JOINT ORDER OF THE MINISTER OF TRADE AND INTEGRATION OF THE REPUBLIC OF KAZAKHSTAN, MINISTER OF ENERGY OF THE REPUBLIC OF KAZAKHSTAN, MINISTER OF TOURISM AND SPORT OF THE REPUBLIC OF KAZAKHSTAN, MINISTER OF ECOLOGY AND NATURAL RESOURCES OF THE REPUBLIC OF KAZAKHSTAN, MINISTER OF AGRICULTURE OF THE REPUBLIC OF KAZAKHSTAN, MINISTER OF CULTURE AND INFORMATION OF THE REPUBLIC OF KAZAKHSTAN, MINISTER OF WATER RESOURCES AND IRRIGATION OF THE REPUBLIC OF KAZAKHSTAN, MINISTER OF TRANSPORT OF THE REPUBLIC OF KAZAKHSTAN, I.O. MINISTER OF INDUSTRY AND CONSTRUCTION OF THE REPUBLIC OF KAZAKHSTAN, I.O. OF THE MINISTER OF EDUCATION OF THE REPUBLIC OF KAZAKHSTAN, MINISTER OF DIGITAL DEVELOPMENT, INNOVATIONS AND AEROSPACE INDUSTRY OF THE REPUBLIC OF KAZAKHSTAN, MINISTER OF SCIENCE AND THE HIGHER EDUCATION OF THE REPUBLIC OF KAZAKHSTAN AND MINISTER OF HEALTH OF THE REPUBLIC OF KAZAKHSTAN

of January 16, 2024 No. 38-HK, No. 16, No. 17, No. 7, No. 20, No. 16-HK, No. 10, No. 29, No. 19, No. 9, No. 26/Tax Code, No. 31, No. 2

About introduction of amendments to the joint order of the Minister of Trade and integration of the Republic of Kazakhstan of November 21, 2023 No. 410-HK, the Minister of Energy of the Republic of Kazakhstan of November 22, 2023 No. 412, the Minister of tourism and sport of the Republic of Kazakhstan of November 22, 2023 No. 299, the Minister of Ecology and Natural Resources of the Republic of Kazakhstan of November 22, 2023 No. 327, the Minister of Agriculture of the Republic of Kazakhstan of November 22, 2023 No. 401, the Minister of Culture and Information of the Republic of Kazakhstan of November 22, 2023 No. 450-HK, the Minister of Water Resources and Irrigation of the Republic of Kazakhstan of November 22, 2023 No. 16, the acting minister of transport of the Republic of Kazakhstan of November 23, 2023 No. 91, the Minister of Industry and construction of the Republic of Kazakhstan of November 23, 2023 No. 84, the Minister of education of the Republic of Kazakhstan of November 23, 2023 No. 347, the Minister of digital development, innovations and the aerospace industry of the Republic of Kazakhstan of November 23, 2023 No. 572/Tax Code, the Minister of science and the higher education of the Republic of Kazakhstan of November 23, 2023 No. 598 and the acting minister of health care of the Republic of Kazakhstan of November 23, 2023 No. 167 "About approval of rules, forms of the state financial support, economy industries in which the subjects of private entrepreneurship which are subject to the state support perform activities"

WE ORDER:

1. Bring in the joint order of the Minister of Trade and integration of the Republic of Kazakhstan of November 21, 2023 No. 410-HK, the Minister of Energy of the Republic of Kazakhstan of November 22, 2023 No. 412, of the Minister of tourism and sport of the Republic of Kazakhstan of November 22, 2023 No. 299, of the Minister of Ecology and Natural Resources of the Republic of Kazakhstan of November 22, 2023 No. 327, of the Minister of Agriculture of the Republic of Kazakhstan of November 22, 2023 No. 401, of the Minister of Culture and Information of the Republic of Kazakhstan of November 22, 2023 No. 450-HK, the Minister of Water Resources and Irrigation of the Republic of Kazakhstan of November 22, 2023 No. 16, of the acting minister of transport of the Republic of Kazakhstan of November 23, 2023 No. 91, of the Minister of Industry and construction of the Republic of Kazakhstan of November 23, 2023 No. 84, of the Minister of education of the Republic of Kazakhstan of November 23, 2023 No. 347, of the Minister of digital development, innovations and the aerospace industry of the Republic of Kazakhstan of November 23, 2023 No. 572/Tax Code, the Minister of science and the higher education of the Republic of Kazakhstan of November 23, 2023 No. 598 and the acting minister of health care of the Republic of Kazakhstan of November 23, 2023 No. 167 "About approval of rules, forms of the state financial support, economy industries in which the subjects of private entrepreneurship which are subject to the state support" perform activities (it is registered in the Register of state registration of regulatory legal acts at No. 33681) the following changes:

3, of 4, of 5, of 6, of 7, 8 and 11 to the joint order to state appendices in edition according to appendices 1, of 2, of 3, of 4, of 5, 6 and 7 to this joint order;

in Rules of provision of information and consulting services, service support of conducting business activity, the tool "Development of entrepreneurial potential "Of exchanges – kas_pker", programs of business consulting services of the European Bank for Reconstruction and Development for support of small and medium entrepreneurship of the Republic of Kazakhstan (further – Rules):

state Item 2 in the following edition:

"2. In these rules the following basic concepts are used:

1) the center of development of female entrepreneurship (further – TsRZhP) – the platform for rendering non-financial support to women in receipt of services for stimulation of participation in business activity, increase in economic activity;

2) the subject of social entrepreneurship – the individual entrepreneurs and legal entities (except for subjects of big business) included in the register of subjects of social entrepreneurship;

3) bank – the bank of the second level participating in the project;

4) mass media (further – media) – the periodic printing edition, TV, radio channel, film documentary, audiovisual record and other form of periodic or continuous public distribution of mass information, including Internet resources;

5) the consultant for the business overview – the physical person having experience of carrying out the business overview at the small and medium companies of Kazakhstan;

6) personal account – the personal web page of the user (the entrepreneur, the applicant, authorized body, the operator of non-financial support);

7) the entrepreneur – the subject of small and (or) medium business the economies operating in all sectors, including the subject of social entrepreneurship performing the activities according to the Entrepreneurial code of the Republic of Kazakhstan;

8) branch of chamber of entrepreneurs – infrastructure complex for rendering measures of the state support and provision of the state services, including in the online mode, to entrepreneurs and the population with entrepreneurial initiative, created under regional chambers of entrepreneurs in monotowns, the small cities and the district centers;

9) service center of entrepreneurs (further – TsOP) – infrastructure complex for rendering measures of the state support and provision of the state services, including in the online mode, to entrepreneurs and the population with entrepreneurial initiative, created under chambers of entrepreneurs in the regional centers, the cities of republican value and the capital, branches of chamber of entrepreneurs of areas in monotowns, the small cities and the district centers;

