Single comprehensive program

Single comprehensive program

The Damu Entrepreneurship Development Fund, a subsidiary of Baiterek Holding, is a state financial institution dedicated to supporting entrepreneurs in alignment with the "On rules of state financial support for economic sectors that are eligible for state support and where private business entities operate" mandate. The fund supports business entities through:

1. Subsidizing a portion of the interest rates and offering partial guarantees for loans/microloans aimed at small entities, including micro-enterprises.

2. Providing subsidy for a fraction of the interest rates and offering partial guarantees for loans/financial leasing agreements tailored for entrepreneurs, issued by second-tier banks/leasing companies.

3. Facilitating subsidy for the coupon rates and furnishing guarantees for bonds issued by business entities.


Conditions for subsidizing projects under the National Entrepreneurship Development Project for 2021-2025

Eligible entities

Small businesses, including micro-enterprises

Industry

STB loans are available to all industries except pawnshops, microfinance, factoring, and leasing companies. Additionally, trading activities are excluded, except for food product trade.

According to the list of priority sectors of the economy for microloans issued by microfinance organizations

Maximum loan amount

Investments up to 20 million tenge. Working capital replenishment up to 5 million tenge

Loan subsidy amount

The base rate of the National Bank of Kazakhstan + 7%, of which 8% is paid by the entrepreneur, and the rest is subsidized by the state

For projects implemented in villages, single-industry and small towns the base rate of the National Bank of Kazakhstan + 7%, of which 7% is paid by the entrepreneur, and the rest is subsidized by the state

Microloan subsidy amount

The remuneration rate is 28%, with subsidies covering 50%.

Loan term

1. Investments 3 years, with non-extendable subsidy period

2. Working capital replenishment – 2 years, with non-extendable subsidy period


Conditions for subsidizing projects of small and medium-sized businesses

Eligible entities

Entrepreneurs undertaking or intending to execute their own impactful projects in priority sectors of economic activity, regardless of their place of registration as outlined in the Priority Sectors List

Maximum loan amount

The loan amount for a single entrepreneur must not exceed 3 billion tenge. If multiple affiliated entrepreneurs receive a loan for a joint business project, the total amount cannot surpass 3 billion tenge

Subsidy amount

The base rate of the National Bank of Kazakhstan + 5%. Specifically:

·         For the first 3 years, the entrepreneur pays 8%, and the rest is subsidized by the state.

·         In the 4th year, the entrepreneur pays 9%, and the rest is subsidized by the state.

·         By the 5th year, the entrepreneur pays 10%, and the rest is subsidized by the state.

For the service and other sectors base rate of the National Bank of Kazakhstan + 5%, of which 9% is paid by the entrepreneur and the rest is subsidized by the state.

Loan term

1. For the manufacturing industry5 years, with non-extendable subsidy period.

2. For service provision and other types of activities3 years, with non-extendable subsidy period.

3. For working capital replenishment3 years, with non-extendable subsidy period.

Refinancing

Loans or leasing agreements with a duration of up to 2 years from the initial issuance date are eligible for refinancing.


Conditions for subsidizing projects of small, medium-sized and large businesses

Eligible entities

Entrepreneurs undertaking or intending to execute their own impactful projects in priority sectors of the economy, irrespective of their registration location, as outlined in the List of Economic Activities for manufacturing, electricity supply, gas, steam, air conditioning services, and mining industries.

Maximum loan amount

The loan amount for a single entrepreneur must not exceed 15 billion tenge. If multiple affiliated entrepreneurs receive a loan for a joint business project, the total amount cannot surpass 15 billion tenge.

Subsidy amount

The base rate of the National Bank of Kazakhstan + 5%. Specifically:

·         For the first 3 years, the entrepreneur pays 8%, and the rest is subsidized by the state.

·         In the 4th year, the entrepreneur pays 9%, and the rest is subsidized by the state.

