he clients of The First Microfinance Company are predominantly located in the rural and mountainous areas of Kyrgyzstan, where access to basic financial products and services is limited. Clients use the loans for income-generating activities but also to improve their quality of life, such as loans for housing renovation, energy efficiency improvement and educational purposes.

The institution wants to use digitalisation to expand its geographical reach without depending on an extensive network of branches. For example, it introduced digital loans which are tied to an electronic wallet.