Small and medium-sized businesses

On the development of small and medium-sized enterprises in the Kyzylorda Region

(January–September 2026)

Number of registered small and medium-sized enterprise (SME) entities (as of September 1, 2026): 61,037 (of which 59,195, or 97%, are active).
As of April 1, 2026, 102,460 people were employed in the SME sector.
In January–March 2026, SME entities produced goods and services valued at 269.8 billion tenge.
The share of SMEs in the Gross Regional Product stood at 25.8% (Gross Value Added: 163.2 billion tenge), while the share of medium-sized enterprises reached 3.0% (Gross Value Added: 19.1 billion tenge).
In 2026, 25.3 billion tenge was allocated from various sources to provide financial support for entrepreneurship. Specifically:
- 10.1 billion tenge was earmarked in the budget for subsidizing loan interest rates and providing guarantees for SME entities;
- 73.8 million tenge was allocated for non-repayable grants to social entrepreneurship entities and winners of the "One Village – One Product" project;
- 1.5 billion tenge was channeled into micro-lending for small and medium-sized businesses through the "Kyzylorda" Regional Investment Center;
- 13.6 billion tenge is being directed toward lending for individual entrepreneurship under other state programs (such as "Auyl Amanaty" and the North Kazakhstan Region experience). In the first eight months of 2026, 1,006 private entrepreneurship projects were financed, totaling 33.9 billion tenge.

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On the development of small and medium-sized businesses in the Kyzylorda region
(January-May 2026)

In the Kyzylorda region, the number of registered small and medium-sized businesses (as of June 1, 2026) was 61,770 (of which 59,629, or 96.4%, were active).
As of January 1, 2026, the number of people employed in small and medium-sized businesses was 113,100.
From January to December 2025, the output of small and medium-sized businesses amounted to 1,576.0 billion tenge, with a physical volume index of 123.8%. The share of small and medium-sized businesses in the gross regional product was 24.7% (GVA – 759.7 billion tenge), while the share of medium-sized businesses reached 3.7% (GVA – 114.5 billion tenge).
In 2026, 25.4 billion tenge was allocated from various sources for financial support for entrepreneurship.
Specifically, 10.4 billion tenge has been allocated from the budget for interest rate subsidies and loan guarantees for small and medium-sized businesses.
73.8 million tenge has been allocated for non-repayable grants to social entrepreneurship entities and winners of the "One Village – One Product" project.
The Kyzylorda Regional Investment Center has allocated 1.3 billion tenge for microfinancing for small and medium businesses. Within the framework of other state programs ("Auyl amanaty", experience of North Kazakhstan region), 13.5 billion tenge were allocated for lending to private entrepreneurship. Over the first six months of 2026, 553 projects were financed for a total of 12 billion tenge. Including: 2 projects totaling 85.0 million tenge under the "Isker Aimaq" program, 14 projects totaling 1,777.0 million tenge under the "Orleu" program, 13 projects totaling 258.6 million tenge through microcredit through the Kyzylorda Regional Investment Center, 114 projects totaling 6,526.7 million tenge through loans from the Agrarian Credit Corporation (ACC), and 410 projects totaling 3,378.9 million tenge through funds from the Baykogyr Agricultural Production Cooperative, allocated in 2025 and utilized in 2026 under the "Auyl Amanaty" program.

