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Loan product «Opportunity»

Loan product «Opportunity»

Credit products “Imkoniyat” are intended to support local businesses and entrepreneurs engaged in the production of import-substituting products for export, as well as the supply of equipment for the production of import-substituting products.

Request for a loan

Purpose Local enterprises and entrepreneurs focused on the production of import-substituting products, as well as the supply of equipment for the production of import-substituting products.
Minimum amount1,000 TJK
Maximum amount250 000 TJK
Minimum term3 months
Maximum time36 months
The grace periodAccording to the loan utilization plan, up to 6 months only on principal or in the middle of the loan schedule based on the cash flow of the business and seasonal factors.
Minimum contribution borrower30% of the value of non-performing instruments or budget development
GuaranteeGuarantee and a complete financial analysis of the guarantee in this product is required in accordance with the debt policy.
PledgeAccording to the credit policy of the organization
Credit interestannually 25% for businesswomen 26% businessmen
Loan repaymentMonthly, equal payments – annuities.
Repayment in full or in advanceAccording to the requirements of the NBT, a fine is not allowed but with the written request.
Credit analysis A thorough analysis of all types of clients is required.