Credits

Microcredit «Mening mahallam»

from 26% to 28% per annum

Interest rate

up to 36 months

Credit term

up to 300 mln sum

Loan amount

General terms

Loan target

For the purpose of developing the activities of a self-employed individual

Loan currency

Sum

Loan amount

up to 300 mln sum

Interest rate

from 26% to 28% per annum

Credit term

up to 36 months

Loan processing method

Bank branch

Collateral

A pledge of liquid assets in an amount of at least 125% of the microloan amount, meeting the Bank’s requirements. For persons related to the Bank: collateral for the loans granted is accepted additionally in the amount established by the legislation of the Republic of Uzbekistan

Grace period

Repayment method

Differentiated, Annuity

Frequency of payments

Monthly

Borrower requirements

An individual who is a citizen of the Republic of Uzbekistan, registered as a self-employed person, and who has reached the age of 18

Loan Provision Order

By transferring funds to the seller's account

Required Documents

Identity document (passport, ID card, residence permit, etc.);
Self-employment certificate;
Documents ensuring the return of the loan;
To determine the value of the collateral, it is possible to use the report of an independent appraisal organization on the valuation of the collateral or the software of a consulting company that determines the market value in real time;
An act of preliminary monitoring of the pledged property with photographs of the property, drawn up by the Bank's credit manager (responsible employees);
Data of the Co-borrower/Customer (if necessary);
Document (or certificate) confirming payment of social tax;
Approved positive recommendation of the relevant assistant to the hokim for the allocation of a microloan is required;
Contract for the delivery/provision of services;
If necessary, other documents related to the implementation of the project.

Loan Service Fee

None

Additional Conditions

Interest rate: 26% per annum (for loan terms up to 12 months), 28% per annum (up to 36 months),
A portion of the loan interest, ranging from 4% to 6%, may be compensated (in accordance with the Master Agreement No. 1 dated February 27, 2026, concluded with JSC "Entrepreneurship Development Company")

Early repayment

It may be carried out at any time, in full or in part, depending on the client’s preferences

Insurance

Insurance policy issued by an insurance company: for the duration of the loan agreement, a collateral insurance policy is required