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For over 23 years, we’ve been supporting entrepreneurs in growing their businesses and individuals in improving their quality of life. We’ve built our leadership position thanks to the perfect mix of tailored products, the energy of our team, and a personalized approach to every client.

Our achievements:
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billion
Portofolio
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Clients
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Partners
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Employees
We build trust and long-term growth, based on strong values that guide our daily work.
People
We develop together
Transparency
We are transparent in everything we do
Quality
We strive to deliver beyond expectations
Responsibility
We are morally liable in our actions
Resilience
Challenges make us better
Why choose Microinvest?

We respect international standards for service quality and do our best to ensure that our
relationships with customers bring only pleasant experiences for both parties.

Gold in client protection
Microinvest is the only financial organization in Moldova that holds the international GOLD certification in client protection.
Transparent and clear conditions
We are objective and transparent in everything we do. We help you understand how much, how and for what you are paying, so you can make an informed lending decision.
Responsible prices
We set prices for loans responsibly and offer our clients the best conditions.
Respectful treatment
We treat each client with correctness and respect, regardless of the amount borrowed.
Data confidentiality
We store and process your personal data with care and responsibility and only offer you what you need, when you need it.
Handling complaints
We are open to all complaints and ready to find the most effective solution mechanisms.

Our lenders

Dumitru Svinarenco

Chief Executive Officer

Dumitru is responsible for coordinating Microinvest’s executive operations and strategic development, overseeing the Human Resources, Legal and Compliance divisions. He actively contributes to strengthening the company and developing an efficient organizational framework focused on sustainable growth and performance.

He has been part of the Microinvest team since June 2015 and has extensive experience in the financial and banking sector, as well as organizational management. 

Previously, Dumitru worked for 14 years at ProCredit Bank, where he gained expertise in management and organizational development. 

Rodica Jalba

Chief Risk Officer

Rodica is responsible for coordinating risk management activities at Microinvest, overseeing credit risk monitoring processes, retail and business underwriting, as well as operational risks and AML compliance. She actively contributes to the development and strengthening of the company’s risk management and control framework. 

She has been part of the Microinvest team since January 2017 and has extensive experience in the financial and banking sector. 

Previously, Rodica worked for 12 years at ProCredit Bank, where she gained expertise in risk management and lending processes. 

Iulia Melentii

Chief Finance Officer

Iulia is responsible for coordinating financial activities at Microinvest, overseeing financial planning and analysis, accounting and reporting, financial risk management, fundraising, as well as ESG initiatives. She actively contributes to strengthening the company’s financial framework and supporting its sustainable development. 

She has been part of the Microinvest team since March 2026 and has extensive experience in the financial and audit sectors. 

Previously, Iulia worked for 4 years at maib, as part of the Finance Division and for over 7 years at KPMG Moldova and Romania, where she gained solid expertise in the financial field. She is a member of ACCA (Association of Chartered Certified Accountants). 

Serghei Cunetchi

Chief Business Officer

Serghei is responsible for coordinating business activities and developing the Business and Retail loan portfolio at Microinvest, overseeing the branch network, call center and marketing activities. He actively contributes to strengthening client relationships and supporting the company’s growth. 

He has been part of the Microinvest team since August 2017 and has extensive experience in the financial and banking sector, as well as business development. 

Previously, Serghei worked for 4 years at ProCredit Bank, where he gained expertise in lending and client relationship management. 

Andrei Zainulin

Chief Operational Officer

Andrei is responsible for coordinating operational activities and developing Microinvest’s operational infrastructure, overseeing IT, digitalization, administration and debt recovery processes. He actively contributes to optimizing internal processes and implementing solutions that support operational efficiency and the company’s development. 

He has been part of the Microinvest team since November 2022 and has extensive experience in the financial and banking sector, as well as operational management. 

Previously, Andrei worked for 3 years at AccessBank, 5 years at I.D. Inspiring Development, 2 years at Microinvest, and 11 years at ProCredit Bank, where he gained expertise in operational management. 

Our results
2025
Annual Report
2024
Annual Report
2023
Annual Report
2022
Annual Report
2021
Annual Report
2020
Annual Report
2019
Annual Report
2018
Annual Report
2017
Annual Report
2016
Annual Report
2015
Annual Report
2014
Annual Report
2013
Annual Report
2012
Annual Report
2011
Annual Report
2010
Annual Report
2009
Annual Report
2008
Annual Report
2007
Annual Report
2005
Annual Report
2004
Annual Report