10) department of service center of entrepreneurs (further – department TsOP) – the workplace for rendering measures of the state support and provision of the state services to entrepreneurs and to the population with entrepreneurial initiative created in places of the greatest accumulation of entrepreneurs in the regional centers, the cities of republican value and the capital;

11) authorized body on entrepreneurship (further – authorized body) – the state body performing management and cross-industry coordination in the field of development and support of private entrepreneurship;

12) local executive body concerning entrepreneurship – structural division of local executive body (akimat) concerning entrepreneurship;

13) supplier company of consulting services – the legal entity and (or) the individual entrepreneur performing the consulting services of certain specialization which confirmed successfully realized projects and which underwent qualification selection according to the specification for realization of the "Program of Business Consulting Services of the European Bank for Reconstruction and Development for Support of Small and Medium Entrepreneurship of the Republic of Kazakhstan" tool;

14) the cooperation project – the plan of determination of the purposes and ways of their achievement by means of any planned and developed action programs which in implementation process are reached by means of establishing cooperation with foreign partners;

15) the financial agency – joint-stock company "Fund of development of entrepreneurship "Lady", enabling the realization and monitoring of financial support, monitoring of provision of service support of conducting business activity;

16) operator of non-financial support – The national chamber of entrepreneurs of the Republic of Kazakhstan of Atameken performing the state non-financial support to entrepreneurs, except for the "Program of Business Consulting Services of the European Bank for Reconstruction and Development for Support of Small and Medium Entrepreneurship in the Republic of Kazakhstan" component;

17) the web portal of the operator of non-financial support – online platform of the operator of non-financial support in which non-financial measures of the state support in electronic format are provided to users;

18) the tool – the measure of non-financial support given to entrepreneurs and the population with entrepreneurial initiative;

19) the manager-consultant – physical person which renders paid services within rendering consulting, information and explanatory services to the physical persons applying for occupation business activity and to entrepreneurs, based on the service provision agreement signed between regional chamber of entrepreneurs and the manager-consultant;

20) the cop – the female entrepreneur having knowledge and skills in the field of entrepreneurship, wishing to gain new knowledge and to show readiness for self-development and independent work and team work;

21) the mentor – the female entrepreneur having successful experience in conducting business activity, attracted to rendering service in escort of female entrepreneurs for knowledge transfer and experience in the field of entrepreneurship;

22) mentoring – service in escort of female entrepreneurs for knowledge transfer and experience in the field of entrepreneurship;

23) the certificate on the end of training (further – the certificate) – the document confirming training;

24) the training module – the certain amount of information representing the independent, finished link of the general training program studied for the purpose of obtaining professional competences;

25) the training program - the document created within training system determining content and amount of knowledge, the skills intended to obligatory assimilation, their distribution on subjects, Sections and the periods of training;

26) uslugopoluchatel – the entrepreneurs acting in all types of economic activity and the population with entrepreneurial initiative;

27) control center of self-service zones – the complex of specially organized workplaces for personal work of specialists equipped with the technical means and specialized software products united in the technical systems intended for implementation of training and rendering consulting services to participants;

28) regional chamber of entrepreneurs (further – RPP) – regional chamber of entrepreneurs of areas, cities of republican value and the capital of the operator of non-financial support;

29) the request – the statement with appendix of necessary documents for receipt of measures of non-financial support;

30) the electronic register of requests (further – the register) – the electronic document containing set of data on requests, and also users and other data;

31) the applicant – person who addressed for receipt of measures of non-financial support;

32) the international foreign organizations (further – MZO) – the non-governmental organizations, the foreign commercial organizations, foreign local executive bodies assisting the companies of small and medium entrepreneurship in the organization of foreign training and establishment of business connections with foreign partners and (or) aimed at assistance to development of subjects of small and medium entrepreneurship;

33) the subject of small and medium entrepreneurship (further – the subject of MSP) are the subjects belonging to the category of subjects of small and medium entrepreneurship according to the Entrepreneurial code of RK.

34) the foreign industry expert – the head or the owner of the large company with 20 (twenty) and more for years working experience in certain industry of economy, attracted to consultation of entrepreneurs concerning implementation of new methods of management, production technologies, the equipment and personnel training;

35) the beginning entrepreneur – the entrepreneur whose term of state registration as the individual entrepreneur or the legal entity constitutes at the time of the appeal to bank / leasing company behind the credit/agreement of leasing less than three years (affiliation of the beginning entrepreneur with the beginning/acting entrepreneurs on condition of creation of the new type of activity different from the current activities of the acting affiliated entrepreneur is allowed);

36) the electronic request – the statement on receipt of measures of non-financial support in which information is provided in electronic and digital form and is certified by means of the digital signature;

37) the digital signature (further – the EDS) – set of electronic digital symbols created by means of the digital signature and confirming reliability of the electronic document, its accessory and invariance of content.";

1) of Item 17 to state the subitem in the following edition:

"1)" Kas_pke багыт", includes complex, the advisory, educational services provided to entrepreneurs and the population with entrepreneurial initiative on a grant basis;";

state Items 19 and 20 in the following edition:

"19. The Kas_pke Bagyt direction includes provision of the following types of service:

1) consultation;

2) industry (profile) training;

3) training in attraction of financing;

4) carrying out business overview;

5) one village – one product.

"Kas_pke багыт" is performed for subjects to MSP and the population with entrepreneurial initiative in online and (or) offline format through regional chambers of entrepreneurs in the regional centers, the cities of republican value and the capital.

Consultation includes:

1) explanation of financial or non-financial measures of support of entrepreneurship;

2) detection of requirements on other services of the Kas_pke Bagyt direction.

Order taking for giving in the Kas_pke Bagyt direction is performed in paper or electronic type in form according to appendix 3 to these rules.

In case of order taking the following document types are provided:

the identity certificate or its electronic copy from the "digital documents" service (for identification);

the notification on state registration of the legal entity or the coupon on registration as the individual entrepreneur (if necessary);

notarized power of attorney (if necessary).

The service industry (profile) training is provided for the purpose of increase in entrepreneurial potential of subjects of MSP and (or) its representatives.

Industry (profile) training is performed for subjects of MSP and (or) to its representatives in RPP and (or) based on the operating economy and (or) the company.

Training in subjects of MSP and (or) is provided to its representatives no more once a year in one industry (profile) direction.

If industry (profile) training is provided in settlements out of the place of residence of subjects of MSP and (or) its representatives, then subjects of MSP and (or) its representatives pays transportation expenses and expenses on accommodation independently.

The certificate on the end of training is result of rendering service.

The service training in attraction of financing is provided for subjects of MSP and population with entrepreneurial initiative.

