40% of the total price
    * 30% of the total price, if the price of the goods is higher than 5,000 TJS

    Required documents:
    * Passport (including, Residence permit and Tax ID pages)
    * Confirmation of salary
    Online Request:
    * Requests are accepted on our websites www.alif.tj and www.befoiz.tj or by e-mail to info@alif.tj
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    CONSUMER CREDIT
    Interest-free 0,0%
  • CAR FINANCING
    NEW VEHICLE FINANCING FOR UP TO 3 YEARS WITH HYUNDAI DEALERSHIP
    Terms and conditions:
    * UP to 36 months - 0.0% per month
    Down Payment:
    * At least 30% of the vehicle

    Required documents:
    * Passport (including, Residence permit and Tax ID pages)
    * Confirmation of salary
    Online Request:
    * Requests are accepted on our websites www.alif.tj and www.befoiz.tj or by e-mail to info@alif.tj
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    CAR FINANCING
    Up to 36 months 0,0%
  • Mortgage
    House financing
    Terms and conditions:
    * Up to 48 months - from 2,20% per month
    Amount:
    * Up to 30,000 USD
    Down Payment:
    * At least 50% of the price of property

    Required documents:
    * Passport (including, Residence permit and Tax ID pages)
    * Confirmation of salary
    Online Request:
    * Requests are accepted on our websites www.alif.tj and www.befoiz.tj or by e-mail to info@alif.tj
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    MORTGAGE
    Up to 48 months
  • SME FINANCING
    Entrepreneurs
    Terms and conditions:
    * Up to 36 months - from 2,2% per month
    * Requires collateral
    Amount:
    * From 10,000 to 30,000 USD
    Collateral:
    * Real estate
    * Jewelry
    * Vehicle (locked)

    Required documents:
    * Passport (including, Residence permit and Tax ID pages)
    * Confirmation of salary
    Online Request:
    * Requests are accepted on our websites www.alif.tj and www.befoiz.tj or by e-mail to info@alif.tj
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    SME FINANCING
    Entrepreneurs

Main indicators of credit market in Tajikistan

  • Tajikistan GDP growth
    18.0% (CAGR)
    GDP growth per year over the past 14 years
  • Credit market growth
    16.4% (CAGR)
    Credit market growth per year for the last 5 years
  • Potential growth
    x 6.4
    The untapped potential of the credit market
  • Non-performing loans
    1.3% (in 2013)
    NPLs (PAR 30) of microcredit organizations

Investors

  • Unique income-sharing model
  • Expected IRR of over 15% per annum
  • Currency of investment is US dollar
  • Monthly report

Management

  • Abdullo Kurbanov
    Experience:
    Previous:
    - Deputy Chairman | OJSC Orienbank | Tajikistan
    - Vice President of Mining Investments | Origo Partners PLC | Mongolia
    - Metals & Mining Analyst | UBS | United Kingdom
    - Consultant | Oliver Wyman | United Kingdom
    - Intern Analyst | Goldman Sachs | United Kingdom
    Notable Transactions:
    - Built a portfolio credit risk assessment model currently used across >10,000 branches of a top-3 Russian Bank
    - Reverse Takeover of a mining services company on the Mongolian Stock Exchange
    - Restructuring of the asset portfolio of a top-5 global diversified mining company
    Education:
    - MSc in Finance | London School of Economics | United Kingdom
    - BA in Management | Bogazici University | Turkey
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    Abdullo Kurbanov
  • Zuhursho Rahmatulloev
    Experience
    Current:
    - Co-founder | Maskan Real Estate Company | Tajikistan
    - Co-founder and former Chairman | Peshraft Charity Fund | Tajikistan
    Previous:
    - Manager | BDO Tajikistan | Tajikistan
    - Intern | OJSC Orienbank | Tajikistan
    Education:
    - CIFP in Islamic Finance | INCEIF | Malaysia
    - MA in International Political Economy | University of Warwick | United Kingdom
    - BA in Business Administration | London South Bank University | United Kingdom
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    Zuhursho Rahmatulloev
  • Firdavs Mirzoev
    Experience:
    Current:
    - Partner | Nazrisho & Mirzoev Law Firm | Tajikistan
    - Honorary Legal Adviser | British Embassy | Tajikistan
    Previous:
    - Legal adviser – in house lawyer | Tethys Services | Tajikistan
    - Independent expert lawyer| Aiten | Tajikistan
    Notable Transactions:
    - $80m China Development Bank loan agreement with a Chinese-Tajik JV on construction of a cement plant
    - $400m investment in heat-electric generating plant by HOS Powertech International SDN BHD (Malaysian company)
    Education:
    - LL.M. | Saint Louis University School of Law| Missouri, USA
    - BA in Law | Tajik State National University | Tajikistan
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    Firdavs
    Mirzoyev

Contact us

  • Please, complete the mandatory fields
  • Working hours: Mon-Fri, 09:00-18:00
    5th floor | Ayni Str. 24A | SAS Business Centre | Dushanbe | Tajikistan
    info@alif.tj |www.alif.tj | +992 (44) 625-73-71 | +992 (44) 625-00-73