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In the 9 months of 2025, the number of registered small and medium-sized businesses in the region amounted to 69,049, while the number of active businesses was 66,664.
In 2025, the number of people employed in SMEs as of April 1 was 113,450.
The volume of SME output from January to March 2025 amounted to 265.7 million tenge, with a physical volume index (PVI) of 119.5%.
The share of SMEs in the gross regional product reached 19% (GVA of 121.9 billion tenge), while the share of medium-sized businesses reached 3.2% (GVA of 20.3 billion tenge).
Comprehensive support measures are being implemented in the region to develop and support SMEs.
Since the beginning of the year, 2,086 business projects have been financed from various sources for a total of 24.9 billion tenge. In particular:
The interest rate on the small and medium-sized business loan portfolio totaling 6.1 billion tenge for 105 projects was subsidized, and the loan portfolio totaling 1.6 billion tenge for 32 projects was secured by guarantees.
The Kyzylorda Regional Investment Center financed 61 projects totaling 922.8 million tenge. Including 5 projects for placement in a small industrial park, loans totaling 121 million tenge were provided.
The Agricultural Credit Corporation financed 354 projects totaling 12.6 billion tenge.
As part of the "Auyl Amanaty" project, 32 entrepreneurial initiatives totaling 1.1 billion tenge were financed through the Baikonur Agricultural Production Cooperative. In addition, through the "Government for Business" platform, 18,000 services were provided to entrepreneurs in the region using the "one-stop shop" principle, covering land, architectural and urban planning, technical conditions, consulting, and support within the framework of state programs.

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As of July 1, 2025, the number of registered small and medium-sized businesses was 67,304 units, and the number of operating entities was 64,618 units.
As of April 1, 2025, the number of people employed in SMEs was 113,450 people.
The volume of SME output for January-March 2025 was 265.7 million tenge or an FPI of 119.5%.
The share of SMEs in the gross regional product reached 19% (GVA - 121.9 billion tenge), and the share of medium-sized businesses was 3.2% (GVA - 20.3 billion tenge).
In order to develop and support the SME sector, comprehensive support measures have been formed in the region.
Since the beginning of the year, 649 business projects have been financed from various sources for 20.4 billion tenge. In particular, 105 SME projects were subsidized for a loan portfolio of 6.1 billion tenge, 32 projects were guaranteed for a loan portfolio of 1.6 billion tenge.
Through the Regional Investment Center "Kyzylorda", 27 projects were financed for 597.9 million tenge. Including for placement in a small industrial park, 5 projects were loaned for 121 million tenge.
The Agrarian Credit Corporation financed 257 projects for 10.3 billion tenge.
Within the framework of the "Auyl Amanaty" project, 226 entrepreneurial initiatives were financed through the SPC "Baikonur" for 1.5 billion tenge. In addition, through the Government for Business platform, on a one-stop-shop basis, 12.2 thousand services were provided to entrepreneurs in the region on issues of land, architectural and urban planning, technical conditions, consulting and support within the framework of state programs.

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REPORT on the development of small and medium-sized businesses in the Kyzylorda region

As of December 1, 2024, the number of registered small and medium-sized businesses was 68,848 units, and the number of operating entities was 65,711 units.
As of July 1, 2024, the number of people employed in SMEs was 116,832 people.
The volume of SME production for January-June 2024 amounted to KZT 432.9 billion or an FPI of 133.6%. At the same time, the share of SMEs in the gross regional product reached 20.4%, and the share of medium-sized businesses 3.9%.
In order to develop and support the sphere of small and medium-sized businesses in the region, comprehensive support measures have been formed.
As of the end of 2024, more than 4.2 thousand private entrepreneurship projects were financed in the amount of KZT 74.7 billion.
Of these, 1,222 SME projects were subsidized for a loan portfolio of KZT 38.3 billion, and 621 projects were guaranteed. KZT 9 billion have been allocated from the budget for the provision of state subsidies and guarantees.
In 2024, the region continued to implement the Auyl Amanat program, aimed at increasing the income of the rural population, and concessional lending for large investment projects in the agro-industrial complex. Within the framework of the Auyl Amanat program, 150 projects were financed by the Baikonur SPC for KZT 1 billion.
The Kyzylorda Regional Investment Center allocated credit resources to 128 projects for KZT 1.5 billion.
In addition, on the “one-stop shop” principle through “Government for Business”, 21.3 thousand services were provided to entrepreneurs in the region on issues of land, architectural construction, preparation of technical specifications, consulting, support and development of business plans within the framework of state programs.

