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Micro entrepreneurship

TERMS

Loan term

20 million tenge

Maximum amount

up to 20 million tenge

Purpose of loan

investments, replenishment of working capital

Subsidy size

final rate for the borrower 7-8%

REDUCE INTEREST RATE

Save your time and money, focus on development. Find out about subsidies of interest rate on online.damu.kz

ADVANTAGES OF PROGRAM

ASSISTANCE

Our managers will help you prepare your documents.

COMFORT

Apply for subsidy online from anywhere.

SPEED

The Fund will consider your application in a short period.

RELIABILITY

We have subsidized more than 17 000 projects.

Participants

For investment no more than 20 million tenge, for replenishment of working capital no more than 5 million tenge

Intended use

Investments; replenishment of working capital

Remuneration rate

Base rate of the National Bank of the Republic of Kazakhstan + 7%

Subsidy amount

final rate per borrower in cities: 8%

final rate per borrower for mono- and small towns, rural settlements, as well as for social entrepreneurship entities: 7%

for microloans with a rate of no more than 28%, the subsidy amount is 50%

Subsidy term

For investment – up to 3 years, for replenishment of working capital – up to 2 years

Counter obligation

for investment projects that include an increase in jobs for at least 1 person after 2 financial years from the date of provision of state support measures

CCEA

without industry restrictions, with the exception of trade*, real estate transactions (purchase, rental (sublease) of apartments/residential buildings/land plots for individual housing construction), purchase, rental and leasing of passenger cars 

List of priority types of economic activity

Code of the general classifier of types of economic activity

Name

1

2

1. In the manufacturing industry

10

Food production

11.06

Malt production

11.07

Production of soft drinks, mineral waters and other bottled waters

13

Textile production

14

Manufacture of clothing

15

Manufacture of leather and related products

16

Manufacture of wood and cork products, except furniture; production of straw products and weaving materials

17

Production of paper and paper products

18

Printing activities and reproduction of recorded information carriers

20

Production of chemical products

21

Manufacture of basic pharmaceuticals and pharmaceutical preparations

22

Manufacture of rubber and plastic products

23

Manufacture of other non-metallic mineral products

24

Metallurgical production*

25

Manufacture of finished metal products, except machinery and equipment

26

Manufacture of computers, electronic and optical equipment

27

Manufacture of electrical equipment

28

Manufacture of machinery and equipment not included in other groups

29

Manufacture of motor vehicles, trailers and semi-trailers

30

Manufacture of other transport vehicles

31

Manufacture of furniture

32

Manufacture of other finished goods

33

Repair and installation of machinery and equipment

2. Services and other activities

Agriculture, forestry and fisheries

01

Crop and livestock production, hunting and provision of services in these areas, with the exception of 01.11 "Growing of cereals (except rice), legumes and oilseeds"

03

Fishing and fish farming

Mining and quarrying

08.12.1

Development of gravel and sand quarries

09

Provision of services in the mining industry

Supply of electricity, gas, steam, hot water and air conditioning

35.11.2

Production of electrical oenergy by hydroelectric power plants

11/35/4

Electricity production by wind power plants

11/35/5

Electricity production by solar power plants

11/35/9

Electricity production by other power plants

Water supply; sanitation; waste collection, treatment and disposal, pollution control activities

38

Waste collection, treatment and disposal; recycling (recovery) of materials

39

Pollution control activities and other waste disposal services

Transport and warehousing

49.3

Other passenger land transport activities**

49.41

Freight road transport activities

50

Water transport activities

52

Cargo warehousing and auxiliary transport activities

Accommodation and food services

55.10

Provision of hotels and similar accommodation facilities

55.20

Provision of accommodation for weekends and other short-term stays***

55.30

Provision of campsites, caravan parks and trailer parks for accommodation

Information and communications

58

Publishing

59.14

Film screening activities

61

Telecommunications

62

Computer programming, consulting and other related services

Real estate transactions

68.20.8

Lease (sublease) and management of own or leased warehouse premises ****

Professional, scientific and technical activities

75

Veterinary activities

Education

85

Education

Healthcare and social services

86

Healthcare activities

87

Activities in the field of social services to the population with provision of accommodation

88

Activities in the field of social services to the population without provision of accommodation

Arts, entertainment and recreation

93.1

Activities in the field of sports

* except for the production of iron, steel and ferroalloys (general code classifier of types of economic activity (hereinafter referred to as OKED) "24.10"), nuclear fuel processing (OKED code "24.46"), cast iron casting (OKED code "24.51"), steel casting (OKED code "24.52");

** except for activities under OKED code 49.32 "Taxi activities" (except for "green" projects and projects aimed at acquiring passenger cars of domestic manufacturers worth no more than 10 (ten) million tenge per 1 (one) unit upon applications submitted before December 31 y 2024 inclusive);

except for buses (OKED code 49.31.1 "Transportation by buses", 49.31.9 "Transportation by other types of transport subject to a schedule") on diesel fuel in cities of republican significance;

*** except for apartments, flats and residential buildings;

**** this OKED provides for the lease of warehouse premises and warehouse sites.