Our Shareholders
FINCA Armenia shares are owned by FINCA Microfinance Cooperative U.A., a Netherlands-based company.
On November 1, 2011, following preliminary approval of the Central Bank of Armenia, 136,472 shares of FINCA UCO CJSC owned by FINCA International were transferred to FINCA Microfinance Cooperative U.A., a Netherlands-based company. FINCA Microfinance Cooperative U.A. has been incorporated in the Netherlands by FINCA Microfinance Holding Company LLC and FINCA International. The declared shares of FINCA UCO CJSC constitute 490,596, each with a nominal value of 10,000 AMD. The charter capital constitutes 4,905,960,000 AMD.
Our Investors
Our cooperation with prominent international financial institutions is testament to FINCA Armenia’s strong financial performance and our commitment to the FINCA Impact Finance mission.

MCE Social Capital (MCE) is a nonprofit impact investing firm that provides flexible capital to enterprises committed to generating sustainable livelihoods in emerging markets –with a focus on women and the environment– to allow these enterprises to scale and better serve their customers, their employees, and their communities. Since 2006, MCE has disbursed over $291 million in debt capital to 146 institutions in 65 countries throughout the developing world.

Agents for Impact (AFI) is an impact investor based in Frankfurt, Germany. The goal of AFI is to create impact, which is fair, sustainable and responsible. The focus of the company lies on investment opportunities that meet specific impact criteria and make a positive contribution towards achieving the SDG. Along with impact investment, AFI conducts research for two of Invest in Vison’s funds in the microfinance sector.

Kiva is a U.S. nonprofit organization founded in 2005, and based in San Francisco, with offices in Bangkok, Nairobi, Portland and staff around the globe. Kiva attracts financing by crowdfunding loans and unlocks capital for underserved people, improving the quality and cost of financial services, and addressing the underlying barriers to financial access around the world. Through Kiva’s work, students can pay for tuition, women can start businesses, farmers are able to invest in equipment and families can afford needed emergency care.

IFC, a member of the World Bank Group, is the largest global development institution focused exclusively on the private sector. IFC helps developing countries achieve sustainable growth by financing investment, mobilizing capital in international financial markets, and providing advisory services to businesses and governments. In FY12, IFC’s investments reached an all-time high of more than $20 billion, leveraging the power of the private sector to create jobs, spark innovation, and tackle the world’s most pressing development challenges.

responsAbility Investments AG is a Swiss asset manager dedicated to development investments and offers professionally-managed investment solutions to private, institutional and public investors. Founded in 2003, responsAbility Investments AG supplies debt and equity financing predominantly to non-listed firms in emerging and developing economies.

Symbiotics is an investment company specialized in emerging, sustainable and inclusive finance which offers market research, investment advisory and asset management services. Since 2004, Symbiotics has invested over USD 1.9 billion in more than 200 microfinance institutions in 50 emerging countries, working with more than 28 investment funds and many institutional investors.

The EMF Microfinance Fund is an impact investor founded in 2008 and based in Vaduz, Liechtenstein. Their goal is to promote financial inclusion to people in developing economies currently overlooked by the financial system. EMF aims to support promising, responsible, profitable and sustainable Micro, Small and Medium Enterprises, financing Intermediaries that focus on achieving social impact.
Bonds
FINCA issued nominal, non-documentary, coupon bonds
The program prospectus of FINCA UCO CJSC nominal, non-documentary, coupon bond issuance was registered by the N 1/206A resolution of Chairman of the Central Bank of Armenia as of April 26, 2023.
Addition to Bond Issue Prospectus 2023
- Final terms and conditions of 15th tranche bonds
- Statement on the Initial Public Offer of 15th tranche bonds 4
- Statement on the Initial Public Offer of 15th tranche bonds 3
- Statement on the Initial Public Offer of 15th tranche bonds 2
- Statement on the Initial Public Offer of 15th tranche bonds 1
- Final terms and conditions of 14th tranche bonds
- Statement on the Initial Public Offer of 14th tranche bonds
The program prospectus of FINCA UCO CJSC nominal, non-documentary, coupon bond issuance was registered by the N 1/664A resolution of Chairman of the Central Bank of Armenia as of December 29, 2021.
2nd Addition to Bond Issue Prospectus 2021
1st Addition to Bond Issue Prospectus 2021
- Final terms and conditions of 13th tranche bonds
- Statement on the Initial Public Offer of 13th tranche bonds 1
- Statement on the Initial Public Offer of 13th tranche bonds
- Final terms and conditions of 12th tranche bonds
- Statement on the Initial Public Offer of 12th tranche bonds
- Final terms and conditions of 11th tranche bonds
- Statement on the Initial Public Offer of 11th tranche bonds 3
- Statement on the Initial Public Offer of 11th tranche bonds 2
- Statement on the Initial Public Offer of 11th tranche bonds 1
- Statement on the Initial Public Offer of 11th tranche bonds
- Final terms and conditions of 10th tranche bonds
- Statement on the Initial Public Offer of 10th tranche bonds
- Final terms and conditions of 9th tranche bonds
- Statement on the Initial Public Offer of 9th tranche bonds
- Final terms and conditions of 8th tranche bonds
- Statement on the Initial Public Offer of 8th tranche bonds
- Final terms and conditions of 7th tranche bonds
- Statement on the Initial Public Offer of 7th tranche bonds
The program prospectus of FINCA UCO CJSC nominal, non-documentary, coupon bond issuance was registered by the N 1/234A resolution of Chairman of the Central Bank of Armenia as of April 19, 2019.
2nd Addition to Bond Issue Prospectus 2019
1st Addition to Bond Issue Prospectus 2019
- Final terms and conditions of 6th tranche bonds
- Statement on the Initial Public Offer of 6th tranche bonds
- Final terms and conditions of 5th tranche bonds
- Statement on the Initial Public Offer of 5th tranche bonds
The program prospectus of FINCA UCO CJSC nominal, non-documentary, coupon bond issuance was registered by the N 1/842A resolution of Chairman of the Central Bank of Armenia as of December 5, 2018.
- Final terms and conditions of 4th tranche bonds
- Statement on the Initial Public Offer of 4th tranche bonds
- Final terms and conditions of the 3rd tranche bonds
- Statement on the Initial Public Offer of 3rd tranche bonds
On December 30, 2016, the prospectus of FINCA UCO CJSC nominal, non-documentary, coupon bonds issue was registered by the resolution of Governor of the Central Bank of Armenia N 1/970A.
On February 22, 2017, placement of nominal coupon bonds (FNCAB1) issued by Finca UCO CJSC took place on the NASDAQ OMX Armenia primary placement platform in a standard closed (European) auction. ARARATBANK OJSC acted as the underwriter of the guaranteed placement.
- Final terms and conditions of the 2nd tranche bonds
- Statement on the Initial Public Offer of 2nd tranche bonds
- Final terms and conditions of the 1st tranche bonds
- Statement on the Initial Public Offer of 1st tranche bonds
Statement of Reporting Issuer
- Semi-Annual statement of reporting issuer-2023
- Annual statement of reporting issuer-2022
- Semi-Annual statement of reporting issuer-2022
- Annual statement of reporting issuer-2020
- Semi-Annual statement of reporting issuer-2021
- Annual statement of reporting issuer-2020
- Semi-Annual statement of reporting issuer-2020
- Annual statement of reporting issuer-2019
- Semi-Annual statement of reporting issuer-2019
- Annual statement of reporting issuer-2018
- Semi-Annual statement of reporting issuer-2018
- Annual statement of reporting issuer-2017
- Semi-Annual statement of reporting issuer-2017
- Annual statement of reporting issuer-2016