·         By the 5th year, the entrepreneur pays 10%, and the rest is subsidized by the state.

For the service and other sectors base rate of the National Bank of Kazakhstan + 5%, of which 9% is paid by the entrepreneur and the rest is subsidized by the state.

The outlined subsidy procedure is applicable to projects listed under the Priority Economic Activities List. During the 6th and 7th years, entrepreneurs contribute 10%, with state subsidy covering the difference.

In the service sector and mining industry, the interest rate is set at the Base Rate of the National Bank of Kazakhstan + 5%. Entrepreneurs bear 9% of this rate, with the state subsidizing the remaining amount.

Loan term

1. For the manufacturing industry5 years, with non-extendable subsidy period
2. For services and the mining industry – 3 years, with non-extendable subsidy period 3. For working capital replenishment – 3 years, with non-extendable subsidy period

4. For industries from the Priority Economic Activities List 7 years, with non-extendable subsidy period


Conditions for subsidizing projects implemented in villages, single-industry and small towns

Eligible entities

Entrepreneurs undertaking or intending to execute their own impactful projects in priority sectors of the economy. Projects implemented in villages, single-industry and small towns. Cities and regional centers are not eligible for the program. Any industry is eligible. The place of implementation and the place of entrepreneur’s registration is taken into account.

Maximum loan amount

The total amount of a loan/financial leasing agreement for projects in villages, single-industry and small towns must not surpass 1.5 billion tenge per entrepreneur when considering all existing loans/leasing transactions.

Subsidy amount

The base rate of the National Bank of Kazakhstan + 5%. Specifically:

·         in the manufacturing industry, 7% is paid by the entrepreneur, and the rest is subsidized by the state

·         in service sectors and other activities, 10% is paid by the entrepreneur, and the rest is subsidized by the state

Loan term

1. Investments 5 years, with non-extendable subsidy period

2. Working capital replenishment – 3 years, with non-extendable subsidy period

Refinancing

Loans or leasing agreements with a duration of up to 2 years from the initial issuance date are eligible for refinancing.


Conditions for subsidizing social entrepreneurship entities

Eligible entities

Social entrepreneurship entities operating in any industry and regardless of their registration or implementation location

Maximum loan amount

1.5 billion tenge for one social entrepreneurship entity. This amount is calculated without taking into account debt under a loan/financial leasing agreement of affiliated/related persons/companies

Subsidy amount

Base rate of the National Bank of Kazakhstan + 5%, of which 7% is paid by the social entrepreneur, and the rest is subsidized by the state

Loan term

1. Investments 5 years, with non-extendable subsidy period

2. Working capital replenishment – 3 years, with non-extendable subsidy period

Refinancing

Loans or leasing agreements with a duration of up to 2 years from the initial issuance date are eligible for refinancing.


Conditions for subsidizing regional projects of small and medium-sized private businesses under the National Project for Entrepreneurship Development for 2021-2025

Eligible entities

Subsidies under the Regional program are implemented in socially vulnerable regions, during states of emergency, or in other cases as stipulated by a written agreement between the local executive body and the authorized entrepreneurship entity.

The subsidy terms in socially vulnerable regions or during states of emergency are determined through written agreement between the local executive body and the authorized entrepreneurship entity.

Industry

Any industry

Maximum loan amount

The loan amount eligible for partial interest rate subsidy is limited to 500 million tenge per small and medium-sized enterprise, as specified in a written agreement between the financial agency and the local executive body. This calculation excludes debts from loans associated with affiliated persons or entities.

The maximum financing limit for a microfinance organization per small and medium-sized enterprise is capped at 8,000 (eight thousand) MCI.

Subsidy amount

Subsidies are exclusively granted for loans/microcredits bearing a nominal interest rate not exceeding 8.5%. Small and medium-sized enterprises cover the disparity in accordance with a written agreement between the financial agency and the local executive body. Additionally, SMEs are required to pay a remuneration rate of at least 1% per annum.

