OXUS-Afghanistan review
Updated October 12, 2026 · SumCue Editorial Team
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
OXUS-Afghanistan provides microfinance services that support small businesses and create job opportunities in Afghanistan. Created in 2007, the provider empowers individuals and communities through accessible financial tools that foster sustainable livelihoods, economic growth and improved quality of life for clients.
Key facts
- Best for
- Helps Afghan entrepreneurs fund small business ambitions.
- Loan amount
- AFN 10,000 to AFN 500,000↗
- Term
- 6 to 24 months↗
- Lender type
- Direct lender↗
- Eligibility
- Small Business Murabaha: men and women business owners, sole proprietorships, family companies, partnerships or incorporated companies engaged in business activities↗
- Loan types
- Business, Personal↗
- Headquarters
- Afghanistan↗
- Founded
- 2007↗
- Support channels
- Phone, Email, Chat↗
- Official website
- oxusaf.org
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Elsewhere
- LinkedInXfacebook.com
Pros and cons
Pros
- Builds teams of recognized professionals focused on efficient service delivery.
- Operates as a transparent and responsible enterprise serving underserved communities.
- Champions financial inclusion that fosters stability and sustainable economic development.
Cons
- Serves clients only within Afghanistan, which limits choice for borrowers elsewhere.
- Focuses on microfinance, which restricts options for borrowers seeking broader banking services.
Who it suits
- Afghan small business owners seeking accessible funding
- Farmers and traders building sustainable livelihoods
- Women entrepreneurs pursuing independent income
Who should look elsewhere
- Borrowers outside Afghanistan
- Seekers of full-service commercial banking
How OXUS-Afghanistan compares
Where OXUS-Afghanistan is available
- Available
- Afghanistan
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Who can apply for Small Business Murabaha funding?+
Small Business Murabaha supports men and women who run enterprises in Afghanistan. Eligible structures include sole proprietorships, family companies, partnerships and incorporated companies engaged in business activities. Applicants must be active business owners seeking support for their enterprise.
Which loan categories does OXUS-Afghanistan cover?+
OXUS-Afghanistan covers business and personal borrowing needs through microfinance solutions in Afghanistan. Business funding assists entrepreneurs and small enterprises pursuing growth and investment. Personal funding helps individuals address household or livelihood requirements with accessible services.
How extensive is the branch network in Afghanistan?+
OXUS-Afghanistan maintains 33 branches across the country. The network makes the provider one of the largest microfinance suppliers measured by portfolio. Broad coverage helps reach areas where commercial banks have limited presence and supports entrepreneurs seeking funding.
How did early initiatives assist farmers?+
Early initiatives grew from agricultural support that supplied seeds and tools for sowing. The programme reflected a belief in local abilities and productive potential. Experience from those efforts helped shape broader microfinance services for entrepreneurs.
What goal guides OXUS-Afghanistan work?+
The provider aims to improve sustainable livelihoods for customers across Afghanistan through inclusive finance and economic growth. Leaders emphasize resilience, professional teams and responsible service delivery. The ambition remains to stand as a reference microfinance organization nationally.
Sources
- oxusaf.org checked September 26, 2026
Backs: Headquarters, Support channels
“District 10, Qala-e-Fatullah, Street # 6, House # 600, Kabul, Afghanistan”
- oxusaf.org/about-us checked September 26, 2026
Backs: Founded, Lender type
“Created in 2007 with funding from MISFA”
- oxusaf.org/salary-murabaha checked September 26, 2026
Backs: Loan types
“Salary Murabaha Agreement are a financing facility provided for personnel and staff of eligible NGOs, private companies ... for the purpose of household use and creating Assets ... as well as...”
- oxusaf.org/small-business-murabaha checked September 26, 2026
Backs: Loan amount, Eligibility, Term
“Small Business Murabaha Agreement: Financing size: AFN- 10,000 - 500,000”
Compiled from 4 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: APR, Arrangement fee, Credit check, Funding time, Representative example.