Murabaha — Concessional Financing for SMEs
<p>Concessional financing for small and medium-sized enterprises in the Kyrgyz Republic through markup subsidization.</p>
Islamic Window
| Target Group | Individual entrepreneurs and legal entities in priority sectors. |
| Financing Currency | Kyrgyz Som (KGS). |
| Repayment Schedule | Annuity, flexible schedule. Monthly markup payments. |
| Grace Period | Up to 6 months (inclusive). |
| Collateral Security | Up to 300,000 KGS — unsecured; from 300,001 to 50,000,000 KGS — real estate, funds held in accounts at "Eldik Bank" OJSC. Additionally — vehicles and/or movable property. |
| Sharia Compliance | Financing is prohibited for activities that contradict Sharia norms and principles, including the production and trade of alcohol, tobacco, military products, pork-related goods, as well as gambling and betting industries, etc. |
Priority areas
Investment purposes
Working capital replenishment
Развитие стартапов
Требования и ограничения
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Production and processing of food products (excluding tobacco).
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Garment and textile production; manufacture of footwear and leather goods.
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Production of wood and paper products; printing.
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Manufacture of chemical and pharmaceutical products.
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Production of rubber, plastic, and non-metallic products.
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Manufacture of finished metal products, electrical equipment, and computers.
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Production and processing of construction materials.
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Tourism and related services (guest houses, ethno- and eco-tourism).
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Professional, scientific, and technical activities.
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Education (including preschool and school institutions).
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Craftsmanship and startup projects.
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Healthcare and social services for the population.
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IT sector and innovations (digital services, fintech).
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Acquisition of new technological equipment and industrial vehicles.
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