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«Farovonlik» microloan
Microcredit for self-employed individuals.
Updated: 10-09-2026
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300 000 000 sumsloan amount -
starting from 30 %interest rate -
up to 60 monthsloan term
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| Indicator | Value/Description |
| Self-Employed Individuals | Individuals independently engaged in activities aimed at earning labor income, providing services to individuals and legal entities, performing work based on personal labor, and not registered as individual entrepreneurs. They are registered with the State Tax Service with the right to accrue work experience and apply incentive benefits. |
| Client Segmentation | Citizens of the Republic of Uzbekistan aged 18 and older, registered with the State Tax Service, as well as self-employed individuals. |
| Requirements for a Good Credit History | 1. No overdue debt; 2. No outstanding loan balances subject to litigation, including principal and interest amounts transferred to an off-balance sheet account; 3. Credit Information Analysis Center (KIAC) score above 200 points; 4. No active loans classified as "unsatisfactory," "doubtful," or "hopeless"; For loans obtained within the last 12 months: • No more than five overdue payments exceeding 60 days; • No more than two overdue payments exceeding 90 days. |
| Loan Amount | 300 000 000 (three hundred million) sums |
| Loan Term | Up to 60 months |
| Grace Period | Up to 3 months |
| Lending Form | Funds are transferred to the borrower’s plastic card opened in JSC “Garant bank.” |
| Interest Rate on the Loan | from 30 % to 32 % |
| Loan Collateral | At least 125% of the loan amount. The following types of collateral are accepted: 1. Cash; 2. Movable and immovable property; 3. Vehicles manufactured within the last 5 years; 4. Other types of collateral not prohibited by law and the bank’s current credit policy. Loan collateral requirement for individuals affiliated with the bank – 130%. |
| Method of obtaining a loan | Bank office |
List of Documents Required for Obtaining a Loan
1. Loan application;
2. Identity document (biometric passport/ID card or new-type driver's license);
3. Electronic appraisal data of the pledged asset and an independent appraisal organization report;
4. Cadastral document (extract and cadastral passport) if the pledged asset is real estate;
5. Vehicle registration certificate (technical passport, technical card) if the pledged asset consists of vehicles or special equipment;
6. Copy of the passport if the pledgor is an individual.
7. Self-employment certificate;
8. If necessary, the bank may request additional documents.
2. Identity document (biometric passport/ID card or new-type driver's license);
3. Electronic appraisal data of the pledged asset and an independent appraisal organization report;
4. Cadastral document (extract and cadastral passport) if the pledged asset is real estate;
5. Vehicle registration certificate (technical passport, technical card) if the pledged asset consists of vehicles or special equipment;
6. Copy of the passport if the pledgor is an individual.
7. Self-employment certificate;
8. If necessary, the bank may request additional documents.