Training in attraction of financing is performed online and (or) offline format in interactive form according to the training program, the approved operator of non-financial support.

The service in the business overview is carried out for the purpose of development of recommendations about increase in potential of business, employee competences and its stability, and also recommended training for increase in employee competences of MSP.

The business overview is performed at the company of the subject of MSP and the having experience of evaluating business at the small and medium companies is carried out by the consultant for the business overview.

The consultant for the business overview carries out business valuation no more than 30 calendar days at the company of the subject of MSP.

Services one village – one product (further – OSOP) are directed for identification regional to products from local and local resources, and also assistance of enhancement of production technologies.

Services OSOP are provided for subjects of MSP and population with entrepreneurial initiative making products from local and local resources.

Services OSOP include:

1) carrying out regional showings;

2) determination of products of OSOP;

3) assistance in development of trademarks of products, logos;

4) training and marketing escort of participants of OSOP.

20. The TsRZhP direction includes provision of the following types of service:

1) consultation;

2) professional and business training;

3) mentoring;

4) informing female entrepreneurs on the international projects.

Services TsRZhP are rendered to the citizens of the female Republic of Kazakhstan aged from 18 years who are engaged or persons interested to be engaged in business activity, and to subjects of female entrepreneurship.

Consultation includes:

explanation of financial or non-financial measures of support for development of female entrepreneurship;

detection of needs of women on other services of the TsRZhP direction.

Services in consultation are provided by the regional consultant of TsRZhP in case of the direct address.

In case of primary address the uslugopoluchatel fills in the commitment form in the TsRZhP direction according to appendix 4 to these rules. Based on the revealed requirements the uslugopoluchatel goes to other measures of non-financial support.

In case of order taking the following document types are provided:

the identity certificate or its electronic copy from the "digital documents" service (for identification);

the notification on state registration of the legal entity or the coupon on registration as the individual entrepreneur (if necessary);

notarized power of attorney (if necessary).

Identification of the most demanded knowledge professional and business training.

The schedule of training is organized taking into account parental and family responsibilities of women.

Professional and business training is provided no more once a year on one uslugopoluchatel.

If training is provided in settlements out of the place of residence of uslugopoluchatel, then the uslugopoluchatel pays transportation expenses and (or) expenses on accommodation independently.

The certificate on the end of training is result of rendering service.

Services of mentoring are the mentor who carries out assessment of competence of the head of business the cop and develops offers on increase in its competence.

The mentor is appointed by the operator of non-financial support and accompanies the cop no more than 6 months.

If the cop refuses in receipt of mentoring, the consultant of TsRZhP replaces her with other person interested the cop.

The female entrepreneurs having length of service in business and who had the corresponding training act as mentors.

Services in informing on the international projects are performed by information collection in the interesting directions of business about holding the forums, conferences and other actions oriented to development of business potential of female entrepreneurship.

In the international projects provision of information on the international projects, forums, conferences, tenders and other actions is result of rendering service in informing.";

exclude Item 21;

state Item 22 in the following edition:

"22. The operator of non-financial support provides continuous provision of services of the tool within 12 (twelve) months of financial year.";

appendices 3 and 4 to Rules of provision of information and consulting services, service support of conducting business activity, realization of the tool "Development of entrepreneurial potential "Of exchanges – kas_pker", programs of business consulting services of the European Bank for Reconstruction and Development for support of small and medium entrepreneurship of the Republic of Kazakhstan to state in the following edition:

"Appendix 3

to Rules of provision of information and consulting services, service support of conducting business activity, realization of the tool "Development of entrepreneurial potential "Of exchanges – kas_pker", programs of business consulting services of the European Bank for Reconstruction and Development for support of small and medium entrepreneurship of the Republic of Kazakhstan

Form

The questionnaire request on rendering service in the Kas_pke Bagyt direction within the Maine-kas_pker tool

1.	Date of the address
2.	Surname, name, middle name (in case of its availability) uslugopoluchatel
3.	Floor of uslugopoluchatel
4.	Specify desirable language of receipt of services
5.	Birth date of uslugopoluchatel
6.	Age of uslugopoluchatel
7.	Age category of uslugopoluchatel
8.	Disability availability
9.	Category of uslugopoluchatel
10.	Area of uslugopoluchatel
11.	Settlement (city, village, settlement, district center) of uslugopoluchatel
12.	Place of rendering services
13.	Individual identification number of uslugopoluchatel
14.	Mobile phone of uslugopoluchatel
15.	E-mail address of uslugopoluchatel
16.	Form of business
17.	Name of the subject of entrepreneurship
18.	Status of the social entrepreneur (in the presence)
19.	Individual identification number of the individual entrepreneur / business identification number of the legal entity of uslugopoluchatel
20.	Type of activity on the general qualifier of economic activity of the entrepreneur
21.	Subindustry on the general qualifier of economic activity of the entrepreneur
22.	Category of entrepreneurship
23.	Annual turnovers
24.	The number of workers at the time of the address
25.	Whether you wish to get advice about financial or non-financial measures of support of entrepreneurship?
26.	If you are interested in industry (profile) training, then what training is required to you?
27.	Whether training in attraction of financing is required to you?
28.	Whether the business overview is required to your organization?
29.	If you make products from local raw materials whether then you need the service "One Village — One Product"?
30.	If you need training, then in what format it is more convenient to you to be trained?
31.	Surname, name, middle name (in case of its availability) the manager-consultant
32.	Estimate, please, work of the manager-consultant

* I enclose the copy of the identity document, the certificate/notification of the individual entrepreneur to the application / country or farm, the notice of registration of the legal entity, the power of attorney on the authorized person (if necessary).

* I confirm reliability of the provided information, is informed on responsibility for submission of false information according to the legislation of the Republic of Kazakhstan and I give the consent to National chamber of entrepreneurs of the Republic of Kazakhstan of Atameken on processing of my personal data, and also photofixing according to the Law of the Republic of Kazakhstan "About personal data and their protection", on collection, processing, storage, unloading and use of personal data and other information.

* I give the consent to carrying out telephone and/or the message poll, the quality which is carried out for the purpose of assessment (audit) and monitoring of the rendered services.

* I give the consent to provision of results from the rendered services within instruments of non-financial support.

* I give the consent to passing of diagnostic test for determination of entrepreneurial potential.

