Lending

The number of registered small and medium-sized enterprises (as of September 1, 2026) stands at 61,037 (of which 59,195, or 97%, are active).
As of April 1, 2026, the small and medium-sized enterprise sector employed 102,460 people.
In January–March 2026, small and medium-sized enterprises produced goods and services valued at 269.8 billion tenge.
The share of small and medium-sized enterprises in the gross regional product was 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 interest rates on loans and providing guarantees for small and medium-sized enterprises;
- 73.8 million tenge was allocated for non-repayable grants to social enterprises and winners of the "One Village – One Product" project;
- 1.5 billion tenge was directed toward micro-lending for small and medium-sized businesses through the "Kyzylorda" Regional Investment Center;
- 13.6 billion tenge is being directed toward lending to individual entrepreneurs under other state programs (such as "Auyl Amanaty" and the North Kazakhstan Region initiative).
During the first eight months of 2026, 1,006 private entrepreneurship projects were financed, totaling 33.9 billion tenge.

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The number of registered small and medium-sized businesses (as of May 1, 2026) was 61,754 (of which 59,500, or 96.3%, were active).
At the end of 2025, 113,100 people were employed in small and medium-sized businesses.
In 2025, small and medium-sized businesses produced goods worth 1 trillion 576 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: 114.55 billion tenge).
In 2026, 22 billion tenge was allocated from various sources for financial support for entrepreneurship. In particular:
7.1 billion tenge has been allocated from the budget to subsidize interest rates on loans and provide guarantees for small and medium-sized businesses;
73.8 million tenge has been allocated to provide non-repayable grants to social entrepreneurship entities and winners of the "One Village – One Product" project;
1.3 billion tenge has been allocated for microfinancing for small and medium-sized businesses through the Kyzylorda Regional Investment Center;
13.5 billion tenge is being allocated for lending to individual entrepreneurs under other state programs ("Auyl Amanaty," North Kazakhstan region experience).
Over the first four months of 2026, 236 small and medium-sized business projects were financed from all sources, totaling 8.2 billion tenge.
Including 13 projects financed under the "Orleu" program, totaling 1.1 billion tenge. Five projects totaling 67.1 million tenge were financed through the Kyzylorda Regional Investment Center.
90 projects totaling 5.9 billion tenge were financed through the Agrarian Credit Corporation.
As part of the "Auyl Amanaty" project, 128 entrepreneurial initiatives totaling 1.1 billion tenge (2025 funds) were financed through the Baikonur SPK.

In accordance with Order No. 93 of the Ministry of National Economy of the Republic of Kazakhstan dated April 2, 2026, 62 social entrepreneurs are currently registered in the region.

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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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As of January 1, 2025, the number of registered small and medium-sized businesses was 68,336 units, and the number of operating entities was 65,258 units.
As of July 1, 2024, the number of people employed in SMEs was 116,832 people.
The volume of SME output for January-June 2024 was 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, comprehensive support measures have been formed in the region.
As of the end of 2024, more than 4.3 thousand private entrepreneurship projects were financed in the amount of KZT 78.6 billion.
Of these, 1,247 SME projects were subsidized for a loan portfolio of KZT 38.5 billion, and 648 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 preferential 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 129 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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This year, 3761 private entrepreneurship projects have been financed from all sources in the amount of 63 billion 523 million.
In particular, 852 projects have been subsidized for the amount of the small and medium business loan portfolio of KZT 29.5 billion, 582 projects have been guaranteed. KZT 9 billion have been allocated from the budget for the provision of state subsidies and guarantees.
This year, the region has continued to implement the "Auyl Amanaty" program, aimed at increasing the income of the rural population, and preferential lending to large investment projects in the agro-industrial complex. Within the framework of the "Auyl Amanaty" program, 149 projects have been credited through the SPC "Baikonur" in the amount of KZT 993 million.
Through the regional investment center "Kyzylorda", financial support was provided to 122 small and medium business projects in the amount of KZT 1.3 billion.
In the agro-industrial complex, 481 projects were financed through the Agrarian Credit Corporation in the amount of KZT 13.6 billion.

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In 2024, KZT 34.5 billion were received from various sources for financial support of entrepreneurship (in 2020 – KZT 10 billion, in 2021 – KZT 12 billion, in 2022 – KZT 20 billion, in 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 7.3 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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In 2023, KZT 31 billion were received from various sources for financial support of entrepreneurship (in 2020 – KZT 10 billion, in 2021 – KZT 12 billion, in 2022 – KZT 20 billion, in 2023 – KZT 68 billion).
Particularly, within the framework of the state program “State financial support for sectors of the economy operating as private businesses subject to state support”, since the beginning of the year, 126 projects have been subsidized, the total loan portfolio of which amounted to KZT 6.4 billion, 26 projects have been guaranteed, the loan portfolio of which is KZT 1.1 billion.
The regional investment center "Kyzylorda", which provides lending to rural entrepreneurs in the region, financed 64 projects in the amount of KZT 319.2 million.
In addition, loans were issued for 104 projects through the Agricultural Credit Corporation in the amount of KZT 3.1 billion.

