The economy of simple things

things (listed in the Resolution of the Government of the Republic of Kazakhstan No.820 dated 11 December 2018) contemplates subsidizing a portion of the interest rate, and guaranteeing, in the case of shortage of collateral

Business entity

Private business entities (individual entrepreneurs, small, medium-sized, and large businesses)

Permitted sectors

  • Manufacturing industry and services
  • Processing in the agro-industrial complex
  • Production in the agro-industrial complex

Purpose of projects

  • investments;
  • replenishment of working capital

Maximum amount per borrower

  • investments - no restrictions;
  • replenishment of working capital – up to 5 billion Tenge



Interest rate

the basic rate of NBRK + 4,5%, of 13,25% is subsidized by the state, and the difference is paid by the entrepreneur.

For projects in the production of the agro-industrial complex: 7% is paid by the entrepreneur, and the difference is subsidized by the state. (AEIR - at least of 23.80%)

Subsidy period

  • for investments – 5 years (priority sectors of the economy – 7 years), with no further prolongation of the subsidy period;
  • for replenishment of working capital – 3 years, without further prolongation of the subsidy period.

Guarantee term

Up to loan term

Guarantee size

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

For more information, visit the website of "Damu" Entrepreneurship Development Fund" JSC