_______________________________________________

(surname, name, middle name (in case of its availability), the signature of uslugopoluchatel).";

"

Appendix 4

to Rules of provision of information and consulting services, service support of conducting business activity, realization of the tool "Development of entrepreneurial potential "Of exchanges – kas_pker", programs of business consulting services of the European Bank for Reconstruction and Development for support of small and medium entrepreneurship of the Republic of Kazakhstan

Form

The questionnaire - the request for rendering services in the "Centers of Development of Female Entrepreneurship" direction within the Maine-kas_pker tool

1.	Date of the address
2.	Surname, name, middle name (in case of its availability) uslugopoluchatel
3.	Specify desirable language of receipt of services
4.	Birth date of uslugopoluchatel
5.	Age of uslugopoluchatel
6.	Age category of uslugopoluchatel
7.	Availability of disability of uslugopoluchatel
8.	Category of uslugopoluchatel
9.	Area of uslugopoluchatel
10.	Settlement (city, village, settlement, district center) of uslugopoluchatel
11.	Place of rendering services
12.	Mobile phone of uslugopoluchatel
13.	E-mail address of uslugopoluchatel
14.	Individual identification number of uslugopoluchatel
15.	Organizationally – legal form of uslugopoluchatel
16.	Name of entrepreneurship
17.	Status of the social entrepreneur (in the presence)
18.	Individual identification number of the individual entrepreneur / business identification number of the legal entity of uslugopoluchatel
19.	Type of activity on the general qualifier of economic activity of the entrepreneur
20.	Subindustry on the general qualifier of economic activity of the entrepreneur
21.	Category of entrepreneurship
22.	Annual turnovers
23.	The number of workers at the time of the address
24.	Whether you wish to get advice about financial or non-financial measures of support of female entrepreneurship?
25.	If you are interested professional also business training, then what?
26.	Would like to receive maintenance from the mentor?
27.	Whether you wish to obtain information on the international projects concerning female entrepreneurship and to take part in them?
28.	If you need training, then in what format it is more convenient to you to be trained?
29.	Surname, name, middle name (in case of its availability) the manager-consultant
30.	Estimate, please, work of the manager-consultant

* I enclose the copy of the identity document, the certificate/notification of the individual entrepreneur to the application / country or farm, the notice of registration of the legal entity, the power of attorney on the authorized person (if necessary).

* I confirm reliability of the provided information, is informed on responsibility for submission of false information according to the legislation of the Republic of Kazakhstan and I give the consent to National chamber of entrepreneurs of the Republic of Kazakhstan of Atameken on processing of my personal data, and also photofixing according to the Law of the Republic of Kazakhstan "About personal data and their protection", on collection, processing, storage, unloading and use of personal data and other information.

* I give the consent to carrying out telephone and/or the message poll, the quality which is carried out for the purpose of assessment (audit) and monitoring of the rendered services.

* I give the consent to provision of results from the rendered services within instruments of non-financial support.

* I give the consent to passing of diagnostic test for determination of entrepreneurial potential.

________________________________________
   (surname, name, middle name (in case of its availability), the signature of uslugopoluchatel).".

2. To provide to committee of trade of the Ministry of Trade and integration of the Republic of Kazakhstan state registration of this order in the Ministry of Justice of the Republic of Kazakhstan and its placement on Internet resource of the Ministry of Trade and integration of the Republic of Kazakhstan.

3. To impose control of execution of this joint order on the supervising vice-Ministers of Trade and integration, tourism and sport, culture and information, agricultural industry, ecology and natural resources, power, water resources and irrigation, digital development, innovations and the aerospace industry, science and the higher education, health care, transport, education, the industry and construction of the Republic of Kazakhstan.

4. This joint order becomes effective after ten calendar days after day of its first official publication.

Minister of tourism and sport of the Republic of Kazakhstan

__________ E.Marzhikpayev

Acting as minisr of the industry and construction of the Republic of Kazakhstan

__________ A. Beyspekov

Minister of Ecology and Natural Resources of the Republic of Kazakhstan

__________ E.Nysanbayev

Minister of digital development, innovations and aerospace industry of the Republic of Kazakhstan

__________ B. Musin

Minister of Transport of the Republic of Kazakhstan

__________ M. Karabayev

Minister of Health of the Republic of Kazakhstan

__________ A. Giniyat

Minister of Water Resources and Irrigation of the Republic of Kazakhstan

__________ N. Nurzhigitov

Minister of Energy of the Republic of Kazakhstan

__________ A. Satkaliyev

Minister of science and the higher education of the Republic of Kazakhstan

__________ S. Nurbek

Minister of Culture and Information of the Republic of Kazakhstan

__________ A. Balayeva

Acting minister of education of the Republic of Kazakhstan

__________ N. Zhumadildayeva

Minister of Agriculture of the Republic of Kazakhstan

__________ A. Saparov

Minister of Trade and integration of the Republic of Kazakhstan

__________ A. Shakkaliyev

It is approved Agency on protection and development of the competition of the Republic of Kazakhstan

It is approved Ministry of Finance of the Republic of Kazakhstan

It is approved Agency of the Republic of Kazakhstan on regulation of the financial market

It is approved Bureau of national statistics of the Agency on strategic planning and reforms of the Republic of Kazakhstan

It is approved National Bank of the Republic of Kazakhstan

It is approved Ministry of national economy of the Republic of Kazakhstan

 

Appendix 1

to the joint Order of the Minister of Trade and integration of the Republic of Kazakhstan, the Minister of Energy of the Republic of Kazakhstan, the Minister of tourism and sport of the Republic of Kazakhstan, the Minister of Ecology and Natural Resources of the Republic of Kazakhstan, the Minister of Agriculture of the Republic of Kazakhstan, the Minister of Culture and Information of the Republic of Kazakhstan, the Minister of Water Resources and Irrigation of the Republic of Kazakhstan, the Minister of Transport of the Republic of Kazakhstan, the deputy. The Minister of Industry and construction of the Republic of Kazakhstan, the Acting Minister of education of the Republic of Kazakhstan, the Minister of digital development, innovations and the aerospace industry of the Republic of Kazakhstan, the Minister of science and the higher education of the Republic of Kazakhstan and the Minister of Health of the Republic of Kazakhstan of January 16, 2024 No. 38-HK, No. 16, No. 17, No. 7, No. 20, No. 16-HK, No. 10, No. 29, No. 19, No. 9, No. 26/Tax Code, No. 31, No. 2

Appendix 3

to the joint Order of the Minister of Trade and integration of the Republic of Kazakhstan, the Minister of Energy of the Republic of Kazakhstan, the Minister of tourism and sport of the Republic of Kazakhstan, the Minister of Ecology and Natural Resources of the Republic of Kazakhstan, the Minister of Agriculture of the Republic of Kazakhstan, the Minister of Culture and Information of the Republic of Kazakhstan, the Minister of Water Resources and Irrigation of the Republic of Kazakhstan, the deputy. Minister of Transport of the Republic of Kazakhstan, Minister of Industry and construction of the Republic of Kazakhstan, Minister of education of the Republic of Kazakhstan, Minister of digital development, innovations and aerospace industry of the Republic of Kazakhstan, Minister of science and the higher education of the Republic of Kazakhstan and deputy. The Minister of Health of the Republic of Kazakhstan of November 21, 2023 No. 410-HK, 22 of November, 2023 No. 412, on November 22, 2023 No. 299, on November 22, 2023 No. 327, on November 22, 2023 No. 401, on November 22, 2023 No. 450-HK, On November 22, 2023 No. 16, on November 23, 2023 No. 91, on November 23, 2023 No. 84, on November 23, 2023 No. 347, on November 23, 2023 No. 572/Tax Code, 23 of November, 2023 No. 598, on November 23, 2023 No. 167 "About approval of rules, forms of the state financial support, economy industries in which the subjects of private entrepreneurship which are subject to the state support perform activities"

