Loan Purpose

Financing youth entrepreneurship projects.

Borrower

• Youth operating as individual entrepreneurs

• Youth engaged in dehkan farming and handicraft activities

• Self-employed youth paying social tax

Loan Amount

up to 100 million UZS

Interest Rate

Central Bank base rate + 4%

Loan Tenor

• up to 60 months — for the purchase of fixed assets

• up to 24 months — for working capital replenishment based on an open credit line, subject to full monthly repayment every 12 months

Grace Period

• up to 12 months — for the purchase of fixed assets, and up to 3 months — for interest payments

• up to 3 months — for working capital replenishment

Collateral

Insurance policy and third-party guarantee

Lending Areas

• Industry, services, trade and public catering, tourism, handicrafts, home-based work, jewelry, cultivation, storage and processing of agricultural products

• Establishment and expansion of entrepreneurial activities related to the construction of production facilities in modern shopping centers and adjacent areas

Special Conditions

• No negative credit history

• No overdue loan liabilities

Purpose of the Loan

Financing youth entrepreneurship projects

Borrowers

• Young individuals operating as sole proprietors

• Young individuals engaged in farming and handicraft activities

• Self-employed young individuals paying social tax

• Business entities operating as legal entities in which at least 50% of the charter capital is owned by youth at the time of loan issuance

Loan Amount

Up to 200 million UZS

Interest Rate

Central Bank base rate + 4%

Loan Tenor

Up to 60 months

Grace Period

Up to 12 months, including up to 3 months for interest payments

Collateral

Liquid collateral covering at least 125% of the loan amount

Loan Utilization Areas

Establishment of mobile or light-structure trade and service outlets along main and internal roads, in public areas (including parks, tourist destinations, gastronomic and creative streets), as well as the purchase of equipment and tools required to carry out these activities

Special Conditions

• Minimum business operation period of at least 6 months

• No negative credit history

• No overdue loan liabilities

Purpose of the Loan

Financing youth entrepreneurship projects

Borrowers

• Business entities operating as legal entities in which at least 50% of the charter capital is owned by youth at the time of loan issuance

• Small businesses registered as legal entities implementing projects that provide employment for youth in at least 50% of the newly created jobs

Loan Amount

Up to 2 billion UZS

Interest Rate

Central Bank base rate + 4%

Loan Tenor

• Up to 60 months — for the purchase of fixed assets

• Up to 12 months — for working capital financing

Grace Period

• Up to 12 months — for the purchase of fixed assets, including up to 3 months for interest payments

• Up to 3 months — for working capital financing

Collateral

Liquid collateral covering at least 125% of the loan amount

Loan Utilization Areas

• Business projects in manufacturing and service sectors

• Purchase of production equipment, construction works, acquisition of fixed assets (including under an “industrial mortgage” scheme), and formation of working capital

• Purchase of motor vehicles intended for commercial use

• Establishment of trade and service outlets

• Provision of vocational training and educational services for youth, including digital technologies and foreign languages

• Business projects in other areas not prohibited by applicable legislation

Special Conditions

• Minimum business operation period of at least 12 months

• Working capital turnover for the last 12 months ranging from 500 mln to 10 billion UZS

• (the loan amount shall be reduced proportionally based on the minimum required working capital of 500 mln UZS)

• No negative credit history

• No overdue loan liabilities

Purpose of the Loan

Financing youth entrepreneurship projects

Borrowers

Agricultural cooperatives in which more than two-thirds of the members are young people

Loan Amount

Up to 2,5B UZS

Interest Rate

Central Bank base rate + 4%

Loan Tenor

Up to 60 months

Grace Period

Up to 12 months, including up to 3 months for interest payments

Collateral

Liquid collateral covering at least 125% of the loan amount

Loan Utilization Areas

The loan is provided to agricultural cooperatives for the purchase of mini-tractors, cultivators, equipment for carrying out agrotechnical activities, sorting, storage, processing and packaging of agricultural products, as well as for the implementation of irrigation system projects

Special Conditions

• Provision of services to youth who have been allocated agricultural land in accordance with Presidential Decree of the Republic of Uzbekistan No. PP-153 dated April 5, 2024 “On measures to increase youth incomes and ensure employment through the allocation of land plots, as well as the development of new land areas”

• No negative credit history

• No overdue loan liabilities