Funds from the loan are aimed to directly support micro, small and medium-sized companies, sole proprietors, and artisans.
For working capital to support companies affected by the energy and economic crisis.
Collected funds from the credit lines "Covid 1" and "Covid 3" in the amount of MKD 310,000,000
Micro, small and medium-sized enterprises (according to the Current Situation), sole proprietors, and artisans (who pay taxes on real income) active in a class of activities from the List of acceptable classes of activities for financing (the activity is determined according to the priority activity stated in the Current Financial Status) and which are registered in the Republic of North Macedonia.
Single loan amount for the final borrower: |
Minimum amount of: MKD 185.000
Маximum amount of: MKD 3.000.000 |
Repayment period: |
|
Currency: |
MKD Denars |
Interest rate for the borrowers: |
0% |
Management fee: |
DBNM will not charge a fee for processing credit applications. |
Manner of repayment: |
Quarterly repayment |
Security |
The approved loan is paid directly to the borrower according to the instructions specified in the Loan Application. |
Grant component: |
For each borrower, a grant component is provided, which consists in the release of part of the debt on the basis of the principal, provided that there is no delay in servicing the loan for more than 60 days and for amounts greater than MKD 10,000, namely:
Premature repayment of the loan by the borrower excludes the right to a grant in its entirety. The discharge of the debt will be carried out from the last installments of the loan. |
Micro, small and medium-sized enetrprises (according to the Current Financial Status), sole proprietors, and artisans who pay tax on real income that are registered in the Republic of North Macedonia in accordance with the positive regulations and have at least 51% of the basic capital in the private ownership of legal and natural persons, according to the List of acceptable classes of activities for financing (the activity is determined according to the priority activity specified in the Current Status).
The borrower can check their size classification by viewing their Current Financial Status.
Code
|
Name
|
01.11
|
Cultivation of cereals (except rice), legumes, and oilseeds
|
01.12
|
Cultivation of rice
|
01.13
|
Cultivation of vegetables, quinces and watermelons, root and turnip vegetables
|
01.14
|
Cultivation of sugar cane
|
01.21
|
Cultivation of grapes
|
01.24
|
Cultivation of apple and stone fruit
|
01.30
|
Cultivation of planting material
|
01.41
|
Breeding of cows
|
01.42
|
Breading of other cattle and domestic buffaloes
|
01.45
|
Breeding of sheep and goats
|
01.46
|
Breeding of pigs
|
01.47
|
Poultry farming
|
10.11
|
Meat processing and preservation
|
10.12
|
Processing and canning of poultry meat
|
10.13
|
Production of animal and poultry meat
|
10.31
|
Processing and canning of potatoes
|
10.32
|
Production of fruit and vegetable juices
|
10.39
|
Other processing and canning of fruits and vegetables
|
10.41
|
Production of oils and fats
|
10.42
|
Production of margarine and similar edible fats
|
10.51
|
Milk processing and cheese production
|
10.52
|
Ice cream production
|
10.61
|
Production of mill products
|
10.62
|
Production of starch and starch products
|
10.71
|
Production of fresh bread, sweets (cakes, cookies) and biscuits (cupcakes)
|
10.72
|
Production of biscuits, production of canned sweets and pastries
|
10.73
|
Production of macaroni, gnocchi, couscous and similar pasta
|
10.81
|
Sugar production
|
10.82
|
Production of cocoa, chocolates and confectionery products
|
11.02
|
Grape wine production
|
The loan application along with the complete documentation is submitted exclusively electronically, to the following e-mail address:eekriza@mbdp.com.mk.
Submitted loan applications are distributed automatically, which is why it is necessary to observe the following rules when applying:
The loan application is a mandatory document and other submitted documentation will not be considered until the Loan Application is submitted. The loan application must be completely filled out.
It is recommended that the loan request and accompanying documents, whose forms are prescribed by the bank, be filled out electronically, on a computer, or, if this is not possible, be filled out legibly in printed letters.
Loan applications can be signed manually or with a digital certificate.
The borrower can submit only one loan request.
For the credit line, a Public Call no. 1 was published on 05.05.2022.
Loan applications upon the public call are submitted for 15 days, starting on May 11, 2022, at 09:00 and ending on May 26, 2022, at 09:00.
The processing of received loan applications will begin after the closing of the public call.
The documents submitted to the public call are non-returnable.
Inadequate loan applications of unqualified borrowers will not be considered.
Incomplete loan applications will not be considered until completed.
Documents received without a Loan Application (form on the bank's website) will not be processed until the Loan Application is submitted.
The bank does not bear any costs incurred with the preparation, compilation, and delivery of loan requests, so the participant of the public call has no right to compensation for any costs based on participation in this public call.
The bank will notify loan applicants who have been approved for a loan based on a submitted loan application, at the email address specified in the subject's current status.
The bank will notify the applicants whose loan applications have been rejected, with the reason for rejection, at the electronic address specified in the current status of the subject.
The bank will not notify individual borrowers whose loan applications have been received after the funds have been exhausted.
The Bank will announce on its website the exhaustion of funds.
Tel. 02/3115-844, 02/3114-840 ext. 121, 124, 127.
e-mail: kreditiranje@mbdp.com.mk