Tadbirkor ayol hamrohi

Credit product name: «TADBIRKOR AYOL HAMROHI»

Credit entities: Small businesses, including individual entrepreneurs, micro-firms, and small enterprises, in which women hold 50% or more of the authorized capital and/or which are managed by women.

Credit form: No credit line opened (one-time issuance/drawdown in tranches)

Credit purpose:

§ Providing loans to corporate clients engaged in entrepreneurial activities for the purpose of acquiring buildings and structures, equipment, special-purpose machinery, motor vehicles, long-term tangible and intangible assets related to investment activities.

§   Providing loans to corporate clients engaged in entrepreneurial activities for the purpose of replenishing working capital to finance purchases of inventory and payment for services, as well as other acquisitions and expenses related to the continuous operation of the organization.

Credit method: Non-cash transfer of funds to the current accounts of suppliers/contractors/subcontractors from the client's loan account in accordance with the purchase and sale agreements provided, and at the borrower's request, partially in cash (up to 30% of the loan amount provided).

Loan terms and grace period for repayment of principal debt:

§ Loans for the purchase of buildings and structures, equipment, special machinery, motor vehicles, long-term tangible and intangible assets related to investment activities for a period of up to 84 (eighty-four) months (taking into account the project payback period), including a grace period of up to 36 (thirty-six) months.

§ Loan for replenishment of working capital to finance purchases of inventory and payment for services, as well as other acquisitions and expenses for the continuous operation of the organization - for a term of up to 24 (twenty-four) months, including a grace period of up to 6 (six) months.

Grace period for payment of accrued interest: not provided.

Credit source: HAMROH LLC – Company for the Support of Women Entrepreneurs.

Credit currency: The national currency of Uzbekistan - som.

Interest rate: 19.9% per annum

Minimum loan amount: not established.

Maximum loan amount:

§ Upon creation of at least two new jobs, the amount per project may be up to 1,000 times of the base calculation value (as of 25/11/25 - 412 000 000 sum);

§ Upon creation of at least 5 new jobs, the amount per project may be up to 4,000 times of the base calculation value (as of 25/11/25 - 1 648 000 000 sum).

Loan repayment: monthly, in annuity or differentiated payments.

Acceptable types of collateral: If the loan amount does not exceed 100,000,000.00 (one hundred million) som, and the “mandatory requirements for the borrower and its activities” of this provision are taken into account, the loan may be granted without collateral. 

If the loan amount exceeds 100,000,000.00 som, the borrower may provide the following types of loan collateral:

§ cash collateral in the form of freely convertible and national currencies held in accounts opened with InFinBank JSC;

§ guarantees from banks and insurance companies;

§ pledge of movable/immovable property;

§ pledge of property rights (claims);

§ pledge of government securities, securities of the Central Bank of the Republic of Uzbekistan, pledge of other securities not prohibited by applicable law, and shares in authorized capital;

§ facilities constructed using credit funds;

§ guarantees from third parties with proven solvency and financial reliability of the guarantor;

§ insurance policies from financially stable insurance companies;

§ guarantees from the Entrepreneurship Fund in the amount of no more than 70%;

§ other types of collateral not prohibited by current legislation;

Minimum security percentage: At least 125% of the loan amount (130% for borrowers affiliated with the bank).

Mandatory requirements for the Borrower and its activities:

§ Business entities in which women hold fifty percent or more of the authorized capital and/or which are managed by women.

§ The entity must have been registered with the state as a business entity for at least six months.

§ The presence of a primary or secondary demand deposit account with InFinBank JSC;

§ Regular account turnover over the last 6 months.

§ No negative credit history (business entities that have not previously used loans are considered to have a positive credit history);

§ Sufficiency of the Borrower's projected cash flows to service the loan in a timely manner;

§ The Borrower's balance sheet is liquid and its activities are not loss-making;

§ Other requirements provided for in the Credit Policy and other local regulations of the Bank.

§ Creation of at least 2 new jobs if the amount for a single project is up to 1,000 times the base calculation value.

§ Creation of at least 5 new jobs if the amount for a single project is up to 4,000 times the base calculation value.

The borrower shall not be eligible for credit under this Product if at least one of the following stop factors are present:

§ If there are overdue debts on the principal amount and/or accrued interest on existing loans, leases, or guarantees;

§ If there are outstanding balances on loans that are subject to legal proceedings, as well as the principal amount of debt and interest on loans transferred to an off-balance sheet account;

§ Debts owed to the Enforcement Bureau;

§ If there is a history of overdue debt on previously obtained loans for more than 30 days (consecutively) within the last 12 months;

§ Number of days on file-2 exceeding 30 days within 6 months;

List of documents to be provided by the borrower:

§ A loan application describing all the terms and conditions of the loan and collateral. If the requested loan amount exceeds 100,000,000.00 (one hundred million) sum, the Borrower is required to indicate in the application the number of jobs to be created within 3 months from the date of receiving the loan, in accordance with the requirements specified in the product passport.

§ Certificate of state registration of the Borrower;

§ Copy of the charter and constituent documents of the enterprise with all amendments;

§ Copy of documents confirming the right of the person to sign the loan agreement on behalf of the borrower if the person is a representative of the borrower, specimen signatures.

§ Financial statements in the form of a balance sheet and income statement for the last financial year, as well as for the first day of the current month, a breakdown of fixed assets and accounts receivable and payable.

§ Cash flow forecast;

§ Decision of the Borrower's authorized body to raise the necessary loan amount on the relevant terms and provide collateral for the loan;

§ If the Borrower has accounts with other banks, statements from the servicing banks confirming the absence/presence of the Borrower's debts on loans, leases, letters of credit, etc., the absence of debts on card index 2, as well as information on turnover for the last 12 months in the form of a letter from the servicing bank and a breakdown in electronic form;

§ Contracts that will be paid for under the requested loan;

§ Documents on the collateral provided.

Exceptions: The issuance of a loan under this loan product on terms different from those specified in this passport is permitted by decision of the Bank's Credit Committee, provided that this does not contradict the terms of the attracted line.