"Kelajakka qadam" loans
Financing entrepreneurial projects of university graduates and young people, as well as enterprises that provide them with jobs
Loan terms
Credit purpose | Financial support for business ideas of self-employed and young graduates starting their own business |
Credit recipient | Self-employed youth and graduates under 31 years of age |
Credit amount | up to 20 million soums |
Percentage rate | Central bank main rate + 1 % |
Credit deadline | Up to 18 months |
Privileged period | Up to 6 months |
Credit source | Fund of Reconstruction and Development |
Collateral supply | Insurance company policies for loan default risk |
Special conditions | - No negative credit history; - The applicant must be an individual between the ages of 18 and 31 at the time of the loan application. |
Stop factors | 1. Negative credit history 2. Existence of overdue credit debt |
Loan terms
Credit purpose | Financing entrepreneurial projects of graduates and young people who have the necessary business skills and want to start an independent business as a business entity |
Credit recipient | - Graduates of higher education institutions operating as sole proprietors, as well as young people - Legal entities whose founder or director is a graduate of a higher education institution or a young person |
Credit amount | Up to 300 million soums |
Percentage rate | Central bank main rate + 1 % |
Credit deadline | Up to 60 months for the purchase of fixed assets Up to 36 months for working capital |
Privileged period | Up to 12 months for the purchase of fixed assets Up to 6 months for working capital |
Credit source | Fund of Reconstruction and Development |
Collateral supplies | a) for loans up to 100 million soums - an insurance policy b) for loans over 100 million soums - liquid collateral |
Special conditions | - Participation of individual entrepreneurs and graduates of higher education institutions who are forming a legal entity, as well as young people, in the "Kelajakka Qadam" program - No negative credit history - The graduate must have graduated from university no more than five years ago - The debtor (young entrepreneur) must be an individual who has reached the age of 18 and is no older than 31 on the loan application date |
Stop factors | 1. Negative credit history 2. Existence of overdue credit debt |
Loan terms
Credit purpose | Financing entrepreneurial projects of students and young people who have started their own businesses and are seeking to expand their activities as entrepreneurs |
Credit recipient | - Graduates of higher education institutions operating as sole proprietors, as well as young people - Legal entities whose founder or director is a graduate of a higher education institution or a young person |
Credit amount | Up to 2 billion soums |
Limit amount | Without taking into account the client's existing credit debt |
Percentage rate | Central bank main rate + 1 % |
Credit deadline | Up to 84 months for the purchase of fixed assets Up to 36 months for working capital |
Privileged period | Up to 24 months for the purchase of fixed assets Up to 6 months for working capital |
Credit source | Fund of Reconstruction and Development |
Collateral supply | Liquid collateral covering 125% of the loan amount |
Special conditions | - Participation of individual entrepreneurs and graduates of higher education institutions who form a legal entity in the "Kelajakka Qadam" program - No negative credit history - Creation of at least two jobs - Graduates must have graduated from university no more than five years ago - The debtor (young entrepreneur) must be an individual who has reached the age of 18 and is no older than 31 on the loan application date |
Stop factors | 1. Negative credit history 2. Existence of overdue credit debt |
Loan terms
Credit purpose | Financing of entrepreneurial projects in the field of production and provision of services of business entities that have hired graduates of higher education institutions and young people under the age of thirty-one |
Credit recipient | Business entities that hire graduates of higher education institutions or young people |
Credit amount | Up to 10 billion soums |
Limit amount | Without taking into account the client's existing credit debt |
Percentage rate | Central bank main rate + 1 % |
Credit deadline | Up to 84 months for the purchase of fixed assets Up to 36 months for working capital |
Privileged period | Up to 24 months for the purchase of fixed assets Up to 6 months for working capital |
Credit source | Fund of Reconstruction and Development |
Collateral supply | Liquid collateral covering 125% of the loan amount |
Separately conditions | - If the employment contract between a graduate (or young man) or young person (or young men) for whom the business entity received a preferential loan is terminated within two years, the interest rate on the loan will be adjusted to the commercial rate from the date of termination of the employment contract, unless another graduate (or young man) or young person (or young men) is hired within one month to replace the employee (or young man); - Availability of account turnover; - Participation of the project initiator with a stake of at least 30 percent |
Stop factors | 1. Negative credit history 2. Existence of overdue credit debt |