Loan term

The subsidy period for loans/microcredits is set at 5 years. For loans/microcredits designated for replenishing working capital, the subsidy period is fixed at 3 years without the option to extend.


Conditions for subsidizing part of the coupon rate

Eligible entities

Small or medium-sized businesses operating in any industry (excluding trading activities, except for replenishing working capital, and activities specified in paragraph 4 of Article 24 of the Code), as well as individual business entities issuing financial instruments in the form of bonds in accordance with the Civil Code of the Republic of Kazakhstan

Maximum  amount

The total nominal value of the issuer's bonds eligible for partial coupon rate subsidy cannot surpass 5 billion tenge per issuer

Subsidy amount

Base rate of the National Bank of Kazakhstan + 5%, of which 6% is paid by the entrepreneur, and the rest is subsidized by the state

Subsidy period

The subsidy period for partially subsidizing the coupon rate on bonds is 5 years, capped at the duration of the bonds' circulation period

Currency

tenge


Conditions for providing partial portfolio guarantees on loans/microloans for small businesses, including micro-enterprises

Eligible entities

Small businesses, including micro-enterprises

Industry

Any industry, except for trading (trading in food products is permitted), transactions involving real estate (such as purchase or lease of apartments, residential buildings, or land for individual housing construction), as well as the purchase, rental, and leasing of passenger cars (except for "green" projects and domestically manufactured cars priced at no more than 10 million tenge per unit).

For microloans issued by microfinance organizations according to the Priority Sectors List

Maximum loan amount

For investments – up to 20 million tenge; for working capital replenishment – up to 5 million tenge

Remuneration rate

The base interest rate established by the National Bank of Kazakhstan and increased by no more than 7%.

For microloans issued by microfinance organizations – up to 28%

Guarantee amount

Up to 85%

Guarantee period

Must not exceed the term of the loan/microloan/financing


Conditions for guaranteeing projects of small and medium-sized businesses

Eligible entities

Small and medium-sized businesses

Maximum loan amount

For investments – up to 1.5 billion tenge; for working capital replenishment – up to 500 million tenge

Remuneration rate

The base interest rate set by the National Bank of Kazakhstan and increased by no more than 5%.

Guarantee period

Must not exceed loan term

Maximum guarantee amount

50% of the loan amount of up to 1.5 billion tenge

OKED (National Register of Activities)

According to the list, except for activities involving real estate (such as purchase or lease of apartments, residential buildings, or land for individual housing construction), as well as the purchase, rental, and leasing of passenger cars (except for "green" projects and domestically manufactured cars priced at no more than 10 million tenge per unit).

Permitted activities include the construction and expansion of shopping centers, retail facilities, and multifunctional complexes engaged in retail operations (excluding shopping centers) with an area of at least 1000 sq.m. Additionally, the reconstruction of premises for retail space within shopping centers and shopping and entertainment centers with an area of at least 1000 sq.m. is allowed.

Maximum guarantee amount for financial leasing

Must not surpass 50% of the leased item's value

Processing time


For loans up to 750 million tenge – within 5 working days

For loans exceeding 750 million tenge – within 10 working days

For novice entrepreneurs


Loan amount: 360 million tenge

Guarantee period: must not exceed loan term

Maximum guarantee amount: 85% of the loan amount of 360 million tenge


Conditions for guaranteeing projects of small, medium-sized and large businesses

Eligible entities

Small, medium-sized and large businesses

Industry

According to the list, except for activities involving real estate (such as purchase or lease of apartments, residential buildings, or land for individual housing construction), as well as the purchase, rental, and leasing of passenger cars (except for "green" projects and domestically manufactured cars priced at no more than 10 million tenge per unit).

Maximum loan amount

3,5 billion tenge, for working capital replenishment – 1 billion tenge

Remuneration rate

The base interest rate set by the National Bank of Kazakhstan and increased by no more than 5%.

