ORDER OF THE MINISTER OF NATIONAL ECONOMY OF THE REPUBLIC OF KAZAKHSTAN

of September 30, 2021 No. 87

About modification and amendments in the order of the Minister of national economy of the Republic of Kazakhstan of November 27, 2018 No. 84 "About approval of Rules of crediting/microcredit in the cities and monotowns and Rules of guaranteeing on the credits/microcredits issued by the microfinancial organizations / banks of the second level in the cities"

I ORDER:

1. Bring in the order of the Minister of national economy of the Republic of Kazakhstan of November 27, 2018 No. 84 "About approval of Rules of crediting/microcredit in the cities and monotowns and Rules of guaranteeing on the credits/microcredits issued by the microfinancial organizations / banks of the second level in the cities" (it is registered in the Register of state registration of regulatory legal acts of the Republic of Kazakhstan for No. 17810) the following changes and amendment:

in Rules of crediting/microcredit in the cities and monotowns approved by the specified order:

in Item 2:

3) to state the subitem in the following edition:

"3) Participants of the Program are the jobless persons, separate categories of busy persons determined by the order of the Government of the Republic of Kazakhstan of April 11, 2019 No. 178 "About determination of separate categories of busy persons", youth, including the youth of category NEET, members of young and needy large families, needy able-bodied disabled people, agricultural cooperatives and their members who did not reach retirement age, stipulated in Item 1 article 11 of the Law of the Republic of Kazakhstan "About provision of pensions in the Republic of Kazakhstan" country and farms including participants of anchor cooperation;";

17) to state the subitem in the following edition:

"17) IFI – the legal entity, being the commercial organization which official status is determined by state registration in The Government for Citizens State corporation and passing of accounting registration, performing activities for provision of the microcredits, and also the additional types of activity permitted by the Law of the Republic of Kazakhstan "About microfinancial activities";";

state Item 18 in the following edition:

"18. Creditors carry out assessment of the potential business project, draw the conclusion and make the decision on opportunity or impossibility of issue of the credit/microcredit. At the same time self-employed, jobless, agricultural cooperatives and their members, the laid-off worker who did not reach retirement age, the stipulated in Clause 11 Laws of the Republic of Kazakhstan "About provision of pensions in the Republic of Kazakhstan" before application for the credit/microcredit receive the status of small business entity, including microentrepreneurship.";

in Rules of guaranteeing on the credits/microcredits issued by the microfinancial organizations / banks of the second level in the cities approved by the specified order:

state Items 1 and 2 in the following edition:

"1. These rules of guaranteeing on the microcredits issued by the microfinancial organizations / banks of the second level in the cities (further - Rules of guaranteeing) are developed within the State program of development of productive employment and mass entrepreneurship for 2017 - 2021 of Ekbek approved by the order of the Government of the Republic of Kazakhstan of November 13, 2018 No. 746 (further – the Program) and the Road map of the employment for 2020-2021 approved by the order of the Prime Minister of the Republic of Kazakhstan of March 27, 2020 No. 55-r (further – the Road map of employment) and determine procedure for guaranteeing by the credits/microcredits in the cities of the Republic of Kazakhstan.

2. Guaranteeing is the tool of financial support of subjects of private entrepreneurship and is used for expansion and ensuring access of the entrepreneurs to credit/microcredit resources financed within the Program and the Road map of employment.";

in item 4:

13) to state the subitem in the following edition:

"13) the microfinancial organization (further – IFI) – the legal entity, being the commercial organization which official status is determined by state registration in judicial authorities and passing of accounting registration, performing activities for provision of the microcredits, and also the additional types of activity permitted by the Law of the Republic of Kazakhstan "About the microfinancial organizations";";

state Item 6 in the following edition:

"6. The entrepreneurs obtaining the credits to relevant requirements of Rules of crediting/microcredit in the cities and monotowns approved by this order and the Road map of employment are allowed to participation in guaranteeing.";

state Item 12 in the following edition:

"12. The amount of the credit/microcredit(s) of MFO/BVU for one entrepreneur on whom guaranteeing is performed does not exceed:

in the cities, monotowns (except Nour-Sultan's cities, Almaty, Shymkent, Aktau, Atyrau) - to 6,5 of thousand monthly settlement indicators;

in Nour-Sultan's cities, Almaty, Shymkent, Aktau, Atyrau – to 8,0 of thousand monthly settlement indicators.

At the same time the amount of the credit/microcredit(s) is calculated for one entrepreneur without debt on the credit/microcredit(s) of persons, affiliirovanny with it. The credit / микрокредит is provided in tenge.";

add with Item 12-1 of the following content:

"12-1. The amount of the credit/microcredit(s) of IFI with participation of the state on one entrepreneur who is the graduate of the Bastau Business project on which guaranteeing is performed does not exceed:

in the cities, monotowns (except the cities of Shymkent, Aktau, Atyrau) - to 6,5 of thousand monthly settlement indicators;

in the cities of Shymkent, Aktau, Atyrau - to 8,0 of thousand monthly settlement indicators.

At the same time the amount of the credit/microcredit(s) is calculated for one entrepreneur without debt on the credit/microcredit(s) of persons, affiliirovanny with it. The credit / микрокредит is provided in tenge.";

state Item 13 in the following edition:

"13. For the beginning entrepreneur the size of guarantee constitutes up to 85% of the credit/microcredit amount (within the Road map of employment to 50% of the credit/microcredit amount), at the same time the beginning entrepreneur provides providing on the credit/microcredit (mortgage) cost in the amount of at least 15% of the credit/microcredit amount (within the Road map of employment at least 50% of the credit/microcredit amount). When calculating sufficiency of the amount of providing pledge of right to claim and pledge of shares in the authorized capital are not considered.

The affiliirovannost of the beginning entrepreneur with the acting entrepreneurs on condition of creation of the new type of activity different from the current activities of the acting affiliated entrepreneur is allowed (at the level of class of the general qualifier of types of economic activity).";

state Items 17 and 18 in the following edition:

"17. The cost of guarantee which is paid by MIO to the guarantor constitutes 30% of the guarantee amount.

18. In case of exceeding of the requirements of MFO/BVU of threshold paid by the guarantor over 10% of amount (debt remaining balance) of credit portfolio,

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