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Bank Eskhata
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Bank Eskhata

Microfinance (Social)

OJCS Commercial Bank Eskhata (Bank Eskhata) in Tajikistan offers a full range of financial products, including loans to individuals and small-and-medium-sized (SME) enterprises, deposits, money transfer, exchange currency operations and plastic cards. The bank has a strong position in the north of Tajikistan and a growing presence in the central and southern parts of the country. Bank Eskhata aims to achieve a new level of client service by enhancing E-banking and to expand into the agricultural sector.

The vision and mission of Bank Eskhata fits well with the strategy of Triodos Microfinance Fund and Triodos Fair Share Fund to support SME lending and rural outreach. The Triodos funds have provided a loan Bank Eskhata to further realise its growth ambitions.

KEY INDICATORS as of 31 December 2016:

- number of loan clients: 60,528
- percentage female clients: 39%
- percentage rural clients: 35%
- average loan amount: EUR 2,073
- number of savings clients: 129,486



Whoever you are, and wherever you live in the world, you are likely to want permanent access to financial services. Microfinance banks play a crucial role providing access to finance to an increasing number of people living on low-incomes. We finance microfinance institutions because they help to build inclusive financial sectors, where the majority of people have access to financial services, leading to a sustainable basis for balanced social and economic development.

Gagarina Street 135