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Chairman of the Board of Directors

He graduated from the Kyrgyz State National University with a degree in Finance and Credit in 1998. He started his career in 1997 at the banking sector. He has solid experience working at the managerial positions and TOP management at the banking and microfinance sector in Kyrgyzstan for more than 20 years: Tolubai Bank, Optima Bank, Finance Credit Bank, FCB Investment LLC, MFC Alma Credit.

Trainings and courses:

  • Forecast of cash flow at the borrower's business project, BUC, April 2000
  • Projects procurement under the MAP credit line, World Bank Office, September 2000
  • Enterprise Financial Analysis, World Bank Office, June 2001
  • Risk Analysis of Investment Projects, World Bank Office, June 2001
  • Evaluation of Business Plans, World Bank Office, July 2001
  • Changes review in accounting policy of loans and securities, BUC, February 2002
  • Financial Accounting-I. IFRS, Jakobs-Training Center, July 2002
  • Management accounting-I. IFRS, Jakobs-Training Center, February 2003
  • Mortgage Lending, Draft Land Reform Project in Kyrgyzstan, November 2003
  • Preparation of analytical documents, Project "Capacity building in the field of economic management, June 2012
  • Anticorruption Examination of Draft Normative Legal Acts, USAID Project Strengthening of Budget Transparency, November 2012
  • Mastering the methodology for analyzing regulatory impact of legal acts on entrepreneurial activities, World Bank Project "Capacity Building in Economic Management, January 2013
  • Skills of analytical thinking and presentation, Governmental management academy of the President of the Kyrgyz Republic, April 2013
  • Preparation of strategic documents, USAID Project, November 2013
  • Educational tour in the EU for the development of small and medium-sized businesses, Project CESVI (Italy), April 2014.

Ermek Ormotoev headed the Chairman of the Board of Directors at the MFC Alma Credit in April 2017.



Chairman of the Board

He studied international economic relations at the Kyrgyz State University of Construction, Transport and Architecture, which he successfully graduated in 1999. Earlier, in 1993 he graduated from Tomsk Institute of Automated Control Systems and Radioelectronics, (Russia).

He works at banking and microfinance sectors more than two decades, including 15 years in management positions. He has significant experience at the financial sector in Tajikistan, Dagestan, North Ossetia-Alania in the microfinance organization Finca (Russia). He has gained a solid part of his professional in Kyrgyzstan, both in Bishkek and in other regions of the at Talas and Karakol.

In 2000, he began his career as a loan officer at the Foundation for Assistance to the International Community (FINCA-Kyrgyzstan), gradually improving his professional and managerial skills, rising up the career ladder, going from a simple specialist to the Chairman of the Management Board, and later to the Advisor to the Management Board of JSC “Trust - Union”, as well as to the Deputy Chairman of the Management Board of OJSC IFC “ABN”.

Since August 2019 he works as Chairman of the Management Board of CJSC IFC Alma Credit.

Trainings and courses::

  • Introduction to accounting, BUC, January 2007, Bishkek
  • Branch Manager Development Program Phase 1, Functional Modules, FEDA, July 2007, Bishkek
  • Branch Manager Development Program, FEDA, May 2008, Bishkek
  • People management training, FEDA, February 2011, Bishkek
  • Agricultural lending, April 2012, Bishkek
  • Training and development program for middle managers “Human Resource Management”, FDA, 2016, Pyatigorsk, Russia
  • Harassment and Discrimination Prevention, FINCA Impact Finance, March 2018, Bishkek
  • Data analysis using Power BI, SoftLine, July 2018, Bishkek
  • Information Security Awareness, FINCA Impact Finance, October 2018, Bishkek
  • Challenges facing the banking system of Japan, Japan Center for Human Development, November 2018, Bishkek



Acting Chairman of the Board

He graduated from Bishkek Humanitarian University named after K. Karasayev, majoring in Finance and Credit, 2004-2009, Diploma with Honors.

Trainings and courses:

  • Fundamentals of financial analysis "Small" technology for small business lending, Bishkek, 2013
  • Financial literacy; SMART; Loan loss provisions; Procedures against legalization of funds obtained by criminal means and the financing of terrorism, Bishkek, 2015-2016
  • Modernization of the system for registration of secured transactions and debt restructuring, Bishkek, 2017
  • CBS5 Software - Credit Info International, Bishkek, 2018
  • Bank risk basics under the risk certification program – The Union of Banks of the Kyrgyz Republic, December 2018
  • Strategic Management - Kyrgyz-Japanese Center for Human Development, October 2018
  • Negotiation Methods - Business & Finance Consulting, GmbH (BFC), October 2018
  • Debt Collection, Best Practices in Russia and Ukraine - Business & Finance Consulting, GmbH (BFC), October 2018
  • Management Fundamentals – SAMO International Center for Human Development, 2019

Professional activity starting from 2010:

  • From February 2010 to September 2013 he worked in the network of the French financial holding Oxus International-Kyrgyzstan at the position of senior loan officer of CJSC MCC Oksus;
  • From 2013 to 2014 he worked in the sales department of Rosinbank
  • From May 2015 to October 2017 he worked as a Credit Manager in the Bishkek branch of LLC MCC Credit Solutions
  • From October 2017 to May 2018 - Director of the Tokmok branch in CJSC MFC Alma Credit
  • Since February 2018 - Director of the "Bishkek-West" branch in CJSC MFC Alma Credit
  • In March 2018, he was transferred to the position of Director of the Bishkek-Central brunch in CJSC MFC Alma Credit
  • Since May 2018 - Deputy Chairman of the Management Board of CJSC IFC Alma Credit.

Turbatova Diana

Turbatova Diana

Member of the Board / Chief Accountant

She started her career in 2001 in the banking sector. He has solid experience in the banking sector in Kyrgyzstan for more than 15 years, including 8 years at managerial positions: Tolubai Bank, Finance Credit Bank, Issyk-Kul Investment Bank, Dos-Kredobank.


  • Issyk-Kul State University named after K.Tynystanov, Mathematics and Physics Faculty
  • Kyrgyz National University named after Zh. Balasagyn, Economics Faculty

She works in MFC Alma Credit since 2017. She became a member of the Board / Chief Accountant in May 2018.