Individual group loans

For groups of individuals and entrepreneurs who bear joint liability for loan, for the purpose of developing entrepreneurship and household expenditures. Particular attention is paid to people residing in rural areas and engaged in agriculture.

Group loans are a great opportunity for aspiring entrepreneurs to start their own business!

  • “Standard” simple solutions for business development and family needs.
  • “Chip-in-Cash” – an additional quick loan to maintain current assets and for urgent needs. 

Terms and conditions of group loans

Interest rate

32.88% per annum* 

Up Front Fee

from 2% to 3% of a loan amount**   SPECIAL! Up-front fee is 1% of loan amount. The offer is available from February 19 to April 30, 2018.**



Loan term

from 3 months to 2 years

Loan amount

from KGS 9,000 to KGS 1,500,000 per group


Group solidarity: up to KGS 250,000 per group member without pledge of property.
If the loan amount per group member exceeds KGS 250,000, movable property should be provided.

* Effective interest rate 42.18%.
** The offer is only available for “Standard” loan product.

requirements FOR borrowers

  • Groups comprise 3 to 10 members;
  • Legally capable individuals and individual entrepreneurs;
  • First-time entrepreneurs should account for not more than 35% of a group.

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Calculate the loan cost

Annual Interest Rate

Monthly Payment:

Total Amount of Repayments:

Loan Repayment Schedule

Amount of payment

These are sample calculations. You can receive more precise loan calculations from our loan officers.

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