Microloan Oila va yoshlar tadbirkori

Loan purpose:

Starting or expanding a family business, income-generating activities, and developing livestock farming, fish farming, poultry farming and crafts.

Loan amount:

Up to UZS 50 million.

Up to UZS 100 million – for building compact greenhouses of 10 sotkas (0.1 ha), organising fish farming, purchasing imported certified breeding livestock in mahallas specialising in livestock farming, and developing camel breeding.

For families in the “Family under state support” category – up to 75 BCA (base calculation amounts).

Loan term:

Up to 48 months – for family entrepreneurship, income-generating activities, livestock farming, fish farming, poultry farming and crafts.

Up to 84 months – for organising horticulture, viticulture and lemon growing, building greenhouses, and purchasing agricultural machinery and equipment.

Grace period:

Up to 12 months – for business activities.

Up to 36 months – for organising horticulture, viticulture and lemon growing, building greenhouses, and purchasing agricultural machinery and equipment.

For families in the “Family under state support” category – up to 12 months.

Interest rate:

17.5% per annum.

In districts and mahallas officially classified as being in the difficult category – 12% per annum.

Interest expenses on loans meeting the established conditions for families included in the Social Register and the “Family under state support” category are covered by state funds.

Loan application:

The loan is processed through the unified electronic platform for family entrepreneurship development programmes — Oilakredit.uz.

Disbursement of loan funds:

Loan funds may be transferred to the supplier, to the borrower’s bank card or, in cases provided for by law, issued in cash.

On the recommendation of the khokim’s assistant, part of the loan of up to UZS 10 million, and up to UZS 20 million for artisans, may be transferred to a specially opened bank card.

For families included in the Social Register:

A loan of up to UZS 15 million for a term of up to 60 months with a grace period of up to 24 months is provided for the purchase of one laptop.

A loan of up to UZS 30 million for a term of up to 60 months is provided for the purchase of small-scale production equipment, mobile retail outlets (food trucks), motor scooters, scooters and other fixed assets to start a business.

Interest expenses on these loans are covered by state funds. No additional interest or penalties are charged on overdue loans. Repayment is made on a declining balance schedule.

For families in the “Family under state support” category:

A loan of up to 75 BCA for a term of up to 4 years is provided to ensure the employment of able-bodied family members and to start or expand a business, including the purchase of livestock, poultry, rabbits, fish, bee colonies, mobile retail outlets, motor scooters, scooters and other fixed assets, as well as the construction of greenhouses.

The loan is provided with a grace period of up to 1 year and is transferred to the social card of a family member. Interest expenses are covered by state funds.