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Financial Inclusion in Tajikistan

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Progress and Challenges

Tajikistan has made significant strides in increasing banking penetration and access to financial services.

Key Points:

• Financial Inclusion: The country has shown considerable progress in expanding banking penetration and providing financial services.
• Banking Penetration: There is a growing number of banking accounts, but the number of borrowers from microfinance organizations decreased due to the 2008-09 financial crisis.

Currency Structure

Most individuals’ banking accounts are denominated in somoni (TJS), while small and medium-sized enterprises (SMEs) use foreign currency accounts more frequently.

Bullet Points:

• Domestic Accounts: Most individual banking accounts are held in the national currency, somoni (TJS).
• Foreign Currency Accounts: SMEs prefer to hold their accounts in foreign currencies due to various economic and financial factors.

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