Rules of provision of portfolio subsidizing of part of rate of remuneration and partial guaranteeing on the credits/microcredits of subjects small, including microentrepreneurships

Chapter 1. General provisions

1. These rules of provision of portfolio subsidizing of part of rate of remuneration and partial guaranteeing on the credits/microcredits of subjects small, including microentrepreneurships (further – Rules), are developed according to Item 2 of article 94 of the Entrepreneurial code of the Republic of Kazakhstan (further – the Code) and determine procedure for provision of portfolio subsidizing of part of rate of remuneration/markup and partial guaranteeing by credits/microcredits/financing of banks of the second level (further – BVU) / the organizations performing microfinancial activities to subjects small including microentrepreneurship.

2. In these rules the following basic concepts are used:

1) replenishment of current assets – the purpose of the credit of the entrepreneur connected with the declared activities of the entrepreneur and excluding payment of the tax liabilities, pension and social assignments, customs payments / charges / duties;

2) special finance company – the legal entity created according to the Law of the Republic of Kazakhstan "About project financing and securitization" for implementation of transactions of project financing and securitization for benefit of which rights to claim are yielded;

3) the subject of social entrepreneurship – the individual entrepreneurs and legal entities (except for subjects of big business) included in the register of subjects of social entrepreneurship;

4) bank - the payment agent – the authorized bank of the microfinancial organization which is approved with the financial agency and performs functions on maintaining the special account of the microfinancial organization intended for transfer and write-off of subsidies on projects;

5) the allocated assets – the rights to claim yielded to special finance company in transactions of project financing and securitization, the money on accounts in bank custodian received on the rights to claim yielded to it, the financial instruments acquired by special finance company as a result of investment of the specified money, the money received as a result of sale of financial instruments and also the property and property rights arising during creation of collateral security;

6) the project (business project) – set of the actions and actions performed by the entrepreneur as the initiative activities directed to income acquisition and which are not contradicting the legislation of the Republic of Kazakhstan within activities on which the state financial support is provided (within one project possibly receipt of several bank credits / making of leasing transactions);

7) the investment purposes – acquisition and (or) construction and (or) upgrade and (or) reconstruction and (or) capital repairs of fixed assets, acquisition of biological and (or) intangible assets. Tax expenses on value added included in the cost of the main means / tangible assets according to accounts for payment, connected with the purposes specified in this determination, also belong to investments;

8) Islamic bank – the bank of the second level performing the banking activity provided by Chapter 4-1 of the Law of the Republic of Kazakhstan "About banks and banking activity in the Republic of Kazakhstan" based on the license within implementation of these rules;

9) the financing provided by Islamic bank (further – financing) – the delay or payment by installments of payment for goods provided by Islamic bank to the entrepreneur;

10) the entrepreneur – small business entity, including microentrepreneurships, and also the subject of social entrepreneurship determined according to the Code and having the status of the acting subject of entrepreneurship;

11) earlier adopted agenda of support of entrepreneurship / earlier adopted agendas of support of entrepreneurship – The state program of support and business development the "Road map of business-2025" approved by the order of the Government of the Republic of Kazakhstan of December 24, 2019 No. 968, the National project on development of entrepreneurship for 2021 - 2025 approved by the order of the Government of the Republic of Kazakhstan of October 12, 2021 No. 728;

12) the credit agreement – the written agreement signed between bank and the entrepreneur under the terms of whom the bank grants the loan to the entrepreneur (the agreement on opening of credit line also belongs to the credit agreement);

13) target use of the credit/microcredit – use by the entrepreneur of the credit/microcredit received according to the loan agreement on the purposes corresponding to conditions of these rules (target use is confirmed by the relevant documents which in total confirm payment, obtaining and use by the entrepreneur in full of assets/works/services and (or) achievement of other purposes, in accordance with the terms of these rules);

14) the financial agency – joint-stock company "Fund of development of entrepreneurship "Lady";

15) authorized body of the financial agency – the permanent collegiate organ performing the activities within the powers conferred to it by the charter of the financial agency, credit policy of the financial agency and fixed by internal documents of the financial agency;

16) the agreement of financing – the written agreement signed between Islamic bank and the entrepreneur under the terms of whom the Islamic bank grants commercial credit to the entrepreneur – to the buyer or the seller of goods (the general agreement of financing within which the Islamic bank and the entrepreneur sign separate agreements on provision of commercial credit (financing) also belongs to the agreement of financing;

17) the microcredit – the money provided by the organization performing microfinancial activities, to the subject small, including microentrepreneurships in national currency of the Republic of Kazakhstan, in the amount of, not exceeding eight-thousandfold size of the monthly settlement indicator established for the corresponding financial year by the law on the republican budget;

18) the organization performing microfinancial activities – the microfinancial organization (further – IFI) performing activities for provision of the microcredits;

19) the regional coordinator – determined by the akim of area (the capitals, the cities of republican value) structural division of local executive body;

20) portfolio partial guaranteeing – form of provision of guarantees to entrepreneurs within the limit set by the financial agency for BVU/IFI;

21) securitization – financing under concession of monetary claim by bond issue, provided with the allocated assets;

22) the agreement on portfolio subsidizing of part of rate of remuneration/markup and partial guaranteeing – the written agreement signed between BVU/IFI and the financial agency, determining the rights and obligations of each of the parties within realization of portfolio subsidizing of part of rate of remuneration/markup and partial guaranteeing;

23) portfolio subsidizing of part of rate of remuneration/markup – form of provision of subsidies to entrepreneurs within the limit set by the financial agency for BVU/IFI.

Also the credits/microcredits of BVU/IFI directed to financing of entrepreneurs via the securitization mechanism are subject to subsidizing. In that case functions of administration (maintenance) of the credits/microcredits of the entrepreneurs supported on the instrument of subsidizing within implementation of these rules are performed by BVU/IFIs which yielded such credits / microcredits of special finance company.

