Individual bond investing is an area that's becoming more popular in Kyrgyzstan. Investing in bonds is the best investment option for those who prefer stability and accuracy of preliminary calculations. Bonds implies obtaining a predetermined cash flow for a sufficiently long period of time. Buying bonds is right for you if your goal is to save and increase your own funds. Bonds of MFC Alma Credit is a convenient and reliable way to grow your savings!

ADVANTAGES of the purchase of Alma Credit bonds

In finance, a bond is an instrument of indebtedness of the bond issuer to the holders. The most common types of bonds include municipal bonds and corporate bonds. It is a debt security, under which the issuer owes the holders a debt and, depending on the terms of the bond, is obliged to pay them interest (the coupon) and/or to repay the principal at a later date, termed the maturity date. Interest is usually payable at fixed intervals (semiannual, annual, sometimes monthly). Very often the bond is negotiable, that is, the ownership of the instrument can be transferred in the secondary market.
  • The income is stable and reliable. The fixed interest rate can not be changed independently by the issuing company, therefore you are aware of the amount of money you will receive in a certain period of time.
  • This is an excellent opportunity to receive a higher interest rate compared to a bank deposit. You do not need to wait until the end of the bank deposit term in order to keep the interest rate (sometimes, according to the terms of the deposit, the depositor may lose interest with early termination, in the case of bonds, the investor receives all the accumulated coupon income).
  • Individuals don’t pay income tax on income received on bonds of MFC Alma Credit
  • You can always sell your bonds at a fair market price.
  • Bonds are issued with a nominal value of 1,000 soms, so the ordinary people have the opportunity to enter the bonds market and possess securities (Low entry threshold)

Investment in bonds of MFC Alma Credit is EASY!

Just contact us with any questions regarding our bonds and we will give professional advice.

Bonds are placed by open sale to individuals - residents and non-residents of the Kyrgyz Republic. Operations on placement, payment of interest income, as well as repayment of bonds are made without the presentation of identity documents by individuals, except for cases stipulated by the legislation of the Kyrgyz Republic. Bonds are issued in electronic form (in the form of records on an electronic register). Accounting and storage of the bondholders register is maintained by the independent registrar LLC “Medina”. The bonds yield will be paid quarterly by the underwriter LLC "Askoinvest" in cash or via transfer to card or bank account after filling out a form for paying interest on purchased bonds.

General information about MFC Alma Credit

Financial Reports

Download the Prospectus of the First Bond Issue (PDF, 7 Mb, available in Russian)

Download conditions of public offering of ordinary registered bonds of CJSC MFC "Alma Credit" (PDF, 7 Mb, available in Russian)

Please contact the office of our underwriter Askoinvest LLC: Bishkek city, building of CJSC "Kyrgyz Stock Exchange", Moscow Str. 172, 1st floor (to the right). We will be happy to answer your questions by phone: 0-550-511-317

Bond issuer

CJSC MFC Alma Credit

Activity type

Microfinance services


Sulaimanov Aibek


Legal address: Bishkek, Mederov Str., 117.

Actual address: Bishkek, Manas ave., 41а/4


0312  88 19 90

Type of bonds

Registered interest bonds

Volume of the issue 

KGS 50 000 000

Number of bonds

50 000

Face value

KGS 1 000

Bond coupon rate

19 % per annum

Payment of income

Each three months


2 years

Maximum value for option

KGS 10 000 000


«Blue Chips»

Bond placement start date

June, 14 - 2017

Maturity date

June, 14 - 2019


ЗАО АКФ «Kyrgyzaudit»


Reestroderjatel Medina LTD

Early repayment

Investors can early repay the bonds and return the invested funds. The bonds are redeemed at a nominal value of KGS 1000.

Effective interest rate


Income on bonds that are not subject to income tax and profit tax

Investment amount in KGS

Quarterly income (% payment) in KGS

Total income for 2 years in KGS

10   000



100   000



1   000 000



10   000 000