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In 2022, KZT 20 billion were provided for financial support for entrepreneurship from various sources (in 2020 – KZT 10 billion, in 2021 – KZT 12 billion). In particular, within the framework of the “National Project for Entrepreneurship Development” KZT9.5 billion were allocated. as a result, 176 projects were financed in the amount of KZT 1.1 billion.

Currently, 645 projects costing KZT 10.1 billion have been financed through the Agrarian Credit Corporation. 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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Microcredits
To continue microcrediting within the framework of the state program "Development of productive employment and mass entrepreneurship for 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 the city of Kyzylorda - 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.

Concerning the MFO RIC "Kyzylorda"
In 2021, 700 million tenge was allocated from the regional budget to the MFO “Regional Investment Center“ Kyzylorda ”, 500 million tenge was accumulated from the returned funds.
To date, by the decision of the Supervisory Board, 165 projects of entrepreneurs of rural settlements in the amount of 1149.0 million tenge have been financed through MFOs.

Lending under the "Business Road Map-2025" program
In 2021, 3883.0 million tenge were allocated to support private entrepreneurship within the framework of the state program "Business Road Map 2025". Including:
- for subsidies - 2372.8 million tenge;
- for partial guaranteeing - 1260.2 million tenge;
- for grant financing - 250.0 million tenge.
Since the beginning of the year, 1360 SME projects have been subsidized for 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.

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Microcredits
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 tenge were allocated. Of them:
1) for rural areas - 3 103.0 million tenge; (Distribution of funds: ACC - 1 241.350 million tenge; FFSA - 1 862.025 million tenge).
2) for Kyzylorda city - 278.0 million tenge. The allocated funds in July 2020 were placed in the Fund for Financial Support of Agriculture JSC.
At the expense of the allocated funds, 27 entrepreneurship projects were financed. The allocated funds have been fully utilized.

No.	District/city	Microcredits
		Amount, million tenge	Quantity, units	JSC "Fund for Financial Support of Agriculture"		JSC "Agrarian Credit Corporation "
						Microfinance organizations		Credit partnerships
				Amount, million tenge	Quantity, units	Amount, million tenge	Quantity, units	Amount, million tenge	Quantity, units
Kyzylorda region		3381,88	825	1 862,02	550	280,00	96	961,35	152
1	Aral district	350,59	88	177,55	57	175,00	6	155,54	25
2	Kazaly district	347,45	113	247,60	79	545,00	24	45,35	10
3	Karmakshy district	219,23	73	177,53	58	232,00	9	18,50	6
4	Zhalgash district	404,29	99	171,40	60	250,00	7	207,89	32
5	Syrdarya district	473,89	121	204,80	67	666,00	21	202,49	33
6	Shieli district	413,09	88	216,60	59	250,00	7	171,49	22
7	Zhanakorgan district	492,15	111	393,85	95	185,00	7	79,80	9
8	Kyzylorda city	681,20	132	272,70	75	497,00	15	80,30	15

Concerning the MFO RIC "Kyzylorda"
With the direct support of the regional akim, the activities of the regional investment center "Kyzylorda" were extended for 5 years.
At the same time, the Center attracted 1 billion tenge from the Damu Fund,
200 million tenge from the "Agrarian Credit Corporation" and 488 million tenge from the regional budget to replenish the working capital of pharmacies.
The center has credited 251 projects of small entrepreneurs in the amount of 1.39 billion tenge.

№	District/city	Returnable funds		Regional budget		«Damu» fund		ACC		Total
		Qty. units	Amount, million . тенге	Qty. units	Amount, million тенге	Qty. units	Amount, million тенге	Qty. units	Amount, million тенге	Qty. units	Amount, million тенге
1	Aral district			3	22,0	6	38,0	15	48,5	24	108,5
2	Kazaly district	23	40,5			6	43,8	33	76,3	62	160,0
3	Karmakshy district	2	2,2			4	52,0	17	49,4	23	103,6
4	Zhalagash district					4	44,5	17	60,0	21	104,5
5	Syrdarya district					5	58,0	18	51,6	23	109,6
6	Shieli district			2	9,2	6	43,0	16	54,0	24	106,2
7	Zhanakorgan district			1	2,0	7	66,0	16	53,5	24	121,5
8	Kyzylorda city	7	107,9	5	121,0	25	296,0	17	56,7	50	581,6
Total:		32	150,6	11	154,2	63	641,3	149	450,0	251	1396,1

Lending under the "Business Road Map-2025" program
In 2020, within the framework of the state program "Business Road Map 2025", 2 billion 056 million tenge were allocated to support sustainable business. Including:
- for subsidies - 535.264 million tenge;
- for partial guaranteeing - 181.5 million tenge;
- for the provision of grants - 181.5 million tenge.
In 2020, 239 projects in the amount of 9.0 billion tenge were financed using the instrument to subsidize the interest rate on loans.
Under the guarantee instrument, 658 projects were funded in the amount of 4.8 billion. tenge.
Within the framework of the state program "Business Road Map 2025", 181.5 million tenge were allocated for the implementation of new business ideas of 78 small and young entrepreneurs.

№	Район/город	State program "Business Roadmap 2025"
		Interest rate subsidies		Partial guarantee
		Quantity,   units	Amount, million tenge	Quantity,   units	Amount, million tenge
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