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REFERENCE
on the development of small and medium-sized businesses in the Kyzylorda region

As of October 1, 2024, the number of registered small and medium-sized businesses was 69,198 units, and the number of operating entities was 65,603 units.
The number of people employed in SMEs was 116,832 people.
The volume of SME production for January-June 2024 amounted to KZT 432.9 billion or index of physical volume of 133.6%. At the same time, the share of SMEs in the gross regional product reached 20.4%, and the share of medium-sized businesses 3.9%.
In order to develop and support the sphere of small and medium-sized businesses in the region, comprehensive support measures have been formed.
Over 9 months of 2024, about 3 thousand private entrepreneurship projects were financed in the amount of KZT 42.5 billion.
Of these, 766 SME projects were subsidized for a loan portfolio of KZT 25.3 billion, and 534 projects were guaranteed. KZT 9.5 billion have been allocated from the budget for the provision of state subsidies and guarantees.
This year, the region continues to implement the "Auyl Amanat" program, aimed at increasing the income of the rural population, and concessional lending for large investment projects in the agro-industrial complex. KZT 9.6 billion have been allocated for this. To date, 61 projects have been financed under the "Auyl Amanat" program by the Baikonur SPC for KZT 434.6 million.
In connection with the priority of developing the agricultural processing industry in the region, the credit resources of the Kyzylorda regional investment center were directed to opening new production facilities.
In order to develop agricultural processing in the region, the credit resources of the Kyzylorda regional investment center were directed to opening new production facilities. For this RIC, KZT 1.5 billion was allocated, within the framework of which 53 new productions were supported. In addition, through the "Government for Business", 16.6 thousand services were provided to entrepreneurs of the region on the principle of "one window" in the areas of land management, architectural and urban planning, registration of documents of technical conditions, consulting and support within the framework of state programs.

 

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As a result of government support measures, the number of registered SMEs as of July 1, 2024 was 68,068 units, and the number of operating entities was 64,478 units.
As of April 1, 2024, the number of people employed in SMEs reached 114,530 people.
In January-March 2024, SMEs produced goods worth KZT 204.2 billion, the physical volume index was 155.4%.
In 2024, KZT 34.5 billion were received from various sources for financial support of entrepreneurship (2020 – KZT 10 billion, 2021 – KZT 12 billion, 2022 – KZT 20 billion, 2023 - KZT 68 billion).
In particular, within the framework of the state program "State financial support for economic sectors operating as private entrepreneurs subject to state support", 494 projects have been subsidized since the beginning of the year, the total loan portfolio of which amounted to KZT 16.0 billion, 339 projects have been guaranteed, the loan portfolio of which is KZT 7.1 billion.
The regional investment center "Kyzylorda", which provides loans to rural entrepreneurs in the region, financed 79 projects in the amount of KZT 398.5 million.
In addition, loans were issued for 299 projects through the Agrarian Credit Corporation in the amount of KZT 7.1 billion.

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Information on entrepreneurship development in the region

