ARFIN, the Armenian Microfinance Organization, is committed to empowering micro, small, and medium entrepreneurs in Armenia, and their employees, through accessible and affordable financial services. Our mission is to create a better future for individuals and communities. We value common understanding, fostering a sense of unity and strong relationships within ARFIN, enabling effective decision-making. Integrity is fundamental to our work, emphasizing transparency, honesty, and ethical conduct. Clarity guides us, defining our purpose and principles, shaping business processes, and nurturing personal relationships. Empowerment is at the core of our approach, enabling clients, employees, and communities to take control of their financial well-being. Collaboration is key, as we recognize the power of cooperation in achieving greater impact and meeting stakeholder needs. We prioritize a healthy working environment that promotes personal growth, open communication, and values diversity and inclusivity. Our customer-centric approach ensures that clients' unique needs are understood, providing tailored solutions and exceptional experiences. Continuous improvement drives us to constantly enhance services, products, and processes, adapting to evolving customer needs. Responsible finance is paramount, considering societal and environmental impact while contributing to sustainable development in Armenia. We emphasize accountability, taking responsibility for our actions and building trust through transparency and reliability.








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ARFIN UCO

Stepan Torosyan

Hayarpi Kirakosyan

Ruben Melikyan

ARFIN UCO

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