Updated: 25-08-2026

Loan «Hamroh»

More Leave an application

up to 25 000 times the BCV
loan amount
Central Bank rate + 6%
interest rate
up to 84 months
loan term

Key features of the proposed “HAMROH” credit product
Indicator	Value / Description
Customer segment	Small and medium-sized business entities with a positive credit history*, in which women hold a founders’ share of 50 percent or more and (or) which are headed by women.
Requirements for a positive credit history	• no overdue debt; • no loan balances subject to court proceedings and no loan principal or interest transferred to off-balance-sheet accounts; • a score above 200 points with the Credit Information and Analytical Centre (KIAC); • no outstanding loans classified as “unsatisfactory”, “doubtful” or “loss”; • no overdue loan debt of the client’s related entities within the Garant Bank JSC system. • Over the last 12 months in respect of loans: • no more than 3 instances of overdue debt exceeding 60 days; • no more than 2 instances of overdue debt exceeding 90 days, • provided that over the last 6 months there has been no overdue debt exceeding 90 days at all.
Client’s account	Primary or secondary
Loan currency	National currency (UZS)
Loan amount	Subject to the creation of at least 2 jobs: up to 1,000 times the Base Calculation Value (BCV) Subject to the creation of at least 5 jobs: up to 4,000 times the BCV For business entities that have been operating for at least 6 months, subject to the creation of at least 10 jobs: up to 25,000 times the BCV.
Loan term	up to 84 months (for working capital – up to 24 months) (proportionate to the term of the allocated resource (loan facility))
Loan interest rate	For clients established more than 6 months ago that take a loan equal to or less than their annual turnover (regular turnover), or clients whose annual account turnover (regular turnover), taking all inflows into account, is not less than UZS 5 billion: Central Bank rate + 6 percent For clients that do not meet the above requirements: Central Bank rate + 9 percent Interest on overdue loan debt is charged at a rate increased by a factor of 1.5.
Grace period for repayment of principal (based on the payback capacity of the project)	up to 24 months (for working capital – up to 6 months)
Loan purpose	For the expansion of business activities
Purposes for which the loan is not granted	• gambling establishments and billiard halls, the production of alcohol and tobacco products and (or) the organisation of trade in them; • repayment of previously obtained loans (leases) or any other debt; • the purchase of any non-industrially manufactured (home-made) equipment; • other purposes prohibited by law.
Source of funding	From the resources of “Hamroh” Women’s Entrepreneurship Support Company LLC
Form of loan disbursement	By transferring funds to the supplier. In an amount of up to UZS 200 million, the loan may be disbursed in cash or by transfer to the client’s own account.
Repayment frequency for principal and interest	Principal – after the end of the grace period, monthly / quarterly / semi-annually; Interest – monthly
Key requirements applicable to the client when the loan is granted	1. holding a primary or secondary account within the Garant Bank JSC system; 2. the statement of financial results (Form No. 2) for the latest reporting period (annual or quarterly) must not show a loss (except for individual entrepreneurs and newly established legal entities); 3. no debt recorded in the card index No. 2 account; 4. the client has no debt under enforcement proceedings opened by the Bureau of Compulsory Enforcement. * Newly established legal entities are organisations whose deadline for submitting financial statements for the financial year has not yet fallen due.
Loan approval	Projects are reviewed in the following stages: - the documents compiled by the regional credit manager are submitted to the Underwriting Department; - the underwriters review the projects and issue a conclusion; - where the underwriters issue a positive conclusion, the projects are reviewed by the Credit Committee of the regional BSO (banking services office), which takes the final decision on granting the loan; - Where applications do not meet the product requirements or exceed the limit set for the BSO Credit Committee, such applications are reviewed and the final decision is taken by the Credit Committee of the Head Office / the Management Board / the Bank Council / the General Meeting of Shareholders, according to their respective powers (provided that any additions and amendments introduced do not contradict the requirements of the credit policy). * Loans of up to UZS 100 million may be granted on the basis of a decision of the bank’s scoring system or online. In such cases, no conclusion or committee decisions are drawn up.
Collateral for the product	Not less than 125% of the loan amount (130% for persons related to the bank)
Accepted types of collateral	1. Cash funds; 2. Real estate; 3. Motor vehicles manufactured not more than 5 years ago; 4. Other types of collateral not prohibited by law or by the bank’s current credit policy. * Loans of up to UZS 100 million may be granted fully against a third-party (legal entity) guarantee, and without collateral where granted online. A guarantee (surety) of the National Business Guarantee Company JSC may be accepted for up to 70 percent of the loans granted.
Requirements for loan collateral	1. For real estate: - appropriate rights must exist to the land on which the property is located (except for premises located in multi-storey residential buildings); 2. For guarantees (except where accepted as additional collateral): - at least 12 months must have elapsed since state registration; - the statement of financial results (Form No. 2) must not show a loss; - the availability of own working capital must not be negative; - no debt in the card index No. 2; - no amounts payable under enforcement proceedings opened by the Bureau of Compulsory Enforcement; - the amount of the guarantee provided must not exceed 80 percent of the guarantor’s total assets; - the guarantor company’s cash turnover over the last 12 months must be not less than 50 percent of the guarantee amount. 3. Until the movable or immovable property acquired with the loan is pledged, an insurance policy may be provided as temporary collateral; in such case liquid property is deemed to have been provided as collateral.