The State Program for the Development of Productive Employment and Mass Entrepreneurship «Enbek»

General terms and conditions of financing:

Nominal interest rate not more than 6.0% per annum (AERR from 6.2%)
Loan currency tenge
Loan term
  1. For investments – no longer than 60 months;
  2. For replenishment of circulating assets – no longer than 36 months.
Maximum financing term depends on the region.
Branches allowed for financing Loans are provided without branch restrictions.
Availability of the assigned code of Common Classifier of Economic Activity on the relevant site of the statistical bodies must be confirmed:
  • If the Final borrower’s Project – a new area of activity of the Final borrower – within 3 (three) months from the date of receipt of the Loan by the Final borrower under the Loan Agreement;
  • If the Final borrower’s Project – expansion of the Final borrower’s current activity – till the date of receipt of the Loan by the Final borrower under the Loan Agreement
Special conditions The following is mandatorily necessary:
  • Presence of the certificate of training in the field of the entrepreneurship basics,
  • No tax arrears,
  • Referral from the Employment Center.
More detailed information on the website of the “Damu” Foundation: The State Program for the Development of Productive Employment and Mass Entrepreneurship “Enbek” or contact 1408 of call center    

Additional conditions depending on the region of financing:

Parameter for Almaty for The North-Kazakhstan region for The East-Kazakhstan region
Maximum loan amount up to 8,000 MCI up to 6,500 MCI up to 6,500 MCI
Place of the project implementation Almaty Petropavlovsk Semei and Ust’-Kamenogorsk
Maximum financing term till 28.02.2025 till 15.01.2026 till 14.01.2026