Micro-loans: take money while we give!
"Atameken" started to give loans to small businesses of Almaty, Aktobe and Kyzylorda regions
Lending is provided from the borrowed money of JSC "Holding Group" Almex ", of which NCE allocates 300 million tenge for each region.
Loan Operator in Almaty and Aktobe regions is JSC "Fund for Financial Support of Agriculture".
In Almaty the amount of micro-loans is 600 million tenge, of which 300 million are provided by NCE and the same amount is granted by Akimat.
Aktobe region has 900 million tenge, 300 million tenge is allocated by each party: NCE, Regional Akimat and Fund for Financial Support of Agriculture.
Almaty and Aktobe entrepreneurs will be able to get loans in the amount of 500 thousand to 16 968 thousand tenge, at the interest rate of 6%. Loan term up to 4.5 years.
Kyzylorda businessmen will be financed through the microfinance organization "Regional investment center" Kyzylorda". 660 million tenge is allocated for loans, of which 300 million tenge is granted by NCE and 360 million tenge is allocated by regional Akimat.
Entrepreneurs in the region have the opportunity to get a loan of up to 15 million tenge, at the interest rate to 7%. Loan term - up to 5 years.
Loans are awarded for the development of entrepreneurial activity in the villages, mono - and small towns.
At the same time, as it was noted by NCE, loans are not available for consumer purposes, repayment of previous loans, refinancing of outstanding loans, the purchase of residential property, land and trade.
For getting a loan it is necessary to the Center for Servicing Entrepreneurs or the Chamber of entrepreneurs in the area.
Experts will give advice on getting a loan and will assist in collecting documents.
Information on lending conditions
|
# |
Name |
Almaty region |
Aktobe region |
Kyzylorda region |
|
1 |
Operator |
JSC "Fund for Financial Support of Agriculture" (FFSA) |
JSC "Fund for Financial Support of Agriculture" |
LLP "microfinance organization" Regional investment center "Kyzylorda" (RIC) |
|
2 |
Source of financing |
NCE - 300 million KZT |
NCE - 300 million KZT |
NCE - 300 million KZT |
|
Akimat - 300 million KZT |
Akimat - 300 million KZT |
Akimat - 300 million KZT |
||
|
|
FFSA- 300 million KZT |
|
||
|
3 |
Amount granted by NCE |
50 million KZT |
50 million KZT |
50 million KZT |
|
conditions of lending for an end-borrower |
||||
|
1 |
Potential borrowers |
peasant farms, individual entrepreneurs and legal entities which are small businesses |
||
|
2 |
Special purpose |
development of all types of business activities in rural areas, mono - and small towns of the region. Loans are not available for consumer purposes, repayment of previous loans, refinancing of outstanding loans, the purchase of residential property, land and trade. |
||
|
3 |
Amount of loan |
from 500 thousands to 16 968 thousands tenge |
from 500 thousands to 16 968 thousands tenge |
Up to 15 million tenge |
|
4 |
Interest rate on loans |
6 % per annum |
6 % per annum |
7 % per annum |
|
5 |
Loan period |
Up to 4,5 |
Up to 4,5 |
Up to 5 |
|
6 |
Grace period for repayment of remuneration |
Up to 6 months |
Up to 6 months |
Up to 6 months |
|
7 |
The grace period on repayment of principal |
no more than 1/3 of the duration of the loan period |
no more than 1/3 of the duration of the loan period |
|
|
8 |
Collateral |
movable / immovable property, land, vehicles, agricultural machinery, equipment, warranties, guarantees from third parties. |
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Гусев О. И.
Администратор
Рассмотрев Ваш вопрос касательно предоставления кредитов для предпринимателей Карагандинской области, за счет денег представленных АО «Холдинговая группа «АЛМЭКС» сообщаем следующее.
АО «Холдинговая группа «АЛМЭКС» предоставила займ Национальной палате для последующего кредитования Алматинской, Актюбинской, Кызылординской и Мангистауской областей.
Национальная палата денежными средствами для финансирования предпринимателей Карагандинской области не располагает.
В случае определения инвестора, Национальная палата готова проработать с Акиматом Карагандинской области возможность кредитования субъектов малого предпринимательства.