Before banks and microfinance organizations (MFOs) make a decision to issue a loan, they assess solvency and credit risks of a borrower. With this end in view, they use various scoring systems, which are based on information from the borrower's credit history.Data for formation of a credit history and personal credit rating (PCR) are stored in credit bureaus. There are two of them in Kazakhstan – State Credit Bureau JSC (SCB) and First Credit Bureau LLP (FCB). These organizations receive information about loans, debts, delays and other financial obligations of citizens.SCB is a state-owned organization, a subsidiary of the National Bank. All second-tier banks, MFOs, pawnshops, utility services, telecom operators, collectors and other credit institutions must provide data to SCB subject to the laws.FCB is a private commercial company, and information is transferred to it on a voluntary basis.Credit history formation and data sourcesInformation is entered into credit history not by bureaus themselves, but by data providers, i.e. banks, MFOs, as well as companies that sell goods and services on installment or credit. Also, other persons can enter information into your credit report if there is an agreement with the bureau.Access to credit history and data verificationPotential borrowers can request their personal credit rating from the credit bureau to understand how lenders evaluate them. It is important to remember that financial institutions and other institutions can access the credit history only with a written consent of the potential borrower.You should check your credit history regularly, at least once every six months. This way, you can control correctness of the information and make sure that there are no loans issued to you by third parties in your history.Storage periods for information in the credit historyAccording to paragraph 2 of Article 14 of the Law “On Credit Bureaus and the Formation of Credit Histories in the Republic of Kazakhstan,” a credit bureau shall ensure the storage of information regarding a subject of credit history for five years after the date of receipt of the last information about them.In this case, period is counted not from the moment the loan is issued, but from the date of final repayment of the debt or settlement of the dispute. Even if you have already closed the overdue debt, information about it will be visible to banks and MFOs for several years and may affect approval of new loans. If the information is reliable, it is impossible to delete it ahead of schedule.In order to maintain a good credit reputation, it is recommended to closely monitor your credit history, repay obligations on time and regularly check the report in credit bureaus. This will help to avoid unexpected loan denials and maintain a high personal credit rating. Remember that a responsible attitude to your financial obligations is the key to trust from creditors and the opportunity to receive favorable lending terms. External Communications Directoratepress@finreg.kzSource : https://www.gov.kz/memleket/entities/ardfm/press/news/details/1090150?lang=kk

Source : https://www.gov.kz/memleket/entities/almobl/press/news/details/1090070?lang=kk

Source : https://www.gov.kz/memleket/entities/almobl/press/news/details/1090077?lang=kk

As part of the implementation of the Work Plan for celebrating the 180th anniversary of the great poet and thinker Abai Kunanbaiuly cultural events, literature evenings, and seminars were organised by the Ministry's departments, structural divisions, subordinate organizations, and territorial justice bodies, which was approved by the Head of the Administrative Office of the Ministry. It should be noted that a challenge was organized from poems, words of edification, Abai's songs, which was marked as «Abai's Creativity Day», and it became a tradition to wear national clothes at work on Fridays.Departments, structural divisions, subordinate organizations, and territorial justice bodies of the Ministry of Justice were awarded by the Certificates and Letters of Gratitude from the Minister of Justice of the Republic of Kazakhstan, which have popularized Abai's literary heritage, increased interest in reading classical Kazakh literature, and promoted the aesthetic sense and personal qualities in Abai's works:By department:1st place - Committee on Intellectual Property Rights;2nd place - Committee of Registration Service and Legal Services Organization.By structural divisions:1st place - Department of Legislation in the Field of Public Order;2nd place - Department of Legislation in the Field of Public Development;3rd place - Department of Strategic Planning and Organizational and Analytical Work.By subordinate organizations:1st place - RSE «National Institute of Intellectual Property» of the Ministry of Justice of the Republic of Kazakhstan;2nd place: RSE «Center for Forensic Expertise of the Ministry of Justice of the Republic of Kazakhstan»;3rd place: RSE «Institute of Legislation and Legal Information of the Republic of Kazakhstan».By territorial justice bodies:1st place: Department of Justice of Abai region;2nd place: Department of Justice of Turkestan region;3rd place: Departments of Justice of Almaty and Shymkent cities.Source : https://www.gov.kz/memleket/entities/adilet/press/news/details/1090083?lang=kk

