UnaFinancial and JSCB Microcreditbank launch a digital credit service Una Moliya in Uzbekistan
26 June 2025
A joint venture by the international fintech holding UnaFinancial and JSCB Microcreditbank (MKBANK) is now offering online lending services for small businesses without collateral.
Una Moliya is being implemented as part of the state’s 2024-2026 Program for Expanding Access to Microfinance Services. It supports the country’s financial inclusion agenda, increasing the reach of the official financial system.
Una Moliya loans are available to small and micro businesses, self-employed individuals, and dehkan farms. Initial product offering includes Installment Loans from UZS 3.5 million to 65 million. The repayment term ranges from 4 to 18 months.
Our goal was to make financing accessible for as many entrepreneurs as possible, including self-employed individuals in the most remote parts of the country.
Regional Director for Central Asia at UnaFinancial
Almaz Torutayev
According to PwC, small and micro businesses in Uzbekistan face a financing gap exceeding $6 billion, with the shortage particularly acute in the farming and dehkan (smallholder) sectors. Una Moliya seeks to bridge this gap with digital solutions available online across the country.
The launch of Una Moliya is a contribution to building an inclusive economy. We support projects that combine technology, accessibility, and high financial standards. I’m confident that our joint initiative will serve as a strong foundation for small businesses.
Deputy Chairman of the Management Board of Microcreditbank
Ikram Jumaniazov