The mechanism of securitization provides form of the state financial support of entrepreneurs in the way: release by special finance company of the bonds provided with the allocated assets of BVU/IFI; acquisitions by the financial agency of the bonds issued by special finance company, provided with the allocated assets (the transaction of securitization); provisions by special finance company BVU/MFO of the funds raised from the financial agency;

24) authorized body – authorized body on entrepreneurship;

25) the affiliated/connected persons – physical persons and legal entities according to Items 1), 16), 20) Articles 1, Items 1-1 and 2 of article 64 of the Law of the Republic of Kazakhstan "About joint-stock companies", with the Items 1)-11) of Article 12-1, Item 2 of article 41 of the Law of the Republic of Kazakhstan "About partnerships with the limited and accessorial liability";

3. Financing of portfolio subsidizing of part of rate of remuneration/markup and partial guaranteeing on credits/microcredits/financing is performed at the expense of means of the local and/or republican budgets provided on subsidizing and guaranteeing.

4. The means provided for subsidizing of part of rate of remuneration/markup and partial guaranteeing are listed for the account of means of the republican budget by authorized body on entrepreneurship in the financial agency into the special account of the financial agency on the basis of the contract for money transfer signed between them.

5. The means provided for subsidizing of part of rate of remuneration/markup and partial guaranteeing at the expense of means of the local budget are listed by the regional coordinator in the financial agency on the basis of the signed agreement on subsidizing and (or) guaranteeing according to the standard form of the agreement on subsidizing and (or) guaranteeing approved by the order of the Minister of national economy of the Republic of Kazakhstan of January 29, 2020 No. 5 "About approval of standard forms of agreements on separate measures of the state support of private entrepreneurship" (it is registered in the Register of state registration of regulatory legal acts at No. 19959).

Money transfer to the financial agency within implementation of these rules is performed by authorized body on entrepreneurship according to the contract for money transfer for the special account of the financial agency.

Use of means, allocated within the subsidizing of part of rate of remuneration/markup and partial guaranteeing which is not used by regional coordinators / the financial agency in the current financial year in the next financial year on subsidizing of part of rate of remuneration/markup and partial guaranteeing the projects including approved in the next financial year is allowed.

In case of formation of lack of budgetary funds for partial guaranteeing projects, the financial agency stops partial guaranteeing projects before receipt of additional resources from local executive body of area (the capital, the cities of republican value) / authorized body on entrepreneurship.

The cost of guarantee which is paid by local executive body of area (the capital, the cities of republican value) / authorized body on entrepreneurship to the financial agency, constitutes 20% of the amount of portfolio partial guarantee and is payment for the issued guarantees. In case of early termination of validity of portfolio partial guarantee the amount is used for the subsequent portfolio partial guaranteeing projects. The financial agency places the received means in different financial instruments. The received means from the cost of the issued guarantees are considered as the postponed income and will monthly be amortized during the term of life of the issued guarantee.

Distribution of the budget for subsidizing and guaranteeing for credits/microcredits/financing within the new projects approved in the corresponding financial year is performed:

on processing industry to 50% of budgetary funds;

on activities for provision of services, including in the field of trading activity to 30% of budgetary funds;

on activities of subjects of microentrepreneurship (the credits to 20 (twenty) million tenges) – 20% of budgetary funds.

At the same time, change of the specified proportionality and redistribution of means by the financial agency within support of projects in processing industry and/or on provision of services and in the field of trading activity, and/or subjects of microentrepreneurship among themselves depending on the need for subsidizing and/or guaranteeing is allowed.

6. The financial agency for the purposes of forming of the general complex annual analytical report of efficiency no later than July of the year following reporting directs results of monitoring of program implementation of support of entrepreneurship), regarding subsidizing and guaranteeing on the credits/microcredits to authorized body.

Chapter 2. Procedure for provision of portfolio subsidizing of part of rate of remuneration and partial guaranteeing on the credits/microcredits of subjects small, including microentrepreneurships

Paragraph 1. Conditions of provision of subsidies and guarantees on the "Support of Micro and Small Business" direction

7. Participants of the "Support of Micro and Small Business" direction are entrepreneurs.

Portfolio subsidizing of part of rate of remuneration/markup on goods, the Islamic bank constituting the income, and partial guaranteeing are performed on credits/microcredits/financing, directed to the investment purposes and replenishment of current assets without industry restrictions, except for to activities in the field of trade (trade in food is allowed).

For subjects small and the microentrepreneurships realizing projects in settlements, except for the cities of republican value / the regional centers, including in mono - and the small cities, rural settlements, portfolio subsidizing of part of rate of remuneration/markup on goods, the Islamic bank constituting the income, and partial guaranteeing is performed without industry restrictions.

Investment projects of entrepreneurs provide obligatory increase in workplaces at least 1 (one) persons in 2 (two) from the date of the decision of BVU/IFI.

8. Are not subject to subsidizing and guaranteeing within the "Support of Micro and Small Business" direction:

1) the projects of entrepreneurs realized on the types of activity specified in item 4 of article 24 of the Code;

2) the credits/microcredits in which creditor are national institutes of development;

3) the credits/microcredits, the remuneration rate on which was reduced the price at the expense of budgetary funds, except for credits/microcredits/financing of BVU/IFI which rate of remuneration was reduced the price within implementation of these rules;

4) the credits/microcredits directed to the redemption of shares, shares of the organizations, and also companies as property complex;

5) the credits in the form of the overdraft;

6) the credits/microcredits of the directed to acquisitions of fixed assets, goods in the form of real estate objects, assets, works and services at аффилиированных / connected persons except for:

constructions (including expansions, upgrades, technical updating, reconstruction, restoration, capital repairs) the new and (or) existing objects (buildings, constructions and their complexes, communications), in case of availability of the supporting document on implementation by the affiliated/connected person of activities for construction;

purchases of goods, works and services at the affiliated/connected persons which are official distributors in the territory of the Republic of Kazakhstan;

purchases of goods, raw materials and/or materials, at the affiliated/connected persons if such goods, raw materials and/or materials, are made аффилиированным / the connected person;

7) directed to acquisition of cars (except for the cars intended for transportation of goods, having body or the cargo platform isolated from cabin), including on activities for the OKED 49.32 code "Activities of taxi" (except for "green" projects, and also projects directed to acquisition of cars of domestic manufacturers worth no more than 10 (ten) million tenges for 1 (one) unit), on provision in lease and leasing of cars by the OKED 77.11 code "Lease and leasing of cars and easy vehicles" (except for provisions in lease and leasing of cars of domestic manufacturers worth no more than 10 (ten) million tenges for 1 (one) unit);

8) the credits/microcredits directed to implementation of real estate transactions (the acquisition/lease/sublease of apartments, apartments, apartment houses, the parcels of land on individual housing construction);

9) the entrepreneurs performing activities of pawnshops, the microfinancial, factoring organizations and leasing companies;

10) the credits/microcredits / the existing project earlier receiving the subsidizing and/or guaranteeing directed to acquisition ready and seen in operation without additional upgrade less than 20% of the acquired project;

11) the credits/microcredits directed to payment of the tax liabilities, pension and social assignments, customs payments and charges;

12) the entrepreneurs who performed and/or planning to perform sale/donation/transfer to confidential management / lease / free use of asset to person at whom it was acquired at the expense of the credit/microcredit, including making and/or planning in the future reorganization of the company of the entrepreneur in the form of accession to this person or merges to this person. In case of identification during monitorings of the projects specified in this subitem of cases, subsidizing stops and earlier paid subsidies are subject to return;

13) the entrepreneurs who stopped or suspended activities as the subject of private entrepreneurship at the time of application for subsidizing;

14) entrepreneurs whose pattern of ownership is drawn up as private institution.