As a result of government support measures, as of September 1, 2023, the number of registered SMEs increased by 119.7% and amounted to 75,924 units, the number of operating entities increased by 122.4% and amounted to 71,256 units.
As of April 1, 2023, the number of people employed in SMEs increased by 17.2% and reached 122,337 people.
In January-March 2023, SMEs produced products amounting to KZT 120.9 billion, the physical volume index was 112.4%.
In 2023, 24 billion tenge were received from various sources for financial support of entrepreneurship (2020 – KZT 10 billion, 2021 – KZT 12 billion, 2022 – KZT 20 billion).
In particular, within the framework of the National Project for Entrepreneurship Development, since the beginning of the year, 604 projects amounting to KZT 19.9 billion have been subsidized and the loan portfolio has guaranteed 476 projects amounting to KZT 11.1 billion.
To provide state grants (400 MCI) within the framework of the national project for entrepreneurship development, 722 projects were financed for KZT 996.3 million (according to the plan, funds are provided for 1,526 projects by the end of the year).
The regional investment center "Kyzylorda", which provides lending to rural entrepreneurs in the region, financed 351 projects for KZT 2.6 billion.
In addition, the Agrarian Credit Corporation financed 419 projects amounting to KZT 8.2 billion.
In addition, since this year, 257 projects worth 1.1 billion tenge have been financed through the Agrarian Credit Corporation for youth entrepreneurship and the rural population at 2.5% per annum.
In order to increase the incomes of the rural population, within the framework of the “Auyl-Amanaty” program in the region, the joint stock company “Social Entrepreneurial Corporation” Baikonur”, which provides microloans in a simplified manner at 2.5% per annum, financed 30 projects for KZT 199.3 million.
As a result of supporting entrepreneurship, by 2025 it is planned to increase the share of small and medium-sized businesses in the gross regional product to 25%.

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Information on the development of small and medium-sized businesses
in Kyzylorda region

Statistical data
As of October 1, 2021, the number of registered SMEs amounted to 56,867 units, of which the number of operating SMEs was 50,596 units. In general, the share of operating out of registered SMEs in the region amounted to 88.9%.
At the end of the first half of 2021, 100,948 people were employed in SMEs, while the growth compared to the corresponding period last year was 109.2%. At the same time, in January-June 2021, SMEs produced goods for 173.2 billion. tenge.
Measures of financial support for small and medium-sized businesses:
To continue microcrediting within the framework of the state program "Development of productive employment and mass entrepreneurship in
2017-2021 "Enbek" for 2021 was allocated 3,760.0 million tenge. Of them:
1) for rural areas - 2 731.5 million tenge;
2) for Kyzylorda city - 1028.5 million tenge.
Of the funds allocated for microcrediting, 2,028.5 million tenge were placed in the “Fund for Financial Support of Agriculture” JSC, and 1,231.5 million tenge in the “Agrarian Credit Corporation” JSC. To date, 450 projects have received microloans in the amount of 1.9 billion tenge.
In 2021, 3883.0 million rubles were allocated to support private entrepreneurship within the framework of the state program "Business Road Map 2025". tenge. Including:
- for subsidies - 2372.8 mln. tenge;
- for partial guarantee - 1260.2 mln. tenge;
- for grant financing - 250.0 mln. tenge.
At the beginning of the year, 1,360 SME projects were subsidized in the amount of 20.8 billion tenge. Also, 813 projects were guaranteed for a total amount of 5.1 billion tenge.
State grants under the Program were presented to 68 projects.
Within the framework of the "Economy of Simple Things" program, 14 projects were financed for the amount of 1.7 billion tenge.
In addition, at the beginning of the year this year. in the region, the regional investment center "Kyzylorda" financed 165 projects in the amount of 1149.0 million tenge.
Progress in the implementation of the regional economic development plan until 2023
Analyzing the economic situation in the region in 2020, the "Map of the economic development of the region until 2023" was adopted, within which 265 projects were proposed to business for a total of 271 billion tenge.
Of these, at the end of 2020, 89 projects were implemented for a total amount of 7 billion tenge, as a result, 1,047 jobs were created. 60% of the implemented projects are in the agricultural sector, which is a traditionally developing industry in the region.
In 2021, this Map was updated and the list of projects was brought to
400. This year, work is underway to implement 96 projects for a total amount of more than
13 billion tenge. Of these, currently 74 projects have been implemented for the amount of 2.3 billion tenge.