Source : https://www.gov.kz/memleket/entities/almobl/press/news/details/1090084?lang=kk

Source : https://www.gov.kz/memleket/entities/almobl/press/news/details/1090032?lang=kk

Source : https://www.gov.kz/memleket/entities/almobl/press/news/details/1090049?lang=kk

Source : https://www.gov.kz/memleket/entities/almobl/press/news/details/1090052?lang=kk

Source : https://www.gov.kz/memleket/entities/almobl/press/news/details/1090061?lang=kk

On October 26, 2025, at 3:30 PM, a unique exhibition of Afghan goods will open at the Shymkent Exhibition Center. This is the third consecutive year that this exhibition of authentic Afghan crafts has been held in Kazakhstan. This year, it will be held in Shymkent for the first time.The highlight of the exhibition will be the famous hand-woven Afghan carpets, which are in high demand in many countries around the world. A wide range of other Afghan goods will also be on display: building materials, household and industrial chemicals, fresh fruits and vegetables, confectionery, beverages, and unique saffron tea.Venue: 12 Nursultan Nazarbayev Street, Exhibition Center.Exhibition Hours:October 26, 3:30 PM to 7:00 PMOctober 27-30, 9:00 AM to 7:00 PMSource : https://www.gov.kz/memleket/entities/mti/press/news/details/1090014?lang=kk

Video material was shownIn order to improve legal literacy, explain the consequences of offenses and form moral positions, students of grades 9-11 were shown video materials "incorrect fifteen years", "do not turn off the road that your ancestor walked".During the show, students realized the importance of being able to distinguish between good and bad, to observe discipline and make conscious decisions.Source : https://www.gov.kz/memleket/entities/kyzylorda-kazaly-kolaryq/press/news/details/1090000?lang=kk

On October 20, 2025, as part of the implementation of the Ethics Commissioner's Standard Work Plan, the Head of the Department conducted a training session for specialists at the Akmola Department of State Property and Privatization. The training session focused on compliance with the Code of Ethics and legislation in the field of civil service and anti-corruption.Advisory assistance was provided to civil servants.Furthermore, the Ethics Commissioners were briefed on business etiquette and official conduct, refraining from visiting gambling establishments, and the inadmissibility of imposing religious beliefs or coercing subordinates into participating in religious associations.Source : https://www.gov.kz/memleket/entities/gosreestr/press/news/details/1090009?lang=kk

They visited socially significant facilities: the secondary school, the police support point, and the pharmacy. Special attention was given to the accessibility and quality of services provided to the population.A price monitoring was also conducted for bread and basic food products.One of the key points of the working trip was the inspection of the construction progress of the village’s family medical clinic and the completion of the water supply network project. Important stages of the project implementation were noted, along with deadlines for completion and current issues facing the village of Turgusun.Source : https://www.gov.kz/memleket/entities/altay-maslihat/press/news/details/1089992?lang=kk

