Информация о гарантировании

The sole shareholder of JSC Fund for Financial Support of Agriculture (hereinafter - the Company) - the Management Board of JSC National Management Holding KazAgro on July 31, 2019 decided to reorganize JSC KazAgroGarant by merging with the Company from September 1, 2019. Thus, from this day on, the Company has been carrying out activities to guarantee under the State Program for the Development of Productive Employment and Mass Entrepreneurship for 2017-2021 "Enbek" (hereinafter - the Program).

In accordance with the Program, the Company provides guarantees for loans / microcredits issued by microfinance organizations and credit partnerships in rural areas and small towns.

Entrepreneurs who receive loans / microcredits through MFOs / KTs within the framework of programs implemented at the expense of the republican budget, the National Fund of the Republic of Kazakhstan, the Unified Accumulative Pension Fund, regional akimats and Agrarian Credit Corporation are allowed to participate in the guarantee.

The nominal interest rate on loans / microcredits of MFO / CT, for which the guarantee is carried out, cannot be higher than the base interest rate established by the National Bank of the Republic of Kazakhstan and increased by 6 (six) percentage points as of the date of the decision of the MFO / CT on the Participant's project (by July 31, 2020 - 15.0% per annum).

The maximum amount of a loan / microcredit subject to guarantee should not exceed 8,000 MCI, which for 2020 is 22.2 million tenge.

The amount of the guarantee for a beginner / young entrepreneur cannot be higher than 85% of the loan / microcredit amount. The remaining percentage of the loan / microcredit amount not secured by a guarantee is provided with collateral from the Participant and / or third parties.

For an active entrepreneur and a participant in anchor cooperation, the period of state registration of which with the tax authorities in accordance with the tax legislation of the Republic of Kazakhstan is more than three years at the time of applying to the MFO / CT for a loan / microcredit, the amount of the guarantee cannot be more than 50% of the loan amount / microcredit.

The guarantee for the guarantors is provided free of charge.

In 2017 - 2020 agreements of guarantees were concluded for a total amount of 3,945 million tenge, including:

- in 2017 - 248 contracts in the amount of 981 million tenge;

- in 2018 - 553 contracts for the amount of KZT 1,615 million;

- in 2019 - 341 contracts for the amount of 1,073 million tenge.

- in the first half of 2020 - 75 contracts in the amount of 276 million tenge.

Table 1. Guarantee (6 months 2020).

Branch

Accepted applications

Under consideration

Approved but not issued

Issued guarantees

Rejected

Amount

Sum, million tenge

Amount

Sum, million tenge

Amount

Sum, million tenge

Amount 

Sum, million tenge

Кол-во

Sum, million tenge

1

Akmola

11

39,4

1

2,9

10

36,6

2

Aktobe

5

28,6

3

16,6

2

12,0

3

Almaty

3

14,1

2

10,0

1

4,1

4

Atyrau

3

12,2

1

6,0

2

6,2

5

EKR

7

27,7

5

14,7

1

3,0

1

10,0

6

Jambyl

4

10,2

3

7,1

1

3,1

7

WKR

13

61,7

1

3,2

12

58,5

8

Karaganda

7

23,8

3

12,0

4

11,8

9

Kostanay

4

27,7

1

11,0

1

5,0

2

11,7

10

Kyzylordinskaya

16

92,4

2

16,0

9

37,8

5

38,6

11

Mangystau

8

13,8

8

13,8

12

Pavlodar

6

28,7

6

28,7

13

NKR

12

37,3

3

10,6

7

25,3

2

1,4

14

Turkestan

23

61,7

3

10,7

20

51,0

 

TOTAL

122

479,1

5

37,0

39

155,1

75

275,7

3

11,4