Guarantee amount

50% of the loan amount of up to 3.5 billion tenge

Guarantee period

Must not exceed loan term

Processing time

For loans up to 750 million tenge – within 5 working days

For loans exceeding 750 million tenge – within 10 working days


Conditions for guaranteeing projects implemented in villages, single-industry and small towns

Eligible entities

Small and medium-sized businesses

Industry

Any industry, except for activities involving real estate (such as purchase or lease of apartments, residential buildings, or land for individual housing construction), as well as the purchase, rental, and leasing of passenger cars (except for "green" projects and domestically manufactured cars priced at no more than 10 million tenge per unit).

Maximum loan amount

For investments – up to 1.5 billion tenge; for working capital replenishment – up to 500 million tenge

Remuneration rate

The base interest rate set by the National Bank of Kazakhstan and increased by no more than 5%.

Guarantee amount

50% of the loan amount of up to 1.5 billion tenge

Guarantee period

Must not exceed loan term

Processing time

For loans up to 750 million tenge – within 5 working days

For loans exceeding 750 million tenge – within 10 working days

For novice entrepreneurs

Loan amount: 360 million tenge

Guarantee period: must not exceed loan term

Maximum guarantee amount: 85% of the loan amount of 360 million tenge


Conditions for guaranteeing social entrepreneurship projects

Eligible entities

Small and medium-sized businesses

Industry

Any industry, except for activities involving real estate (such as purchase or lease of apartments, residential buildings, or land for individual housing construction), as well as the purchase, rental, and leasing of passenger cars (except for "green" projects and domestically manufactured cars priced at no more than 10 million tenge per unit).

Maximum loan amount

For investments – up to 1 billion tenge; for working capital replenishment – up to 500 million tenge

Remuneration rate

The base interest rate set by the National Bank of Kazakhstan and increased by no more than 5%.

Guarantee amount

Up to 50% of the loan amount of up to 1 billion tenge

Guarantee period

Must not exceed loan term

Processing time

For loans up to 750 million tenge – within 5 working days

For loans exceeding 750 million tenge – within 10 working days

For novice entrepreneurs

Loan amount: 360 million tenge

Guarantee period: must not exceed loan term

Maximum guarantee amount: 85% of the loan amount of 360 million tenge


Conditions for guaranteeing projects implemented in stock exchange

(Guarantee rules for bonds issued by business entities)

Eligible entities

Small and medium-sized businesses

Industry

According to the list, except for activities involving real estate (such as purchase or lease of apartments, residential buildings, or land for individual housing construction), as well as the purchase, rental, and leasing of passenger cars (except for "green" projects and domestically manufactured cars priced at no more than 10 million tenge per unit).

Total nominal value of the bond issuance

Up to 5 billion tenge for an issuer

Remuneration rate

The base interest rate set by the National Bank of Kazakhstan and increased by no more than 5%.

Guarantee amount

50% of the bond issue volume, capped at a maximum of 2.5 billion tenge per issuer

Guarantee period

Up to 5 years, but not exceeding the maturity of the bonds

Documentation

·         Joint order of the ministries "On the approval of rules and forms of state financial support, and sectors of the economy eligible for state support by private business entities," registered under No. 33681 on November 27, 2023, in the Register of State Registration of Normative Legal Acts.

·         Government of the Republic of Kazakhstan Decree No. 820 dated December 11, 2018, "On certain matters regarding the provision of long-term tenge liquidity to address the issue of accessible lending."


Implementation of the Unified Integrated Program



Subsidizing projects in all industries from 01.01.2024 y. tо 01.05.2024 y.

