Lending activity in Tajikistan has jumped significantly over the first six months of this year, with total credit issued reaching 13.7 billion somonis, marking a 28.9% increase—or 3.1 billion somonis more—compared to the same period in 2024, according to the National Bank of Tajikistan (NBT).
Data from the country’s financial regulator shows that nearly half of all loans (49.8%) were directed toward consumer needs. Other key sectors included foreign trade (15.1%), agriculture (12.6%), industry (9.3%), services (6.4%), construction (3.6%), and other areas (3.2%).
The volume of microloans issued during this period amounted to 10.2 billion somonis, representing a year-on-year increase of 29%.
The NBT press center reported that the average interest rate on loans in national currency stood at 22.4% for January–June 2025, while loans in foreign currencies carried an average rate of 11.8%.
“Credit investment remains one of the key tools for ensuring stable economic growth, supporting domestic production, boosting export potential, and creating new jobs,” the regulator stated.
As of June 30, a total of 65 credit and financial institutions were operating across Tajikistan. These included:
- 15 traditional banks and 1 Islamic bank
- 1 non-bank credit institution
- 23 microcredit deposit organizations
- 3 microcredit organizations
- 22 microcredit funds
The number of branches operated by these institutions reached 1,942—up by 43 units compared to the same date last year.
