Loan purpose

Financing business ideas of final-year students in higher education institutions

Borrower

Graduates of higher education institutions who are self-employed and pay social tax

Loan ammount

Up to 10 mln sums

Interest rate

21 %

Loan term

Up to 18 months

Grace period

Up to 3 months

Credit source

Bank's capital

Collateral

Insurance company's loan default risk policy

Stop factors

• Existence of a negative credit history

• Presence of overdue credit debt

Loan purpose

Funding for entrepreneurial projects of final-year students in higher education institutions

Borrower

• Graduates of higher education institutions operating as individual entrepreneurs

• Legal entities founded or headed by a graduate of a higher education institution

Loan ammount

Up to 300 million soums

Interest rate

Central bank's base rate + 4%

Loan term

• Up to 84 months for the acquisition of fixed assets

• Up to 36 months to replenish working capital

Grace period

• Up to 24 months for the acquisition of fixed assets

• Up to 6 months to replenish working capital

Collateral

• for loans up to 50 million soums - insurance policy

• liquid collateral for loans exceeding 50 million soums

Mandatory requirements

• The participants of the «Yangi kelajakka qadam» program can be: graduating students of higher educational institutions who are individual entrepreneurs and legal entities.

Stop factors

• Presence of a negative credit history

• Presence of overdue credit debt

Loan purpose

Financing of entrepreneurial projects of graduating students of higher educational institutions

Borrower

• Graduates of higher educational institutions carrying out activities as individual entrepreneurs

• Legal entities whose founder or head is a graduate of a higher educational institution

Loan ammount

Up to 1 billion soums

Interest rate

Central bank's base rate + 4%

Loan term

• Up to 84 months for the acquisition of fixed assets

• Up to 36 months to replenish working capital

Grace period

• Up to 24 months for the acquisition of fixed assets

• Up to 6 months to replenish working capital

Collateral

Liquid collateral covering 125% of the loan amount

Mandatory requirements

• The participants of the «Yangi kelajakka qadam» program can be: graduating students of higher educational institutions who are individual entrepreneurs and legal entities

• Create at least 4 job positions

Stop factors

• Presence of a negative credit history

• Presence of overdue credit debt

Purpose of the Loan

Financing entrepreneurial projects in the production and service sectors implemented by enterprises and organizations that have established dual education programs with technical colleges

Borrower

Enterprises and organizations that have established dual education programs with technical colleges

Credit Amount

Up to 5 billion UZS

Interest Rate

Central Bank base rate + 4%

Loan Term

• Up to 84 months for purchasing fixed assets

• Up to 36 months for replenishing working capital

Grace Period

• Up to 24 months for purchasing fixed assets

• Up to 6 months for replenishing working capital

Source of Financing

Reconstruction and Development Fund

Collateral Requirements

Liquid collateral covering 125% of the loan amount

Special Conditions

For every amount of up to 1 billion UZS, the borrower must:

• Engage at least 5 students in a two-year dual education program, and

• Provide employment to at least 1 graduate for one year.

(If these conditions are not met, the loan interest rate will be converted to a commercial rate.)

Stop Factors

 1. Negative credit history

 2. Existing overdue loan obligations