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ICF-SME is incorporated under Iraqi law as a private non-bank financial institution, regulated by Central Bank of Iraq, with unique capability to allocate its resources to qualifying private commercial bank shareholders which on-lend at attractive rates to small and medium size enterprises (SMEs). The Company’s short-term objective is prudent and efficient channeling of its resources through a motivated banking network that offers loans to SMEs. Longer term, the company’s objective is to leverage off the success in expanding this loan volume by attracting additional funding for continuing SME development.


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