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On the development of small and medium-sized businesses in Kyzylorda region (for 2020)

Statistical data
According to statistical data, as of January 1, 2021, 54,700 business entities are registered in SMEs, including the number of operating SMEs is 48 657 units. In general, in the region, the share of operating among registered SMEs was 89%.
For 9 months of 2020, 95,929 people were employed in SMEs in the region, with an increase of 104% compared to the corresponding period last year. At the same time, according to the results of the third quarter of 2020, the SME region produced products worth 252.830 billion. tenge.
Financial support measures for small and medium-sized businesses:
To continue micro crediting within the framework of the state program "Development of productive employment and mass entrepreneurship for 2017-2021 "Enbek" for 2020, 3 billion 381 million rubles were allocated. tenge. Of them:
1) in the countryside 3 103.0 mln. tenge;
2) in the city of Kyzylorda - 278.0 million tenge.

№	District/city	«Enbek»
		Number of projects	Number of projects
1	Aral district	88	88
2	Kazaly district	113	113
3	Karmakshy district	73	73
4	Zhalagash district	99	99
5	Syrdarya district	121	121
6	Shieli district	88	88
7	Zhanakorgan district	111	111
8	Kyzylorda city	132	132
	TOTAL	825	825

To support sustainable business within the framework of the state program "Business Roadmap 2025"
2 billion 056 million tenge. Including:
- for subsidies - 1,339.4 million tenge;
- for partial guarantee - 535.264 million tenge;
- for the provision of grants - 181.5 million tenge.
In 2020, under the instrument of subsidizing the interest rate on loans, 239 projects with a total amount of 9billion tenge.
658 projects for a total amount of 4.8 billion tenge were approved for the guaranteeing instrument.

No.	District/city	«BRM-2025»
		Projects for which a subsidy agreement has been concluded		Partially guaranteed projects
		Number of projects	Sum of projects	Number of projects	Sum of projects
1	Aral district	9	209,50	25	192,59
2	Kazaly district	23	637,71	95	441,47
3	Karmakshy district	12	192,73	96	328,44
4	Zhalagash district	14	1 096,19	11	259,21
5	Syrdarya district	7	93,49	20	100,37
6	Shieli district	6	72,70	21	82,86
7	Zhanakorgan district	7	198,50	11	129,03
8	Kyzylorda city	161	6 536,22	379	3 266,60
	TOTAL	239	9 037,1	658	4 800,6

Also, within the framework of the state program, 181.5 million tenge were allocated for the implementation of new business ideas of 78 small and young entrepreneurs.

№	District/city	«BRM -2025»
		Number of projects	Sum of projects
1	Aral district	2	4 000 000,00
2	Kazaly district	10	21 500 000,00
3	Karmakshy district	9	22 000 000,00
4	Zhalagash distirct	7	14 000 000,00
5	Syrdarya district	11	24 000 000,00
6	Shieli district	4	10 000 000,00
7	Zhanakorgan district	5	10 000 000,00
8	Kyzylorda city	30	76 000 000,00
	TOTAL	78	181 500 000,00

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On the development of small and medium-sized businesses
in Kyzylorda region (for the second quarter of 2020)

