OXUS Network



Created in 2007 with funding from MISFA, OXUS Afghanistan was able to build on ACTED’s experience and past programmes in the country, in particular a micro-loan initiative to provide farmers with seeds and tools for sowing. OXUS Afghanistan operates 13 branches across the country and is today one of the country’s biggest microfinance providers in portfolio terms. Since inception and as of December 2019, OXUS Afghanistan has disbursed more than 240k loans. Due to the low penetration of commercial banks in rural areas and the lack of microfinance institutions (MFIs), Afghanistan is an extremely promising market. With a population of 34m people and a growing economy, many micro entrepreneurs and small and medium sized enterprises are in need of funding and investment.


To date, OXUS Afghanistan offers different product types, amongst them collateral-free group loans, individual loans, social loans, SME loans, staff and salary loans, and agricultural loans. At present, two thirds of the loans disbursed by OXUS in Afghanistan were disbursed to small credit groups. Individual business loans are also particularly successful because OXUS’ clients working in trade or commerce favour the higher degree of flexibility offered by these products. At present, over 37% of OXUS’ clients in Afghanistan are women.


Salim Khan

Chief Executive Officer

Mr. Khan has a Master’s Degree in Commerce and Accounting with Distinction.
He is an International Certified Expert in Risk Management, SME Lending and Microfinance from the Frankfurt School of Business & Management in Germany. He also holds a Diploma in Microfinance from Kampala University. Prior to joining OXUS Afghanistan, Mr. Khan worked with FINCA as a Chief Operating Officer and Head of Risk Management in The First Micro Finance Bank Afghanistan. He also served as a board member of FINCA Microfinance Bank Pakistan and currently holds a position of vice chairman with the Afghanistan Microfinance Association and board member of OXUS Tajikistan. Mr. Khan also worked in senior positions with FMFB Pakistan, AKRSP Pakistan and AKDN Afghanistan.


OXUS Afghanistan

District 10, Qala-e Fatehullah, Street#06, House#600, Kabul Afghanistan

Tel: (+93) 7522 031 738/739

email: kabul@oxusaf.org

website: http://www.oxusaf.org/