       From October 16 to 18, 2025, the Training and Methodical Center of the State Revenue Committee of the Ministry of Finance of the Republic of Kazakhstan conducted a specialized course on the topic “Updating and Conducting Special Training Courses for Operators of X-ray Television Inspection Systems.”      The training took place at the customs post of the International Center for Cross-Border Cooperation (ICBC) “Khorgos” of the Department of State Revenue for the Zhetysu Region and was attended by employees of the ICBC “Khorgos” customs post and officers of the Border Service of the National Security Committee of the Republic of Kazakhstan.      The main goal of the course was to improve the quality of control at border checkpoints, which includes an integrated system involving both equipment and personnel, as well as to enhance operators’ skills in performing qualified analyses of scanned X-ray images and verifying the information contained in the accompanying documents.      The training program covered the following key topics: operation of X-ray television inspection systems such as Rapiscan, Rapiscan DV, Smith-Heimann, and Heimann-Container; eye-training exercises aimed at improving recognition of dangerous objects (such as grenades, synthetic drugs, knives, and improvised explosive devices) presented from various angles; profiling techniques and identification of non-verbal cues from passengers potentially intending to commit terrorist acts; detection of concealed weapons, explosives, ammunition, and prevention of illegal transport of prohibited items and contraband goods.       The course also included the use of the Simfox simulation program for training and testing operators of X-ray television inspection equipment.       Training Results Achieved Using the “Simfox” Simulation Program:improved skills in detecting weapons;identification of explosives and detonating devices;prevention of drug trafficking and other illicit goods;understanding and application of X-ray television inspection systems.       To reinforce the acquired knowledge, participants took part in a practical training session using sample mock-ups representing narcotic and explosive substances, prohibited items, foreign currencies, and various types of jewelry (including gold of different grades and silver). The session was conducted in an interactive format, involving active discussion and detailed analysis of X-ray images using Rapiscan equipment. Source : https://www.gov.kz/memleket/entities/kgd/press/news/details/1089972?lang=kk

An open regional Taekwondo tournament among children and adolescents born between 2011 and 2017 was held at the Sports and Wellness Complex in Akai village, Karmakshy district.The main goal of the competition was to promote a healthy lifestyle among youth, improve athletic skills, and develop Taekwondo across the region.The opening ceremony was attended by Deputy Akim of Karmakshy district Dias Asylbekuly and President of the Baikonur Taekwondo Federation Nikolai Petrovich, who wished the participants success and highlighted the importance of the event.Young athletes from Kyzylorda, Baikonur, and Karmakshy district took part in the tournament, engaging in exciting and competitive matches.The competition was well organized, and the participants demonstrated excellent skills and preparation.At the end of the tournament, winners and prizewinners were awarded special medals and diplomas.Such events give a strong impetus to the development of sports in the district and help foster young people's interest in physical activity and sports.Source : https://www.gov.kz/memleket/entities/kyzylorda-karmakshy/press/news/details/1089901?lang=kk

Source : https://www.gov.kz/memleket/entities/mod/press/news/details/1089885?lang=kk

In Kazakhstan, micro and small businesses are defined by the number of employees and annual incomeMicrobusinesses are sole proprietorships with up to 15 employees and annual income up to 30,000 MRP.Small business includes IEs and legal entities with up to 100 employees and annual income up to 300,000 MRP.Source : https://www.gov.kz/memleket/entities/kgd-zhetysu/press/news/details/1089892?lang=kk

On October 20, 2025, A. I. Urazmbetova, Head of the Interdistrict Territorial Enforcement Department No. 3 of the North Kazakhstan Region Department of Justice, held a seminar for PSC employees on "Compliance with Legislative Requirements in the Provision of Public Services."All those who applied received clarifications in accordance with current legislation.Source : https://www.gov.kz/memleket/entities/adilet-sko/press/news/details/1089865?lang=kk

On October 15, 2025, Batima Sevkrayevna Abilkairova, Head of Department and Senior Bailiff of the Interdistrict Territorial Enforcement Department No. 4, gave a lecture for employees of the Imantau Rural District of the Aiyrtau District on the topic:"Initiation of Enforcement Proceedings Based on a Writ of Execution Upon a Claimant's Application."Source : https://www.gov.kz/memleket/entities/adilet-sko/press/news/details/1089859?lang=kk

On October 16, 2025, the chief specialist of the department for control over the registration service and registration of non-profit organizations of the Department of Justice of the North Kazakhstan region held a seminar for employees of the Gabit Musrepov district department of the branch of the NAO State Corporation "Government for Citizens" in the North Kazakhstan region on the topic "Acceptance of documents for the provision of public services in the field of registration/re-registration of non-profit legal entities."Source : https://www.gov.kz/memleket/entities/adilet-sko/press/news/details/1089862?lang=kk