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    SME support.

    With our guarantees entrepreneurs actively used loan resources of commercial banks for project implementation and further business development.

     From November 2016 and as of May 27, 2019, Guarantee Fund approved 836 guarantees in the amount of KGS 1.025 billion. The amount of guaranteed loans approved by partner banks reached KGS 3.541 billion.

    From the beginning of 2019, 180 guarantees were approved in the amount of KGS 270 million. The guaranteed loans amounted to KGS 789.3 million.

    Guarantee issue is performed in partnership with 11 commercial banks having in total more than 230 branches, and the RKDF. Despite the fact that among the partners of Guarantee Fund there are less than half of the capital banks, their share in the banking system is significant.

    So, as of April 1 of this year, the assets of the partner banks accounted for 69.5% of the assets of the banking system, capital – 65.1%, loan portfolio – 68.5%, profit – 102.9%, number of branches – 72.4% of the total branches of the banking system.

    In the Year of Regional Development, extensive outreach work is conducted both among local entrepreneurs and among employees of the branches of the partner banks. As a result, guarantees are issued in the most remote corners of the country.

    At present, Guarantee Fund has disbursed 61 percent of the loan from the RKDF (KGS 100 million) received last fall. 39 projects amounted to KGS 60.6 million received the guarantee support. The peculiarity of the RKDF loan is that it is targeted and is intended for the guarantee support to regional entrepreneurs.



    Consulting services.

    As it is known, one of the issues that prevent the full and progressive development of SMEs in the Kyrgyz Republic is the low level of the knowledge of entrepreneurs in the field of business organization, planning, financial issues, business risks and marketing and also lack of awareness of various instruments of financing entrepreneurial initiatives and possibilities of their use. The presence of such issues does not contribute to the successful development of regional entrepreneurs.

    OJSC “Guarantee Fund” (Guarantee Fund), the purpose of which is precisely to promote the entrepreneurship development, has identified consulting support to entrepreneurs as one of the priorities of its activities. What does Guarantee Fund today offer in the framework of consulting and information services? These are consultations on obtaining guarantees, preparation of business plans, raising funds (using various tools – lending, leasing, attracting direct investments, etc.), assistance in establishing enterprises or opening new directions in already existing enterprises.

    Guarantee Fund provides consulting services free of charge.

    In total, since the beginning of 2019, Guarantee Fund (including Bishkek and regional representative offices) provided consulting services to over 50 legal entities and individual entrepreneurs, five of them developed business plans on a contractual basis.

    During consultations entrepreneurs are provided with the necessary information, specific recommendations and, if necessary, a business plan is developed. Agricultural, processing and industrial enterprises in the regions of the Kyrgyz Republic and their growth and stable development contribute to the creation of new jobs and the maintenance of existing ones.