The "Іsker" program

"Program for the Development of Productive Employment and Mass Entrepreneurship for 2017-2021"

Characteristics of terms of credit

Credit terms

Sales chanel



Target group


Crediting of CP / MFOs for subsequent financing of final borrowers of CT / MFOs for:

-  production and processing of agricultural products;

- lending to agricultural cooperatives aimed at organizing service and procurement services for meat, dairy and horticultural products;

-  non-agricultural business in rural areas.




from 500 000 tenge to 25% of the Corporation's own capital, but not more than the amount of the risk limit for CT / MFIs established by the decision of the AB (for final borrowers - up to 8,000 (eight thousand) MCI, set for the current year)

Interest rate

2% per annum (for final borrowers - no more than 6% per annum (AEIR - from 6% per annum)

Credit line / credit term

-         up to 60 months, but not more than the period stipulated in the agreement / loan agreement;

-        for livestock projects and for lending to agricultural cooperatives - up to 84 months, but no more than the period stipulated in the loan agreement / agreement.

The grace period for the repayment of PD and remuneration

up to 1/3 of the crediting period, but no more than the period stipulated in the agreement / loan agreement with the LAB


1. According to the Collateral  Policy.

2. Provision from CP is not required for that part of the financing, where the guarantee for the projects of the ultimate borrowers of CP is the guarantee of "KazAgroGarant" JSC.

1. According to the CollateraL Policy.

2. The guarantee of the RIC, while the restrictions set by the Security Policy do not apply to this program.

3. No collateral if the following requirements are met:

- availability of the "High Reliable" or "Reliable" rating according to the Methodology for determining the MFI rating;

- own capital must be at least 50,000,000 (fifty million) tenge;

- the ratio of provisions to the loan portfolio overdue for more than 90 days should be at least 0.8;

- coefficient of the maximum limit of total liabilities k3 taking into account newly requested financing should not exceed 5;

- Carrying out the main activity for at least 2 (two) years preceding the submission of the application (it is allowed to finance MFOs that carry out the main activity for at least 1 (one) year before the application is filed, provided the Corporation conducts an audit of MFO business processes);

- availability of audited financial statements for the previous reporting year, compiled by audit organizations;

- availability of guarantee of founders, except for state / non-profit organizations.




Letter from the Kazakhstan Association of Appraisers

Letter from the Chamber of professional appraisers in the north-Kazakhstan region


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