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Issuance of a license for microfinance activities

Как получить услугу
Online
Legal entities

You can obtain a service via the Portal:

1. Click “Order Online” button, then a new window will open of e-Licensing Portal;

2. Sign in or log in on e-Licensing Portal;

3. Click “Order Service Online” button on e-Licensing Portal page;

4. Fill in the fields of request;

5. Sign a request with digital signature;

6. You can track status of request in “My applications” section of Personal Account, status on obtainment of license in “My licensing documents” section and status on obtainment of notification in “My notifications” section.

Результат оказания услуги

Notification of the issuance of a license, a duplicate of a license, renewal of a license, or a reasoned response to a refusal to provide a public service.

Часто задаваемые вопросы
What can be the reasons for refusal to deliver a public servise?

The grounds for refusal to provide public services can be found in the Rules for public services provision.

If you want to report the result, action or inaction of servise provider.
  • appeal;
  • initiative of an administrative body or official.

 General requirements for the appeal

The appeal submitted in hard copy or electronic form shall indicate:

  • Full name, IIN, postal address of a natural person, BIN of a legal entity;
  • name of administrative body, official to whom the appeal is submitted;
  • the essence of an appeal;
  • date of filing an appeal;
  • signature of the applicant or his representative;
  • other information provided for by legislation of the Republic of Kazakhstan.

If the administrative procedure is on a paid basis, the applicant must submit a document confirming the payment.

! It is barred to reject the receipt of an appeal.

  1. Once the appeal is submitted, the applicant is issued a receipt containing a unique number, indicating the date and time, last name and initials, and the position of the person who received the appeal.
  2. In the case of non-compliance with the requirements established by Article 63 Code, the administrative body and the official shall indicate to the applicant the requirements the appeal does not comply with, and set a reasonable time limit for bringing it into compliance with the requirements.
  3. Before a decision is made on the administrative case, the applicant may withdraw the appeal on the basis of his written application.

Referring the appeal to an authorized administrative body and official

An appeal received by an administrative body and official whose authority does not include the consideration of this appeal, within no later than 3 working days from the date of its receipt shall refer it to the authorized administrative body and official, with simultaneous notification of the participant in the administrative procedure.

  1. The timeframe of administrative procedure is 15 working days from the date of receipt of an appeal.

! The laws may set the other timeframe for consideration of appeals (For example, according to the Law “On Access to Information” a reply to a written enquiry is provided within fifteen calendar days from the date of receipt of the information by the owner).

  1. The period of administrative procedure may be extended by a reasoned decision of the head of the administrative body for not more than 2 months, consistently the participant in the administrative procedure is notified within 3 working days from the date of extension.

A participant in the administrative procedure has the right to file a complaint the administrative action (inaction) related to the adoption of an administrative act.

If an administrative body and official within the timeframe has not adopted an administrative act or committed an administrative action, then commencing from the date of expiry it is considered that the administrative body and official rejected to adopt the administrative act or commit the administrative action.

The complaint is submitted to the administrative body and official whose administrative act and administrative action (inaction) is being appealed.

An appeal to the court is allowed after a pre-trial appeal. If the law provides for the possibility of going to court without the need to appeal to a higher authority, the administrative act, administrative action (inaction) of the administrative body and official is being disputed, along with the revoke, submit to the court a reasoned position of the head of the higher administrative body and official.

! The Administrative Procedure Code not always rules the procedure of complaint; the industry laws may contain statutes indicating the appeal of the decision in the court, without pre-trial appeal.

  1. A complaint against an administrative act, administrative action (inaction) is submitted to the administrative body and official no later than 3 months from the day when the participant in the administrative procedure became aware of the adoption of the administrative act or the commitment of an administrative action (inaction).
  2. If the deadline is missed for a good reason, at the request of the participant in the administrative procedure, it may be renewed by the body considering the complaint.
  3. Missing the deadline for submitting the complaint is not a basis for rejection to receive the complaint by the body considering the complaint.

! Other laws may establish a special procedure and deadlines for appealing the decisions.

The period for consideration of the complaint is 5 working days from the date of receipt of the complaint.

! Other laws may establish a different period for appealing the decisions of administrative bodies.

 

 

Source: Administrative Procedural Code of Republic of Kazakhstan,
The Law of the RK "On Public services"

List of regulatory legal acts governing issues related to the licensing of microfinance activities

Laws of the Republic of Kazakhstan: 

  1. The Law of the Republic of Kazakhstan № 56-V, dated November 26, 2012 «On Microfinance Organizations»;
  2. The Law of the Republic of Kazakhstan № 573, dated July 6, 2004 «On Credit Bureaus and Formation of Credit Histories in the Republic of Kazakhstan» (fulfillment of the requirement to conclude an agreement on the provision of information with a state-participation credit bureau);
  3. The Law of the Republic of Kazakhstan №191-IV, dated August 28, 2009 «On Counteraction of Legitimization (Laundering) of Incomes Received by Illegal Means, and Financing of Terrorism» (specifies requirements for financial monitoring and cooperation with the authorized authority);
  4. The Law of the Republic of Kazakhstan № 234, dated February 28, 2007 «On Accounting and Financial Reporting» (accounting and preparation of financial statements).

Subordinate regulatory legal acts: 

  1. Resolution of the Board of the Agency of the Republic of Kazakhstan on regulation and development of the financial market № 108, dated November 23, 2020 «On approval of the Rules for licensing of microfinance activities, Qualification requirements for microfinance activities and the list of documents confirming compliance with them» (defines the procedure for licensing microfinance activities.);
  2. Resolution of the Managing Board of the National Bank of the Republic of Kazakhstan No. 226, dated November 28, 2019 «On approval of the Rules for organizing the activities of pawnshops, including the issues of storing things in a pawnshop, establishing requirements for ensuring the safety and technical strength of pawnshop premises, measures to counter the circulation of illegally obtained things in pawnshops» (sets forth requirements for the safety and structural integrity of pawnshop facilities);
  3. Resolution of the Board of the National Bank of the Republic of Kazakhstan № 192, dated November 14, 2019, «On Approval of Prudential Standards and Other Norms and Limits Mandatory for Compliance by Organizations Engaged in Microfinance Activities, and the Methodology for Their Calculation» (defines the minimum size of the authorized capital);
  4. Resolution of the Board of the National Bank of the Republic of Kazakhstan № 228, dated September 27, 2018 «On Approval of the Requirements for the Use of Information and Communication Technologies and Information Security in Organizing the Activities of Credit Bureaus, Information Providers and Recipients of Credit Reports, and the Requirements of Credit Bureaus to Information Providers and Recipients of Credit Reports»
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Полное название
Issuance of a license for microfinance activities
Получатели услуги
Legal entities
Стоимость услуги

1) for issuing a license is - 30 МCI;

2) for renewal of a license is - 10 percent of the rate for issuance of a license;

3) for the issuance of a duplicate of the license is - 100 percent of the rate for the issuance of a license.

Срок оказания услуги

upon issuance of a license - within 30 working days;

upon renewal of the license - within 3 working days;

when re-issuing a license in the event of reorganization of a microfinance organization, credit partnership, pawnshop (hereinafter - the service recipient) in the form of separation or division - no later than 30 working days;

upon issuance of a duplicate license - within 2 working days.

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The Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market
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Portal of electronic licensing
Portal of "electronic government"

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