Small business lending in Kazakhstan

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• Small business lending in Kazakhstan

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We can see, that there is many difficulties arise with receiving a loan. Many problems due to banks want to ensure their loans, they want more safe, but enterprises are not able to suit banks’ requirements, thus there are problems with documents, providing liquid enough pledge, meeting with representative of credit department and many-many others.

Conclusion.

From the conducted research we can conclude, that enterprises meet with a very many problems, when they are trying to receive a credit. Our lending system needs to be improved. First of all, banks should be more indulgent to small enterprises, which are not able to meet some requirements of the banks, especially about pledge.

Secondly, there should be more programs on supporting small business, like decreasing interest rates, give credits for a more long periods of time, etc.

Thirdly, banks should stop working only with “big people” with “big money”, but also help small enterprises to enter into market and freely functionate.

There some measures, which were applied in order to improve our lending system, and they are works, but there should be more support to small business, because it is so weak in Kazakhstan. Some enterprises, which are pretty big, rather than others, are gain on these programs, but there should be some support to the beginners.

Bibliography.

Blinov A. (1993) Razvitiye predprinimatelstva Economist No.6:70-73

Dauanov I. (2000) Maliy biznes: problemi oformleniya kredita AlPari 5: 81,82

Ershova G. (1995) Podderzka malogo predprinimatelstva Finansi No.2:17-18

Finansirovanie I kreditovaniye subyektov malogo biznesa, 2001 http://business.zakon.kz/fincredit/

Isabekov A. (1997) Problemi razvitiya malogo I srednego biznesa v Kazakhstane Economika Kazakhstana No.5-6:120-123

Karibayev A. (1997) Razvitiye malogo predprinimatelstva v Vostochno-Kazahstanskoi oblasti Economika Kazakhstana No.4:13-15

Kazbekov S. (1998) Kogda ge mladenez vstanet na nogi? Finansi Kazakhstana No.11:74-75

Kozizin S. (1997) Mal kredit da dorog Finansist No.3:15-19

Krediti dlya malogo biznesa EBRR, 2001 http://www.fund.kz/ebrr_c.html

Kreditovaniye, 2001 http://www.kkb.kz/banking_re/sber/service/06_credit.asp

Law of Republic of Kazakhstan from 19 July 1997 N 131-1 O gosudarstvennoi poddershke malogo predprinimatelstva(with amendments to this law in 10.07.98 № 283-1; in 26.07.99 № 458-1; in 29.11.99 № 488-1)

Mahanov Z. (1997) O rossiyskoy federalmoi programme gosudarstvennoy podderzke malogo predprinimatelstva Economika Kazakhstana No.9-10:79-84

Mishin A. (1998) Investizionnaya podderzka malogo bisnesa PEZ No.5:61-70

Mukhamedghanov G. (1997) Sistema gosudarstvennoy podderzke malogo I srednego predprinimatelstva v promishlenno razvitih stranah Economika Kazakhstana No.9-10:116-121

Osnovniye prinzipi kreditovaniya MP, 2001 http://www.tacisinfo.ru/brochure/banksme/pzayav_m.htm

Sahauyeva Zhanar, 2001, interview

Tukayev A. (1998) Analys raxvitiya malogo biznesa v Kazakhstane Al Pari No.2:69-74

Turgulova A. (1999) Gde brat dengi na maliy busines? Finansi Kazakhstana No.8-9:115-118

Umbetov A. (1999) The role of banks in small business credit Al Pari No.2:29-33

Vilenskiy A. (1999) Finansovaya podderzka malogo predprinimatelstva Economist No.9:88-90

Yevropeyskiy bank rekonstrukzii I razvitiya, 2001 http://www.fund.kz/ebrr_c.html

Appendixes.

Appendix 1

Checklist.

Respondent: Ms. Sahauyeva Zhanar, the chief accountant of “Oasis” company.

Information about company.

For what purpose company was organized?

Sources of funded capital (relatives, savings, sponsors)?

In which sphere do you work (trade or production)?

How many employees do company has?

2. Goals of receiving a loan.

2.1. How do you think, do small enterprises need to be credited?

2.2. How company used a loan?

2.3. What amount of gain did company received from the loan?

3. Loan.

3.1. In what bank do you prefer to receive a loan?

3.2. What liquid pledge did the company provide?

3.3. What interest rates did the company pay?

3.4. In which terms the company can made a repayment (monthly, quarterly or in the certain date)?

Appendix 2

Table #1

Реферат опубликован: 20/01/2008