9. The maximum amount of credit/microcredit/financing on the investment purposes on which portfolio subsidizing of part of rate of remuneration/markup on goods is performed of the Islamic bank constituting the income, and partial guaranteeing, constitutes no more than 20 (twenty) million tenges and on replenishment of current assets – no more than 5 (five) million tenges. The credits / микрокредиты / financing on replenishment of current assets are allowed in the form of credit line on renewable and/or non-renewable basis. The limit on one borrower constitutes 20 (twenty) million tenges. Repeated receipt of credit/microcredit/financing within the limit set by Rules in case of partial/complete early repayment of principal debt on credit/microcredit/financing is allowed.

10. In case of excess by the borrower of the limit specified in Item 9 of these rules, financing of the project of the borrower is not allowed or the amount of financing is reduced to the level of the set limit.

11. Portfolio subsidizing of part of rate of remuneration/markup on goods, the Islamic bank constituting the income, and partial guaranteeing, are performed only on credits/financing with nominal rate the remuneration/markup on goods, the Islamic bank constituting the income which is not exceeding the base rate established by National Bank of the Republic of Kazakhstan and increased by 7 (seven) percent points from which 8% are paid by the entrepreneur and difference it is subsidized with the state. The projects approved before approval of the above-stated rate of remuneration act on earlier approved conditions with authorized body of the financial agency before complete execution by entrepreneurs of the obligations on them.

For subjects small and the microentrepreneurships realizing projects in settlements, including in mono - and the small cities, rural settlements, subsidizing is performed on credits/financing with the nominal rate of remuneration which is not exceeding the base rate established by National Bank of the Republic of Kazakhstan and increased by 7 (seven) percent points from which 7% are paid by the entrepreneur and difference subsidized with the state. The projects approved before approval of the above-stated rate of remuneration act on earlier approved conditions with authorized body of the financial agency before complete execution by entrepreneurs of the obligations on them.

For subjects of social entrepreneurship subsidizing and guaranteeing on credits/financing are performed without industry restrictions and with the nominal rate of remuneration which is not exceeding the base rate established by National Bank of the Republic of Kazakhstan and increased by 7 (seven) percent points from which 7% are paid by the entrepreneur and difference is subsidized with the state.

Portfolio subsidizing of part of rate of remuneration and partial guaranteeing are performed only on the microcredits of IFI with nominal rate of remuneration no more than 28% per annum from which 50% of nominal rate of remuneration are subsidized with the state.

Portfolio subsidizing of part of rate of remuneration is performed on the microcredits of IFI on projects in priority types of economic activity according to the list according to appendix 1 to these rules.

Portfolio partial guaranteeing are performed on the microcredits of IFI on projects in priority types of economic activity according to the list according to appendix 2 to these rules.

At the same time the size of portfolio partial guarantee for subjects small, including microentrepreneurships, and also subjects of social entrepreneurship constitutes to 85% inclusive of the amount of credit/microcredit/financing, the remained amount of credit/microcredit/financing becomes covered by the entrepreneur at the discretion of BVU/IFI.

12. The term of the portfolio subsidizing of part of rate of remuneration/markup on goods constituting the income of Islamic bank on credits/microcredits/financing on the investment purposes constitutes 3 (three) years, on replenishment of current assets – 2 (two) years without the right of prolongation of term of subsidizing.

13. The term of the provided portfolio partial guarantee constitutes no more than the term of credit/microcredit/financing.

14. Portfolio subsidizing of part of rate of remuneration/markup on goods, the Islamic bank constituting the income, and partial guaranteeing are performed on credits/microcredits/financing of BVU/IFI, selected according to internal regulating documents of authorized body of the financial agency.

15. The authorized body of the financial agency determines limit of the portfolio subsidizing of part of rate of remuneration/markup on goods constituting the income of Islamic bank and partial guaranteeing for each BVU / IFI by its regional branches.

16. In case of exceeding of the requirements of BVU/IFI of threshold paid by the financial agency over 10% of amount (debt remaining balance) of the credit portfolio built on guarantee of the financial agency, the financial agency stop portfolio subsidizing of part of rate of remuneration and partial guaranteeing. In case of approach of such case new projects are not allowed to consideration.

At the same time the financial agency provides obligation fulfillment under earlier signed agreements.

17. The credits/microcredits of BVU/IFI directed to financing of entrepreneurs via the mechanism (transaction) of securitization are subject to subsidizing. At the same time the financial agency acquires the securitized bonds at the expense of own or raised funds from other sources of financing.

Paragraph 2. Determination of limit on BVU/IFI within provision of portfolio subsidizing of part of rate of remuneration on the credits/microcredits of subjects small, including microentrepreneurships

18. Limits on BVU/IFI affirm authorized body of the financial agency annually under preliminary approval of BVU/IFI, and also additional increase within year in case of development of limit is allowed or are sequestered in case of improper execution of obligations on development of BVU/IFI of means.

Limits on BVU/IFI within subsidizing of part of rate of remuneration are established calculated on the basis of the amount of undertaken obligations according to earlier approved schedules of repayments of payments to credit agreements and requirement of means for adoption of new payment schedules to credit agreements in the current financial year.

At the same time, undertaken obligations to credit agreements the current financial year are paid for earlier approved schedules of repayments of payments without establishment of limit on BVU/IFI.

19. For participation in distribution of limit of BVU conforms to the following requirements:

1) accomplishment of prudential and other standard rates of National Bank of the Republic of Kazakhstan;

2) compliance to internal documents of the financial agency.

20. For participation in distribution of limit of IFI conform to the following requirements:

1) equity of IFI is not lower than the minimum level established by National Bank of the Republic of Kazakhstan for date of submission of documents;

2) availability of accounting registration in National Bank of the Republic of Kazakhstan;

3) accomplishment of prudential and other standard rates of National Bank of the Republic of Kazakhstan;

4) compliance to internal documents of the financial agency.

21. If the amount of development of limit of BVU/IFI makes less than 30% after 6 (six) months from the moment of determination of limit by the financial agency, redistribution of limits in other BVU / IFIS is allowed.

