Large-scale reforms are being carried out in our country aimed at developing entrepreneurship, creating favorable conditions for doing business, being intolerant of any obstacles to entrepreneurial activity, and increasing investment attractiveness.
As a result of the high attention paid by the head of our state to the sphere, the number of people who want to become entrepreneurs has begun to increase. As the industry develops year by year, the number of our compatriots entering various areas of entrepreneurship is increasing. If necessary, dozens of entrepreneurs are starting work in one mahalla. And in this, they are assisted by loans provided by banks, which opens up wide opportunities for the population wishing to start their own business.
An example of this is the microloan "First Step to Business," provided by JSCB "Microcreditbank." The microloan term is from 24 to 36 months, up to 27-28% per annum.
Also, this loan will be allocated up to 20 times the base calculation amount in the 1st stage and up to 35 times the base calculation amount in the 2nd stage.
When applying for a microloan "First Step to Business," you can choose a convenient timeframe and receive the required amount.
To date, the bank has allocated loans in the amount of 7 trillion soums, of which 266.4 billion soums are accounted for by the microloan "First Step to Business."
Another noteworthy aspect is that JSCB "Microcreditbank" is expanding cooperation with foreign financial institutions in order to financially support the population living in remote areas and attract them to entrepreneurship.
During 2025, the bank received a total of 260 million dollars from foreign financial institutions. They plan to attract resources in the amount of US dollars. As a practical embodiment of this plan, a trade financing agreement worth 15.8 million US dollars was signed and funds were raised with the Singaporean company "Olam Global Agri [Treasury] Pte Ltd."
This resource is intended to support women's and youth entrepreneurship and finance innovative initiatives.
In 2025, Microcreditbank plans to allocate 5.4 trillion soums in loans to small and medium-sized businesses and 2.9 trillion soums within the framework of programs, of which 315 billion soums will be directed to the "First Step to Business" program.
When transferring the credit rating from the "medium" category to the "good" category, the bank conducted promotional work with 38.6 thousand potential clients to attract them to entrepreneurship. Of these clients, 8.1 thousand expressed a desire to start a business, and 1.6 thousand of them were allocated loans in the amount of 46.4 billion soums.
In September-December 2025, the bank will allocate 2.1 trillion soums to small and medium-sized businesses, including 1.2 trillion soums within the framework of programs. In particular, 108.7 billion soums of them are accounted for by the microloan "First Step to Business."
It is important to note that this microloan can also be obtained by individuals who do not have official income.
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See also
The annual reporting meeting of the WE-Finance Code initiative was held.
