Loans provided under the “Every Family is an Entrepreneur” program
Based on the Resolution of the President of the Republic of Uzbekistan dated 07.06.2018 No. PQ-3777,
Resolution of the President of the Republic of Uzbekistan dated 20.12.2021 No. PQ-55,
Resolution of the President of the Republic of Uzbekistan dated 31.01.2023 No. PQ-39, and
Resolution of the President of the Republic of Uzbekistan dated 02.04.2024 No. PQ-149
| Loan Terms | |
| Interest rate | 17.5% |
| Loan term | From 3 to 7 years depending on the type of activity |
| Loan amount | Up to 33 million UZS for individuals |
| Up to 300 million UZS for legal entities | |
| Maximum loan amount | For small business entities in districts and cities – for projects with high efficiency and aimed at creating sustainable jobs – more than 300 million UZS can be provided from program resources based on the recommendation of the hokim’s assistant and the decision of the District (City) Family Entrepreneurship Support Center |
| Collateral requirements | No collateral required for individuals |
| For legal entities – in accordance with types of collateral specified in legislation | |
| Loan application method | Online via the oilakredit.uz platform |
| Grace period | From 6 months to 3 years depending on the type of activity |
Loans are fully digitized and issued through a unified electronic online platform (oilakredit.uz):
1. Loan applications are reviewed at all stages online (via oilakredit.uz) based on scoring analysis, and notifications of decisions at each stage are provided through the platform (via SMS, email, or personal account).
2. Loan documentation (client application, recommendation from the hokim’s assistant, loan agreement, sales contract, invoice, and act signed by the hokim’s assistant and mahalla banker) is generated electronically and signed remotely.
3. Loans are issued based on agreements with suppliers independently selected by the borrower through the “marketplace” system integrated into the platform.
Eligible sectors for loans:
- Sewing
- Greenhouse farming
- Gardening
- Beekeeping
- Poultry farming
- Self-employment (service sector)
- Rabbit breeding
- Fish farming
- Livestock farming
- Other sectors