According to statistical data, for the II quarter of 2020, the number of registered small and medium-sized businesses amounted to 52 365 units. The number of operating small and medium-sized businesses as of July 1, 2020, amounted to 46,943 units. In general, the share of operating small and medium-sized businesses in the region was 89.6%. According to the results of the first quarter of 2020, in the field of small and medium-sized businesses in the region, the number of employed people amounted to 90,257 people, an increase in comparison with the corresponding period of last year amounted to 100.2%. At the same time, according to the results of the first quarter of 2020, small and medium-sized businesses in the region produced goods for KZT 69.733 billion, an increase in comparison with the corresponding period of last year amounted to 98.2%.
Measures of financial / non-financial support for small and medium-sized enterprises:
1. Non-financial support.
Since the beginning of 2020, the total number of people trained under the Business Advisor project in the region has made 112 people. Of these, women - 55, men - 57, youth - 28 people.
2.For financial support:
To continue micro crediting within the framework of the state program "Development of productive employment and mass entrepreneurship for 2017-2021 "Enbek", KZT 3 billion 353 million were allocated for 2020. Of these:
1) in the countryside KZT 3 103.0 million;
Distribution of funds: ACC - KZT 1 241.350 million; KZT FFSA - 1 862.025 million.
2) in the city - KZT 250.0 million. At the moment, the funds provided have been transferred to the "Fund for Financial Support of Agriculture" JSC.
Also, KZT 190.506 million was allocated to guarantee microcredits in the countryside, KZT 37.80 million in the city (of which KZT 1.98 million was transferred to the "Damu" fund).
Within the framework of the state program "Business Road Map 2025", KZT 3 billion 423 million was allocated to support sustainable business. Including:
- for subsidies - KZT 2 856.0 million;
- for a partial guarantee - KZT 535.264 million;
- for the provision of grants - KZT 31.5 million.
Since the beginning of the year, to provide subsidies under the State Program, second-tier banks have financed 58 projects worth KZT 1.9 billion.
At the same time, guarantee agreements were concluded for 43 projects worth KZT 680.5 million.
The competitive selection of irrevocable grants provided for the implementation of new business ideas was postponed due to emergencies in the country.

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Information on the development of small and medium-sized enterprises in Kyzylorda region
(for 2019)

According to statistics, if as of January 1, 2019, the number of registered small and medium-sized businesses is 51 078 units, then as of January 1, 2020, their number has been increased by 1 349 units and amounted to 52 427 units.
If the number of operating small and medium-sized businesses as of January 1, 2019, was 42 342 units, then as of January 1, 2020, their number was increased by 3 955 units (6.81%) and amounted to 46 297 units.
In the region as a whole, the share of operating small and medium-sized businesses from registered is 89.04%
In the first half of 2019, 91 443 people have been employed in the region in small and medium-sized businesses, the growth compared to the corresponding period of the previous year was 105.3%.
At the same time, in the first half of the year small and medium-sized businesses produced KZT 163 billion of products, the growth compared to the corresponding period of the previous year amounted to 8.8% (for the first half of 2018 - KZT 150.3 billion (actual information) )
In the first half of 2019, the share of small and medium-sized enterprises in the gross regional product amounted to 14.9%. Including the share of medium-sized enterprises amounted to 4.4%.
Measures of financial / non-financial support for small and medium-sized enterprises:
1. Non-financial support
Since the beginning of the year, 6,052 unemployed, self-employed citizens have been trained in the basics of entrepreneurship under state programs. Including:
- According to the project “Business Advisor” - 1 812 people.
- According to the Bastau-Business project, 3 140 people.
- According to the project “Young Entrepreneur” - 1100 people.
To provide microloans for projects of unemployed and self-employed citizens, business entities, 5,841.831 million tenge were allocated. Of them:
For microcredit within the framework of the State program for the development of productive employment and mass entrepreneurship, KZT 4,990.631 million were provided. To date, 1238 projects have been financed under the funds provided for a total of KZT 4,690.39 million.
In particular, in Kyzylorda city microloans were provided for 34 projects for a total amount of KZT 299.490 million.
In Kyzylorda, the regional investment center was allocated KZT 850.0 million from the regional budget in 2019. Under the allocated funds, 198 projects were funded of KZT 850.0 million.
Within the framework of the state program “Business Roadmap 2020”, 1 billion 150 million tenge were allocated to support sustainable business (KZT 950.6 million for subsidies; KZT 169 million for partial guarantees; KZT 31 million for grants).
Since the beginning of the year, second-tier banks have signed 139 projects worth 3.6 billion tenge to provide subsidies under the state program “Business Road Map 2020”.
At the same time, guarantee contracts were concluded on 103 projects for KZT 1,171.089 million.
State grant funds were provided for 84 projects of small entrepreneurs in the region.
As part of the Economics of Simple Things program, banks financed 27 projects totaling KZT 1.76 billion.