22. After determination of limit between BVU/IFI and the financial agency the agreement on portfolio subsidizing of part of rate of remuneration/markup and partial guaranteeing in which are specified is signed:

1) terms of development of limits of BVU/IFI;

2) payment procedure of portfolio partial guarantee;

3) payment procedure of portfolio subsidizing of part of rate of remuneration;

4) projects implementation monitoring implementation;

5) conditions of redistribution of the released limits between projects on which subsidizing (inappropriate use of means) is stopped.

23. BVU/IFIs pay to the financial agency penalty in the amount of 50 (fifty) monthly settlement indicators (further – MRP) in non-notification cases / the untimely notification of the financial agency on partial/complete early repayment by the entrepreneur of principal debt, and also change of the payment schedule, at the same time times for notification are specified in the agreement on portfolio subsidizing of part of rate of remuneration/markup and partial guaranteeing between BVU/IFI and the financial agency.

In case of partial early repayment of principal debt on credit/microcredit/financing of the entrepreneur, BVU/IFI send to the financial agency the copy of the supplementary agreement to the credit agreement / agreement of financing or the letter of BVU/IFI with the changed repayment schedule of payments in electronic format (XLS or XLSX) and specifying of the payable amount of subsidies.

In case of repeatedly partial early repayment of principal debt on credit/microcredit/financing by the entrepreneur during calendar month provision in the financial agency of the copy of BVU/IFI combined in such cases of the supplementary agreement to the credit contract / agreement of financing or the letter of BVU/IFI with the changed repayment schedule of payments in electronic format (XLS or XLSX) and specifying of the payable amount of subsidies is allowed.

Paragraph 3. Provision of portfolio partial guaranteeing

24. The entrepreneur addresses to BVU/IFI with the request for provision of credit/microcredit/financing.

25. In case of insufficiency of mortgage providing at the borrower on credit/microcredit/financing, the financial agency provides guaranteeing at the rate to 85% of the amount of credit/microcredit / financing.

26. BVU/IFI carries out complex assessment / examination of financial and economic efficiency of the project. In case of acceptance of BVU/IFI of the positive decision on provision of credit/microcredit / financing with guarantee of the financial agency within portfolio guaranteeing BVU/IFI provides to the financial agency:

1) the copy of the credit agreement / agreement of financing or this on the automated service of the financial agency under the credit agreement / agreement of financing;

2) the letter notification in form according to appendix 3 to these rules.

At the same time, in case of data transmission on the automated service of the financial agency, the letter notification is not required.

27. Based on the above-stated documents from the date of receipt of the letter notification the financial agency within 1 (one) working day sends to BVU/IFI the warranty obligation in form according to appendix 4 to these rules.

The warranty obligation consists on the paper carrier / electronically, at the same time the electronic form of the warranty obligation is signed by the digital signature according to the current legislation of the Republic of Kazakhstan. In case of consideration of the request through the automated service, the warranty obligation goes the financial agency by means of service.

28. In case of excess by the borrower of the limit specified in Item 9 of these rules, financing of the project of the borrower is not allowed or the amount of financing is reduced to the level of the set limit.

29. In case of consideration of the request through the automated service of the financial agency, BVU/IFIs within 5 (five) working days from the date of receipt of the warranty obligation notify the financial agency by means of service on provision of credit/microcredit/financing to the entrepreneur.

30. In case of deterioration in the indicator of BVU/IFI specified in Item 16 of these rules, the financial agency allows redistribution of limit of portfolio partial guaranteeing in other BVU / IFIS.

31. Payment of guarantee by the financial agency BVU/MFO is performed according to the procedures specified in the agreement on portfolio subsidizing of part of rate of remuneration/markup and partial guaranteeing between BVU/IFI and the financial agency.

32. If within 120 (hundred twenty) calendar days from the date of non-execution / improper execution by the entrepreneur of obligations on repayment of the amount of principal debt under the credit agreement / agreement of financing the entrepreneur did not perform/fulfilled in an inadequate way obligations on repayment of the amount of principal debt under the credit agreement / agreement of financing, BVU/IFI is allowed to impose requirement to the financial agency.

33. The financial agency pays guarantees for credits/microcredits/financing of BVU/IFI within 20 (twenty) working days from the moment of receipt of the requirement.

34. In case of inappropriate/partial inappropriate use of credit/microcredit/financing the guarantee of the financial agency is cancelled / the amount of guarantee decreases in proportion to credit amount of the microcredit/financing used for the inappropriate designated purpose.

35. In case of release of means due to cancellation of guarantee/decrease in the amount of guarantee on credits/microcredits/financing, BVU/IFI considers requests on new projects within the allocated limit.

36. BVU/IFIs do not charge any fees, charges and/or other payments connected with credit/microcredit/financing, except for:

1) the conditions of crediting/financing connected with change initiated by the entrepreneur;

2) the obligations levied for cause of infringement by the entrepreneur on credit/microcredit/financing.

37. The financial agency before refining of republican and/or local budgets of the current financial year signs agreements of guarantee in case of further compensation of means from republican and/or local budgets by authorized body on entrepreneurship / local executive body of area (the capital, the cities of republican value) of no more than 10% of amount of expenses of the budget program for the current financial year for the approved (specified) budget.

The financial agency notifies authorized body on entrepreneurship / local executive body of area (the capital, the cities of republican value) on the signed agreements of guarantee with indication of compensation amount monthly till the 10th for further compensation of means by authorized body on entrepreneurship / local executive body of area (the capital, the cities of republican value) in case of the next refining of the budget.

In case of assignment from republican and/or local budgets in the current financial year compensation under earlier signed agreements of guarantee is in the first place performed, and the remained amount is distributed on new projects.

In case of lack of allocated funds on compensation of earlier signed agreements of guarantee, according to part one of this Item the financial agency stops guaranteeing projects to full recovery of means from republican and/or local budgets.

Paragraph 4. Procedure for provision of portfolio subsidizing of part of rate of remuneration

38. The entrepreneur addresses to BVU/IFI with the request for financing provision.

39. BVU/IFI carries out complex assessment / examination of financial and economic efficiency of the project. In case of acceptance of BVU/IFI of the positive decision on provision of credit/microcredit/financing within portfolio subsidizing, BVU/IFI provides to the financial agency:

1) the copy of the credit agreement / agreement of financing or this on the automated service of the financial agency under the credit agreement / agreement of financing;

2) the letter notification in form according to appendix 3 to these rules (in case of data transmission on the automated service of the financial agency, the letter the notification is not required).

40. When signing the credit agreement / agreement of financing the entrepreneur assumes liability on target use of borrowing facilities. In case of non-execution of this obligation by the entrepreneur:

1) subsidizing stops, the entrepreneur compensates to the financial agency the amount of the paid subsidies;

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