Amount

REGION

National Project

Single comprehensive program

Portfolio Subsidy

LSPP

TOTAL

Abay region

27

60

1

88

Akmola region

42

65

107

Aktobe region

177

112

4

1

294

Almaty region

182

28

2

212

Atyrau region

114

48

162

East Kazakhstan region

42

50

1

93

Almaty

127

128

3

3

261

Astana

114

119

1

5

239

Shymkent

58

133

3

2

196

Zhambyl region

70

101

3

3

177

Zhetisy region

50

32

3

1

86

West Kazakhstan region

69

62

4

135

Karaganda region

86

61

147

Kostanay region

72

44

1

5

122

Kyzylorda region

60

123

1

1

185

Mangistau region

106

109

3

1

219

Pavlodar region

79

95

2

176

North Kazakhstan region

20

51

71

Turkestan region

119

89

3

1

212

Ulytau region

28

23

51

Total

1642

1533

25

33

3 233

Amount of the loan in billion KZT

REGION

National Project

Single comprehensive program

Portfolio Subsidy

LSPP

TOTAL

Abay region

1.6

4.3

0.000

0.5

6.3

Akmola region

7.1

4.5

0.000

0.0

11.6

Aktobe region

15.2

5.5

0.043

0.0

20.7

Almaty region

24.8

5.7

0.000

1.1

31.6

Atyrau region

8.7

2.4

0.000

0.0

11.1

East Kazakhstan region

2.4

3.3

0.000

3.0

8.7

Almaty

23.1

20.1

0.028

3.9

47.1

Astana

15.0

9.7

0.019

3.1

27.8

Shymkent

5.4

10.2

0.032

0.8

16.3

Zhambyl region

4.2

6.5

0.048

3.1

13.8

Zhetisy region

2.4

2.8

0.032

0.9

6.1

West Kazakhstan region

4.4

6.3

0.000

1.8

12.6

Karaganda region

11.0

4.4

0.000

0.0

15.4

Kostanay region

6.4

4.8

0.005

2.6

13.9

Kyzylorda region

2.8

7.1

0.020

0.0

9.9

Mangistau region

8.8

7.9

0.033

0.0

16.8

Pavlodar region

5.1

7.3

0.000

18.2

30.6

North Kazakhstan region

1.3

3.1

0.000

0.0

4.4

Turkestan region

11.8

5.8

0.035

0.2

17.8

Ulytau region

1.9

0.9

0.000

0.0

2.8

Total

163.1

122.7

0.294

39.2

325.3

Project guaranteeing from 01.01.2024 y. to 01.05.2024 y.

Region

Number of signed guarantees

Total loan amount, tenge

Total amount of guarantees, tenge

Akmola region

34

2 492 427 000

1 178 211 971

Aktobe region

113

4 376 133 636

1 871 543 461

Almaty region

56

5 677 747 340

2 669 441 268

Atyrau region

42

2 426 911 644

816 048 808

East Kazakhstan region

38

4 159 458 000

1 649 977 514

Zhambyl region

48

2 629 538 133

1 084 027 965

West Kazakhstan Region

50

4 607 240 000

2 037 577 048

Karaganda region

24

1 958 544 040

952 467 585

Kostanay region

59

3 284 437 900

1 335 462 206

Kyzylorda region

67

2 538 691 141

1 070 337 817

Mangistau region

56

2 389 550 000

824 732 538

Pavlodar region

73

6 528 596 000

3 170 498 076

North Kazakhstan region

24

1 586 150 000

805 970 355

Turkestan region

53

3 728 948 242

1 330 557 494

Shymkent

43

2 574 150 000

1 054 582 315

Astana

79

6 811 116 500

2 861 252 388

Almaty

62

6 573 200 000

3 498 074 478

Abay region

43

2 357 500 000

1 049 007 326

Zhetysu region

29

2 117 750 000

908 066 390

Ulutau region

19

750 500 000

287 366 786

Total

1 012

69 568 589 576

30 455 203 787

 

For more information on the Program's implementation results, please visit this link: https://damu.kz/poleznaya-informatsiya/reports/dkb-2025/month/

 

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