Small business lending in Kazakhstan (предоставление кредитов малому бизнесу в Казахстане)
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From the conducted research we can conclude, that enterprises meet with a
very many problems, when they are trying to receive a credit. Our lending
system needs to be improved. First of all, banks should be more indulgent
to small enterprises, which are not able to meet some requirements of the
banks, especially about pledge.
Secondly, there should be more programs on supporting small business, like
decreasing interest rates, give credits for a more long periods of time, etc.
Thirdly, banks should stop working only with “big people” with “big money”, but also help small enterprises to enter into market and freely
functionate.
There some measures, which were applied in order to improve our lending
system, and they are works, but there should be more support to small
business, because it is so weak in Kazakhstan. Some enterprises, which are
pretty big, rather than others, are gain on these programs, but there
should be some support to the beginners.
Bibliography.
1. Blinov A. (1993) Razvitiye predprinimatelstva Economist No.6:70-73
2. Dauanov I. (2000) Maliy biznes: problemi oformleniya kredita AlPari 5:
81,82
3. Ershova G. (1995) Podderzka malogo predprinimatelstva Finansi No.2:17-
18
4. Finansirovanie I kreditovaniye subyektov malogo biznesa, 2001 http://business.zakon.kz/fincredit/
5. Isabekov A. (1997) Problemi razvitiya malogo I srednego biznesa v
Kazakhstane Economika Kazakhstana No.5-6:120-123
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Kazahstanskoi oblasti Economika Kazakhstana No.4:13-15
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Kazakhstana No.11:74-75
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10. Kreditovaniye, 2001 http://www.kkb.kz/banking_re/sber/service/06_credit.asp
11. Law of Republic of Kazakhstan from 19 July 1997 N 131-1 O gosudarstvennoi poddershke malogo predprinimatelstva(with amendments to this law in 10.07.98 № 283-1; in 26.07.99 № 458-1; in 29.11.99
№ 488-1)
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84
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14. Mukhamedghanov G. (1997) Sistema gosudarstvennoy podderzke malogo I srednego predprinimatelstva v promishlenno razvitih stranah Economika
Kazakhstana No.9-10:116-121
15. Osnovniye prinzipi kreditovaniya MP, 2001 http://www.tacisinfo.ru/brochure/banksme/pzayav_m.htm
16. Sahauyeva Zhanar, 2001, interview
17. Tukayev A. (1998) Analys raxvitiya malogo biznesa v Kazakhstane Al
Pari No.2:69-74
18. Turgulova A. (1999) Gde brat dengi na maliy busines? Finansi
Kazakhstana No.8-9:115-118
19. Umbetov A. (1999) The role of banks in small business credit Al Pari
No.2:29-33
20. Vilenskiy A. (1999) Finansovaya podderzka malogo predprinimatelstva
Economist No.9:88-90
21. Yevropeyskiy bank rekonstrukzii I razvitiya, 2001 http://www.fund.kz/ebrr_c.html
Appendixes.
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